Lifestyle Protection

Protects you and your Benefits at a glance

active lifestyle
The essential coverage for the lifestyle you care about • Accidental Death
To attain an active lifestyle is not as easy as one may think • Permanent Disablement
with the exposure of unexpected events around. Do not let • Medical Expenses
uncertainties stop you from your goals - that’s why we need • Double Indemnity for Accidental Death on Public Conveyance
or at a Public Sports Event
to have a suitable insurance plan not only to protect us, but
• Triple Indemnity for Total Permanent Disablement on Public
to protect our lifestyles too. Conveyance or at a Public Sports Event
• Accidental Death or Permanent Disablement due to Terrorism
GreatShield Active is a personal accident plan designed to • Renewal Bonus
help keep you on track towards your active lifestyle with • Death Due to Mosquito Bite
peace of mind while providing the essential coverage you • ATM Withdrawal Protection
need every day. It offers a wide range of protection and • Ambulance Fees
benefits including Double Indemnity for Accidental Death • Hospital Income
• Post Hospitalisation Supplement Allowance
and Triple Indemnity for Total Permanent Disablement on
• Inconvenience Allowance
Public Conveyance or at a Public Sports Event, so you can • Loss of Personal Effects
achieve the lifestyle you want with more certainty. • Prostheses or Wheelchair
• Bereavement Allowance
• Personal Liability
• Weekly Benefit (Optional Benefit)
• Motorcycling Extension (Optional Benefit)
Note: Terms and conditions apply.

Accidental Death
In the event of Accidental Death, We will pay the Capital Sum Insured
(inclusive of Renewal Bonus, if any) in accordance with the Insured
Person’s age at the time of the Accident.
Note: Terms and conditions apply.

Permanent Disablement
In the event of Permanent Disablement as a result of Accident,
We will pay the Capital Sum Insured (inclusive of Renewal Bonus,
if any) in accordance with the Insured Person’s age at the time of
the Accident and percentage as specified in the Table of Benefits
Payable in Percentage.
Note: Terms and conditions apply.
Medical Expenses
In the event of injury caused by an Accident which requires
medical treatment, We will reimburse up to RM5,000 for the actual,
necessary and reasonable cost of the Insured Person’s medical,
hospital and surgical treatment (including subsequent expenses for
sinseh or traditional treatment but limited to RM100 per visit and a
maximum of RM1,000 per Accident).
This benefit also includes Dengue Fever, Malaria, Zika Virus,
Japanese Encephalitis, Yellow Fever, Scarlet Fever or Coxsackie.
Note: Terms and conditions apply.
Double Indemnity for Accidental Death on Public
Conveyance or at Public Sports Event
We will pay double the prevailing Capital Sum Insured (excluding
Renewal Bonus) upon Accidental Death whilst or arising from
the Insured Person travelling on Public Conveyance or actively
participating in a Public Sports Event.
This benefit does not apply if the Accidental Death is due to
Terrorism.
Note: Terms and conditions apply.
Triple Indemnity for Total Permanent Disablement on
Public Conveyance or at Public Sports Event
We will pay triple the prevailing Capital Sum Insured (excluding
Renewal Bonus) upon Total Permanent Disablement whilst or
arising from the Insured Person travelling on Public Conveyance or
actively participating in a Public Sports Event.
This benefit does not apply if the Total Permanent Disablement is
due to Terrorism.
Note: Terms and conditions apply.
Accidental Death or Permanent Disablement due to
Terrorism
This plan is extended to cover Accidental Death or Permanent
Disablement arising from Terrorism which is confirmed by the
relevant government as an act of terrorism but shall not include
any act of Nuclear, chemical or biological terrorism regardless of
any other cause or event contributing concurrently or in any other
sequence to the Accidental Death or Permanent Disablement.
This extension is only valid and We will pay the prevailing Capital
Sum Insured (excluding Renewal Bonus) if the Insured Person did
not take part in the act of Terrorism or make an agreement with
other people to carry out the said act.
Note: Terms and conditions apply.
Renewal Bonus
You will be entitled to a Renewal Bonus in the form of an increase of
5% of the Capital Sum Insured per year up to 100% or age seventy
(70) years (whichever is earlier) provided, among others, there is no
claim under the Permanent Disablement and/or Medical Expenses
benefits during each preceding year of insurance.
Note: Terms and conditions apply.
Death Due to Mosquito Bite
In the event of Death resulting from Dengue Fever, Malaria or Zika
Virus caused by mosquito bite, We will pay the amount stated in the
Schedule of Benefits according to the selected plan.
Note: Terms and conditions apply.
ATM Withdrawal Protection
In the event of snatch theft or robbery within twenty-four (24) hours
of the Insured Person’s withdrawal from any ATM (Automated Teller
Machine), We will pay up to the withdrawal amount or RM1,000,
whichever is lower.
Note: Terms and conditions apply.
Ambulance Fees
We will reimburse the actual expenses incurred for ambulance
services up to RM500 per Accident.
Note: Terms and conditions apply.
Hospital Income
A daily cash allowance of RM100 will be payable for the period of
hospitalisation up to a maximum of thirty (30) days per Accident.
Note: Terms and conditions apply.
Post Hospitalisation Supplement Allowance
We will reimburse up to RM500 per Accident for the purchase of
vitamins and supplements within thirty (30) days of the Insured
Person’s post-hospitalisation due to an Accident.
Note: Terms and conditions apply.
Inconvenience Allowance
In the event of hospitalisation for more than twenty-four (24) hours
due to an Accident, We will pay a lump sum of RM500 per Accident
as an inconvenience allowance.
Note: Terms and conditions apply.
Loss of Personal Effects
In the event of snatch theft or robbery, We will compensate up to
RM1,000 per Accident for the Insured Person’s loss of or damage
to the Personal Effects.
Note: Terms and conditions apply.
Prostheses or Wheelchair
In the event the Insured Person suffers from Permanent Disablement
due to an Accident, We will reimburse up to RM1,000 per Accident
for the purchase of wheelchair, artificial arms or legs, and crutches
as recommended by a Medical Practitioner.
Note: Terms and conditions apply.
Bereavement Allowance
We will pay a lump sum of RM5,000 in the event of Accidental
Death or Death resulting from Dengue Fever, Malaria, Zika Virus,
Japanese Encephalitis, Yellow Fever, Scarlet Fever or Coxsackie.
Note: Terms and conditions apply.
Personal Liability
We will pay all sums of which the Insured Person is legally liable
to third parties in respect of Accidental bodily injury or death of
any person and/or loss of or damage to property belonging to any
person.
We will only pay compensation in respect of judgments delivered
by or obtained from a court of competent jurisdiction in Malaysia
and/or costs and expenses of litigation recovered from the Insured
Person which are incurred in and recoverable in Malaysia.
Note: Terms and conditions apply.
Weekly Benefits (Optional Benefit)
We will pay the amount stated in the Schedule of Benefits in the
event the Insured Person is temporarily unable to engage in or
attend to his/her profession or occupation due to injury caused by
an Accident.
Note: Terms and conditions apply.
Motorcycling Extension (Optional Benefit)
This plan is extended to cover Accidents due to motorcycling
(whether as a rider or a pillion rider).
Note: Terms and conditions apply.
Schedule of Benefits

