QT Nil P 0281201503151442615

Great Eastern Life Assurance (Malaysia) Berhad
(93745-A)
A Life Insurance Benefit Illustration For
murali
Plan Type
SmartProtect Essential Insurance 2
PRESENTED BY : PENANG BRANCH (9999999)

DATE PREPARED : 15/03/2015
Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

Menara Great Eastern,303 Jalan Ampang,50450 Kuala Lumpur Tel : +603 4259 8888 Fax : +603 4259 8000
Date: 15/03/2015
(GELSIS-5.45)
Prepared by : PENANG BRANCH
Quotation for
Plan Type
Client Name
: 0281 SmartProtect Essential Insurance 2

: Regular Premium Investment-Linked Insurance Plan
: murali
Benefits Provided:
Death Benefit
Lump sum (all causes)
Total & Permanent Disability (TPD)

Benefit
Lump sum
Income
Amount:
RM 50,000 plus
Additional Sum
Assured plus Total
Investment Value
Accident Benefit
Benefits Provided:
Female Illnesses Benefit
Lady Benefit
Pregnancy & Neonatal Benefit / Infant

Coverage
RM 50,000 plus
Additional Sum
Assured, subject to a
maximum of
RM2,000,000
Not Applicable
Covered Event Benefit

Early payout in lump sum
Lump sum
Gender
Smoker
Age Next Birthday
Occupation Class
Premium Mode
Not Applicable
RM 30,000
: Male
: No
: 27
:2
: Monthly
Amount:
Not Applicable
Not Applicable
Medical Benefit (1) - SmartMedic
Room & Board (R&B) Limit

Increase to the Hospital R&B Limit at
the end of every 3rd policy year
Medical Reimbursement:
I) Hospital and Surgical Benefit
II) Outpatient Treatment Benefit
Reimbursement up to:
RM 40,000 plus
Renewal Incentive
plus Compassionate
Allowance
Accidental Death (in public conveyance) RM 70,000 plus
I) Initial Overall Annual Limit
Renewal Incentive
plus Compassionate
Allowance
Accidental TPD
II) Overall Lifetime Limit
RM 30,000 plus
Renewal Incentive
Accidental Dismemberment
Increase to Initial Overall Annual Limit
Up to RM 30,000 plus
at the end of every 3rd policy year
Renewal Incentive
Accidental Medical Reimbursement
Overall Annual Limit
RM 750 per accident
from accident rider(s)
plus additional RM
3,000 per year from
SM150
Accidental Income:
Medical Benefit (2) - Smart Extender
I) Temporary Total Disability
Deductible Amount (per policy year)
RM 225 per week
II) Temporary Partial Disability
Room & Board (R&B) Limit
RM 52.50 per week
III) Confinement in Government Hospital RM 90 per week
Medical Reimbursement:
Compassionate Allowance
I) Hospital and Surgical Benefit
RM 1,500
Renewal Incentive
II) Outpatient Treatment Benefit
RM 1,500 per year up
to a maximum of 50%
of the original sum
assured
Reimbursement up to:
Hospitalisation Income Benefit
Normal Ward Confinement
I) Overall Annual Limit
Up to RM 50 per day
ICU Confinement
II) Overall Lifetime Limit
Up to RM 100 per day
Confinement in Government Hospital
RM 50 per day
Payer Benefit
(all causes)
Death Benefit / TPD Benefit
RM 150
Not Applicable
As charged (subject to
10% co-insurance up
to maximum of RM
500; if upgrade R&B,
20% co-insurance with
a maximum cap of RM
3,000)
As charged (subject to
10% co-insurance)
Accidental Death
Waiver Benefit
TPD Benefit
PENANG BRANCH / 9999999 / (GELSIS-5.45)
RM 90,000
RM 900,000
RM 9,000
Total of Initial Overall
Annual Limit and any
cumulative increase to
the Initial Overall
Annual Limit
Not Applicable
Not Applicable
Not Applicable
Not Applicable
Not Applicable
Not Applicable
Not Applicable
Not Applicable
RM 2,400 per year
RM 2,400 per year
Page 2 of 51
Note: Please refer to the policy contract, sales illustration and Product Disclosure Sheet for more information about the benefits of
the basic plans and its optional riders.
Page 3 of 51
PLAN DESCRIPTIONS:
SmartProtect Essential Insurance 2 is a regular premium investment-linked insurance plan with access to professionally
managed Unit Funds with the benefit of insurance coverage. Although some of the choice of funds invest in Shariahapproved securities, SmartProtect Essential Insurance 2 is not a Shariah-compliant product.
Premiums paid are used to purchase units in the Unit Fund(s). The policy value of this plan will vary directly with the
performance of the Unit Fund(s).
This plan provides you benefits in the event of death or Total and Permanent Disability (TPD). In addition, this plan also give
you 1% additional sum assured every year at no cost, which will be payable in the event of death or TPD, subject to relevant
terms and conditions.
There is no maturity or expiry date for this plan. However, termination of this plan shall be subject to the terms and
conditions stipulated in the policy contract. For illustration calculation purpose, the policy term is by default 99 years minus
age at entry.
Basic Plan and Rider(s),
if any
Basic Annual Premium #
Insurance Premium
Term
(Years)
72
Benefit Amount
(RM)
50,000
Annualised
Premium ^
(RM)
2,400.00
Extra Mortality
(%)
0%
Loading (RM
Per 1,000)
0.00
Extra
Premium
(RM)
Monthly
Premium ^
(RM)
0.00
200.00
Unit deduction rider(s)

U100 IL CIBR
72
30,000
0.00
0%
0.00
0.00
0.00
U66 SM150
53
150
0.00
0%
0.00
0.00
0.00
U75 IL HB
53
50
0.00
0%
0.00
0.00
0.00
U74 IL CABX
43
30,000
0.00
0%
0.00
0.00
0.00
U102 IL PWE
72
2,400
0.00
0%
0.00
0.00
0.00
Total (RM)
2,400.00
0.00
200.00
^ All premium payable by a business organization other than Great Eastern Life Assurance (Malaysia) Berhad, are subject to the
prevailing government service tax.
# Basic Annual Premium comprises Insurance Premium.
For unit deduction rider(s), the coverage for these riders is paid from the Basic Annual Premium.
IMPORTANT:
THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A
PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.
You should read this illustration together with the fund fact sheet(s) of the Unit Fund(s) which you have chosen. The fund fact
sheet contains all the important information that you will need to know regarding the Unit Fund(s).
Since only 43% of the Insurance Premium for the first two policy years is used to purchase units, while 95% of Top-Ups is used
to purchase units, you can maximize your investment value by minimizing your Basic Annual Premium and maximizing your
Top Ups.
Minimum Basic Annual Premium Required*
: RM1,200.00
Minimum Single Premium Top-Ups Allowed*
: RM1,000.00
* This is the minimum amount that you can purchase. Please note that the amount purchased may be subject to further
adjustments in accordance to regulatory guidelines.
Therefore, if your purchase involves a premium of sizeable amount say RM 5,000 and above, you should consider purchasing
a single premium investment-linked insurance policy (rather than a regular premium policy) as single premium plans offer
better allocation rates for investment. However, please take note that single premium plans may not offer as much insurance
protection as regular premium plans and may have less riders attachable.
Subject to No-Lapse Guarantee, your investment-linked insurance policy will lapse / terminate if there is not enough units in
your fund(s) to pay the charges. Your units may not be enough over the years due to: High insurance charges if you buy too much coverage (i.e high Basic Sum Assured or too many riders), and especially if the
charges are increasing over time as you get older.
Poor investment returns.
Premium holiday - i.e. if you stop paying premiums for a long period of time.
WARNING
YOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE
ACCUMULATED FUND VALUE IS NOT ENOUGH TO PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT
RETURNS, WHICH WILL RESULT IN YOUR POLICY BEING CANCELLED, UNLESS NO-LAPSE GUARANTEE APPLIES. YOU
MAY NEED TO INCREASE YOUR PREMIUMS OR REDUCE THE LEVEL OF INSURANCE PROTECTION, IF YOU WANT TO
MAINTAIN YOUR POLICY.*
*You should ask your agent to explain to you about the insurance charges and its effect on your future insurance coverage.
SUMMARY ILLUSTRATION:
This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of fees
and charges on cash values based on illustration below.
The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your
chosen Unit Fund(s). They are not guaranteed and not based on past performance.
Actual returns of the fund(s) will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund(s) invests
in.
The actual returns may even be below the projected rates or negative.
Page 4 of 51
Investment Strategy Selected

Investment Horizon
: 27 Very Dynamic(Islamic Funds) ^

: 72 Years
Your Investment Strategy is determined after following through the steps as in the 5-step Guide to choosing the right
investment strategy. Investors are broadly classified to 6 categories based on their risk aptitude, ranging from very secure type
of investor to very dynamic type of investor. Besides the standard strategies, you can also choose your own Investment
Strategy that best suits your risk profile.
You should satisfy yourself that the Investment Horizon selected is reasonable in achieving your financial goal.
Projected Gross Investment Return #
Y%
X%
Policy Year 1-20
Policy Year 21-30
Policy Year 1-30
Unit Fund(s) Selected

F1
F4
F5
F6
F9
F17
F18
Lion Balanced Fund

Lion Fixed Income Fund
Lion Progressive Fund
Dana Sejati
Lion Strategic Fund
Lion Enhanced Equity Fund
Dana Gemilang
Policy Year
From
To
1
67
68
69
70
71
72
8%
7%
8%
7%
8%
9%
9%
F1
F4
66
67
68
69
70
71
72
5.50%
5.00%
5.50%
5.00%
5.50%
6.00%
6.00%
F5
Unit Fund(s) Selected

F6
3%
4%
3%
4%
3%
2%
2%
F9
F17
F18
100%
80%
60%
40%
30%
20%
10%
20%
40%
60%
70%
80%
90%
Weighted Projected Gross Investment Return X% and Y%

Policy Year
From
To
1
20
21
30
^Please refer to Important Notes for your investment profile.
#Before deduction for tax and fund management charge
Weighted Projected Gross Investment Return #

Y%
X%
9.00
6.00
2.00
2.00
Page 5 of 51

Date: 15/03/2015
(GELSIS-5.45)
Illustration of Expected Benefits for Basic Plan and Rider(s), if any
Not Guaranteed
End of
Policy
Year
Age at End Total Premium

of Policy
Paid
Year
Net Projected Investment Return

of Fund: Y%#
Cash Value
Death Benefit
Rider(s)
Net Projected Investment Return

of Fund: X%#
Cash Value
IL CIBR
SM150
IL HB
IL CABX
IL PWE
Death Benefit
28
2,400.00
352
50,352
340
50,340
30,000
150
50
30,000
2,400
29
4,800.00
728
51,228
682
51,182
30,000
150
50
31,500
2,400
30
7,200.00
1,936
52,936
1,804
52,804
30,000
150
50
33,000
2,400
31
9,600.00
3,224
54,724
2,928
54,428
30,000
150
50
34,500
2,400
32
12,000.00
4,808
56,808
4,258
56,258
30,000
150
50
36,000
2,400
33
14,400.00
6,495
58,995
5,589
58,089
30,000
150
50
37,500
2,400
34
16,800.00
8,666
61,666
7,280
60,280
30,000
150
50
39,000
2,400
35
19,200.00
10,979
64,479
8,973
62,473
30,000
150
50
40,500
2,400
36
21,600.00
13,445
67,445
10,667
64,667
30,000
150
50
42,000
2,400
10
37
24,000.00
16,050
70,550
12,342
66,842
30,000
150
50
43,500
2,400
11
38
26,400.00
18,820
73,820
14,009
69,009
30,000
150
50
45,000
2,400
12
39
28,800.00
21,762
77,262
15,667
71,167
30,000
150
50
45,000
2,400
13
40
31,200.00
24,888
80,888
17,316
73,316
30,000
150
50
45,000
2,400
14
41
33,600.00
28,201
84,701
18,946
75,446
30,000
150
50
45,000
2,400
15
42
36,000.00
31,629
88,629
20,476
77,476
30,000
150
50
45,000
2,400
16
43
38,400.00
35,261
92,761
21,984
79,484
30,000
150
50
45,000
2,400
17
44
40,800.00
39,108
97,108
23,466
81,466
30,000
150
50
45,000
2,400
18
45
43,200.00
43,182
101,682
24,921
83,421
30,000
150
50
45,000
2,400
19
46
45,600.00
47,491
106,491
26,341
85,341
30,000
150
50
45,000
2,400
20
47
48,000.00
51,961
111,461
27,639
87,139
30,000
150
50
45,000
2,400
21
48
50,400.00
55,237
115,237
28,897
88,897
30,000
150
50
45,000
2,400
22
49
52,800.00
58,589
119,089
30,105
90,605
30,000
150
50
45,000
2,400
23
50
55,200.00
62,021
123,021
31,263
92,263
30,000
150
50
45,000
2,400
24
51
57,600.00
65,528
127,028
32,363
93,863
30,000
150
50
45,000
2,400
25
52
60,000.00
68,730
130,730
33,030
95,030
30,000
150
50
45,000
2,400
26
53
62,400.00
71,987
134,487
33,627
96,127
30,000
150
50
45,000
2,400
27
54
64,800.00
75,299
138,299
34,151
97,151
30,000
150
50
45,000
2,400
28
55
67,200.00
78,684
142,184
34,618
98,118
30,000
150
50
45,000
2,400
29
56
69,600.00
82,120
146,120
35,004
99,004
30,000
150
50
45,000
2,400
30
57
72,000.00
85,392
149,892
35,094
99,594
30,000
150
50
45,000
2,400
# Refer to table "Weighted Projected Gross Investment Return X% and Y%" for details.
NOTES: -
1. IL CIBR
:IL Critical Illness Benefit Rider
SM150
:SmartMedic 150
IL HB
:IL Hospitalisation Benefits Rider
IL CABX
:IL Comprehensive Accident Benefits Xtra Rider
IL PWE
:IL Premium Waiver Extra Rider
2.Benefit(s) under the rider(s) is payable only if the basic plan and the rider(s) are in force.
3.This illustration must be read in accordance with the full notes as appeared in the section on Important Notes.
4.All figures presented are in RM. (E&OE)
5.The projected investment returns shown above is net of tax and all applicable charges.
Page 6 of 51

