Important Notice: Life Planners with Life license only: Do Section A and Section B

Transcription

1 Important Notice: Life Planners with Life license only: Do Section A and Section B Note: A Plus Hajj is a Takaful plan requiring a Takaful license to sell. For purposes of the TCF E Assessment Questions, we request that life planners with only Life license to also read the A Plus Hajj slides in Section B for knowledge purposes and to successfully attempt the assessment questions. * Life Planners with Life and Takaful licences: Do Section A and Section B

2 Section A

3 (Section A) What are Specific Market Plans? These are unit deducting riders which are plans targeted at specific market needs. These plans are attachable to an Investment Linked Insurance plan. A Plus GenNext A Plus GenNext is a unit deducting rider attachable to a regular premium Investment Linked Insurance plan. This plan offers protection and allowance for young adults to overcome life s uncertainties in pursuit of their dreams. FEATURES Provides a monthly Cash Allowance when an accident or illness prevents you from performing your usual work for at least 30 consecutive days. Provides a lump sum benefit so you can focus on recovery when you are struck with a critical illness or accidental disablement. Provides a monthly Cash Allowance to help you through the challenging period when struck with early stage cancer or early stage heart related illnesses. Indication of Cost of Insurance (per RM 1,000 rider sum assured) for a male of standard health: Occupation Class/Age 25 years old 30 years old 35 years old Occupational Class 1 RM 4.38 RM 4.63 RM 5.45 s Health Challenge : If you are unable to work for at least 30 consecutive days due to an accident or illness, as confirmed by a doctor. Life Changing Challenge : If you are being diagnosed with any of the listed Early Stage Cancer or Early Stage Heart Related Illnesses. Extra Protection : If you are being diagnosed with any one of the 35 Critical Illnesses or suffer one of the listed Accidental Disablement. Amount of (% of Rider Sum Assured) 2% monthly allowance. Payable up to a maximum of 6 months per claim. Claim does not reduce sum assured. 2% monthly allowance. Payable for 6 months. Claim does not reduce sum assured. 100% lump sum. Payable once per life. Rider to terminate once a claim is made. All other allowances will cease. Conditions 60 days waiting period on illness. Illness must require hospitalization or inpatient surgery Only one claim payable if two events overlap. The event with the longer period of inability to work will be payable. Subsequent claims resulting from the same accident or illness will not be payable. 60 days waiting period. Insured to survive at least 30 days from diagnosis Only one event is claimable from each category. More than 1 claim can be made from different categories, subject to a maximum of 4 claims. 60 days waiting period for Cancer of specified severity and does not cover very early cancers, Heart Attack of specified severity, Coronary By Pass Surgery and Serious Coronary Artery Disease. 30 days for other diseases. Insured to survive at least 30 days from diagnosis.

4 A Plus GenNext List of Early Stage Cancer or Early Stage Heart Related Illnesses (in Life Changing Challenge ) Category Events 1. Cancer 2. Heart Attack 3. Serious Coronary Artery Disease 4. Coronary Artery By Pass Surgery 5. Heart Valve Surgery 6. Cardiomyopathy 7. Aorta 8. Primary Pulmonary Arterial Hypertension Carcinoma in situ; or Early Prostate Cancer; or Early Thyroid Cancer; or Early Bladder Cancer; or Early Chronic Lymphocytic Leukemia; or Carcinoma in situ and other Early Cancers of Specified Organs Treated with Radical Surgery Cardiac Pacemaker or Defibrillator Insertion Early Coronary Artery Disease or Other Coronary Artery Disease Pericardectomy; or Minimally Invasive Direct Coronary Artery Bypass Grafting (MIDCAB) Percutaneous Valvuloplasty; or Percutaneous Valve Replacement Hypertrophic Cardiomyopathy; or Constrictive Pericarditis with Surgery Large Asymptomatic Aortic Aneurysm; or Minimally Invasive Surgery to Aorta Early Primary Pulmonary Arterial Hypertension 1. Stroke resulting in permanent neurological deficit with persisting clinical symptoms List of Critical Illnesses (in Extra Protection ) 13. Chronic Aplastic Anemia resulting in permanent Bone Marrow Failure 25. Parkinson s Disease resulting in permanent inability to perform Activities of Daily Living 2. Cancer of specified severity and does not cover very early cancers 14. Major Organ / Bone Marrow Transplant 26. Terminal Illness 3. Heart Attack of specified severity 15. Blindness Permanent and Irreversible 27. Encephalitis resulting in permanent inability to perform Activities of Daily Living 4. Coronary Artery By Pass Surgery 16. Deafness Permanent and Irreversible 28. Benign Brain Tumor of specified severity 5. Serious Coronary Artery Disease 17. Loss of Speech 29. Major Head Trauma resulting in permanent inability to perform Activities of Daily Living 6. Heart Valve Surgery 18. Coma resulting in permanent neurological deficit with persisting clinical symptoms 30. Bacterial Meningitis resulting in permanent inability to perform Activities of Daily Living 7. Fulminant Viral Hepatitis 19. Third Degree Burns of specified severity 31. Brain Surgery 8. End Stage Liver Failure 20. Multiple Sclerosis 32. Medullary Cystic Disease 9. Primary Pulmonary Arterial Hypertension of specified severity 21. Paralysis of limbs 33. Loss of Independent Existence 10. End Stage Lung Disease 22. Muscular Dystrophy 34. HIV Infection due to Blood Transfusion 11. Kidney Failure requiring dialysis or kidney transplant 23. Alzheimer s Disease / Severe Dementia 35. Cardiomyopathy of specified severity 12. Surgery to Aorta 24. Motor Neuron Disease permanent neurological deficit with persisting clinical symptoms

