Perfect lady plan1

PPerfect Lady erfect Lady Helps youHelps you

achieveachieve balance in your lifebalance in your life

Whole LifeProtection

Saving For Old Age

Maternity Benefits

Female Illness Coverage

Perfect Lady Perfect Lady

Perfect LadyPerfect Lady

** Specifically designed to take care of

female illnesses & hospital income

Perfect Lady DeluxePerfect Lady Deluxe Perfect Lady PremierPerfect Lady Premier

Benefit

Lady Care

Benefits

** Designed to take care of

female illnesses + Maternity

benefits + Hospital Income

Lady Care Mother Care


Definition of Illnesses-Female Illnesses

“Cancer “ means uncontrolled growth and spread of cancerous cells which invades and destroys the normal tissue .

Only cancer of the female organs Female Cancers –

- Tests- Chemotherapy- Radiotherapy- Medication- Surgery

Female Cancer - BreastFemale Cancer - Breast

Total Expected Medical cost :RM50 000 – RM100 000RM50 000 – RM100 000


Definition of Illnesses-Female Illnesses

Female Cancer - CervicFemale Cancer - Cervic


Colostomy & Cone Biopsy of CervixFemale Illnesses

Colostomy & Cone Biopsy of CervixColostomy & Cone Biopsy of Cervix


Carcinoma-In-Situ

Carcinoma-In-SituCarcinoma-In-Situ


Pregnancy Complication

The generation of fibrin in the circulating blood, caused by entrance of uterine material with tissue factor activity (TFA) into the maternal circulation and results in major haemorrhage and requires treatment with frozen plasma and platelet concentrates

Disseminated Intravascular Coagulation (DIC)Disseminated Intravascular Coagulation (DIC)


The delivery of a dead child by the Life Assured after 195 days of pregnancy

Still BirthStill Birth

Pregnancy Complication


Ectopic Pregnancy

Pregnancy in which implantation of a fertilized ovum occurs outside the uterine cavity and has to be terminated by laparotomy or laparoscopic surgery.

Ectopic PregnancyEctopic Pregnancy


Congenital Anomalies-Child Diseases

A specific chromosomal abnormality, specifically an autosomal aberration, identified by an extra chromosome 21 and characterized by muscular hypotonically, microcephaly, brachycephaly and flattend occiput. Such diagnosis must be supported by the fact that physical and mental development are retarded.

Down’s SyndromeDown’s Syndrome


Defective closure of the spine column due to a neural tube defect with a resultant meningomyelocele or meningocele and associated neuroligical deficit.

Spina BifidaSpina Bifida



An anatomic abnormality with serve of total right ventricular outflow tract obstruction and a ventricular septal defect allowing right ventricular unoxygenated blood to bypass the pulmonary artery and entry to the aorta directly as confirmed by echocardiogram.

Tetralogy of FallotTetralogy of Fallot



Lady CareLady CareFemale Illness CoverageFemale Illness Coverage

Coverage Amount PayableFemale Cancer• Breast• Cervix• Fallopian Tubes• Ovary• Uterus• Vulva / Vagina

100% of the RSA Waiting period: 60 days Survival period: 7days One claim only

Passive Cancer

Carcinoma-in-situ of:• Breast or Cervix uteri

20% of the RSA Subject to a maximum of RM 20,000 Waiting period: 120 days One claim only

Lady Care-Lady Care- Summary of Female Illness CoverageSummary of Female Illness Coverage

Lady CareLady Care

Mother CareMother CareMaternity BenefitsMaternity Benefits

Mother CareMother Care

Coverage Amount PayablePregnancy Complication

* Disseminated Intravascular Coagulation (DIC)

* Still Birth

* Ectopic Pregnancy

50% of RSA Subject to a max of RM50,000 One claim only

Congenital Anomalies

* Down’s Syndrome

* Spina Bifida (Exposure of the Spinal Cord)

* Tetra-logy Of Fallot (Hole in the heart Spina)

50% of RSA Subject to a max of RM 50,000 One claim only Diagnosis must be within 2 years

from delivery Infant must survive more than 28 days

Hospitalization Benefit on Child Birth

Daily Hospitalization confinement of

1.0% of the RSA Maximum of 3 deliveries per life Maximum of 3 days per delivery

Death due to child birth 100% of RSA Covers death of Life Assured from after 168 days of pregnancy to 30 days after delivery.

Extra Benefit Extra Benefit Additional CoverageAdditional Coverage

Coverage Amount Payable

Surgery 50% of the RSA Subject to a max of RM 25,000 One claim only Reimbursement basis

Facial Reconstructive Surgery (Face & Neck)

Due to Accident

Summary of Additional CoverageSummary of Additional Coverage

Lady CareLady Care

Comprehensive Whole Life CoverageComprehensive Whole Life Coverage

Death

Total Permanent Disablement

(TILL AGE 65)

Old Age Disablement

(AGE 65 – AGE 100)

of the BSAof the BSA

++Terminal DividendsTerminal Dividends

++

Net Accumulated Cash Net Accumulated Cash DividendDividend

100%100%


OAD – BATHING, EATING, DRESSING , LAVATORY & MOVING (3 OUT OF 5 ACTIVITIES)