Date: 15/03/2015
(GELSIS-5.45)
Illustration of Expected Benefits under net projected investment return of X% and Y% assumption #
Not Guaranteed
End of
Policy
Year
Age at
End of
Policy
Year
(A)
(B)
(C)
(D)
(E)
(F)
Premium
Paid
Unallocated
1
Premium
Allocated
Premium
Basic Sum
Assured
Additional
Sum
Assured
(G)
Insurance Charge
Basic Plan
(H)
(I)
(J)
(K) = (D)+(E)+(J)
(L)
Policy Fee
Fund Management
Charge
Net Cash Value
Death Benefit
Direct
Distribution
2
Cost
Rider(s)
Y%
X%
Y%
X%
Y%
X%
28
2,400.00
1,368.00
1,032.00
50,000
66.96
552.84
72
352
340
50,352
50,340
840.00
29
2,400.00
1,368.00
1,032.00
50,000
500
66.96
553.44
72
728
682
51,228
51,182
840.00
30
2,400.00
576.00
1,824.00
50,000
1,000
66.96
567.36
72
19
19
1,936
1,804
52,936
52,804
600.00
31
2,400.00
576.00
1,824.00
50,000
1,500
66.96
568.55
72
36
35
3,224
2,928
54,724
54,428
600.00
32
2,400.00
360.00
2,040.00
50,000
2,000
66.96
583.91
72
56
54
4,808
4,258
56,808
56,258
360.00
33
2,400.00
360.00
2,040.00
50,000
2,500
66.96
587.16
72
79
73
6,495
5,589
58,995
58,089
360.00
34
2,400.00
0.00
2,400.00
50,000
3,000
66.96
591.53
72
106
96
8,666
7,280
61,666
60,280
0.00
35
2,400.00
0.00
2,400.00
50,000
3,500
66.96
596.28
72
138
121
10,979
8,973
64,479
62,473
0.00
36
2,400.00
0.00
2,400.00
50,000
4,000
66.96
600.04
72
171
146
13,445
10,667
67,445
64,667
0.00
10
37
2,400.00
0.00
2,400.00
50,000
4,500
66.96
626.21
72
207
171
16,050
12,342
70,550
66,842
0.00
11
38
2,400.00
0.00
2,400.00
50,000
5,000
72.48
633.37
72
244
196
18,820
14,009
73,820
69,009
0.00
12
39
2,400.00
0.00
2,400.00
50,000
5,500
77.52
642.63
72
284
221
21,762
15,667
77,262
71,167
0.00
13
40
2,400.00
0.00
2,400.00
50,000
6,000
83.52
651.84
72
327
245
24,888
17,316
80,888
73,316
0.00
14
41
2,400.00
0.00
2,400.00
50,000
6,500
90.48
669.10
72
372
270
28,201
18,946
84,701
75,446
0.00
15
42
2,400.00
0.00
2,400.00
50,000
7,000
99.00
766.06
72
419
293
31,629
20,476
88,629
77,476
0.00
16
43
2,400.00
0.00
2,400.00
50,000
7,500
108.96
783.44
72
468
316
35,261
21,984
92,761
79,484
0.00
17
44
2,400.00
0.00
2,400.00
50,000
8,000
121.44
801.77
72
520
338
39,108
23,466
97,108
81,466
0.00
18
45
2,400.00
0.00
2,400.00
50,000
8,500
136.44
818.80
72
576
360
43,182
24,921
101,682
83,421
0.00
19
46
2,400.00
0.00
2,400.00
50,000
9,000
153.96
841.66
72
634
381
47,491
26,341
106,491
85,341
0.00
20
47
2,400.00
0.00
2,400.00
50,000
9,500
173.04
948.23
72
696
401
51,961
27,639
111,461
87,139
0.00
21
48
2,400.00
0.00
2,400.00
50,000
10,000
194.04
972.42
72
769
420
55,237
28,897
115,237
88,897
0.00
22
49
2,400.00
0.00
2,400.00
50,000
10,500
217.44
1,002.60
72
817
438
58,589
30,105
119,089
90,605
0.00
23
50
2,400.00
0.00
2,400.00
50,000
11,000
242.04
1,032.39
72
865
456
62,021
31,263
123,021
92,263
0.00
24
51
2,400.00
0.00
2,400.00
50,000
11,500
268.44
1,067.60
72
915
473
65,528
32,363
127,028
93,863
0.00
25
52
2,400.00
0.00
2,400.00
50,000
12,000
297.96
1,474.42
72
963
485
68,730
33,030
130,730
95,030
0.00
26
53
2,400.00
0.00
2,400.00
50,000
12,500
330.48
1,513.49
72
1,009
495
71,987
33,627
134,487
96,127
0.00
27
54
2,400.00
0.00
2,400.00
50,000
13,000
366.48
1,552.21
72
1,056
503
75,299
34,151
138,299
97,151
0.00
28
55
2,400.00
0.00
2,400.00
50,000
13,500
407.04
1,570.88
72
1,104
510
78,684
34,618
142,184
98,118
0.00
29
56
2,400.00
0.00
2,400.00
50,000
14,000
450.00
1,611.00
72
1,153
517
82,120
35,004
146,120
99,004
0.00
30
57
2,400.00
0.00
2,400.00
50,000
14,500
495.48
1,861.20
72
1,201
520
85,392
35,094
149,892
99,594
0.00
# Refer to table "Weighted Projected Gross Investment Return X% and Y%" for details.
1. This represents a charge to your premium and is used to meet the direct distribution cost and Company's expenses.
2. Cost directly attributable to the distribution channel for the marketing of this policy, i.e. payments to your agent. This cost is paid from the charges that are imposed on your policy for services that your agent will provide
to you for the duration of your policy. Note also that production bonus (5% of the first year premium) and persistency bonus (5% of the second year premium) are payable provided your agent meets the qualifying criteria
set by the Company.
3. The projected investment returns shown above is net of tax and all applicable charges.
NOTES: 1. The projected benefits shown above are for illustration purpose only and are NOT GUARANTEED.
Page 7 of 51
2. The value of the Unit Fund(s) may fall below the amount of premiums paid, depending on the performance of the underlying assets.
3. Past actual performance is NOT a guide to future performance which may be different.
4. The illustrated life insurance charges and other charges are based on current levels. These may be varied from time to time.
5. Where "N/A" is shown in the above illustration, this indicates that there is no insurance charges and benefit coverage for the rider(s).
6. Where "-" is shown in the above illustration, this indicates that the policy has lapsed under the projected investment returns of X% and Y% respectively, as indicated in the respective column headers. As a result, this
means that all forms of benefits (cash value, death benefit, etc) will not be applicable. Where columns do not mention whether X% or Y% applies, the projected lapse of the policy is based on the projected investment
return of Y%. Please note that these outcomes are based on the assumed investment returns, premiums paid and charges. The benefits may vary, and subject to No-Lapse Guarantee, the policy may lapse earlier or later
depending on actual investment returns, premiums paid and charges
7. Your insurance charges will increase according to your attained age next birthday and, may then result in higher insurance charges as compared to your allocated premium at any point during your policy is in force.
However, as the insurance coverage may vary over time, the insurance charges maybe higher or lower than your allocated premium, and maybe earlier or later than the above illustration.
8. This illustration must be read in accordance with the full notes as appeared in the section on Important Notes.
9. All figures presented are in RM. (E&OE)
Page 8 of 51
** IMPORTANT NOTES
GENERAL INFORMATION
The information set out below forms part of your Sales Illustration.
Great Eastern Life Assurance (Malaysia) Bhd ("Company") believes it is important that you fully appreciate all the benefits under
your policy and that you also understand how the cost of the insurance protection, distribution, administration, investment and
other costs affect these benefits.
You should satisfy yourself that the plan serves your needs and that you can afford the premium. If you need clarification, please
contact us or your agent.
Buying a regular premium life insurance policy is a long-term commitment. It is not advisable to hold this policy for a short period
of time in view of the high initial costs.
The information set out below explains the individual items in the Sales Illustration table.
PROJECTED INVESTMENT RATE OF RETURN
The returns of X% and Y% have been used respectively to represent the range of possible returns on your chosen Unit Fund(s),
as shown in earlier pages.
These rates of returns are used purely for illustration purposes only, and do not represent the upper and lower limit of the actual
rate that may occur. The illustrated returns shown have been used to represent the range of possible returns based on your
Investment Strategy and Investment Horizon.
The performance of the Unit Fund(s) is NOT GUARANTEED and the values of the Unit Fund(s) may fall below the amount of
premiums paid, depending on the performance of the underlying assets of the Unit Fund(s). The actual benefits payable will
depend on the actual performance of the underlying assets of the Unit Fund(s) and the actual returns may be less or more than
the values illustrated.
The investment risks under the policy are to be borne solely by the policy owner. The policy owners must be aware that the unit
prices may fall as well as rise.
Below is the historical actual annual investment returns of the Unit Fund(s) compared with the selected benchmark indices for
the Unit Fund(s)
Actual Investment Returns
Unit Fund(s)
2009
2010
2011
2012
2013
F1 Lion Balanced Fund
29.29%
18.15%
6.62%
8.52%
22.03%
F4 Lion Fixed Income Fund
4.23%
7.22%
6.78%
5.39%
3.23%
F5 Lion Progressive Fund
33.20%
18.19%
8.21%
10.64%
14.86%
F6 Dana Sejati^^
3.66%
8.42%
7.02%
6.44%
3.19%
F9 Lion Strategic Fund
27.57%
19.75%
6.49%
9.28%
14.77%
F17 Lion Enhanced Equity Fund
n/a
*
12.14%
14.11%
29.16%
F18 Dana Gemilang
n/a
*
5.61%
13.14%
27.77%
^^ formerly known as Mauzuun Bond Fund
* Incomplete year
Benchmark Returns
Unit Fund(s)
Benchmark
2009
2010
2011
2012
2013
Weighted
22.50%
12.00%
2.69%
6.41%
7.33%
Benchmark
F4 Lion Fixed Income Fund
12 months FD
2.70%
2.80%
3.07%
3.21%
3.20%
F5 Lion Progressive Fund
FBM 100*
45.60%
21.80%
1.94%
9.60%
11.39%
F6 Dana Sejati^^
12 months
2.80%
2.80%
3.09%
3.21%
3.21%
Mudharabah
Deposit
F9 Lion Strategic Fund
Weighted
22.50%
12.00%
2.69%
6.41%
7.33%
Benchmark
F17 Lion Enhanced Equity
FBM 100
48.00%
21.80%
1.94%
9.60%
11.39%
Fund
F18 Dana Gemilang
FBM Shariah
43.00%
18.20%
2.41%
11.85%
13.29%
where
FBM 100*
: FTSE Bursa Malaysia 100 Index (The yearly returns prior to July 2009 were based on KLCI)
FBM 100
: FTSE Bursa Malaysia 100 Index
FBM Shariah
: FTSE Bursa Malaysia Emas Shariah Index
12 months FD
: 12 months Fixed Deposit Benchmark
12 months Mudharabah Deposit : 12 months Mudharabah Deposit
Weighted Benchmark
: 50-50 weighted average index between FBM 100 and 12 months FD rates (The yearly
return prior to July 2009 comprise if a 50-50 weighted average index between KLCI and 12
months FD rates
Please note that the historical actual annual returns of the Unit Fund(s) are not available for new fund(s).
The actual investment returns shown above are on a net basis (net of tax and charges) and do not take into account the
bid/offer spread if any, nor any charges that may be levied.
Past actual performance is NOT a guide to future performance which may be different.
Note that the rates of return referred to above is calculated based on the investment in the specified Unit Fund(s) and not to the
premiums paid under this policy.
Page 9 of 51
Description of Fund Objectives

A fund which invests in a mixture of equities (ranging from 40% to 60%) and fixed income securities.
This fund seeks to provide medium to long-term capital appreciation, with a moderate level of
volatility.
F4 Lion Fixed Income
A fund which invests in fixed income securities like government and corporate bonds (ranging from
Fund
40% to 95%) with the balance invested in cash and cash equivalent. This fund seeks to provide
consistent return at low levels of volatility.
F5 Lion Progressive
A fund which invests in a mixture of equities (ranging from 50% to 90%) and fixed income securities.
Fund
This fund seeks to provide medium to long-term capital appreciation, with a moderate-to-high level of
volatility.
F6 Dana Sejati
A fund which invests in Shariah approved debt securities, for example government and corporate
sukuk (ranging from 40% to 95%) with the balance invested in Islamic money market papers/deposits.
This fund seeks to provide consistent return at low levels of volatility.
F9 Lion Strategic Fund A fund which invests in a mixture of equities, fixed income securities and money market instruments.
There is flexibility in asset allocation as this fund may invest solely in fixed income securities or
equities. This fund seeks to provide medium to long-term capital appreciation, with a moderate level of
volatility.
F17 Lion Enhanced
A fund where 80% to 100% of the investments are in equities, which may be volatile in the short term.
Equity Fund
This fund seeks to achieve medium to long-term capital appreciation. Although the fund invests mainly
in Malaysia (50% to 100%), it may also partially invest in Singapore (up to 25%) and Hong Kong (up
to 25%), if and when necessary, to enhance the funds returns.
F18 Dana Gemilang
A fund where 80% to 100% of the investments are in equities, which may be volatile in the short term.
This fund seeks to achieve medium to long-term capital appreciation. Although the fund invests mainly
in Malaysia (50% to 100%), it may also partially invest in Singapore (up to 25%) and Hong Kong (up
to 25%), if and when necessary, to enhance the funds returns. The fund only invests in Shariahapproved securities.
The choice of Unit Fund(s) should be based on, among others, your tolerance to risk. Please seek advise from your agent or us
on your tolerance to risk
PREMIUMS PAID
This is the amount that you (the policy owner) pay for this policy. Take note that not all of the amount paid will be invested into
the Unit Fund(s) you selected. See explanation on unallocated and allocated premium below
UNALLOCATED PREMIUM
The unallocated premium charge is an upfront charge on the premium paid and is used to meet the insurer's expenses and
direct distribution cost, including the commissions payable to the agent.
Your agent may also be entitled to production and persistency bonuses during the first two years of the policy provided that your
agent meets the qualifying criteria set by the Company.
ALLOCATED PREMIUM
This is the amount that will be used to purchase units at Net Assest Value (NAV) in the Unit Fund(s) which you selected.
Net Asset Value (NAV) : NAV is the single price at which the policy owner purchase the units in an Unit Fund(s) and sell the units
back to the Unit Fund(s).
The NAV of each Unit Fund(s) is determined daily after the valuation of the assets of the Unit Fund(s).
The allocation rates for Basic Annual Premium are as follows (as a % of premiums) :Policy Year
1
2
3
4
5
6
7 & onwards
Insurance Premium
2,400.00
2,400.00
2,400.00
2,400.00
2,400.00
2,400.00
2,400.00
Allocated
(%)
43.00%
43.00%
76.00%
76.00%
85.00%
85.00%
100.00%
Premium
1,032.00
1,032.00
1,824.00
1,824.00
2,040.00
2,040.00
2,400.00
(RM)
.
The allocation rates for Single Premium Top-Ups is 95% of premium paid for all years.
BASIC SUM ASSURED
This is the minimum amount to be received on death or when you become disabled
The policy owner may increase the basic sum assured without increasing the regular premium, subject to the terms and
conditions to be determined by the Company at the time.
CHARGES
These charges are taken out from your Unit Fund(s).
The illustrated insurance charges and other charges are based on current levels. These are not guaranteed and may be varied
from time to time by giving 3 months notice to policy owners. For Medical and Health Insurance plan/rider, a 30-day notice will be
given for any upward revision on the charges.
Insurance charges are deducted monthly from the value of your units to pay for your insurance coverage. The insurance charge
for insurance coverage varies by the attained age next birthday, gender, occupation class, medical rating and smoking status,
where applicable. The insurance charges will increase as you grow older.
Depending on the Basic Sum Assured, the Insurance Charge for the Basic Plan shall be discounted as follows:
a) For Basic Sum Assured from RM100,000 to RM249,999, you will enjoy 10% discount on the Insurance Charge for the Basic
Plan;
b) For Basic Sum Assured from RM250,000 to RM499,999, you will enjoy 15% discount on the Insurance Charge for the Basic
Plan;
c) For Basic Sum Assured from RM500,000 and above, you will enjoy 20% discount on the Insurance Charge for the Basic Plan.
Note: The said discount shall not apply to the extra Insurance Charge imposed due to Extra Mortality and/or Loading of the Basic
Plan.
Other Charges: In this illustration, the following charges have been assumed:PENANG BRANCH / 9999999 / (GELSIS-5.45)
Page 10 of 51
(a) Policy Fee

(b) Fund Management Charge
: An administration charge of RM6 will be deducted monthly from the Unit Fund(s).
: This refers to the annual management fee (% of Unit Fund(s)) deducted to cover the cost of
managing the Unit Fund(s).
Unit Fund(s)
Fund Management Charge (per
annum)
F1
Lion Balanced Fund
1.00%
F4
Lion Fixed Income Fund
0.50%
F5
Lion Progressive Fund
1.35%
F6
Dana Sejati
0.50%
F9
Lion Strategic Fund
1.25%
F17
Lion Enhanced Equity Fund
1.50%
F18
Dana Gemilang
1.50%
CASH VALUE
This is the projected value of units at any particular point in time that you may receive if you surrender the policy and is net of tax
and all applicable charges
If the policy is terminated early, you may get less than the amount of premiums paid.
This plan does NOT offer any guaranteed minimum surrender value or maturity benefit and subject to No-Lapse Guarantee, the
policy may lapse early depending on the actual investment returns and charges.
The Company reserves the right, in circumstances it considers exceptional, to suspend creation or cancellation of units.
DEATH BENEFIT
This is the amount that will be payable on your death.
While the policy is inforce and subject to its terms and conditions, in the event of death of the life assured, the following will be
payable as Death Benefit:
(i) Basic Sum Assured; plus
(ii) Additional Sum Assured; plus
(iii) the total values of the Unit Fund(s), if any, which is calculated at NAV on the next valuation date.
For person covered below age 5 years next birthday, a child lien as follows shall apply to the Basic Sum Assured and Additional
Sum Assured: Age Next Birthday on Policy Anniversary
1
2
3
4
Percentage (%) of Basic Sum Assured & Additional Sum Assured
20%
40%
60%
80%
Full cover will be given from age 5 next birthday onwards.
TOTAL AND PERMANENT DISABILITY (TPD) BENEFIT
While the policy is inforce and subject to its terms and conditions, in the event of Total and Permanent Disability prior to the
policy anniversary on which the life assured attains age 70 years next birthday, the Company will advance the Basic Sum
Assured as follows: (i) the Basic Sum Assured and Additional Sum Assured not exceeding RM 2,000,000 shall be paid in 3 annual instalments with
the first being a lump sum of the Basic Sum Assured and Additional Sum Assured or RM1,000,000, whichever is lesser, and
(ii) the balance of the Basic Sum Assured and Additional Sum Assured (if any) will be payable in two equal, annual instalments
of maximum RM500,000 each.
The maximum TPD Benefit payable under this and all insurance policies (including riders) on the same life assured, is
RM3,500,000 per life across all distribution channels.
For life assured below age 5 years next birthday, a child lien as per Death Benefit shall apply. This is further subject to a
maximum TPD Benefit of RM500,000 payable under this and all insurance policies (including riders) on the same life assured.
NO-LAPSE GUARANTEE
The basic policy and its attaching optional riders (if any) will not lapse within the first three policy years if the total investment
value is less than or equal to zero on the monthly deduction date of the policy fee and insurance charge, provided that
(i) all regular premiums of the policy due prior to such monthly deduction date have been paid on each premium due date or
during the Grace Period; and
(ii) there has not been any withdrawal of any units prior to such monthly deduction date.
EXCLUSIONS
Death during the first policy year as a result of suicide, while sane or insane.
TPD resulting from self-inflicted injuries, while sane or insane.

Note: The above list of exclusions is appliable for basic plan only and is non-exhaustive. Please refer to your policy for the full list
of exclusions under the basic plan and rider(s), if any.
RIDER(S) DESCRIPTION
U66 SmartMedic (SM150)
SmartMedic is a unit deduction rider that provides coverage for hospitalisation and surgical expenses incurred due to illness or
accidental injury.
It comes with a unique product feature where the Initial Overall Annual Limit will be increased at the end of every third(3rd) policy
year starting from the risk effective date of SmartMedic provided that no claim has been made during the immediate preceding 3
policy years.
U74 IL Comprehensive Accident Benefits Xtra Rider (IL CABX)
IL Comprehensive Accident Benefits Xtra Rider is a unit deduction rider that provides coverage in the event of death, Total and
Permanent Disability (TPD), permanent or temporary disability, caused solely and directly from accident. In addition, it also
reimburses medical expenses and provides weekly indemnity benefit for hospitalisation in Malaysian government hospital.
Page 11 of 51
It also comes with renewal incentive where the sum assured of this rider will be increased by 5% of original sum assured every
year up to a maximum of 150% of the original sum assured.
U75 IL Hospitalisation Benefits Rider (IL HB)
IL Hospitalisation Benefits Rider is a unit deduction rider that provides daily cash benefit for admission in a hospital room and
board or double daily cash benefit for admission in Intensive Care Unit.
U100 IL Critical Illness Benefit Rider (IL CIBR)
IL Critical Illness Benefit Rider is a unit deduction rider that provides coverage in the event of occurrence of any one of the
covered events to the life assured. This rider will accelerate the sum assured of the basic plan, subject to the terms and
conditions stated in the policy contract.
U102 IL Premium Waiver Extra Rider (IL PWE)
IL Premium Waiver Extra Rider is a unit deduction rider that waives premiums in the event of Total and Permanent Disability
(TPD) or occurrence of any one of the covered events (except for Angioplasty And Other Invasive Treatments For Major
Coronary Artery Disease) to the life assured, whichever occurs first, subject to the terms and conditions stated in the policy
contract.
Important Notice: We would like to bring to your attention that the Financial Services Act 2013 (FSA 2013), has come into force on
30th June 2013 replacing the Insurance Act 1996 (IA 1996). In the circumstances, all references to the provisions of IA 1996 presently
appearing in the proposal or other forms, supplementary questionnaires, policy contracts or other documents issued by the Company,
will upon the enforcement of the FSA 2013 or its specific schedules (as applicable), be superseded by the equivalent or relevant
provision of the FSA 2013, in the manner prescribed by the FSA 2013.
If there is any discrepancy between the English, Bahasa Malaysia and Chinese versions of this document, the English version shall
prevail.

