aia twin pa brochure

PT0

8103

10/0

514

aia.com.my

Twin PA

PROTECTION

Double the sum assured and double the protection needed as your needs change over time.

Boost yourPA protection

Twin PA 1

Accident protection, worldwide + double protection on serious injuries

Twin PATable of Benefits/Premium

Adult Plan

Juvenile Plan

Benefit

Benefit

Amount of Cover (RM)

Amount of Cover (RM)

Class 3 & 4Class 1 & 2Class 1 & 2 Class 3 & 4

Plan 1

Plan 1A

Plan 2

Plan 2A

Note: • Extrapremiumsmaybeaddedtothestandardpremiumsifthepresentedriskislargerthanthe

standardrisk.• Inadditiontothepremium,astampdutyofRM10ispayabletotheGovernment.Thisstampdutyis

payableeachyearonthepolicyanniversary.• Thepremiumislikelytoremainthesame.However,wereservetherighttochangeitinlinewiththe

applicablepremiumatthetimeofrenewal.•Pleasenotethatwitheffectfrom1April2015,aGoodsandServicesTaxattherateof6%willbe chargeableonthepremiumamountpayable.

100,000 100,000 200,000 200,000

100,000 100,000 200,000 200,000

2,000 2,000 2,000 2,000

50 50 100 100

233.20 377.36 445.20 716.56

118.93 192.45 227.05 365.45

100,000 200,000 100,000 200,000

2,000 2,000 Yes Yes 159.00 288.32 81.09 147.04

AccidentalDeathandDismembermentBenefit

DoubleLivingBenefit

MedicalReimbursementBenefit

WeeklyIndemnityBenefit

Annual Premium (Inclusive of 6% GST)

Semi Annual Premium (Inclusive of 6% GST)


DoubleLivingBenefit

MedicalReimbursementBenefit

PayorBenefit

Annual Premium (Inclusive of 6% GST)

Semi Annual Premium (Inclusive of 6% GST)

Twin PA2

DEFINITION OF BENEFITS

Definitions


DoubleLivingBenefit

MedicalReimbursementBenefit(peraccident)

• Ifyou/yourchildhasanaccidentandsufferanyoneofthefollowinglosseswithin365daysofthisaccident:

a) Lossoflife–thetotalamountofcover(asshownintheTableofBenefits)willbepaid.

b) Dismembermentorloss–basedontheseverityofyour/yourchild’sinjuries,youwillreceiveapercentageofthetotalamountofcover(asshownintheTableofBenefits).Foralistoftheinjuriescoveredandthepercentagesthatapply,seethe‘ScheduleofIndemnitiesforAccidentalDeathandDismembermentBenefit’inthisflyer.

c) Permanenttotaldisability–youwillreceivethetotalamountofcover(asshownintheTableofBenefits),if,after12monthsofyour/yourchild’saccident,you/yourchildisstillunabletodoanyofthefollowing:

i) Anyjobthatyouarequalifiedforbyyoureducationoraretrained/experiencedin;or

ii) Performthreeormoreofthefollowing‘ActivitiesofDailyLiving’:

• Gettinginandoutofachairwithoutrequiringphysicalassistance;

• Beingabletomovefromroomtoroomwithoutrequiringanyphysicalassistance;

• Beingabletovoluntarilycontrolbowelandbladderfunctionstomaintainpersonalhygiene;

• Puttingonandtakingoffallnecessaryitemsofclothingwithoutrequiringtheassistanceofanotherperson;

• Beingabletowashinthebathorshower(includinggettinginoroutofthebathorshower),orwashbyanyothermeans;and

• Alltasksofgettingfoodintothebodyonceithasbeenprepared.

Itemc)(i)isnotapplicabletoJuvenilePlan.

• Ifyou/yourchildhasanaccidentandsufferanyoneofthefollowinglosseswithin365daysofthisaccident,youwillreceivethisbenefitinonecashpaymentprovidedAccidentalDeathandDismembermentBenefit(asdescribedonpage1ofthisflyer)ispaidorpayable.

• Permanenttotallossofsightofbotheyesoroneeye • Lossoforthepermanenttotallossofuseoftwolimbsoronelimb • Permanenttotallossofspeechandhearing • Permanentandincurableinsanity • Permanenttotalparalysis • Permanenttotaldisability(asdescribedinItem(c)ofAccidental

DeathandDismembermentBenefit)

• Youwillbereimbursedforthemedicalandsurgicalexpenses,suchasinpatientandoutpatienttreatmentbyaRegisteredMedicalPractitionerorSurgeon,within52weeksofyour/yourchild’s

Benefits

Twin PA 3

DefinitionsBenefits

WeeklyIndemnityBenefit(applicabletoAdultPlanonly)

PayorBenefit(applicabletoJuvenilePlanonly)

accident,uptotheamountshowninTableofBenefitsforeachaccident.

• YouwillberefundeduptoRM500foreachaccidentforanyalternativetreatmentreceivedwithin90daysofyour/yourchild’saccidentsubjecttothebalanceoftheMedicalReimbursementBenefit,providedyou/yourchildhasfirstconsultedaRegisteredMedicalPractitioner.ThesetreatmentsincludeAcupuncture,Bonesetting,ChiropracticTherapy,OsteopathyandPhysiotherapy.

