Mrs.

Sarah Lim, 35, homemaker:

Being smart is not only about having good academic qualifications. Im just a
housewife but I definitely know the importance of having a comprehensive whole
life policy for everyone in the family as it is a financial safety net for us during times
of need.

Mr. Azrul Abdullah, 42, senior office manager:

Personally, being smart is ensuring my family and I are well taken care of when it
comes to whole life protection needs.
As Im the sole breadwinner, my family depends on me entirely for financial support
and there is no way I can compromise on their well being.

Ms. Latha Raman, 22, fresh graduate:

I must thank my parents for their forward thinking they signed up for a whole life
plan under my name while I was still a toddler.
Initially, I didnt understand the importance of it but now that Im about to enter the
working world, its really good to know that I have a solid life policy coverage.

fes
Precious
f
What can be a better gift than living life to the fullest?
Are you prepared for the unexpected and unfortunate events in life?
Whats more rewarding and fulfilling than ensuring that the financial needs of your loved ones are taken care of when
youre no longer around?
Lets face the hard facts of life you take each day as it comes and strive to give nothing but your best, all the way
through and at all times, too.
You take great pride in planning the major events in both your professional and personal life so that everything goes on
smoothly.
But what if the unexpected happens?
What if tragedy strikeswhen you are least prepared to face it?
How will you or your familycope in the face of adversity?
Have you ever thought about these?

Getting
Ge
e ing Prepared
re re
By the time ssomething unfortunate happens, it is usually a little too late to do much.
Often, when tragedy strikes, many if not most of us, are unable to turn back time or undo the damage.
The rest of us who are still leading a good life, however, can do something to ensure that we are better prepared to face
the eventualities.
In reality, critical illnesses and accidental deaths dont just happen to a select group of people.
The truth may hurt but it cant be denied that tragedy in any form can strike you, me or just about anyone at anytime,
anywhere, without warning.
What looks like a perfect life today may not remain that way forever, especially if you dont plan your whole life insurance
needs well.

Unveiling
Un
nveiling Bijak Malaysia
n
certainly not just another whole life insurance plan.
Its most cert
Indeed, Bijak Malaysia is a bancassurance product engineered to meet your growing life protection needs, whatever your
age and station in life may be.
Choose to insure your life and that of your loved ones from as young as 30 days right up to the age of 50 for male and
female, all at the convenience of affordably priced premiums.
A non-participating whole life plan with limited premium payment (up until 55 years old, the typical retirement age in
Malaysia), it provides comprehensive coverage against death as well as Total and Permanent Disability (TPD) due to
natural and aaccidental causes.

U
Un
nique
e Features
Fe tu s
While many w
whole life plans out there are each claiming to be superior than the other, Bijak Malaysia certainly stands out
from
fro the
he rest
rest.
Check out the unique features of Bijak Malaysia for yourself:

Whole life superior protection coverage

Affordable premiums ranging from RM1,200 to RM6,000 annually
Extra protection coverage during productive/working years
Guaranteed Triennial Cash Payment for life @ 5% of Sum Assured until age 88
Guaranteed Maturity Benefit
(Full Sum Assured is payable)
Pre-packaged, easy enrollment & hassle free
(only requires a simple health declaration to get started)
Initiated by the National Insurance Association of Malaysia (NIAM)
A bancassurance product with extensive distribution network, for your added convenience

ijak
Malaysia benefits at a glance :
ijj
Protection Benefit
Death Benefits

% of
Sum Assured
First 2 policy years
Policy year 3 up to
age 55 years
From age 56 years to
65 years
Thereafter up to
age 88 years

Natural Causes
25%**

Accidental Causes
400%

200%

400%

200%

200%

100%

200%

100%

100%

100%

100%
Survival Benefit

nil

nil

Triennial Cash
Payment
Maturity Benefit
*
**

Total & Permanent Disability

(TPD) Benefits* (up to age 65)
Natural Causes
Accidental Causes
25%**
200%

5% of Sum Assured paid out every three years up to policy maturity

100% of Sum Assured benefit payout at age 88

Coverage for TPD ceases at age 65

Lien is applicable only for deaths and TPD due to natural causes during the initial two (2) years of the policy inception, due to underwriting
constraints.

Bijak Malaysia is designed to be as simple as possible to enroll in, as there are no stringent medical underwriting
requirements a simple health declaration form is all that is needed to get started.
Consequently, note that as illustrated above, there is an initial lien imposed in the first two years of policy inception on death
& TPD due to natural causes in these cases, only 25% of the Sum Assured is payable. Full benefits are payable in cases
of accidental causes.
From the third policy year right up to age 55, a higher Sum Assured is payable for death & TPD, as this is our
proactive initiative towards serving you better during the most productive years of ones lifetime.
In addition, this plan provides a guaranteed cash payment amounting to 5% of the Sum Assured which becomes payable
every
eve three (3
(3) years from the date of policy inception. Upon attaining age 88, you will receive a maturity benefit amounting
to 100% of th
the Sum Assured.

ommisions
o
Co
Commisions
leverages on being a bancassurance product, the premiums and commissions payable is amongst the
As Bijak Malaysia
Mala
lowest in the industry. The table below illustrates the commissions borne by customers, which are paid from their
annualised premiums:
Policy Year
1
2
3
4
5
6
7
8
9
10

Proportion of premium deduction for commission *

25%
15%
15%
5%
5%
5%
5%
5%
5%
5%

Actual amount (RM)

300
180
180
60
60
60
60
60
60
60

The above illustration assumes a Bijak Malaysia Plan with a 64-year term (life assured age 25) and annual premium of RM1,200
* Inclusive of Production Bonus & Persistency Bonus. Maximum Production Bonus for 1st year is 5%. Maximum Persistency Bonus for 2nd & 3rd year
is 10%

The following tables offer a sample list of the sum assured and corresponding triennial cash payments:

Su
S
um Assured
Sum
ss re
Entry
Age
(Male)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

Monthly Premium
100
37,800
37,600
37,300
37,000
36,800
36,500
36,200
35,900
35,500
35,200
34,900
34,500
34,100
33,700
33,300
32,800
32,300
31,800
31,300
30,900
30,400
29,800
29,400
28,900
28,300
27,800
27,100
26,400
25,800
25,000
24,200
23,500
22,600
21,700
20,900
20,000
19,100
18,200
17,300
16,500
15,500
14,500
13,600
12,600
11,500
10,600
9,500
8,300
7,300
6,100
4,900

200
79,500
79,000
78,400
77,900
77,300
76,700
76,100
75,400
74,700
73,900
73,300
72,600
71,700
70,800
69,900
68,900
67,900
66,900
65,900
64,900
63,800
62,800
61,800
60,700
59,500
58,400
57,100
55,700
54,200
52,700
51,100
49,500
47,700
45,900
44,200
42,400
40,600
38,700
36,800
35,100
33,100
31,100
29,300
27,200
25,000
23,000
20,800
18,400
16,400
13,900
11,400

300
121,200
120,400
119,600
118,700
117,900
116,900
115,900
115,000
113,800
112,700
111,700
110,600
109,200
107,900
106,500
105,000
103,600
102,000
100,400
98,900
97,300
95,700
94,200
92,500
90,800
89,000
87,000
84,800
82,700
80,400
77,900
75,500
72,900
70,100
67,500
64,700
62,100
59,200
56,300
53,800
50,800
47,600
44,900
41,700
38,400
35,500
32,100
28,500
25,400
21,800
18,000