Date : 15/03/2015
Page 12 of 51
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Product Disclosure Sheet
Notes: Please read this Product Disclosure Sheet before you decide to take up SmartProtect Essential Insurance 2. Be sure to also
read the general terms and conditions.
Name of Financial Service Provider
: Great Eastern Life Assurance (Malaysia) Berhad (93745-A) ("the Company")
Name of Product
: SmartProtect Essential Insurance 2
Date
: 15/03/2015
__________________________________________________________________________________________________________
1.
What is this product about?

SmartProtect Essential Insurance 2 is an investment-linked insurance plan ("ILP") that offers a combination of insurance
protection and investment.
It also comes with an additional 1% sum assured at no additional cost, which will be payable in the event of death or Total and
Permanent Disability ("TPD"), subject to the terms and conditions.
2.
What are the covers / benefits provided?

The basic sum assured for this plan is RM 50,000. The basic sum assured plus additional sum assured will be payable upon:
Death; or
Total and Permanent Disability (TPD) before age 70 years next birthday,
whichever occurs first, subject to the terms and conditions in the policy contract. However, if Death or TPD occurs before age 5
years next birthday, a child lien shall apply.
Value of the investment units (if any) will be payable together with basic sum assured upon death.
This plan offers No-Lapse Guarantee where the basic policy and its attaching optional riders (if any) will not lapse within the first
three policy years if the total investment value is less than or equal to zero on the monthly deduction date of the policy fee and
insurance charge, provided that
all regular premiums of the policy due prior to such monthly deduction date have been paid on each premium due date or
during the Grace Period; and
there has not been any withdrawal of any units prior to such monthly deduction date.
The value of the ILP depends on the price of underlying units, which in turn depends on the performance of your chosen fund(s).
The fund(s) that you have chosen are stated in the sales illustration.
Reminder: Please read the sales illustration which includes product benefits and objectives of the unit fund(s). It is important to
select a plan or a combination of fund(s) that suit your financial goals and risk profile.
3.
How much premium do I have to pay?
The estimated premium for this plan that you have to pay: RM200.00 Monthly
Notes:
(a) The premium that you have to pay and the policy terms may vary depending on the underwriting requirements of the
Company.
(b) The Company allocates a portion of the premium to purchase units in the unit fund(s) that you have chosen. Any unallocated
amount will be used to pay commissions to agents and other expenses of the Company. You are advised to refer to the
allocation rates and other details given in the sales illustration.
4.
What are the fees and charges that I have to pay?
The insurance charges are deducted monthly from the value of your units. The insurance charges will increase as you grow
older.
The insurance charges are non-guaranteed and vary by attained age next birthday, gender and smoker status at each policy
anniversary. Details of insurance charges and other charges for the ILP are given in the sales illustrations.
The prevailing government service tax will be added to the premium quoted in question 3 above, where the premium is paid
by a business organisation other than the Company.
5.
What are some of the key terms and conditions that I should be aware of?
Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly.
Free-look period - you may cancel your plan by returning your insurance policy within 15 days after you have received it. The
Company will refund to you the unallocated premiums, the value of the units that have been allocated (if any) at unit price at
the next valuation date and any insurance charge and policy fee that have been deducted less any medical fee incurred.
Cash value - the cash value of the ILP depends on the performance of the unit fund(s) selected. The higher the level of
insurance coverage selected, the more units will be absorbed to pay for the insurance charges and the fewer units will remain
to accumulate cash values under your plan.
Grace period - A grace period of 30 days from each premium due date is given for you to pay the subsequent premiums.
Policy lapse - Subject to No-Lapse Guarantee, the ILP will lapse when the value of investment units is insufficient to pay for
the insurance and other charges.
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this plan.
6.
What are the major exclusions under this plan?
Pre-existing condition.
Death during the first policy year as a result of suicide, while sane or insane.
Total and Permanent Disability resulting from self-inflicted injuries, while sane or insane.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this plan.
7.
Can I cancel my plan?
PENANG BRANCH / 9999999 / 0281 / V02 / 0111
Page 13 of 51
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Buying a regular premium ILP is a long-term financial commitment. It is not advisable to hold this plan for a short period of time in
view of the high initial costs. If you find the fund(s) that you have chosen is no longer appropriate, you have the flexibility to switch
fund(s).
8.
What do I need to do if there are changes to my / my nominee(s) contact details?

It is important that you inform us of any change in your / your nominee(s) contact details to ensure all correspondences reach you
/ your nominee(s) in a timely manner.
9.
Where can I get further information?

Should you require additional information, please refer to the relevant insuranceinfo booklet available at all our branches or you
can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my.
If you have any enquiries, please contact us at:
GREAT EASTERN LIFE ASSURANCE (MALAYSIA) BERHAD (93745-A)
Head Office
: Menara Great Eastern,
303 Jalan Ampang,
50450 Kuala Lumpur
Tel
: +603 4259 8888
Fax
: +603 4259 8000
Customer Service Careline
: 1300-1300 88
E-mail
: wecare-my@greateasternlife.com
10. Other similar types of cover available?

You may check with your agent or contact the Company directly for other similar types of cover currently available.
IMPORTANT NOTE:
THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A
PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY
YOURSELF THAT THE INVESTMENT-LINKED PLAN CHOSEN MEET YOUR RISK APPETITE, AND THAT YOU CAN AFFORD
THE PREMIUM THROUGHOUT THE POLICY DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE
THAT YOU PAY THE ADDITIONAL PREMIUMS AS TOP UPS. RETURN ON AN INVESTMENT-LINKED FUND IS NOT
GUARANTEED. YOU ARE ENCOURAGED TO APPOINT A NOMINEE(S) AND ENSURE THAT YOUR NOMINEE(S) IS AWARE OF
THE PLAN THAT YOU HAVE PURCHASED. YOU SHOULD READ AND UNDERSTAND YOUR INSURANCE POLICY AND
DISCUSS WITH YOUR AGENT OR CONTACT THE COMPANY DIRECTLY FOR MORE INFORMATION.
If there is any discrepancy between the English and Bahasa Malaysia versions of this document, the English version shall prevail.
The information provided in this disclosure sheet is valid as at 15/03/2015.
PENANG BRANCH / 9999999 / 0281 / V02 / 0111
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Notes: Please read this Product Disclosure Sheet before you decide to take up IL Critical Illness Benefit Rider. Be sure to also read
the general terms and conditions.
Name of Product
: IL Critical Illness Benefit Rider
Date
: 15/03/2015
__________________________________________________________________________________________________________
1.

IL Critical Illness Benefit Rider is a unit deduction rider that provides coverage in the event of occurrence of any one of the
covered events. This rider will accelerate the sum assured of the basic plan.
2.

The sum assured for this rider is RM30,000. It will be payable in one lump sum upon occurrence of any one of the covered events
listed in the policy contract (except for Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease*, whereby
the claim payout is subject to a maximum of RM25,000 per life or 10% of rider sum assured, whichever is lower). Upon the claim
of this rider, the basic sum assured of the attaching policy will be reduced by the amount paid.
*After the claim on Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease, the rider sum assured will be
reduced accordingly. In addition, the claim on other covered events will still be allowed, subject to the balance amount of the rider
sum assured.
If a valid claim event occurs before age 5 years next birthday, a child lien shall apply.
Duration of cover: 72 year(s) or upon termination, whichever occurs first.
3.

Not applicable because this is a unit deduction rider. Please refer to question 4 below for the insurance charges.
4.
The insurance charges are deducted monthly from the value of your units.
The insurance charges are not guaranteed and will depend on the attained age next birthday, gender, smoker status and
occupation classification (where applicable), at each policy anniversary. Details of insurance charges are given in the sales
illustrations and/or policy contract.
5.
Free-look period - you may cancel your rider within 15 days after you have received your insurance policy. The Company will
refund you the insurance charges that have been deducted less any medical fee incurred.
Policy lapse - This rider will lapse when the value of investment units is insufficient to pay for the insurance charges.
Waiting period the eligibility for covered event coverage will start only 30 days or 60 days (depending on the type of covered
event) after the effective date or reinstatement date of this rider, whichever is the later.
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this rider.
6.
What are the major exclusions under this rider?
Any pre-existing conditions.
Covered event resulting from self-inflicted injuries, while sane or insane.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this rider.
7.
Can I cancel my rider?

You may cancel your rider by giving a written notice to the Company.
8.
What do I need to do if there are changes to my contact details?

It is important that you inform us of any change in your contact details to ensure all correspondences reach you in a timely
manner.
9.

Head Office
303 Jalan Ampang,
50450 Kuala Lumpur
Tel
: +603 4259 8888
Fax
: +603 4259 8000
: 1300-1300 88
E-mail

IMPORTANT NOTE:
PENANG BRANCH / 9999999 / U100 / V00 / 0112
Page 15 of 51
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YOU SHOULD SATISFY YOURSELF THAT THIS RIDER WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND
UNDERSTAND YOUR INSURANCE POLICY AND DISCUSS WITH YOUR AGENT OR CONTACT THE COMPANY DIRECTLY FOR
MORE INFORMATION.
PENANG BRANCH / 9999999 / U100 / V00 / 0112
Page 16 of 51
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Note: Please read this Product Disclosure Sheet before you decide to take up SmartMedic. Be sure to also read the general terms
and conditions.
Name of Product
: SmartMedic
Date
: 15/03/2015
__________________________________________________________________________________________________________
1.

SmartMedic ("SM") is a unit deduction rider that provides coverage for hospitalisation and surgical expenses incurred due to
illness or accidental injury.
It comes with a unique product feature where the Initial Overall Annual Limit will be increased at the end of every third (3rd) policy
year starting from the risk effective date of SM provided that no claim has been made during the immediate preceding 3 policy
years. Each increase (if applicable) shall be equal to 10% of the Initial Overall Annual Limit.
2.

There are five riders available for selection with a daily room and board rate of RM100, RM150, RM200, RM300 and RM400
respectively.
The rider that you have selected is: SM150
Duration of the cover: 53 year(s) or upon termination, whichever occurs first.
Plan Type
No.
Insured Benefits
SM100
(RM)
SM150
(RM)
SM200
(RM)
SM300
(RM)
Hospital Room and Board

100
150
200
300
(Limit per day, subject to a maximum of 180 days per
As charged, subject to the limit stated above.
policy year for Items (I) and (II) in aggregate)
II
Intensive Care Unit

(Subject to a maximum of 180 days per policy year
for Items (I) and (II) in aggregate)
III
Hospital Supplies and Services
IV
Surgical Fees
Operating Theatre
VI
Anaesthetist Fees
VII
In Hospital Physician Visit

(2 visits per day)
VIII
Pre-Hospital Diagnostic Tests

(Within 60 days before hospitalisation)
IX
Pre-Hospital Specialist Consultation

(Within 60 days before hospitalisation)
Post-Hospitalisation Treatment
(Within 90 days after hospital discharge)
XI
Organ Transplant
XII
Ambulance Fees
XIII
Day Surgery
XIV
Outpatient Cancer Treatment
XV
Outpatient Kidney Dialysis Treatment
XVI
Emergency Accidental Outpatient Treatment

(Limit per policy year, subject to a maximum of 30
days from the date of accident)
PENANG BRANCH / 9999999 / U66 / V05 / 0613
SM400
(RM)
400
As charged.
As charged.
Reimbursement of Reasonable and Customary Charges which is
consistent with those usually charged to a ward or room and board
accommodation which is approximate to and within the daily limit
of the amount stated in Hospital Room and Board benefit under
the plan insured.
Subject to a 10% co-insurance, up to a maximum of RM500;
If there is an upgrade of Hospital Room and Board, 20% coinsurance with a maximum cap of RM3,0001 shall apply.
As charged.
Subject to 10% co-insurance.
2,000
3,000
4,000
6,000
8,000
As charged, subject to the limit stated above.
Page 17 of 51
murali
XVII
Daily-Cash Allowance at Malaysian Government

Hospital
(Per day, subject to a maximum of 120 days per
policy year)
XVIII
Initial Overall Annual Limit for Items (I) to (XVII)

(Based on paid amount)
60,000
90,000
120,000
160,000
200,000
XIX
Increase to the Initial Overall Annual Limit2
6,000
9,000
12,000
16,000
20,000
XX
Overall Annual Limit for Items (I) to (XVII) (Based on

paid amount)
XXI
Overall Lifetime Limit for Items (I) to (XVII)

(Based on paid amount)
600,000
900,000
1,200,000
1,600,000
2,000,000
XXII
Accidental Death Benefit
10,000
10,000
15,000
20,000
20,000
XXIII
Supreme Assist
(Emergency Medical Assistance Services)
50
Total of Initial Overall Annual Limit and any cumulative increase to

the Initial Overall Annual Limit
XXIV Car Assistance Programme
In accordance with the benefit provisions in Supreme Assist

agreement
In accordance with the benefit provisions in Car Assistance
Programme agreement
Notes:
1
The Company reserves the right to revise the maximum cap for co-insurance by giving at least 30 days prior written notice.
Increase to the Initial Overall Annual Limit will be computed at the end of every third (3rd) policy year starting from the risk
effective date of SM provided that no claim has been made during the immediate preceding of 3 policy years. If a claim is made
within any 3 policy years, the Increase to the Initial Overall Annual Limit will not be computed at the end of that 3 policy
years. However, the computation of the Increase to the Initial Overall Annual Limit will apply again if no claim has been made
during the immediate preceding 3 policy years.
3.

Not applicable because this is a unit deduction rider. Please refer to question 4 below for insurance charges.
4.
The insurance charges are non-guaranteed and vary by attained age next birthday, gender, smoker status, health condition
and occupation classification (where applicable). You may refer to the Sales Illustration and /or policy contract for details of
insurance charges.
5.
Importance of disclosure - you must disclose all material facts such as medical condition, your occupation and personal
pursuits, which would affect your risk profile, and state your age correctly.
reinstate the units that have been deducted for the payment of insurance charges less any medical fee incurred.
Waiting period - the eligibility for insured benefits due to illness will only start 30 days after the risk effective date of this rider.
For specified illnesses, 120 days waiting period shall apply.
Co-insurance i. 10% co-insurance, where applicable, up to a maximum of RM500 (except for Outpatient Cancer Treatment and Outpatient
Kidney Dialysis Treatment where the co-insurance has no maximum cap).
ii. If there is an upgrade of Hospital Room and Board, 20% co-insurance with a maximum cap of RM3,000 shall apply.
The Company reserves the right to revise the maximum cap for co-insurance by giving at least 30 days prior written notice.
Coordination of benefits - the Company will provide compensation on a proportionate basis if you have any other
hospitalisation coverage on reimbursement basis with our Company or others, or is receiving compensation from either
sources for injury or illness or disease.
Portfolio withdrawal condition - the Company reserves the right to cancel the SM portfolio as a whole if it decides to
discontinue underwriting this rider.
6.
Pre-existing illness.
Specified illnesses occurring within first 120 days from the risk effective date of this rider.
Any medical treatment outside Malaysia, if you reside or travel outside Malaysia for more than 90 consecutive days.
7.

8.
PENANG BRANCH / 9999999 / U66 / V05 / 0613
Page 18 of 51
murali
manner.
9.

Head Office
303 Jalan Ampang,
50450 Kuala Lumpur
Tel
: +603 4259 8888
Fax
: +603 4259 8000
: 1300-1300 88
E-mail

IMPORTANT NOTE:
MORE INFORMATION.
The term policy year wherever mentioned in this Product Disclosure Sheet shall refer to policy year of SmartMedic.
PENANG BRANCH / 9999999 / U66 / V05 / 0613
Page 19 of 51
murali
Notes: Please read this Product Disclosure Sheet before you decide to take up IL Hospitalisation Benefits Rider. Be sure to also read
Name of Product
: IL Hospitalisation Benefits Rider
Date
: 15/03/2015
__________________________________________________________________________________________________________
1.

IL Hospitalisation Benefits Rider (IL-HB) is a unit deduction rider that provides daily cash benefit (hospitalisation benefit) in the
event of hospitalisation due to illness or accidental injury.
2.

The hospitalisation benefit for this rider is RM50 per day. It will be payable in the event of hospitalisation due to illness or
accidental injury, subject to the terms and conditions.
Upon occurrence of a valid claim event, the Company will pay:
hospitalisation benefit for each day of admission in a hospital room and board;
an additional 1 time of hospitalisation benefit will be payable for each day of admission in Intensive Care Unit("ICU"),
subject to a maximum of 150 days in a policy year and an overall lifetime limit of 500 days.
If a valid claim event (except for accidental injury) occurs before age 3 years next birthday, a child lien shall apply.
Age Next Birthday on
Policy Anniversary
preceding occurence of
a valid claim event
Hospital Room and Board
ICU
50% of the hospitalisation benefit
3 - 80

3.

4.
The insurance charges are non-guaranteed and vary by attained age next birthday, gender and occupation classification at
each policy anniversary. Details of insurance charges are given in the sales illustrations and/or policy contract.
5.
pursuits, which would affect your risk profile, and state your age correctly.
Waiting period - the eligibility for hospitalisation benefit due to illness will only start 30 days after the effective date or
reinstatement date of this rider, whichever is the later.
Portfolio withdrawal condition - the Company reserves the right to cancel the IL-HB portfolio as a whole if it decides to
discontinue underwriting this rider.
6.
Pre-existing illness.
Suicide, attempted suicide or self-inflicted injuries, while sane or insane.

7.

8.

manner.
9.

Head Office
PENANG BRANCH / 9999999 / U75 / V00 / 0310
Page 20 of 51
murali
Tel
Fax
E-mail
:
:
:
:
303 Jalan Ampang,

50450 Kuala Lumpur
+603 4259 8888
+603 4259 8000
1300-1300 88
wecare-my@greateasternlife.com
10. Other similar types of cover available

IMPORTANT NOTE:
MORE INFORMATION.
PENANG BRANCH / 9999999 / U75 / V00 / 0310
Page 21 of 51
murali
Notes: Please read this Product Disclosure Sheet before you decide to take up IL Comprehensive Accident Benefits Xtra Rider. Be
sure to also read the general terms and conditions.
Name of Product
: IL Comprehensive Accident Benefits Xtra Rider
Date
: 15/03/2015
__________________________________________________________________________________________________________
1.

