aia myfamily pa brochure
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My Family PA
PROTECTION
Get an affordably priced coverage and income protection plan for 10 years with disability allowance.
Your familydeserves extra PA protection
My Family PA 1
My Family PAAccident protection, worldwide + yearly cash allowance for up to 10 years
Table of Benefits Premium
Note: • Extrapremiumsmaybeaddedtothestandardpremiumsifthepresentedriskislargerthanthestandardrisk.
• Inadditiontothepremium,astampdutyofRM10ispayabletotheGovernment.Thisstampdutyispayableeachyearonthepolicyanniversary.
• Thepremiumislikelytoremainthesame.However,wereservetherighttochangeitinlinewiththeapplicablepremiumatthetimeofrenewal.
• Childcoverageisat50%ofbenefitlevelforAccidentLivingBenefit,AccidentalDeathBenefitandMedicalReimbursementBenefitonly.
•Pleasenotethatwitheffectfrom1April2015,aGoodsandServicesTaxattherateof6%willbe chargeableonthepremiumamountpayable.
60,000 100,000 200,000 400,000 600,000
30,000 50,000 100,000 200,000 300,000
3,000 5,000 8,000 10,000 12,000
6,000 10,000 12,000 18,000 24,000
WaiverofPremium(s)
Benefits
Plan
Amount of Cover (RM)
Annual Premium (RM) (Inclusive of 6% GST)
Class 1 & 2 Class 3 & 4
AccidentLivingBenefit AccidentalDeathBenefit
MedicalReimbursementBenefit
DisabilityAllowance(Assuredonly)–peryearformaximum10years
PayorBenefit(Assuredonly)
Plan 1 Plan 2 Plan 3 Plan 4 Plan 5
Self & Children Self & Spouse Whole Family Self & Children Self & Spouse Whole Family
1 193.98 213.06 276.66 263.94 283.02 346.62
2 323.30 355.10 461.10 439.90 471.70 577.70
3 578.23 638.12 836.87 777.51 837.40 1,036.15
4 1,027.67 1,136.32 1,494.07 1,353.09 1,461.74 1,819.49
5 1,477.11 1,634.52 2,151.27 1,928.67 2,086.08 2,602.83
My Family PA2
Definition of Benefits
• Ifyou/yourspouse/yourchildhasanaccidentandsufferanyoneofthefollowinglosseswithin365daysofthisaccident:
a) Dismemberment/Loss–basedontheseverityofyour/yourspouse’s/yourchild’sinjuries,youwillreceiveapercentageofthetotalamountofcover(asshownintheTableofBenefits).For‘ScheduleofIndemnitiesforAccidentLivingBenefit’inthisflyer.
b) PermanentTotalDisability–foraninjurycommencingwithin365daysfromaccidentdate,youwillreceivethetotalamountofcover(asshownintheTableofBenefits)lessanyamountpaidforDismemberment/Lossbenefit,if,after12monthsofyour/yourspouse’s/yourchild’saccident,you/yourspouse/yourchildisstillunabletodoanyofthefollowing:
i) Anyjobthatyou/yourspouseisqualifiedforbyyour/yourspouse’seducationoristrained/experiencedin;or
ii) Performthreeormoreofthefollowing‘ActivitiesofDailyLiving’byyou/yourspouse/yourchild:
• Gettinginandoutofachairwithoutrequiringphysicalassistance;
• Beingabletomovefromroomtoroomwithoutrequiringanyphysicalassistance;
• Beingabletovoluntarilycontrolbowelandbladderfunctionstomaintainpersonalhygiene;
• Puttingonandtakingoffallnecessaryitemsofclothingwithoutrequiringtheassistanceofanotherperson;
• Beingabletowashinthebathorshower(includinggettinginoroutofthebathorshower),orwashbyanyothermeans;and
• Alltasksofgettingfoodintothebodyonceithasbeenprepared. • Ifyou/yourspouse/yourchildhasanaccidentandsufferslossoflife
within365daysofthisaccident,thetotalamountofcover(asshownintheTableofBenefits)willbepaid.
• Youwillbereimbursedforthemedicalandsurgicalexpenses,suchasinpatientandoutpatienttreatmentbyaRegisteredMedicalPractitionerorSurgeon,within52weeksofyour/yourspouse’s/yourchild’saccident,uptotheamountshowninTableofBenefitsforeachaccident.
• RegisteredMedicalPractitionerorSurgeonisapersonwhoislegallyauthorisedinthegeographicalareaofhis/hervocationtopracticemedicineandsurgery.He/shemustbequalifiedbydegreeinwesternmedicine,andmustnotberelatedtoyou/yourspouseasyourAIAagent,businesspartner(s),employeroremployee,immediatefamilymemberorpolicyholderforthisplan.
• InadditiontopaymentoftheAccidentLivingBenefit(asdescribedonthisflyer),youwillreceivetheamountshownintheTableofBenefitseachyear,foramaximumof10years,ifyousufferthefollowinglossor
AccidentLivingBenefit
AccidentalDeathBenefit
MedicalReimbursementBenefit
DisabilityAllowance(applicabletoAdultPlanonly)
Benefits Definitions
My Family PA 3
Benefits Definitions
disabilityastheresultoftheaccidentwithin365daysofyouraccident: - Permanenttotaldisability(asdescribedinitem(b)ofAccidentLiving
Benefit); - Permanenttotallossofsightofbotheyesoroneeye; - Permanenttotallossofspeechandhearing; -Lossoforthepermanenttotallossofuseoftwolimbsoronelimb; - Permanentandincurableinsanity;or - Totalparalysis.• ThisbenefitisonlypayableprovidedthebenefitsunderAccident
LivingBenefitispayable.Itisalsosubjecttoyourcontinueddisabilitythroughoutthepaymentperiod.
• Ifyouhaveanaccidentandsufferlossoflifeoraccidentallossofwhich100%oftheamountofcoverofDismemberment/LossorPermanentTotalDisabilityasdefinedinAccidentLivingBenefit,weshall,uponpaymentofAccidentalDeathBenefitor100%oftheamountofcoverofDismemberment/LossorPermanentTotalDisability,subjecttothetermsandprovisionsasstatedinthepolicycontract,waivethepremiumspayableunderthisplanforyourremainingcoveredspouseandchild.Thefirstpremiumsowaivedshallbetheonefallingdueimmediatelyafterthe date on which such accidental death occurs or commencement of suchpermanenttotaldisability.
• Acceptanceofwaiverofpremiumshallnotaffectotherbenefits,i.e.AccidentLivingBenefit,AccidentalDeathBenefit,MedicalReimbursementBenefitandDisabilityAllowance,andthepolicyshallcontinue in force on the life of your spouse and your child as if the premiumwaivedhavebeendulypaid.
