AIA Twin Pa Brochure
Transcript of AIA Twin Pa Brochure
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Twin PA
PROTECTION
Double the sum assured and double the protection needed as your needs change over time.
Boost yourPA protection
Twin PA 1
Accident protection, worldwide + double protection on serious injuries
Twin PATable of Benefits/Premium
Adult Plan
Juvenile Plan
Benefit
Benefit
Amount of Cover (RM)
Amount of Cover (RM)
Class 3 & 4Class 1 & 2Class 1 & 2 Class 3 & 4
Plan 1
Plan 1A
Plan 2
Plan 2A
Note: • Extrapremiumsmaybeaddedtothestandardpremiumsifthepresentedriskislargerthanthe
standardrisk.• Inadditiontothepremium,astampdutyofRM10ispayabletotheGovernment.Thisstampdutyis
payableeachyearonthepolicyanniversary.• Thepremiumislikelytoremainthesame.However,wereservetherighttochangeitinlinewiththe
applicablepremiumatthetimeofrenewal.•Pleasenotethatwitheffectfrom1April2015,aGoodsandServicesTaxattherateof6%willbe chargeableonthepremiumamountpayable.
100,000 100,000 200,000 200,000
100,000 100,000 200,000 200,000
2,000 2,000 2,000 2,000
50 50 100 100
233.20 377.36 445.20 716.56
118.93 192.45 227.05 365.45
100,000 200,000 100,000 200,000
2,000 2,000 Yes Yes 159.00 288.32 81.09 147.04
AccidentalDeathandDismembermentBenefit
DoubleLivingBenefit
MedicalReimbursementBenefit
WeeklyIndemnityBenefit
Annual Premium (Inclusive of 6% GST)
Semi Annual Premium (Inclusive of 6% GST)
AccidentalDeathandDismembermentBenefit
DoubleLivingBenefit
MedicalReimbursementBenefit
PayorBenefit
Annual Premium (Inclusive of 6% GST)
Semi Annual Premium (Inclusive of 6% GST)
Twin PA2
DEFINITION OF BENEFITS
Definitions
AccidentalDeathandDismembermentBenefit
DoubleLivingBenefit
MedicalReimbursementBenefit(peraccident)
• Ifyou/yourchildhasanaccidentandsufferanyoneofthefollowinglosseswithin365daysofthisaccident:
a) Lossoflife–thetotalamountofcover(asshownintheTableofBenefits)willbepaid.
b) Dismembermentorloss–basedontheseverityofyour/yourchild’sinjuries,youwillreceiveapercentageofthetotalamountofcover(asshownintheTableofBenefits).Foralistoftheinjuriescoveredandthepercentagesthatapply,seethe‘ScheduleofIndemnitiesforAccidentalDeathandDismembermentBenefit’inthisflyer.
c) Permanenttotaldisability–youwillreceivethetotalamountofcover(asshownintheTableofBenefits),if,after12monthsofyour/yourchild’saccident,you/yourchildisstillunabletodoanyofthefollowing:
i) Anyjobthatyouarequalifiedforbyyoureducationoraretrained/experiencedin;or
ii) Performthreeormoreofthefollowing‘ActivitiesofDailyLiving’:
• Gettinginandoutofachairwithoutrequiringphysicalassistance;
• Beingabletomovefromroomtoroomwithoutrequiringanyphysicalassistance;
• Beingabletovoluntarilycontrolbowelandbladderfunctionstomaintainpersonalhygiene;
• Puttingonandtakingoffallnecessaryitemsofclothingwithoutrequiringtheassistanceofanotherperson;
• Beingabletowashinthebathorshower(includinggettinginoroutofthebathorshower),orwashbyanyothermeans;and
• Alltasksofgettingfoodintothebodyonceithasbeenprepared.
Itemc)(i)isnotapplicabletoJuvenilePlan.
• Ifyou/yourchildhasanaccidentandsufferanyoneofthefollowinglosseswithin365daysofthisaccident,youwillreceivethisbenefitinonecashpaymentprovidedAccidentalDeathandDismembermentBenefit(asdescribedonpage1ofthisflyer)ispaidorpayable.
• Permanenttotallossofsightofbotheyesoroneeye • Lossoforthepermanenttotallossofuseoftwolimbsoronelimb • Permanenttotallossofspeechandhearing • Permanentandincurableinsanity • Permanenttotalparalysis • Permanenttotaldisability(asdescribedinItem(c)ofAccidental
DeathandDismembermentBenefit)
• Youwillbereimbursedforthemedicalandsurgicalexpenses,suchasinpatientandoutpatienttreatmentbyaRegisteredMedicalPractitionerorSurgeon,within52weeksofyour/yourchild’s
Benefits
Twin PA 3
DefinitionsBenefits
WeeklyIndemnityBenefit(applicabletoAdultPlanonly)
PayorBenefit(applicabletoJuvenilePlanonly)
accident,uptotheamountshowninTableofBenefitsforeachaccident.
• YouwillberefundeduptoRM500foreachaccidentforanyalternativetreatmentreceivedwithin90daysofyour/yourchild’saccidentsubjecttothebalanceoftheMedicalReimbursementBenefit,providedyou/yourchildhasfirstconsultedaRegisteredMedicalPractitioner.ThesetreatmentsincludeAcupuncture,Bonesetting,ChiropracticTherapy,OsteopathyandPhysiotherapy.
• RegisteredMedicalPractitionerorSurgeonisapersonwhoislegallyauthorisedinthegeographicalareaofhis/hervocationtopracticemedicineandsurgery.He/shemustbequalifiedbydegreeinwesternmedicine,andmustnotberelatedtoyouasyourAIAagent,businesspartner(s),employeroremployee,immediatefamilymemberorpolicyholderforthisplan.
• IfyousustainTemporaryTotalDisabilitywithin90daysofyouraccident,youwillreceivetheamountshownintheTableofBenefitseachweekforamaximumof52weeksforeachaccident.
• TemporaryTotalDisabilitymeansyouare:- a) whollyandcontinuouslydisabledand b) preventedfromdoinganydutypertainingtoyourusual
occupation.• IfyousustainTemporaryPartialDisabilitywithin90daysofyour
accident,youwillreceive25%oftheamountshownintheTableofBenefitseachweekforamaximumof52weeksforeachaccident.
• TemporaryPartialDisabilitymeansyouare:- a) partiallyandcontinuouslydisabledand b) whollyandcontinuouslypreventedfromdoingoneormore
dutiespertainingtoyourusualoccupation.• Thisbenefitwillnotbepaidtoyouifyouareeligibleforthe
AccidentalDeathandDismembermentBenefit(asdescribedonpage2ofthisflyer)and/orDoubleLivingBenefit(asdescribedabove).