500
204,500
203,300
201,800
200,400
198,900
197,300
195,700
194,100
192,100
190,200
188,600
186,700
184,400
182,200
179,800
177,300
174,800
172,200
169,500
166,900
164,200
161,500
159,000
156,200
153,300
150,300
146,900
143,300
139,700
135,800
131,700
127,500
123,100
118,600
114,100
109,400
105,000
100,300
95,300
91,000
86,000
80,800
76,200
70,900
65,300
60,400
54,700
48,800
43,600
37,400
31,100

Entry
Age
(Female)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

Monthly Premium
100
38,200
38,000
37,700
37,500
37,200
36,900
36,700
36,400
36,000
35,700
35,400
35,000
34,700
34,300
34,000
33,500
33,100
32,600
32,100
31,600
31,100
30,500
30,100
29,500
29,000
28,400
27,800
27,200
26,600
25,900
25,100
24,300
23,500
22,600
21,800
20,900
20,000
19,100
18,200
17,300
16,300
15,200
14,300
13,200
12,100
11,100
9,900
8,700
7,600
6,400
5,000

200
80,300
79,900
79,400
78,800
78,300
77,700
77,100
76,500
75,800
75,200
74,400
73,700
72,900
72,200
71,500
70,500
69,600
68,600
67,500
66,500
65,400
64,300
63,200
62,100
60,900
59,900
58,600
57,300
56,000
54,600
53,000
51,400
49,700
48,000
46,200
44,300
42,600
40,600
38,700
36,900
34,900
32,700
30,800
28,600
26,300
24,200
21,800
19,300
17,100
14,600
11,900

300
122,500
121,800
121,000
120,200
119,400
118,500
117,600
116,700
115,500
114,600
113,400
112,300
111,200
110,100
109,000
107,500
106,100
104,600
103,000
101,400
99,700
98,000
96,400
94,700
92,900
91,300
89,400
87,400
85,400
83,200
80,800
78,500
76,000
73,300
70,600
67,800
65,100
62,300
59,300
56,500
53,400
50,100
47,300
44,000
40,400
37,300
33,700
30,000
26,700
22,800
18,700

500
206,800
205,600
204,300
202,900
201,500
200,000
198,400
196,900
195,000
193,400
191,500
189,600
187,700
185,800
184,000
181,400
179,100
176,500
173,800
171,200
168,400
165,500
162,700
159,800
156,900
154,100
151,000
147,600
144,300
140,600
136,600
132,700
128,400
123,900
119,400
114,600
110,100
105,300
100,200
95,800
90,600
85,100
80,300
74,700
68,800
63,600
57,500
51,300
45,600
39,200
32,500

iennial
nni Cash
sh Payment
P y
n
Entry
Age
(Male)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

Monthly Premium
100
1,890
1,880
1,865
1,850
1,840
1,825
1,810
1,795
1,775
1,760
1,745
1,725
1,705
1,685
1,665
1,640
1,615
1,590
1,565
1,545
1,520
1,490
1,470
1,445
1,415
1,390
1,355
1,320
1,290
1,250
1,210
1,175
1,130
1,085
1,045
1,000
955
910
865
825
775
725
680
630
575
530
475
415
365
305
245

200
3,975
3,950
3,920
3,895
3,865
3,835
3,805
3,770
3,735
3,695
3,665
3,630
3,585
3,540
3,495
3,445
3,395
3,345
3,295
3,245
3,190
3,140
3,090
3,035
2,975
2,920
2,855
2,785
2,710
2,635
2,555
2,475
2,385
2,295
2,210
2,120
2,030
1,935
1,840
1,755
1,655
1,555
1,465
1,360
1,250
1,150
1,040
920
820
695
570

300
6,060
6,020
5,980
5,935
5,895
5,845
5,795
5,750
5,690
5,635
5,585
5,530
5,460
5,395
5,325
5,250
5,180
5,100
5,020
4,945
4,865
4,785
4,710
4,625
4,540
4,450
4,350
4,240
4,135
4,020
3,895
3,775
3,645
3,505
3,375
3,235
3,105
2,960
2,815
2,690
2,540
2,380
2,245
2,085
1,920
1,775
1,605
1,425
1,270
1,090
900

500
10,225
10,165
10,090
10,020
9,945
9,865
9,785
9,705
9,605
9,510
9,430
9,335
9,220
9,110
8,990
8,865
8,740
8,610
8,475
8,345
8,210
8,075
7,950
7,810
7,665
7,515
7,345
7,165
6,985
6,790
6,585
6,375
6,155
5,930
5,705
5,470
5,250
5,015
4,765
4,550
4,300
4,040
3,810
3,545
3,265
3,020
2,735
2,440
2,180
1,870
1,555

(5%
5% of Basic
asi Sum Assured)
ssure )

Entry
Age
(Female)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

Monthly Premium
100
1,910
1,900
1,885
1,875
1,860
1,845
1,835
1,820
1,800
1,785
1,770
1,750
1,735
1,715
1,700
1,675
1,655
1,630
1,605
1,580
1,555
1,525
1,505
1,475
1,450
1,420
1,390
1,360
1,330
1,295
1,255
1,215
1,175
1,130
1,090
1,045
1,000
955
910
865
815
760
715
660
605
555
495
435
380
320
250

200
4,015
3,995
3,970
3,940
3,915
3,885
3,855
3,825
3,790
3,760
3,720
3,685
3,645
3,610
3,575
3,525
3,480
3,430
3,375
3,325
3,270
3,215
3,160
3,105
3,045
2,995
2,930
2,865
2,800
2,730
2,650
2,570
2,485
2,400
2,310
2,215
2,130
2,030
1,935
1,845
1,745
1,635
1,540
1,430
1,315
1,210
1,090
965
855
730
595

300
6,125
6,090
6,050
6,010
5,970
5,925
5,880
5,835
5,775
5,730
5,670
5,615
5,560
5,505
5,450
5,375
5,305
5,230
5,150
5,070
4,985
4,900
4,820
4,735
4,645
4,565
4,470
4,370
4,270
4,160
4,040
3,925
3,800
3,665
3,530
3,390
3,255
3,115
2,965
2,825
2,670
2,505
2,365
2,200
2,020
1,865
1,685
1,500
1,335
1,140
935

500
10,340
10,280
10,215
10,145
10,075
10,000
9,920
9,845
9,750
9,670
9,575
9,480
9,385
9,290
9,200
9,070
8,955
8,825
8,690
8,560
8,420
8,275
8,135
7,990
7,845
7,705
7,550
7,380
7,215
7,030
6,830
6,635
6,420
6,195
5,970
5,730
5,505
5,265
5,010
4,790
4,530
4,255
4,015
3,735
3,440
3,180
2,875
2,565
2,280
1,960
1,625

ax Relief
e ie
This policy may qualify you for personal tax relief subject to the final decision of the Inland Revenue Board Malaysia.

