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
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** Specifically designed to take care of
female illnesses & hospital income
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Benefit
Lady Care
Benefits
** Designed to take care of
female illnesses + Maternity
benefits + Hospital Income
Lady Care Mother Care
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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
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Definition of Illnesses-Female Illnesses
Female Cancer - CervicFemale Cancer - Cervic
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Colostomy & Cone Biopsy of CervixFemale Illnesses
Colostomy & Cone Biopsy of CervixColostomy & Cone Biopsy of Cervix
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Carcinoma-In-Situ
Carcinoma-In-SituCarcinoma-In-Situ
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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)
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The delivery of a dead child by the Life Assured after 195 days of pregnancy
Still BirthStill Birth
Pregnancy Complication
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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
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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
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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
Congenital Anomalies-Child Diseases
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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
Congenital Anomalies-Child Diseases
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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
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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
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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%
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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
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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
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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)
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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
(Source: Breast Health Information Centre)
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
(Source: Breast Health Information Centre)
The malignancy with the second highestsecond highest incidence in women in Malaysia is Cervix Cancer
(Source: Malaysian Medical Association)
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