IL Comprehensive Accident Benefits Xtra Rider is a unit deduction rider that provides coverage in the event of death, Total and
Permanent Disability ("TPD") or temporary disability, caused solely and directly from accident. It also reimburses medical
expenses and provides additional weekly indemnity benefit for hospitalisation in Malaysian government hospital.
This rider comes with renewal incentive where the sum assured of this rider will be increased by 5% of original sum assured
every year up to a maximum of 150% of the original sum assured.
2.

The original sum assured for this rider is RM30,000.
The benefits will be payable should any of the following occurs to the life assured which is caused solely and directly from
accident:
(a) death within 90 days of accident - 100% of the current sum assured*;
(b) death within 90 days of accident while traveling in a public conveyance (other than a cable car, taxi, hired car, or any form of
transport chartered for private travel) or electric lift or in consequence of the burning of any theatre or cinema - 200% of the
current sum assured*;
(c) TPD within 90 days of accident provided the TPD has continued for at least 6 consecutive months from the date of disability 100% of the current sum assured*;
(d) permanent disability within 90 days of accidental injury - a percentage** of the current sum assured*;
(e) medical reimbursement for surgical, hospital, clinic or nursing home services - RM25 per RM1,000 original sum assured
(subject to maximum RM3,000 per accident);
(f) temporary, total & continuous disability - weekly indemnity of RM7.50 per RM1,000 original sum assured up to 52 weeks** per
accident, in aggregate with benefit payable under (g) below;
(g) temporary, partial & continuous disability - weekly indemnity of RM1.75 per RM1,000 original sum assured up to 52 weeks**
per accident, in aggregate with benefit payable under (f) above;
(h) hospitalisation in Malaysian government hospital - additional weekly indemnity of RM3.00 per RM1,000 original sum assured
up to 25 weeks**;
(i) compassionate allowance for death due to accidental cause - 5% of the original sum assured (subject to the maximum of
RM5,000);
subject to the terms and conditions stated in the policy contract.
* Current sum assured = original sum assured + renewal incentive.
** Subject to the limits specified in the policy contract.
3.

4.
The insurance charges are non-guaranteed and vary by occupation classification at each policy anniversary. Details of
insurance charges are given in the sales illustrations and/or policy contract.
Note: A discount will be applied on the insurance charges (excluding loadings, if any) of this rider for the first four policy years of
the basic plan to which this rider is attached. This means no discount will be applicable to this rider if it is attached starting from
the 5th policy year of the basic plan.
5.
pursuits, which would affect your risk profile, number of personal accident policies that you have purchased from other
insurance companies (if applicable).
6.
Suicide, attempted suicide or self-inflicted injuries, while sane or insane.
Engaging in aerial flights other than as a crew member or as a fare-paying passenger of a licensed commercial airline
operating on a regular scheduled route.
7.

8.
PENANG BRANCH / 9999999 / U74 / V01 / 0111
Page 22 of 51
murali
manner.
9.

Head Office
303 Jalan Ampang,
50450 Kuala Lumpur
Tel
: +603 4259 8888
Fax
: +603 4259 8000
: 1300-1300 88
E-mail
10. Other similar types of cover available

IMPORTANT NOTE:
YOU ARE ADVISED TO NOTE THE SCALE OF BENEFITS FOR DEATH AND DISABLEMENT IN YOUR INSURANCE POLICY.
YOU SHOULD READ AND UNDERSTAND YOUR INSURANCE POLICY AND DISCUSS WITH YOUR AGENT OR CONTACT THE
COMPANY DIRECTLY FOR MORE INFORMATION.
PENANG BRANCH / 9999999 / U74 / V01 / 0111
Page 23 of 51
murali
Notes: Please read this Product Disclosure Sheet before you decide to take up IL Premium Waiver Extra Rider. Be sure to also read
Name of Product
: IL Premium Waiver Extra Rider
Date
: 15/03/2015
__________________________________________________________________________________________________________
1.

IL Premium Waiver Extra Rider is a unit deduction rider that waives premiums in the event of Total and Permanent Disability
(TPD) or occurrence of any one of the covered events (except for Angioplasty And Other Invasive Treatments For Major
Coronary Artery Disease).
2.

This rider waives premiums upon:
TPD before age 70 years next birthday; or
occurrence of any one of the covered events listed in policy contract (except for Angioplasty And Other Invasive Treatments
For Major Coronary Artery Disease),
whichever occurs first, subject to the duration of cover and other terms and conditions stated in the policy contract.
3.

4.
The insurance charges are not guaranteed and will depend on the attained age next birthday, gender, smoker status and
occupation classification (where applicable), at each policy anniversary. Details of insurance charges are given in the sales
illustrations and/or policy contract.
5.
refund you the insurance charges that have been deducted less any medical fee incurred.
Waiting period the eligibility for covered event coverage will start only 30 days or 60 days (depending on the type of covered
event) after the effective date or reinstatement date of this rider, whichever is the later.
6.
Any pre-existing conditions.
TPD or covered event resulting from self-inflicted injuries, while sane or insane.
7.

8.

manner.
9.

Head Office
303 Jalan Ampang,
50450 Kuala Lumpur
Tel
: +603 4259 8888
Fax
: +603 4259 8000
: 1300-1300 88
E-mail

IMPORTANT NOTE:
MORE INFORMATION.
PENANG BRANCH / 9999999 / U102 / V00 / 0112
Page 24 of 51
Page 25 of 51
Great Eastern Life Assurance (Malaysia) Berhad

(93745-A)
Ilustrasi Manfaat Insurans Hayat Bagi
murali
Jenis Pelan
SmartProtect Essential Insurance 2
DISEDIAKAN OLEH : PENANG BRANCH (9999999)

TARIKH DISEDIAKAN : 15/03/2015
Page 26 of 51

Menara Great Eastern,303 Jalan Ampang,50450 Kuala Lumpur Tel : +603 4259 8888 Faks : +603 4259 8000
Tarikh: 15/03/2015
(GELSIS-5.45)
Disediakan oleh : PENANG BRANCH
Sebut Harga untuk
Jenis Pelan
Nama Pelanggan
: 0281 SmartProtect Essential Insurance 2

: Pelan Insurans Berkaitan Pelaburan dengan Premium Tetap
: murali
Manfaat yang Disediakan:

Manfaat Kematian
Jumlah sekali gus (semua sebab)
Manfaat Hilang Upaya Total dan Kekal

(TPD)
Jumlah sekali gus
Pendapatan
Amaun:
RM 50,000 termasuk
Jumlah Asurans
Tambahan termasuk
Jumlah Nilai
Pelaburan
RM 50,000 termasuk
Jumlah Asurans
Tambahan, tertakluk
kepada maksimum
RM2,000,000
Tidak Berkenaan
Kematian akibat Kemalangan

(pengangkutan awam)
TPD akibat Kemalangan
Hilang Upaya akibat Kemalangan
Pembayaran balik Perubatan

Kemalangan
Pendapatan akibat Kemalangan:

I) Hilang Upaya Total yang Sementara
II) Hilang Upaya Separa yang
Sementara
III) Dimasukkan ke Hospital Kerajaan
Elaun Ihsan
Insentif Pembaharuan
Manfaat Pendapatan Kemasukan

Hospital
: Lelaki
: Tidak
: 27
:2
: Bulanan
Amaun:
Tidak Berkenaan
Tidak Berkenaan
Manfaat Perubatan (1) - SmartMedic
RM 150
Tidak Berkenaan
Tidak Berkenaan
Had Bilik & Hidangan (R&B)

Penambahan kepada Had Bilik &
Hidangan Hospital pada akhir setiap 3
tahun polisi
Pembayaran balik Perubatan:
RM 30,000
I) Manfaat Hospital dan Pembedahan
Seperti caj yang

dikenakan (tertakluk
kepada insurans
bersama 10% ,
maksimum RM 500;
jika menaik taraf R&B,
insurans bersama 20%
dan had maksimum
RM 3,000)
Seperti caj yang
dikenakan (tertakluk
kepada insurans
bersama 10% )
II) Manfaat Rawatan Pesakit Luar
Manfaat Kemalangan
Kematian akibat Kemalangan
Manfaat yang Disediakan:

Manfaat Penyakit Wanita
Manfaat Wanita
Manfaat Kehamilan & Neonatal /

Perlindungan Bayi
Manfaat Kejadian yang Dilindungi

Pembayaran peringkat awal dalam
jumlah sekali gus
Jumlah sekali gus
Jantina
Merokok
Umur Hari Jadi
Berikut
Kelas Pekerjaan
Jenis Premium
RM 40,000 termasuk
termasuk Elaun Ihsan
RM 70,000 termasuk
termasuk Elaun Ihsan
RM 30,000 termasuk
Sehingga RM 30,000
termasuk Insentif
Pembaharuan
RM 750 daripada rider
kemalangan bagi
setiap kemalangan
termasuk tambahan
RM 3,000 setahun
daripada SM150
RM 225 seminggu
RM 52.50 seminggu
RM 90 seminggu
RM 1,500
RM 1,500 setahun
sehingga maksimum
50% daripada jumlah
asurans asal
Pembayaran balik sehingga:

I) Had Tahunan Keseluruhan
Permulaan
RM 90,000
II) Had Seumur Hidup Keseluruhan
RM 900,000
Penambahan kepada Had Tahunan

Keseluruhan Permulaan pada akhir
setiap 3 tahun polisi
Had Tahunan Keseluruhan
RM 9,000
Manfaat Perubatan (2) - Smart Extender

Amaun Deduktibel (bagi setiap tahun
polisi)
Had Bilik & Hidangan (R&B)
Pembayaran balik Perubatan:

I) Manfaat Hospital dan Pembedahan
II) Manfaat Rawatan Pesakit Luar
Jumlah Had Tahunan

Keseluruhan
Permulaan dan
sebarang
penambahan kumulatif
bagi Had Tahunan
Keseluruhan
Permulaan
Tidak Berkenaan
Tidak Berkenaan
Tidak Berkenaan
Tidak Berkenaan
Pembayaran balik sehingga:
Page 27 of 51
Kemasukan di Wad Biasa

Kemasukan di Unit Rawatan Rapi
Dimasukkan ke Hospital Kerajaan
(semua sebab)
Sehingga RM 50
sehari
Sehingga RM 100
sehari
RM 50 sehari
I) Had Tahunan Keseluruhan
Tidak Berkenaan
II) Had Seumur Hidup Keseluruhan
Tidak Berkenaan
Manfaat Pembayar
Manfaat Kematian / Manfaat TPD
Manfaat Pengenepian
Manfaat TPD
Tidak Berkenaan
Tidak Berkenaan
RM 2,400 setahun
RM 2,400 setahun
Nota: Sila rujuk kontrak polisi, ilustrasi jualan dan Risalah Pemberitahuan Produk bagi maklumat yang lebih lanjut berkenaan
manfaat pelan asas dan rider yang dipilih.
Page 28 of 51
PENERANGAN PELAN:
SmartProtect Essential Insurance 2 merupakan pelan insurans berkait pelaburan dengan premium tetap yang dilaburkan
dalam Dana Unit yang diuruskan secara profesional berserta manfaat perlindungan insurans. Walaupun sesetengah dana
melabur dalam sekuriti yang diluluskan Syariah, SmartProtect Essential Insurance 2 bukan produk berlandaskan Syariah.
Premium yang dibayar akan digunakan untuk membeli unit dalam Dana Unit. Nilai polisi bagi pelan ini akan berubah secara
langsung mengikut prestasi Dana Unit.
Pelan ini menyediakan manfaat yang akan dibayar apabila anda meninggal dunia atau Hilang Upaya Total dan Kekal (TPD).
Sebagai tambahan, pelan ini juga menyediakan 1% jumlah asurans tambahan pada setiap tahun, tanpa kos tambahan,
yang akan dibayar apabila berlaku kematian atau TPD, tertakluk kepada terma dan syarat.
Pelan ini tidak mempunyai tarikh matang atau tempoh tamat. Namun, penamatan pelan ini tertakluk kepada terma dan
syarat yang dinyatakan dalam kontrak polisi. Bagi tujuan pengiraan ilustrasi, tempoh polisi ditetapkan pada 99 tahun tolak
umur kemasukan.
Pelan Asas dan Rider,
jika ada
0281 Premium Tahunan
Asas#
Premium Insurans
Tempoh
(Tahun)
72
Amaun
Manfaat (RM)
50,000
Premium
Tahunan ^
(RM)
2,400.00
Mortaliti
Tambahan (%)
0%
Beban (RM
Bagi Setiap
1,000)
0.00
Premium
Tambahan
(RM)
0.00
Premium
Bulanan ^
(RM)
200.00
Rider dengan penolakan

unit
U100 IL CIBR
72
30,000
0.00
0%
0.00
0.00
0.00
U66 SM150
53
150
0.00
0%
0.00
0.00
0.00
U75 IL HB
53
50
0.00
0%
0.00
0.00
0.00
U74 IL CABX
43
30,000
0.00
0%
0.00
0.00
0.00
U102 IL PWE
72
2,400
0.00
0%
0.00
0.00
0.00
Jumlah (RM)
2,400.00
0.00
200.00
^ Semua premium yang dibayar oleh organisasi perniagaan selain daripada Great Eastern Life Assurance (Malaysia) Berhad adalah
tertakluk kepada cukai perkhidmatan semasa yang dikenakan kerajaan.
# Premium Tahunan Asas terdiri daripada Premium Insurans.
Bagi rider dengan penolakan unit, perlindungan bagi rider-rider ini dibayar daripada Premium Tahunan Asas.
PENTING:
INI MERUPAKAN PRODUK INSURANS DENGAN BERLANDASKAN PRESTASI YANG MENDASARI ASET DAN BUKAN SUATU
PRODUK PELABURAN SEBENAR SEPERTI UNIT AMANAH.
Anda hendaklah membaca ilustrasi ini bersama-sama dengan risalah pernyataan dana bagi Dana Unit yang telah dipilih.
Risalah pernyataan dana mengandungi semua maklumat penting yang anda perlu ketahui berkenaan Dana Unit.
Memandangkan hanya 43% daripada Premium Insurans untuk dua tahun polisi pertama akan digunakan untuk membeli unit,
manakala 95% daripada Penambahan digunakan untuk membeli unit, anda boleh memaksimumkan nilai pelaburan dengan
meminimumkan Premium Tahunan ASAS dan memaksimumkan Penambahan.
Premium Tahunan Asas Minimum yang Diperlukan*:
: RM1,200.00
Penambahan Premium Tunggal Minimum yang Dibenarkan*:
: RM1,000.00
*Ini adalah amaun minimum yang boleh dibeli. Sila ambil perhatian bahawa amaun tersebut tertakluk kepada pelarasan
lanjutan mengikut peraturan dalam garis panduan.
Oleh itu, jika belian anda melibatkan amaun premium yang besar contohnya RM5,000 dan ke atas, anda disarankan untuk
mempertimbangkan bagi membeli polisi insurans berkaitan pelaburan dengan premium tunggal (berbanding polisi dengan
premium tetap) kerana pelan dengan caruman tunggal menawarkan peruntukan yang lebih baik bagi pelaburan. Namun, sila
ambil perhatian bahawa pelan dengan premium tunggal mungkin tidak menawarkan perlindungan insurans seperti pelan
dengan premium tetap dan rider yang boleh dilampirkan juga terhad.
Tertakluk kepada Jaminan Tidak Luput, polisi insurans berkaitan pelaburan anda mungkin luput/tamat jika unit dalam dana
anda tidak mencukupi bagi membayar caj yang dikenakan. Unit anda mungkin tidak mencukupi akibat:
Caj insurans yang tinggi jika anda membeli terlalu banyak perlindungan (iaitu Jumlah Asurans Asas yang tinggi atau terlalu
banyak rider), terutamanya jika caj adalah meningkat mengikut umur anda.
Pulangan pelaburan yang buruk.
Tempoh apabila premium tidak dibayar - iaitu anda berhenti membayar premium bagi suatu tempoh yang panjang.
AMARAN
CAJ INSURANS ANDA AKAN MENINGKAT MENGIKUT UMUR ANDA. PADA TAHUN-TAHUN AKHIR, TERDAPAT
KEMUNGKINAN BAHAWA NILAI DANA YANG TERKUMPUL TIDAK MENCUKUPI UNTUK MEMBAYAR CAJ INSURANS AKIBAT
PULANGAN PELABURAN YANG BURUK, SETERUSNYA MENYEBABKAN POLISI ANDA BOLEH DIBATALKAN, MELAINKAN
JAMINAN TIDAK LUPUT DIGUNAKAN. ANDA MUNGKIN PERLU MENAMBAH PREMIUM ATAU MENGURANGKAN TAHAP
PERLINDUNGAN INSURANS, JIKA ANDA INGIN MENGEKALKAN POLISI ANDA.*
*Sila dapatkan penerangan berkenaan caj insurans serta kesannya terhadap perlindungan insurans masa depan anda daripada ejen.
RINGKASAN ILUSTRASI:
Ringkasan ilustrasi ini bertujuan untuk menunjukkan kemungkinan perubahan aliran tunai bagi pelaburan dan kesan bayaran
serta caj yang dikenakan ke atas nilai tunai berdasarkan ilustrasi di bawah.
Unjuran pulangan pelaburan yang digunakan di bawah adalah untuk tujuan ilustrasi sahaja dan tidak bermaksud untuk
menunjukkan kemungkinan pulangan Dana Unit pilihan anda. Nilai ini adalah tidak dijamin dan bukan berdasarkan prestasi
yang lepas.
Pulangan sebenar bagi dana mungkin naik turun (sama ada naik atau turun) pada setiap tahun berdasarkan prestasi aset
dana yang dilaburkan.
Pulangan sebenar mungkin kurang daripada kadar unjuran ataupun negatif.
Page 29 of 51
Strategi Pelaburan yang Dipilih

Tempoh Pelaburan
: 27 Sangat Dinamik (Dana Islam) ^

: 72 Tahun
Strategi Pelaburan anda ditentukan mengikut langkah yang dinyatakan dalam Panduan 5-langkah bagi memilih strategi
pelaburan yang betul. Secara umum, pelabur diklasifikasikan kepada 6 kategori berdasarkan kesesuaian risiko, bermula
daripada jenis pelabur yang berhati-hati hinggalah kepada jenis pelabur yang sangat dinamik. Selain strategi standard, anda
juga boleh memilih Strategi Pelaburan sendiri yang bersesuaian dengan profil risiko anda.
Anda seharusnya berpuas hati bahawa Tempoh Pelaburan yang dipilih adalah wajar demi mencapai matlamat kewangan
anda.
Unjuran Pulangan Pelaburan Kasar #
Y%
X%
Tahun Polisi 1-20
Tahun Polisi 21-30
Tahun Polisi 1-30
Dana Pelaburan yang Dipilih

