Medical coverage with flexibility for your future

LB MediShield Plus benefits at a glance:

IlexIble serIes oI deductIble levels.
AIIordable premIum as you only pay accordIng to your needs.
ketIrement 0ptIon (1hIs optIon must be elected at applIcatIon): PrIvIlege to reduce to zero or maIntaIn exIstIng level oI deductIble at 55 years old (nearest
bIrthday) wIthout underwrItIng requIrement.
WIder coverage as koom 8 Board (k8B) and CatastrophIc 0ut-patIent 1reatment BeneIIts are not sub|ect to level oI deductIble chosen.
Hassle-Iree payment method.
Independent stand alone H8S plan I.e. there Is no need to purchase a basIc plan.
|ntroducing LB MediShield Plus, a unique hospital & surgical plan (R&S) that offers you a series of deductible levels
to choose from. By choosing a higher deductible, you can reduce your premiums substantially and yet be
adequately protected - any amount below the chosen deductible level will either be borne by you, or your employer
or it may be recovered from other R&S policy you may have. 1he premium amount is lower as you are only paying
for the added protection portion. As such, LB MediShield Plus is a perfect complement to any of your existing R&S
coverage.
But what happens once you retire and is longer eligible for your employer's R&S coverage With LB MediShield
Plus, you do not have to worry for it comes with a retirement option. When you reach 55 years old (nearest
birthday) - you can either reduce your current deductible to zero where your future premium will then be adjusted
accordingly or opt to continue with the current chosen level of deductible. 1his means, you enjoy continuous and
adequate R&S protection even after retirement.
Secure your future with LB MediShield Plus todayl
PcrlinJungon pcruooton jlcksiocl untuk moso Jcpon onJo
locJon-jocJon f8 VcJi5niclJ Plus scpintos lolu:
PelbagaI pIlIhan paras deduktIbel.
PremIum yang memadaI kerana anda cuma bayar mengIkut keperluan anda.
PIlIhan Persaraan: Hak untuk meneruskan atau mengurangkan paras deduktIbel kepada sIIar ketIka berumur 55 tahun (harI|adI terdekat) tanpa
pengunderaItan. PIlIhan InI mestI dIbuat ketIka permohonan.
PerlIndungan yang luas dI mana Bayaran BIlIk dan PengInapan (k8B) dan Iaedah kawatan PesakIt Iuar Yang DItImpa Bencana adalah tIdak tertakluk
kepada paras deduktIbel yang terpIlIh.
Cara pembayaran premIum yang mudah.
Pelan H8S yang tersendIrI, I.e. tIdak perlu mengambIl pelan asas.
Vcmpcrkcnolkon f8 VcJi5niclJ Plus, pclon nospitol Jon pcmocJonon (&5) unik jong mcnoworkon pcloogoi
pilinon poros JcJuktiocl. 0cngon pilinon poros JcJuktiocl jong tinggi, onJo oolcn mcrcnJonkon prcmium Ji
somping mcnJopotkon pcrlinJungon jong sccukupnjo - scoorong jumlon kos pcruooton Ji oowon poros JcJuktiocl
jong Jipilin somo oJo okon Jitonggung olcn onJo, mojikon onJo otou JoripoJo pclon &5 loin jong onJo miliki.
lumlon prcmium oJolon lcoin rcnJon kcrono onJo cumo mcmoojor untuk pcrlinJungon tomoonon. 0lcn Jcmikion,
f8 VcJi5niclJ Plus oJolon pclon pclcngkop oogi scoorong pcrlinJungon &5 jong onJo scJio miliki.
8ogoimono kctiko onJo ocrsoro Jon tiJok logi mcnJopot pcrlinJungon &5 JoripoJo mojikon onJo? 0cngon f8
VcJi5niclJ Plus, onJo tiJok pcrlu risou kcrono pclon ini mcnoworkon pilinon pcrsoroon. /pooilo onJo mcncopoi
umur 55 tonun (norijoJi tcrJckot) - onJo somo oJo oolcn mcmilin untuk mcngurongkon poros JcJuktiocl jong
tcrpilin kcpoJo poros JcJuktiocl sijor Ji mono prcmium kcmuJionnjo okon Jiscloroskon, otou mcmilin untuk
mcngckolkon poros JcJuktiocl sckorong. lni ocrmokno onJo Jopot mcnikmoti pcrlinJungon &5 jong mcmoJoi
woloupun sctclon ocrsoro.
Postikon moso Jcpon onJo tcrjomin Jcngon f8 VcJi5niclJ Plusl
1able 0f Benefits j loJuol locJon
Lligibility j kclojokon
Lntry Age Limits (Age nearest birthday) j oJ umur kcmosukon (umur poJo norijoJi tcrJckot)
Life Assured j 0rong 0iinsuronskon
kenewal Age j umur Pcmoonoruon
3O days j nori 6O years old j tonun
Maximum ntry Age
Umur kemasukan Maksimum
Up to 8O years old j 5cninggo umur 80 tonun
Minimum ntry Age
umur kemcsukcn Minimum
1
keasonable and Customary Charges based on Private RealthCare Pacilities and Services (Private Rospitals and 0ther Private RealthCare Pacilities) kegulation 2OO6 in Malaysia.

Pcroturon-Pcroturon kcmuJonon Jon PcrkniJmoton logoon kcsinoton 5wosto (ospitol 5wosto Jon kcmuJonon logoon kcsinoton 5wosto loin) 2006.
Note j hoto:
ketirement option is only available to Life Assured (with deductible option) aged 54 years old and below. Por Life Assured 55 - 6O years old, N0 retirement option will be available.
Pilinon pcrsoroon iolon untuk 0rong 0iinsuronskon (jong mcmpunjoi pclon Jcngon poros JcJuktiocl) ocrumur Ji oowon 54 tonun. untuk 0rong 0iinsuronskon ocrumur 55 - 60 tonun, tioJo pilinon
pcrsoroon jong Jitoworkon.
