Personal Accident Insurance. Protect All 110 EVO. A Plan That Completely Sets You Free

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1 Personal Accident Insurance Protect All 110 EVO A Plan That Completely Sets You Free

2 Protect All 110 EVO A comprehensive protection by Protect All 110 EVO Accidents happen any place, any time and to anyone. Most of the time, these accidents cause more than just physical pain. It could leave a deep mark of mental, emotional and financial distress, not only to ourselves but also to our loved ones. Well, prevention is better than cure. Why not get prepared before the unfortunate happens? With the all new Protect All 110 EVO, you will be able to protect yourself and your loved ones from unnecessary burden. It will also ensure your finances are not stretched to hardship levels during your recovery period. Benefits Accidental death benefit Pays the capital sum in the event of accidental death. Accidental permanent dismemberment/disablement Pays up to the capital sum as per schedule. Medical reimbursement Reimbursement of medical expenses up to the sum insured inclusive of hospital room and board, clinical, outpatient and surgical treatment. Weekly indemnity Pays up to 104 weeks if the insured is totally or partially disabled and unable to attend to his/her work as certified by a registered medical practitioner. Temporary Total Disability - of the benefit amount Temporary Partial Disability - 50% of the benefit amount Daily hospital income A daily hospital income up to RM300 per accident (max. 180 days). Broken bones/burns Pays up to RM50,000 as per schedule. Physician benefit An additional medical benefit up to RM500 to cover treatment by acupuncturist, bonesetter, chiropractor, osteopath & physiotherapist. (Provided the first consultation is by registered medical practitioner). Ambulance fee Pays ambulance fee incurred consequent upon accident up to RM200 per accident. Death benefit (all causes) Death benefit up to RM200,000 is payable in the event of death due to all causes. 1

3 How Protect All 110 EVO sets you free Excellence Affordable premium from as low as RM0.90 daily (Plan 1, Occupation Class 1-2) Worldwide protection, 24 hours a day 7 days a week Value Extended coverage Hassle-free premium payment Outstanding Coverage is renewable up to age 75, subject to a maximum term of 20 years A wide range of plans to meet your needs Table of benefits & premiums No. Features/Benefits Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 (RM) (RM) (RM) (RM) (RM) (RM) 1 Accidental death 50, , , , ,000 1,000,000 2 Accidental permanent dismemberment/disablement 50, , , , ,000 1,000,000 3 Medical reimbursement 5,000 6,000 8,000 10,000 12,000 15,000 4 Weekly indemnity (max 104 weeks): A) Temporary total disability B) Temporary partial disability Daily hospital income (max 180 days) Broken bones/burns 8,000 10,000 15,000 20,000 30,000 50,000 7 Physician benefit Ambulance fee Death (all causes) 20,000 30,000 40,000 60, , ,000 Total Premium Occupation Class ,094 1,669 2,875 Occupation Class ,168 1,736 2,725 5,019 Note: Premiums and renewals for accidental coverage are not guaranteed. The company reserves the right to review the premiums by giving a 3-month written notice prior to policy anniversary. Accidental coverage premium Occupation Class ,169 1,875 Occupation Class ,136 1,725 3,019 Death all causes premium Occupation Class ,000 Occupation Class ,000 2,000 2

4 Extended coverage Whilst on any mode of travelling Motor cycling Whilst engaged in sports or hobbies All amateur sports (except martial arts and boxing) Water sports including yachting and water skiing Scuba diving (up to 50 meters deep) Hunting Mountain climbing Polo playing Bungee jumping Accidents caused by natural events Natural disasters including La Nina, El Nino, flood and earthquake Insect bites, snake bites and animal bites Other additional extensions Strike, riot and civil commotion Murder and assault (unprovoked) Drowning Suffocation through smoke fumes or poisonous gas Food and drink poisoning Extended coverage for Dengue Fever and Japanese Encephalitis - up to of the Medical Reimbursement only. Exclusion War, civil war, terrorism, AIDS and diseases, childbirth, miscarriage, provoked murder or assault, travelling as an aircraft crew, aerial activities, martial arts, racing, radiation, nuclear weapons and intoxication by alcohol & drugs. Japanese Encephalitis and Dengue Fever are excluded for all benefits except Medical Reimbursement benefit. Frequently asked questions 1. Why do I need this plan? By applying Protect All 110 EVO, you will enjoy comprehensive protection and peace of mind. Knowing that in the event of an accident, you and your loved ones will be financially secured. 2. Who is eligible for Protect All 110 EVO? Protect All 110 EVO is open to anyone between 10 years old and 55 years old. However, the policy owner must be at least 16 years old. This plan is renewable up to age 75, subject to a maximum term of 20 years. 3. What is the mode of payment available? You can opt to pay your premium (1) Yearly (2) Half-yearly (3) Quarterly 3