• Thisbenefitshallautomaticallyterminateinaccordancetothe“TerminationofInsurance”clauseasstatedinthepolicycontract.
• Foreachyearthatyourenewyourpolicy,you/yourspouse/yourchildwillreceivea5%RenewalBonusontheamountofcoverfortheAccidentLivingBenefit(asdescribedonpage1ofthisflyer).AmaximumofRM300,000ofthetotaloriginalamountofcover(includingallyour/yourspouse’s/yourchild’sAIApersonalaccidentpoliciesthatprovideRenewalBonus)iseligibleforthisRenewalBonus.
• ThisbonuswillbeaddedtothetotalamountofcoverfortheAccidentLivingBenefitforuptoeightpolicyyears.
• Intheeventyouhaveclaimedlessthan100%ascontainedintheScheduleofIndemnitiesforAccidentLivingBenefit,yourcovershallcontinueforthebalancepercentageoftheamountofcoverofDismemberment/LossasdefinedinAccidentLivingBenefitbutonlyoftheun-expiredperiodforwhichpremiumhasalreadybeenpaid.Thereafter,yourpolicyshallterminate.
• Yourspouse’s/yourchild’scovermaycontinuetobeinforcebyconversionintoanewpolicywithyourspouseastheAssured(whereapplicable),providedthefollowingsarereceivedbyuswithin90days
PayorBenefit(applicabletoAssuredonly)
RenewalBonus
ConversionPrivilege(applicabletoAssuredSpouse/AssuredChildonly)
My Family PA4
Events %ofAmountofCover
Permanenttotallossofsightofbotheyes.......................................................................100%Permanenttotallossofsightofoneeye..........................................................................100%Lossof,orthepermanenttotallossoftheuseof,twolimbs................................................100%Lossof,orthepermanenttotallossoftheuseof,onelimb.................................................100%Permanenttotallossofspeechandhearing.....................................................................100%Permanentandincurableinsanity..................................................................................100%Totalparalysis............................................................................................................100%Permanenttotallossofhearing:bothears....................................................................................................................75%oneear...................................................................................................................... 25%Permanenttotallossofspeech.......................................................................................50%Permanenttotallossofthelensofoneeye........................................................................50%Lossof,orthepermanenttotallossoftheuseof,fourfingersandthumbof:righthand..................................................................................................................70%lefthand.................................................................................................................... 50%Lossof,orthepermanenttotallossoftheuseof,fourfingersof:righthand..................................................................................................................40%lefthand.................................................................................................................... 30%Lossof,orthepermanenttotallossofuseof,thumb(s):bothrightdigits.......................................................................................................... 30%onerightdigit.............................................................................................................15%bothleftdigits............................................................................................................ 20%oneleftdigit...............................................................................................................10%Lossof,orthepermanenttotallossofuseof,finger(s):threerightdigits..........................................................................................................10%tworightdigits...........................................................................................................7.5%onerightdigit...............................................................................................................5%threeleftdigits...........................................................................................................7.5%twoleftdigits................................................................................................................5%oneleftdigit.................................................................................................................2%
Benefits Definitions
fromthedateoftheaccident. i) awrittenapplicationforconversion, ii) appropriatepremiums(includepremiumsinarrearsifanyunderthis
policy)fortheconvertedplanforyourspouse/yourchild, iii)therequiredstampdutyforissuanceofyourspouse’s/yourchild’s
newpolicyuponconversion.• ThevestedRenewalBonus(ifany)onyourspouse/yourchildshallbe
carriedforwardtoyourspouse’s/yourchild’snewpolicy.Thenewpolicyeffectivedateandpremiumspayableforyourspouse/yourchildshallremainunchanged.Nochangeintheplanandnoadditionof spouse/childmaybemadetothenewpolicy.
• TheConversionPrivilegeshallbesubjecttoourprevailingprocedureandrequirementtheninforce.
Schedule of Indemnities for Accidental Living Benefit
My Family PA 5
Events %ofAmountofCover
Lossof,orthepermanenttotallossofuseof,toe(s):all–onefoot...............................................................................................................15%bigtoe–twodigits.........................................................................................................5%bigtoe–onedigit..........................................................................................................3%anyothertoe,each........................................................................................................2%Fracturedlegorpatellawithestablishednon-union(despiteappropriatemedicalintervention)after26weeksofthedateofaccident.................................................10%Shorteningoflegbyatleast5cm................................................................................... 7.5%
• Wehavesolediscretionindeterminingthepercentageofcompensationpayableforanypermanentandtotaldisabilitynotdescribedabove.
• Ifyou/yourspouse/yourchildisleft-handed,thepercentageofbenefitspayableforthevariousdisabilitiesoftherighthandandlefthandwillbeswapped.
• Compensationwillbepaidforonelossonly.Ifthereareseverallossesfromthesameaccident,theamountpaidwillbeforthegreatestofthelosses.Themaximumcompensationpayableis100%ofthetotalamountofcoverundertheAccidentLivingBenefit.
Eligibility Assured/Spouse:16-70yearsofage,inclusive,andofOccupationClass1to4.Forforeigner,he/shemusthaveavalidworkpermitandofoccupationclass1and2.Renewableuptotheageof75.
DependentUnmarriedChild(ren):1month-18yearsofage,inclusive.Renewableuptotheageof23,providedthechildisunmarriedandunemployed.
PremiumofhigherclasswillbechargedaccordingtotheAssured’s/AssuredSpouse’soccupation.
Abriefdescriptionoftheoccupationclassisasfollows:Class1–Whitecollarworkersinnon-hazardousindustryandconfinedwithintheofficepremises.Class2–Workersoverseeingorsuperintending,engineer,supervisorofnon-manualworkwithsemi-
hazardousindustry.Class3–Skilledorsemi-skilledworkersusinglightmachinery.Class4–Industrialworkersusingmachineryorunskilledworkers.
Classificationsarebasedonthejobdutiesperformedbyyou/yourspouse.Your/yourspouse’sactualoccupationclasswillbedeterminedbyus.
YouandyourspousecanhaveuptomaximumRM1.2millionamountofcoveronAccidentLivingBenefit(maximumtwopoliciesofMyFamilyPA)subjecttofinancialunderwriting,atourdiscretion.
YourchildcanhaveuptomaximumRM300,000amountofcoveronAccidentLivingBenefitatourdiscretionifthisisthefirstpersonalaccidentpolicywithus.
Change of Occupation Youmustnotifyusinwritingifyou/yourspousechangeoccupation.Wewillthenlookatyour/yourspouse’snewoccupationtodetermine,forinsurancepurposes,whetheritisstillwithintheinsurableoccupationclassesforthisplan.
My Family PA6
Cover Your/Yourspouse’s/yourchild’scoverstartsfromthedateonwhichyourcompletedandsignedapplicationformisapprovedbyusandwhenwehavereceivedtheappropriatepremium.