• RegisteredMedicalPractitionerorSurgeonisapersonwhoislegallyauthorisedinthegeographicalareaofhis/hervocationtopracticemedicineandsurgery.He/shemustbequalifiedbydegreeinwesternmedicine,andmustnotberelatedtoyouasyourAIAagent,businesspartner(s),employeroremployee,immediatefamilymemberorpolicyholderforthisplan.

• IfyousustainTemporaryTotalDisabilitywithin90daysofyouraccident,youwillreceivetheamountshownintheTableofBenefitseachweekforamaximumof52weeksforeachaccident.

• TemporaryTotalDisabilitymeansyouare:- a) whollyandcontinuouslydisabledand b) preventedfromdoinganydutypertainingtoyourusual

occupation.• IfyousustainTemporaryPartialDisabilitywithin90daysofyour

accident,youwillreceive25%oftheamountshownintheTableofBenefitseachweekforamaximumof52weeksforeachaccident.

• TemporaryPartialDisabilitymeansyouare:- a) partiallyandcontinuouslydisabledand b) whollyandcontinuouslypreventedfromdoingoneormore

dutiespertainingtoyourusualoccupation.• Thisbenefitwillnotbepaidtoyouifyouareeligibleforthe

AccidentalDeathandDismembermentBenefit(asdescribedonpage2ofthisflyer)and/orDoubleLivingBenefit(asdescribedabove).

• IfweweremadetopaythisBenefitaheadofAccidentalDeathandDismembermentBenefit(asdescribedonpage1ofthisflyer)and/orDoubleLivingBenefit(asdescribedabove),anyamountpreviouslypaidwillbedeductedfromthelargerbenefitpayableduetothesameaccidentundertheAccidentalDeathandDismembermentBenefit(asdescribedonpage2ofthisflyer)and/orDoubleLivingBenefit(asdescribedabove).

• IfyouhaveanaccidentandsufferlossoflifeorpermanenttotaldisabilityasdefinedinItemc)(i)&(ii)underAccidentalDeathandDismembermentBenefitwithin365daysfromtheaccidentdate,weshall,subjecttotermsandprovisionsasstatedinthepolicycontract,waivethepremiumspayableunderthisplan.Thefirstpremiumsowaivedshallbetheonefallingdueimmediatelyafterthedateonwhichsuchaccidentaldeathoccursorcommencementofsuchpermanenttotaldisability.

Twin PA4

DefinitionsBenefits

AnniversaryBonus

ConversionPrivilege(applicabletoJuvenilePlanonly)

• Acceptanceofwaiverofpremiumshallnotaffectotherbenefits,i.e.AccidentalDeathandDismembermentBenefit,DoubleLivingBenefitandMedicalReimbursementBenefit,andthepolicyshallcontinueinforceasifthepremiumwaivedhavebeendulypaid.

• Nochangeintheplanorinthemodeofpremiumpaymentsonthepolicymaybemadeduringthecontinuanceofyourdisability.

• Thisbenefitshallautomaticallybeterminatedinaccordancetothe“TerminationofInsurance”and“Cancellation”Clausesasstatedinthepolicycontract.

• Onthefirstandsecondanniversaryofyour/yourchild’spolicy,you/yourchildwillreceiveaspecial50%AnniversaryBonusontheamountofcoverfortheAccidentalDeathandDismembermentBenefit.

• ThisbonuswillbeaddedtotheamountofcoverfortheAccidentalDeathandDismembermentBenefit,andisapplicableforthefirstandsecondanniversaryduringthelifetimeofyour/yourchild’spolicy.

• Intheeventthatyourchild’spolicyshallendontheearliestofthefollowingdateasaresultofanyofthefollowing:

• thepolicyanniversaryimmediatelyfollowingyourchild’s23rdbirthdayor

• yourchildgetsmarriedor • yourchildbecomesgainfullyemployed, yourchild’scoveragemayatourdiscretionandsubjecttothe

prevailingprocedureandrequirementtheninforce,continuestobeinforcebyconvertingintoTwinPA–AdultPlan,providedthefollowingarereceivedbyuswithin30daysbeforetheterminationdateofthispolicy:-

i) awrittenapplicationforconversionbyyouandyourchild ii) aRequestForChangeFormtochangetheownershipfromyouto

yourchild iii)appropriatepremiums(includepremiumsinarrearsifanyunder

thispolicy)fortheconvertedplan iv)policycontractforTwinPA–JuvenilePlanistobereturnedtous

forendorsement• ThevestedAnniversaryBonus(ifany)onyourchildshallbecarried

forwardtotheconvertedplan.ThePayorBenefit(asdescribedabove)shallbedeleteduponconversion.

• TheConversionPrivilegeshallautomaticallyceaseandbeofnoeffectifnotexercisedinaccordancewiththerequirementmentionedabovewithinthe30daystimeframestatedabove.

Twin PA 5

SCHEDULE OF INDEMNITIES FOR ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITEvents % of Amount of Cover

Lossoflife..................................................................................................................100%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%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.

Twin PA6

Eligibility ForJuvenilePlan:Childfromonemonthto15yearsofage,inclusive.Renewableuptotheageof23,providedthechildisunmarriedandunemployed.

ForAdultPlan:Adultfrom16to70yearsofage,inclusive,andofOccupationClass1to4.Forforeigner,he/shemusthasavalidworkpermitandofoccupationclass1and2.Renewableuptotheageof75.