0verall Annual Limit (includes benefit A and 0) j oJ !onunon (tcrmosuk jocJon / Jon 0)
0verall Lifetime Limit (includes benefit A to 0) j oJ 5cponjong ojot (tcrmosuk jocJon / ninggo 0)
Pespita|isatien & Surgica| 8eneIit j fcedch kcwctcn 0i Bospitc/ & 5urgeri
Rospital koom & Board (Not Subject 1o Level 0f 0eductible) (15O days per any one 0isability) j 8ojoron
8ilik & Pcnginopon (tiJok tcrtokluk kcpoJo poros JcJuktiocl) (50 nori untuk sctiop kctiJokupojoon)
|ntensive Care Unit (50 Jojs pcr conjincmcnt) f unit Pcnjogoon kopi (50 nori sctiop koli)
Rospital Supplies & Services j 8ckolon & PcrkniJmoton ospitol
Surgical Pees j uron 5urgcri
Specialist's visit j lowoton Pokor
Post Surgery Care j logoon 5clcpos 5urgcri
(upto60Jojs jollowingJotcoj Jiscnorgcor Jotc oj Jojsurgcrj) f (scninggo60nori ocrikutontoriknkcluor nospitol otoutoriknpcmocJononnorion)
Anaesthetist Pees j uron /nocstctik
0perating 1heatre Pees j uron 8ilik PcmocJonon
|n-Rospital Physician visit-for non-surgical 0isability (mox 2 visits pcr Joj) f lowoton 0oktor 0olomon
orion - untuk Jisooiliti oukon surgcri (moksimum 2 lowoton scnori)
Pre-Rospitalisation 0iagnostic 1ests (witnin J Jojs prior to nospitolisotion) f ujion 0iognostik 5coclum
kcmosukon ospitol (Jolom tcmpon J nori scoclum pcngnospitolon)
Pre-Rospitalisation Specialist Consultation (witnin J Jojs prior to nospitolisotion) f kniJmot
lurupcrunJing Pokor 5coclum kcmosukon ospitol (Jolom tcmpon J nori scoclum pcngnospitolon)
Post Rospitalisation 1reatment (witnin 60 Jojs jollowing Jiscnorgc jrom nospitol) f kowoton 5clcpos
kcluor ospitol (Jolom tcmpon 60 nori sclcpos kcluor Jori nospitol)
Rome Nursing Care (mox 80 Jojs pcr lijctimc) f Pcnjogoon 0i kumon (moksimum 80 nori scumur nojot)
Ambulance Pees j uron /moulons
0ut-Patient 1reatment 8eneIits (per annum] j fcedch kcwctcn Pesckit lucr (tchuncn)
Lmergency Accidental 0ut-Patient 1reatment & 3O 0ays Pollow Up 1reatment
kowoton kcmolongon Pcsokit luor & J0 nori kowoton 5usulon
0ut-Patient Cancer 1reatment j kowoton konscr Pcsokit luor
0ut-Patient Kidney 0ialysis 1reatment j kowoton 0iolisis 8uon Pinggong Pcsokit luor
Catastrephic 0ut-Patient 1reatment 8eneIits (per annum](Net subject te Leve| 0I 0eductib|e]
0ut-Patient Stroke 1reatment j kowoton 5trok Pcsokit luor
0ut-Patient Major 0rgan 1ransplant 1reatment j kowoton PcminJonon 0rgon utomo Pcsokit luor
0ut-Patient Physiotherapy 1reatment (suojcct to o moximum oj 5 scssions jollowing cocn nospitol Jiscnorgc, up to
o moximum oj 20 scssions pcr policj jcor, suojcct to tnc onnuol limit ) f kowoton lisiotcropi Pcsokit luor (tcrtokluk
kcpoJo 5 scsi sctiop koli kcluor Jori nospitol, moksimum 20 scsi sctiop tonun polisi, tcrtokluk kcpoJo noJ tonunon)
Misce||aneeus 8eneIits (Net Subject 1e Leve| 0I 0eductib|e]
Covernment Service 1ax j Cukoi PcrkniJmoton kcrojoon
0aily Cash Allowance at Covernment Rospital (mox 00 Jojs pcr onnum) f !unoi orion Ji ospitol
kcrojoon (moksimum 00 nori sctonun)
8ereavement 8eneIit (Net Subject 1e Leve| 0I 0eductib|e] j
0eath (oll couscs) f kcmotion (scmulojoJi & kcmolongon)
0ptiena| Leve|s eI 0eductib|e j Pi/ihcn Pcrcs 0eduktibe/
A
1.
2.
3.
4.
5.
6.
7.
8
9.
1O.
11.
12.
8
1.
2.
3.
C
1.
2.
3.
0
1.
2.

1.
|
P|an 1 j Pe|an 1
(kM]

P|an 2 j Pe|an 2
(kM]

P|an 3 j Pe|an 3
(kM]

P|an 4 j Pe|an 4
(kM]

As Charged (includes day surgery) subject to
keasonable and Customary Charges
1

j 8ojoron jong
Jikcnokon (tcrmosuk surgcri woktu siong) tcrtokluk
kcpoJo coj-coj 8crpotuton Jon lozim
1

25,OOO
25O,OOO
8O
5O,OOO
5OO,OOO
1OO
1OO,OOO
1,OOO,OOO
2OO
15O,OOO
1,5OO,OOO
3OO
5OO
5,OOO
5,OOO
5,OOO
5,OOO
5,OOO
1O,OOO
1O,OOO
1O,OOO
15,OOO
15,OOO
15,OOO
2O,OOO
2O,OOO
2O,OOO
25
5,OOO
O
2,OOO
5,OOO
1O,OOO
15,OOO
5O
5,OOO
75
1O,OOO
1OO
1O,OOO
1,OOO
1O,OOO
1O,OOO
2,OOO
15,OOO
15,OOO
3,OOO
2O,OOO
2O,OOO
j fcedch lcin-lcin (7idck 7ertck/uk kepcdc Pcrcs 0eduktibe/)
As Charged j 8ojoron jong Jikcnokon
kM
fcedch kcwctcn Pesckit lucr Ycng 0itimpc 8enccnc (tchuncn)(7idck 7ertck/uk kepcdc Pcrcs 0eduktibe/)
fcedch kemcticn (7idck 7ertck/uk kepcdc Pcrcs 0eduktibe/)
Claims Scenario j 5cnorio !untuton
Mr. A has an existing hospital & surgical (R&S) plan provided by his employer. Re also purchased a LB MediShield Plus (Plan 2) to top-up his R&S cover. j fn. / tclon mcmpunjoi pcrlinJungon
nospitol & pcmocJonon (&5) tcrscJio oJo jong Jipcruntukkon olcn sjorikotnjo. fn. / jugo mcmiliki f8 VcJi5niclJ Plus (Pclon 2) untuk mcnomoonkon pcrlinJungon &5njo.