Capital Sum Insured / Amount Payable (RM)

No. Benefit
Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7

1 Accidental Death 80,000 180,000 280,000 380,000 680,000 880,000 1,380,000

2 Permanent Disablement 80,000 180,000 280,000 380,000 680,000 880,000 1,380,000
3 Medical Expenses Up to 5,000
4 Double Indemnity for Accidental Death on Double the payout as per the prevailing Capital Sum Insured
Public Conveyance or at Public Sports Event
(except for any act of Terrorism where the payout will be the Capital Sum
Insured only)
5 Triple Indemnity for Total Permanent Triple the payout as per the prevailing Capital Sum Insured
Disablement on Public Conveyance or at
Public Sports Event (except for any act of Terrorism where the payout will be the Capital Sum
Insured only)
6 Accidental Death or Permanent
Disablement due to Terrorism
80,000 180,000 280,000 380,000 680,000 880,000 1,380,000
(excludes Nuclear, chemical or
biological terrorism)
7 Renewal Bonus Increase of 5% per year up to 100% of Capital Sum Insured
8 Death Due to Mosquito Bite 40,000 90,000 140,000 190,000 340,000 440,000 690,000
ATM Withdrawal Protection
9 Up to 1,000
(maximum 4 incidents per policy year)
10 Ambulance Fees
Up to 500
(per Accident)
11 Hospital Income
(per day / maximum up to 30 days per 100
Accident)
12 Post Hospitalisation Supplement
Allowance Up to 500
(per Accident)
13 Inconvenience Allowance
500
(per Accident)
14 Loss of Personal Effects
(due to snatch theft/robbery Up to 1,000
per Accident)
15 Prostheses or Wheelchair
Up to 1,000
(per Accident)
16 Bereavement Allowance 5,000
17 Personal Liability
Limit of liability up to 1,000,000
(per claim)
 No. Optional Benefit Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7
1 Weekly Benefit
(per week / maximum up to 100 100 200 200 300 300 500
52 weeks per Accident)
2 Motorcycling Extension 80,000 180,000 280,000 380,000 680,000 880,000 1,380,000