Abriefdescriptionoftheoccupationclassisasfollows:Class1– Whitecollarworkersinnon-hazardousindustryandconfinedwithintheofficepremises.Class2– Workersoverseeingorsuperintending,engineer,supervisorofnon-manualworkwithsemi-

hazardousindustry.Class3– Skilledorsemi-skilledworkersusinglightmachinery.Class4– Industrialworkersusingmachineryorunskilledworkers.Classificationsarebasedonthejobdutiesperformedbyyou.Youractualoccupationclasswillbedeterminedbyus.

Change of OccupationYoumustnotifyusinwritingifyouchangeyouroccupation.Wewillthenlookatyournewoccupationtodetermine,forinsurancepurposes,whetheritisstillwithintheinsurableoccupationclassesforthisplan.

CoverYour/Yourchild’scoverstartsfromthedateonwhichyourcompletedandsignedapplicationformisapprovedbyusandwhenwehavereceivedtheappropriatepremium.

Your/Yourchild’scoverissubjecttothetermsandconditionsstatedinthepolicycontractandisrenewableonceayearontheanniversaryofyour/yourchild’spolicy.Foracopyofthepolicycontract,pleasetalktoyourAIAagent,calltheAIACareLineat1300881899orvisitanyAIAbranch.YouwillfindalistofAIAbranchesinMalaysiabygoingtowww.aia.com.my

ForAdultPlan:Yourcovershallautomaticallyendontheearliestofthefollowingdates:• theendofthe31-daygraceperiodforanyunpaidpremium;• thepolicyanniversaryimmediatelyfollowingyour75thbirthday;• thetotalamountcoveredbyAccidentalDeathandDismembermentBenefitorPermanentTotalDisabilityBenefitand/or

DoubleLivingBenefithaseitherbeenpaidorispayablebyustoyou;• uponyourdeath;or• thecancellationofthepolicyonyourorourrequest.

ForJuvenilePlan:Yourchild’scovershallautomaticallyendontheearliestofthefollowingdates:• theendofthe31-daygraceperiodforanyunpaidpremium;• thepolicyanniversaryimmediatelyfollowingyourchild’s23rdbirthday;• uponyourchildgetsmarriedorbecomesgainfullyemployed;• thetotalamountcoveredbyAccidentalDeathandDismembermentBenefitorPermanentTotalDisabilityBenefitand/orDoubleLivingBenefithaseitherbeenpaidorispayablebyustoyou;

• uponyourchild’sdeath;or• thecancellationofthepolicyonyourorourrequest.

Exclusions TherearetwocategoriesthatarenotcoveredbyTwinPA:- Pre-existingconditions,whichmeansanyillnessorconditionthatoccurredbeforethedateyour/your

Twin PA 7

child’spolicybeganorthedateyour/yourchild’spolicywaslaststartedagain(ifyour/yourchild’scoverhasbeenstoppedinthepast).Forthispurpose,anillnessorconditionhasoccurredwhen:

• ithasbeenmedicallyinvestigated,diagnosedortreated; • itssymptomsareclearanddistinct;or • itssymptomswouldcauseanordinarypersontoseekdiagnosis,careortreatment.

- Generalexclusionssuchas: • bacterialinfections; • medicalorsurgicaltreatment(exceptthosenecessitatedbyinjuriescoveredbythisplan); • injuryresultinginhernia; • mentalornervousdisorders;useofdrugs/narcoticsofanykind; • AIDS; • aneventresultingfromwar,invasion,orcivilwar; • aerialactivitiesorflyingasapilotorcrewmemberinanyaircraftexceptaspassengerina

commercialairline; • suicideorintentionalself-injury; • professionalsports; • anykindofdiseaseorsicknessorcongenitaldefects; • childbirth,pregnancyormiscarriage; • drivingorridinginanykindofmotorrace; • dentaltreatmentnotnecessitatedbyInjurycoveredunderthisplan;and • activedutyinthearmedforce.Forallstandardexclusions,pleaserefertothepolicycontract.Fora

samplecopyofthepolicycontract,pleasetalktoyourAIAagent,calltheAIACareLineat1300881899orvisitanyAIAbranch.YouwillfindalistofAIAbranchesinMalaysiabygoingtowww.aia.com.my

Waiting Period You/Yourchildwillhavetowait12monthsfromthedateofyour/yourchild’saccidentforanypaymentdueunderthe:• AccidentalDeathandDismembermentBenefit(exceptforaccidentaldeath,lossofone/twolimb(s),shorteningoflegorfracturedlegasdescribedintheScheduleofIndemnitiesforAccidentalDeathandDismembermentBenefit);or

• PermanentTotalDisability;or• DoubleLivingBenefit

Premium Youcanpayyour/yourchild’sfirstpremiumandrenewalpremiumsusingcash,bychequeorbycreditcard.Youcanalsopayyour/yourchild’srenewalpremiumviaMaybankauto-debit(whenusingMaybankauto-debit,your/yourchild’sfirstpremiumneedstobepaidbycashorcheque).

Youcanchoosetopayyour/yourchild’srenewalpremiumsonceayearortwiceayear.

Werecommendthatyoupayeachrenewalpremiumbeforeitisdue.Thelatestyoucanpayeachrenewalpremiumis31daysaftertheduedate.Ifwedonotreceiveyour/yourchild’srenewalpremiumwithin31daysoftheduedate,your/yourchild’scoverwillstop.