Notes:
1. Bijak Malaysia is a non-participating Whole Life policy protecting the insured right up to age 88, featuring a limited premium payment term up to age 55 and
offers cash payments amounting to 5% of the basic sum assured which becomes payable every three (3) years from policy inception date.
2. The policy shall not have a guaranteed minimum cash value on termination until after you have paid premiums for three (3) full years.
3. All premiums are fully payable up till the expiry of the policys premium payment period or prior to death of the Assured (whichever earlier). Premiums can be
paid on a monthly basis and the amount ranges between RM100, RM200, RM300 and RM500, depending on the chosen protection plan. Quarterly,
semi-annually and annual premium payment method are also available.
4. If payment of premiums cease before the stipulated period, it may lead to early termination of coverage to the Life Assured.
5. Premature termination of this policy may result in the policyholder receiving cash which is of lesser value than the total amount paid in premiums.
6. For all claims, the assured is required to submit a written notice to the company within 30 days of the event (e.g. accidents, hospitalisation, etc.)
7. Before signing up for the policy, ensure this plan best serves your needs and that the premiums payable are well within your affordability.
8. You are given a Free-Look Period of fifteen (15) days to review the suitability of your newly purchased insurance plan after delivery of the policy contract. If
you return the policy contract to the Insurer during this period, all premiums paid (less any medical examination fees) will be refunded to you and this policy
contract shall be cancelled.
Important:
This brochure merely provides brief information in relation to Bijak Malaysia. It is never intended to be a basis of an insurance policy or contract of insurance. Ask
for a copy of our policy, to view detailed terms, conditions and exclusions of coverage. The information contained in this brochure may be changed without prior
notice.
In the event of any discrepancy between the English, Bahasa Malaysia, and Chinese versions, the English shall prevail.

BIJAK MALAYSIA

Application No:

Ref No:

BIJAK MALAYS A PROPOSAL FORM

Pursuant to Section 149(4) of the Insurance Act 1996, you are to disclose in this proposal form, f lly and faithfully all the facts which you know, or you ought to know, otherwise the Insurance coverage
issued here nder may be void. Dashed, d tto and N.A are not acceptable. Any amendments must be countersigned in full.
INFORMATION OF BANK OFFICER

Bank Officer's Name

Staff ID / Agent Code
PERSONAL INFORMATION OF LIFE ASSURED

Full Name (as shown in NRIC)

NRIC No.

(New)

(Old)

Address
Date of Birth
National ty
Religion
Height
Annual Income

Islam (

Buddhist (

House
Office
Mobile Phone
Single (
)

Telephone
Marital Stat s

Sex
Race
)
Weight
Occ pation
Email
Fax

Hindu (

Married (

Male (
Christian (

Female (

Female (

Others

Others

DE AILS OF POLICYHOLDER (if different from Life to be Assured)

Full Name (as shown in NRIC)

NRIC No.

(New)

(Old)

Address
Date of Birth
National ty
Religion

Islam (

Buddhist (

House
Office
Mobile Phone
Single (
)

Telephone
Marital Stat s
Relationshi p to Life Assured

Sex
Race
)

Hindu (

Male (
Christian (

Others

Email
Fax
Married (

Others

PREMIUM AMOUNT

Sum Proposed to be Insured

Any other amount
RM

Premium Amount

RM100
RM300

RM200
RM500

Method of Payment

Cheque / Cash

Credit Card

Payment Mode :

Monthly

Q aterly

Semi-Annually

Annually

Others

Auto Debit
Acco nt No,
APPOINTMENT OF NOMINEE

The po icy owner's attention is drawn to Part XIII of the Insurance Act 1996:Pursuant to Section 163(3) of the Insurance Act 1996, f you intend the nominee to receive the policy benefits as beneficiary and the nominee is not your spouse, child or parent, you should assign the
policy benefits to the nominee. You should appoint a trustee for the policy benefits and in the event of fail re to do so, the competent nominee shall be the trustee. A nomination by a policy owner, other
than a Muslim policy owner, shall create a trust in favour of the nominee of the policy moneys payable upon the death of the policy owner if the nominee is his spouse or child or where there is no
spouse or child living at the time of nomination, the nominee is his parent.The nominee of a Muslim Policy owner sha l receive policy benefit as an executor and not solely as a beneficiary.
DETAILS OF NOMINEE

Full Name (as shown in NRIC)

NRIC No.

(New)

(Old)

Address
Date of Birth
National ty
Religion

Islam (

Buddhist (

Telephone
Marital Stat s
Relationshi p to Life Assured

House
Office
Mobile Phone
Single (
)

Sex
Race
)

Hindu (

Male (
Christian (

Female (

Others

Email
Fax
Married (

Others

DECLARATION BY LIFE TO BE ASSURED

I, hereby in my capacity as the Life to be Assured hereby declare the following:

(a) I am in good health and have not suffered from, been treated for nor had any indication of: chest pain; heart attack; high blood pressure; stroke; asthma; cancer; growth/tumor; diabetes; any disorder
of the l ng; liver; idney; digestive system; any mental or nervous disorder; alcoholism; drug abuse; AIDS or AIDS related complications; any physical defects or deformities.
(b) Within the past 2 years, I have not consulted a specialist and/or not ever been hospitalized and/or undergone any s rgical operation and/or ever had a diagnostic test with an abnormal result and/or
ever been advised to have any of these in the f t re.
(c) I do not engage in any hazardous pursuit or occupation. e.g. aviation, s in-diving, sky diving, motor sports, hang gliding, etc.
(d) No proposal for insurance on mine has ever been declined, postponed, rated up or accepted on special terms.
ADDITIONAL IMPORTANT NOTICE

We wish to draw your attention to the following important notices :

(1) The age of Life Assured and Policyowner (if app icable) should be admitted at inception. In order of priority, the following documents are generally acceptable as satisfactory proof of age: (1) Identity Card
(2) Birth Certificate
(3) Passport
(2) You shou d req est for the brochure or sales illustration in respect of the l fe policy product that you are interested to purchase and take note of the benefits which are guaranteed, which are not
guaranteed and your duties under the Policy Contract.
Signed at
on
(Location)
(day - month - year)

Signature of Life to be Assured

Signature of policyholder
(if differrent from Life to be Assured)

Signature of Witness

Branch Stamp

Name :

VERIFICATION BY AGENT / BANK OFFICER

In compliance w th Section 16(2) of the Anti-Money Laundering Act 2001, I hereby certify that the proposers original NRIC have been sighted and the identity of the proposer has been verified by me at the
point of sales.
Signature of Agent / Bank Officer

NRIC No

Name of Agent / Bank Officer

Date

Puan Sarah Lim, 35, suri rumah:

Kebijaksanaan seseorang tidak semestinya dinilai mengikut kelayakan akademik
yang baik. Saya umpamanya, hanyalah seorang suri rumah biasa, tetapi saya tahu
betapa pentingnya insurans hayat untuk melindungi semua anggota keluarga
kerana ia ibarat jaring keselamatan kewangan yang dapat menyelamatkan kami
sekeluarga pada saat-saat yang paling diperlukan.

Encik Azrul Abdullah, 42, pengurus pejabat:

Secara peribadi, bijak bererti memastikan keluarga saya mempunyai
perlindungan hayat yang secukupnya sebagai persediaan andaikata saya ditimpa
nasib malang.
Memandangkan saya satu-satunya sumber pendapatan keluarga, maka saya tidak
boleh mengabaikan kesejahteraan dan masa depan anak-anak dan isteri.