5 1. Permanent total loss of sight of one or both eyes 2. Loss of or the permanent total loss of use of one or two limbs 3. Permanent total loss of speech and hearing 4. Permanent and incurable insanity 5. Total Paralysis Specific Market Plans A Plus GenNext List of Accidental Disablement (in Extra Protection ) Note: The claim eligibility for these benefits must meet the definition as indicated in your policy contract and AIA s approval is subject to the terms and conditions UNDERWRITING AND SERVICING RULES Entry Age (last birthday) years old Coverage Term Until age 50 Rider Sum Assured Minimum RM 20,000 Maximum RM 100,000 Income ratio checking: Rider Sum Assured may not exceed 2.4 times of the annual income of the Insured covered. Underwriting Requirement Normal Full underwriting Attachment Rule Attachable to A LifeLink 1 rider per life; sum assured can be increased or reduced Change of Sum Assured Increase or decrease Rider sum assured is allowed, subject to minimum and maximum rider sum assured per life. Free look Period 15 days after policy owner received the policy Monthly Cost of Insurance The monthly cost of insurance will be charged by deducting sufficient number of units at the bid price every monthly anniversary date Medical Loading Imposed on COI rate for sub standard life Occupation Loading COI rates vary by occupation class and age EXCLUSIONS (What is Not Covered) A Plus GenNext does not cover: Assault or murder Riot and civil commotion, industrial action or terrorist activity Willful exposure to danger or attempted self destruction or selfinflicted injuries while sane or insane War, declared or undeclared, or revolution Service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order Making an arrest as an officer of the law Violation or attempted violation of the law or resistance to arrest Participation in any fight or affray Racing on horse or wheels Accident occurring while or because the Insured is under the influence of alcohol, any non prescribed drug or illegal drug Pregnancy, miscarriage or child birth Mental or nervous disorders, depression due to any reason, learning disabilities, treatment of alcoholism or drug abuse, any drug accident not prescribed by a treating Doctor, or any similar conditions or complications arising from such conditions as stated here; Any treatment or investigation which is not Medically Necessary, or convalescence, custodial or rest care. Note: This list is not exhaustive. Please refer to the Sales Illustration and policy contract for details.

6 A Plus Venus & A Plus VenusExtra A Plus Venus and A Plus VenusExtra are unit deducting riders attachable to a regular premium Investment Linked Insurance plan. These plans offer protection for womenrelated conditions or events. These are comprehensive plans that protect a woman s physical and emotional wellbeing. A Plus Venus and A Plus VenusExtra are exactly what the modern woman needs when it comes to meeting the evolving protection and health challenges of the woman. FEATURES Provides double protection on female organs cancer. 200% of the benefit amount so that you can focus on treatment and recovery. Provides additional cover on specific treatments for female related conditions. Provides Out of Action Indemnity when an accident temporarily disables you from performing your usual work or household functions for two straight weeks. Provides Subsidy for expenses incurred for Menopause treatment and Psychotherapy. Value added benefit through Referral Service provides a 24 hour service hotline access to conveniences such Home Assistance 1 and Auto Assistance 1 Note: 1. These services are confined to referral services only. The cost of the actual services shall be borne by the customer. These services are not guaranteed as they are provided by a third party and the continuation of these services are subject to the agreement between the Company and the 3 rd party service provider. The benefits described for the Referral Service are not exhaustive. Please refer to the policy contract for detailed benefits, exclusions, terms and conditions.

