Pakej Insurans Hayat DON T WORRY PROTECTION EXTRA. Dapatkan perlindungan serendah RM34.40* sebulan
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1 Pakej Insurans Hayat DON T WORRY PROTECTION EXTRA Dapatkan perlindungan serendah 34.40* sebulan * Termasuk Cukai Barangan dan Perkhidmatan (CBP), jika berkenaan Perlindungan Kehidupan Hilang Upaya Kanser, Serangan Jantung dan Strok Simpanan Tidak memerlukan pemeriksaan perubatan Polisi dikeluarkan serta-merta 0 atau 5 tahun premium kekal dan terjamin Merungkai Kerisauan Hidup
2 KAMI PERCAYA RAHSIA UNTUK KEHIDUPAN YANG LEBIH BAIK ADALAH KEBEBASAN DARIPADA TEKANAN, KEBIMBANGAN DAN KETEGANGAN. KAMI PASTIKAN ANDA TIDAK PERLU RISAU LAGI UBAH KEBIMBANGAN ANDA DENGAN MANFAAT-MANFAAT INI Cara Penyelesaian Yang Mudah Perlindungan Kehidupan Kami menawarkan pakej insurans hayat Don t Worry Protection Extra kepada anda ianya pakej yang praktikal, mudah dan mampu dimiliki yang akan memenuhi segala keperluan anda untuk kehidupan yang lebih bahagia. Jaminan Untuk Masa Depan Anda Pastikan keselamatan kewangan keluarga anda dengan pelan simpanan mampu milik kami. Mula dari awal dan jadikan ianya satu amalan yang bermanfaat. Secara ringkasnya, kehidupan kini lebih mudah, bahagia dan sempurna. Perlindungan Untuk Kanser, Serangan Jantung dan Strok Kami melindungi ketiga-tiga penyakit utama di Malaysia iaitu kanser, serangan jantung dan strok. Beri kepercayaan kepada kami untuk menjamin kehidupan keluarga anda. Anda akan dibayar sejumlah wang jika sesuatu yang tidak diingini berlaku. Hilang Upaya Kami mengurangkan beban kewangan keluarga anda dengan membayar sejumlah wang jika hilang upaya menyeluruh berlaku sebelum umur 65 tahun. Kanser, Serangan Jantung dan Strok Anda akan dibayar sejumlah wang jika disahkan menghidapi salah satu daripada 3 penyakit (Kanser, Serangan Jantung dan Strok). Manfaat Simpanan Kami membantu meringankan beban perbelanjaan hidup di masa depan melalui tabiat menabung yang berdisiplin. Manfaat simpanan berbeza dari jumlah minimum 5,000 hingga ke maksimum 200,000 dan akan dibayar pada akhir tempoh polisi.
3 MAKLUMAT TAMBAHAN Manfaat Yang Dibayar Pelepasan Cukai Pendapatan Pilih salah satu daripada jumlah perlindungan ini untuk memenuhi keperluan kewangan anda. Premium yang telah dibayar mungkin layak untuk pelepasan cukai tertakluk kepada kelayakan dan kelulusan daripada Lembaga Hasil Dalam Negeri. 50,000; 75,000; 00,000; 50,000; 200,000 Kelayakan Pakej insurans hayat Don t Worry Protection Extra disediakan kepada sesiapa yang berumur enam bulan hingga ke 55 tahun. Pengecualian Manfaat tidak akan dibayar dalam keadaan berikut: Kematian semasa tahun pertama polisi akibat daripada bunuh diri. Hilang upaya menyeluruh akibat daripada kecederaan diri sendiri yang disengajakan. Kanser, serangan jantung dan strok ketika tempoh tunggu atau kematian ketika tempoh tinggal. Nota-nota Penting Kaedah Pembayaran Anda boleh membuat pembayaran secara tunai atau kad kredit. Anda juga mempunyai pilihan untuk membuat bayaran premium secara tahunan, setiap setengah tahun, suku tahunan atau bulanan. Komisen Premium-premium perlu dibayar sehingga akhir tempoh bayaran premium, atau hingga kematian atau hilang upaya, yang mana berlaku dahulu. Kadar premium adalah dijamin mengikut umur kemasukan dan akan kekal sepanjang tempoh pembayaran premium. Walau bagaimanapun, CBP yang perlu dibayar adalah tertakluk kepada kadar semasa