koom & Board (k&B)
Bayaran Bilik & Penginapan (k&B)
Level of 0eductible
2
j Poros 0cJuktiocl
2
Co-Payment
3
j 8ojoron 8crsomo
3
0verall Annual Limit j oJ !onunon
Claims Scenario 1 j 5cnorio !untuton
1) k&B (kM15O x 1O days) j k&8 (kV50 x 0 nori) = kM1,5OO
2) Lligible Surgical Pees & other expenses j uron pcmocJonon & pcroclonjoon loin jong lojok = kM3,OOO
Claims Scenario 2 j 5cnorio !untuton 2
1) k&B (kM15O x 1O days) j k&8 (kV50 x 0 nori) = kM1,5OO
2) Lligible Surgical Pees & other expenses j uron pcmocJonon & pcroclonjoon loin jong lojok = kM15,OOO
kM1OOjday j kV00 scnori
Nil j !ioJo
8OZ j2OZ
kM8,OOO
xisting Pespita| & Surgica| (P&S] P|an
Pe/cn Bospitc/ & Pembedchcn (B&5) 7ersedic 4dc
kM1OOjday j kV00 scnori
kM5,OOO
Nil j !ioJo
kM5O,OOO
8 MediShie|d P|us - P|an 2
f8 Medi5hie/d P/us - Pe/cn 2
Particu|ars
Perkcrc
Lligible Medical Lxpenses |ncurred after staying in
the hospital for 1O days j Pcroclonjoon pcruooton
jong lojok sclcpos 0 nori Ji nospitol
Por Claims Scenario 1, LB MediShield Plus will reimburse the additional k&B expenses of kM5OO because the k&B is not subject to level of deductible. As the total eligible expenses incurred is below the
level of deductible for LB MediShield Plus, no other eligible medical expenses will be payable under LB MediShield Plus. Rence, the 2OZ co-payment imposed by his existing R&S plan of kM6OO will be
borne by Mr. A. j untuk 5cnorio !untuton , f8 VcJi5niclJ Plus okon mcmoojor oolik kV500 untuk pcroclonjoon k&8 jong ocrlcoinon kcrono k&8 tiJok tcrtokluk kcpoJo poros JcJuktiocl. 0lcn
kcrono jumlon pcroclonjoon jong lojok tcrlctok Ji oowon poros JcJuktiocl, moko tioJo tuntuton pcroclonjoon pcruooton jong lojok okon Jioojor olcn f8 VcJi5niclJ Plus. 0cngon ini, 20Z
oojoron ocrsomo jong Jikcnokon olcn pclon &5 fn. / jong tcrscJio oJo ocrjumlon kV600 okon Jitonggung olcn fn./.
k&B (kM15O x 1O day j hari)
Surgical Pee & other eligible medical expenses j
uron pcmocJonon & loin-loin pcroclonjoon
pcruooton jong lojok
1otal j lumlon
1,5OO
3,OOO
4,5OO
1,OOO
2,4OO
(3,OOO x 8OZ)
3,4OO
5OO
O
5OO
O
6OO
(3,OOO x 2OZ)
3
6OO
|igib|e Medica|
xpenses(kM]
Perbe/cnjccnPerubctcn
ycng lcyck (kM)
Ameunt reimbursed under respective p|an and Mr. A
Ium/ch 0ibcycr 8c/ik untuk 5eticp Pe/cn dcn fn. 4
xisting P&S P|an (kM]
Pe/cn B&5 7ersedic 4dc (kM)
8 MediShie|d P|us (kM]
f8 Medi5hie/d P/us (kM)
Mr. A (kM]
fn. 4 (kM)
Particu|ars
Perkcrc
Amount payable under Claims Scenario 1 j lumlon oolcn Jioojor Ji oowon 5cnorio !untuton
Por Claims Scenario 2, LB MediShield Plus will reimburse the additional k&B expenses of kM5OO because the k&B is not subject to level of deductible. As the total eligible expenses incurred is
above the level of deductible for LB MediShield Plus, all other eligible medical expenses inclusive of the 2OZ co-payment imposed by his existing R&S plan, exclude expenses being paid by his
existing R&S plan, will be payable under LB MediShield Plus, which is kM9,9OO. j untuk 5cnorio !untuton 2, f8 VcJi5niclJ Plus okon mcmoojor oolik kV500 untuk pcroclonjoon k&8 jong
ocrlcoinon kcrono k&8 tiJok tcrtokluk kcpoJo poros JcJuktiocl. 0lcn kcrono jumlon pcroclonjoon jong lojok tcrlctok Ji otos poros JcJuktiocl, moko f8 VcJi5niclJ Plus okon mcmoojor scmuo
tuntuton pcroclonjoon pcruooton jong lojok ocrjumlon kV,00 Jimono io tcrmosuk 20Z oojoron ocrsomo jong Jikcnokon olcn pclon &5 fn. / jong tcrscJio oJo, kccuoli
pcroclonjoon-pcroclonjoon pcruooton jong tclon Jioojor olcn pclon &5 fn. / jong tcrscJio oJo.
2

"Level of 0eductible" refers to the portion of Lligible Lxpenses for which Mr. A is liable before any benefits are payable under LB MediShield Plus. j "Poros 0cJuktiocl oJolon oonogion
pcroclonjoon-pcroclonjoon lojok jong pcrlu Jitonggung olcn fn. / scoclum tuntutoton Jiouot kc otos f8 VcJi5niclJ Plus.