• IfweweremadetopaythisBenefitaheadofAccidentalDeathandDismembermentBenefit(asdescribedonpage1ofthisflyer)and/orDoubleLivingBenefit(asdescribedabove),anyamountpreviouslypaidwillbedeductedfromthelargerbenefitpayableduetothesameaccidentundertheAccidentalDeathandDismembermentBenefit(asdescribedonpage2ofthisflyer)and/orDoubleLivingBenefit(asdescribedabove).
• IfyouhaveanaccidentandsufferlossoflifeorpermanenttotaldisabilityasdefinedinItemc)(i)&(ii)underAccidentalDeathandDismembermentBenefitwithin365daysfromtheaccidentdate,weshall,subjecttotermsandprovisionsasstatedinthepolicycontract,waivethepremiumspayableunderthisplan.Thefirstpremiumsowaivedshallbetheonefallingdueimmediatelyafterthedateonwhichsuchaccidentaldeathoccursorcommencementofsuchpermanenttotaldisability.
Twin PA4
DefinitionsBenefits
AnniversaryBonus
ConversionPrivilege(applicabletoJuvenilePlanonly)
• Acceptanceofwaiverofpremiumshallnotaffectotherbenefits,i.e.AccidentalDeathandDismembermentBenefit,DoubleLivingBenefitandMedicalReimbursementBenefit,andthepolicyshallcontinueinforceasifthepremiumwaivedhavebeendulypaid.
• Nochangeintheplanorinthemodeofpremiumpaymentsonthepolicymaybemadeduringthecontinuanceofyourdisability.
• Thisbenefitshallautomaticallybeterminatedinaccordancetothe“TerminationofInsurance”and“Cancellation”Clausesasstatedinthepolicycontract.
• Onthefirstandsecondanniversaryofyour/yourchild’spolicy,you/yourchildwillreceiveaspecial50%AnniversaryBonusontheamountofcoverfortheAccidentalDeathandDismembermentBenefit.
• ThisbonuswillbeaddedtotheamountofcoverfortheAccidentalDeathandDismembermentBenefit,andisapplicableforthefirstandsecondanniversaryduringthelifetimeofyour/yourchild’spolicy.
• Intheeventthatyourchild’spolicyshallendontheearliestofthefollowingdateasaresultofanyofthefollowing:
• thepolicyanniversaryimmediatelyfollowingyourchild’s23rdbirthdayor
• yourchildgetsmarriedor • yourchildbecomesgainfullyemployed, yourchild’scoveragemayatourdiscretionandsubjecttothe
prevailingprocedureandrequirementtheninforce,continuestobeinforcebyconvertingintoTwinPA–AdultPlan,providedthefollowingarereceivedbyuswithin30daysbeforetheterminationdateofthispolicy:-
i) awrittenapplicationforconversionbyyouandyourchild ii) aRequestForChangeFormtochangetheownershipfromyouto
yourchild iii)appropriatepremiums(includepremiumsinarrearsifanyunder
thispolicy)fortheconvertedplan iv)policycontractforTwinPA–JuvenilePlanistobereturnedtous
forendorsement• ThevestedAnniversaryBonus(ifany)onyourchildshallbecarried
forwardtotheconvertedplan.ThePayorBenefit(asdescribedabove)shallbedeleteduponconversion.
• TheConversionPrivilegeshallautomaticallyceaseandbeofnoeffectifnotexercisedinaccordancewiththerequirementmentionedabovewithinthe30daystimeframestatedabove.
Twin PA 5
SCHEDULE OF INDEMNITIES FOR ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITEvents % of Amount of Cover
Lossoflife..................................................................................................................100%Permanenttotallossofsightofbotheyes.........................................................................100%Permanenttotallossofsightofoneeye............................................................................100%Lossof,orthepermanenttotallossoftheuseof,twolimbs..................................................100%Lossof,orthepermanenttotallossoftheuseof,onelimb...................................................100%Permanenttotallossofspeechandhearing......................................................................100%Permanentandincurableinsanity...................................................................................100%Totalparalysis.............................................................................................................100%Permanenttotallossofhearing:bothears.....................................................................................................................75%oneear........................................................................................................................25%Permanenttotallossofspeech.........................................................................................50%Permanenttotallossofthelensofoneeye.........................................................................50%Lossof,orthepermanenttotallossoftheuseof,fourfingersandthumbof:righthand....................................................................................................................70%lefthand......................................................................................................................50%Lossof,orthepermanenttotallossoftheuseof,fourfingersof:righthand....................................................................................................................40%lefthand......................................................................................................................30%Lossof,orthepermanenttotallossofuseof,thumb(s):bothrightdigits............................................................................................................30%onerightdigit...............................................................................................................15%bothleftdigits..............................................................................................................20%oneleftdigit.................................................................................................................10%Lossof,orthepermanenttotallossofuseof,finger(s):threerightdigits...........................................................................................................10%tworightdigits.............................................................................................................7.5%onerightdigit................................................................................................................5%threeleftdigits............................................................................................................7.5%twoleftdigits.................................................................................................................5%oneleftdigit..................................................................................................................2%Lossof,orthepermanenttotallossofuseof,toe(s):all–onefoot.................................................................................................................15%bigtoe–twodigits...........................................................................................................5%bigtoe–onedigit............................................................................................................3%anyothertoe,each..........................................................................................................2%Fracturedlegorpatellawithestablishednon-union(despiteappropriatemedicalintervention)after26weeksofthedateofaccident..................................................10%Shorteningoflegbyatleast5cm.....................................................................................7.5%
• Wehavesolediscretionindeterminingthepercentageofcompensationpayableforanypermanentandtotaldisabilitynotdescribedabove.
• Ifyou/yourspouse/yourchildisleft-handed,thepercentageofbenefitspayableforthevariousdisabilitiesoftherighthandandlefthandwillbeswapped.
• Compensationwillbepaidforonelossonly.Ifthereareseverallossesfromthesameaccident,theamountpaidwillbeforthegreatestofthelosses.Themaximumcompensationpayableis100%ofthetotalamountofcoverundertheAccidentLivingBenefit.
Twin PA6
Eligibility ForJuvenilePlan:Childfromonemonthto15yearsofage,inclusive.Renewableuptotheageof23,providedthechildisunmarriedandunemployed.
ForAdultPlan:Adultfrom16to70yearsofage,inclusive,andofOccupationClass1to4.Forforeigner,he/shemusthasavalidworkpermitandofoccupationclass1and2.Renewableuptotheageof75.