7 A Plus Venus & A Plus VenusExtra FEATURES Indication of Cost of Insurance (per RM 1,000 sum assured) for a non smoker female of standard health: Types of Riders/Age 20 years old 30 years old 40 years old A Plus Venus RM 2.79 RM 5.72 RM 8.02 A Plus VenusExtra RM 3.95 RM RM Table of s for A Plus Venus & A Plus VenusExtra No. Amount of Payable (% of the Rider Sum Assured) Waiting Period (from Issue/Commencement/ Reinstatement date, whichever is later) A Plus Venus A Plus VenusExtra 1. Female Illness s (a) Female Organs Cancer (Breast, Cervix Uteri, Uterus, Fallopian Tube, Vulva/Vagina or Ovary 200% (after deducting the Amount of paid under 1 (b) and 1 (c), if any 60 days Insured to survive at least 30 days from diagnosis (b) Carcinoma in situ (CIS) (Breast, Cervix Uteri, Uterus, Fallopian Tube, Vulva/Vagina or Ovary) 100% (after deducting the Amount of paid under 1 (c), if any; or RM 50,000; whichever is lower* 120 days (c) Systemic Lupus Erythematosus (S.L.E.) with Lupus Nephritis 20% (after deducting the Amount of paid under 1 (b); if any) 100%(after deducting the Amount of paid under 1 (b); if any) 30 days 90 days (either 1 c or 1 c is claimable once per life) 2. Treatment s (a) Breast Lumpectomy 15%; or RM 15,000; whichever is lower* 60 days (b) Mastectomy (c) Breast Reconstructive Surgery (d) Female Reproductive Organ Surgery due to Cancer 30%; or RM 25,000; whichever is lower* Treatment is claimable up to 2 events per insured s life. Each event is claimable only once (No waiting period for 2 (e), 2 (f) and Skin grafting due to burns 2 (g)) (e) Loss of Female Reproductive Organ due to Accident (f) Facial Reconstructive Surgery due to Accident (g) Skin Grafting due to Burns or Skin Cancer (h) Severe Rheumatoid Arthritis Osteoporotic Fracture Hip or Vertebrae

8 A Plus Venus & A Plus VenusExtra (Cont d) Table of s for A Plus Venus & A Plus VenusExtra No. Amount of Payable (% of the Rider Sum Assured) Waiting Period (from Issue/Commencement/ Reinstatement date, whichever is later) A Plus Venus A Plus VenusExtra 3. Wellbeing s (a) Compassionate Cash due to Snatch Theft 0.3%; or RM 300; whichever is lower* Item 3 (a) is claimable once every 2 years. No waiting period (b) (c) (d) Hormone Replacement Therapy for Menopause Out of action Indemnity Psychotherapy for loss of legal spouse or legal child 2%; or RM 2,000 whichever is lower* Item 3 (b) 3 (d) is claimable once per insured s life 1 year (No waiting period for 3 (c) and 3 (d) (e) Referral Service Please refer to the endorsement for further details Not applicable 4. Maternity s (a) (iii) (iv) Pregnancy Complications Disseminated Intravascular Coagulation Ectopic Pregnancy Molar Pregnancy Eclampsia 25%; or RM 25,000; whichever is lower* Item 4 (a) is claimable once per insured s life 1 year (excluding pregnant ladies with a gestation period of more than eighteen (18) weeks at policy inception) N/A (b) (iii) (iv) (v) (vi) (vii) (viii) Congenital Anomalies Down s Syndrome Spina Bifida Tetralogy of Fallot Cleft Palate Ventricular Septal Defect Atrial Septal Defect Patent Ductus Arteriosus Siamese Twins 25%; or RM 25,000; whichever is lower* Item 4 (b) is claimable once per insured s life 1 year (excluding pregnant ladies with a gestation period of more than eighteen (18) weeks at policy inception) The newborn baby has to survive more than 30 days after birth and is diagnosed with one of the congenital anomalies before age 1 N/A (c) Death of Foetus beyond 195 days of gestation or Death of Child up to 30 days from birth 25%; or RM 25,000; whichever is lower* Item 4(c) is claimable once per insured s life I year (excluding pregnant ladies with a gestation period of more than eighteen (18) weeks at policy inception) For an Insured with multiple A Plus Venus and/or A Plus VenusExtra, the limit applies to the aggregate of claims made for all riders, regardless of the number of riders under which claims are made. Note: Amount of benefit will be a 1% of the initial Rider sum assured. For 1, the Amount of will be a % of the balance sum assured after a claim is made under 1b or 1c; if any s 2, 3 and 4 will only be claimable as long as the Rider is still in force and the amount of benefits of these categories do not reduce the initial Rider sum assured. Once 100% of the initial Rider sum assured has been fully paid out and the Rider terminates due to claim on 1, then s 2, 3 and 4 will terminate as well, with the exception of 2a (Breast Lumpectomy), 2b (Mastectomy) and 2c (Breast Reconstructive Surgery). 2a (Breast Lumpectomy) and 2b (Mastectomy) are claimable within 3 years after the claim for Breast Cancer under 1 has been incurred. 2c (Breast Reconstructive Surgery) is claimable if claims on Breast Cancer and Mastectomy are both payable. N/A