Youandyourspousearecoveredat100%ofbenefitlevel.Yourchildiscoveredat50%ofyourbenefitlevel.
Your/Yourspouse’s/yourchild’scoverissubjecttothetermsandconditionsstatedinthepolicycontractandisrenewableonceayearontheanniversaryofyourpolicy.Foracopyofthepolicycontract,pleasetalktoyourAIAagent,calltheAIACareLineat1300881899orvisitanyAIAbranch.YouwillfindalistofAIAbranchesinMalaysiabygoingtowww.aia.com.my
Yourcovershallautomaticallyendontheearliestofthefollowingdates:- theendofthe31-daygraceperiodforanyunpaidpremium;- thepolicyanniversaryimmediatelyfollowingyour75thbirthday;- thetotalamountcoveredbyDismemberment/LossorPermanentTotalDisabilityasdescribedundertheAccidentLivingBenefitand/orAccidentDeathBenefitand/orDisabilityAllowancehaseitherbeenpaidorispayablebyustoyou;
- uponyourdeath;or- thecancellationofthepolicyonyourorourrequest.
Yourspouse’scovershallautomaticallyendontheearliestofthefollowingdates:- thepolicyanniversaryimmediatelyfollowingyourspouse’s75thbirthday;- yourspouseceasestobeyourlegalspouse;- thetotalamountcoveredbyDismemberment/LossorPermanentTotalDisabilityasdescribedundertheAccidentLivingBenefitand/orAccidentDeathBenefithaseitherbeenpaidorispayablebyustoyou;
- uponyourspouse’sdeath;or- thecancellationofthepolicyonyourorourrequest;oryourcoverisended(subjecttothe“ConversionPrivilege”clauseasstatedinthepolicycontract).
Yourchild’scovershallautomaticallyendontheearliestofthefollowingdates:- thepolicyanniversaryimmediatelyfollowingyourchild’s23rdbirthday;- uponyourchildgetsmarriedorbecomesgainfullyemployed;- thetotalamountcoveredbyDismemberment/LossorPermanentTotalDisabilityasdescribedundertheAccidentLivingBenefitand/orAccidentalDeathBenefithaseitherbeenpaidorispayablebyustoyou;
- uponyourchild’sdeath;or- thecancellationofthepolicyonyourorourrequest;oryourcoverisended(subjecttothe“ConversionPrivilege”clauseasstatedinthepolicycontract).
Exclusions TherearetwocategoriesthatarenotcoveredbyMyFamilyPA:• Pre-existingconditions,whichmeansanyillnessorconditionthatoccurredbeforethedateyour/yourspouse’s/yourchild’scoverbeganorthedateyour/yourspouse’s/yourchild’scoverwaslaststartedagain(ifyour/yourspouse’s/yourchild’scoverhasbeenstoppedinthepast).Forthispurpose,anillnessorconditionhasoccurredwhen:
- ithasbeenmedicallyinvestigated,diagnosedortreated; - itssymptomsareclearanddistinct;or - itssymptomswouldcauseanordinarypersontoseekdiagnosis,careortreatment.
My Family PA 7
• Generalexclusionssuchas: - bacterialinfections; - medicalorsurgicaltreatment(exceptthosenecessitatedbyinjuriescoveredbythisplan); - injuryresultinginhernia; - mentalornervousdisorders;useofdrugs/narcoticsofanykind; - AIDS; - aneventresultingfromwar,invasion,orcivilwar; - aerialactivitiesorflyingasapilotorcrewmemberinanyaircraftexceptaspassengerina
commercialairline; - suicideorintentionalself-injury; - professionalsports; - anykindofdiseaseorsicknessorcongenitaldefects; - childbirth,pregnancyormiscarriage; - dentaltreatmentnotnecessitatedbyInjurycoveredunderthisplan;and - activedutyinthearmedforce.
Forallstandardexclusions,pleaserefertothepolicycontract.Forasamplecopyofthepolicycontract,pleasetalktoyourAIAagent,calltheAIACareLineat1300881899orvisitanyAIAbranch.YouwillfindalistofAIAbranchesinMalaysiabygoingtowww.aia.com.my
Waiting Period You/Yourspouse/Yourchildwillhavetowait12monthsfromthedateofyour/yourspouse’s/yourchild’saccidentforanypaymentdueunderthe:• Dismemberment/LossasdescribedunderAccidentLivingBenefit(exceptforlossofone/twolimb(s),shorteningoflegorfracturedlegasdescribedintheScheduleofIndemnitiesforAccidentLivingBenefit);or
• PermanentTotalDisabilityasdescribedunderAccidentLivingBenefit;or• DisabilityAllowance(applicabletoAssuredonly)
Premium Youcanpayyour/yourspouse’s/yourchild’sfirstpremiumandrenewalpremiumsusingcash,bychequeorbycreditcard.Youcanalsopayyour/yourspouse’s/yourchild’srenewalpremiumviaMaybankauto-debit(whenusingMaybankauto-debit,your/yourspouse’s/yourchild’sfirstpremiumneedstobepaidbycashorcheque).
Youcanchoosetopaytherenewalpremiumsonceayearortwiceayear.
Werecommendthatyoupayeachrenewalpremiumbeforeitisdue.Ifwedonotreceivetherenewalpremiumbytheduedate,your/yourspouse’s/yourchild’scoverwillstop.
Cancellation Wemaycancelyour/yourspouse’s/yourchild’scoverbywritingtoyoustatingthatyour/yourspouse’s/yourchild’scoveristobecancelled.Thecancellationdatewillnotbelessthan10daysfromthedatethatwemailthelettertoyou.
Youmaycancelyour/yourspouse’s/yourchild’scoverbywritingtousstatingthedateonwhichyouwantyour/yourspouse’s/yourchild’scovertobecancelled.Cancellationwillbeeffectiveonthatdate.Ifwereceivethewrittennotificationaftertheintendeddateofcancellation,thecancellationwillbeeffectiveonthedateitisreceivedbyus.
My Family PA8
Ifyoudecidetocancelyour/yourspouse’s/yourchild’scover,youmustdosobeforeyour/yourspouse’s/yourchild’snextpremiumduedate.Theamountofpremiumthatweshouldrefundyouwillbecalculatedinaccordancewiththeshortratecancellationtable,andisbasedonourproceduresatthetimeoftherefund.
However,payingthepremiumbacktoyouisnotaconditionofcancellation.