Cancellation Wemaycancelyour/yourchild’splanbywritingtoyoustatingthatyour/yourchild’spolicyistobecancelled.Thecancellationdatewillnotbelessthan10daysfromthedatethatwemailthelettertoyou.

Twin PA8

Youmaycancelyour/yourchild’splanbywritingtousstatingthedateonwhichyouwantyour/yourchild’splantobecancelled.Cancellationwillbeeffectiveonthatdate.Ifwereceivethewrittennotificationaftertheintendeddateofcancellation,thecancellationwillbeeffectiveonthedateitisreceivedbyus.

Ifyoudecidetocancelyour/yourchild’splan,youmustdosobeforeyour/yourchild’snextpremiumduedate.Theamountofpremiumthatweshouldrefundyouwillbecalculatedinaccordancewiththeshortratecancellationtable,andisbasedonourproceduresatthetimeoftherefund.However,payingthepremiumbacktoyouisnotaconditionofcancellation.

ClaimsYouneedtocompletetheclaimdocuments,whichyoucanobtainfromyourAIAagent,bycallingtheAIACareLineat1300881899orvisitinganyAIAbranch.YouwillfindalistofAIAbranchesinMalaysiabygoingtowww.aia.com.my

Youmustprovideuswithwrittennoticeofaclaimwithin30daysoftheaccidentcausingyour/yourchild’sinjuryandyouwillneedtoprovideuswithproofofyour/yourchild’sclaim,suchasallrelevantreports(e.g.hospital,policeetc),togetherwithalloriginalmedical/treatmentbillsrelatedtotheclaim.Toprovethatyou/yourchildhasbeenhospitalized,youmustprovideuswithanofficialstatementofaccountorareceiptfromthehospitalwithin30daysofyour/yourchild’sdischarge.

Inaddition,wealsoneedproofsupportingtheclaim(suchasahospitalcertificate,documentsonmedicaltreatmentorexamination,policereport,post-mortemreport,deathcertificate,burialcertificateornewspapercuttings)andproofoftheidentityofthepersonmakingtheclaim–within90daysoftheaccident.

Information and Complaints IfyouwouldliketoknowmoreaboutTwinPAortherangeofproductsofferedbyAIA,oryouwishtomakeacomplaint,pleasecontactyourAIAagent,calltheAIACareLineat1300881899orvisitanyAIAbranch.YouwillfindalistofAIAbranchesinMalaysiabygoingtowww.aia.com.my

Notes:• Thisflyerisforillustrativepurposesonlyandisnotacontractofinsurance.Theexclusionsandlimitationsofthebenefitshighlightedarenotlimitedtothisflyer.Pleaserefertothepolicycontractforexactterms,provisionsandconditions.

• ThisproductisunderwrittenbyAIABhd.• AIABhd.islicensedundertheFinancialServicesAct2013andregulatedbytheCentralBank(BankNegaraMalaysia).

Twin PA 9

Perlindungankemalangan,diseluruhdunia+perlindunganbergandabagikecederaanserius

Twin PAJadual Faedah/Premium

Pelan Dewasa

Pelan Juvenil

Faedah

Faedah

Amaun Perlindungan (RM)

Amaun Perlindungan (RM)

Kelas 3 & 4Kelas 1 & 2Kelas 1 & 2 Kelas 3 & 4

Pelan 1

Pelan 1A

Pelan 2

Pelan 2A

Perhatian: • Premiumtambahanbolehditambahkepadapremiumstandardjikarisikoyangdikemukakanadalah

lebihbesardaripadarisikostandard.• Selaindaripadapremium,dutisetemsebanyakRM10perludibayarkepadaKerajaan.Dutisetemini

perludibayarsetiaptahunpadaulangtahunpolisianakanda.• Premiumkemungkinantetapsama.Walaubagaimanapun,kamiberhakuntukmengubahnyasejajar

denganpremiumyangdikenakanketikapembaharuan.• Silamaklumbahawabermula1April2015,CukaiBarangdanPerkhidmatansebanyak6%akan

dikenakandiataspremiumyangperludibayar.

100,000 100,000 200,000 200,000

100,000 100,000 200,000 200,000

2,000 2,000 2,000 2,000

50 50 100 100

233.20 377.36 445.20 716.56

118.93 192.45 227.05 365.45

100,000 200,000 100,000 200,000

2,000 2,000 Yes Yes 159.00 288.32 81.09 147.04

FaedahKematiandanPengudunganAkibatKemalangan

FaedahPerlindunganBerganda

FaedahPembayaranBalikPerubatan

FaedahTanggungRugiMingguan

Premium Tahunan (Termasuk 6% GST)

Premium Setengah Tahunan(Termasuk 6% GST)



FaedahPembayaranBalikPerubatan

FaedahPembayar

Premium Tahunan(Termasuk 6% GST)

Premium Setengah Tahunan(Termasuk 6% GST)

Twin PA10

Takrif Faedah

Takrif



• Jikaanda/anakandaditimpakemalangandanmengalamimana-manasatudaripadakehilanganberikutdalamtempoh365haridariberlakunyakemalanganini:

a)Kehilangannyawa-jumlahamaunperlindungan(sepertiyangditunjukkandiJadualFaedah)akandibayar.

b)Pengudunganataukehilangananggota-berdasarkankeparahankecederaananda/anakanda,andaakanmenerimaseperatusandaripadajumlahamaunperlindungan(sepertiyangditunjukkandiJadualFaedah).Untuksenaraikecederaanyangdilindungidanperatusanyangakandibayar,silarujuk‘JadualTanggungRugiuntukFaedahKematiandanPengudunganAkibatKemalangan’dirisalahini.