F1
F4
F5
F6
F9
F17
F18
Dana Lion Balanced

Dana Lion Fixed Income
Dana Lion Progressive
Dana Sejati
Dana Lion Strategic
Dana Lion Enhanced Equity
Dana Gemilang
Tahun Polisi
Dari
Hingga
1
67
68
69
70
71
72
8%
7%
8%
7%
8%
9%
9%
F1
F4
66
67
68
69
70
71
72
5.50%
5.00%
5.50%
5.00%
5.50%
6.00%
6.00%
Dana Pelaburan yang Dipilih

F5
F6
F9
3%
4%
3%
4%
3%
2%
2%
F17
F18
100%
80%
60%
40%
30%
20%
10%
20%
40%
60%
70%
80%
90%
Unjuran Pulangan Pelaburan Kasar Berwajaran X% dan Y%

Tahun Polisi
Dari
Hingga
1
20
21
30
^Sila rujuk Nota Penting untuk profil pelaburan anda.
#Sebelum potongan untuk cukai dan caj pengurusan dana.
Unjuran Pulangan Pelaburan Kasar Berwajaran #

Y%
X%
9.00
6.00
2.00
2.00
Page 30 of 51

Tarikh: 15/03/2015
(GELSIS-5.45)
Ilustrasi Anggaran Manfaat untuk Pelan Asas dan Rider, jika ada
Tidak Dijamin
Akhir
Tahun
Polisi
Umur pada
Akhir
Tahun
Polisi
Jumlah
Premium yang
Dibayar
RIDER
Unjuran Pulangan Pelaburan

Bersih bagi Dana: Y%#
Unjuran Pulangan Pelaburan

Bersih bagi Dana: X%#
Nilai Tunai
Nilai Tunai
Manfaat
Kematian
IL CIBR
SM150
IL HB
IL CABX
IL PWE
Manfaat
Kematian
28
2,400.00
352
50,352
340
50,340
30,000
150
50
30,000
2,400
29
4,800.00
728
51,228
682
51,182
30,000
150
50
31,500
2,400
30
7,200.00
1,936
52,936
1,804
52,804
30,000
150
50
33,000
2,400
31
9,600.00
3,224
54,724
2,928
54,428
30,000
150
50
34,500
2,400
32
12,000.00
4,808
56,808
4,258
56,258
30,000
150
50
36,000
2,400
33
14,400.00
6,495
58,995
5,589
58,089
30,000
150
50
37,500
2,400
34
16,800.00
8,666
61,666
7,280
60,280
30,000
150
50
39,000
2,400
35
19,200.00
10,979
64,479
8,973
62,473
30,000
150
50
40,500
2,400
36
21,600.00
13,445
67,445
10,667
64,667
30,000
150
50
42,000
2,400
10
37
24,000.00
16,050
70,550
12,342
66,842
30,000
150
50
43,500
2,400
11
38
26,400.00
18,820
73,820
14,009
69,009
30,000
150
50
45,000
2,400
12
39
28,800.00
21,762
77,262
15,667
71,167
30,000
150
50
45,000
2,400
13
40
31,200.00
24,888
80,888
17,316
73,316
30,000
150
50
45,000
2,400
14
41
33,600.00
28,201
84,701
18,946
75,446
30,000
150
50
45,000
2,400
15
42
36,000.00
31,629
88,629
20,476
77,476
30,000
150
50
45,000
2,400
16
43
38,400.00
35,261
92,761
21,984
79,484
30,000
150
50
45,000
2,400
17
44
40,800.00
39,108
97,108
23,466
81,466
30,000
150
50
45,000
2,400
18
45
43,200.00
43,182
101,682
24,921
83,421
30,000
150
50
45,000
2,400
19
46
45,600.00
47,491
106,491
26,341
85,341
30,000
150
50
45,000
2,400
20
47
48,000.00
51,961
111,461
27,639
87,139
30,000
150
50
45,000
2,400
21
48
50,400.00
55,237
115,237
28,897
88,897
30,000
150
50
45,000
2,400
22
49
52,800.00
58,589
119,089
30,105
90,605
30,000
150
50
45,000
2,400
23
50
55,200.00
62,021
123,021
31,263
92,263
30,000
150
50
45,000
2,400
24
51
57,600.00
65,528
127,028
32,363
93,863
30,000
150
50
45,000
2,400
25
52
60,000.00
68,730
130,730
33,030
95,030
30,000
150
50
45,000
2,400
26
53
62,400.00
71,987
134,487
33,627
96,127
30,000
150
50
45,000
2,400
27
54
64,800.00
75,299
138,299
34,151
97,151
30,000
150
50
45,000
2,400
28
55
67,200.00
78,684
142,184
34,618
98,118
30,000
150
50
45,000
2,400
29
56
69,600.00
82,120
146,120
35,004
99,004
30,000
150
50
45,000
2,400
30
57
72,000.00
85,392
149,892
35,094
99,594
30,000
150
50
45,000
2,400
# Rujuk jadual "Unjuran Pulangan Pelaburan Kasar Berwajaran X% dan Y%" untuk maklumat lanjut.
NOTA: -
1. IL CIBR
:IL Critical Illness Benefit Rider
SM150
:SmartMedic 150
IL HB
:IL Hospitalisation Benefits Rider
IL CABX
:IL Comprehensive Accident Benefits Xtra Rider
IL PWE
:IL Premium Waiver Extra Rider
2.Manfaat di bawah rider hanya akan dibayar jika pelan asas dan rider adalah berkuat kuasa.
3.Ilustrasi ini mesti dibaca mengikut nota penuh seperti yang tertera di bahagian Nota Penting.
Page 31 of 51
4.Semua angka dalam RM. (R&KT)

5.Unjuran pulangan pelaburan yang ditunjukkan di atas adalah nilai bersih setelah ditolak cukai dan semua caj yang berkenaan.
Page 32 of 51

Tarikh: 15/03/2015
(GELSIS-5.45)
Ilustrasi Anggaran Manfaat di bawah andaian unjuran pulangan pelaburan bersih X% dan Y%#
Tidak Dijamin
(A)
Akhir
Tahun
Polisi
Umur
pada
Akhir
Tahun
Polisi
Premium
yang
Dibayar
(B)
(C)
Premium yang Premium yang

Diperuntukkan
Tidak
1
Diperuntukkan
(D)
(E)
(F)
Jumlah
Asurans
Asas
Jumlah
Asurans
Tambahan
(G)
Caj Insurans
Pelan Asas
(H)
(I)
(J)
(K) = (D)+(E)+(J)
(L)
Yuran
Polisi
Caj Pengurusan Dana
Nilai Tunai Bersih
Manfaat Kematian
Kos
Pengagihan
2
Terus
Rider(s)
Y%
X%
Y%
X%
Y%
X%
28
2,400.00
1,368.00
1,032.00
50,000
66.96
552.84
72
352
340
50,352
50,340
840.00
29
2,400.00
1,368.00
1,032.00
50,000
500
66.96
553.44
72
728
682
51,228
51,182
840.00
30
2,400.00
576.00
1,824.00
50,000
1,000
66.96
567.36
72
19
19
1,936
1,804
52,936
52,804
600.00
31
2,400.00
576.00
1,824.00
50,000
1,500
66.96
568.55
72
36
35
3,224
2,928
54,724
54,428
600.00
32
2,400.00
360.00
2,040.00
50,000
2,000
66.96
583.91
72
56
54
4,808
4,258
56,808
56,258
360.00
33
2,400.00
360.00
2,040.00
50,000
2,500
66.96
587.16
72
79
73
6,495
5,589
58,995
58,089
360.00
34
2,400.00
0.00
2,400.00
50,000
3,000
66.96
591.53
72
106
96
8,666
7,280
61,666
60,280
0.00
35
2,400.00
0.00
2,400.00
50,000
3,500
66.96
596.28
72
138
121
10,979
8,973
64,479
62,473
0.00
36
2,400.00
0.00
2,400.00
50,000
4,000
66.96
600.04
72
171
146
13,445
10,667
67,445
64,667
0.00
10
37
2,400.00
0.00
2,400.00
50,000
4,500
66.96
626.21
72
207
171
16,050
12,342
70,550
66,842
0.00
11
38
2,400.00
0.00
2,400.00
50,000
5,000
72.48
633.37
72
244
196
18,820
14,009
73,820
69,009
0.00
12
39
2,400.00
0.00
2,400.00
50,000
5,500
77.52
642.63
72
284
221
21,762
15,667
77,262
71,167
0.00
13
40
2,400.00
0.00
2,400.00
50,000
6,000
83.52
651.84
72
327
245
24,888
17,316
80,888
73,316
0.00
14
41
2,400.00
0.00
2,400.00
50,000
6,500
90.48
669.10
72
372
270
28,201
18,946
84,701
75,446
0.00
15
42
2,400.00
0.00
2,400.00
50,000
7,000
99.00
766.06
72
419
293
31,629
20,476
88,629
77,476
0.00
16
43
2,400.00
0.00
2,400.00
50,000
7,500
108.96
783.44
72
468
316
35,261
21,984
92,761
79,484
0.00
17
44
2,400.00
0.00
2,400.00
50,000
8,000
121.44
801.77
72
520
338
39,108
23,466
97,108
81,466
0.00
18
45
2,400.00
0.00
2,400.00
50,000
8,500
136.44
818.80
72
576
360
43,182
24,921
101,682
83,421
0.00
19
46
2,400.00
0.00
2,400.00
50,000
9,000
153.96
841.66
72
634
381
47,491
26,341
106,491
85,341
0.00
20
47
2,400.00
0.00
2,400.00
50,000
9,500
173.04
948.23
72
696
401
51,961
27,639
111,461
87,139
0.00
21
48
2,400.00
0.00
2,400.00
50,000
10,000
194.04
972.42
72
769
420
55,237
28,897
115,237
88,897
0.00
22
49
2,400.00
0.00
2,400.00
50,000
10,500
217.44
1,002.60
72
817
438
58,589
30,105
119,089
90,605
0.00
23
50
2,400.00
0.00
2,400.00
50,000
11,000
242.04
1,032.39
72
865
456
62,021
31,263
123,021
92,263
0.00
24
51
2,400.00
0.00
2,400.00
50,000
11,500
268.44
1,067.60
72
915
473
65,528
32,363
127,028
93,863
0.00
25
52
2,400.00
0.00
2,400.00
50,000
12,000
297.96
1,474.42
72
963
485
68,730
33,030
130,730
95,030
0.00
26
53
2,400.00
0.00
2,400.00
50,000
12,500
330.48
1,513.49
72
1,009
495
71,987
33,627
134,487
96,127
0.00
27
54
2,400.00
0.00
2,400.00
50,000
13,000
366.48
1,552.21
72
1,056
503
75,299
34,151
138,299
97,151
0.00
28
55
2,400.00
0.00
2,400.00
50,000
13,500
407.04
1,570.88
72
1,104
510
78,684
34,618
142,184
98,118
0.00
29
56
2,400.00
0.00
2,400.00
50,000
14,000
450.00
1,611.00
72
1,153
517
82,120
35,004
146,120
99,004
0.00
30
57
2,400.00
0.00
2,400.00
50,000
14,500
495.48
1,861.20
72
1,201
520
85,392
35,094
149,892
99,594
0.00
# Rujuk jadual "Unjuran Pulangan Pelaburan Kasar Berwajaran X% dan Y%" untuk maklumat lanjut.
1. Ini menunjukkan caj bagi premium anda yang digunakan untuk membayar kos pengagihan terus dan perbelanjaan oleh Syarikat.
2. Kos langsung yang berkaitan dengan saluran agihan untuk tujuan pemasaran yang dilakukan untuk polisi ini, contohnya pembayaran kepada ejen anda. Kos ini dibayar daripada caj yang dikenakan ke atas polisi anda
bagi perkhidmatan yang diberi oleh ejen sepanjang tempoh polisi anda. Sila ambil perhatian bahawa bonus pengeluaran (5% daripada premium bagi tahun pertama) dan bonus berterusan (5% daripada premium tahun
kedua) akan dibayar dengan syarat ejen anda memenuhi kriteria kelayakan yang ditetapkan oleh Syarikat.
3. Unjuran pulangan pelaburan yang ditunjukkan di atas adalah nilai bersih setelah ditolak cukai dan semua caj yang berkenaan.
NOTA: PENANG BRANCH / 9999999 / (GELSIS-5.45)
Page 33 of 51
1.Unjuran manfaat yang ditunjukkan di atas adalah untuk ilustrasi sahaja dan TIDAK DIJAMIN.
2.Nilai Dana Unit mungkin kurang daripada amaun premium yang telah dibayar dan bergantung kepada prestasi yang mendasari aset.
3.Prestasi sebenar yang lepas BUKAN panduan untuk prestasi pada masa depan kerana ia mungkin berbeza.
4.Ilustrasi caj insurans hayat dan caj lain adalah berdasarkan tahap semasa. Ia mungkin berbeza dari semasa ke semasa.
5.Jika "N/A" ditunjukkan dalam ilustrasi di atas, ia menunjukkan tiada caj insurans dan perlindungan manfaat bagi rider.
6.Jika "-" ditunjukkan dalam ilustrasi di atas, ini menunjukkan bahawa polisi telah luput di bawah unjuran pulangan pelaburan bagi X% dan Y% masing-masing, seperti ditunjukkan dalam tajuk bagi lajur masing-masing. Ia
bermaksud semua bentuk manfaat (nilai tunai, manfaat kematian, dll) adalah tidak berkenaan. Apabila lajur tidak menyatakan sama ada X% atau Y% akan digunakan, unjuran bagi polisi luput adalah berdasarkan unjuran
pulangan pelaburan Y%. Sila ambil perhatian bahawa keputusan ini berdasarkan andaian pulangan pelaburan, premium yang dibayar dan caj. Manfaat mungkin berbeza dan tertakluk kepada Jaminan Tidak Luput, polisi
mungkin luput lebih awal atau lambat bergantung kepada pulangan pelaburan sebenar, premium yang dibayar dan caj.
7. Caj insurans anda akan meningkat mengikut umur hari jadi berikut yang dicapai dan mungkin menyebabkan caj insurans anda lebih tinggi berbanding dengan premium yang diperuntukkan pada sebarang masa semasa
polisi anda berkuat kuasa. Namun, perlindungan insurans mungkin berbeza dari semasa ke semasa, caj insurans anda mungkin lebih tinggi atau lebih rendah daripada premium yang diperuntukkan, dan mungkin lebih
awal atau lebih lewat daripada ilustrasi di atas.
8.Ilustrasi ini mesti dibaca mengikut nota penuh seperti yang tertera di bahagian Nota Penting.
9.Semua angka dalam RM. (R&KT)
Page 34 of 51
** NOTA PENTING
MAKLUMAT AM
Maklumat yang ditunjukkan di bawah membentuk sebahagian daripada Ilustrasi Jualan anda.
Great Eastern Life Assurance (Malaysia) Bhd ("Syarikat") percaya bahawa adalah penting bagi anda untuk menyedari
sepenuhnya semua manfaat di bawah polisi ini dan memahami bagaimana kos perlindungan insurans, pengagihan,
pentadbiran, pelaburan dan kos lain mempengaruhi manfaat ini.
Anda sepatutnya berpuas hati bahawa pelan ini dapat memenuhi keperluan anda dan anda mampu membayar premium yang
dikenakan. Jika anda memerlukan penjelasan, sila hubungi kami atau ejen anda.
Membeli polisi insurans hayat dengan premium tetap adalah satu komitmen jangka panjang. Anda tidak dinasihatkan untuk
memegang polisi ini dalam jangka masa pendek memandangkan kos permulaan yang tinggi.
Maklumat yang dinyatakan di bawah menerangkan perkara tertentu yang dinyatakan dalam Ilustrasi Jualan.
UNJURAN KADAR PULANGAN PELABURAN
Pulangan X% dan Y% telah digunakan untuk menunjukkan kemungkinan julat pulangan berdasarkan Dana Unit pilihan anda,
seperti ditunjukkan dalam muka surat terdahulu.
Kadar pulangan ini digunakan untuk tujuan ilustrasi semata-mata dan tidak menggambarkan kadar sebenar bagi had atas dan
bawah yang mungkin berlaku. Pulangan yang diilustrasikan telah digunakan untuk menunjukkan kemungkinan julat pulangan
berdasarkan Strategi Pelaburan dan Tempoh Pelaburan anda.
Prestasi Dana Unit adalah TIDAK DIJAMIN dan nilai Dana Unit mungkin kurang daripada amaun premium yang telah dibayar
serta ia bergantung kepada prestasi yang mendasari aset Dana Unit. Manfaat sebenar yang dibayar bergantung kepada
prestasi sebenar yang mendasari aset Dana Unit dan pulangan sebenar yang diisytiharkan pada masa depan mungkin
berkurangan atau melebihi nilai yang diilustrasikan.
Risiko pelaburan di bawah polisi ini ditanggung oleh pemilik polisi semata-mata. Pemilik polisi mestilah sedia maklum bahawa
harga unit mungkin turun atau naik.
Pulangan pelaburan tahunan sebenar yang lepas untuk dana berbanding dengan indeks tanda aras yang dipilih adalah
ditunjukkan di bawah:
Pulangan Pelaburan Sebenar
Dana Unit
2009
2010
2011
2012
2013
F1 Dana Lion Balanced
29.29%
18.15%
6.62%
8.52%
22.03%
F4 Dana Lion Fixed Income
4.23%
7.22%
6.78%
5.39%
3.23%
F5 Dana Lion Progressive
33.20%
18.19%
8.21%
10.64%
14.86%
F6 Dana Sejati^^
3.66%
8.42%
7.02%
6.44%
3.19%
F9 Dana Lion Strategic
27.57%
19.75%
6.49%
9.28%
14.77%
F17 Dana Lion Enhanced Equity
n/a
*
12.14%
14.11%
29.16%
F18 Dana Gemilang
n/a
*
5.61%
13.14%
27.77%
^^ dahulunya dikenali sebagai Dana Mauzuun Bond.
* tahun tidak lengkap
Pulangan Tanda Aras
Dana Unit
Tanda Aras
2009
2010
2011
2012
2013
F1 Dana Lion Balanced
Tanda Aras
22.50%
12.00%
2.69%
6.41%
7.33%
Berwajaran
F4 Dana Lion Fixed Income
FD 12 bulan
2.70%
2.80%
3.07%
3.21%
3.20%
F5 Dana Lion Progressive
FBM 100*
45.60%
21.80%
1.94%
9.60%
11.39%
F6 Dana Sejati^^
Deposit
2.80%
2.80%
3.09%
3.21%
3.21%
Mudharabah 12
Bulan
F9 Dana Lion Strategic
Tanda Aras
22.50%
12.00%
2.69%
6.41%
7.33%
Berwajaran
F17 Dana Lion Enhanced
FBM 100
48.00%
21.80%
1.94%
9.60%
11.39%
Equity
F18 Dana Gemilang
FBM Shariah
43.00%
18.20%
2.41%
11.85%
13.29%
iaitu
FBM 100*
: FTSE Bursa Malaysia 100 Index (Pulangan tahunan sebelum Julai tahun 2009 adalah
berdasarkan KLCI)
FBM 100
: FTSE Bursa Malaysia 100 Index
FBM Shariah
: FTSE Bursa Malaysia Emas Shariah Index
FD 12 bulan
: Tanda Aras Simpanan Tetap 12 Bulan
Deposit Mudharabah 12 Bulan
: Deposit Mudharabah 12 Bulan
Tanda Aras Berwajaran
: Indeks purata berwajaran 50:50 antara FBM 100 dan kadar simpanan tetap 12 bulan
(Pulangan tahunan sebelum Julai tahun 2009 termasuk indeks purata berwajaran 50:50 di
antara KLCI dan kadar simpanan tetap 12 bulan).
Sila ambil perhatian bahawa tiada pulangan tahunan sebenar Dana Unit dapat dinyatakan untuk tahun sebelumnya bagi dana
yang baru.
Pulangan pelaburan sebenar yang ditunjukkan di atas adalah mengikut kadar bersih (setelah ditolak cukai dan caj) dan tidak
mengambil kira sebarang bida/tawaran, jika ada atau sebarang caj yang mungkin dikenakan.
Prestasi sebenar yang lepas BUKAN panduan untuk prestasi pada masa depan kerana ia mungkin berbeza.
Sila ambil perhatian bahawa kadar pulangan yang dirujuk di atas dikira berdasarkan pelaburan dalam Dana Unit tertentu dan
bukan berdasarkan premium yang telah dibayar di bawah polisi ini.
Page 35 of 51
Penerangan Objektif Dana