Abriefdescriptionoftheoccupationclassisasfollows:Class1– Whitecollarworkersinnon-hazardousindustryandconfinedwithintheofficepremises.Class2– Workersoverseeingorsuperintending,engineer,supervisorofnon-manualworkwithsemi-
hazardousindustry.Class3– Skilledorsemi-skilledworkersusinglightmachinery.Class4– Industrialworkersusingmachineryorunskilledworkers.Classificationsarebasedonthejobdutiesperformedbyyou.Youractualoccupationclasswillbedeterminedbyus.
Change of OccupationYoumustnotifyusinwritingifyouchangeyouroccupation.Wewillthenlookatyournewoccupationtodetermine,forinsurancepurposes,whetheritisstillwithintheinsurableoccupationclassesforthisplan.
CoverYour/Yourchild’scoverstartsfromthedateonwhichyourcompletedandsignedapplicationformisapprovedbyusandwhenwehavereceivedtheappropriatepremium.
Your/Yourchild’scoverissubjecttothetermsandconditionsstatedinthepolicycontractandisrenewableonceayearontheanniversaryofyour/yourchild’spolicy.Foracopyofthepolicycontract,pleasetalktoyourAIAagent,calltheAIACareLineat1300881899orvisitanyAIAbranch.YouwillfindalistofAIAbranchesinMalaysiabygoingtowww.aia.com.my
ForAdultPlan:Yourcovershallautomaticallyendontheearliestofthefollowingdates:• theendofthe31-daygraceperiodforanyunpaidpremium;• thepolicyanniversaryimmediatelyfollowingyour75thbirthday;• thetotalamountcoveredbyAccidentalDeathandDismembermentBenefitorPermanentTotalDisabilityBenefitand/or
DoubleLivingBenefithaseitherbeenpaidorispayablebyustoyou;• uponyourdeath;or• thecancellationofthepolicyonyourorourrequest.
ForJuvenilePlan:Yourchild’scovershallautomaticallyendontheearliestofthefollowingdates:• theendofthe31-daygraceperiodforanyunpaidpremium;• thepolicyanniversaryimmediatelyfollowingyourchild’s23rdbirthday;• uponyourchildgetsmarriedorbecomesgainfullyemployed;• thetotalamountcoveredbyAccidentalDeathandDismembermentBenefitorPermanentTotalDisabilityBenefitand/orDoubleLivingBenefithaseitherbeenpaidorispayablebyustoyou;
• uponyourchild’sdeath;or• thecancellationofthepolicyonyourorourrequest.
Exclusions TherearetwocategoriesthatarenotcoveredbyTwinPA:- Pre-existingconditions,whichmeansanyillnessorconditionthatoccurredbeforethedateyour/your
Twin PA 7
child’spolicybeganorthedateyour/yourchild’spolicywaslaststartedagain(ifyour/yourchild’scoverhasbeenstoppedinthepast).Forthispurpose,anillnessorconditionhasoccurredwhen:
• ithasbeenmedicallyinvestigated,diagnosedortreated; • itssymptomsareclearanddistinct;or • itssymptomswouldcauseanordinarypersontoseekdiagnosis,careortreatment.
- Generalexclusionssuchas: • bacterialinfections; • medicalorsurgicaltreatment(exceptthosenecessitatedbyinjuriescoveredbythisplan); • injuryresultinginhernia; • mentalornervousdisorders;useofdrugs/narcoticsofanykind; • AIDS; • aneventresultingfromwar,invasion,orcivilwar; • aerialactivitiesorflyingasapilotorcrewmemberinanyaircraftexceptaspassengerina
commercialairline; • suicideorintentionalself-injury; • professionalsports; • anykindofdiseaseorsicknessorcongenitaldefects; • childbirth,pregnancyormiscarriage; • drivingorridinginanykindofmotorrace; • dentaltreatmentnotnecessitatedbyInjurycoveredunderthisplan;and • activedutyinthearmedforce.Forallstandardexclusions,pleaserefertothepolicycontract.Fora
samplecopyofthepolicycontract,pleasetalktoyourAIAagent,calltheAIACareLineat1300881899orvisitanyAIAbranch.YouwillfindalistofAIAbranchesinMalaysiabygoingtowww.aia.com.my
Waiting Period You/Yourchildwillhavetowait12monthsfromthedateofyour/yourchild’saccidentforanypaymentdueunderthe:• AccidentalDeathandDismembermentBenefit(exceptforaccidentaldeath,lossofone/twolimb(s),shorteningoflegorfracturedlegasdescribedintheScheduleofIndemnitiesforAccidentalDeathandDismembermentBenefit);or
• PermanentTotalDisability;or• DoubleLivingBenefit
Premium Youcanpayyour/yourchild’sfirstpremiumandrenewalpremiumsusingcash,bychequeorbycreditcard.Youcanalsopayyour/yourchild’srenewalpremiumviaMaybankauto-debit(whenusingMaybankauto-debit,your/yourchild’sfirstpremiumneedstobepaidbycashorcheque).
Youcanchoosetopayyour/yourchild’srenewalpremiumsonceayearortwiceayear.
Werecommendthatyoupayeachrenewalpremiumbeforeitisdue.Thelatestyoucanpayeachrenewalpremiumis31daysaftertheduedate.Ifwedonotreceiveyour/yourchild’srenewalpremiumwithin31daysoftheduedate,your/yourchild’scoverwillstop.
Cancellation Wemaycancelyour/yourchild’splanbywritingtoyoustatingthatyour/yourchild’spolicyistobecancelled.Thecancellationdatewillnotbelessthan10daysfromthedatethatwemailthelettertoyou.
Twin PA8
Youmaycancelyour/yourchild’splanbywritingtousstatingthedateonwhichyouwantyour/yourchild’splantobecancelled.Cancellationwillbeeffectiveonthatdate.Ifwereceivethewrittennotificationaftertheintendeddateofcancellation,thecancellationwillbeeffectiveonthedateitisreceivedbyus.
Ifyoudecidetocancelyour/yourchild’splan,youmustdosobeforeyour/yourchild’snextpremiumduedate.Theamountofpremiumthatweshouldrefundyouwillbecalculatedinaccordancewiththeshortratecancellationtable,andisbasedonourproceduresatthetimeoftherefund.However,payingthepremiumbacktoyouisnotaconditionofcancellation.
