Mellita Care. Same Traditions, Strong Values. Life insurance & Critical illness insurance for diabetes
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1 Mellita Care Same Traditions, Strong Values Life insurance & Critical illness insurance for diabetes
2 1
3 Introducing Mellita Care Our love affair with all things sweet began with sugarcane, which originated from tropical Southeast Asia and South Asia. In its earliest guise, people chewed the raw and fibrous stalks to extract their sweetness. During the Gupta dynasty in 350 C.E., the Indians discovered that cane juice could be extracted and refined into crystallised granules: such a great discovery that imperial envoys travelled from China to learn how sugar could be cultivated and refined. By the sixth century, medieval Arab entrepreneurs adapted the knowledge of sugar production from India to the Mediterranean and, with the Venetian merchants of Europe, expanded the industry alongside the already lucrative spice trade. At this time, sugar was expensive, and was considered to be a fine spice. The tempting pull and sweet seduction of the molasses family has led to sugar becoming a staple of our culinary efforts and prolific desserts. Today, the world s insatiable demand for sugar has led to sugarcane becoming the world s largest crop in terms of quantity of production: each year sees the global production of almost 175 million metric tons of sugar, of which cane accounts for 80% and sugar beets the remaining 20%. Our delectable local fare and mouthwatering combination of treats and delightful sweets are always so enjoyable. Sugar is a boon for flavours and sweetness but overconsumption is a bane to our health. This addictive crop, say some experts, has created its legacy in the form of high rates of obesity, high blood pressure, heart disease and, of course, diabetes. source : At Archipelago Life Insurance Limited, we understand that life with diabetes is a not so sweet story and can leave us feeling isolated. To help our customers to face the consequences of a diabetes diagnosis, we have created Mellita Care to help you deal with the ramifications of diabetes that not only covers your condition and its complications. 2
4 What does Mellita Care do? Mellita Care is a pure protection life insurance yearly plan with specified Critical Illness (CI) that is tailored for diabetics. Renewal premiums are paid annually for every renewable policy term of agreed years. The product covers those who have been diagnosed with Type II Diabetes Mellitus (DM) or as Pre-DM with a HbA1c index of greater than 5.7%. Policyholders must be aged between 30 and 60 years at the start of the policy, with maximum cover ceasing at 70 years. Mellita Care is available in three plans - Standard, Select and Elite - offering increasing fixed sum assured limits. The policy provides a high level of transparency as to the cost of cover, the distribution and intermediary costs and management expenses. The Advantage of Mellita Care The first of its kind in the ASEAN market, Mellita Care is a new and innovative product for diabetics that accepts those substandard life risks who are normally unable to find insurance coverage. It will reward you for staying healthy, by providing you with renewal discounts that lead to reduced premiums. Mellita Care is a product that covers the cost, financial burden and lifestyle protection against the serious complications of diabetes and other associated major illnesses. source : 3
5 KEY MESSAGES million people have diabetes; by 2035 this will rise to 592 million - The number of people with type 2 diabetes is increasing in every country - The greatest number of people with diabetes is between 40 and 59 years of age million people with diabetes are undiagnosed - Diabetes caused 4.9 million deaths in 2014; every seven seconds, a person dies from diabetes - Diabetes caused at least USD 612 billion dollars in health expenditure in % of total spending on adults - In the Western Pacific (including Asia), 138 million adults have diabetes - the largest number of any region 4
6 The Benefits Offered by Mellita Care Under the Mellita Care plan, additional to covering life insurance, lump sum accelerated benefits are paid if the insured suffers from one of the specified conditions covered by the policy. These selected conditions cover not only the main risks associated with diabetes, but also cancer, which is one of the leading causes of Critical Illness (CI). The specified core CI plan has a focus on major, life-threatening condition in addition to minor, early stage complications (marked * in blue), where each capital benefit amount is 15% of the base sum assured. This early stage benefit would be paid as an acceleration of the main benefit, keeping the policy in force with the remainder of the sum assured to allow subsequent benefit. The benefits payable through Mellita Care are independent of any other medical or insurance plan. Who needs Mellita Care? Type II Diabetes Mellitus (DM) or as Pre-DM with a HbA1c index of greater than 5.7% individuals who are unable to obtain standard life or health insurance cover. who are looking to supplement or enhance their existing life or health insurance cover. who are committed to making sensible steps towards staying healthy - such as eating well and exercising regularly - and who wish to make a real difference to their mind, body and soul balance. who want an insurance partner who understands them and has their best interests at heart. 5
7 Why Archipelago? The Archipelago Group is a home-grown insurance group with a key management team that boasts a combined experience of more than 80 years in insurance underwriting, alternative risk transfer pricing, asset management and investment structuring. It is this combination of experience that ensures that The Archipelago Group can remain responsive and flexible in its customisation of life protection covers for our region s unique needs. Archipelago Life Insurance Limited is licenced and regulated by the exacting standards that the Labuan Financial Services Authority (Labuan FSA) applies to all global insurance companies, as the solvency ratio required by the Labuan FSA is equivalent to the A-rating awarded by AM Best. Archipelago Life Insurance Limited also offers peace of mind, thanks to its backing by the world s fifth largest reinsurer, with a rating of A+ given by Standard & Poor s and with 5bn in shareholder equity. 6
8 For more information : Registered Office Address : Brumby Centre, Lot 42, Jalan Muhibbah, Labuan Federal Territories, Malaysia. Co-located Office : B-08-07, Gateway Corporate Suites, Gateway Kiaramas, No.1 Jalan Desa Kiara, Mont Kiara, Kuala Lumpur, Malaysia Telephone : +6 (03) Fax : +6 (03) customerservice@archipelagolife.com URL : All plans are underwritten and administered by Archipelago Life Insurance Limited, registered in Labuan FT, Malaysia (Company Registration No: LL09829) which is authorised and regulated by the Financial Service Authority of Labuan (LFSA) (Company License No: IS ) All persons appearing in this brochure are fictitious and models and their images are used strictly for illustration purposes only. Any resemblance to existing members is purely coincidental. Individual copyright holders of images retain the copyright of their images. The material provided in this brochure is for informational purposes only and is not a contract. Your insurance policy and not the information contained in this brochure forms the contract between you and the insurance company. The policy contains limits, exclusions and limitations not detailed herein. If there is a discrepancy between information contained herein and your policy, your policy takes precedence. There is no intentionally misleading information contained herein, however the insurer takes no responsibility for errors. We will endeavour to correct to clarify any incorrect information whenever possible.
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