Claims Youneedtocompletetheclaimdocuments,whichyoucanobtainfromyourAIAagent,bycallingtheAIACareLineat1300881899orvisitinganyAIAbranch.YouwillfindalistofAIAbranchesinMalaysiabygoingtowww.aia.com.my
Youmustprovideuswithwrittennoticeofaclaimwithin30daysoftheaccidentcausingyour/yourspouse’s/yourchild’sinjuryandyouwillneedtoprovideuswithproofofyour/yourspouse’s/yourchild’sclaim,suchasallrelevantreports(e.g.hospital,policeetc),togetherwithalloriginalmedical/treatmentbillsrelatedtotheclaim.Toprovethatyou/yourspouse/yourchildhasbeenhospitalized,youmustprovideuswithanofficialstatementofaccountorareceiptfromthehospitalwithin30daysofyour/yourspouse’s/yourchild’sdischarge.
Inaddition,wealsoneedproofsupportingtheclaim(suchasahospitalcertificate,documentsonmedicaltreatmentorexamination,policereport,post-mortemreport,deathcertificate,burialcertificateornewspapercuttings)andproofoftheidentityofthepersonmakingtheclaim–within90daysoftheaccident.
Information and Complaints IfyouwouldliketoknowmoreaboutMyFamilyPAortherangeofproductsofferedbyAIA,oryouwishtomakeacomplaint,pleasecontactyourAIAagent,calltheAIACareLineat1300881899orvisitanyAIAbranch.YouwillfindalistofAIAbranchesinMalaysiabygoingtowww.aia.com.my
Notes: • Thisflyerisforillustrativepurposesonlyandisnotacontractofinsurance.Theexclusionsandlimitationsofthebenefitshighlightedarenotlimitedtothisflyer.Pleaserefertothepolicycontractforexactterms,provisionsandconditions.
• ThisproductisunderwrittenbyAIABhd.• AIABhd.islicensedundertheFinancialServicesAct2013andregulatedbytheCentralBank(BankNegaraMalaysia).
My Family PA 9
My Family PAPerlindungankemalangan,diseluruhdunia+elauntunaitahunansehingga10tahun
Jadual Faedah / Premium
Perhatian: • Premiumtambahanbolehditambahkepadapremiumstandardjikarisikoyangdikemukakanadalahlebihbesardaripadarisikostandard.
• Selaindaripadapremium,dutisetemsebanyakRM10perludibayarkepadaKerajaan.Dutiseteminiperludibayarsetiaptahunpadaulangtahunpolisianakanda.
• Premiumkemungkinantetapsama.Walaubagaimanapun,kamiberhakuntukmengubahnyasejajardenganpremiumyangdikenakanketikapembaharuan.
• Perlindungananakandaadalahpada50%daripadatahapfaedahbagiFaedahKehidupanAkibatKemalangan,FaedahKematianAkibatKemalangandanFaedahPembayaranBalikPerubatan.
•Silamaklumbahawabermula1April2015,CukaiBarangdanPerkhidmatansebanyak6%akandikenakandiataspremiumyangperludibayar.
60,000 100,000 200,000 400,000 600,000
30,000 50,000 100,000 200,000 300,000
3,000 5,000 8,000 10,000 12,000
6,000 10,000 12,000 18,000 24,000
Penepian Premium
Faedah
Pelan
Amaun Perlindungan (RM)
Premium Tahunan (RM) (Termasuk 6% GST)
Kelas 1 & 2 Kelas 3 & 4
FaedahKehidupanAkibatKemalangan
FaedahKematianAkibatKemalangan
FaedahPembayaranBalikPerubatan
ElaunHilangKeupayaan(OrangYangDiinsuranskansahaja)–setiaptahunsehinggamaksimum10tahun
FaedahPembayar(OrangYangDiinsuranskansahaja)
Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 5
Diri & Anak Diri & Pasangan Seisi Keluarga Diri & Anak Diri & Pasangan Seisi Keluarga
1 193.98 213.06 276.66 263.94 283.02 346.62
2 323.30 355.10 461.10 439.90 471.70 577.70
3 578.23 638.12 836.87 777.51 837.40 1,036.15
4 1,027.67 1,136.32 1,494.07 1,353.09 1,461.74 1,819.49
5 1,477.11 1,634.52 2,151.27 1,928.67 2,086.08 2,602.83
My Family PA10
Takrif Faedah
• Jikaanda/pasangananda/anakandamengalamikecederaanakibatkemalangandanmengalamisalahsatudaripadakerugianberikutdalamtempoh365haridariberlakunyakemalanganini:
a) Pengudungan/KehilanganAnggota–berdasarkankeparahankecederaananda/pasangananda/anakanda,andaakanmenerimaseperatusandaripadajumlahamaunperlindungan(sepertiyangditunjukkandiJadualFaedah).Untuksenaraikecederaanyangdilindungidanperatusanyangakandibayar,silarujukJadualTanggungRugiuntukFaedahKehidupanAkibatKemalangandirisalahini.
b) HilangUpayaMenyeluruhdanKekal–bagikecederaanbermuladalamtempoh365haridaritarikhkemalangan,andaakanmenerimajumlahamaunperlindungan(sepertiyangditunjukkandiJadualFaedah)ditolakapa-apaamaunyangdibayarbagifaedahPengudungan/KehilanganAnggota,sekiranya,selepas12bulandarikemalangananda/pasangananda/anakanda,anda/pasangananda/anakandamasihlagitidakberupayamelakukanmana-manayangberikut:
i) sebarangpekerjaanyanganda/pasanganandaberkelayakanberdasarkanpendidikananda/pasanganandaatauterlatih/berpengalamandalampekerjaanitu;atau
ii) melakukantigaataulebihdaripadaAktiviti-aktivitiKehidupanHarianyangberikutolehanda/pasangananda/anakanda:
• dudukdanbangundarikerusitanpamemerlukansebarangbantuanfizikal;
• berupayabergerakdaribilikkebiliktanpamemerlukansebarangbantuanfizikal;
• berupayamengawalfungsibuangairbesardanairkecildemimenjagakebersihandiri;
• memakaidanmenanggalkansemuapakaianyangperlutanpamemerlukanbantuanoranglain;
• berupayauntukmembersihdirididalambilikmandi(termasuklahmasukataukeluardaribilikmandi),ataumembersihdiridengansebarangcaralain;dan
• kesemuatugasmemasukkanmakanankedalambadansetelahiadisediakan.
• Jikaanda/pasangananda/anakandamengalamikecederaanakibatkemalangandanmengalamikehilangannyawadalamtempoh365haridariberlakunyakemalanganini,jumlahamaunperlindungan(sepertiyangditunjukkandiJadualFaedah)akandibayar.
• Andaakandibayarbalikuntukperbelanjaanperubatandanpembedahananda/pasangananda/anakanda,sepertirawatanpesakitdalamdanpesakitluarolehPengamalPerubatanBerdaftaratauPakarBedah,dalamtempoh52minggudariberlakunyakemalangan,atausehinggaamaunyangditunjukkandiJadualFaedahbagisetiapkemalangan.