ClaimsYouneedtocompletetheclaimdocuments,whichyoucanobtainfromyourAIAagent,bycallingtheAIACareLineat1300881899orvisitinganyAIAbranch.YouwillfindalistofAIAbranchesinMalaysiabygoingtowww.aia.com.my
Youmustprovideuswithwrittennoticeofaclaimwithin30daysoftheaccidentcausingyour/yourchild’sinjuryandyouwillneedtoprovideuswithproofofyour/yourchild’sclaim,suchasallrelevantreports(e.g.hospital,policeetc),togetherwithalloriginalmedical/treatmentbillsrelatedtotheclaim.Toprovethatyou/yourchildhasbeenhospitalized,youmustprovideuswithanofficialstatementofaccountorareceiptfromthehospitalwithin30daysofyour/yourchild’sdischarge.
Inaddition,wealsoneedproofsupportingtheclaim(suchasahospitalcertificate,documentsonmedicaltreatmentorexamination,policereport,post-mortemreport,deathcertificate,burialcertificateornewspapercuttings)andproofoftheidentityofthepersonmakingtheclaim–within90daysoftheaccident.
Information and Complaints IfyouwouldliketoknowmoreaboutTwinPAortherangeofproductsofferedbyAIA,oryouwishtomakeacomplaint,pleasecontactyourAIAagent,calltheAIACareLineat1300881899orvisitanyAIAbranch.YouwillfindalistofAIAbranchesinMalaysiabygoingtowww.aia.com.my
Notes:• Thisflyerisforillustrativepurposesonlyandisnotacontractofinsurance.Theexclusionsandlimitationsofthebenefitshighlightedarenotlimitedtothisflyer.Pleaserefertothepolicycontractforexactterms,provisionsandconditions.
• ThisproductisunderwrittenbyAIABhd.• AIABhd.islicensedundertheFinancialServicesAct2013andregulatedbytheCentralBank(BankNegaraMalaysia).
Twin PA 9
Perlindungankemalangan,diseluruhdunia+perlindunganbergandabagikecederaanserius
Twin PAJadual Faedah/Premium
Pelan Dewasa
Pelan Juvenil
Faedah
Faedah
Amaun Perlindungan (RM)
Amaun Perlindungan (RM)
Kelas 3 & 4Kelas 1 & 2Kelas 1 & 2 Kelas 3 & 4
Pelan 1
Pelan 1A
Pelan 2
Pelan 2A
Perhatian: • Premiumtambahanbolehditambahkepadapremiumstandardjikarisikoyangdikemukakanadalah
lebihbesardaripadarisikostandard.• Selaindaripadapremium,dutisetemsebanyakRM10perludibayarkepadaKerajaan.Dutisetemini
perludibayarsetiaptahunpadaulangtahunpolisianakanda.• Premiumkemungkinantetapsama.Walaubagaimanapun,kamiberhakuntukmengubahnyasejajar
denganpremiumyangdikenakanketikapembaharuan.• Silamaklumbahawabermula1April2015,CukaiBarangdanPerkhidmatansebanyak6%akan
dikenakandiataspremiumyangperludibayar.
100,000 100,000 200,000 200,000
100,000 100,000 200,000 200,000
2,000 2,000 2,000 2,000
50 50 100 100
233.20 377.36 445.20 716.56
118.93 192.45 227.05 365.45
100,000 200,000 100,000 200,000
2,000 2,000 Yes Yes 159.00 288.32 81.09 147.04
FaedahKematiandanPengudunganAkibatKemalangan
FaedahPerlindunganBerganda
FaedahPembayaranBalikPerubatan
FaedahTanggungRugiMingguan
Premium Tahunan (Termasuk 6% GST)
Premium Setengah Tahunan(Termasuk 6% GST)
FaedahKematiandanPengudunganAkibatKemalangan
FaedahPerlindunganBerganda
FaedahPembayaranBalikPerubatan
FaedahPembayar
Premium Tahunan(Termasuk 6% GST)
Premium Setengah Tahunan(Termasuk 6% GST)
Twin PA10
Takrif Faedah
Takrif
FaedahKematiandanPengudunganAkibatKemalangan
FaedahPerlindunganBerganda
• Jikaanda/anakandaditimpakemalangandanmengalamimana-manasatudaripadakehilanganberikutdalamtempoh365haridariberlakunyakemalanganini:
a)Kehilangannyawa-jumlahamaunperlindungan(sepertiyangditunjukkandiJadualFaedah)akandibayar.
b)Pengudunganataukehilangananggota-berdasarkankeparahankecederaananda/anakanda,andaakanmenerimaseperatusandaripadajumlahamaunperlindungan(sepertiyangditunjukkandiJadualFaedah).Untuksenaraikecederaanyangdilindungidanperatusanyangakandibayar,silarujuk‘JadualTanggungRugiuntukFaedahKematiandanPengudunganAkibatKemalangan’dirisalahini.
c)Hilangupayamenyeluruhdankekal-andaakanmenerimajumlahamaunperlindungan(sepertiyangditunjukkandiJadualFaedah),sekiranya,selepas12bulandarikemalangananda/anakanda,anda/anakandamasihlagitidakberupayamelakukanmana-manayangberikut:
i) sebarangpekerjaanyangandaberkelayakanberdasarkanpendidikanandaatauterlatih/berpengalamandalampekerjaanitu;atau
ii)melakukantigaataulebihdaripada‘Aktiviti-aktivitiKehidupanHarian’yangberikut:
• dudukdanbangundarikerusitanpamemerlukansebarangbantuanfizikal;
• berupayabergerakdaribilikkebiliktanpamemerlukansebarangbantuanfizikal;
• berupayamengawalfungsibuangairbesardanairkecildemimenjagakebersihandiri;
• memakaidanmenanggalkansemuapakaianyangperlutanpamemerlukanbantuanoranglain;
• berupayauntukmembersihdirididalambilikmandi(termasuklahmasukataukeluardaribilikmandi),ataumembersihdiridengansebarangcaralain;dan
• kesemuatugasmemasukkanmakanankedalambadansetelahiadisediakan.
Butiranc)(i)adalahtidakterpakaikepadaPelanJuvenil.
•Jikaanda/anakandaditimpakemalangandanmengalamimana-manasatudaripadakehilanganberikutdalamtempoh365haridariberlakunyakemalanganini,andaakanmenerimafaedahinidalamsatubayarantunaisekaligusdengansyaratFaedahKematiandanPengudunganAkibatKemalangan(sepertiyangdihuraikanpadahalaman1risalahini)telahdibayaratauakandibayar.
