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» 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).

» 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.

» 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)

» 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)