• PengamalPerubatanBerdaftaratauPakarBedahadalahorangyangdiberikuasayangsahdisisiundang-undangdikawasangeografi
FaedahKehidupanAkibatKemalangan
FaedahKematianAkibatKemalangan
FaedahPembayaranBalikPerubatan
Faedah Takrif
My Family PA 11
Faedah Takrif
kerjayanyauntukmengamalkanperubatandanpembedahan.BeliaumestilahberkelayakandenganmemilikiijazahdalambidangperubatanBarat,danmestilahtidakmempunyaipertaliandengananda/pasanganandasebagaiejenAIAanda,rakanniagaanda,majikanataupekerjaanda,ahlikeluargaterdekatandaataupemegangpolisiuntukpelanini.
• SelaindaripadabayaranuntukFaedahKehidupanAkibatKemalangan(sepertiyangdihuraikandalamrisalahini)andaakanmenerimaamaunperlindungansepertiyangditunjukkandiJadualFaedahsetiaptahunselamamaksimum10tahun,jikaandamengalamikehilanganatauhilangupayaberikutakibatkemalangandalamtempoh365haridaritarikhkemalangananda.
- Hilangupayamenyeluruhdankekal(sepertidihuraikandibutiran(b)FaedahKehidupanAkibatKemalangan);
- Butakedua-dua/satumatayangkekaldanmenyeluruh; - Kehilanganupayapertuturandanpendengaranyangkekaldan
menyeluruh; - Kehilanganatauhilangkeupayaandua/satukaki/tanganyangkekal
danmenyeluruh; - Ketaksiumanyangkekaldantidakbolehdiubati; - Lumpuhmenyeluruh• FaedahinihanyadibayardengansyaratfaedahdibawahFaedah
KehidupanAkibatKemalanganadalahdibayar.Iajugatertaklukkepadaandamengalamikehilangankeupayaanyangberterusansepanjangtempohbayaran.
• Jikaandaditimpakemalangandanmengalamikehilangannyawaataukehilangananggotaakibatkemalangandimanagantiruginyamencapai100%amaunperlindunganbagiPengudungan/KehilanganAnggotaatauHilangUpayaMenyeluruhdanKekalsepertiyangdidefinisikandiFaedahKehidupanAkibatKemalangan,kamiakan,setelahpembayaranFaedahKematianAkibatKemalanganatau100%amaunperlindunganbagiPengudungan/KehilanganAnggotaatauHilangUpayaMenyeluruhdanKekal,tertaklukkepadasyaratdanperuntukanyangterkandungdalamkontrakpolisiini,mengetepikanpremiumyangkenadibayardibawahpelaninibagipasanganandayangdilindungi/anakandayangdilindungi.Premiumpertamayangdiketepikansedemikianhendaklahpremiumyangjatuhgenaptempohbetul-betulselepastarikhberlakunyakematianakibatkemalangansepertiituataubermulanyahilangupayamenyeluruhdankekalakibatkemalangan.
• Penerimaanpenepianpremiumhendaklahtidakmenjejaskanfaedahlain,iaituFaedahKehidupanAkibatKemalangan,FaedahKematianAkibatKemalangan,FaedahPembayaranBalikPerubatandanElaunHilangKeupayaan,danpolisihendaklahterusberkuatkuasapadahayatpasanganandadananakandaseolah-olahpremiumyangdiketepikantelahpundibayardengansewajarnya.
• Faedahiniakantamatdengansendirinyamengikutsyarat-syaratyangterteradibawahPenamatanInsuranssepertiyangterteradikontrakpolisi.
ElaunHilangKeupayaan(hanyaterpakaikepadaOrangYangDiinsuranskan)
FaedahPembayar(hanyaterpakaikepadaOrangYangDiinsuranskan)
My Family PA12
Faedah Takrif
BonusPembaharuan
HakIstimewaPenukaran(hanyaterpakaikepadaPasanganYangDiinsuranskan/AnakYangDiinsuranskan)
• Bagisetiaptahunandamembaharuipolisianda,anda/pasangananda/anakandaakanmenerima5%BonusPembaharuankeatasamaunperlindunganuntukFaedahKehidupanAkibatKemalangan(sepertiyangdihuraikandalamrisalahini).MaksimumRM300,000daripadajumlahamaunperlindunganasal(termasuksemuapolisikemalangandiriAIAanda/pasangananda/anakandayanglainturutmenyediakanBonusPembaharuan)adalahlayakuntukBonusPembaharuanini.
• BonusiniakanditambahkepadajumlahamaunperlindunganbagiFaedahKehidupanAkibatKemalangansehinggalapantahunpolisi.
• Sekiranyaandatelahmenuntutkurangdaripada100%sepertiyangterkandungdiJadualTanggungRugibagiFaedahKehidupanAkibatKemalangan,perlindunganandaakanterusberkuatkuasauntukbakiperatusamaunperlindunganbagiPengudungan/KehilanganAnggotasepertiyangdidefinisikandiFaedahKehidupanAkibatKemalangantetapihanyauntuktempohbelumtamatyangpremiumnyatelahdibayar.Selepasitu,polisiandaakantamat.
• Perlindunganpasangananda/anakandabolehditeruskandenganmenukarkepadapolisibarudenganpasanganandasebagaiOrangYangDiinsuranskan(dimanaterpakai),dengansyaratbutiranberikutditerimaolehkamidalamtempoh90haridaritarikhkemalangan.
i) pasanganandahendaklahmembuatpermohonansecarabertulisuntukpenukaran,
ii) pembayaranpremiumyangberpatutan(termasukpremiumtertunggakjikaada)untukpelanpasangananda/anakandayangtelahditukar,
iii)dutisetemyangdiperlukanuntukpolisibarupasangananda/anakandaapabilapenukarandibuat.
• HakuntukBonusPembaharuan( jikaada)yangterletakkeataspasangananda/anakandaakandiperuntukkandidalampolisibarupasangananda/anakanda.Tarikhberkuatkuasadanbayaranpremiumdiperlukanuntukpasangananda/anakandabagipolisibarutidakberubah.Tiadaperubahanpadapelandantiadatambahanpasangananda/anakandabolehdilakukankeataspolisibaru.
• HakIstimewaPenukaranadalahtertaklukkepadaprosedurdansyarat-syaratterpakaisemasapenukarandibuat.