9 Section B (Life Agents with Takaful license must also do Section B)

10 (Section B) What are Specific Market Plans? These are unit deducting riders which are plans targeted at specific market needs. These plans are attachable to an Investment Linked Takaful plan. A Plus GenNext i A Plus GenNext iis a unit deducting rider attachable to a regular contribution Investment Linked Takaful plan. This plan offers protection and allowance for young adults to overcome life s uncertainties in pursuit of their dreams. FEATURES Provides a monthly Cash Allowance when an accident or illness prevents you from performing your usual work for at least 30 consecutive days. Provides a lump sum benefit so you can focus on recovery when you are struck with a critical illness or accidental disablement. Provides a monthly Cash Allowance to help you through the challenging period when struck with early stage cancer or early stage heart related illnesses. s Amount of (% Rider SC) Conditions Health Challenge : If unable to work for at least 30 days due to an accident or illness that requires inpatient surgery or hospitalisation, as confirmed by a doctor Life Changing Challenge : If diagnosed with any of the listed early stage Cancer or early Heart related illnesses Extra Protection : If diagnosed with one of the 35 Critical Illnesses, or suffer one of the listed Accidental Disablement Monthly allowance of 2% per month, up to maximum 6 months. Payable in lump sum. Claims does not reduce SC. Monthly allowance of 2% per month, for 6 months. Payable monthly. Claims does not reduce SC. 100% lump sum. Payable once per life. Rider will be terminated once a claim has been made for this benefit, and all other allowances will cease. 60 days waiting period on illness. Only one claim payable if two events overlap. The event with the longer period of inability to work will be payable. Illness must require hospitalisation or in patient surgery. Supported by medical certificate and medical report. Subsequent claims resulting from the same accident or illness is not payable. 60 days waiting period. Person Covered to survive at least 30 days from diagnosis. Only one illness is claimable from each category. Maximum of 4 claims 60 days waiting period for Cancer, Heart Attack, Coronary By Pass Surgery and Other Serious Coronary Artery Disease. 30 days for other diseases. Person Covered to survive at least 30 days from diagnosis.

11 A Plus GenNext i List of Early Stage Cancer or Early Stage Heart Related Illnesses (in Life Changing Challenge ) Category Events 1. Cancer Carcinoma in situ; or Early Prostate Cancer; or Early Thyroid Cancer; or Early Bladder Cancer; or Early Chronic Lymphocytic Leukemia; or Carcinoma in situ and other Early Cancers of Specified Organs Treated with Radical Surgery 2. Heart Attack Cardiac Pacemaker or Defibrillator Insertion 3. Serious Coronary Artery Disease 4. Coronary Artery By Pass Surgery 5. Heart Valve Surgery 6. Cardiomyopathy 7. Aorta 8. Primary Pulmonary Arterial Hypertension Early Coronary Artery Disease or Other Coronary Artery Disease Pericardectomy; or Minimally Invasive Direct Coronary Artery Bypass Grafting (MIDCAB) Percutaneous Valvuloplasty; or Percutaneous Valve Replacement Hypertrophic Cardiomyopathy; or Constrictive Pericarditis with Surgery Large Asymptomatic Aortic Aneurysm; or Minimally Invasive Surgery to Aorta Early Primary Pulmonary Arterial Hypertension List of Critical Illness (in Extra Protection ) 1. Stroke resulting in permanent neurological deficit with persisting clinical symptoms 13. Chronic Aplastic Anemia resulting in permanent Bone Marrow Failure 25. Parkinson s Disease resulting in permanent inability to perform Activities of Daily Living 2. Cancer of specified severity and does not cover very early cancers 14. Major Organ / Bone Marrow Transplant 26. Terminal Illness 3. Heart Attack of specified severity 15. Blindness Permanent and Irreversible 27. Encephalitis resulting in permanent inability to perform Activities of Daily Living 4. Coronary Artery By Pass Surgery 16. Deafness Permanent and Irreversible 28. Benign Brain Tumor of specified severity 5. Serious Coronary Artery Disease 17. Loss of Speech 29. Major Head Trauma resulting in permanent inability to perform Activities of Daily Living 6. Heart Valve Surgery 18. Coma resulting in permanent neurological deficit with persisting clinical symptoms 30. Bacterial Meningitis resulting in permanent inability to perform Activities of Daily Living 7. Fulminant Viral Hepatitis 19. Third Degree Burns of specified severity 31. Brain Surgery 8. End Stage Liver Failure 20. Multiple Sclerosis 32. Medullary Cystic Disease 9. Primary Pulmonary Arterial Hypertension of specified severity 21. Paralysis of limbs 33. Loss of Independent Existence 10. End Stage Lung Disease 22. Muscular Dystrophy 34. HIV Infection due to Blood Transfusion 11. Kidney Failure requiring dialysis or kidney transplant 23. Alzheimer s Disease / Severe Dementia 35. Cardiomyopathy of specified severity 12. Surgery to Aorta 24. Motor Neuron Disease permanent neurological deficit with persisting clinical symptoms