Note:
1. For Benefits 1, 2, 4, 5, 6 and Optional Benefit 2, the payout for an 3. The maximum Capital Sum Insured allowable for entry age
Insured Person aged between 71 years old to 100 years old will between 30 days to 15 years old is RM280,000.
be 50% of the Capital Sum Insured (inclusive of Renewal Bonus, if 4. The maximum Capital Sum Insured allowable for entry age
any) payable according to the selected plan. For the avoidance of between 61 years old to 70 years old is RM380,000.
doubt, Renewal Bonus is not applicable for Benefits 4, 5 and 6. 5. The maximum Capital Sum Insured allowable for class 3
2. For Benefit 2, please refer to the Table of Benefits Payable in occupation is RM280,000.
Percentage in the Policy Contract to determine the Capital Sum
Insured payable.
Premium Table
Annual Premium without Weekly Benefit
Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7
Occupation
(RM80,000) (RM180,000) (RM280,000) (RM380,000) (RM680,000) (RM880,000) (RM1,380,000)
Class 1 & 2 RM168 RM268 RM388 RM508 RM808 RM968 RM1,488
Class 3 RM308 RM528 RM768 N/A N/A N/A N/A

Note: The premium above is inclusive of the Government Tax and

RM10 Stamp Duty.

Optional Benefit 1: Annual Premium with Weekly Benefit

Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7

Occupation
(RM80,000) (RM180,000) (RM280,000) (RM380,000) (RM680,000) (RM880,000) (RM1,380,000)
Class 1 & 2 RM208 RM308 RM468 RM588 RM928 RM1,088 RM1,688
Class 3 RM388 RM608 RM928 N/A N/A N/A N/A

Note: The premium above is inclusive of the Government Tax and

RM10 Stamp Duty.

Optional Benefit 2: Motorcycling Extension

Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7

Occupation
(RM80,000) (RM180,000) (RM280,000) (RM380,000) (RM680,000) (RM880,000) (RM1,380,000)
Class 1 & 2 RM24 RM40 RM58 RM75 RM120 RM145 RM225
Class 3 RM45 RM80 RM115 N/A N/A N/A N/A

Note: The premium above is inclusive of the Government Tax.

General Exclusions Occupation Classification

1. War, radiation or contamination by radioactivity, or nuclear Class 1 & 2

weapons material.
2. Suicide or insanity.
3. HIV and/or HIV related illness including AIDS.
4. Childbirth, pregnancy, miscarriage or any complications thereof.
5. Pre-existing physical or medical conditions, physical or mental
defects or infirmity.
6. Self-inflicted injury and provoked murder or assault.
7. Engaging in dangerous activities.
8. Criminal or illegal activities.
9. Nuclear, chemical or biological terrorism.
10. Motorcycling, if Benefit 19 (Motorcycling Extension) is not
included in your policy.
Note: This list is non-exhaustive. Please refer to the Policy Contract
for the full list of exclusions.
Persons whose occupation is generally sedentary in nature, that
is, persons engaged in professional, managerial, administrative,
clerical positions or persons engaged in wholesale or retail trade,
sales, marketing or work of a supervisory nature and whose duties
involve travelling in connection with his or her profession or business
purposes but not involving manual labour or the use of tools and
machinery or exposure to any special hazard.
Class 3
Persons either occasionally or generally engaged in manual work not
of a particularly hazardous nature but involving the use of tools and
machinery.

Excluded Occupations
• Air Crew
• Professional Sportsperson
• Professional Diver
• Jockey
• Professional Entertainer
• Social Escort
• Explosive Handler/Maker
• Military & Law Enforcement Officer
• Fire Fighter
• Sailor
• Acrobat
• Bodyguard
• Debt Collector
• Demolition Worker
• Quarry Worker
• Steeplejack
• Sawyer
• Security Guard
• Woodworking Machinist
• Heavy Commercial Vehicle Driver
• Oil Rig Worker
• Underground/Mining Worker
• Timber Logger/Worker
• Plantation/Estate Worker (other than owner)
• Construction Worker

Note: This list is non-exhaustive. Please refer to the Policy Contract

for the full list of exclusions.
Important Notice

The Insured Person must be aged not less than thirty (30) days up
to the age of seventy (70) years. Renewal is available up to hundred
(100) years old, subject to GEGM’s satisfaction of the Insured
Person’s state of health.