• Butakedua-dua/satumatayangkekaldanmenyeluruh • Kehilanganatauhilangkeupayaandua/satukaki/tanganyang
kekaldanmenyeluruh • Kehilanganupayapertuturandanpendengaranyangkekal
Faedah
Twin PA 11
DefinitionsBenefits
FaedahPembayaranBalikPerubatan(setiapkemalangan)
FaedahTanggungRugiMingguan(hanyaterpakaikepadaPelanDewasa)
• Ketaksiumanyangkekaldantidakbolehdiubati • Lumpuhsecaramenyeluruhdankekal • Hilangupayamenyeluruhdankekal(sepertiyangdihuraikan
diButiran(c)FaedahKematiandanPengudunganAkibatKemalangan)
• Andaakandibayarbalikuntukperbelanjaanperubatandanpembedahananda/anakanda,sepertirawatanpesakitdalamdanpesakitPerubatan(setiapkemalangan)luaroleh PengamalPerubatanBerdaftaratauPakarBedah,dalamtempoh52minggudariberlakunyakemalangan,atausehinggaamaunyangditunjukkandiJadualFaedahbagisetiapkemalangan.
• AndaakandibayarbaliksehinggaRM500bagisetiapkemalanganuntuksebarangrawatanalternatifyangditerimadalamtempoh90haridariberlakunyakemalangantertaklukkepadabakiFaedahPembayaranBalikPerubatan,dengansyaratanda/anakandatelahberjumpaPengamalPerubatanBerdaftarterlebihdahulu.RawataninitermasuklahAkupuntur,TabibTulang,TerapiKiropraktik,OsteopatidanFisioterapi.
• PengamalPerubatanBerdaftaratauPakarBedahadalahorangyangdiberikuasayangsahdisisiundang-undangdikawasangeografikerjayanyauntukmengamalkanperubatandanpembedahan.BeliaumestilahberkelayakandenganmemilikiijazahdalambidangperubatanBarat,danmestilahtidakmempunyaipertaliandenganandasebagaiejenAIAanda,rakanniagaanda,majikanataupekerjaanda,ahlikeluargaterdekatandaataupemegangpolisiuntukpelanini.
• JikaandamengalamiHilangUpayaMenyeluruhSementaradalamtempoh90haridariberlakunyakemalangan,andaakanmenerimaamaunyangditunjukkandiJadualFaedahsetiapminggusehinggamaksimum52minggubagisetiapkemalangan. • HilangUpayaMenyeluruhSementarabermaknaandaadalah:
a)hilangupayasecaramenyeluruhdanberlanjutandan b)terhalangdaripadamelaksanakansebarangtugasyang
berkaitandenganpekerjaanlazimanda.• JikaandamengalamiHilangUpayaSeparaSementaradalamtempoh90haridariberlakunyakemalangan,andaakanmenerima25%daripadaamaunyangditunjukkandiJadualFaedahsetiapminggusehinggamaksimum52minggubagisetiapkemalangan.
• HilangUpayaSeparaSementarabermaknaandaadalah: a)hilangupayaseparadanberlanjutandan b)terhalangsecaramenyeluruhdanberlanjutandaripada
melaksanakansatuataulebihtugasyangberkaitandenganpekerjaanlazimanda.
Twin PA12
TakrifFaedah
FaedahPembayar(hanyaterpakaikepadaPelanJuvenil)
BonusUlangTahun
• FaedahinitidakakandibayarkepadaandasekiranyaandalayakmenerimaFaedahKematiandanPengudunganAkibatKemalangan(sepertiyangdihuraikanpadahalaman1risalahini)dan/atauFaedahPerlindunganBerganda(sepertiyangdihuraikandiatas).
• JikakamitelahmembayarFaedahiniterlebihdahuludaripadaFaedahKematiandanPengudunganAkibatKemalangan(sepertiyangdihuraikanpadahalaman1risalahini)dan/atauFaedahPerlindunganBerganda(sepertiyangdihuraikandiatas),sebarangamaunyangtelahdibayarterlebihdahuluakanditolakdaripadafaedahlebihbesaryangbolehdibayarkemudiandibawahFaedahKematiandanPengudunganAkibatKemalangan(sepertiyangdihuraikanpadahalaman1risalahini)dan/atauFaedahPerlindunganBergandasepertiyangdihuraikandiatas)untukkemalanganyangsama.
• Jikaandaditimpakemalangandanmengalamikehilangannyawaatauhilangupayamenyeluruhdankekalsepertiyangdihuraikan(hanyaterpakaikepadaPelanJuvenil)dibawahFaedahKematiandanPengudunganAkibatKemalangandalamtempoh365haridaritarikhkemalangan,kamiakan,tertaklukkepadasyaratdanperuntukanyangterkandungdalamkontrakpolisiini,mengetepikanpremiumyangkenadibayardibawahpelanini.Premiumpertamayangdiketepikansedemikianhendaklahpremiumyangjatuhgenaptempohbetul-betulselepastarikhberlakunyakematianakibatkemalangansepertiituataubermulanyahilangupayamenyeluruhdankekalakibatkemalangan.
• Penerimaanpenepianpremiumhendaklahtidakmenjejaskanfaedahlain,iaituFaedahKematiandanPengudunganAkibatKemalangan,FaedahPerlindunganBergandadanFaedahPembayaranBalikPerubatan,danpolisihendaklahterusberkuatkuasaseolah-olahpremiumyangdiketepikantelahpundibayardengansewajarnya.
• TiadaperubahanpadapelankeataspolisiinibolehdilakukansemasaberterusannyaFaedahPembayar.
• Faedahiniakantamatdengansendirinyamengikutsyarat-syaratyangterteradibawahPenamatanInsuransdanFasalPembatalansepertiyangterteradikontrakpolisi.
• Padaulangtahunpertamadankeduapolisianda/anakanda,anda/anakandaakanmenerima50%BonusUlangTahunistimewakeatasamaunperlindunganbagiFaedahKematiandanPengudunganAkibatKemalangan.
• BonusiniakanditambahkepadaamaunperlindunganbagiFaedah
KematiandanPengudunganAkibatKemalangan,dandiberikanuntukulangtahunpertamadankeduasepanjanghayatpolisianda/anakanda.