1 Death 忘记呼吸 / TPD 终生全残 / OAD老年行动不便 / 100,000+ Till Age 100直到 100 岁

2 Female Cancer 女性癌症 (Waiting Period : 60 days)(Breast/ Cervix Cancer乳房癌或子宫颈癌 - 等待期 :60 天 )

100,000 Till Age 100直到 100 岁

3 Carcinoma In Situ Of Breast & Cervix 乳房或子宫颈原位恶性肿瘤 (Additional 额外 ) (Max)(Waiting Period等待期 :120 天 ) Passive Cancer

20,000 Till Age 100直到 100 岁

4 Pregnancy Complication 怀孕期并发症 (Additional 额外 )(Max)

50,000 Till Age 45

5 Congenital Anomalies 先天性异常症 (Additional 额外 )(Max)

50,000 Till Age 45

6 Hospital Income for Deliver Baby (Max 3 days & 3 Claims)分娩住院津贴 (最多分娩三次 & 最多住院津贴五天 )

1000 X 3 days = RM 3,000

Till Age 45直到 45 岁

7 Death Due to Child Birth 因分娩死亡 100,000 Till Age 45

8 Facial Reconstructive Due to Accident (Reimbursement basis) 因意外整容费 (额外 ) (Max RM 25,000-00) (Additional 额外 )

25,000 Till Age 100

LADY COMPREHENSIVE PLAN 女性综合保障 :

Only Need to SAVE RM 125 PER MONTH


WAITING PERIOD : 1 YEAR FOR 4,5,6,7

1 Death 忘记呼吸 / TPD 终生全残 / OAD老年行动不便 / 150,000+ Till Age 100直到 100 岁

2 Female Cancer 女性癌症 (Waiting Period : 60 days)(Breast/ Cervix Cancer乳房癌或子宫颈癌 - 等待期 :60 天 )

150,000 Till Age 100直到 100 岁

3 Carcinoma In Situ Of Breast & Cervix 乳房或子宫颈原位恶性肿瘤 (Additional 额外 ) (Max)(Waiting Period等待期 :120 天 ) Passive Cancer

20,000 Till Age 100直到 100 岁

4 Pregnancy Complication 怀孕期并发症 (Additional 额外 )(Max)

50,000 Till Age 45

5 Congenital Anomalies 先天性异常症 (Additional 额外 )(Max)

50,000 Till Age 45

6 Hospital Income for Deliver Baby (Max 3 days & 3 Claims)分娩住院津贴 (最多分娩三次 & 最多住院津贴五天 )

1500 X 3 days = RM 4,500

Till Age 45直到 45 岁

7 Death Due to Child Birth 因分娩死亡 150,000 Till Age 45

8 Facial Reconstructive Due to Accident (Reimbursement basis) 因意外整容费 (额外 ) (Max RM 25,000-00) (Additional 额外 )

25,000 Till Age 100

LADY COMPREHENSIVE PLAN 女性综合保障 :

Only Need to SAVE RM 150 PER MONTH


WAITING PERIOD : 1 YEAR FOR 4,5,6,7

36 Critical IllnessThe Special SensesThe Special Senses

Loss of Speech

Blindness

Deafness

The Nervous SystemThe Nervous System

Benign Brain Tumour

Multiple Sclerosis

Motor Neurone DiseaseEncephalitis

Parkinson's Disease

Bacterial Meningitis

Muscular Dystrophy

Poliomyelitis

Alzheimer's Disease

Appalic Syndrome

Brain Surgery

Systemic Lupus Erythematosus

Cardiovascular SystemCardiovascular System

Pulmonary Arterial Hypertension

Heart Attack

Heart Valve Replacement

Coronary Bypass Surgery

Aorta Surgery

Cardiomyopathy

The LiverThe Liver

Fulminant Viral Hepatitis

Chronic Liver Disease

Chronic & End StageChronic & End Stage

Kidney Failure

Terminal Illness

Chronic Lung Disease

Medullary Cystic Disease

DisabilitiesDisabilities

Stroke

Coma

Paralysis

Loss of Independent ExistenceThe MajorsThe Majors

Major Head Trauma

Major Organ Transplant

Major Burns

CancerCancer

Cancer

Aplastic Anaemia

Do you Know that……..Do you Know that……..

2 out of 1,000 pregnancies2 out of 1,000 pregnancies Are affected by Disseminated Intravascular

Coagulation (Source: Breast Health Information Centre)

1 out of 100 pregnancies1 out of 100 pregnancies are Ectopic Pregnancies

(Source: Breast Health Information Centre)

Down’s Syndrome: Age 20 : 1/1600 Age 20 : 1/1600 Age 35:1/37 Age 45-1/40Age 35:1/37 Age 45-1/40

(Source: SwissRe 1999)


Do you realize that……..Do you realize that……..

Can we ensure good health?

Have you prepared for rainy days?

A woman in Malaysia has a 1 in 191 in 19 chance of getting breast cancer in her lifetime


One in 9 Malaysian women has a chance of developing breast cancer:1 in 141 in 14 for Chinese for Chinese,

1 in 15 1 in 15 for Indiansfor Indians and 1 in 24 1 in 24 for Malaysfor Malays (Source: Breast Health Information Centre)

In Malaysia, Every 3 minutesEvery 3 minutes, one woman is diagnosed with breast cancer


The malignancy with the second highestsecond highest incidence in women in Malaysia is Cervix Cancer

(Source: Malaysian Medical Association)


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