1 | | | | Entry age limit: | Assured/Spouse: 16 - 70 years (renewable to age 75 years) | | Dependent Unmarried Child(ren): 1 month - 18 years (renewable to age 23 years)
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2 | | | | Eligibility: | Malaysian (Occ. Class: 1,2,3 & 4), Foreigners (Occ. Class: 1 & 2 only) | | Premium of higher class will be charged according to the Assured/Spouse's occupation
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3 |
Mode of Premium: Annual & Semi-Annual ( x 0.51) only
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Level Premium at entry age
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Renewal Bonus: of 5% up to 8 years is applicable to Accident Living Benefit in respect of the Assured & dependent
member(s) subject to the Policy limits.
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6 | | | | Sum Assured Limit: | a) | Assured & Spouse are covered at 100% of benefit level
Dependent child(ren) is/are covered at 50% of the Assured benefit level | | b) | An Assured can have max. of 2 policies of My Family PA subject to max. Accident Living
Benefit of RM1.2m on per life basis both as Assured & Assured Spouse (Whole Family Plan).
Normal financial underwriting rules apply. | | c) | Non-working Assured (e.g. housewife, retiree, etc.) can have max. of 2 policies of My Family
PA at max. Accident Living Benefit of RM120,000.
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7 |
No increase in the sum assured within the same policy after inception. Back-dating is not allowed.
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8 | | | | Special risks: | a) | 100% loading on premium on the Assured/Spouse who use motorcycle in the course of his/her duties or works in the timber camp. | | b) | 50% loading on premium for Assured/Spouse who works off shore.
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9 | | | | Excluded Group: | a) | Divers, deep-sea fishermen, miners, tunnellers, workers handling explosives, weapons production workers, labourers in any industry, individual engaging in naval, military or airforce service or operations or any reserve unit or armed force, at height above 3 meters. Crew member or operator of any common carrier and all class 5 risks. | | b) | Pregnant women > 7 months will be postponed until after confinement.
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10 | | | | Conversion Privilege: | | In the event the dismembement benefit of less than 100% is payable under Accident Living Benefit in respect of the Assured, the coverage on the Assured shall terminate on the immediate next renewal date. The spouse/dependent child(ren)'s coverage shall continue to be in force by conversion if the following are received by the Company within 90 days from the date of accident: | | 1) | Request for Change: to convert to another individual policy (new policy no.) | | 2) | Appropriate premiums for spouse & child(ren) | | 3) | Stamp duty of RM10 is required upon conversion | | | |
11 | | | | General Exclusions: | Self-destruction or any such attempt while sane or insane, war or warlike operations, service in the armed force, pregnancy or childbirth, AIDS or HIV infection, bacterial infection, any disease or sickness, professional sports/games, any pre-existing condition etc.
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