12 1. Permanent total loss of sight of one or both eyes 2. Loss of or the permanent total loss of use of one or two limbs 3. Permanent total loss of speech and hearing 4. Permanent and incurable insanity 5. Total Paralysis Specific Market Plans A Plus GenNext i List of Accidental Disablement (in Extra Protection ) Note: The claim eligibility for these benefits must meet the definition as indicated in your policy contract and AIA PUBLIC s approval is subject to the terms and conditions UNDERWRITING AND SERVICING RULES Entry Age (last birthday) years old Coverage Age / Term Until age 50 Rider Sum Covered Minimum RM 20,000 Maximum RM 100,000 Income ratio checking: Rider Covered may not exceed 2.4 times of the annual income of the person covered. Underwriting Requirement Normal Full underwriting Attachment Rule Attachable to A LifeLink i 1 rider per life; sum covered can be increased or reduced Change of Sum Covered Increase or decrease Rider sum covered is allowed, subject to minimum and maximum rider sum covered per life. Free look Period 15 days after certificate owner received the policy Monthly Tabarru The monthly Tabarru will be charged by deducting sufficient number of units at the bid price every monthly anniversary date Medical Loading Imposed on Tabarru rate for sub standard life Occupation Loading Tabarru rates vary by occupation class and age EXCLUSIONS (What is Not Covered) A Plus GenNext i does not cover: Assault or murder Riot and civil commotion, industrial action or terrorist activity Willful exposure to danger or attempted self destruction or selfinflicted injuries while sane or insane War, declared or undeclared, or revolution Service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order Making an arrest as an officer of the law Violation or attempted violation of the law or resistance to arrest Participation in any fight or affray Racing on horse or wheels Accident occurring while or because the Insured is under the influence of alcohol, any non prescribed drug or illegal drug Pregnancy, miscarriage or child birth Mental or nervous disorders, depression due to any reason, learning disabilities, treatment of alcoholism or drug abuse, any drug accident not prescribed by a treating Doctor, or any similar conditions or complications arising from such conditions as stated here; Any treatment or investigation which is not Medically Necessary, or convalescence, custodial or rest care. Note: This list is not exhaustive. Please refer to the Sales Illustration and Takaful Certificate for details.