Cik Latha Raman, 22, siswazah muda:

Saya harus berterima kasih kepada ibu bapa saya kerana berfikiran jauh demi
masa depan saya mereka telah melindungi saya dengan pelan insurans hayat
sejak kecil lagi.
Pada mulanya, saya tidak berapa faham akan kepentingannya, tapi
memandangkan saya akan mula bekerja tidak lama lagi, saya amat bersyukur
kerana sedar saya mempunyai perlindungan insurans hayat yang kukuh.

ehidupan
id a Inii Sangat
a
t Berharga
e
Apakah hadia
hadiah yang lebih baik daripada peluang mengecapi nikmat hidup sepenuhnya?
Adakah anda bersedia menghadapi sebarang kejadian yang tidak diduga atau malang yang boleh menimpa pada bila-bila
masa?
Apakah yang lebih bermakna dan memberi ketenangan fikiran daripada memiliki kepastian bahawa keperluan kewangan
dan nasib keluarga tersayang terbela apabila anda tiada lagi di dunia ini?
Sememangnya kita perlu menerima hakikat bahawa setiap yang berlaku adalah ketentuan Yang Maha Kuasa, tetapi kita
perlu berusaha untuk melakukan yang terbaik, sepanjang perjalanan hidup kita dan juga sepanjang masa.
Anda mungkin sudah merancang atau mengambil langkah bijak untuk membina kerjaya profesional dan menjamin
kebahagiaan hidup anda supaya segala-galanya berjalan lancar.
Tetapi apa yang akan berlaku jika sesuatu yang tidak diduga terjadi?
Bagaimana untuk meneruskan hidup anda jika ditimpa malangsekiranya anda sama sekali tidak bersedia
menghadapinya?
Terdayakah anda atau keluarga anda mengharungi saat-saat kesusahan yang tidak diundang ini?
Pernahkah anda terfikir tentang semua ini?

diakan
Se
Sed
n Payung
y ng Sebelum
b
m Hujan
u
Seperti kata pepatah malang tidak berbau, pada kebiasaannya, kejadian yang tidak diingini senantiasa berlaku tanpa
diduga
Sesudah ditimpa malang, tiada gunanya menyesal kerana kita tidak dapat mengundurkan masa atau membetulkan nasi
yang sudah menjadi bubur.
Namun, ramai antara kita yang bernasib baik dan masih belum terlambat untuk membuat persediaan bagi
menghadapi segala kemungkinan.
Penyakit kritikal dan kematian akibat kemalangan bukan hanya terjadi kepada golongan yang tertentu.
Fakta sebenar mungkin menyakitkan, tetapi kita tidak boleh menafikan hakikat bahawa segala bentuk tragedi boleh
berlaku kepada sesiapa sahaja, tidak kira tua atau muda, walau di mana sahaja, tanpa sebarang amaran atau petanda.
Kesempurnaan dan kebahagiaan hidup yang dinikmati hari ini mungkin tidak kekal buat selama-lamanya, lebih-lebih
lagi jika kita tidak merancang keperluan insurans hayat secara bijak.

mperkenalkan
e
emp
rk
ka Bijak Malaysia
M
pelan insurans hayat yang biasa.
Ia bukan sekadar
sek
Bijak Malaysia merupakan produk bankasurans yang dirangka khas untuk memenuhi keperluan perlindungan hayat
anda yang semakin meningkat, tanpa mengira usia dan status hidup anda.
Anda boleh menginsuranskan hayat anda dan nyawa orang tersayang dari usia semuda 30 hari hingga 50 tahun bagi
lelaki dan wanita, semuanya pada kadar premium yang mengikut kemampuan dan tidak membebankan.
Sebagai pelan insurans hayat bukan penyertaan dengan bayaran premium terhad (sehingga usia 55 tahun, usia
persaraan di Malaysia), Bijak Malaysia memberikan perlindungan komprehensif daripada risiko kematian dan juga
Upaya Penuh dan Kekal (KUPK) secara semula jadi dan akibat kemalangan.
Kehilangan U

e
ellebihan
bih n Unik
ni
banyak pelan insurans hayat menyeluruh yang menjadi saingan, Bijak Malaysia ternyata lebih
Walaupun terdapat
te
menyerlah ddaripada yang lain.
Semak sendiri kelebihan unik Bijak Malaysia seperti yang berikut:

Liputan perlindungan yang lebih baik sepanjang hayat

Premium pada kadar yang berpatutan, iaitu antara RM1,200 sehingga RM6,000 setahun
Liputan perlindungan tambahan sepanjang tempoh produktif/bekerja
Bayaran tunai setiap tiga tahun terjamin @ 5% daripada Jumlah Dinsuranskan sehingga usia 88 tahun
Manfaat Kematangan Terjamin
(Jumlah Penuh Diinsuranskan akan dibayar)
Pakej sedia ada, mudah dilanggani & tiada masalah
(hanya memerlukan perisytiharan kesihatan yang mudah)
Inisiatif Persatuan Insurans Kebangsaan Malaysia (NIAM)
Produk bankasurans dengan rangkaian pengedaran yang luas, untuk kemudahan anda

M
nfaat Utama
Bijak
Ma
a
anfa
U am Pelan
P
B
k Malaysia:
M l y a:
% Jumlah
Diinsuranskan
2 tahun pertama polisi
3 tahun polisi hingga
usia 55 tahun
Dari usia 56 hingga
65 tahun
Selepas hingga
88 Tahun
Bayaran Tunai
Setiap Tiga Tahun
Manfaat Kematangan
*
**

Manfaat Perlindungan
Manfaat Kematian

Manfaat Kehilangan Upaya Penuh & Kekal

(KUPK)* (hingga usia 65 tahun)
Sebab semula jadi
Akibat Kemalangan
25%**
200%

Sebab semula jadi

25%**

Akibat Kemalangan
400%

200%

400%

200%

200%

100%

200%

100%

100%

100%

100%
Tiada
Manfaat Kelangsungan Hidup
5% daripada Jumlah Diinsuranskan dibayar setiap tiga tahun
sehingga tarikh polisi matang
100% Jumlah Diinsuranskan dibayar pada usia 88 tahun

Tiada

Perlindungan bagi KUPK tamat pada usia 65 tahun

Lien hanya untuk kematian dan KUPK atas sebab semula jadi dalam tempoh dua (2) tahun pertama polisi, disebabkan kekangan taja jamin.

Bijak Malaysia dirangka dengan syarat penyertaan yang serba mudah kerana ia tidak memerlukan syarat-syarat taja jamin
perubatan yang ketat. Anda hanya perlu menyediakan perisytiharan kesihatan yang mudah.
Seperti yang dinyatakan di atas, lien tidak dikenakan dalam dua tahun pertama polisi bagi kes kematian & KUPK atas
sebab semula jadi dalam keadaan ini, hanya 25% daripada Jumlah Diinsuranskan akan dibayar. Manfaat penuh akan
dibayar dalam kes-kes akibat kemalangan.
Dari tahun ketiga polisi hingga usia 55 tahun, Jumlah Diinsuranskan yang lebih tinggi akan dibayar untuk kes kematian &
KUPK, kerana ini adalah usaha proaktif kami untuk memberikan perkhidmatan yang lebih baik kepada anda sepanjang
tempoh paling produktif dalam hidup setiap individu.
Di samping itu, pelan ini menyediakan bayaran tunai terjamin sebanyak 5% daripada Jumlah Diinsuranskan yang akan
dibayar setiap tiga (3) tahun dari tarikh polisi berkuatkuasa. Apabila mencapai usia 88 tahun, anda akan menerima manfaat
kematangan ssebanyak 100% daripada Jumlah Diinsuranskan.

omisen
Ko
Komisen
Oleh kerana Bijak Malaysia merupakan sebuah produk kategori bankasurans, kadar premium dan komisen yang perlu
dibaya adala
dalah antara yang paling rendah dalam industri insurans tanahair. Jadual di bawah menunjukkan komisen yang
dibayar
ditanggung oleh pelanggan dan dibayar daripada premium tahunan mereka:
Tahun Polisi
1
2
3
4
5
6
7
8
9
10

Kadar potongan premium untuk komisen *

25%
15%
15%
5%
5%
5%
5%
5%
5%
5%

Jumlah sebenar (RM)

300
180
180
60
60
60
60
60
60
60

llustrasi di atas adalah berdasarkan andaian Plan Bijak Malaysia, untuk tempoh 64 tahun (Pemegang Polisi berumur 25 tahun) dan premium tahunan
sebanyak RM1,200.
* Termasuk Bonus Penghasilan & Bonus Persistensi. Bonus Penghasilan maksimum adalah 5% bagi tahun pertama. Bonus Persistensi maksimum
adalah 10% bagi tahun kedua dan ketiga.