c)Hilangupayamenyeluruhdankekal-andaakanmenerimajumlahamaunperlindungan(sepertiyangditunjukkandiJadualFaedah),sekiranya,selepas12bulandarikemalangananda/anakanda,anda/anakandamasihlagitidakberupayamelakukanmana-manayangberikut:

i) sebarangpekerjaanyangandaberkelayakanberdasarkanpendidikanandaatauterlatih/berpengalamandalampekerjaanitu;atau

ii)melakukantigaataulebihdaripada‘Aktiviti-aktivitiKehidupanHarian’yangberikut:

• dudukdanbangundarikerusitanpamemerlukansebarangbantuanfizikal;

• berupayabergerakdaribilikkebiliktanpamemerlukansebarangbantuanfizikal;

• berupayamengawalfungsibuangairbesardanairkecildemimenjagakebersihandiri;

• memakaidanmenanggalkansemuapakaianyangperlutanpamemerlukanbantuanoranglain;

• berupayauntukmembersihdirididalambilikmandi(termasuklahmasukataukeluardaribilikmandi),ataumembersihdiridengansebarangcaralain;dan

• kesemuatugasmemasukkanmakanankedalambadansetelahiadisediakan.

Butiranc)(i)adalahtidakterpakaikepadaPelanJuvenil.

•Jikaanda/anakandaditimpakemalangandanmengalamimana-manasatudaripadakehilanganberikutdalamtempoh365haridariberlakunyakemalanganini,andaakanmenerimafaedahinidalamsatubayarantunaisekaligusdengansyaratFaedahKematiandanPengudunganAkibatKemalangan(sepertiyangdihuraikanpadahalaman1risalahini)telahdibayaratauakandibayar.

• Butakedua-dua/satumatayangkekaldanmenyeluruh • Kehilanganatauhilangkeupayaandua/satukaki/tanganyang

kekaldanmenyeluruh • Kehilanganupayapertuturandanpendengaranyangkekal

Faedah

Twin PA 11

DefinitionsBenefits

FaedahPembayaranBalikPerubatan(setiapkemalangan)

FaedahTanggungRugiMingguan(hanyaterpakaikepadaPelanDewasa)

• Ketaksiumanyangkekaldantidakbolehdiubati • Lumpuhsecaramenyeluruhdankekal • Hilangupayamenyeluruhdankekal(sepertiyangdihuraikan

diButiran(c)FaedahKematiandanPengudunganAkibatKemalangan)

• Andaakandibayarbalikuntukperbelanjaanperubatandanpembedahananda/anakanda,sepertirawatanpesakitdalamdanpesakitPerubatan(setiapkemalangan)luaroleh PengamalPerubatanBerdaftaratauPakarBedah,dalamtempoh52minggudariberlakunyakemalangan,atausehinggaamaunyangditunjukkandiJadualFaedahbagisetiapkemalangan.

• AndaakandibayarbaliksehinggaRM500bagisetiapkemalanganuntuksebarangrawatanalternatifyangditerimadalamtempoh90haridariberlakunyakemalangantertaklukkepadabakiFaedahPembayaranBalikPerubatan,dengansyaratanda/anakandatelahberjumpaPengamalPerubatanBerdaftarterlebihdahulu.RawataninitermasuklahAkupuntur,TabibTulang,TerapiKiropraktik,OsteopatidanFisioterapi.

• PengamalPerubatanBerdaftaratauPakarBedahadalahorangyangdiberikuasayangsahdisisiundang-undangdikawasangeografikerjayanyauntukmengamalkanperubatandanpembedahan.BeliaumestilahberkelayakandenganmemilikiijazahdalambidangperubatanBarat,danmestilahtidakmempunyaipertaliandenganandasebagaiejenAIAanda,rakanniagaanda,majikanataupekerjaanda,ahlikeluargaterdekatandaataupemegangpolisiuntukpelanini.

• JikaandamengalamiHilangUpayaMenyeluruhSementaradalamtempoh90haridariberlakunyakemalangan,andaakanmenerimaamaunyangditunjukkandiJadualFaedahsetiapminggusehinggamaksimum52minggubagisetiapkemalangan. • HilangUpayaMenyeluruhSementarabermaknaandaadalah:

a)hilangupayasecaramenyeluruhdanberlanjutandan b)terhalangdaripadamelaksanakansebarangtugasyang

berkaitandenganpekerjaanlazimanda.• JikaandamengalamiHilangUpayaSeparaSementaradalamtempoh90haridariberlakunyakemalangan,andaakanmenerima25%daripadaamaunyangditunjukkandiJadualFaedahsetiapminggusehinggamaksimum52minggubagisetiapkemalangan.

• HilangUpayaSeparaSementarabermaknaandaadalah: a)hilangupayaseparadanberlanjutandan b)terhalangsecaramenyeluruhdanberlanjutandaripada

melaksanakansatuataulebihtugasyangberkaitandenganpekerjaanlazimanda.

Twin PA12

TakrifFaedah

FaedahPembayar(hanyaterpakaikepadaPelanJuvenil)

BonusUlangTahun

• FaedahinitidakakandibayarkepadaandasekiranyaandalayakmenerimaFaedahKematiandanPengudunganAkibatKemalangan(sepertiyangdihuraikanpadahalaman1risalahini)dan/atauFaedahPerlindunganBerganda(sepertiyangdihuraikandiatas).