13 A Plus Venuz i & A Plus VenuzExtra i A Plus Venuz iand A Plus VenuzExtra iare unit deducting riders attachable to a regular premium Investment Linked Takaful plan. These plans offer protection for women related conditions or events. These are comprehensive plans that protect a woman s physical and emotional wellbeing. A Plus Venuz iand A Plus VenuzExtra iare exactly what the modern woman needs when it comes to meeting the evolving protection and health challenges of the woman. FEATURES Provides double protection on female organs cancer. 200% of the benefit amount so that you can focus on treatment and recovery. Provides additional cover on specific treatments for female related conditions. Provides Out of Action Indemnity when an accident temporarily disables you from performing your usual work or household functions for two straight weeks. Provides Subsidy for expenses incurred for Menopause treatment and Psychotherapy. Value added benefit through Referral Service provides a 24 hour service hotline access to conveniences such Home Assistance 1 and Auto Assistance 1 Table of s for A Plus Venuz i& A Plus VenuzExtra i No. Amount of Payable (% of the Rider Sum Covered) Waiting Period (from Issue/Commencement/ Reinstatement date, whichever is later) A Plus Venuz i A Plus VenuzExtra i 1. Female Illness s (a) Female Organs Cancer (Breast, Cervix Uteri, Uterus, Fallopian Tube, Vulva/Vagina or Ovary 200% (after deducting the Amount of paid under 1 (b) and 1 (c), if any 60 days Person covered to survive at least 30 days from diagnosis (b) Carcinoma in situ (CIS) (Breast, Cervix Uteri, Uterus, Fallopian Tube, Vulva/Vagina or Ovary) 100% (after deducting the Amount of paid under 1 (c), if any; or RM 50,000; whichever is lower* 120 days (c) Systemic Lupus Erythematosus (S.L.E.) with Lupus Nephritis 20% (after deducting the Amount of paid under 1 (b); if any) 100%(after deducting the Amount of paid under 1 (b); if any) 30 days 90 days (either 1 c or 1 c is claimable once per life) Note: 1. These services are confined to referral services only. The cost of the actual services shall be borne by the customer. These services are not guaranteed as they are provided by a third party and the continuation of these services are subject to the agreement between the Company and the 3 rd party service provider. The benefits described for the Referral Service are not exhaustive. Please refer to the policy contract for detailed benefits, exclusions, terms and conditions.

14 A Plus Venuz i & A Plus VenuzExtra i Table of s for A Plus Venuz i& A Plus VenuzExtra i No. Amount of Payable (% of the Rider Sum Assured) Waiting Period (from Issue/Commencement/ Reinstatement date, whichever is later) A Plus Venus A Plus VenusExtra 2. Treatment s (a) Breast Lumpectomy (b) Mastectomy (c) Breast Reconstructive Surgery (d) Female Reproductive Organ Surgery due to Cancer 15%; or RM 15,000; whichever is lower* 30%; or RM 25,000; whichever is lower* Treatment is claimable up to 2 events per person s covered life. Each event is claimable only once 60 days (No waiting period for 2 (e), 2 (f) and Skin grafting due to burns 2 (g)) (e) Loss of Female Reproductive Organ due to Accident (f) Facial Reconstructive Surgery due to Accident (g) Skin Grafting due to Burns or Skin Cancer (h) Severe Rheumatoid Arthritis Osteoporotic Fracture Hip or Vertebrae 3. Wellbeing s (a) Compassionate Cash due to Snatch Theft 0.3%; or RM 300; whichever is lower* Item 3 (a) is claimable once every 2 years. No waiting period (b) (c) (d) Hormone Replacement Therapy for Menopause Out of action Indemnity Psychotherapy for loss of legal spouse or legal child 2%; or RM 2,000 whichever is lower* Item 3 (b) 3(d) is claimable once per person s covered life 1 year (No waiting period for 3 (c) and 3 (d) (e) Referral Service Please refer to the endorsement for further details Not applicable

15 A Plus Venuz i & A Plus VenuzExtra i (Cont d) Table of s for A Plus Venuz i& A Plus VenuzExtra i 4. Maternity s (a) (iii) (iv) Pregnancy Complications Disseminated Intravascular Coagulation Ectopic Pregnancy Molar Pregnancy Eclampsia 25%; or RM 25,000; whichever is lower*item 4 (a) is claimable once per person s covered life 1 year (excluding pregnant ladies with a gestation period of more than eighteen (18) weeks at policy inception) N/A (b) (iii) (iv) (v) (vi) (vii) (viii) Congenital Anomalies Down s Syndrome Spina Bifida Tetralogy of Fallot Cleft Palate Ventricular Septal Defect Atrial Septal Defect Patent Ductus Arteriosus Siamese Twins 25%; or RM 25,000; whichever is lower*item 4 (b) is claimable once per person s covered life 1 year (excluding pregnant ladies with a gestation period of more than eighteen (18) weeks at policy inception) The newborn baby has to survive more than 30 days after birth and is diagnosed with one of the congenital anomalies before age 1 N/A (c) Death of Fetus beyond 195 days of gestation or Death of Child up to 30 days from birth 25%; or RM 25,000; whichever is lower* Item 4(c) is claimable once per person s covered life I year (excluding pregnant ladies with a gestation period of more than eighteen (18) weeks at policy inception) N/A For a person covered with multiple A Plus Venuz iand A Plus VenuzExtra i, the limit applies to the aggregate of claims made for all riders, regardless of the number of riders under which claims are made. Note: Amount of benefit will be a 1% of the initial Rider sum covered. For 1, the Amount of will be a % of the balance sum covered after a claim is made under 1b or 1c; if any s 2, 3 and 4 will only be claimable as long as the Rider is still in force and the amount of benefits of these categories do not reduce the initial Rider sum covered. Once 100% of the initial Rider sum covered has been fully paid out and the Rider terminates due to claim on 1, then s 2, 3 and 4 will terminate as well, with the exception of 2a (Breast Lumpectomy), 2b (Mastectomy) and 2c (Breast Reconstructive Surgery). 2a (Breast Lumpectomy) and 2b (Mastectomy) are claimable within 3 years after the claim for Breast Cancer under 1 has been incurred. 2c (Breast Reconstructive Surgery) is claimable if claims on Breast Cancer and Mastectomy are both payable.