Jadual di bawah merupakan senarai contoh jumlah diinsuranskan dan bayaran tunai setiap tiga tahun yang setimpal:

umlah
Diinsuranskan
Ju
J
u
Jumlah
Usia
Penyertaan
(Lelaki)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

Premium Bulanan
100
37,800
37,600
37,300
37,000
36,800
36,500
36,200
35,900
35,500
35,200
34,900
34,500
34,100
33,700
33,300
32,800
32,300
31,800
31,300
30,900
30,400
29,800
29,400
28,900
28,300
27,800
27,100
26,400
25,800
25,000
24,200
23,500
22,600
21,700
20,900
20,000
19,100
18,200
17,300
16,500
15,500
14,500
13,600
12,600
11,500
10,600
9,500
8,300
7,300
6,100
4,900

200
79,500
79,000
78,400
77,900
77,300
76,700
76,100
75,400
74,700
73,900
73,300
72,600
71,700
70,800
69,900
68,900
67,900
66,900
65,900
64,900
63,800
62,800
61,800
60,700
59,500
58,400
57,100
55,700
54,200
52,700
51,100
49,500
47,700
45,900
44,200
42,400
40,600
38,700
36,800
35,100
33,100
31,100
29,300
27,200
25,000
23,000
20,800
18,400
16,400
13,900
11,400

300
121,200
120,400
119,600
118,700
117,900
116,900
115,900
115,000
113,800
112,700
111,700
110,600
109,200
107,900
106,500
105,000
103,600
102,000
100,400
98,900
97,300
95,700
94,200
92,500
90,800
89,000
87,000
84,800
82,700
80,400
77,900
75,500
72,900
70,100
67,500
64,700
62,100
59,200
56,300
53,800
50,800
47,600
44,900
41,700
38,400
35,500
32,100
28,500
25,400
21,800
18,000

500
204,500
203,300
201,800
200,400
198,900
197,300
195,700
194,100
192,100
190,200
188,600
186,700
184,400
182,200
179,800
177,300
174,800
172,200
169,500
166,900
164,200
161,500
159,000
156,200
153,300
150,300
146,900
143,300
139,700
135,800
131,700
127,500
123,100
118,600
114,100
109,400
105,000
100,300
95,300
91,000
86,000
80,800
76,200
70,900
65,300
60,400
54,700
48,800
43,600
37,400
31,100

Usia
Penyertaan
(Wanita)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

Premium Bulanan
100
38,200
38,000
37,700
37,500
37,200
36,900
36,700
36,400
36,000
35,700
35,400
35,000
34,700
34,300
34,000
33,500
33,100
32,600
32,100
31,600
31,100
30,500
30,100
29,500
29,000
28,400
27,800
27,200
26,600
25,900
25,100
24,300
23,500
22,600
21,800
20,900
20,000
19,100
18,200
17,300
16,300
15,200
14,300
13,200
12,100
11,100
9,900
8,700
7,600
6,400
5,000

200
80,300
79,900
79,400
78,800
78,300
77,700
77,100
76,500
75,800
75,200
74,400
73,700
72,900
72,200
71,500
70,500
69,600
68,600
67,500
66,500
65,400
64,300
63,200
62,100
60,900
59,900
58,600
57,300
56,000
54,600
53,000
51,400
49,700
48,000
46,200
44,300
42,600
40,600
38,700
36,900
34,900
32,700
30,800
28,600
26,300
24,200
21,800
19,300
17,100
14,600
11,900

300
122,500
121,800
121,000
120,200
119,400
118,500
117,600
116,700
115,500
114,600
113,400
112,300
111,200
110,100
109,000
107,500
106,100
104,600
103,000
101,400
99,700
98,000
96,400
94,700
92,900
91,300
89,400
87,400
85,400
83,200
80,800
78,500
76,000
73,300
70,600
67,800
65,100
62,300
59,300
56,500
53,400
50,100
47,300
44,000
40,400
37,300
33,700
30,000
26,700
22,800
18,700

500
206,800
205,600
204,300
202,900
201,500
200,000
198,400
196,900
195,000
193,400
191,500
189,600
187,700
185,800
184,000
181,400
179,100
176,500
173,800
171,200
168,400
165,500
162,700
159,800
156,900
154,100
151,000
147,600
144,300
140,600
136,600
132,700
128,400
123,900
119,400
114,600
110,100
105,300
100,200
95,800
90,600
85,100
80,300
74,700
68,800
63,600
57,500
51,300
45,600
39,200
32,500

y
yaran Tunai Setiap Tiga Tahun (5% daripada Jumlah Diinsuranskan)
Bay
Bayaran
Usia
Penyertaan
(Lelaki)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

Premium Bulanan
100
1,890
1,880
1,865
1,850
1,840
1,825
1,810
1,795
1,775
1,760
1,745
1,725
1,705
1,685
1,665
1,640
1,615
1,590
1,565
1,545
1,520
1,490
1,470
1,445
1,415
1,390
1,355
1,320
1,290
1,250
1,210
1,175
1,130
1,085
1,045
1,000
955
910
865
825
775
725
680
630
575
530
475
415
365
305
245

200
3,975
3,950
3,920
3,895
3,865
3,835
3,805
3,770
3,735
3,695
3,665
3,630
3,585
3,540
3,495
3,445
3,395
3,345
3,295
3,245
3,190
3,140
3,090
3,035
2,975
2,920
2,855
2,785
2,710
2,635
2,555
2,475
2,385
2,295
2,210
2,120
2,030
1,935
1,840
1,755
1,655
1,555
1,465
1,360
1,250
1,150
1,040
920
820
695
570

300
6,060
6,020
5,980
5,935
5,895
5,845
5,795
5,750
5,690
5,635
5,585
5,530
5,460
5,395
5,325
5,250
5,180
5,100
5,020
4,945
4,865
4,785
4,710
4,625
4,540
4,450
4,350
4,240
4,135
4,020
3,895
3,775
3,645
3,505
3,375
3,235
3,105
2,960
2,815
2,690
2,540
2,380
2,245
2,085
1,920
1,775
1,605
1,425
1,270
1,090
900

500
10,225
10,165
10,090
10,020
9,945
9,865
9,785
9,705
9,605
9,510
9,430
9,335
9,220
9,110
8,990
8,865
8,740
8,610
8,475
8,345
8,210
8,075
7,950
7,810
7,665
7,515
7,345
7,165
6,985
6,790
6,585
6,375
6,155
5,930
5,705
5,470
5,250
5,015
4,765
4,550
4,300
4,040
3,810
3,545
3,265
3,020
2,735
2,440
2,180
1,870
1,555