Twin PA 13
TakrifFaedah
HakIstimawaPenukaran(hanyaterpakaikepadaPelanJuvenil)
• Sekiranyapolisianakandainiakantamatpadamana-manatarikhberikutyangpalingawal,akibatsalahsatudaripadaberikut:-
• padaulangtahunpolisiketikaanakandamencapaiumur23tahunatauPelanJuvenil)
• anakandaberkahwinatau • anakandamendapatpekerjaanbergaji,•PerlindungananakandabolehditeruskandenganmenukarkepadaPelanDewasaTwinPA.Iniadalahtertaklukkepadabudibicarakamisertaperaturandansyarat-syaratsemasayangberkuatkuasaketikapenukarandibuat,dengansyaratbutiranberikutditerimaolehkamidalamtempoh30harisebelumtarikhpenamatanpolisiini:-
i) andadananakandahendaklahmembuatpermohonansecarabertulisuntukpenukaran
ii)BorangPermintaanUntukPertukaranuntukpenukaranhakpemilikdariandakepadaanakanda
iii)pembayaranpremiumyangberpatutan(termasukpremiumtertunggakjikaada)untukpelanyangtelahditukar
iv)kontrakpolisiuntukPelanJuvenilTwinPAperludikembalikankepadakamiuntukdiendors
• HakuntukBonusUlangTahun( jikaada)yangterletakkeatasanakandaakandiperuntukkandidalampelanyangtelehditukar.FaedahPembayar(sepertiyangdihuraikandiatas)akandibatalkanapabilapenukarandibuat.
• HakIstimewaPenukaraniniakantamatsecaraautomatikdantidakberkuatkuasajikaHakIstimewaPenukaraninitidakdimanfaatkandalamtempoh30harisepertiterteradiatas.
Twin PA14
JADUAL TABGGUNG RUGI BAGI FAEDAH KEMATIAN DAN PENGUDUNGAN AKIBAT KEMALANGANKejadian % daripada Amaun PerlindunganKehilangannyawa........................................................................................................100%Butakedua-duamatayangkekaldanmenyeluruh..............................................................100%Butasatumatayangkekaldanmenyeluruh......................................................................100%Kehilanganatauhilangkeupayaanduakaki/tanganyangkekaldanmenyelur.........................100%Kehilanganatauhilangkeupayaansatukaki/tanganyangkekaldanmenyeluruh.....................100%Kehilanganupayapertuturandanpendengaranyangkekaldanmenyeluruh...........................100%Ketaksiumanyangkekaldantidakbolehdiubati................................................................100%Lumpuhmenyeluruh.................................................................................................. 100%Hilangpendengaranyangkekaldanmenyeluruh:kedua-duatelinga.........................................................................................................75%satutelinga..................................................................................................................25%Kehilanganupayapertuturanyangkekal...........................................................................50%kehilangankantasatumatayangkekaldanmenyeluruh.......................................................50%Kehilanganatauhilangkeupayaanempatjaridanibujariyangkekaldanmenyeluruh:tangankanan...............................................................................................................70%tangankiri...................................................................................................................50%Kehilanganatauhilangkeupayaanempatjariyangkekaldanmenyeluruh:tangankanan...............................................................................................................40%tangankiri...................................................................................................................30%Kehilanganatauhilangkeupayaansatu/kedua-duaibujariyangkekaldanmenyeluruh:kedua-duakeratditangankanan.....................................................................................30%satukeratditangankanan..............................................................................................15%kedua-duakeratditangankiri.........................................................................................20%satukeratditangankiri..................................................................................................10%Kehilanganatauhilangkeupayaansatujari/jari-jariyangkekaldanmenyeluruh:tigakeratditangankanan...............................................................................................10%duakeratditangankenan............................................................................................. 7.5%satukeratditangankanan............................................................................................... 5%tigakeratditangankiri.................................................................................................7.5%duakeratditangankiri................................................................................................... 5%satukeratditangankiri...................................................................................................2%Kehilanganatauhilangkeupayaansatujarikaki/jari-jarikakiyangkekaldanmenyeluruh:kesemuajaripadasatukaki..............................................................................................15%kedua-duakeratpadaibujarikaki......................................................................................5%satukeratpadaibujarikaki..............................................................................................3%lain-lainjarikaki,tiap-tiapjari..........................................................................................2%Patahkakiataupatelayangtidakbolehdisatukan(walaupundenganusahaperubatan)selepas26minggudaritarikhkemalangan.........................................................................10%Pemendekankakiyangsekurang-kurangnya5cm................................................................7.5%
• Kamimempunyaibudibicaramutlakdalammenentukanperatusantanggungrugiyangbolehdibayaruntukhilangupayakekalyangtidakditetapkandalamjadualdiatas.
• Jikaanda/pasanganandaseorangkidal,peratusfaedahyangbolehdibayarbagipelbagaihilangupayauntuktangankananakanbertukarkepadatangankiri.
• TanggungRugiakandibayaruntuksatukehilangansahaja.Jikaterdapatbeberapakehilangananggotadarikemalanganyangsama,makaamaunyangdibayaradalahuntukkehilanganyangterbesar.Tanggunganmaksimumyangbolehdibayarialah100%keseluruhanjumlahperlindungandibawahFaedahKematiandanPengudunganAkibatKemalangan.
Twin PA 15
KelayakanBagiPelanJuvenil:Kanak-kanakberumurdarisatubulanhingga15tahun.Polisibolehdiperbaharuisehingga23tahun,dengansyaratkanak-kanakbelumberkahwindanmendapatpekerjaanbergaji.
BagiPelanDewasa:Dewasaberumurdari16hingga70tahun,termasukdandaripadakelaspekerjaan1hingga4.Jikaandaseorangwargaasing,andamestilahmempunyaipermitkerjayangsahdandaripadakelaspekerjaan1dan2.Polisibolehdiperbaharuisehingga70tahun.
Berikutialahpeneranganringkasmengenaikelaspekerjaan:Kelas1–Pekerjakolarputihdalamindustriyangtidakberbahayadanhanyabekerjadipremispejabatsahaja.Kelas2–Pekerjayangmenyeliaataumengawas,jurutera,penyeliakerjabukanburuhdenganindustriseparaberbahaya.Kelas3–Pekerjamahiratauseparuhmahiryangmenggunakanmesinringan.Kelas4–Pekerjaperindustrianyangmenggunakanmesinataupekerjatidakmahir.Pengelasanadalahberdasarkantugasankerjayangdilakukanolehanda.Kelaspekerjaanandayangsebenarakanditentukanolehkami.
Pertukaran PekerjaanAndamestimemberitahukamisecarabertulisjikapekerjaanandabertukar.Kamikemudianakanmenelitipekerjaanbaruandaituuntukmenentukan,bagitujuaninsurans,samaadaiamasihdalamkelaspekerjaanyangbolehdiinsuranskanbagipelanini.
PerlindunganPerlindungananda/anakandabermuladaritarikhborangpermohonanyangandalengkapkandanbertandatanganidiluluskanolehkamidansetelahkamimenerimapremiumtertentu.