My Family PA 13
Jadual Tanggung Rugi bagi Faedah Kehidupan Akibat Kemalangan
Kejadian %daripadaAmaunPerlindungan
Butakedua-duamatayangkekaldanmenyeluruh.............................................................100%Butasatumatayangkekaldanmenyeluruh.....................................................................100%Kehilanganatauhilangkeupayaanduakaki/tanganyangkekaldanmenyeluruh....................100%Kehilanganatauhilangkeupayaansatukaki/tanganyangkekaldanmenyeluruh....................100%Kehilanganupayapertuturandanpendengaranyangkekaldanmenyeluruh..........................100%Ketaksiumanyangkekaldantidakbolehdiubati...............................................................100%Lumpuhmenyeluruh....................................................................................................100%Hilangpendengaranyangkekaldanmenyeluruh:kedua-duatelinga........................................................................................................75%satutelinga.................................................................................................................25%Kehilanganupayapertuturanyangkekal..........................................................................50%kehilangankantasatumatayangkekaldanmenyeluruh......................................................50%Kehilanganatauhilangkeupayaanempatjaridanibujariyangkekaldanmenyeluruh:tangankanan..............................................................................................................70%tangankiri.................................................................................................................50%Kehilanganatauhilangkeupayaanempatjariyangkekaldanmenyeluruh:tangankanan..............................................................................................................40%tangankiri.................................................................................................................30%Kehilanganatauhilangkeupayaansatu/kedua-duaibujariyangkekaldanmenyeluruh:kedua-duakeratditangankanan....................................................................................30%satukeratditangankanan.............................................................................................15%kedua-duakeratditangankiri........................................................................................20%satukeratditangankiri.................................................................................................10%Kehilanganatauhilangkeupayaansatujari/jari-jariyangkekaldanmenyeluruh:tigakeratditangankanan.............................................................................................10%duakeratditangankanan............................................................................................7.5%satukeratditangankanan..............................................................................................5%tigakeratditangankiri................................................................................................7.5%duakeratditangankiri...................................................................................................5%satukeratditangankiri..................................................................................................2%Kehilanganatauhilangkeupayaansatujarikaki/jari-jarikakiyangkekaldanmenyeluruh:kesemuajaripadasatukaki............................................................................................15%kedua-duakeratpadaibujarikaki.................................................................................... 5%satukeratpadaibujarikaki.............................................................................................3%lain-lainjarikaki,tiap-tiapjari........................................................................................2%Patahkakiataupatelayangtidakbolehdisatukan(walaupundenganusahaperubatan)selepas26minggudaritarikhkemalangan.......................................................................10%Pemendekankakiyangsekurang-kurangnya5cm...............................................................7.5%
• Kamimempunyaibudibicaramutlakdalammenentukanperatusantanggungrugiyangbolehdibayaruntukhilangupayakekalyangtidakditetapkandalamjadualdiatas.
• Jikaanda/pasanganandaseorangkidal,peratusfaedahyangbolehdibayarbagipelbagaihilangupayauntuktangankananakanbertukarkepadatangankiri.
• TanggungRugiakandibayaruntuksatukehilangansahaja.Jikaterdapatbeberapakehilangananggotadarikemalanganyangsama,makaamaunyangdibayaradalahuntukkehilanganyangterbesar.Tanggunganmaksimumyangbolehdibayarialah100%keseluruhanjumlahperlindungandibawahFaedahKehidupanAkibatKemalangan.
My Family PA14
KelayakanOrangYangDiinsuranskan/Pasangan:16-70tahundandaripadakelaspekerjaan1hingga4.Bagiwargaasing,andamestilahmempunyaipermitkerjayangsahdandaripadakelaspekerjaan1dan2.Perlindunganbolehdiperbaharuisehingga75tahun.
Anaktanggunganyangbelumberkahwin:1bulan-18tahun.Perlindunganbolehdiperbaharuisehingga23tahun,dengansyaratkanak-kanakbelumberkahwindanmendapatpekerjaanbergaji.
PremiumbagikelaspekerjaanyanglebihtinggiakandikenakanmenurutpekerjaanOrangYangDiinsuranskan/PasanganYangDiinsuranskan.
Berikutialahpeneranganringkasmengenaikelaspekerjaan:Kelas1–Pekerjakolarputihdalamindustriyangtidakberbahayadanhanyabekerjadipremispejabatsahaja.Kelas2–Pekerjayangmenyeliaataumengawas,jurutera,penyeliakerjabukanburuhdenganindustri
separaberbahaya.Kelas3–Pekerjamahiratauseparuhmahiryangmenggunakanmesinringan.Kelas4–Pekerjaperindustrianyangmenggunakanmesinataupekerjatidakmahir.
Pengelasanadalahberdasarkantugasankerjayangdilakukanolehanda/pasangananda.Kelaspekerjaananda/pasanganandayangsebenarakanditentukanolehkami.
AndadanpasanganandabolehmemperolehisehinggamaksimumRM1.2jutaamaunperlindunganpadaFaedahKehidupanAkibatKemalangan(maksimumduapolisiMyFamilyPA)tertaklukkepadapenajajaminankewangan,padabudibicarakami.
AnakandabolehmemperolehisehinggamaksimumRM300,000amaunperlindunganpadaFaedahKehidupanAkibatKemalanganmengikutbudibicarakamijikapelaniniadalahpolisikemalangandiriyangpertamadengankami.
Pertukaran Pekerjaan Andamestimemberitahukamisecarabertulisjikapekerjaananda/pasanganandabertukar.Kamikemudianakanmenelitipekerjaanbaruanda/pasanganandaituuntukmenentukan,bagitujuaninsurans,samaadaiamasihdalamkelaspekerjaanyangbolehdiinsuranskanbagipelanini.
Perlindungan Perlindungananda/pasangananda/anakandabermuladaritarikhborangpermohonanyangandalengkapkandanbertandatanganidiluluskanolehkamidansetelahkamimenerimapremiumtertentu.
Andadanpasanganandaadalahdilindungipada100%tahapfaedahdarifaedah-faedahdalampelanini.Anakandaadalahdilindungipada50%daripadatahapfaedahandadalampelanini.
Perlindungananda/pasangananda/anakandatertaklukkepadatermadansyaratyangdinyatakandalamkontrakpolisidanbolehdiperbaharuisetahunsekalipadaulangtahunpolisianda.Untukmendapatkansalinancontohkontrakpolisi,silahubungiejenAIAanda,hubungiAIACareLinedi1300881899ataukunjungimana-manasatucawanganAIA.SenaraicawanganAIAdiMalaysiabolehdidapatidenganmelayariwww.aia.com.my
Perlindunganandaakantamatsecaraautomatikpadamana-manayangterawalantaratarikhberikut:- tamatnyatempohihsan31haribagimana-manapremiumyangbelumdibayar;- ulangtahunpolisiselepassahajaharilahirandayangke-75;
My Family PA 15
- jumlahamaunperlindunganbagiPengudungan/KehilanganAnggotaatauHilangUpayaMenyeluruhdanKekalsepertiyangdihuraikandiFaedahKehidupanAkibatKemalangandan/atauFaedahKematianAkibatKemalangandan/atauElaunHilangKeupayaantelahdibayarataupunakandibayarolehkamikepadaanda;
- apabilaandaandameninggaldunia;atau- pembatalanpolisiandaataspermintaanandaataupermintaankami. Perlindunganpasanganandaakantamatsecaraautomatikpadamana-manayangterawalantaratarikhberikut:- ulangtahunpolisiselepassahajaharilahirpasanganandayangke-75;- pasanganandatamatmenjadipasanganandayangsah;- jumlahamaunperlindunganbagiPengudungan/KehilanganAnggotaatauHilangUpayaMenyeluruhdanKekalsepertiyangdihuraikandiFaedahKehidupanAkibatKemalangandan/atauFaedahKematianAkibatKemalangantelahdibayarataupunakandibayarolehkamikepadaanda;
- apabilapasanganandaandameninggaldunia;atau- pembatalanpolisiandaataspermintaanandaataukamiatauperlindunganandatelahtamat(tertaklukkepadafasal‘HakIstimewaPenukaran’sepertiyangterteradikontrakpolisi.