Usia
Penyertaan
(Wanita)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

Premium Bulanan
100
1,910
1,900
1,885
1,875
1,860
1,845
1,835
1,820
1,800
1,785
1,770
1,750
1,735
1,715
1,700
1,675
1,655
1,630
1,605
1,580
1,555
1,525
1,505
1,475
1,450
1,420
1,390
1,360
1,330
1,295
1,255
1,215
1,175
1,130
1,090
1,045
1,000
955
910
865
815
760
715
660
605
555
495
435
380
320
250

200
4,015
3,995
3,970
3,940
3,915
3,885
3,855
3,825
3,790
3,760
3,720
3,685
3,645
3,610
3,575
3,525
3,480
3,430
3,375
3,325
3,270
3,215
3,160
3,105
3,045
2,995
2,930
2,865
2,800
2,730
2,650
2,570
2,485
2,400
2,310
2,215
2,130
2,030
1,935
1,845
1,745
1,635
1,540
1,430
1,315
1,210
1,090
965
855
730
595

300
6,125
6,090
6,050
6,010
5,970
5,925
5,880
5,835
5,775
5,730
5,670
5,615
5,560
5,505
5,450
5,375
5,305
5,230
5,150
5,070
4,985
4,900
4,820
4,735
4,645
4,565
4,470
4,370
4,270
4,160
4,040
3,925
3,800
3,665
3,530
3,390
3,255
3,115
2,965
2,825
2,670
2,505
2,365
2,200
2,020
1,865
1,685
1,500
1,335
1,140
935

500
10,340
10,280
10,215
10,145
10,075
10,000
9,920
9,845
9,750
9,670
9,575
9,480
9,385
9,290
9,200
9,070
8,955
8,825
8,690
8,560
8,420
8,275
8,135
7,990
7,845
7,705
7,550
7,380
7,215
7,030
6,830
6,635
6,420
6,195
5,970
5,730
5,505
5,265
5,010
4,790
4,530
4,255
4,015
3,735
3,440
3,180
2,875
2,565
2,280
1,960
1,625

elepasan
Cukai
e
Pe
Pelepasan
Polisi ini mungkin layak memberikan anda pelepasan cukai individu, tertakluk kepada keputusan muktamad oleh
Lembaga Hasil Dalam Negeri Malaysia.

Nota:
1. Bijak Malaysia adalah polisi Sepanjang Hayat bukan penyertaan, yang melindungi pemegang insurans sehingga usia 88 tahun dengan tempoh bayaran
premium terhad sehingga usia 55 tahun dan menawarkan bayaran tunai sebanyak 5% daripada jumlah asas diinsuranskan, yang akan dibayar setiap tiga (3)
tahun dari tarikh polisi berkuatkuasa.
2. Polisi ini tidak mempunyai nilai tunai minimum terjamin jika ditamatkan sebelum anda membayar premium selama tiga (3) tahun penuh.
3. Semua premium hendaklah dibayar sepenuhnya sehingga tamat tempoh bayaran premium polisi atau sebelum kematian Pemegang Insurans (yang mana lebih
dahulu). Premium boleh dibayar setiap bulan dan jumlahnya adalah antara RM100, RM200, RM300 dan RM500, bergantung kepada pelan perlindungan yang
dipilih. Skim bayaran suku tahunan, dwi tahunan dan tahunan juga sedia ada.
4. Jika bayaran premium dihentikan sebelum tempoh yang ditetapkan, ia boleh menyebabkan perlindungan ke atas nyawa Pemegang Insurans ditamatkan lebih
awal daripada tempoh yang sepatutntya.
5. Penamatan awal polisi ini boleh mengakibatkan pemegang polisi menerima bayaran tunai yang lebih rendah nilainya daripada jumlah premium yang
sebenarnya telah dibayar.
6. Untuk segala jenis tuntutan, Pemegang Insurans dikehendaki memberikan notis secara bertulis kepada syarikat insurans yang terbabit dalam masa 30 hari dari
tarikh kejadian (seperti kemalangan, kemasukan hospital dan sebagainya).
7. Sebelum membeli polisi ini, pastikan pelan ini adalah yang terbaik untuk keperluan anda dan premium yang perlu dibayar adalah dalam batas kemampuan
anda.
8. Anda diberi Tempoh Membuat Keputusan selama 15 hari bagi membolehkan anda mempertimbangkan semula kesesuaian kontrak polisi pelan insurans yang
dibeli selepas diserahkan kepada anda. Jika anda memulangkan kontrak polisi kepada penginsurans semasa tempoh ini, segala premium yang dibayar (tolak
sebarang yuran pemeriksaan perubatan) akan dipulangkan kepada anda dan kontrak polisi ini akan dibatalkan.

Penting:
Risalah ini hanya memberikan maklumat ringkas tentang Bijak Malaysia. Ia tidak bermaksud untuk menjadi asas polisi insurans atau kontrak insurans. Anda boleh
meminta satu salinan polisi kami, untuk menyemak syarat-syarat, peraturan dan pengecualian perlindungan secara terperinci. Maklumat yang terkandung di dalam
risalah ini boleh diubah tanpa notis terlebih dahulu.
Andainya timbul sebarang percanggahan di antara versi Bahasa Inggeris, Bahasa Malaysia, dan Bahasa Cina berhubung dengan penafian, maka versi Bahasa
Inggeris akan diguna pakai.

BIJAK MALAYSIA

No. Permohonan

No. Rujukan

BORANG CADANGAN BIJAK MALAYS A

Menurut Seksyen 149(4) Akta Insurans 1996, anda dikehendaki mengisytiharkan di dalam borang cadangan ini secara penuh dan ikhlas fakta yang anda ketahui atau yang patut anda ketahui, jika tidak perlindungan
insurans yang dikeluarkan di bawah ini berkemung inan dibatalkan.
MAKLUMAT PEGAWAI BANK

Nama Pegawai Bank

No. Pengenalan Staf / Kod Ejen
BUTIRAN ORANG ANG DIINSURANSKAN

Nama penuh (seperti dalam kad pengenalan)

No. Kad Pengenalan
(Baru)

(Lama)

Alamat
Tari h Lahir
Warganegara
Agama
Islam (
Ketinggian
Pendapatan Tahunan

Buddha (

Rumah
Pejabat
Telefon Bimb t
Bujang (
)

Telefon
Status Perkahwinan

Hindu (

Jantina
Bangsa
)
Berat
Pekerjaan

Lelaki (
Kristian (

Perempuan (

Perempuan (

Lain-lain

Emel
Faksimi i
Berkahwin (

Lain-lain

BUTIRAN PEMEGANG POLISI (Jika lain daripada orang yang diinsuranskan)

Nama penuh (seperti dalam kad pengenalan)

No. Kad Pengenalan
(Baru)

(Lama)

Alamat
Tari h Lahir
Warganegara
Agama

Islam (

Buddha (

Rumah
Pejabat
Telefon Bimb t
Status Perkahwinan
Bujang (
)
Hubungan dengan orang yang diinsuranskan

Hindu (

Jantina
Bangsa
)