• JikakamitelahmembayarFaedahiniterlebihdahuludaripadaFaedahKematiandanPengudunganAkibatKemalangan(sepertiyangdihuraikanpadahalaman1risalahini)dan/atauFaedahPerlindunganBerganda(sepertiyangdihuraikandiatas),sebarangamaunyangtelahdibayarterlebihdahuluakanditolakdaripadafaedahlebihbesaryangbolehdibayarkemudiandibawahFaedahKematiandanPengudunganAkibatKemalangan(sepertiyangdihuraikanpadahalaman1risalahini)dan/atauFaedahPerlindunganBergandasepertiyangdihuraikandiatas)untukkemalanganyangsama.

• Jikaandaditimpakemalangandanmengalamikehilangannyawaatauhilangupayamenyeluruhdankekalsepertiyangdihuraikan(hanyaterpakaikepadaPelanJuvenil)dibawahFaedahKematiandanPengudunganAkibatKemalangandalamtempoh365haridaritarikhkemalangan,kamiakan,tertaklukkepadasyaratdanperuntukanyangterkandungdalamkontrakpolisiini,mengetepikanpremiumyangkenadibayardibawahpelanini.Premiumpertamayangdiketepikansedemikianhendaklahpremiumyangjatuhgenaptempohbetul-betulselepastarikhberlakunyakematianakibatkemalangansepertiituataubermulanyahilangupayamenyeluruhdankekalakibatkemalangan.

• Penerimaanpenepianpremiumhendaklahtidakmenjejaskanfaedahlain,iaituFaedahKematiandanPengudunganAkibatKemalangan,FaedahPerlindunganBergandadanFaedahPembayaranBalikPerubatan,danpolisihendaklahterusberkuatkuasaseolah-olahpremiumyangdiketepikantelahpundibayardengansewajarnya.

• TiadaperubahanpadapelankeataspolisiinibolehdilakukansemasaberterusannyaFaedahPembayar.

• Faedahiniakantamatdengansendirinyamengikutsyarat-syaratyangterteradibawahPenamatanInsuransdanFasalPembatalansepertiyangterteradikontrakpolisi.

• Padaulangtahunpertamadankeduapolisianda/anakanda,anda/anakandaakanmenerima50%BonusUlangTahunistimewakeatasamaunperlindunganbagiFaedahKematiandanPengudunganAkibatKemalangan.

• BonusiniakanditambahkepadaamaunperlindunganbagiFaedah

KematiandanPengudunganAkibatKemalangan,dandiberikanuntukulangtahunpertamadankeduasepanjanghayatpolisianda/anakanda.

Twin PA 13

TakrifFaedah

HakIstimawaPenukaran(hanyaterpakaikepadaPelanJuvenil)

• Sekiranyapolisianakandainiakantamatpadamana-manatarikhberikutyangpalingawal,akibatsalahsatudaripadaberikut:-

• padaulangtahunpolisiketikaanakandamencapaiumur23tahunatauPelanJuvenil)

• anakandaberkahwinatau • anakandamendapatpekerjaanbergaji,•PerlindungananakandabolehditeruskandenganmenukarkepadaPelanDewasaTwinPA.Iniadalahtertaklukkepadabudibicarakamisertaperaturandansyarat-syaratsemasayangberkuatkuasaketikapenukarandibuat,dengansyaratbutiranberikutditerimaolehkamidalamtempoh30harisebelumtarikhpenamatanpolisiini:-

i) andadananakandahendaklahmembuatpermohonansecarabertulisuntukpenukaran

ii)BorangPermintaanUntukPertukaranuntukpenukaranhakpemilikdariandakepadaanakanda

iii)pembayaranpremiumyangberpatutan(termasukpremiumtertunggakjikaada)untukpelanyangtelahditukar

iv)kontrakpolisiuntukPelanJuvenilTwinPAperludikembalikankepadakamiuntukdiendors

• HakuntukBonusUlangTahun( jikaada)yangterletakkeatasanakandaakandiperuntukkandidalampelanyangtelehditukar.FaedahPembayar(sepertiyangdihuraikandiatas)akandibatalkanapabilapenukarandibuat.

• HakIstimewaPenukaraniniakantamatsecaraautomatikdantidakberkuatkuasajikaHakIstimewaPenukaraninitidakdimanfaatkandalamtempoh30harisepertiterteradiatas.

Twin PA14

JADUAL TABGGUNG RUGI BAGI FAEDAH KEMATIAN DAN PENGUDUNGAN AKIBAT KEMALANGANKejadian % daripada Amaun PerlindunganKehilangannyawa........................................................................................................100%Butakedua-duamatayangkekaldanmenyeluruh..............................................................100%Butasatumatayangkekaldanmenyeluruh......................................................................100%Kehilanganatauhilangkeupayaanduakaki/tanganyangkekaldanmenyelur.........................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%duakeratditangankenan............................................................................................. 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%keseluruhanjumlahperlindungandibawahFaedahKematiandanPengudunganAkibatKemalangan.

Twin PA 15

KelayakanBagiPelanJuvenil:Kanak-kanakberumurdarisatubulanhingga15tahun.Polisibolehdiperbaharuisehingga23tahun,dengansyaratkanak-kanakbelumberkahwindanmendapatpekerjaanbergaji.