Perlindungananakandaakantamatsecaraautomatikpadamana-manayangterawalantaratarikhberikut:- ulangtahunpolisiselepassahajaharilahiranakandayangke-23;- apabilaanakandaberkahwinataumendapatpekerjaanbergaji;- jumlahamaunperlindunganbagiPengudungan/KehilanganAnggotaatauHilangUpayaMenyeluruhdanKekalsepertiyangdihuraikandiFaedahKehidupanAkibatKemalangandan/atauFaedahKematianAkibatKemalangantelahdibayarataupunakandibayarolehkamikepadaanda;
- apabilaanakandameninggaldunia;atau- pembatalanpolisiandaataspermintaanandaataukamiatauperlindunganandatelahtamat(tertaklukkepadafasal‘HakIstimewaPenukaran’sepertiyangterteradikontrakpolisi).
Pengecualian TerdapatduakategoriyangtidakdilindungiolehMyFamilyPA:
• Penyakitsediaada,yangbermaksudsebarangpenyakitataukeadaanyangberlakusebelumtarikhperlindungananda/pasangananda/anakandabermulaatautarikhperlindungananda/pasangananda/anakandakaliterakhirdimulakansemula( jikaperlindungananda/pasangananda/anakandaterhentipadamasalepas).Bagitujuanini,sesuatupenyakitataukeadaanituberlakuapabila:
- iatelahdiperiksa,didiagnosisataudirawatsecaraperubatan; - simptomnyajelasdannyata;atau - simptomnyamenyebabkanorangbiasayangwarasmendapatkandiagnosis,penjagaanatau
rawatan.• Pengecualianamseperti: - jangkitanbakteria; - rawatanperubatanataupembedahan(kecederaanyangdilindungidibawahpelaniniterkecuali); - kecederaanyangmengakibatkanhernia; - gangguanmentalatausaraf;penggunaanapa-apajenisdadah/narkotik; - AIDS; - kejadianakibatpeperangan,seranganatauperangsaudara; - aktivitidiudaraatauterbangsebagaijuruterbangatauanakkapaldidalammana-manapesawat
udarakecualipenumpangdipenerbangankomersial;-membunuhdiriataumencederakandiridengansengaja;
- sukanprofesional; - sebarangjeniswabakataupenyakitataukecacatankongenital;
My Family PA16
-melahirkananak,kehamilanataukeguguran; - rawatanpergigianyangdiperlubukanakibatkecederaanyangdilindungidibawahpelanini;dan - bergiatcergasdalammana-manaangkatanbersenjata.
Bagisemuapengecualianstandard,silarujukkepadakontrakpolisi.Untukmendapatkansalinancontohkontrakpolisi,silahubungiejenAIAanda,hubungiAIACareLinedi1300881899ataukunjungimana-manasatucawanganAIA.SenaraicawanganAIAdiMalaysiabolehdidapatidenganmelayariwww.aia.com.my.
Tempoh Menunggu Anda/pasangananda/anakandaperlumenungguselama12bulandaritarikhkemalangananda/pasangananda/anakandabagisebarangbayaranyangperludibayardibawah:• Pengudungan/KehilanganAnggotasepertiyangdihuraikandibawahFaedahKehidupanAkibat
Kemalangan(kecualikehilangansatu/duakaki/tangan,pemendekankakiataupatahkakisepertiyangdihuraikandalamJadualTanggungRugibagiFaedahKehidupanAkibatKemalangan);atau
• HilangUpayaMenyeluruhdanKekalsepertiyangdihuraikandibawahFaedahKehidupanAkibatKemalangan;atau
• ElaunHilangKeupayaan(hanyaterpakaikepadaOrangYangDiinsuranskan).
Premium Andabolehmembayarpremiumpertamadanpremiumpembaharuananda/pasangananda/anakandasecaratunai,dengancekataukadkredit.Andajugabolehmembayarpremiumpembaharuananda/pasangananda/anakandamenerusiautodebitMaybank(apabilamenggunakanautodebitMaybank,premiumpertamaanda/pasangananda/anakandaperludibayarsecaratunaiataudengancek).
Andabolehmemilihuntukmembayarpremiumpembaharuansekalisetahunatauduakalisetahun.
Kamimenyarankanandasupayamembayarsetiappremiumpembaharuansebelumtarikhgenaptempohnya.Jikakamitidakmenerimapremiumpembaharuanpadatarikhgenaptempohnya,perlindungananda/pasangananda/anakandaakanterhenti.
Pembatalan Kamibolehmembatalkanperlindungananda/pasangananda/anakandadenganmenghantarkansuratkepadaandadenganmenyatakanbahawaperlindungananda/pasangananda/anakandaakandibatalkan.Tarikhpembatalaninitidakakankurangdaripada10haridaritarikhkamimenghantarkansuratkepadaanda.
Andabolehmembatalkanperlindungananda/pasangananda/anakandadenganmenghantarkansuratkepadakamidenganmenyatakantarikhandamahuperlindungananda/pasangananda/anakandaitudibatalkan.Pembatalanakanberkuatkuasapadatarikhitu.Sekiranyakamimenerimapemberitahuanbertulistersebutselepastarikhpembatalanyangdimaksudkanitu,makapembatalanakanberkuatkuasapadatarikhpemberitahuantersebutditerimaolehkami.
Sekiranyaandainginmembatalkanperlindungananda/pasangananda/anakanda,andamestilahberbuatdemikiansebelumtarikhgenaptempohpremiumanda/pasangananda/anakandayangberikutnya.Amaunpremiumyangakankamikembalikankepadaandaakandikiramenurutjadualdanprosedurkadarjangkapendekbiasa,danberdasarkankepadaprosedurkamiketikapengembalianitudibuat.
Walaubagaimanapun,membayarbalikpremiumkepadaandabukanlahsyaratpembatalan.