Lelaki (
Kristian (

)
Lain-lain

Emel
Faksimi i

Telefon

Berkahwin (

Lain-lain

JUMLAH PREMIUM

Jumlah insurans yang dicadangkan

Jumlah Premium

RM100
RM300

RM200
RM500

Cara pembayaran

Cek / Tunai

Kad Kred t

Lain-lain jumlah
RM

Mod Bayaran :

Bulanan

Suku Tahunan

Dwi Tahunan

Auto Debit
No. Akaun

Tahunan

Lain-lain

PERLANTIKAN PENAMA

Pemilik polisi dinasihatkan mengambil perhatian terhadap bahagian XIII A ta Ins ran 1996: Menurut Seksyen 163(3) Akta Insurans 1996, jika anda ingin penama menerima manfaat polisi sebagai benefisiari dan penama bukan pasangan, anak atau ibu bapa anda, anda harus menyerahkan hak manfaat po isi
kepada penama. Anda harus melantik pemegang amanah bagi manfaat polisi dan jika gagal berbuat demikian, penama yang berhak akan menjadi pemegang amanah. Penamaan bagi pemilik polisi, selain daripada
pemilik polisi Muslim, harus mengadakan satu amanah untuk penama dan wang polisi akan dibayar kepada penama se iranya penama adalah pasangan atau anak dan sekiranya pemilik polisi tidak mempunyai
pasangan atau anak yang masih hidup semasa penamaan, bu bapanya. Penama bagi pemegang po isi yang beragama Islam akan menerima manfaat po isi sebagai wasi dan bukannya sebagai benefisiari mutlak.
BUTIRAN PENAMA

Nama penuh (seperti dalam kad pengenalan)

No. Kad Pengenalan
(Baru)

(Lama)

Alamat
Tari h Lahir
Warganegara
Agama

Islam (

Buddha (
Rumah
Pejabat
Telefon Bimb t
Status Perkahwinan
Bujang (
)
Hubungan dengan orang yang diinsuranskan

Hindu (

Jantina
Bangsa
)

Lelaki (
Kristian (

Perempuan (

Lain-lain

Emel
Faksimi i

Telefon

Berkahwin (

Lain-lain

PENGAKUAN OLEH ORANG YANG DIINSURANSKAN

Saya, sebagai orang yang diinsuranskan dengan ini mengaku seperti berikut:
(a) Saya berada dalam keadaan sihat dan t dak pernah mengalami, menjalani rawatan mah pun mempunyai sebarang tanda : Penyakit jantung; serangan jant ng; tekanan darah tinggi; strok; asma; barah; ketumbuhan/tumor;
kencing manis; sebarang gangguan paru-paru, hati, buah pinggang, system penghadaman; sebarang gangguan mental atau saraf; ketagihan arak; penyalahgunaan dadah; A DS atau komp ikasi berka tan AIDS.
(b) Dalam jangkawa tu d a tahun yang lepas, saya tidak pernah mendapatkan sebarang nas hat perubatan dari pada do tor pakar dan /atau dimasukkan ke dalam hospital dan /atau menjalani sebarang
pembedahan dan /atau menjalani ujian diagnostik dengan keputusan yang luarbiasa dan /atau telah dinasihatkan untuk menjalani mana-mana yang tersebut di atas pada masa hadapan.
(c) Saya tidak pernah melibatkan diri dalam a tiviti atau pekerjaan yang merbahaya seperti penerbangan, menyelam, payung terjun, sukan lumba bermotor, sukan luncur gantung atau sebagainya.
(d) Cadangan insurans saya tidak pernah ditolak, d tangguh, d tentu kadar atau diterima atas syarat khas.
KENYATAAN PENTING TAMBAHAN

Kami ingin menarik perhatian anda kepada kenyataan penting berikut :

(1) Umur orang yang hendak diinsuranskan atau pemegang polisi (jika berkenaan) hendaklah diakui pada permulaan. Mengikut aturan keutamaan, dok men berikut secara umumnya diterima sebagai bukti umur:
(1) Kad Pengenalan
(2) Surat Beranak
(3) Paspot
(2) Anda harus meminta risalah dan lustrasi jualan yang berkaitan dengan produk polisi hayat yang anda berminat untuk membeli dan mengambil perhatian akan faedah yang dijamin serta tanggungjawab
anda di bawah kontrak po isi.
Ditandatangani di
pada
(Lokasi)
(hari - bulan - tahun)

Tandatangan Orang Yang D insuranskan

Tandatangan Pemegang Polisi

(jika lain dari pada orang diinsuranskan)

Tandatangan Saksi

Cop Cawangan

Nama :

PENGESAHAN OLEH EJEN /PEGAWAI BANK

Sebagai mematuhi Seksyen 16(2) Akta Pencegahan Pengubahan Wang Haram 2001, saya dengan ini mengaku telah mel hat kad pengenalan asal pencadang dan dentiti pencadang telah ditentusahkan oleh pihak
saya pada wa tu jualan.
Tandatangan Ejen / Pegawai Bank

No Kad Pengenalan

Nama Ejen / Nama Pegawai Bank

Tari h

Mrs. Sarah Lim, 35

Mr. Azrul Abdullah, 42

Ms. Latha Raman, 22

Bijak Malaysia
s

Bijak Malaysia

30 50

( 55 )

(TPD)

Bijak Malaysia

Bijak Malaysia

RM1,200 RM6,000

5% 3 88

()
National Insurance Association of Malaysia (NIAM)

ijak
Malaysia
ijj

TPD* ( 65 )

25%**

400%

25%**

200%

3 55

200%

400%

200%

200%

56 65

100%

200%

100%

100%

88

100%

100%

nil

nil

*
**

5% 3

100% 88

(TPD) 65
(Lien Provision) (TPD)

Bijak Malaysia

(Lien Provision)
(TPD) 25%

55 (TPD)

5% 3
88
100%

Bijak M
Malaysia

1
2
3
4
5
6
7
8
9
10

*
25%
15%
15%
5%
5%
5%
5%
5%
5%
5%

(RM)
300
180
180
60
60
60
60
60
60
60

64 Bijak Malaysia 25 RM1,200

* 5% 10%

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

100
37,800
37,600
37,300
37,000
36,800
36,500
36,200
35,900
35,500
35,200
34,900
34,500
34,100
33,700
33,300
32,800
32,300
31,800
31,300
30,900
30,400
29,800
29,400
28,900
28,300
27,800
27,100
26,400
25,800
25,000
24,200
23,500
22,600
21,700
20,900
20,000
19,100
18,200
17,300
16,500
15,500
14,500
13,600
12,600
11,500
10,600
9,500
8,300
7,300
6,100
4,900

200
79,500
79,000
78,400
77,900
77,300
76,700
76,100
75,400
74,700
73,900
73,300
72,600
71,700
70,800
69,900
68,900
67,900
66,900
65,900
64,900
63,800
62,800
61,800
60,700
59,500
58,400
57,100
55,700
54,200
52,700
51,100
49,500
47,700
45,900
44,200
42,400
40,600
38,700
36,800
35,100
33,100
31,100
29,300
27,200
25,000
23,000
20,800
18,400
16,400
13,900
11,400

300
121,200
120,400
119,600
118,700
117,900
116,900
115,900
115,000
113,800
112,700
111,700
110,600
109,200
107,900
106,500
105,000
103,600
102,000
100,400
98,900
97,300
95,700
94,200
92,500
90,800
89,000
87,000
84,800
82,700
80,400
77,900
75,500
72,900
70,100
67,500
64,700
62,100
59,200
56,300
53,800
50,800
47,600
44,900
41,700
38,400
35,500
32,100
28,500
25,400
21,800
18,000