BagiPelanDewasa:Dewasaberumurdari16hingga70tahun,termasukdandaripadakelaspekerjaan1hingga4.Jikaandaseorangwargaasing,andamestilahmempunyaipermitkerjayangsahdandaripadakelaspekerjaan1dan2.Polisibolehdiperbaharuisehingga70tahun.

Berikutialahpeneranganringkasmengenaikelaspekerjaan:Kelas1–Pekerjakolarputihdalamindustriyangtidakberbahayadanhanyabekerjadipremispejabatsahaja.Kelas2–Pekerjayangmenyeliaataumengawas,jurutera,penyeliakerjabukanburuhdenganindustriseparaberbahaya.Kelas3–Pekerjamahiratauseparuhmahiryangmenggunakanmesinringan.Kelas4–Pekerjaperindustrianyangmenggunakanmesinataupekerjatidakmahir.Pengelasanadalahberdasarkantugasankerjayangdilakukanolehanda.Kelaspekerjaanandayangsebenarakanditentukanolehkami.

Pertukaran PekerjaanAndamestimemberitahukamisecarabertulisjikapekerjaanandabertukar.Kamikemudianakanmenelitipekerjaanbaruandaituuntukmenentukan,bagitujuaninsurans,samaadaiamasihdalamkelaspekerjaanyangbolehdiinsuranskanbagipelanini.

PerlindunganPerlindungananda/anakandabermuladaritarikhborangpermohonanyangandalengkapkandanbertandatanganidiluluskanolehkamidansetelahkamimenerimapremiumtertentu.

Perlindungananda/anakandatertaklukkepadatermadansyaratyangdinyatakandalamkontrakpolisidanbolehdiperbaharuisetahunsekalipadaulangtahunpolisianda/anakanda.Untukmendapatkansalinancontohkontrakpolisi,silahubungiejenAIAanda,hubungiAIACareLinedi1300881899ataukunjungimana-manasatucawanganAIA.SenaraicawanganAIAdiMalaysiabolehdidapatidenganmelayariwww.aia.com.my

BagiPelanDewasa:Perlindunganandaakantamatsecaraautomatikpadamana-manayangterawalantaratarikhberikut:• tamatnyatempohihsan31haribagimana-manapremiumyangbelumdibayar;• ulangtahunpolisiselepassahajaharilahirandayangke-75;• jumlahamaunperlindunganbagiFaedahKematiandanPengudunganAkibatKemalanganatauFaedahHilangUpayaMenyeluruhDanKekaldan/atauFaedahPerlindunganBergandatelahdibayarataupunakandibayarolehkamikepadaanda;

• apabilaandameninggaldunia;atau• pembatalanpolisiandaataspermintaanandaataupermintaankami.

BagiPelanJuvenil:Perlindungananakandaakantamatsecaraautomatikpadamana-manayangterawalantaratarikhberikut:• tamatnyatempohihsan31haribagimana-manapremiumyangbelumdibayar;• ulangtahunpolisiselepassahajaharilahiranakandayangke-23;• apabilaanakandaberkahwinataumendapatpekerjaanbergaji;• jumlahamaunperlindunganbagiFaedahKematiandanPengudunganAkibatKemalanganatauFaedahHilangUpayaMenyeluruhDanKekaldan/atauFaedahPerlindunganBergandatelahdibayarataupunakandibayarolehkamikepadaanda;

Twin PA16

• apabilaanakandameninggaldunia;atau• pembatalanpolisianakandaataspermintaanandaataupermintaankami.

Pengecualian TerdapatduakategoriyangtidakdilindungiolehTwinPA:• Penyakitsediaada,yangbermaksudsebarangpenyakitataukeadaanyangberlakusebelumtarikhpolisianda/anakandabermulaatautarikhpolisianda/anakandakaliterakhirdimulakansemula( jikaperlindungananda/anakandaterhentipadamasalepas).Bagitujuanini,sesuatupenyakitataukeadaanituberlakuapabila:

• iatelahdiperiksa,didiagnosisataudirawatsecaraperubatan;• simptomnyajelasdannyata;atau• simptomnyamenyebabkanorangbiasayangwarasmendapatkandiagnosis,penjagaanataurawatan.

Pengecualianamseperti:• jangkitanbakteria;• rawatanperubatanataupembedahan(kecederaanyangdilindungidibawahpelaninterkecuali);• kecederaanyangmengakibatkanhernia;• gangguanmentalatausaraf;penggunaanapa-apajenisdadah/narkotik;• AIDS;• kejadianakibatpeperangan,seranganatauperangsaudara;• aktivitidiudaraatauterbangsebagaijuruterbangatauanakkapaldidalammana-manapesawatudarakecualipenumpangdipenerbangankomersial;

• membunuhdiriataumencederakandiridengansengaja;• sukanprofesional;• sebarangjeniswabakataupenyakitataukecacatankongenital;• melahirkananak,kehamilanataukeguguran;• memanduataumenunggangdalamsebarangjenisperlumbaanmotor;• rawatanpergigianyangdiperlubukanakibatkecederaanyangdilindungidibawahpelanini;dan• bergiatcergasdalammana-manaangkatanbersenjata. Bagisemuapengecualianstandard,silarujukkepadakontrakpolisi.Untukmendapatkansalinancontohkontrakpolisi,silahubungiejenAIAanda,hubungiAIACareLinedi1300881899ataukunjungimana-manasatucawanganAIA.SenaraicawanganAIAdiMalaysiabolehdidapatidenganmelayariwww.aia.com.my