3

"Co-payment" refers to the portion of eligible medical expenses (excluding the k&B) that is to be borne by Mr. A, if Mr. A decides to stay in a hospital room which costs more than the daily k&B benefit of his
existing R&S plan. 1he quantum of co-payment varies from one R&S plan to another. |n this example of Mr. A, the co-payment is 2OZ of the total eligible medical expenses (excluding the expenses incurred
for k&B). j "8ojoron 8crsomo oJolon oonogion pcroclonjoon pcruooton lojok (tiJok tcrmosuk k&8) jong pcrlu Jitonggung olcn fn. / sckironjo fn. / mcnginopi oilik nospitol jong mono kosnjo mclcoini noJ
k&8 norionnjo jong tcrkonJung Jolom pclon &5njo jong tcrscJio oJo. kuontum oojoron ocrsomo oJolon ocroczo mcngikut pclon &5. 0i Jolom conton fn. / ini,oojoron ocrsomo iolon 20Z JoripoJo jumlon
pcroclonjoon pcruooton jong lojok (kccuoli pcroclonjoon k&8).
4
Lxisting R&S 0verall Annual Limit - Lligible k&B (1O days) = kM8,OOO - kM1,OOO = kM7,OOO j oJ tonunon pclon &5 jong tcrscJio oJo - k&8 jong lojok (0 nori) = kV8,000 - kV,00O = kM7,OOO
Amount payable under Claims Scenario 2 j lumlon oolcn Jioojor Ji oowon 5cnorio !untuton 2
1,5OO
15,OOO
16,5OO
1,OOO
5,6OO
(7,OOO
4
x 8OZ)
6,6OO
5OO
1,4OO (7,OOO
4
x 2OZ)
3
8,OOO
9,9OO
O
O
O
|igib|e Medica|
xpenses(kM]
Perbe/cnjccn Perubctcn
ycng lcyck (kM)
Ameunt reimbursed under respective p|an and Mr. A
Ium/ch 0ibcycr 8c/ik untuk 5eticp Pe/cn dcn fn. 4
Particu|ars
Perkcrc
xisting P&S P|an (kM]
Pe/cn B&5 7ersedic 4dc (kM)
8 MediShie|d P|us (kM]
f8 Medi5hie/d P/us (kM)
Mr. A (kM]
fn. 4 (kM)
k&B (kM15O x 1O day j hari)
Surgical Pee & other eligible medical expenses j
uron pcmocJonon & loin-loin pcroclonjoon
pcruooton jong lojok
1otal j lumlon
early Premium kates j koJor Prcmium !onunon
338.4O
242.4O
328.8O
348.OO
379.2O
51O.OO
781.2O
1153.2O
1572.OO
2122.8O
2815.2O
3679.2O
32O.4O
228.OO
3O7.2O
322.8O
349.2O
462.OO
7O8.OO
1O36.8O
1413.6O
1911.6O
255O.OO
3369.6O
6O9.6O
423.6O
583.2O
616.8O
673.2O
9O9.6O
1412.4O
2O94.OO
2866.8O
3886.8O
5182.8O
6822.OO
663.6O
469.2O
648.OO
686.4O
751.2O
1O2O.OO
1582.8O
2348.4O
3213.6O
4346.4O
5774.4O
7554.OO
3O6.OO
192.OO
282.OO
495.6O
5O5.2O
537.6O
6O8.4O
843.6O
1134.OO
1525.2O
2O6O.4O
2798.4O
321.6O
2O4.OO
3OO.OO
528.OO
548.4O
598.8O
688.8O
954.OO
127O.8O
1687.2O
2252.4O
3O25.2O
579.6O
351.6O
531.6O
957.6O
986.4O
1O7O.4O
123O.OO
1716.OO
23O6.4O
3O92.4O
4164.OO
5636.4O
628.8O
387.6O
588.OO
1O64.4O
11O2.8O
12O4.8O
1387.2O
1932.OO
2584.8O
3445.2O
46O8.OO
6198.OO
Male early Premium j Prcmium !onunon lcloki (kV) Pemale early Premium j Prcmium !onunon Pcrcmpuon (kV)
O - 6
7 - 15
16 - 2O
21 - 3O
31 - 4O
41 - 5O
51 - 55
56 - 6O
61 - 65
66 - 7O
71 - 75
76 - 8O
Age Band j
umur kumpulon
Zero Level of 0eductible j Poros 0cJuktiocl 5ijor
Plan 1 j Pclon Plan 2 j Pclon 2 Plan 3 j Pclon J Plan 4 j Pclon 4 Plan 1 j Pclon Plan 2 j Pclon 2 Plan 3 j Pclon J Plan 4 j Pclon 4
Prequently Asked Questions
Who is eligible
All IndIvIduals aged J0 days old to 60 years old (age nearest bIrthday)
are allowed to apply. 1hIs plan Is guaranteed renewable up to age S0
years old.
Can | change my plan or level of deductible
Yes. You may request to change your plan (I.e. upgradIngjdowngradIng
oI plan andjor IncreasIngjdecreasIng the level oI deductIble) at any
premIum due date. However, upgradIng oI plan or decreasIng oI level
oI deductIble Is sub|ect to underwrItIng (other than the reductIon In
level oI deductIble In the retIrement optIon) and hence, J0 days
waItIng perIod wIll be re- applIed on the Increased beneIIt Irom the
approval date.
|s the policy subject to a waiting period
Yes. 1here Is a standard J0 days waItIng perIod Ior the H8S beneIIt
Irom the Issue date or any reInstatement date, whIchever Is later
except Ior a covered AccIdent occurIng aIter the Issue date. Ior specIIIc
Illnesses, there Is a 120 days waItIng perIod Irom the Issue date or any
reInstatement date, whIchever Is later, provIded It Is not pre-exIstIng
Illnesses.
|s there any exclusion
Yes, as In any medIcal 8 health product, thIs plan Is oIIered wIth
standard exclusIons. Please reIer to the IxclusIon sectIon In thIs
brochure or your polIcy contract Ior detaIled InIormatIon.