This material is for general information only. It is not a contract of

insurance. You are advised to refer to the Product Disclosure Sheet
for detailed important features and benefits of the plan before
purchasing the plan. For further information, reference shall be made
to the terms and conditions specified in the Policy Contract issued
by GEGM.

Kindly contact any GEGM branch, agent or GEGM Customer Service

Careline at 1300–1300 88 for more details.

The terms “We” and “GEGM” shall refer to Great Eastern General
Insurance (Malaysia) Berhad.

In the event of any ambiguity, discrepancy or omission between the

English text and other translated text, the English text shall prevail.
BRANCH OFFICES / PEJABAT CAWANGAN / 分行地址
Kuala Lumpur
Level 18, Menara Great Eastern,
303 Jalan Ampang,
50450 Kuala Lumpur
Tel: +603 4259 8888
Fax: +603 4813 0088
Alor Setar
69 & 70, 1st Floor,
Jalan Teluk Wanjah,
05200 Alor Setar, Kedah
Tel: +604 734 6515
Fax: +604 734 6516
Kuantan
1st Floor, No. A25,
Jalan Dato’ Lim Hoe Lek,
25200 Kuantan, Pahang
Tel: +609 516 2849
Fax: +609 516 2848
Kota Bharu
No. S25/5252-S, Tingkat 1,
Jalan Sultan Yahya Petra,
15200 Kota Bharu, Kelantan
Tel: +609 748 2698
Fax: +609 744 8533
Sibu
2nd Floor, No. 10 A-F,
Wisma Great Eastern,
Persiaran Brooke,
96000 Sibu, Sarawak
Tel: +6084 328 392
Fax: +6084 326 392
Penang
Suite 2-3, Level 2,
No. 25, Lebuh Light,
10200 Pulau Pinang
Tel: +604 261 9361
Fax: +604 261 9058
Klang
3rd Floor, No. 10,
Jalan Tiara 2A,
Bandar Baru Klang,
41150 Klang, Selangor
Tel: +603 3345 1027
Fax: +603 3345 1029
SERVICING OFFICES / PEJABAT PERKHIDMATAN / 服务办公室
Seremban Sandakan Batu Pahat
103-2, Jalan Yam Tuan, 1st Floor, Lot 5 & 6, Block 40, 4th Floor, 109, Jalan Rahmat,
70000 Seremban, Negeri Sembilan Lorong Indah 15, 83000 Batu Pahat, Johor
Tel: +606 764 9082 Bandar Indah, Phase 7, Tel: +607 432 2357
Fax: +606 761 6178 Mile 4, North Road, Fax: +607 432 2359
90000 Sandakan, Sabah
Kuching Tel: +6089 228 769 Mentakab
No. 51, Level 3, Fax: +6089 228 372 No. 60, 1st Floor, Jalan Okid,
Wisma Great Eastern, 28400 Mentakab, Pahang
Lot 435, Section 54 KTLD, Tawau Tel: +609 270 9358
Travilion Commercial Centre, 3rd Floor, Wisma Great Eastern, Fax: +609 270 9359
Jalan Padungan, Jalan Billian,
93100 Kuching, Sarawak 91008 Tawau, Sabah
Tel: +6082 420 197 Tel: +6089 755 882
Fax: +6082 248 072 Fax: +6089 767 013
Ipoh Miri
2nd Floor, Wisma Great Eastern, 3rd Floor, Lots 1260 & 1261,
No. 16 Persiaran Tugu, Block 10 M.C.L.D. Jalan Melayu,
Greentown Avenue, 98000 Miri, Sarawak
30450 Ipoh, Perak Tel: +6085 421 299
Tel: +605 253 6649 Fax: +6085 433 276
Fax: +605 255 3066
Melaka
2-23, Jalan PM15,
Plaza Mahkota,
75000 Melaka
Tel: +606 284 3297
Fax: +606 283 5478
Johor Bahru
Wisma Great Eastern, 03-01, Blok A,
Komersil Southkey Mozek, Persiaran
Southkey 1, Kota Southkey, 80150
Johor Bahru, Johor
Tel: +607 336 9899
Fax: +607 336 9869
Kota Kinabalu
Suite 6.3, Level 6,
Wisma Great Eastern,
No. 65, Jalan Gaya,
88000 Kota Kinabalu, Sabah
Tel: +6088 235 636
Fax: +6088 248 879
31st August 2018
Lifestyle Protection