Tempoh Menunggu Anda/anakandaperlumenungguselama12bulandaritarikhkemalangananda/anakandabagisebarangbayaranyangperludibayardibawah:• FaedahKematiandanPengudunganAkibatKemalangan(kecualikematianakibatkemalangan,kehilangansatu/duakaki/tangan,pemendekankakiataupatahkakisepertiyangdihuraikandalamJadualTanggungRugibagiFaedahKematiandanPengudunganAkibatKemalangan);atau

• FaedahHilangUpayaMenyeluruhDanKekal• FaedahPerlindunganBerganda

Premium Andabolehmembayarpremiumpertamadanpremiumpembaharuananda/anakandasecaratunai,dengancekataukadkredit.Andajugabolehmembayarpremiumpembaharuananda/anakandamenerusiautodebitMaybank(apabilamenggunakanautodebitMaybank,premiumpertamaanda/anakandaperludibayarsecaratunaiataudengancek).

Twin PA 17

Andabolehmemilihuntukmembayarpremiumpembaharuananda/anakandasekalisetahunatauduakalisetahun.

Kamimenyarankanandasupayamembayarsetiappremiumpembaharuansebelumtarikhgenaptempohnya.Andabolehmembayarsetiappremiumpembaharuanselewat-lewatnya31haridaritarikhgenaptempohnya.Jikakamitidakmenerimapremiumpembaharuananda/anakandadalamtempoh31haridaritarikhgenaptempohnya,perlindungananda/anakandaakanterhenti.

Pembatalan Kamibolehmembatalkanpelananda/anakandadenganmenghantarkansuratkepadaandadenganmenyatakanbahawapolisianda/anakandaakandibatalkan.Tarikhpembatalaninitidakakankurangdaripada10haridaritarikhkamimenghantarkansuratkepadaanda.

Andabolehmembatalkanpelananda/anakandadenganmenghantarkansuratkepadakamidenganmenyatakantarikhandamahupelananda/anakandaitudibatalkan.Pembatalanakanberkuatkuasapadatarikhitu.Sekiranyakamimenerimapemberitahuanbertulistersebutselepastarikhpembatalanyangdimaksudkanitu,makapembatalanakanberkuatkuasapadatarikhpemberitahuantersebutditerimaolehkami.

Sekiranyaandainginmembatalkanpelananda/anakanda,andamestilahberbuatdemikiansebelumtarikhgenaptempohpremiumanda/anakandayangberikutnya.Amaunpremiumyangakankamikembalikankepadaandaakandikiramenurutjadualdanprosedurkadarjangkapendekbiasa,danberdasarkankepadaprosedurkamiketikapengembalianitudibuat.

Walaubagaimanapun,membayarbalikpremiumkepadaandabukanlahsyaratpembatalan.

Tuntutan Andaperlumelengkapkandokumen-dokumentuntutanyangbolehandadapatidaripadaejenAIAanda,denganmenghubungiAIACareLinedi1300881899ataukunjungimana-manasatucawanganAIA.SenaraicawanganAIAdiMalaysiabolehdidapatidenganmelayariwww.aia.com.my

Andamestimemberikankamisurattuntutanbertulisdalamtempoh30haridariberlakunyakemalanganyangmenyebabkankecederaananda/anakandadanandaperlumemberikankamibuktituntutananda/anakandasepertisemualaporanyangbersangkutan(contohnya,laporanhospital,laporanpolisdansebagainya),bersertasemuabilperubatan/rawatanasalyangberkaitandengantuntutantersebut.Untukmembuktikanbahawaanda/anakandatelahdimasukkankehospital,andamestilahmemberikankamipenyataakaunrasmiatauresitdaripadahospitaldalamtempoh30harianda/anakandakeluarhospital.

Selaindaripadadokumentuntutan,kamijugamemerlukanbuktiyangbolehmenyokongtuntutan(sepertiperakuanhospital,dokumenmengenairawatanataupemeriksaanperubatan,laporanpolis,laporanbedahsiasat,sijilkematian,sijilpengebumianataukeratanakhbar)sertabuktiidentitiorangyangmembuattuntutanitu–dalamtempoh90haridariberlakunyakemalangan.

Maklumat Dan Aduan SekiranyaandamahumengetahuilebihlanjutmengenaiTwinPAataubeberapajenisprodukinsuransditawarkanolehAIA,atauandainginmembuataduan,silahubungiejenAIAanda,hubungiAIACareLinedi1300881899ataukunjungimana-manasatucawanganAIA.SenaraicawanganAIAdiMalaysiabolehdidapatidenganmelayariwww.aia.com.my

Twin PA18

Nota:• Risalahiniadalahbagitujuanpenjelasansahajadanbukannyamerupakankontrakinsurans.Pengecualiandanbatasanfaedahyangdinyatakanadalahtidakterhadkepadarisalahinisahaja.Silarujukkontrakpolisiuntukterma,peruntukandansyaratterperinci.

• ProdukiniadalahditanggungjaminolehAIABhd.• AIABhd.dilesenkandibawahAktaPerkhidmatanKewangan2013dandikawalseliaolehBankNegaraMalaysia.

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.

aia twin pa brochure

Documents