My Family PA 17
Tuntutan Andaperlumelengkapkandokumen-dokumentuntutanyangbolehandadapatidaripadaejenAIAanda,denganmenghubungiAIACareLinedi1300881899ataukunjungimana-manasatucawanganAIA.SenaraicawanganAIAdiMalaysiabolehdidapatidenganmelayariwww.aia.com.my.
Andamestimemberikankamisurattuntutanbertulisdalamtempoh30haridariberlakunyakemalanganyangmenyebabkankecederaananda/pasangananda/anakandadanandaperlumemberikankamibuktituntutananda/pasangananda/anakandasepertisemualaporanyangbersangkutan(contohnya,laporanhospital,laporanpolisdansebagainya),bersertasemuabilperubatan/rawatanasalyangberkaitandengantuntutantersebut.Untukmembuktikanbahawaanda/pasangananda/anakandatelahdimasukkankehospital,andamestilahmemberikankamipenyataakaunrasmiatauresitdaripadahospitaldalamtempoh30harianda/pasangananda/anakandakeluarhospital.
Selaindaripadadokumentuntutan,kamijugamemerlukanbuktiyangbolehmenyokongtuntutan(sepertiperakuanhospital,dokumenmengenairawatanataupemeriksaanperubatan,laporanpolis,laporanbedahsiasat,sijilkematian,sijilpengebumianataukeratanakhbar)sertabuktiidentitiorangyangmembuattuntutanitu–dalamtempoh90haridariberlakunyakemalangan.
Maklumat Dan Aduan SekiranyaandamahumengetahuilebihlanjutmengenaiMyFamilyPAataubeberapajenisprodukinsuransditawarkanolehAIA,atauandainginmembuataduan,silahubungiejenAIAanda,hubungiAIACareLinedi1300881899ataukunjungimana-manasatucawanganAIA.SenaraicawanganAIAdiMalaysiabolehdidapatidenganmelayariwww.aia.com.my.
Nota: • Risalahiniadalahbagitujuanpenjelasansahajadanbukannyamerupakankontrakinsurans.
Pengecualiandanbatasanfaedahyangdinyatakanadalahtidakterhadkepadarisalahinisahaja.Silarujukkontrakpolisiuntukterma,peruntukandansyaratterperinci.
• ProdukiniadalahditanggungjaminolehAIABhd.• AIABhd.dilesenkandibawahAktaPerkhidmatanKewangan2013dandikawalseliaolehBankNegara
Malaysia.
About AIA Bhd.
AIABhd.isaleadinginsurerinMalaysia,wherewehavebeenprivilegedtodobusinesssince1948.Weofferasuiteofhigh-qualityproductsincludingProtection,Health,PersonalAccident,GeneralInsurance,EmployeeBenefits,RetirementandFamilyTakafulsolutionstomeetourcustomers’protectionandfinancialsecurityneedsateverylifestage.Throughourwideanddiversedistributionfootprintwhichcomprisesa17,000-strongLifePlannerforce,ourexclusivebankpartner’sbranchesnationwideaswellascorporatesalesteamsandbrokers,wegiveourcustomersthechoiceofdecidinghow,whenandwheretheyconnectwithus.
PartoftheAIAGroup,thelargestindependentpubliclylistedpan-Asianlifeinsurancegroup,AIABhd.hasthefinancialstrength,experience,servicecentrenetworkandawell-trainedteamofmorethan2,000stafftoserveour3millioncustomersnationwide.Asatend2014,AIABhd.’stotalassetworthwasRM46billion,withapaid-upcapitalofRM767million.
Mengenai AIA Bhd.
AIABhd.,adalahpenerajuutamasyarikatinsuransdiMalaysia,dimanakamimendapatpenghormatanmenjalankanperniagaansejak1948.KamimenawarkanrangkaianprodukberkualititinggitermasuksolusiPerlindungan,Kesihatan,KemalanganPeribadi,InsuransAm,FaedahPekerja,PersaraandanTakafulKeluargauntukmemenuhikeperluandanjaminankewanganpelanggankamipadasetiapperingkatkehidupanmereka.Melaluirangkaianpengedarankamiyangpelbagaidanluasyangmempunyaikekuatanpasukanagensidenganhampir17,000PerancangHayat,cawanganrakankongsibankkamiyangeksklusifdiseluruhnegarasertapasukanjualankorporatdanbroker,kamimemberipelanggankamipilihandalammenentukanbagaimana,biladandimanamerekamenghubungikami.
SebahagiandaripadaKumpulanAIA,kumpulaninsuransnyawapan-Asiatersenaraiawamterbesardanbebas,AIABhd.mempunyaikekuatankewangan,pengalaman,rangkaianpusatperkhidmatansertasatupasukancukupterlatihterdiridaripadalebih2,000kakitanganyangmemberiperkhidmatankepada3jutapelanggandiseluruhnegara.Sehinggaakhir2014,jumlahasetAIABhd.bernilaiRM46bilion,denganmodalberbayarsebanyakRM767juta.
大马友邦保险简介
大马友邦保险有限公司 (AIA Bhd.)，领先于马来西亚保险业市场，并于1948年在马来西亚开始运作。我们提供一系列高品质的产品，包括保障、健康、个人意外、普通保险、雇员福利保险、退休计划及回教保险以迎合客户们在生命中每一个阶段的健康与财务保障需求。透过广泛及多元的经销管道，包括近一万七千名的强大寿险策划师团队，首选银行合作伙伴于全国的分行以及企业行销团队和中介员，让客户可以选择他们喜欢的方式、时间和地点与我们联系。
大马友邦保险是友邦保险集团，最大的泛亚地区独立上市人寿保险集团，属下的成员公司。大马友邦保险拥有雄厚的财力、丰富的经验、广泛的服务中心网络及受过良好训练的逾两千名员工为全国各地300万名客户提供服务。截至2014年，大马友邦保险的总资产为460亿令吉，而缴足资本为7.67亿令吉。
Contact Us & Find Out MoreHubungi kami untuk maklumat lanjut联络我们以了解更多
If you have any further queries, kindly contact your AIA Life Planner / AIA authorised representative at:
Sekiranya anda mempunyai pertanyaan lanjut, sila hubungi Perancang Hayat AIA / wakil AIA yang disahkan:
若您有任何疑问，请联系您的AIA寿险策划师 / 授权代理员:
Underwritten by:
AIA Bhd. (790895-D)Menara AIA, 99 Jalan Ampang50450 Kuala LimpurCare Line: 1300 88 1899T : 03-2056 1111F : 03-2056 3891
AIA.COM.MY
AIA Bhd. is licensed under the Financial Services Act 2013 and regulated by the Central Bank of Malaysia(Bank Negara Malaysia).AIA Bhd. adalah dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal selia oleh Bank Negara Malaysia.