F1 Dana Lion Balanced Dana yang melabur dalam campuran ekuiti (julat di antara 40% hingga 60%) dan sekuriti pendapatan
tetap. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan hingga jangka
panjang, pada tahap mudah ubah sederhana.
F4 Dana Lion Fixed
Dana yang melabur dalam sekuriti pendapatan tetap seperti bon kerajaan dan korporat (julat di antara
Income
40% hingga 95%) dengan baki dilaburkan dalam bentuk tunai dan yang setara dengan tunai. Dana ini
bertujuan untuk menyediakan pulangan yang konsisten pada tahap mudah ubah rendah.
F5 Dana Lion
Dana yang melabur dalam campuran ekuiti (julat di antara 50% hingga 90%) dan sekuriti pendapatan
Progressive
tetap. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan hingga jangka
panjang, pada tahap mudah ubah sederhana hingga tinggi.
F6 Dana Sejati
Dana yang melabur dalam sekuriti hutang yang diluluskan Syariah, contohnya sukuk kerajaan dan
korporat (julat di antara 40% hingga 95%) dengan bakinya dilaburkan dalam kertas/deposit pasaran
matawang Islam. Dana ini bertujuan untuk menyediakan pulangan yang konsisten pada tahap mudah
ubah rendah.
F9 Dana Lion Strategic Dana yang melabur dalam campuran ekuiti, sekuriti pendapatan tetap dan instrumen pasaran wang.
Terdapat fleksibiliti dalam peruntukan aset memandangkan dana ini boleh melabur secara tunggal
dalam sekuriti pendapatan tetap atau ekuiti. Dana ini bertujuan untuk menyediakan kenaikan nilai
modal jangka pertengahan hingga jangka panjang, dengan tahap mudah ubah sederhana.
F17 Dana Lion
Dana yang mana 80% hingga 100% pelaburan terdiri daripada ekuiti, yang boleh mudah ubah dalam
Enhanced Equity
jangka pendek. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan
hingga jangka panjang. Walaupun sebahagian besar pelaburan dana dijalankan di Malaysia (50%
hingga 100%), sebahagian pelaburan mungkin dijalankan di Singapura (sehingga 25%) dan Hong
Kong (sehingga 25%), jika dan apabila perlu, bagi meningkatkan pulangan dana.
F18 Dana Gemilang
Dana yang mana 80% hingga 100% pelaburan terdiri daripada ekuiti, yang boleh mudah ubah dalam
jangka pendek. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan
hingga jangka panjang. Walaupun sebahagian besar pelaburan dana dijalankan di Malaysia (50%
hingga 100%), sebahagian pelaburan mungkin dijalankan di Singapura (sehingga 25%) dan Hong
Kong (sehingga 25%), jika dan apabila perlu, bagi meningkatkan pulangan dana. Dana ini hanya
melabur dalam sekuriti yang mematuhi Syariah.
Pilihan Dana Unit haruslah berdasarkan toleransi anda terhadap risiko. Sila dapatkan nasihat daripada ejen anda ataupun kami
berkenaan dengan toleransi anda terhadap risiko.
PREMIUM YANG DIBAYAR
Ia merupakan amaun yang dibayar oleh anda (pemilik polisi) bagi polisi ini. Sila ambil perhatian bahawa bukan semua amaun
yang dibayar akan dilaburkan dalam Dana Unit pilihan anda. Sila baca penerangan berkenaan premium yang diperuntukkan dan
premium yang tidak diperuntukkan di bawah.
PREMIUM YANG TIDAK DIPERUNTUKKAN
Caj bagi premium yang tidak diperuntukkan adalah caj yang dikenakan terlebih dahulu ke atas premium yang dibayar dan
digunakan untuk membayar perbelanjaan oleh penanggung insurans serta kos pengagihan terus, termasuk komisen yang
dibayar kepada ejen.
Ejen anda berhak menerima bonus pengeluaran dan bonus berterusan semasa dua tahun polisi pertama dengan syarat ejen
anda memenuhi kriteria kelayakan yang ditetapkan oleh Syarikat.
PREMIUM YANG DIPERUNTUKKAN
Ini merupakan amaun yang akan digunakan untuk membeli unit pada Nilai Aset Bersih (NAV) dalam Dana Unit pilihan anda.
Nilai Aset Bersih (NAV) : NAV ialah harga tunggal apabila pemilik polisi membeli unit dalam Dana Unit dan menjual kembali unit
tersebut ke dalam Dana Unit.
NAV bagi setiap Dana Unit ditentukan setiap hari selepas penilaian aset bagi Dana Unit. Kadar peruntukan bagi Premium
Tahunan Asas adalah seperti berikut (suatu % daripada premium):Tahun Polisi
1
2
3
4
5
6
7&
berikutnya
Premium Insurans
2,400.00
2,400.00
2,400.00
2,400.00
2,400.00
2,400.00
2,400.00
Premium yang
(%)
43.00%
43.00%
76.00%
76.00%
85.00%
85.00%
100.00%
Diperuntukkan (RM)
1,032.00
1,032.00
1,824.00
1,824.00
2,040.00
2,040.00
2,400.00
.
Kadar peruntukan premium bagi Penambahan Premium Tunggal ialah 95% bagi premium yang dibayar untuk sepanjang tahun.
JUMLAH ASURANS ASAS
Ini adalah amaun minimum yang akan diterima sekiranya berlaku kematian atau menjadi hilang upaya.
Pemilik polisi boleh meningkatkan jumlah asurans asas tanpa menambah premium tetap, tertakluk kepada terma dan syarat
yang ditentukan oleh Syarikat pada masa itu.
CAJ
Caj-caj ini ditolak daripada Dana Unit anda.
Caj insurans dan caj lain yang diilustrasikan adalah berdasarkan kadar semasa. Ia tidak dijamin dan mungkin disemak semula
dari semasa ke semasa dengan memberi notis 3 bulan kepada pemilik polisi. Bagi pelan / rider Insurans Perubatan dan
Kesihatan, notis 30 hari akan diberi jika terdapat kenaikan caj.
Caj insurans ditolak secara bulanan daripada nilai unit anda untuk membayar perlindungan insurans. Caj insurans bagi
perlindungan insurans berbeza mengikut umur hari jadi berikut yang dicapai, jantina, kelas pekerjaan, kadaran perubatan dan
status merokok, mana yang berkenaan. Caj insurans akan meningkat seiring dengan peningkatan umur.
Bergantung kepada Jumlah Asurans Asas, Caj Insurans bagi Pelan Asas akan diberi diskaun seperti berikut:
a) Bagi Jumlah Asurans Asas dari RM100,000 hingga RM249,999, anda akan menikmati diskaun 10% ke atas Caj Insurans bagi
Pelan Asas;
b) Bagi Jumlah Asurans Asas dari RM250,000 hingga RM499,999, anda akan menikmati diskaun 15% ke atas Caj Insurans bagi
Pelan Asas;
Page 36 of 51
c) Bagi Jumlah Asurans Asas dari RM500,000 dan ke atas, anda akan menikmati diskaun 20% ke atas Caj Insurans bagi Pelan
Asas.
Nota: Diskaun di atas tidak diberi ke atas Caj Insurans tambahan yang dikenakan disebabkan Kemortalan Tambahan dan/atau
Beban bagi Pelan Asas.
Caj Lain: Dalam ilustrasi ini, caj berikut telah diandaikan:(a) Yuran Polisi
: Caj pentadbiran sebanyak RM6 akan ditolak setiap bulan daripada Dana Unit.
(b) Caj Pengurusan Dana
: Ia merujuk kepada bayaran pengurusan tahunan (% daripada Dana Unit) yang ditolak bagi
menampung kos menguruskan Dana Unit.
Dana Unit
Caj Pengurusan Dana (setahun)
F1
Dana Lion Balanced
1.00%
F4
Dana Lion Fixed Income
0.50%
F5
Dana Lion Progressive
1.35%
F6
Dana Sejati
0.50%
F9
Dana Lion Strategic
1.25%
F17
Dana Lion Enhanced Equity
1.50%
F18
Dana Gemilang
1.50%
NILAI TUNAI
Ini merupakan unjuran nilai unit pada sebarang masa tertentu yang mungkin diterima jika anda menyerahkan polisi selepas
ditolak cukai dan caj yang berkenaan.
Jika polisi ditamatkan lebih awal, anda mungkin akan mendapat jumlah premium yang berkurangan daripada jumlah premium
yang telah dibayar.
Pelan ini TIDAK menawarkan sebarang nilai serahan atau manfaat matang minimum yang dijamin dan tertakluk kepada
Jaminan Tidak Luput, polisi ini mungkin luput lebih awal bergantung kepada pulangan pelaburan dan caj sebenar.
Syarikat berhak menangguhkan penerbitan atau penebusan unit, dalam keadaan yang dianggap luar biasa.
MANFAAT KEMATIAN
Ini adalah amaun yang akan dibayar sekiranya berlaku kematian.
Semasa polisi ini berkuat kuasa dan tertakluk kepada terma dan syarat, sekiranya hayat yang diasuranskan meninggal dunia,
perkara berikut akan dibayar sebagai Manfaat Kematian:
(i) Jumlah Asurans Asas; termasuk
(ii) Jumlah Asurans Tambahan; termasuk
(iii) jumlah nilai Dana Unit, jika ada, yang dikira mengikut NAV pada tarikh penilaian yang berikutnya.
Bagi orang yang dilindungi di bawah umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan dikenakan bagi Jumlah Asurans
Asas dan Jumlah Asurans Tambahan seperti berikut:Umur Hari Jadi Berikut pada Ulang Tahun Polisi
1
2
3
4
Peratusan (%) Jumlah Asurans Asas dan Asurans Tambahan
20%
40%
60%
80%
Perlindungan penuh akan diberi dari umur 5 tahun hari jadi berikutnya dan ke atas.
MANFAAT HILANG UPAYA TOTAL DAN KEKAL (TPD)
Semasa polisi ini berkuat kuasa dan tertakluk kepada terma dan syarat, sekiranya Hilang Upaya Total dan Kekal berlaku
sebelum ulang tahun polisi apabila hayat yang diasuranskan mencapai umur 70 tahun hari jadi berikutnya, Syarikat akan
mendahulukan Jumlah Asurans Asas seperti berikut: (i) Jumlah Asurans Asas dan Jumlah Asurans Tambahan tidak melebihi RM 2,000,000 akan dibayar dalam 3 kali ansuran
tahunan dengan bayaran pertama bagi Jumlah Asurans Asas dan Jumlah Asurans Tambahan dibayar dalam satu jumlah sekali
gus atau RM1,000,000, mana yang lebih rendah, dan
(ii) baki Jumlah Asurans Asas dan Jumlah Asurans Tambahan (jika ada) akan dibayar dalam dua kali ansurans tahunan yang
sama nilai, iaitu maksimum RM500,000 bagi setiap satu ansuran.
Manfaat TPD maksimum yang dibayar di bawah ini dan semua polisi insurans (termasuk rider) ke atas hayat yang sama ialah
RM3,500,000 bagi semua saluran agihan.
Bagi hayat yang diasuranskan di bawah umur 5 tahun hari jadi berikutnya, lien kanak-kanak seperti yang dikenakan bagi
Manfaat Kematian akan digunakan. Namun, ia tertakluk kepada Manfaat TPD maksimum sebanyak RM500,000 yang dibayar di
bawah ini dan semua polisi insurans (termasuk rider) ke atas hayat yang diasuranskan yang sama.
JAMINAN TIDAK LUPUT
.
Polisi asas dan rider pilihan yang dilampirkan (jika ada) tidak akan luput dalam masa tiga tahun polisi pertama jika jumlah nilai
pelaburan kurang atau bersamaan dengan sifar pada tarikh penolakan bulanan bagi yuran polisi dan caj insurans, dengan
syarat
(i) semua premium tetap bagi polisi telah dibayar sebelum tarikh penolakan bulanan tersebut pada setiap tarikh premium perlu
dibayar atau semasa Tempoh Tenggang; dan
(ii) tiada sebarang pengeluaran unit sebelum tarikh penolakan bulanan tersebut.
PENGECUALIAN
Kematian yang berlaku dalam tahun polisi pertama akibat bunuh diri, ketika waras atau tidak waras.
TPD akibat kecederaan yang dilakukan sendiri, ketika waras atau tidak waras.
Nota: Senarai pengecualian ini hanya berkenaan untuk pelan asas sahaja dan tidak menyeluruh. Sila rujuk kontrak polisi anda
bagi senarai pengecualian di bawah pelan asas, jika ada.
PENERANGAN RIDER
U66 SmartMedic (SM150)
Page 37 of 51
SmartMedic ialah rider dengan penolakan unit yang menyediakan perlindungan bagi kemasukan hospital dan perbelanjaan
pembedahan yang ditanggung akibat penyakit atau kecederaan kemalangan.
Ia turut didatangkan dengan ciri produk yang unik iaitu Had Tahunan Keseluruhan Permulaan akan bertambah pada akhir setiap
tahun polisi ketiga (ke-3) bermula dari tarikh risiko berkuat kuasa SmartMedic dengan syarat tiada tuntutan telah dibuat dalam
selang masa 3 tahun polisi sebelumnya.
U74 IL Comprehensive Accident Benefits Xtra Rider (IL CABX)
IL Comprehensive Accident Benefits Xtra Rider ialah rider dengan penolakan unit yang menyediakan perlindungan semasa
kematian, Hilang Upaya Total dan Kekal (TPD), hilang upaya kekal atau sementara, disebabkan semata-mata dan secara
langsung oleh kemalangan. Sebagai tambahan, ia membayar balik perbelanjaan perubatan dan menyediakan manfaat tanggung
rugi mingguan bagi kemasukan hospital di hospital kerajaan Malaysia.
.
Ia turut didatangkan dengan insentif pembaharuan iaitu jumlah asurans bagi rider ini akan bertambah sebanyak 5% daripada
jumlah asurans asal setiap tahun sehingga maksimum 150% daripada jumlah asurans asal.
U75 IL Hospitalisation Benefits Rider (IL HB)
IL Hospitalisation Benefits Rider ialah rider dengan penolakan unit yang menyediakan manfaat tunai harian semasa kemasukan
hospital di bilik dan hidangan hospital atau manfaat tunai harian berganda bagi kemasukan hospital di Unit Rawatan Rapi.
U100 IL Critical Illness Benefit Rider (IL CIBR)
IL Critical Illness Benefit Rider ialah rider dengan penolakan unit yang menyediakan perlindungan apabila salah satu kejadian
yang dilindungi berlaku kepada hayat yang diasuranskan. Rider ini akan mengurangkan jumlah asurans pelan asas, tertakluk
kepada terma dan syarat yang dinyatakan dalam kontrak polisi.
U102 IL Premium Waiver Extra Rider (IL PWE)
IL Premium Waiver Extra Rider ialah rider dengan penolakan unit yang mengenepikan premium apabila Hilang Upaya Total dan
Kekal (TPD) atau salah satu kejadian yang dilindungi (kecuali Angioplasti Dan Rawatan Pembedahan Lain Untuk Penyakit Arteri
Koronari Utama) berlaku kepada hayat yang diasuranskan, mana yang berlaku dahulu, tertakluk kepada terma dan syarat yang
dinyatakan dalam kontrak polisi.
Notis Penting: Kami ingin menarik perhatian anda bahawa Akta Perkhidmatan Kewangan 2013 (Financial Services Act 2013, FSA
2013) telah dikuatkuasakan pada 30 Jun 2013 menggantikan Akta Insurans 1996 (IA 1996). Oleh itu, kesemua rujukan terhadap
peruntukan daripada IA 1996 yang tertera dalam borang cadangan atau selainnya, borang soal selidik, kontrak polisi atau dokumendokumen lain yang dikeluarkan Syarikat, apabila FSA 2013 atau jadual yang tertentu dikuatkuasakan (jika berkenaan), akan
digantikan dengan peruntukan yang serupa atau relevan mengikut FSA 2013, mengikut cara yang termaktub dalam FSA 2013.
Jika terdapat percanggahan antara versi Bahasa Inggeris, Bahasa Malaysia dan Bahasa Cina untuk dokumen ini, versi Bahasa
Inggeris akan digunakan.