Row do | make a claim
II you have chosen a polIcy wIth a medIcal card (IB VedIShIeld wIth
zero level oI deductIble), you |ust need to present your medIcal card
upon admIssIon at any oI our panel hospItals. 1he hospItal wIll be In
contact wIth our Vanaged Care 0rganIzatIon (VC0) and your
hospItalIzatIon and surgIcal needs wIll be taken care oII (sub|ect to
polIcy terms and condItIons). Ior enquIrIes, you may contact the
24-hour VC0 Call Centre at 1-S00-SS-1J11 or 0J-7954 4629.
II you have chosen a polIcy wIthout a medIcal card (IB VedIShIeld
wIth other than zero level oI deductIble), please submIt your claIm by
contactIng the AllIanz IIIe Call Centre at 0J-2161 6001 or emaIl to
partnerQallIanz.com.my Ior reImbursements oI medIcal expenses
covered by your polIcy terms and condItIons.
1.
2.
3.
4.
5.
6.
1.
2.
3.
4.
5.
6.
Who is the underwriter
AllIanz Is a leadIng IInancIal company wIth an InternatIonal network
oI 700 subsIdIarIes, |oInt ventures and aIIIlIates. Supported by a team
oI more than 17S,000 employees worldwIde, AllIanz provIdes Its 60
mIllIon customers In over 70 countrIes wIth comprehensIve servIces
In the areas oI Insurance, bankIng and asset management.
In 2007, AllIanz recorded total revenues oI 102.6 bIllIon euros
(kV4S2.94 bIllIon), net Income oI 7.966 bIllIon euros (kVJ7.5 bIllIon)
and managed thIrd party assets oI 765 bIllIon euros (kVJ.6 trIllIon).
In ValaysIa, AllIanz Is represented In the lIIe Insurance segment by
AllIanz IIIe Insurance ValaysIa Berhad (AllIanz IIIe ValaysIa). 1he
Company oIIers a comprehensIve range oI lIIe Insurance, health
Insurance and Investment products, through agents, bancassurance,
dIrect marketIng and brokers.
In 2007, the Company recorded total gross wrItten premIums (CWP)
oI kV595 mIllIon and total assets oI kV1.69 bIllIon.
1 Iuro = kV4.707 (average exchange rate Ior 2007)
Siapa yang layak
Semua IndIvIdu berumur dI antara J0 harI - 60 tahun (umur
mengIkut harI|adI terdekat) dIbenarkan untuk memohon. Pelan InI
boleh dIperbaharuI sehIngga umur S0 tahun.
Adakah saya dibenarkan menukar pelan atau paras deduktibel
Ya. Anda boleh memohon untuk menukar pelan anda (I.e.
menambahkanjmengurangkan pelan danjatau menambahkan
jmengurangkan paras deduktIbel) pada sebarang tarIkh premIum
perlu dIbayar. Walau bagaImanapun, penIngkatan pelan atau
pengurangan paras deduktIbel adalah tertakluk kepada
pengunderaItan (selaIn darIpada pengurangan paras deduktIbel
dalam pIlIhan persaraan) dan dengan InI, J0 harI tempoh menunggu
akan dIkenakan semula keatas Iaedah tambahan bermula darI tarIkh
PolIsI dIluluskan.
Adakah Polisi ini tertakluk kepada tempoh menunggu
Ya. 1erdapat tempoh menunggu pIawaI selama J0 harI untuk Iaedah
H8S darI tarIkh pengeluaran PolIsI InI atau mana-mana tarIkh
pembaharuan semula, yang mana lebIh lewat kecualI bagI
perlIndungan kemalangan yang berlaku selepas tarIkh pengeluaran
PolIsI InI. Untuk penyakIt-penyakIt spesIIIk, tempoh menunggu
adalah selama 120 harI darI tarIkh pengeluaran PolIsI InI atau
mana-mana tarIkh pembaharuan semula, yang mana lebIh lewat,
asalkan Ia bukan penyakIt yang sedIa ada.
Adakah terdapat sebarang pengecualian
Ya. SepertI dalam mana-mana produk perubatan dan kesIhatan,
pelan InI dItawarkan dengan pengecualIan-pengecualIan pIawaI. SIla
ru|uk kepada bahagIan PengecualIan dalam rIsalah InI atau kontrak
PolIsI untuk maklumat lan|ut.
Bagaimanakah saya membuat tuntutan
SekIranya anda memIlIh PolIsI yang mempunyaI kad perubatan (IB
VedIShIeld dengan paras deduktIbel sIIar), anda cuma perlu
mengemukakan kad perubatan anda ketIka memasukI mana-mana
hospItal panel kamI.PIhak hospItal kemudIannya akan berurusan
dengan Pertubuhan Pen|agaan 1erurus (VC0) dan keperluan
kemasukan hospItal dan pembedahan anda akan dIuruskan
(tertakluk kepada terma-terma dan syarat-syarat PolIsI). Untuk
pertanyaan, anda boleh menghubungI Pusat PanggIlan VC0 24-|am
dI talIan 1-S00-SS-1J11 atau 0J-7954 4629
SekIranya anda memIlIh PolIsI yang tIdak mempunyaI kad perubatan
(IB VedIShIeld dengan paras deduktIbel selaIn darIpada sIIar), anda
boleh menga|ukan tuntutan anda dengan menghubungI Pusat PanggIlan
AllIanz IIIe dI talIan 0J-2161 6001 atau e-mel kepada
partnerQallIanz.com.my untuk pembayaran balIk perbelan|aan
perubatan yang dIlIndungI oleh terma-terma dan syarat-syarat PolIsI anda.