5 4. Does this plan provide any cash value? No. This is a protection plan with no cash value. Table of benefits for accidental death and permanent dismemberment/disablement Compensation (percentage of accidental death & permanent dismemberment/disablement benefit) Accidental death Loss of or permanent total loss of use of two limbs Loss of or permanent total loss of use of both hands, or of all fingers and both thumbs Total paralysis Total insanity Injuries resulting in being permanently bedridden Any other injury causing permanent total disablement Loss of or permanent total loss of use of arm at shoulder Loss of or permanent total loss of use of arm between shoulder and elbow Loss of or permanent total loss of use of arm at elbow Loss of or permanent total loss of use of arm between elbow and wrist Loss of or permanent total loss of use of hand at wrist Loss of or permanent total loss of use of leg - at hip - between knee and hip - between knee and ankle Eye: loss of - whole eye - sight of - sight of, except perception of light 50% - lens of 50% Loss of or permanent total loss of use of four fingers and thumb of one hand 50% Loss of or permanent total loss of use of four fingers 40% Loss of or permanent total loss of use of thumb - both phalanges 25% - one phalanx 10% Loss of or permanent total loss of use of index finger - three phalanges 10% - two phalanges 8% - one phalanx 4% Loss of or permanent total loss of use of middle finger - three phalanges 6% - two phalanges 4% - one phalanx 2% 4

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19 க ழ க கண ட சண ட யத (50 ) ( ) சல க ளத வழங த லத Protect All 110 EVO ப ம யத தப கட டணங க ளச (1) (2) (3) 18

20 வ ரல க ம 50% 50% 50% 40% 25% 10% 10% 8% 4% 6% 4% 2% 19

21 5% 4% 2% 4% 3% 2% ( ) ( ) 3% 2% 15% 5% 2% 1% 75% 15% 50% த வக ளச 20

22 Malaysian Goods and Services Tax Please be informed that the Goods and Services Tax ( GST ) has been implemented by the Government of Malaysia with effect from 1 April 2015 at a rate of six percentum (6%). Zurich Life Insurance Malaysia Berhad reserves the right to collect from you an amount equivalent to the GST payable on the applicable processing fee, policy fee, service fee, premium or insurance charge for the policy period effective 1 April Upon implementation of GST in Malaysia, the prevailing rate of GST on any taxable supply as listed under GST Act, re-enactment, by laws and all other related laws shall be imposed thereto accordingly. Your obligation to pay GST shall form part of the terms and conditions in your insurance policy. Cukai Barangan dan Perkhidmatan Malaysia Dimaklumkan bahawa Cukai Barangan dan Perkhidmatan ( GST ) telah dilaksanakan oleh Kerajaan Malaysia bermula pada 1 April 2015 pada kadar enam peratus (6%). Zurich Life Insurance Malaysia Berhad berhak memungut sejumlah amaun GST yang berpatutan ke atas yuran pemprosesan, yuran polisi, yuran perkhidmatan, premium atau caj bagi tempoh polisi bermula 1 April Dengan pelaksanaan GST di Malaysia, kadar semasa GST ke atas mana-mana bekalan bercukai yang disenaraikan di bawah Akta GST, pembuatan semula, undang-undang dan sebarang perundangan lain akan dikenakan dengan sewajarnya. Kewajipan pembayaran GST adalah membentuk sebahagian daripada terma dan syarat polisi insurans anda (6%) GST Zurich Life Insurance Malaysia Berhad GST GST GST GST GST ( GST ) (6%) Zurich Life Insurance Malaysia Berhad GST GST GST GST GST 21

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