Perlindungananda/anakandatertaklukkepadatermadansyaratyangdinyatakandalamkontrakpolisidanbolehdiperbaharuisetahunsekalipadaulangtahunpolisianda/anakanda.Untukmendapatkansalinancontohkontrakpolisi,silahubungiejenAIAanda,hubungiAIACareLinedi1300881899ataukunjungimana-manasatucawanganAIA.SenaraicawanganAIAdiMalaysiabolehdidapatidenganmelayariwww.aia.com.my
BagiPelanDewasa:Perlindunganandaakantamatsecaraautomatikpadamana-manayangterawalantaratarikhberikut:• tamatnyatempohihsan31haribagimana-manapremiumyangbelumdibayar;• ulangtahunpolisiselepassahajaharilahirandayangke-75;• jumlahamaunperlindunganbagiFaedahKematiandanPengudunganAkibatKemalanganatauFaedahHilangUpayaMenyeluruhDanKekaldan/atauFaedahPerlindunganBergandatelahdibayarataupunakandibayarolehkamikepadaanda;
• apabilaandameninggaldunia;atau• pembatalanpolisiandaataspermintaanandaataupermintaankami.
BagiPelanJuvenil:Perlindungananakandaakantamatsecaraautomatikpadamana-manayangterawalantaratarikhberikut:• tamatnyatempohihsan31haribagimana-manapremiumyangbelumdibayar;• ulangtahunpolisiselepassahajaharilahiranakandayangke-23;• apabilaanakandaberkahwinataumendapatpekerjaanbergaji;• jumlahamaunperlindunganbagiFaedahKematiandanPengudunganAkibatKemalanganatauFaedahHilangUpayaMenyeluruhDanKekaldan/atauFaedahPerlindunganBergandatelahdibayarataupunakandibayarolehkamikepadaanda;
Twin PA16
• apabilaanakandameninggaldunia;atau• pembatalanpolisianakandaataspermintaanandaataupermintaankami.
Pengecualian TerdapatduakategoriyangtidakdilindungiolehTwinPA:• Penyakitsediaada,yangbermaksudsebarangpenyakitataukeadaanyangberlakusebelumtarikhpolisianda/anakandabermulaatautarikhpolisianda/anakandakaliterakhirdimulakansemula( jikaperlindungananda/anakandaterhentipadamasalepas).Bagitujuanini,sesuatupenyakitataukeadaanituberlakuapabila:
• iatelahdiperiksa,didiagnosisataudirawatsecaraperubatan;• simptomnyajelasdannyata;atau• simptomnyamenyebabkanorangbiasayangwarasmendapatkandiagnosis,penjagaanataurawatan.
Pengecualianamseperti:• jangkitanbakteria;• rawatanperubatanataupembedahan(kecederaanyangdilindungidibawahpelaninterkecuali);• kecederaanyangmengakibatkanhernia;• gangguanmentalatausaraf;penggunaanapa-apajenisdadah/narkotik;• AIDS;• kejadianakibatpeperangan,seranganatauperangsaudara;• aktivitidiudaraatauterbangsebagaijuruterbangatauanakkapaldidalammana-manapesawatudarakecualipenumpangdipenerbangankomersial;
• membunuhdiriataumencederakandiridengansengaja;• sukanprofesional;• sebarangjeniswabakataupenyakitataukecacatankongenital;• melahirkananak,kehamilanataukeguguran;• memanduataumenunggangdalamsebarangjenisperlumbaanmotor;• rawatanpergigianyangdiperlubukanakibatkecederaanyangdilindungidibawahpelanini;dan• bergiatcergasdalammana-manaangkatanbersenjata. Bagisemuapengecualianstandard,silarujukkepadakontrakpolisi.Untukmendapatkansalinancontohkontrakpolisi,silahubungiejenAIAanda,hubungiAIACareLinedi1300881899ataukunjungimana-manasatucawanganAIA.SenaraicawanganAIAdiMalaysiabolehdidapatidenganmelayariwww.aia.com.my
Tempoh Menunggu Anda/anakandaperlumenungguselama12bulandaritarikhkemalangananda/anakandabagisebarangbayaranyangperludibayardibawah:• FaedahKematiandanPengudunganAkibatKemalangan(kecualikematianakibatkemalangan,kehilangansatu/duakaki/tangan,pemendekankakiataupatahkakisepertiyangdihuraikandalamJadualTanggungRugibagiFaedahKematiandanPengudunganAkibatKemalangan);atau
• FaedahHilangUpayaMenyeluruhDanKekal• FaedahPerlindunganBerganda
Premium Andabolehmembayarpremiumpertamadanpremiumpembaharuananda/anakandasecaratunai,dengancekataukadkredit.Andajugabolehmembayarpremiumpembaharuananda/anakandamenerusiautodebitMaybank(apabilamenggunakanautodebitMaybank,premiumpertamaanda/anakandaperludibayarsecaratunaiataudengancek).
Twin PA 17
Andabolehmemilihuntukmembayarpremiumpembaharuananda/anakandasekalisetahunatauduakalisetahun.
Kamimenyarankanandasupayamembayarsetiappremiumpembaharuansebelumtarikhgenaptempohnya.Andabolehmembayarsetiappremiumpembaharuanselewat-lewatnya31haridaritarikhgenaptempohnya.Jikakamitidakmenerimapremiumpembaharuananda/anakandadalamtempoh31haridaritarikhgenaptempohnya,perlindungananda/anakandaakanterhenti.
Pembatalan Kamibolehmembatalkanpelananda/anakandadenganmenghantarkansuratkepadaandadenganmenyatakanbahawapolisianda/anakandaakandibatalkan.Tarikhpembatalaninitidakakankurangdaripada10haridaritarikhkamimenghantarkansuratkepadaanda.
Andabolehmembatalkanpelananda/anakandadenganmenghantarkansuratkepadakamidenganmenyatakantarikhandamahupelananda/anakandaitudibatalkan.Pembatalanakanberkuatkuasapadatarikhitu.Sekiranyakamimenerimapemberitahuanbertulistersebutselepastarikhpembatalanyangdimaksudkanitu,makapembatalanakanberkuatkuasapadatarikhpemberitahuantersebutditerimaolehkami.
Sekiranyaandainginmembatalkanpelananda/anakanda,andamestilahberbuatdemikiansebelumtarikhgenaptempohpremiumanda/anakandayangberikutnya.Amaunpremiumyangakankamikembalikankepadaandaakandikiramenurutjadualdanprosedurkadarjangkapendekbiasa,danberdasarkankepadaprosedurkamiketikapengembalianitudibuat.
Walaubagaimanapun,membayarbalikpremiumkepadaandabukanlahsyaratpembatalan.