Siapakah penanggung insurans untuk pelan ini
AllIanz adalah syarIkat kewangan yang terkemuka dengan rangkaIan
antarabangsa yang melIputI 700 anak syarIkat, syarIkat usahasama
dan gabungan. AllIanz dIsokong oleh lebIh darIpada 17S,000
kakItangan dI seluruh dunIa dan memberIkan perkhIdmatan
menyeluruh dalam bIdang Insurans, perbankan dan pengurusan aset
kepada 60 |uta pelanggan dI lebIh 70 buah negara.
Pada tahun 2007, AllIanz mencatatkan hasIl ber|umlah 102.6 bIlIon
euro (kV4S2.94 bIlIon), |umlah pendapatan bersIh sebanyak 7.966
bIlIon euro (kVJ7.5 bIlIon) dan menguruskan aset pIhak ketIga
ber|umlah 765 bIlIon euro (kVJ.6 trIlIon).
DI ValaysIa, AllIanz IIIe Insurance ValaysIa Berhad (AllIanz IIIe
ValaysIa) mewakIlI kepentIngan AllIanz dalam segmen Insurans
hayat. AllIanz IIIe ValaysIa menawarkan rangkaIan menyeluruh
Insurans hayat, Insurans kesIhatan serta produk pelaburan melaluI
e|en-e|en, bancasurans, pemasaran terus dan broker.
Pada tahun 2007, AllIanz IIIe ValaysIa telah mencatatkan |umlah
premIum kasar (CWP) sebanyak kV595 |uta dan |umlah aset
sebanyak kV1.69 bIlIon.
1 Iuro = kV4.707 (kadar tukaran purata bagI 2007)
Soalan-soalan ang Sering 0itanya
|er mere inIermatien, p|ease ca|| A||ianz LiIe Ca|| Centre at (03] 2161 6001 er emai| te partner@a||ianz.cem.my
Untuk mak|umat |anjut, si|a hubungi A||ianz LiIe Ca|| Centre (03] 2161 6001 atau e-me| kepada partner@a||ianz.cem.my
|mportant Notice j hotis Pcnting
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1his brochure is not a contract of insurance. 1he specific details applicable are set out inthe policy contract.
oushould satisfy yourself that this planwould best serve your needs, and that investing inthis policy is aneasy and affordable way to your financial well-being.
Please refer to the summary information sheet (which is attached to the application form) for important information on the terms of issue, the nature and formof benefits provided together with indicative monthly premiumrates applicable,
and major benefit limitations imposed under this policy.
Please refer to the policy contract for further informationas the exclusions and limitations of benefits highlighted are not exhaustive.
1he Company has the right to revise the rates, benefits, terms and conditions. Policyholder will be informed inwriting of the revision3 months before renewal.
1he Company reserves the right to cancel the portfolio as a whole if it decides to discontinue underwriting the hospital and surgical class of insurance by giving 3 months writtennotice to the policyholder.
Afree look period of 15 days will be givenfromthe delivery date of the policy for youto reviewits suitability and should youchoose to returnthe policy withinthe period, the amount refunded shall followthe terms and conditions inthe contract.
Before purchasing any Medical and Realth|nsurance (MR|) product, youare advised to seek explanationonthe following fromthe Company, its intermediaries or '|nsurance |nfo-Medical &Realth|nsurance':
1he basic and salient features of MR| ingeneral, and
1he basic and salient features of MR| product that youintend to purchase.
Buying aninsurance is a long-termcommitment for youto pay for the premiums. |n the event the premiumpayments have beendefaulted during the policy term, the waiting period shall re-apply if youreinstate your policy.
1his brochure is for illustration purposes only and contains the Bahasa Malaysia translations of the Lnglish text used. |f there is any discrepancy between the Lnglish and Bahasa Malaysia translation, the Lnglish text and its interpretation shall
prevail.
kisolon ini oukon kontrok insurons. 8utiron lcngkop oJolon tcrcotot Ji Jolomkontrok Polisi.
/nJo norus jokin oonowo pclon ini Jopot mcmcnuni kcpcrluon onJo Jcngon scooiknjo, Jon mcloour JolomPolisi ini oJolon coro jong muJon Jon mcmonjootkon kcwongon onJo.
5ilo rujuk kcpoJo pcnjoto moklumot (jong tcrkonJung Ji Jolom oorong pcrmononon) untuk moklumot pcnting mcngcnoi sjorot-sjorot pcngcluoron, sijot Jon jcnis jocJon jong JiscJiokon Jcngon pctunjuk prcmium jong Jigunokon, Jon
pcmootoson jocJon jong Jitcntukon JolomPolisi ini.
5ilo rujuk kcpoJo kcpoJo kontrok Polisi untuk kctcrongon lonjuton mcmonJongkon pcngccuolion-pcngccuolion Jon noJ-noJ jocJon jong Jinjotokon oJolon tiJok mcnjclurun.
5jorikot ocrnok mcnguoon koJor-koJor, coj-coj, jocJon-jocJon, tcrmo-tcrmo Jon sjorot-sjorot. Pcmunjo Polisi okon Jiocritonu sccoro ocrtulis tcntong pcruoonon tcrscout sckurong-kurongnjo J oulon scoclumpcmoonoruon Polisi.
5jorikot ocrnok mcmootolkon kcsclurunon portjolio ini sckironjo sjorikot mcmouot kcputuson untuk tiJok logi mcngunJcroit kclos insurons nospitol &pcmocJonon Jcngon mcmocri J oulon notis ocrtulis.
!cmpon ocrtcnong pcrcumo sclomo 5 nori Jori torikn pcngnontoron Polisi okon Jiocrikon untuk onJo mcmpcrtimoongkon kcscsuoionnjo. 5ckironjo onJo mcmilin untuk mcmulongkon Polisi Jolomtcmpon tcrscout, jumlon jong Jioojor kcmooli
scnorusnjo ocrJosorkon tcrmo-tcrmo Jon sjorot-sjorot jong Jinjotokon Jolomkontrok Polisi.
5coclummcmocli scoorong proJuk insurons pcruooton Jon kcsinoton (Vl), onJo Jinosinotkon untuk mcnJopotkon pcnjcloson jong ocrikut JoripoJo sjorikot, pinok pcngontoronjo otou JoripoJo lnsuroncc lnjo-VcJicol &coltn lnsuroncc:
Ciri-ciri Josor Jon utomo scsuotu pclon Vl sccoro omnjo, Jon
Ciri-ciri Josor Jon utomo pclon Vl jong onJo ingin ocli.
