Protection - PLK + Prime Care + EUMR + UPCR

PowerLink (PLK)

• Regular premium investment-linked product.
• Provide protection against death till age of 100, TPD till age 65.
• Matures age of 100.

PLK - Death Benefit

• Provide death coverage up to age 100 years old.
• Basic Insured Amount + 100% of Amount Value is payable.
• Subject to LIEN rule.

Age of Life Assured at Death                                % of Basic Insured Amount Payable

15 Days - 24 months                                                           20%

13 - 24 months                                                                    40%

25 - 36 months                                                                     60%

37 - 48 months                                                                     80%

49 month and above                                                            100%

PLK - TPD Benefit

• Upon TPD Basic Insured Amount + 100 % of Amount Value payable in one lump sum.
• Subject to LIEN rule.
• Insured Amount up to a maximum of RM 2 million (per life assured)
• If TPD benefit > RM 2 million, the balance of Insured Amount will pay upon death.

PLK - Features

• Premium Flexibility
• Top - up Premium
• Premium Holiday
• Switching
• Insured Amount Flexibility
• Withdrawal
• Inforce Guarantee

PLK - Underwriting

Entry Age

                                                           Min Age                                 Max Age

Life Assured                                   15 days old                             70 years old

Applicant                                        18 years old                            100 years old

Enhance MediCover

(EUMCR)

• Unit Deducting H & R Rider
• Provides a comprehensive hospitalization and surgical related medical coverage.
• No co-insurance / deductible features.
• Renewable up to age 90.
• 9 Plan offering different levels of benefit are available: Plan 150, Plan 200, Plan 300, Plan 350, Plan 400, Plan 500, Plan 1000 and Plan 1500.

EUMCR - Basic Benefits

• A. Hospitalization & Surgical Benefit
• B. Out - Patient Benefit
• C. No Claims Reward

EUMCR - Optional Brenefits

• E1) Female Disease and Maternity Risks
• E2) Hospital Income
• E3) Lump Sum Cancer Benefit Upon Diagnosis
• E4) Lump Sum Kidney Failure Benefit Upon First Diagnosis
• 
  

EUMCR - Table of Benefits

Plan  (RM)                        Overall Lifetime Limit

150                                     850K

200                                      1 mil

250                                      1.25

300                                      1.5 mil

350                                      1.75 mil

400                                      2  mil

500                                      2.5 mil

1000                                    4 mil

1500                                    5 mil

 

EUMCR - Key Benefits

• No Annual Limit
• No Claims Reward
• Room and Board Refund

No Annual Limit

No Claims Reward

Room and Board

EUMCR - Underwriting (Waiting Period)

Enrty Age

Life Assured             Min Age - 15 days old                   Max Age - 70 years old

Expiry Age

Prime Care (UPRC)