16 A Plus Venuz i & A Plus VenuzExtra i UNDERWRITING RULES A Plus Venuz i A Plus VenuzExtra i Entry Age weeks of gestation (Pregnant Person Covered) Coverage Age (Maternity benefits ceases at age 45) Sum Covered Minimum RM20,000 Maximum RM150,000 (in multiple of RM1,000) Attachable to A LifeLink i Attachment rule Can have multiple APV i and/or APVX i, subject to the limit of RM150k per life and each rider is attached in a different A LifeLink i plan. *For a Person Covered with multiple A PlusVenuz i rider and/or A PlusVenuzExtra i rider, all benefit limits apply to the aggregate of claims made from all riders, regardless of the number of riders under which claims are made. A Plus Venuz i A Plus VenuzExtra i Underwriting Rules Non pregnant Person Covered & Pregnant < 18 weeks gestation Pregnant 18 weeks gestation Non pregnant Person Covered & Pregnant < 18 weeks gestation Pregnant 18 weeks gestation Underwriting Normal full underwriting Normal full underwriting Normal full underwriting + Pregnancy questionnaire* Submission document requirement Normal application form Normal application form Normal application form + Pregnancy questionnaire* * Pregnancy Questionnaire has to be filled by attending Obstetrician / Gynecologist and to be submitted to Underwriting within one month from the submission date of the application form GENERAL EXCLUSIONS Any Pre Existing Condition In Our opinion, the Person Covered is diagnosed to have disease(s) that is caused directly or indirectly by the existence of Acquired Immunodeficiency Syndrome (AIDS) or by the presence of any Human Immunodeficiency Virus (HIV) infection. We reserve the right to require the Person Covered / Certificate Owner to undergo a blood test for HIV as a condition precedent to any acceptance of any claim. The exception is when HIV infection is due to blood transfusion as defined in this Supplementary Contract Self inflicted injuries while sane or insane. Signs or symptoms of any of the covered conditions/benefits (including those leading to performance of the surgery if required) which first occurred within the Waiting Period. In the event of any conflict or discrepancy of opinions relating to the signs or symptoms of covered conditions/benefits and their manifestation between a Physician and the Person Covered / Owner, we will adopt and follow Physician s professional opinion. Willful misuse of drugs or alcohol.

17 A Plus Hajj The Hajj and Umrah are two important milestones for every Muslim, and one would want to experience this special journey at least once in their lifetime. As you prepare for your holy pilgrimage, it is important for you to be financially prepared so that in the event of any unfortunate incidents, you and your loved ones will be protected. FEATURES Introducing A Plus Hajj, a unique Takaful add on with features to complement the A LifeLink i plan. A Plus Hajj provides extra protection should the unexpected happen to you during your pilgrimage or if you pass away due to an accident, as we will pay twice the coverage amount, and your family will also receive monetary compensation. s Amount of (% Rider SC) Conditions Coverage during Hajj and Umrah Coverage on Middle East Respiratory Syndrome (MERS) Virus Pays 100% of A Plus Hajj coverage amount if death or Total and Permanent Disability (TPD) happen during Hajj or Umrah trip. Pays 100% of A Plus Hajj coverage amount if death happen due to Middle East Respiratory Syndrome (MERS) Virus2 while or after returning from Hajj or Umrah trip. The coverage period will be the actual length of the trip up to a maximum of 45 days of Hajj and 15 days for Umrah. It does not provide coverage during Ziarah or travels outside of Saudi Arabia during the period. The coverage of A Plus Hajj is until age 80. Total and Permanent Disability (TPD) Coverage is up to age 70. MERS Virus must be diagnosed not later than 21 days after returning from Hajj or Umrah. Coverage on Accidental Death at all times (not limited during Hajj or Umrah trip) Pays 100% of A Plus Hajj coverage amount upon accidental death at all times. Pays 200% of A Plus Hajj coverage amount if accidental death happens while in public conveyance, at all times. Coverage on accidental death is up to age 70. Boost Your Savings with Value Booster Enjoy scheduled Value Booster, which equivalent to 2% of A Plus Hajj coverage amount once every 3 years, starting from the end of 3rd certificate year until maturity of A Plus Hajj. You have the options on how the Value Booster is to be paid to you: 1. Accumulate and invest it in your Participant s Investment Fund (PIF); or 2. Pay out to you; or 3. Credit into your Tabung Haji account. The Value Booster is payable at the end of every 3 certificate years, until age 80 or expiry or termination of the Certificate, whichever is earlier.