Vcmocli insurons oJolon iltizomjongko ponjong untuk onJo mcmouot pcmoojoron prcmium. 5ckironjo gogol mcmouot pcmoojoron prcmiumJolomjongko Polisi, tcmpon mcnunggu okon Jikcnokon scmulo jiko onJo mcmoonorui scmulo Polisi
onJo.
kisolon ini oJolon untuk tujuon illustrosi sonojo Jon mcmpunjoi tcrjcmonon 8onoso Volojsio JoripoJo tcks 8onoso lnggcris. 5ckironjo tcrJopot pcroczoon Ji ontoro tojsiron tcks 8onoso lnggcris Jon 8onoso Volojsio, tcks Jon tojsiron 8onoso
lnggcris ncnJoklon Jipokoi.
Lxclusions j Pcngccuolion-pcngccuolion
Pre-Lxisting |llnesses unless declared by the Policy 0wnerjLife Assured and accepted by us in
writing, on or prior to your policy issue date. j Pcnjokit scJio oJo kccuoli Jiisjtinorkon olcn
Pcmunjo Polisif0rong 0iinsuronskon Jon Jitcrimo olcn komi sccoro ocrtulis, poJo otou scoclum
torikn pcngcluoron polisi onJo.
Specified |llnesses occurring during the first one hundred and twenty (12O) days of continuous
cover from the issue date or the date of last reinstatement or date of last increase of benefit,
whichever is later. f Pcnjokit !crtcntu jong ocrloku Jolom tcmpon scrotus Juo pulun (20) nori
oogi pcrlinJungon ocrtcruson Jori torikn pcngcluoron otou torikn tcroknir pcngcmoolion
scmulo otou torikn tcroknir jocJon Jinoikkon, jong mono tcrkcmuJion.
Rypertension, diabetes mellitus and cardiovascular diseases, j ipcrtcnsi,
Jiooctcs mclitus Jon pcnjokit korJiovoskulor,
All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and
biliary system, j 5cmuo tumor, konscr, sisto, noJul, polip, ootu Jolom sistcm
kcncing Jon sistcm oiliori,
All ear, nose (including sinuses) and throat conditions, j 5cmuo pcnjokit tclingo,
niJung (tcrmosuk sinus) Jon tckok,
Rernias, haemorrhoids, fistulae, hydrocele, varicocele, j crnio, ncmoroiJ, jistulo,
niJrosclc, vorikosclc,
Lndometriosis including disease of the reproduction system, j fnJomctriosis
tcrmosuk pcnjokit sistcm pcmoiokon,
vertebro-spinal disorders (including disc) and knee conditions. j Congguon spino
vcrtcoro (tcrmosuk Jisko) Jon pcnjokit lutut.
Any medical or physical conditions arising during the Waiting Period except for accidental
injuries. j /po-opo kcoJoon pcruooton otou jizikol jong ocrloku Jolom Woktu Vcnunggu
kccuoli untuk kcccJcroon okioot kcmolongon.
Private nursing, rest cures or sanitaria care, hospitalization primarily for investigatory purposes,
diagnosis, X-ray examination, general physical or medical examinations, not incidental to the
treatment or diagnosis of a covered 0isability or any treatment which is not Medically Necessary
and any preventive treatment, preventive medicines or examinations carried out by a Physician,
and treatments specifically for weight reduction or gain. j Pcnjogoon pcriooJi, rcnot pulin otou
jogoon kcocrsinon, pcngnospitolon tcrutomonjo untuk tujuon pcnjiosoton, Jiognosis,
pcmcriksoon sinor-x, pcmcriksoon jizikol otou pcruooton om, tiJok ocrkoiton Jcngon rowoton
otou Jiognosis ilong upojo jong JilinJungi otou opo-opo rowoton jong tiJok Pcrlu 0ori 5cgi
Pcruooton Jon opo-opo rowoton pcnccgonon, uoot otou pcmcriksoon pcnccgonon jong
Jijolonkon olcn Pokor Pcruooton, Jon rowoton knusus untuk mcngurongkon otou mcnoikkon
ocrot ooJon.
1he abuse of drugs or alcohol, intoxication, suicide or attempted suicide whether sane or insane,
self-inflicted injuries, criminal acts, voluntary exposure to danger (except in an attempt to save
human life) and sexually transmitted diseases, or treatment which in anyway arises from, is
attributable to, or is consequential upon Ruman |mmunodeficiency virus (R|v) infection, A|0S
(Acquired |mmunodeficiency Syndrome), A|0S kelated Complex (AkC) and any communicable
diseases requiring isolation or quarantine by law. j Pcnjolongunoon JoJon otou olkonol,
kcmooukon, ounun Jiri otou pcrcuooon ounun Jiri monokolo siumon otou tiJok siumon,
kcccJcroon Jiri scnJiri jong Jiscngojokon, pcrouoton jcnojon, pcnJcJonon kcpoJo oonojo
sccoro sukorclo (kccuoli Ji Jolom pcrcuooon mcnjclomotkon njowo monusio) Jon pcnjokit
scksuol jong ocrjongkit, otou rowoton jong opo-opo kcoJoon ocrpunco Jori, otou Jiscoookon
olcn, otou oJolon nosil Jori jongkiton virus kurong 0ojo !onon Pcnjokit (lv), /l05 (5inJrom
kurong 0ojo !onon Pcnjokit), komplcks 8crkoiton /l05 (/kC) Jon opo-opo pcnjokit ocrjongkit
jong mcmcrlukon pcngosingon otou kuorontin olcn unJong-unJong.
|nvestigation into and treatment for sleep or snoring disorders, psychiatric, psychotic, mental or
nervous disorders, including neuroses and their physiological or psychosomatic manifestations.
j Pcnjiosoton Jon rowoton gongguon tiJur Jon Jcngkur, psikiotri, psikotik, gongguon mcntol
otou soroj, tcrmosuk ncurosis Jon monijcstosi jisiologi otou psikosomotiknjo.