dan akan berubah dari semasa ke semasa. Anda akan diberi Tempoh Membuat Keputusan selama 5 hari untuk mengkaji kesesuaian pelan insurans yang dibeli selepas kontrak polisi dihantar. Jika anda memulangkan kontrak polisi kepada Syarikat semasa tempoh ini, kesemua premium dibayar akan dipulangkan semula kepada anda dan kontrak polisi ini akan dibatalkan. Jika anda menukar polisi anda dari satu syarikat ke satu syarikat lain atau polisi kepada polisi yang lain melalui satu syarikat yang sama, anda dikehendaki mengemukakan permohonan di mana penerimaan cadangan anda akan tertakluk kepada terma-terma dan syarat-syarat yang dikenakan semasa pertukaran atau penggantian polisi. Sila pastikan pelan ini akan memenuhi segala keperluan anda dan premium di bawah polisi ini adalah satu jumlah yang mampu ditanggung oleh anda. Jika anda menyerahkan polisi anda sebelum tempoh akhir polisi, anda mungkin akan mendapat kurang daripada jumlah yang telah anda bayar, dengan syarat ada nilai tunai terkumpul di dalam polisi anda. Perlindungan akan ditamatkan jika anda berhenti membuat bayaran premium sebelum tempoh akhir. Risalah ini adalah untuk maklumat am dan senarai pengecualian serta terma dan syarat adalah tidak menyeluruh. Ia bukan kontrak insurans. Sila rujuk kepada Helaian Maklumat Produk dan polisi dokumen untuk keterangan terperinci sebelum membeli pelan ini. Sila ambil perhatian bahawa komisen akan ditanggung oleh anda dan dibayar daripada premium berdasarkan tahun polisi. Ilustrasi di bawah mengandaikan kehidupan seorang lelaki yang diinsuranskan, tidak merokok, berumur 25 tahun pada tarikh lahir terdekat, dengan terma insurans 5 tahun dengan jumlah manfaat Perlindungan Kehidupan, Hilang Upaya, Kanser, Serangan Jantung dan Strok sebanyak 50,00 dan manfaat simpanan sebanyak 0,00 serta jumlah premium tahunan sebanyak (termasuk CBP). Komisen untuk Insurans Bertempoh dan Manfaat Kanser, Serangan Jantung & Strok Jumlah Insurans Bertempoh () Jumlah Premium (tidak termasuk CBP) Ditolak Komisen (%) Jumlah Manfaat Kanser, Serangan Jantung & Strok () & ke atas 0.0 Tahun Polisi Komisen untuk Manfaat Simpanan Tahun Polisi Jumlah Premium (tidak termasuk CBP) Ditolak Komisen (%) Jumlah Manfaat Simpanan () & ke atas Komisen seperti yang diilustrasikan di atas akan tertakluk CBP pada kadar semasa jika pengantara anda berdaftar di bawah CBP. Bonus Pengekalan (0% daripada premium tahun kedua dan ketiga masing-masing) akan dibayar kepada BSN dan ditanggung oleh anda dan akan ditolak daripada premium yang dibayar. Pelan ini diedarkan oleh Bank Simpanan Nasional. Berbincanglah dengan Pakar Insurans kami untuk keterangan lebih lanjut. Ditaja jamin oleh Gibraltar BSN Life Berhad [27774-A] Ibu Pejabat: Bangunan Gibraltar BSN 6, Jalan Tun Tan Siew Sin Kuala Lumpur Tel: Fax: Gibraltar BSN Life Berhad dilesenkan di bawah Akta Perkhidmatan Kewangan 203 dan dikawal selia oleh Bank Negara Malaysia.
4 WE BELIEVE THAT THE SECRET TO A GOOD LIFE IS BEING FREE FROM STRESS, WORRY AND TENSION. DON T WORRY PROTECTION EXTRA Life Insurance Package Get covered from as little as 34.40*/month * Inclusive of Goods and Services Tax (GST), if applicable Life Protection Disability Cancer, Heart Attack and Stroke Savings No medical check-up needed On-the-spot policy issuance 0 or 5 years guaranteed and fixed premium Solving Life s Worries Quite simply, making life easier makes people happier and their lives better.