18 A Plus Hajj s Amount of (% Rider SC) Conditions Badal Hajj Compassionate for Spouse RM 5,000 will be payable upon death to assist your family to arrange for Badal Hajj when you are no longer around Should the unfortunate happen when you and your spouse are performing Hajj or Umrah, we shall pay the Compassionate upon death of your spouse, equivalent to 20% of A Plus Hajj coverage amount or RM 10,000, whichever is lower. This benefit is fixed regardless of A Plus Hajj Sum Covered. AIA Public does not provide service of Badal Hajj itself. The family has to arrange for the deceased. This benefit is payable to a Muslim Person Covered only if the death happens after age 16 Provided that the spouse travels to perform Hajj or Umrah with the Person Covered. Only one Compassionate is payable under A Plus Hajj during the coverage term. Spouse Compassionate is subject to a maximum of RM 10,000. UNDERWRITING RULES Rider Type Optional Unit Deducting Rider, attachable to A LifeLink i Rider Sum Covered Minimum: RM 10,000 Maximum: RM 1,000,000 Can be equal or less than the Basic Sum Covered Person Covered s Entry Age Minimum: 14 days old Maximum: 60 years old Coverage Term Contribution Term Underwriting Requirement Age 80 (last birthday) of the Person Covered, or expiry / termination of A LifeLink i, whichever is earlier Full term until maturity Follow Basic Plan Occupational / Medical Loading Not Applicable Risk Backdating Tabarru Rate GST in scope Follow Basic Plan Tabarru rate is not guaranteed Not applicable

19 A Plus Hajj GENERAL CONDITION FOR COVERAGE DUE TO HAJJ OR UMRAH 1. The cover period will be the actual length of the trip up to a maximum of forty five (45) days for Hajj and fifteen (15) days for Umrah. 2. The coverage starts when the Person Covered enters the international border when travelling to Saudi Arabia until the Person Covered exits the international border at the destination where the Person Covered departs from Saudi Arabia. 3. International border represents the border limit where the Person Covered crosses the Malaysian Immigration Passport check when travelling to Saudi Arabia or from Saudi Arabia. 4. The benefits will be provided solely for Hajj/Umrah only. It does not provide coverage during Ziarah or travels, if the Person Covered performs Ziarah or travels outside of Saudi Arabia during the Hajj/Umrahperiod. 5. The benefits are only applicable for Muslim Person Covered. TAKAFUL MODEL

20 A Plus Hajj GENERAL EXCLUSIONS Death or Death during Hajj or Umrah This plan does not cover death due to suicide while sane or insane within 1 year from the Issue Date or Commencement date of this certificate, whichever is later. TPD This plan does not cover: Willful exposure to danger or attempted self destruction or self inflicted injuries while sane or insane; Services in any armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order; Activities connected to any aerial device or conveyance except as a fare paying passenger or crew member on a commercial airline on a regular scheduled passenger trip over its established passenger route; Any congenital defect which has manifested or was diagnosed before age 17; Pre existing disability resulting from a physical or mental condition. Accidental Death (including in Public Conveyance) This plan does not cover: Assault or murder; Riot and civil commotion, industrial action or terrorist activity; Willful exposure to danger or attempted self destruction or self inflicted injuries while sane or insane; War, declared or undeclared, or revolution; Service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order; Making an arrest as an officer of the law; Violation or attempted violation of the law or resistance to arrest; Participation in any fight or affray; Racing on horse or wheels; Accident occurring while or because the Person Covered is under the influence of alcohol, any nonprescribed drug or illegal drug; Hernia, ptomaines or bacterial infection (except pyogenic infection which shall occur with and through an accidental cut or wound); The intentional or negligent inhalation or consumption of poison, gases or noxious fumes; Entering, exiting, operating, or servicing, or being transported by any aerial device or conveyance except when the Person Covered is a fare paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route. This list is non exhaustive. Please refer to the Takaful Certificate for the full details of the exclusions.