Tarikh : 15/03/2015
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Risalah Pemberitahuan Produk
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan SmartProtect Essential Insurance
2. Pastikan terma dan syarat am telah dibaca.
Nama Penyedia Perkhidmatan Kewangan
: Great Eastern Life Assurance (Malaysia) Berhad (93745-A) ("Syarikat")
Nama Produk
: SmartProtect Essential Insurance 2
Tarikh
: 15/03/2015
__________________________________________________________________________________________________________
1.
Apakah produk ini?

SmartProtect Essential Insurance 2 ialah pelan insurans berkait pelaburan ("ILP") yang menawarkan kombinasi perlindungan
insurans dan pelaburan.
Ia juga didatangkan dengan tambahan 1% jumlah asurans tanpa kos tambahan, yang dibayar semasa berlaku kematian atau
Hilang Upaya Total dan Kekal ("TPD"), tertakluk kepada terma dan syarat.
2.
Apakah perlindungan / manfaat yang disediakan?

Jumlah asurans asas bagi pelan ini ialah RM 50,000. Jumlah asurans asas termasuk jumlah asurans tambahan akan dibayar
bagi:
kematian; atau
Hilang Upaya Total dan Kekal (TPD) sebelum umur 70 tahun hari jadi berikutnya,
mana yang berlaku dahulu, tertakluk kepada terma dan syarat dalam kontrak polisi. Namun, jika kematian atau TPD berlaku
sebelum umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan digunakan.
Nilai unit pelaburan (jika ada) akan dibayar berserta jumlah asurans asas bagi kematian.
Pelan ini menawarkan Jaminan Tidak Luput iaitu polisi asas dan rider pilihan yang dilampirkan (jika ada) tidak akan luput dalam
masa tiga tahun polisi pertama jika jumlah nilai pelaburan kurang atau bersamaan dengan sifar pada tarikh penolakan bulanan
bagi yuran polisi dan caj insurans, dengan syarat
semua premium tetap bagi polisi telah dibayar sebelum tarikh penolakan bulanan tersebut pada setiap tarikh premium perlu
dibayar atau semasa Tempoh Tenggang; dan
tiada sebarang pengeluaran unit sebelum tarikh penolakan bulanan tersebut.

Nilai ILP bergantung kepada harga yang mendasari unit, mengikut prestasi dana pilihan anda. Dana pilihan anda dinyatakan
dalam ilustrasi jualan.
Peringatan: Sila baca ilustrasi jualan kerana ia memberi penerangan berkenaan manfaat produk dan objektif dana unit. Pemilihan
pelan atau kombinasi dana yang sesuai dengan matlamat kewangan dan profil risiko anda adalah amat penting.
3.
Berapakah premium yang saya perlu bayar?
Anggaran premium yang anda perlu bayar bagi pelan ini ialah: RM200.00 Bulanan
Nota:
(a) Premium yang anda perlu bayar dan terma polisi mungkin berbeza mengikut keperluan pengunderaitan Syarikat.
(b) Syarikat memperuntukkan sebahagian premium untuk membeli unit dalam dana unit yang anda pilih. Sebarang premium
yang tidak diperuntukkan akan digunakan untuk membayar komisen kepada ejen dan perbelanjaan lain oleh Syarikat. Anda
dinasihatkan untuk merujuk kadar peruntukan dan huraian lain yang dinyatakan dalam ilustrasi jualan.
4.
Apakah yuran dan caj yang saya perlu bayar?
Caj insurans ditolak secara bulanan daripada nilai unit anda. Caj insurans akan meningkat mengikut umur anda.
Caj insurans adalah tidak dijamin dan berbeza mengikut umur hari jadi berikut yang dicapai, jantina, status merokok dan
klasifikasi pekerjaan (mana yang berkenaan) pada setiap ulang tahun polisi. Huraian caj insurans dan caj lain bagi ILP
dinyatakan dalam ilustrasi jualan.
Cukai perkhidmatan semasa yang dikenakan kerajaan akan ditambah pada premium yang dinyatakan dalam soalan 3 di
atas, bagi premium yang dibayar oleh organisasi perniagaan selain daripada Syarikat.
5.
Apakah terma dan syarat utama yang saya perlu ketahui?
Kepentingan untuk membuat pendedahan - anda mestilah mendedahkan semua fakta yang material seperti keadaan
perubatan dan umur dengan betul.
Tempoh memerhati bebas - anda boleh membatalkan pelan dengan memulangkan polisi insurans dalam tempoh 15 hari
selepas menerimanya. Syarikat akan membayar balik premium yang tidak diperuntukkan, nilai unit yang telah diperuntukkan
(jika ada) mengikut harga unit pada tarikh penilaian yang berikutnya dan sebarang caj insurans serta yuran polisi yang
dikenakan setelah ditolak sebarang bayaran perubatan yang ditanggung.
Nilai tunai - nilai tunai ILP bergantung kepada prestasi dana unit yang dipilih. Lebih tinggi perlindungan insurans yang dipilih,
lebih banyak unit akan digunakan untuk membayar caj insurans dan unit yang tinggal hanya sedikit bagi mengumpul nilai
tunai di bawah pelan anda.
Tempoh tenggang - anda mempunyai tempoh tenggang selama 30 hari dari setiap tarikh premium berikut perlu dibayar
untuk membayar premium.
Polisi luput - Tertakluk kepada Jaminan Tidak Luput, ILP akan luput apabila nilai unit pelaburan tidak mencukupi bagi
membayar insurans dan caj lain.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah pelan ini.
6.
Apakah pengecualian utama di bawah pelan ini?
Keadaan sedia ada.
Kematian dalam tahun polisi pertama akibat bunuh diri, ketika waras atau tidak waras.
Hilang Upaya Total dan Kekal akibat kecederaan yang dilakukan sendiri, ketika waras atau tidak waras.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi senarai penuh pengecualian di bawah pelan ini.
PENANG BRANCH / 9999999 / 0281 / V02 / 0111
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7.
Bolehkah saya membatalkan pelan ini?

Membeli ILP dengan premium tetap adalah satu komitmen jangka panjang. Anda tidak dinasihatkan untuk memegang pelan ini
dalam jangka masa pendek memandangkan kos permulaan yang tinggi. Jika anda dapati dana yang dipilih tidak lagi
bersesuaian, anda mempunyai fleksibiliti untuk menukar dana.
8.
Apakah yang saya perlu lakukan jika terdapat perubahan butiran perhubungan saya / penama?
Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda / penama bagi
memastikan semua surat-menyurat dapat diserahkan kepada anda / penama dengan sepatutnya.
9.
Di manakah saya boleh mendapatkan maklumat lanjut?

Jika anda memerlukan maklumat lanjut, sila rujuk buku maklumat insurans yang relevan. Ia boleh didapati di semua cawangan
kami atau anda boleh mendapatkan salinan daripada ejen insurans atau layari www.insuranceinfo.com.my.
Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami di:
Ibu Pejabat
303 Jalan Ampang,
50450 Kuala Lumpur
Tel
: +603 4259 8888
Faks
: +603 4259 8000
: 1300-1300 88
E-mel
10. Jenis perlindungan lain yang serupa?

Sila semak dengan ejen anda atau terus menghubungi Syarikat bagi mendapatkan maklumat berkenaan jenis perlindungan lain
yang serupa.
NOTA PENTING:
INI MERUPAKAN PRODUK INSURANS DENGAN BERLANDASKAN PRESTASI YANG MENDASARI ASET DAN BUKAN SUATU
PRODUK PELABURAN SEBENAR SEPERTI UNIT AMANAH. ANDA MESTILAH MENILAI PILIHAN ANDA DENGAN SEBAIKNYA
DAN BERPUAS HATI BAHAWA PELAN INSURANS BERKAIT PELABURAN YANG DIPILIH MEMENUHI RISIKO DAN ANDA
MAMPU MEMBAYAR PREMIUM SEPANJANG TEMPOH POLISI. BAGI MENINGKATKAN NILAI PELABURAN PADA BILA-BILA
MASA, ANDA DINASIHATKAN UNTUK MEMBAYAR PREMIUM TAMBAHAN SEBAGAI "PENAMBAHAN". PULANGAN KE ATAS
DANA BERKAIT PELABURAN ADALAH TIDAK DIJAMIN. ANDA DIGALAKKAN UNTUK MELANTIK PENAMA DAN MEMASTIKAN
PENAMA ANDA DIMAKLUMKAN BERKENAAN PELAN YANG ANDA BELI. ANDA HENDAKLAH MEMBACA DAN MEMAHAMI
POLISI INSURANS ANDA SERTA BERBINCANG DENGAN EJEN ANDA ATAU TERUS MENGHUBUNGI SYARIKAT BAGI
MENDAPATKAN MAKLUMAT LANJUT.
Jika terdapat percanggahan antara versi Bahasa Inggeris dan Bahasa Malaysia untuk dokumen ini, versi Bahasa Inggeris akan
digunakan.
Maklumat yang disediakan dalam pemberitahuan produk ini adalah sah pada 15/03/2015.
PENANG BRANCH / 9999999 / 0281 / V02 / 0111
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Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan IL Critical Illness Benefit Rider.
Pastikan terma dan syarat am telah dibaca.
Nama Produk
: IL Critical Illness Benefit Rider
Tarikh
: 15/03/2015
__________________________________________________________________________________________________________
1.
Apakah produk ini?

IL Critical Illness Benefit Rider ialah rider dengan penolakan unit yang menyediakan perlindungan jika salah satu daripada
kejadian yang dilindungi berlaku. Rider ini akan mengurangkan jumlah asurans pelan asas.
2.

Jumlah asurans bagi rider ini ialah RM30,000. Ia akan dibayar dalam satu jumlah sekali gus apabila salah satu daripada kejadian
yang dilindungi seperti disenaraikan dalam kontrak polisi (kecuali Angioplasti Dan Rawatan Pembedahan Lain Untuk Penyakit
Arteri Koronari Utama*, iaitu pembayaran tuntutan tertakluk kepada maksimum RM25,000 bagi setiap hayat atau 10% daripada
jumlah asurans rider, mana yang lebih rendah) berlaku. Semasa tuntutan di bawah rider ini, jumlah asurans asas polisi yang
melampirkan rider ini akan dikurangkan mengikut amaun sama yang dibayar.
*Selepas tuntutan ke atas Angioplasti Dan Rawatan Pembedahan Lain Untuk Penyakit Arteri Koronari Utama dibuat, jumlah
asurans rider akan dikurangkan sewajarnya. Sebagai tambahan, tuntutan ke atas kejadian yang dilindungi lain masih dibenarkan,
tertakluk kepada baki amaun jumlah asurans rider.
Jika suatu tuntutan yang sah berlaku sebelum umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan digunakan.
Tempoh perlindungan: 72 tahun atau sehingga penamatan, mana yang berlaku dahulu.
3.

Tidak berkenaan bagi rider dengan penolakan unit. Sila rujuk soalan 4 di bawah untuk caj insurans.
4.
Caj insurans ditolak secara bulanan daripada nilai unit anda.
Caj insurans adalah tidak dijamin dan bergantung kepada umur hari jadi berikut yang dicapai, jantina, status merokok dan
klasifikasi pekerjaan (mana yang berkenaan) pada setiap ulang tahun polisi. Huraian caj insurans dinyatakan dalam ilustrasi
jualan dan/atau kontrak polisi.
5.
Tempoh memerhati bebas - anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat
akan menguatkuasakan semula unit yang telah ditolak bagi pembayaran caj insurans setelah menolak sebarang bayaran
perubatan yang ditanggung.
Polisi luput - Rider ini akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar caj insurans.
Tempoh menunggu - kelayakan untuk perlindungan kejadian yang dilindungi hanya akan bermula 30 hari atau 60 hari
(bergantung kepada jenis kejadian yang dilindungi) selepas tarikh berkuat kuasa atau tarikh penguatkuasaan semula rider
ini, mana yang kemudian.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah rider ini.
6.
Apakah pengecualian utama di bawah rider ini?
Sebarang keadaan sedia ada.
Kejadian yang dilindungi akibat kecederaan yang dilakukan sendiri ketika waras atau tidak waras.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi senarai penuh pengecualian di bawah rider ini.
7.
Bolehkah saya membatalkan rider ini?

Anda boleh membatalkan rider ini dengan memberi notis bertulis kepada Syarikat.
8.
Apakah yang saya perlu lakukan jika terdapat perubahan butiran perhubungan saya?
Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda bagi memastikan
semua surat-menyurat dapat diserahkan kepada anda dengan sepatutnya.
9.

Ibu Pejabat
303 Jalan Ampang,
50450 Kuala Lumpur
Tel
: +603 4259 8888
Faks
: +603 4259 8000
: 1300-1300 88
E-mel

yang serupa.
PENANG BRANCH / 9999999 / U100 / V00 / 0112
Page 41 of 51
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NOTA PENTING:
ANDA SEHARUSNYA BERPUAS HATI BAHAWA RIDER INI AKAN MEMENUHI KEPERLUAN ANDA DENGAN SEBAIKNYA. ANDA
HENDAKLAH MEMBACA DAN MEMAHAMI POLISI INSURANS ANDA SERTA BERBINCANG DENGAN EJEN ANDA ATAU TERUS
MENGHUBUNGI SYARIKAT BAGI MENDAPATKAN MAKLUMAT LANJUT.
digunakan.
PENANG BRANCH / 9999999 / U100 / V00 / 0112
Page 42 of 51
murali
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan SmartMedic. Pastikan terma dan
syarat am telah dibaca.
Nama Produk
: SmartMedic
Tarikh
: 15/03/2015
__________________________________________________________________________________________________________
1.
Apakah produk ini?

SmartMedic ("SM") ialah rider dengan penolakan unit yang menyediakan perlindungan bagi kemasukan hospital dan
perbelanjaan pembedahan yang ditanggung akibat penyakit atau kecederaan kemalangan.
Ia turut didatangkan dengan ciri produk yang unik iaitu Had Tahunan Keseluruhan Permulaan akan bertambah pada akhir setiap
tahun polisi ketiga (ke-3) bermula dari tarikh risiko berkuat kuasa SM dengan syarat tiada tuntutan telah dibuat dalam selang
masa 3 tahun polisi sebelumnya. Setiap penambahan (jika berkenaan) adalah bersamaan dengan 10% daripada Had Tahunan
Keseluruhan Permulaan.
2.

Terdapat lima pilihan rider dengan kadar bilik dan hidangan harian RM100, RM150, RM200, RM300 dan RM400 masing-masing.
Rider yang telah anda pilih ialah: SM150
Jenis Pelan
No.
Manfaat yang Diinsuranskan
SM100
(RM)
SM150
(RM)
SM200
(RM)
SM300
(RM)
SM400
(RM)
100
150
200
300
Bilik dan Hidangan Hospital
(Had sehari, tertakluk kepada maksimum 180 hari Seperti caj yang dikenakan, tertakluk kepada had yang
setiap tahun polisi bagi agregat Perkara (I) dan (II)) dinyatakan di atas.
II
Unit Rawatan Rapi

(Tertakluk kepada maksimum 180 hari setiap tahun Seperti caj yang dikenakan.
polisi bagi agregat Perkara (I) dan (II))
III
Bekalan dan Khidmat Hospital
IV
Bayaran Pembedahan
Dewan Bedah
VI
Bayaran Pakar Bius
VII
Lawatan Pakar Perubatan Dalam Hospital

(2 lawatan sehari)
VIII
Ujian Diagnosis Sebelum Kemasukan Hospital

(Dalam tempoh 60 hari sebelum kemasukan
hospital)
Pembayaran balik Bayaran Munasabah dan Biasa yang

konsisten dengan bayaran biasa seperti dikenakan untuk wad
atau bilik dan hidangan yang lebih kurang dan dalam lingkungan
amaun had harian yang dinyatakan dalam manfaat Bilik dan
Hidangan Hospital di bawah pelan yang diinsuranskan.
IX
Rundingan Pakar Sebelum Kemasukan Hospital

(Dalam tempoh 60 hari sebelum kemasukan
hospital)
Tertakluk kepada insurans bersama 10%, sehingga maksimum

RM500;
Rawatan Selepas Kemasukan Hospital

(Dalam tempoh 90 hari selepas keluar hospital)
XI
Pemindahan Organ
XII
Bayaran Ambulans
XIII
Pembedahan Harian
XIV
Rawatan Kanser Pesakit Luar
XV
Rawatan Dialisis Buah Pinggang Pesakit Luar
XVI
Rawatan Kemalangan Kecemasan Pesakit Luar

(Had setiap tahun polisi, tertakluk kepada
maksimum 30 hari dari tarikh kemalangan)
PENANG BRANCH / 9999999 / U66 / V05 / 0613
400
Seperti caj yang dikenakan.
Jika menaik taraf Bilik dan Hidangan Hospital, insurans bersama

20% dengan had maksimum RM3,0001 akan dikenakan.
Seperti caj yang dikenakan.