500
204,500
203,300
201,800
200,400
198,900
197,300
195,700
194,100
192,100
190,200
188,600
186,700
184,400
182,200
179,800
177,300
174,800
172,200
169,500
166,900
164,200
161,500
159,000
156,200
153,300
150,300
146,900
143,300
139,700
135,800
131,700
127,500
123,100
118,600
114,100
109,400
105,000
100,300
95,300
91,000
86,000
80,800
76,200
70,900
65,300
60,400
54,700
48,800
43,600
37,400
31,100

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

100
38,200
38,000
37,700
37,500
37,200
36,900
36,700
36,400
36,000
35,700
35,400
35,000
34,700
34,300
34,000
33,500
33,100
32,600
32,100
31,600
31,100
30,500
30,100
29,500
29,000
28,400
27,800
27,200
26,600
25,900
25,100
24,300
23,500
22,600
21,800
20,900
20,000
19,100
18,200
17,300
16,300
15,200
14,300
13,200
12,100
11,100
9,900
8,700
7,600
6,400
5,000

200
80,300
79,900
79,400
78,800
78,300
77,700
77,100
76,500
75,800
75,200
74,400
73,700
72,900
72,200
71,500
70,500
69,600
68,600
67,500
66,500
65,400
64,300
63,200
62,100
60,900
59,900
58,600
57,300
56,000
54,600
53,000
51,400
49,700
48,000
46,200
44,300
42,600
40,600
38,700
36,900
34,900
32,700
30,800
28,600
26,300
24,200
21,800
19,300
17,100
14,600
11,900

300
122,500
121,800
121,000
120,200
119,400
118,500
117,600
116,700
115,500
114,600
113,400
112,300
111,200
110,100
109,000
107,500
106,100
104,600
103,000
101,400
99,700
98,000
96,400
94,700
92,900
91,300
89,400
87,400
85,400
83,200
80,800
78,500
76,000
73,300
70,600
67,800
65,100
62,300
59,300
56,500
53,400
50,100
47,300
44,000
40,400
37,300
33,700
30,000
26,700
22,800
18,700

500
206,800
205,600
204,300
202,900
201,500
200,000
198,400
196,900
195,000
193,400
191,500
189,600
187,700
185,800
184,000
181,400
179,100
176,500
173,800
171,200
168,400
165,500
162,700
159,800
156,900
154,100
151,000
147,600
144,300
140,600
136,600
132,700
128,400
123,900
119,400
114,600
110,100
105,300
100,200
95,800
90,600
85,100
80,300
74,700
68,800
63,600
57,500
51,300
45,600
39,200
32,500


5%
%

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

100
1,890
1,880
1,865
1,850
1,840
1,825
1,810
1,795
1,775
1,760
1,745
1,725
1,705
1,685
1,665
1,640
1,615
1,590
1,565
1,545
1,520
1,490
1,470
1,445
1,415
1,390
1,355
1,320
1,290
1,250
1,210
1,175
1,130
1,085
1,045
1,000
955
910
865
825
775
725
680
630
575
530
475
415
365
305
245

200
3,975
3,950
3,920
3,895
3,865
3,835
3,805
3,770
3,735
3,695
3,665
3,630
3,585
3,540
3,495
3,445
3,395
3,345
3,295
3,245
3,190
3,140
3,090
3,035
2,975
2,920
2,855
2,785
2,710
2,635
2,555
2,475
2,385
2,295
2,210
2,120
2,030
1,935
1,840
1,755
1,655
1,555
1,465
1,360
1,250
1,150
1,040
920
820
695
570

300
6,060
6,020
5,980
5,935
5,895
5,845
5,795
5,750
5,690
5,635
5,585
5,530
5,460
5,395
5,325
5,250
5,180
5,100
5,020
4,945
4,865
4,785
4,710
4,625
4,540
4,450
4,350
4,240
4,135
4,020
3,895
3,775
3,645
3,505
3,375
3,235
3,105
2,960
2,815
2,690
2,540
2,380
2,245
2,085
1,920
1,775
1,605
1,425
1,270
1,090
900

500
10,225
10,165
10,090
10,020
9,945
9,865
9,785
9,705
9,605
9,510
9,430
9,335
9,220
9,110
8,990
8,865
8,740
8,610
8,475
8,345
8,210
8,075
7,950
7,810
7,665
7,515
7,345
7,165
6,985
6,790
6,585
6,375
6,155
5,930
5,705
5,470
5,250
5,015
4,765
4,550
4,300
4,040
3,810
3,545
3,265
3,020
2,735
2,440
2,180
1,870
1,555

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50

100
1,910
1,900
1,885
1,875
1,860
1,845
1,835
1,820
1,800
1,785
1,770
1,750
1,735
1,715
1,700
1,675
1,655
1,630
1,605
1,580
1,555
1,525
1,505
1,475
1,450
1,420
1,390
1,360
1,330
1,295
1,255
1,215
1,175
1,130
1,090
1,045
1,000
955
910
865
815
760
715
660
605
555
495
435
380
320
250

200
4,015
3,995
3,970
3,940
3,915
3,885
3,855
3,825
3,790
3,760
3,720
3,685
3,645
3,610
3,575
3,525
3,480
3,430
3,375
3,325
3,270
3,215
3,160
3,105
3,045
2,995
2,930
2,865
2,800
2,730
2,650
2,570
2,485
2,400
2,310
2,215
2,130
2,030
1,935
1,845
1,745
1,635
1,540
1,430
1,315
1,210
1,090
965
855
730
595

300
6,125
6,090
6,050
6,010
5,970
5,925
5,880
5,835
5,775
5,730
5,670
5,615
5,560
5,505
5,450
5,375
5,305
5,230
5,150
5,070
4,985
4,900
4,820
4,735
4,645
4,565
4,470
4,370
4,270
4,160
4,040
3,925
3,800
3,665
3,530
3,390
3,255
3,115
2,965
2,825
2,670
2,505
2,365
2,200
2,020
1,865
1,685
1,500
1,335
1,140
935

500
10,340
10,280
10,215
10,145
10,075
10,000
9,920
9,845
9,750
9,670
9,575
9,480
9,385
9,290
9,200
9,070
8,955
8,825
8,690
8,560
8,420
8,275
8,135
7,990
7,845
7,705
7,550
7,380
7,215
7,030
6,830
6,635
6,420
6,195
5,970
5,730
5,505
5,265
5,010
4,790
4,530
4,255
4,015
3,735
3,440
3,180
2,875
2,565
2,280
1,960
1,625

1. Bijak Malaysia 88 55
5%
2. 3
3. RM100 , RM200 ,
RM300 RM500
4.
5.
6. () 30
7.
8. 15
()

Bijak Malaysia

BIJAK MALAYSIA

BIJAK MALAYSIA

1996149(4) N.A.

()
NRIC

()

()

(
)

()
NRIC

()

()

()

(
(

RM100
RM300

RM200
RM500

RM

1996XIII:1996163(3)

()
NRIC

()

()

(
)

(a)
;;;
(b) 2 ////
(c)
(d) .

(1) ()
(1)
(2)
(3)
(2)

()

()

( - )

:
/

200116(2)
/

NRIC

Maybank-BijakNiamBOOKLET-2009v_FA.ai 1 7/30/2009 12:07:37 PM