5 Benefit Payout Have the flexibility to choose any benefit payout that would meet your financial goal. WE GIVE YOU REASONS NOT TO WORRY TURN YOUR WORRIES INTO SECURITY WITH THESE BENEFITS ADDITIONAL INFOATION 50,000; 75,000; 00,000; 50,000; 200,000 Eligibility Don t Worry Protection Extra life insurance package is available to anyone from aged 6 months to 55 years. Payment Method The Simple Solution Life Protection We offer you Don t Worry Protection Extra life insurance package practical, easy and affordable insurance package that will suit your every need for a stress-free life. Trust us to take care of your family. In the event that the unexpected happens, a lump sum will be paid. Assure Your Future We reduce the financial burden of your loved ones by paying a lump sum if total disability happens before age of 65. Secure your family financials with affordable savings plan. Start early and make it a rewarding habit. Protection For Cancer, Heart Attack and Stroke We cover Malaysia s top 3 diseases cancer, heart attack and stroke. Disability Cancer, Heart Attack and Stroke Should you be diagnosed with one of the 3 illnesses (Cancer, Heart Attack and Stroke), a lump sum will be paid. Savings Benefit We help lighten the burden of future life expenses with a disciplined savings habit. Savings benefit can vary from a minimum amount of 5,000 up to a maximum of 200,000 and is paid at the end of the policy term. You may pay by cash or credit card. You also have the option to pay your premium annually, semi-annually, quarterly or monthly. Commissions Note that commissions are borne by you and paid from the premium depending on policy year. The illustration below assumes that an insured male, a non smoker, aged 25 on his nearest birthday with a 5 year term policy and Death, Total Disability, Cancer, Heart Attack and Stroke benefit payout of 50,00 together with a 0,00 savings benefit and an annual premium of (Inclusive of GST). Commission for Term Assurance and Cancer, Heart Attack and Stroke Benefits Policy Year Proportion of Premium (not inclusive of GST) Deducted for Commission (%) 22.5 Term Assurance Amount () Cancer, Heart Attack and Stroke Benefits Amount () & above Commission for Savings Benefit Policy Year Savings Benefit Amount () Proportion of Premium (not inclusive of GST) Deducted for Commission (%) & above The commission illustrated above may further subject to GST at the prevailing rate if your intermediary is GST registered. Persistency Bonus (0% of the 2nd and 3rd year premiums respectively) are payable to BSN and carried by you and deducted from the premiums paid.
6 Income Tax Relief Premiums paid may qualify for tax relief subject to eligibility and the Inland Revenue Board s approval. Exclusions No benefit will be payable under the following circumstances: Death during the first policy year resulting from suicide. Total disability resulting from self-inflicted injuries. Cancer, heart attack and stroke diagnosed during waiting period or death during the survival period. Important Notes Premiums are payable until the end of the premium payment term, or until death or disability, whichever occurs first. Premium rates are guaranteed at entry age and will remain the same throughout the premium payment term. However, the GST payable is subject to the prevailing rate and may vary from time to time. You are given a Free-Look Period of 5 days to review the sustainability of your newly purchased insurance plan after delivery of the policy contract. If you return the policy contract to the Company during this period, all premiums paid will be refunded to you and the policy contract shall be voided. If you switch over your policy from one company to another or if you exchange your current policy with another policy within the same company, you may be required to submit an application where acceptance of your proposal will be subject to the terms and conditions and be imposed at the time of policy switching or replacement. Kindly ensure that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford. If you surrender your policy prior to the end of the policy term, you may get back less than the amount you have paid, provided there is cash value accumulated in your policy. If you stop paying the premium before the end of the premium payment term there may be an early termination of the coverage. This brochure is for general information only and the list of exclusions and other terms and conditions are not exhaustive. It is not a contract of insurance. Please refer to the Product Disclosure Sheet (PDS) and sample policy documents for details before purchasing the plan. This plan is distributed by Bank Simpanan Nasional. Please consult our Insurance Specialist for more information. Underwritten by Gibraltar BSN Life Berhad [27774-A] Head Office: Bangunan Gibraltar BSN 6, Jalan Tun Tan Siew Sin Kuala Lumpur Tel: Fax: Gibraltar BSN Life Berhad is licensed under the Financial Services Act 203 and regulated by Bank Negara Malaysia.
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