Tertakluk kepada insurans bersama 10%.
2,000
3,000
4,000
6,000
8,000
Seperti caj yang dikenakan, tertakluk kepada had yang

dinyatakan di atas.
Page 43 of 51
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XVII
Elaun Tunai Harian di Hospital Kerajaan Malaysia

(Sehari, tertakluk kepada maksimum 120 hari setiap
tahun polisi)
XVIII
Had Tahunan Keseluruhan Permulaan bagi Perkara

(I) hingga (XVII)
(Berdasarkan amaun yang dibayar)
60,000
90,000
120,000
160,000
200,000
XIX
Penambahan kepada Had Tahunan Keseluruhan

Permulaan2
6,000
9,000
12,000
16,000
20,000
XX
Had Tahunan Keseluruhan bagi perkara (I) hingga

(XVII)
Jumlah Had Tahunan Keseluruhan Permulaan dan sebarang

penambahan kumulatif bagi Had Tahunan Keseluruhan
Permulaan
XXI
Had Seumur Hidup Keseluruhan bagi Perkara (I)

hingga (XVII)
600,000
900,000
1,200,000
1,600,000
2,000,000
XXII
Manfaat Kematian Kemalangan
10,000
10,000
15,000
20,000
20,000
XXIII
Supreme Assist
(Khidmat Bantuan Perubatan Kecemasan)
Menurut peruntukan manfaat dalam perjanjian Supreme Assist
XXIV
Car Assistance Programme
Menurut peruntukan manfaat dalam perjanjian Car Assistance

Programme
50
Nota:
1
Syarikat berhak menyemak semula had maksimum insurans bersama dengan memberi notis bertulis sekurang-kurangnya 30
hari terlebih dahulu.
Penambahan kepada Had Tahunan Keseluruhan Permulaan akan dikira pada akhir setiap tahun polisi ketiga (ke-3) bermula
dari tarikh risiko berkuat kuasa SM dengan syarat tiada tuntutan telah dibuat dalam selang masa 3 tahun polisi sebelumnya.
Jika suatu tuntutan dibuat dalam mana-mana 3 tahun polisi, Penambahan Had Tahunan Keseluruhan Permulaan tidak akan
dikira pada akhir 3 tahun polisi tersebut. Namun, pengiraan Penambahan Had Tahunan Keseluruhan Permulaan akan
dikenakan semula jika tiada tuntutan dibuat dalam tempoh selang masa 3 tahun polisi sebelumnya.
3.

4.
Caj insurans adalah tidak dijamin dan berbeza mengikut umur hari jadi berikut yang dicapai, jantina, status merokok, keadaan
kesihatan dan klasifikasi pekerjaan (mana yang berkenaan). Anda boleh merujuk kepada Illustrasi Jualan dan/atau kontrak
polisi bagi mendapatkan maklumat terperinci berkenaan caj insurans.
5.
perubatan, pekerjaan anda serta tuntutan peribadi, mana yang akan mempengaruhi profil risiko anda dan umur dengan betul.
Tempoh menunggu kelayakan bagi manfaat yang diinsuranskan untuk penyakit akan bermula 30 hari selepas tarikh risiko
berkuat kuasa rider ini. Bagi penyakit tertentu, tempoh menunggu selama 120 hari akan digunakan.
Insurans bersama i. 10% insurans bersama akan dikenakan, jika berkenaan, sehingga maksimum RM500 (kecuali Rawatan Kanser Pesakit
Luar dan Rawatan Dialisis Buah Pinggang Pesakit Luar, serta tiada had maksimum bagi insurans bersama).
ii. Jika menaik taraf Bilik dan Hidangan Hospital, insurans bersama 20% dengan had maksimum RM3,000 akan dikenakan.
Syarikat berhak menyemak semula had maksimum insurans bersama dengan memberi notis bertulis sekurang-kurangnya 30
hari terlebih dahulu.
Penyelarasan manfaat Syarikat akan memberi pampasan mengikut dasar bersekadar jika anda mempunyai perlindungan
kemasukan hospital lain dalam bentuk pembayaran balik dengan Syarikat atau sumber lain, atau sedang menerima
pampasan daripada sumber lain bagi kecederaan atau sakit atau penyakit.
Syarat penarikan balik portfolio - Syarikat berhak membatalkan portfolio SM secara keseluruhan jika ia memutuskan untuk
tidak meneruskan pengunderaitan rider ini.
6.
Sakit sedia ada.
Penyakit tertentu yang berlaku dalam masa 120 hari pertama dari tarikh risiko berkuat kuasa rider ini.
Sebarang rawatan perubatan yang diterima di luar Malaysia, jika anda menetap atau melancong di luar Malaysia lebih
daripada 90 hari berturut-turut.
PENANG BRANCH / 9999999 / U66 / V05 / 0613
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7.

8.
9.

Ibu Pejabat
303 Jalan Ampang,
50450 Kuala Lumpur
Tel
: +603 4259 8888
Faks
: +603 4259 8000
: 1300-1300 88
E-mel

yang serupa.
NOTA PENTING:
Istilah tahun polisi jika dinyatakan dalam Risalah Pemberitahuan Produk ini merujuk kepada tahun polisi bagi SmartMedic.
digunakan.
PENANG BRANCH / 9999999 / U66 / V05 / 0613
Page 45 of 51
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Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan IL Hospitalisation Benefits Rider.
Nama Produk
: IL Hospitalisation Benefits Rider
Tarikh
: 15/03/2015
__________________________________________________________________________________________________________
1.
Apakah produk ini?

IL Hospitalisation Benefits Rider (IL-HB) ialah rider dengan penolakan unit yang menyediakan manfaat tunai harian ("manfaat
kemasukan hospital") semasa kemasukan hospital kerana sakit atau kecederaan kemalangan.
2.

Manfaat kemasukan hospital bagi rider ini ialah RM50 sehari. Ia akan dibayar semasa kemasukan hospital kerana sakit atau
kecederaan kemalangan, tertakluk kepada terma dan syarat.
Semasa berlaku suatu tuntutan yang sah, Syarikat akan membayar:
manfaat kemasukan hospital bagi setiap hari kemasukan di bilik dan hidangan hospital;
1 kali tambahan manfaat kemasukan hospital akan dibayar bagi setiap hari kemasukan hospital di Unit Rawatan Rapi ("ICU"),
tertakluk kepada maksimum 150 hari dalam satu tahun polisi dan had seumur hidup keseluruhan sebanyak 500 hari.
Jika suatu tuntutan yang sah (kecuali kecederaan kemalangan) berlaku sebelum umur 3 tahun hari jadi berikutnya, lien kanakkanak akan digunakan.
Umur Hari Jadi Berikut
pada Ulang Tahun Polisi
sebelum suatu tuntutan
yang sah berlaku
Bilik dan Hidangan Hospital
ICU
50% daripada manfaat kemasukan

hospital
100% daripada manfaat kemasukan hospital

hospital
3 - 80

hospital
3.

4.
Caj insurans adalah tidak dijamin dan berbeza mengikut umur hari jadi berikut yang dicapai, jantina dan klasifikasi pekerjaan
pada setiap ulang tahun polisi. Huraian caj insurans dinyatakan dalam ilustrasi jualan dan/atau kontrak polisi.
5.
Kepentingan untuk membuat pendedahan anda mestilah mendedahkan semua fakta yang material seperti keadaan
perubatan, pekerjaan anda serta tuntutan peribadi, mana yang akan mempengaruhi profil risiko anda dan menyatakan umur
dengan betul.
Polisi luput Rider ini akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar caj insurans.
Tempoh menunggu kelayakan untuk manfaat kemasukan hospital akibat penyakit hanya akan bermula 30 hari selepas
tarikh berkuat kuasa atau tarikh penguatkuasaan semula bagi rider ini, mana yang kemudian.
Syarat penarikan balik portfolio Syarikat berhak membatalkan portfolio IL-HB secara keseluruhan jika ia memutuskan untuk
tidak meneruskan pengunderaitan rider ini.
6.
Sakit sedia ada.
Bunuh diri, percubaan membunuh diri atau kecederaan yang dilakukan sendiri, ketika waras atau tidak waras.
7.

8.
PENANG BRANCH / 9999999 / U75 / V00 / 0310
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9.

Ibu Pejabat
303 Jalan Ampang,
50450 Kuala Lumpur
Tel
: +603 4259 8888
Faks
: +603 4259 8000
: 1300-1300 88
E-mel
10. Jenis perlindungan lain yang serupa

yang serupa.
NOTA PENTING:
digunakan.
PENANG BRANCH / 9999999 / U75 / V00 / 0310
Page 47 of 51
murali
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk IL Comprehensive Accident Benefits Xtra Rider.
Nama Produk
: IL Comprehensive Accident Benefits Xtra Rider
Tarikh
: 15/03/2015
__________________________________________________________________________________________________________
1.
Apakah produk ini?

IL Comprehensive Accident Benefits Xtra Rider ialah rider dengan penolakan unit yang menyediakan perlindungan semasa
kematian, Hilang Upaya Total dan Kekal ("TPD") atau hilang upaya sementara, disebabkan semata-mata dan secara langsung
daripada kemalangan. Ia membayar balik perbelanjaan perubatan dan menyediakan manfaat tambahan tanggung rugi mingguan
bagi kemasukan hospital di hospital kerajaan Malaysia.
Rider ini didatangkan dengan insentif pembaharuan iaitu jumlah asurans bagi rider ini akan bertambah sebanyak 5% berdasarkan
jumlah asurans asal setiap tahun sehingga maksimum 150% daripada jumlah asurans asal.
2.

Jumlah asurans asal bagi rider ini ialah RM30,000.
Manfaat akan dibayar sekiranya perkara berikut berlaku kepada hayat yang diasuranskan disebabkan semata-mata dan secara
langsung daripada kemalangan:
(a) kematian dalam tempoh 90 hari daripada kemalangan - 100% daripada jumlah asurans semasa*;
(b) kematian dalam tempoh 90 hari daripada kemalangan semasa menaiki pengangkutan awam (selain daripada kereta kabel,
teksi, kereta sewa atau sebarang bentuk pengangkutan yang disewa bagi perjalanan persendirian) atau lif elektrik atau akibat
kebakaran sebarang teater atau pawagam - 200% daripada jumlah asurans semasa*;
(c) TPD dalam tempoh 90 hari daripada kemalangan dengan syarat TPD telah berterusan untuk sekurang-kurangnya 6 bulan
berturut-turut dari tarikh hilang upaya - 100% daripada jumlah asurans semasa*;
(d) hilang upaya kekal dalam tempoh 90 hari dari kecederaan kemalangan - suatu peratusan** daripada jumlah asurans
semasa*;
(e) pembayaran balik perbelanjaan perubatan bagi pembedahan, hospital, klinik atau khidmat kejururawatan di rumah - RM25
bagi setiap RM1,000 jumlah asurans asal (tertakluk kepada maksimum RM3,000 bagi setiap kemalangan);
(f) hilang upaya sementara, keseluruhan & berterusan - tanggung rugi mingguan sebanyak RM7.50 bagi setiap RM1,000 jumlah
asurans asal sehingga 52 minggu** bagi setiap kemalangan, dalam agregat dengan manfaat yang dibayar bagi (g) di bawah;
(g) hilang upaya sementara, separa & berterusan - tanggung rugi mingguan sebanyak RM1.75 bagi setiap RM1,000 jumlah
asurans asal sehingga 52 minggu** bagi setiap kemalangan, dalam agregat dengan manfaat yang dibayar bagi (f) di bawah;
(h) kemasukan hospital di hospital kerajaan Malaysia - tambahan tanggung rugi mingguan sebanyak RM3.00 bagi setiap
RM1,000 jumlah asurans asal sehingga 25 minggu**;
(i) elaun ihsan bagi kematian akibat kemalangan - 5% daripada jumlah asurans asal (tertakluk kepada maksimum RM5,000);
tertakluk kepada terma dan syarat yang dinyatakan dalam kontrak polisi.
*Jumlah asurans semasa = jumlah asurans asal + insentif pembaharuan
**Tertakluk kepada had yang dinyatakan dalam kontrak polisi.
3.

4.
Caj insurans adalah tidak dijamin dan berbeza mengikut klasifikasi pekerjaan pada setiap ulang tahun polisi. Huraian caj
insurans dinyatakan dalam ilustrasi jualan dan/atau kontrak polisi.
Nota: Diskaun akan dikenakan ke atas caj insurans (tidak termasuk premium tambahan, jika ada) rider ini bagi empat tahun polisi
pertama pelan asas yang dilampirkan dengan rider ini. Diskaun tidak dikenakan bagi rider ini jika ia dilampirkan bermula dari
tahun polisi ke-5 pelan asas.
5.
perubatan, pekerjaan anda serta tuntutan peribadi, mana yang akan mempengaruhi profil risiko anda, jumlah polisi
kemalangan diri yang anda beli daripada syarikat insurans lain (jika berkenaan).
akan menguatkuasakan semula unit yang telah ditolak untuk pembayaran caj insurans setelah ditolak sebarang bayaran
6.
Bunuh diri, percubaan membunuh diri atau kecederaan yang dilakukan sendiri, ketika waras atau tidak waras.
Daripada penglibatan dalam pesawat udara selain daripada anak kapal atau sebagai penumpang yang membayar tambang
dalam syarikat penerbangan komersil berlesen yang beroperasi pada laluan berjadual yang biasa.
7.

PENANG BRANCH / 9999999 / U74 / V01 / 0111
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8.
9.

Ibu Pejabat
303 Jalan Ampang,
50450 Kuala Lumpur
Tel
: +603 4259 8888
Faks
: +603 4259 8000
: 1300-1300 88
E-mel
10. Jenis perlindungan lain yang serupa

yang serupa.
NOTA PENTING:
ANDA DINASIHATKAN SUPAYA MEMBERI PERHATIAN TERHADAP SKALA MANFAAT BAGI KEMATIAN DAN HILANG UPAYA
DALAM POLISI INSURANS ANDA. ANDA HENDAKLAH MEMBACA DAN MEMAHAMI POLISI INSURANS ANDA SERTA
BERBINCANG DENGAN EJEN ANDA ATAU TERUS MENGHUBUNGI SYARIKAT BAGI MENDAPATKAN MAKLUMAT LANJUT.
digunakan.
PENANG BRANCH / 9999999 / U74 / V01 / 0111
Page 49 of 51
murali
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan IL Premium Waiver Extra Rider.
Nama Produk
: IL Premium Waiver Extra Rider
Tarikh
: 15/03/2015
__________________________________________________________________________________________________________
1.
Apakah produk ini?

IL Premium Waiver Extra Rider ialah rider dengan penolakan unit yang mengenepikan premium apabila Hilang Upaya Total dan
Kekal (TPD) atau salah satu daripada kejadian yang dilindungi (kecuali Angioplasti Dan Rawatan Pembedahan Lain Untuk
Penyakit Arteri Koronari Utama) berlaku.
2.

Rider ini mengenepikan premium bagi:
TPD sebelum umur 70 tahun hari jadi berikutnya; atau
salah satu daripada kejadian yang dilindungi seperti disenaraikan dalam kontrak polisi (kecuali Angioplasti Dan Rawatan
Pembedahan Lain Untuk Penyakit Arteri Koronari Utama) berlaku,
mana yang berlaku dahulu, tertakluk kepada tempoh perlindungan serta terma dan syarat lain yang dinyatakan dalam kontrak
polisi.
Tempoh perlindungan: 72 tahun atau semasa penamatan, mana yang berlaku dahulu.
3.

4.
Caj insurans adalah tidak dijamin dan bergantung kepada umur hari jadi berikut yang dicapai, jantina, status merokok dan
klasifikasi pekerjaan (mana yang berkenaan) pada setiap ulang tahun polisi. Huraian caj insurans dinyatakan dalam ilustrasi
jualan dan/atau kontrak polisi.
5.
Kepentingan untuk membuat pendedahan anda hendaklah mendedahkan semua fakta yang material seperti keadaan
Tempoh memerhati bebas anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat
akan membayar balik caj insurans yang dikenakan setelah ditolak sebarang bayaran perubatan yang ditanggung.
Polisi luput Rider ini akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar caj insurans.
Tempoh menunggu kelayakan untuk perlindungan kejadian yang dilindungi hanya akan bermula 30 hari atau 60 hari
(bergantung kepada jenis kejadian yang dilindungi) selepas tarikh berkuat kuasa atau tarikh penguatkuasaan semula rider ini,
mana yang kemudian.
6.
Sebarang keadaan sedia ada.
TPD atau kejadian yang dilindungi akibat kecederaan yang dilakukan sendiri ketika waras atau tidak waras.
7.

8.
9.

Ibu Pejabat
303 Jalan Ampang,
50450 Kuala Lumpur
Tel
: +603 4259 8888
Faks
: +603 4259 8000
: 1300-1300 88
E-mel

yang serupa.
NOTA PENTING:
PENANG BRANCH / 9999999 / U102 / V00 / 0112
Page 50 of 51
digunakan.
Page 51 of 51

QT Nil P 0281201503151442615

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Great Eastern Life Assurance (Malaysia) Berhad

A Life Insurance Benefit Illustration For

SmartProtect Essential Insurance 2

PRESENTED BY : PENANG BRANCH (9999999)

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

: 0281 SmartProtect Essential Insurance 2

Total & Permanent Disability (TPD)

Pregnancy & Neonatal Benefit / Infant

Covered Event Benefit

Medical Benefit (1) - SmartMedic

Room & Board (R&B) Limit

II) Outpatient Treatment Benefit

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Unit deduction rider(s)

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Investment Strategy Selected

: 27 Very Dynamic(Islamic Funds) ^

Unit Fund(s) Selected

Lion Balanced Fund

Unit Fund(s) Selected

Weighted Projected Gross Investment Return X% and Y%

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Weighted Projected Gross Investment Return #

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

Age at End Total Premium

Net Projected Investment Return

Net Projected Investment Return

Great Eastern Life Assurance (Malaysia) Berhad (93745-A)

Net Cash Value

PENANG BRANCH / 9999999 / (GELSIS-5.45)

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Description of Fund Objectives

These charges are taken out from your Unit Fund(s).

(a) Policy Fee

This is the amount that will be payable on your death.

TPD resulting from self-inflicted injuries, while sane or insane.

U75 IL Hospitalisation Benefits Rider (IL HB)

Prepared by : PENANG BRANCH

PENANG BRANCH / 9999999 / (GELSIS-5.45)

Product Disclosure Sheet

What is this product about?

What are the covers / benefits provided?

How much premium do I have to pay?

What are the fees and charges that I have to pay?

What are the major exclusions under this plan?

Can I cancel my plan?

PENANG BRANCH / 9999999 / 0281 / V02 / 0111

Product Disclosure Sheet

What do I need to do if there are changes to my / my nominee(s) contact details?

Where can I get further information?

10. Other similar types of cover available?

PENANG BRANCH / 9999999 / 0281 / V02 / 0111

Product Disclosure Sheet

What is this product about?

What are the covers / benefits provided?

How much premium do I have to pay?

What are the fees and charges that I have to pay?

What are the major exclusions under this rider?

Any pre-existing conditions.

Covered event resulting from self-inflicted injuries, while sane or insane.

Can I cancel my rider?

What do I need to do if there are changes to my contact details?