Tuntutan Andaperlumelengkapkandokumen-dokumentuntutanyangbolehandadapatidaripadaejenAIAanda,denganmenghubungiAIACareLinedi1300881899ataukunjungimana-manasatucawanganAIA.SenaraicawanganAIAdiMalaysiabolehdidapatidenganmelayariwww.aia.com.my
Andamestimemberikankamisurattuntutanbertulisdalamtempoh30haridariberlakunyakemalanganyangmenyebabkankecederaananda/anakandadanandaperlumemberikankamibuktituntutananda/anakandasepertisemualaporanyangbersangkutan(contohnya,laporanhospital,laporanpolisdansebagainya),bersertasemuabilperubatan/rawatanasalyangberkaitandengantuntutantersebut.Untukmembuktikanbahawaanda/anakandatelahdimasukkankehospital,andamestilahmemberikankamipenyataakaunrasmiatauresitdaripadahospitaldalamtempoh30harianda/anakandakeluarhospital.
Selaindaripadadokumentuntutan,kamijugamemerlukanbuktiyangbolehmenyokongtuntutan(sepertiperakuanhospital,dokumenmengenairawatanataupemeriksaanperubatan,laporanpolis,laporanbedahsiasat,sijilkematian,sijilpengebumianataukeratanakhbar)sertabuktiidentitiorangyangmembuattuntutanitu–dalamtempoh90haridariberlakunyakemalangan.
Maklumat Dan Aduan SekiranyaandamahumengetahuilebihlanjutmengenaiTwinPAataubeberapajenisprodukinsuransditawarkanolehAIA,atauandainginmembuataduan,silahubungiejenAIAanda,hubungiAIACareLinedi1300881899ataukunjungimana-manasatucawanganAIA.SenaraicawanganAIAdiMalaysiabolehdidapatidenganmelayariwww.aia.com.my
Twin PA18
Nota:• Risalahiniadalahbagitujuanpenjelasansahajadanbukannyamerupakankontrakinsurans.Pengecualiandanbatasanfaedahyangdinyatakanadalahtidakterhadkepadarisalahinisahaja.Silarujukkontrakpolisiuntukterma,peruntukandansyaratterperinci.
• ProdukiniadalahditanggungjaminolehAIABhd.• AIABhd.dilesenkandibawahAktaPerkhidmatanKewangan2013dandikawalseliaolehBankNegaraMalaysia.
About AIA Bhd.
AIABhd.isaleadinginsurerinMalaysia,wherewehavebeenprivilegedtodobusinesssince1948.Weofferasuiteofhigh-qualityproductsincludingProtection,Health,PersonalAccident,GeneralInsurance,EmployeeBenefits,RetirementandFamilyTakafulsolutionstomeetourcustomers’protectionandfinancialsecurityneedsateverylifestage.Throughourwideanddiversedistributionfootprintwhichcomprisesa17,000-strongLifePlannerforce,ourexclusivebankpartner’sbranchesnationwideaswellascorporatesalesteamsandbrokers,wegiveourcustomersthechoiceofdecidinghow,whenandwheretheyconnectwithus.
PartoftheAIAGroup,thelargestindependentpubliclylistedpan-Asianlifeinsurancegroup,AIABhd.hasthefinancialstrength,experience,servicecentrenetworkandawell-trainedteamofmorethan2,000stafftoserveour3millioncustomersnationwide.Asatend2014,AIABhd.’stotalassetworthwasRM46billion,withapaid-upcapitalofRM767million.
Mengenai AIA Bhd.
AIABhd.,adalahpenerajuutamasyarikatinsuransdiMalaysia,dimanakamimendapatpenghormatanmenjalankanperniagaansejak1948.KamimenawarkanrangkaianprodukberkualititinggitermasuksolusiPerlindungan,Kesihatan,KemalanganPeribadi,InsuransAm,FaedahPekerja,PersaraandanTakafulKeluargauntukmemenuhikeperluandanjaminankewanganpelanggankamipadasetiapperingkatkehidupanmereka.Melaluirangkaianpengedarankamiyangpelbagaidanluasyangmempunyaikekuatanpasukanagensidenganhampir17,000PerancangHayat,cawanganrakankongsibankkamiyangeksklusifdiseluruhnegarasertapasukanjualankorporatdanbroker,kamimemberipelanggankamipilihandalammenentukanbagaimana,biladandimanamerekamenghubungikami.
SebahagiandaripadaKumpulanAIA,kumpulaninsuransnyawapan-Asiatersenaraiawamterbesardanbebas,AIABhd.mempunyaikekuatankewangan,pengalaman,rangkaianpusatperkhidmatansertasatupasukancukupterlatihterdiridaripadalebih2,000kakitanganyangmemberiperkhidmatankepada3jutapelanggandiseluruhnegara.Sehinggaakhir2014,jumlahasetAIABhd.bernilaiRM46bilion,denganmodalberbayarsebanyakRM767juta.
大马友邦保险简介
大马友邦保险有限公司 (AIA Bhd.),领先于马来西亚保险业市场,并于1948年在马来西亚开始运作。我们提供一系列高品质的产品,包括保障、健康、个人意外、普通保险、雇员福利保险、退休计划及回教保险以迎合客户们在生命中每一个阶段的健康与财务保障需求。透过广泛及多元的经销管道,包括近一万七千名的强大寿险策划师团队,首选银行合作伙伴于全国的分行以及企业行销团队和中介员,让客户可以选择他们喜欢的方式、时间和地点与我们联系。
大马友邦保险是友邦保险集团,最大的泛亚地区独立上市人寿保险集团,属下的成员公司。大马友邦保险拥有雄厚的财力、丰富的经验、广泛的服务中心网络及受过良好训练的逾两千名员工为全国各地300万名客户提供服务。截至2014年,大马友邦保险的总资产为460亿令吉,而缴足资本为7.67亿令吉。
Contact Us & Find Out MoreHubungi kami untuk maklumat lanjut联络我们以了解更多
If you have any further queries, kindly contact your AIA Life Planner / AIA authorised representative at:
Sekiranya anda mempunyai pertanyaan lanjut, sila hubungi Perancang Hayat AIA / wakil AIA yang disahkan:
若您有任何疑问,请联系您的AIA寿险策划师 / 授权代理员:
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AIA Bhd. (790895-D)Menara AIA, 99 Jalan Ampang50450 Kuala LimpurCare Line: 1300 88 1899T : 03-2056 1111F : 03-2056 3891
AIA.COM.MY
AIA Bhd. is licensed under the Financial Services Act 2013 and regulated by the Central Bank of Malaysia(Bank Negara Malaysia).AIA Bhd. adalah dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal selia oleh Bank Negara Malaysia.