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Provider AIG Gibraltar BSN ETIQA ACE JERNEH
Product BSN 1 Medik BSN 1 Dinamik BSN Warga Emas CashBack Guaranteed Takaful Ihsan Pendapatan BSN Snatch & Financial Protection Plan
Eligibility » Insured or his/her spouse must be 18 years and above and below the age of 61 (as at last birthday).

» Insured or his/her spouse:
Age 18 and above and below 76 (as at last birthday).

» For Children under a family plan:
Financially independent children are eligible for coverage from age 6 months and above and up to 18 years, or up to 25 years old (if they are in full time education).

» Insured or his/her spouse/parents must be 18 years and above and below the age of 75 to qualify for cover which is renewable up to 85 years.(as at last birthday). Insured Age at 16 and above and below 55 (as at last birthday)

» Participant / Participant and Spouse / Participant and Children / Family (Participant, Spouse and Children)

» Entry age minimum 18 years – maximum 60 years on the effective date. Renewable up to maximum 70 years subject to acceptable health condition.

» Malaysian Resident and be between the ages of18 and 70 years on the commencement date.

» Duration of cover is for one year and policy is automatically renewed every year.

Coverage Benefits

» Daily Hospital Income (up to maximum 120 days)

» Daily Intensive Care (maximum up to 30 days )

» Pre and Post Hospitalization Treatment with 30 days prior to admission or after discharge from Hospital

 

Home Nursing following discharge from Hospital (maximum up to 30 days)

» Home Nursing following discharge from Hospital (maximum up to 30 days)

» Add on Benefit:  Surgical Operation Charges (subject to Surgical Schedule)

» Add on Benefit:   Additional Major Surgery (subject to Surgical Schedule)

 

» Accidental Death and Disablement - 24 hours worldwide coverage.

» Additional Lump Sum due to Permanent Total Disablement.

» Daily Hospital Income - for hospital confinement (minimum of 6 consecutive hours) up to a maximum of 120 days due to Accident only.

» Family Income Benefit - free for unlimited number of children, (20% of all the above benefits).

» Accidental Death and Permanent Total Disablement

» Casualty Cash Benefit

» Daily Care Cash Benefit (due to Accident)

» Hospital Relief Cash Benefit (up to max – 200 days due to Accident)

» Add on Benefit: Accidental Medical Reimbursement

 

» Death or total permanent disability due to accident and non-accidental causes

» Pay extra benefit if the death is due to accidental causes

» Double the death benefit cover if accident happened while travelling on a Public Transportation

» Upon maturity at the end of the 10th policy year, 50% of the total premium will be refunded, provided the policy is still active.

» 24 Hours worldwide coverage

» Accidental Death - Lump sum payment for death due to bodily injury sustained within 52 weeks from date of Accident.

» Total Permanent Disability - Initial Cash Payment, Monthly Cash Permanent Disability Benefit (for 5 consecutive years) and Final Cash Payment.

» Medical Expenses

» Daily Hospital Cash Allowance

» Compassionate Cash

» Accidental Death & Permanent Disability

» Accidental Daily Hospital Income (payable up to 365 days)

» Accident Medical / Surgical Expense

» Snatch Theft Benefit

» Settlement of Loan / Utilities (due to PTD arising from accident)

» Emergency Hospital Admission due to accident (reimbursement basis)

» Snatch Theft Inconvenience benefit due to accident (lump sum)


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