1reatment relating to birth defects, including hereditary conditions and congenital
abnormalities or defects. j kowoton ocrkoiton kccocoton kcloniron, tcrmosuk pcnjokit kcturunon
Jon kcgonjilon otou kccocoton kongcnitol.
Llective cosmetic or plastic surgery except re-constructive surgery necessary to restore function
after an accident that has occurred during the period of cover. j PcmocJonon plostik otou
kosmctik pilinon kccuoli pcmocJonon pcmoctulon jong Jipcrlukon untuk mcngcmoolikon jungsi
sclcpos kcmolongon jong ocrloku Jolom tcmpon pcrlinJungon.
0ental conditions including dental treatment or oral surgery except as necessitated by Accidental
|njuries to sound natural teeth occurring during the period of cover. j kcoJoon pcrgigion
tcrmosuk rowoton pcrgigion otou pcmocJonon orol kccuoli opooilo Jipcrlukon kcrono
kcccJcroon /kioot kcmolongon poJo gigi osli jong sinot jong ocrloku Jolom tcmpon
pcrlinJungon.
Lye examinations, glasses, contact lenses and surgical procedures for the correction of eye
refractive errors and the use or acquisition of external prosthetic appliances or corrective devices
such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof. j
Pcmcriksoon moto, ccrmin moto, konto lckop Jon proscJur pcmocJonon untuk pcmoctulon
kcsilopon pcmoioson pcnglinoton Jon pcnggunoon otou pcmcrolcnon pcrkokos otou olot
prostctik scpcrti onggoto tiruon, olot pcnJcngoron, pcrcntok jong Jiimplonkon Jon prcskripsinjo.
Any elective surgery, including but not limited to expenses incurred for the donation of any body
organ by the Life Assured and cost of acquisition of the organ itself including all costs incurred by
the donor during organ transplant and any complication thereof. j /po-opo pcmocJonon pilinon,
tcrmosuk tctopi tiJok tcrnoJ kcpoJo oclonjo jong Jitonggung untuk mcnJcrmo mono-mono
orgon tuoun ooJon olcn 0rong 0iinsuronskon Jon kos pcmcrolcnon orgon tcrmosuk scmuo kos
jong Jitonggung olcn pcnJcrmo kctiko pcminJonon orgon Jon opo-opo komplikosinjo.
Pregnancy, childbirth (including surgical delivery), miscarriage, abortion, prenatal or postnatal
care and any surgical, mechanical or chemical contraceptive methods of birth control or
treatment pertaining to infertility, sex change, sexual dysfunction including impotency,
circumcision and tests or treatment related to sterilization. j kcnomilon, mclonirkon onok
(tcrmosuk kcloniron sccoro pcmocJonon), kcguguron, mcnggugurkon konJungon, jogoon
pronotol otou postnotum Jon opo-opo pcmocJonon, kocJon kowolon kcloniron kontroscptij
mckonikol otou kimio otou rowoton ocrkoiton kctoksuouron, pcnukoron jontino, Jisjungsi scksuol
tcrmosuk monJul, knoton Jon ujion otou rowoton ocrkoiton pcnstcrilon.
Rormone replacement therapy and alternative therapy such as treatment, medical services or
supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology,
bonesetting, herbalist treatment, massage or aromatherapy. j !cropi pcnggontion normon Jon
tcropi oltcrnotij scpcrti rowoton, kniJmot otou ockolon pcruooton, tcrmosuk tctopi tiJok tcrnoJ
kcpoJo kniJmot kiroproktik, okupunktur, okutckonon, rcjlcksologi, pcmoctulon tulong, rowoton
pokor ncroo, urut otou oromotcroji.
Costsjexpenses of services of a non-medical nature such as television, telephones, telex services,
radios or similar facilities, admission kitjpack and other ineligible non- medical items. j
kosfoclonjo oogi kniJmot jong ocrsijot oukon pcruooton, scpcrti tclcvisjcn, tclcjon, kniJmot tclcks,
roJio otou kcmuJonon jong scrupo, kitfpck kcmosukon Jon oorong oukon pcruooton loin jong
tiJok lojok.
War or any act of war, declared or undeclared, direct participation in criminal or terrorist activities,
strikes, riots and civil commotion or insurrection, or active duty in any armed forces. j Pcrong otou
opo-opo tinJokon pcrong, Jiisjtinorkon otou tiJok Jiisjtinorkon, pcngliooton tcrus Ji Jolom oktiviti
jcnojon otou pcnggonos, mogok, rusunon Jon kckcconon owom otou pcmocrontokon, otou tugos
oktij Ji Jolom opo-opo ongkoton ocrscnjoto.
1reatment for any medical conditions arising directly or indirectly from radioactivity
contamination or any nuclear material whatsoever, including the combustion of nuclear fuel. j
kowoton oogi opo-opo kcoJoon pcruooton ocrpunco sccoro longsung otou tiJok longsung
JoripoJo pcnccmoron roJiooktiviti otou opo-opo oonon nuklcor, tcrmosuk pomookoron oonon
opi nuklcor.
Services or treatment which are paid for by any other party or which are claimable under Workman's
Compensation |nsurance or any other form of medical reimbursement insurance. j logoon otou
rowoton jong Jioojor olcn mono-mono pinok jong loin otou jong oolcn Jituntut Ji oowon lnsurons
Pomposon Pckcrjo otou opo-opo ocntuk insurons pcmoojoron scmulo pcruooton jong loin.
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1his Policy does not cover any Rospitalisation, Surgery or charges caused directly or indirectly, wholly or partly, by any one (1) of the following occurrences:
Polisi ini tiJok mclinJungi scoorong Pcngnospitolon, PcmocJonon otou oojoron jong Jiscoookon sccoro longsung otou tiJok longsung, scpcnunnjo otou scoonogionnjo, olcn mono-mono sotu () kcjoJion
ocrikut: