SFA SmartMedi 2.0 (15-03-2016)

Special Distribute By: Program Manager:
Standard Financial Adviser Sdn Bhd MXM International Sdn Bhd

Hospitalization & Hospital
Surgical Insurance
Health
Cash Income
Screening

Personal Accident Worldwide

Protection Protection
Emergency
Assistance
Worldwide

52 Tests
Health Screening


Cancer of the
Male Liver Cancer
Colon
1 AFP: Screening for Liver Related Cancer
2 CEA: Screening for Cancer of the Colon
3 CA199: Screening for Cancer of the Stomach
4 PSA: Screening For Cancer of the Prostate
Female Stomach Cancer Prostate Cancer

1 AFP: Screening for Liver Related Cancer
2 CEA: Screening for Cancer of the Colon
3 CA199: Screening for Cancer of the Stomach
4 CA125: Screening for Cancer of the Ovary
Cancer of the Breast Cancer
5 CA153: Screening for Cancer of the Breast Ovary

Tan Sri Dato' Sri Dr. Teh
Hong Piow, Founder and
Chairman of Public Bank
& Lonpac Insurance
Berhad.
As the associate
company with common
directors as Public Bank
Group
KL/SELANGOR MELAKA
37 PUSAT PAKAR MATA CENTRE FOR KEDAH
1 ALPHA SPECIALIST CENTRE 68 MAHKOTA MEDICAL CENTRE
SIGHT 64 METRO SPECIALIST HOSPITAL
2 ARUNAMARI SPECIALIST MEDICAL CENTRE 69 PANTAI HOSPITAL AYER KEROH
38 KL EYE SPECIALIST CENTRE 65 KEDAH MEDICAL CENTRE
3 ASSUNTA HOSPITAL 70 PUTRA SPECIALIST HOSPITAL, MELAKA
39 COLUMBIA ASIA HOSPITAL - BUKIT 66 PUTRA MEDICAL CENTRE
4 COLUMBIA ASIA HOSPITAL - PUCHONG
RIMAU 67 PANTAI HOSPITAL SUNGAI PETANI
5 DAMAI SERVICE HOSPITAL (HQ) NEGERI SEMBILAN
40 COLUMBIA ASIA HOSPITAL - CHERAS
6 DAMAI SERVICE HOSPITAL (MELAWATI) 71 COLUMBIA ASIA HOSPITAL - SEREMBAN
41 COLUMBIA ASIA HOSPITAL - SETAPAK SABAH
7 KPJ DAMANSARA SPECIALIST HOSPITAL 72 N.S. CHINESE MATERNITY HOSPITAL 93 DAMAI SPECIALIST HOSPITAL
8 DEMC SPECIALIST HOSPITAL (NSCMH)
PERAK 94 RAFFLESIA MEDICAL CENTRE 088-272 620
9 GLENEAGLES KUALA LUMPUR 73 SEREMBAN SPECIALIST HOSPITAL
42 APOLLO MEDICAL CENTRE 95 SABAH MEDICAL CENTRE 088-322109
10 PANTAI HOSPITAL AMPANG 74 NCI CANCER HOSPITAL
43 HOSPITAL FATIMAH
11 HOSPITAL PUSRAWI 75 MAWAR RENAL MEDICAL CENTRE
44 KPJ IPOH SPECIALIST HOSPITAL SARAWAK
12 INSTITUT JANTUNG NEGARA 76 SENAWANG SPECIALIST HOSPITAL
45 KINTA MEDICAL CENTRE 96 BINTULU MEDICAL CENTER
13 KAJANG PLAZA MEDICAL CENTRE, PUCHONG
46 LARUT MEDICAL CENTRE 97 NORMAH MEDICAL SPECIALIST CENTRE
(KPMC) JOHOR
47 PANTAI HOSPITAL IPOH 98 REJANG MEDICAL CENTRE
14 KAJANG PLAZA MEDICAL CENTRE (KPMC) 77 HOSPITAL PENAWAR
48PERAK COMMUNITY SPECIALIST 99 COLUMBIA ASIA HOSPITAL - MIRI
15 KAMPONG BARU MEDICAL CENTRE (AL-ISLAM) 78 KPJ JOHOR SPECIALIST HOSPITAL
HOSPITAL 100 TIMBERLAND MEDICAL CENTRE
16 KPJ AMPANG PUTERI SPECIALIST HOSPITAL 79 MEDICAL SPECIALIST CENTRE (JB)
49 TAIPING MEDICAL CENTRE 101KUCHING SPECIALIST HOSPITAL
17 KPJ KAJANG SPECIALIST HOSPITAL 80 PUTERI SPECIALIST HOSPITAL
50 COLUMBIA ASIA HOSPITAL - TAIPING 102 SIBU SPECIALIST MEDICAL CENTRE
18 KPJ TAWAKKAL SPECIALIST HOSPITAL 81 PUTRA SPECIALIST HOSPITAL (BATU PAHAT) 103 MIRI CITY MEDICAL CENTRE
19 KPJ SELANGOR SPECIALIST HOSPITAL
PENANG 82 KLUANG UTAMA SPECIALIST HOSPITAL 104 COLUMBIA ASIA HOSPITAL BINTULU
20 SENTOSA SPECIALIST HOSPITAL, KLANG 83 PANTAI HOSPITAL BATU PAHAT
51 BAGAN SPECIALIST CENTRE
21 KELANA JAYA MEDICAL CENTRE 84 KEMPAS MEDICAL CENTRE
52 KPJ PENANG SPECIALIST HOSPITAL
22 LOURDES MEDICAL CENTRE 85 REGENCY SPECIALIST HOSPITAL
53 GLENEAGLES MEDICAL CENTRE,
23 SIME DARBY SPECIALIST CENTRE 86 COLUMBIA ASIA HOSPITAL - NUSAJAYA
PENANG
24 PANTAI HOSPITAL CHERAS
54 HOPE CHILDREN HOSPITAL (JLN
25 PANTAI HOSPITAL KLANG
26 PANTAI HOSPITAL KUALA LUMPUR
GOTTLIEB,GEORGETOWN)
55 HOPE CHILDREN HOSPITAL (BAYAN
PAHANG
87 KUANTAN MEDICAL CENTRE
Anda Boleh
27 PRINCE COURT MEDICAL CENTRE 88 KUANTAN SPECIALIST HOSPITAL
28 SENTOSA MEDICAL CENTRE, KUALA LUMPUR
29 SRI KOTA SPECIALIST MEDICAL CENTRE
LEPAS)
56 HOPE CHILDREN HOSPITAL (FARLIM) 89 DARUL MAKMUR MEDICAL CENTER Memilih
57 HOPE CHILDREN HOSPITAL (JELUTONG)
30 SIME DARBY MEDICAL CENTRE
31 SUNWAY MEDICAL CENTRE
58 PANTAI HOSPITAL PENANG
59 HOSPITAL LAM WAH EE
KELANTAN
90 KOTA BHARU MEDICAL CENTRE Hospital Yang
32 TAMAN DESA MEDICAL CENTRE 91 PERDANA SPECIALIST HOSPITAL
60 LOH GUAN LYE SPECIALIST CENTRE
33 THE TUN HUSSEIN ONN NATIONAL EYE
HOSPITAL
61 PENANG ADVENTIST HOSPITAL
62 TANJUNG MEDICAL CENTRE TERENGGANU
Anda Suka!
34 TUNG SHIN HOSPITAL 92 KUALA TERENGGANU SPECIALIST HOSPITAL
63 ISLAND HOSPITAL
35 UNIVERSITI MALAYA SPECIALIST CENTRE (KTS)
36 TROPICANA MEDICAL CENTRE

(Accidental Death & Permanent Disablement ):

Emergency Evacuation & Repatriation

Repatriation of Mortal Remains:


Program Benefits SmartMedi SmartMedi
500 350
Hospitalization & Surgical Insurance
Room & Board RM500 RM350
Limit Per disability RM200,000 RM150,000
Annual Limit RM600,000 RM450,000
Personal Accident Insurance RM200,000 RM150,000
Hospital Cash Income RM500 RM300
SmartMedi Extra Benefits:
Health Screening 52 Tests Every Year 52 Tests Every Year

5 Cancer Marker
Cancer Marker Screening Screening - Every Year N/A
5
AAN - Emergency Medical Assistance
USD1,000,000 USD1,000,000
Worldwide 24

MALAYSIA HEALTHCARE PROTECTION PROGRAM RESEARCH & COMPILATION
(Private & Confidential)
No Company Company A Company Z Company PR
1 Medical Protection Plan Plan 250X Plan 4X P 300X
2 Number Of Private Hospitals 83 92 76

3 Room & Board RM250 RM350 RM300
4 Max Stay 120 Days 200 Days 120 Days
As Charged As Charged As Charged
5 ICU 120 days 60 days 30 days
Co-Insurance:
6 Customer is required to make a "minimum NO NO YES
payment" during hospitalization and NO REFUND.
7
Specified Illnesses: YES YES YES
Within 120 Days These Illnesses Are NOT Covered
8 Guarantee Renewal YES YES YES
Alterations Of Policy:
Insurance Company Has a right to change & amend the
9 policy benefits. It may affect the policy holder: Can Change Can Change NO
i) AUTO downgrade due to a claim.
ii) Impose Exclusion during renewal
Portfolio Withdraw Condition:
(The Company reserves the right to cancel the portfolio
10 NO YES NO
as a whole if decides to discontinue underwriting this
insurance product.)
11 Overall Annual Limit RM150,000 RM200,000 RM100,000
12 Lifetime Limit No RM1,200,000 RM1,000,000
Insurance Premium Based On Brochure

Premium (1 Year) - Age 0 - 18 RM1,365.00 RM1,550.00 RM1,466.00
Premium (1 Year) - Age 19 25 RM1,060.00 RM1,317.00 RM1,799.00
*All premium excluding GST
Alterations Policy
Alterations Policy
Policy Wording - Alterations Clause
Registered & Approved Corporate Insurance Agency: Program Manager:

Pathlab Health Management (M) Sdn Bhd
1 Medical Protection Plan Plan 250X Plan 4X P 300X PVM 2(A)
2 Number Of Private Hospitals 83 92 76 119

3 Room & Board RM250 RM350 RM300 RM350
4 Max Stay 120 Days 200 Days 120 Days NO Limit on Number of Day
As Charged As Charged As Charged As Charged
5 ICU 120 days 60 days 30 days NO Limit on Number of Day
Co-Insurance:
6 Customer is required to make a "minimum NO NO YES NO
7
Specified Illnesses: YES YES YES NO
8 Guarantee Renewal YES YES YES YES
9 policy benefits. It may affect the policy holder: Can Change Can Change NO NO
10 NO YES NO NO
insurance product.)
11 Overall Annual Limit RM150,000 RM200,000 RM100,000 RM450,000
12 Lifetime Limit No RM1,200,000 RM1,000,000 NO

Description Market Value
52 Tests Inclusive
Worth
Health Screening RM220 per year
International & Domestic Medical Emergency Worth USD435 x3
Evacuation & Repatriation:
Inclusive = RM1,305
USD1,000,000 (Kindly refer to
www.internationalsos.com
to get your own quotation).
Private & General Hospitalisation Cash Benefit

Worth
RM300 per day (3rd Day onward) Inclusive RM300 per year
Personal Accident Insurance:
Accident death + Permanent Disablement Worth
Inclusive
RM150,000 RM150 per year
Complementary Benefits
Worth
RM1,975
1 Medical Protection Plan Plan 250X Plan 4X P 300X PVM 2(A)
2 Number Of Private Hospitals 83 92 76 119

3 Room & Board RM250 RM350 RM300 RM350
4 Max Stay 120 Days 200 Days 120 Days NO Limit on Number of Day
As Charged As Charged As Charged As Charged
5 ICU 120 days 60 days 30 days NO Limit on Number of Day
Co-Insurance:
6 Customer is required to make a "minimum NO NO YES NO
7
Specified Illnesses: YES YES YES NO
8 Guarantee Renewal YES YES YES YES
9 policy benefits. It may affect the policy holder: Can Change Can Change NO NO
10 NO YES NO NO
insurance product.)
11 Overall Annual Limit RM150,000 RM200,000 RM100,000 RM450,000
12 Lifetime Limit No RM1,200,000 RM1,000,000 NO

Premium (1 Year) - Age 0 - 18 RM1,365.00 RM1,550.00 RM1,466.00 RM881 (RM73)
Premium (1 Year) - Age 19 25 RM1,060.00 RM1,317.00 RM1,799.00 RM1,345 (RM112)
Premium (1 Year) - Age 76 - 80 RM17,487.00 RM8,236.00 RM10,732.00 RM5,880 (RM490)
Extra Benefit :
Upgrade Room & Board
RM1,000
Will Take Effect Once Member has exhausted His / Her Per Disability Limit of
RM150,000
Program Benefits SmartMedi VIP SmartMedi VIP
500 350

Annual & Lifetime Limit NO LIMIT NO LIMIT

5 Cancer Marker
5
USD1,000,000 USD1,000,000
Worldwide 24

Deductible 500 Deductible 350

Overall Annual Limit RM600,000 RM450,000
Deductible Per disability Increase RM500 RM7,500 RM5,000

for every 3 Years. Pay By Others Medical Card or Self Pay
3RM500
Cancer Marker Screening Every Year 5 Cancer Marker Screening 1 Cancer Screening -AFP
5 Liver Related Cancer

USD1,000,000 USD1,000,000
Worldwide 24
SmartMedi Deductible Super Protector
SmartMedi SmartMedi
Program Benefits
Deductible VIP Deductible VIP
500 350
Overall Annual Limit NO LIMIT NO LIMIT
Deductible Per disability Increase RM500
for every 3 Years. RM7,500 RM5,000
3RM500
5 Cancer Marker 1 Cancer Screening -AFP
Cancer Marker Screening Every Year
Screening Liver Related Cancer

5
Worldwide USD1,000,000 USD1,000,000
24
Scenario A:
Customer Have Existing Medical Card: RM50,000
Customer Join SmartMedi Deductible VIP 350: RM650,000 per disability
Deductible Per disability: RM5,000
SmartMedi
Deductible VIP
350:
RM650,000
Cost of Illness
Cancer (A) Cancer (A) Cancer (A)

RM200,000 RM150,000 RM150,000
Existing Medical Existing Medical

Coverage Coverage
RM50,000 RM50,000

Scenario B:
Customer Have Existing COMPANY Coverage: RM20,000
SmartMedi
Deductible VIP
350:
RM650,000
Cost of Illness

RM200,000 RM180,000 RM180,000
Existing Existing
Company Company
Coverage Coverage
RM20,000 RM20,000
Scenario C:
Customer DONT have Medical Card
SmartMedi
Deductible VIP
350:
RM650,000
Cost of Illness

RM200,000 RM195,000 RM195,000
Self pay Self pay

RM5,000 RM5,000
SmartMedi Deductible
Description
350-D
Room & Board
RM350

Overall Annual Limit RM450,000

Limit Per disability
RM150,000

Deductible Per disability
RM5,000

Example:
46 years old RM62.13
per month
SmartMedi & SmartMedi Deductible:
Annual premium rate is non-guaranteed and will be revised every after three years.
Room & Board Limit
RM350
Limit Per Disability
RM650,000
Effective Revision SmartMedi VIP 350
Year Age Room & Board
Date (Limit Per Disability)
1 40 1/7/2015 RM350 RM650,000
2 41 1/7/2016 RM350 RM650,000
3 42 1/7/2017 RM350 RM650,000
4 43 1/7/2018 RM385 RM715,000
5 44 1/7/2019 RM385 RM715,000
6 45 1/7/2020 RM385 RM715,000
7 46 1/7/2021 RM420 RM780,000
8 47 1/7/2022 RM420 RM780,000
9 48 1/7/2023 RM420 RM780,000
10 49 1/7/2024 RM455 RM845,000
11 50 1/7/2025 RM455 RM845,000
12 51 1/7/2026 RM455 RM845,000
13 52 1/7/2027 RM490 RM910,000
14 53 1/7/2028 RM490 RM910,000
15 54 1/7/2029 RM490 RM910,000
16 55 1/7/2030 RM525 RM975,000
17 56 1/7/2031 RM525 RM975,000
18 57 1/7/2032 RM525 RM975,000
19 58 1/7/2033 RM560 RM1,040,000
20 59 1/7/2034 RM560 RM1,040,000
21 60 1/7/2035 RM560 RM1,040,000
22 61 1/7/2036 RM595 RM1,105,000
23 62 1/7/2037 RM595 RM1,105,000
24 63 1/7/2038 RM595 RM1,105,000
25 64 1/7/2039 RM630 RM1,170,000
26 65 1/7/2040 RM630 RM1,170,000
27 66 1/7/2041 RM630 RM1,170,000
28 67 1/7/2042 RM665 RM1,235,000
29 68 1/7/2043 RM665 RM1,235,000
30 69 1/7/2044 RM665 RM1,235,000
31 70 1/7/2045 RM700 RM1,300,000
32 71 1/7/2046 RM700 RM1,300,000
33 72 1/7/2047 RM700 RM1,300,000
34 73 1/7/2048 RM735 RM1,365,000
35 74 1/7/2049 RM735 RM1,365,000
36 75 1/7/2050 RM735 RM1,365,000
37 76 1/7/2051 RM770 RM1,430,000
38 77 1/7/2052 RM770 RM1,430,000
39 78 1/7/2053 RM770 RM1,430,000
40 79 1/7/2054 RM805 RM1,495,000
41 80 1/7/2055 RM805 RM1,495,000
42 81 1/7/2056 RM805 RM1,495,000
43 82 1/7/2057 RM840 RM1,560,000
44 83 1/7/2058 RM840 RM1,560,000
45 84 1/7/2059 RM840 RM1,560,000
46 85 1/7/2060 RM875 RM1,625,000
47 86 1/7/2061 RM875 RM1,625,000
48 87 1/7/2062 RM875 RM1,625,000
49 88 1/7/2063 RM910 RM1,690,000
50 89 1/7/2064 RM910 RM1,690,000
51 90 1/7/2065 RM910 RM1,690,000
52 91 1/7/2066 RM945 RM1,755,000
53 92 1/7/2067 RM945 RM1,755,000
54 93 1/7/2068 RM945 RM1,755,000
55 94 1/7/2069 RM980 RM1,820,000
56 95 1/7/2070 RM980 RM1,820,000
57 96 1/7/2071 RM980 RM1,820,000
58 97 1/7/2072 RM1,015 RM1,885,000
59 98 1/7/2073 RM1,015 RM1,885,000
60 99 1/7/2074 RM1,015 RM1,885,000
61 100 1/7/2075 RM1,050 RM1,950,000
62 101 1/7/2076 RM1,050 RM1,950,000
63 102 1/7/2077 RM1,050 RM1,950,000
64 103 1/7/2078 RM1,085 RM2,015,000
65 104 1/7/2079 RM1,085 RM2,015,000
66 105 1/7/2080 RM1,085 RM2,015,000
67 106 1/7/2081 RM1,120 RM2,080,000
68 107 1/7/2082 RM1,120 RM2,080,000
69 108 1/7/2083 RM1,120 RM2,080,000
70 109 1/7/2084 RM1,155 RM2,145,000
71 110 1/7/2085 RM1,155 RM2,145,000
72 111 1/7/2086 RM1,155 RM2,145,000
73 112 1/7/2087 RM1,190 RM2,210,000
74 113 1/7/2088 RM1,190 RM2,210,000
75 114 1/7/2089 RM1,190 RM2,210,000
76 115 1/7/2090 RM1,225 RM2,275,000
77 116 1/7/2091 RM1,225 RM2,275,000
78 117 1/7/2092 RM1,225 RM2,275,000
79 118 1/7/2093 RM1,260 RM2,340,000
80 119 1/7/2094 RM1,260 RM2,340,000
81 120 1/7/2095 RM1,260 RM2,340,000
82 121 1/7/2096 RM1,295 RM2,405,000
83 122 1/7/2097 RM1,295 RM2,405,000
84 123 1/7/2098 RM1,295 RM2,405,000
85 124 1/7/2099 RM1,330 RM2,470,000
86 125 1/7/2100 RM1,330 RM2,470,000
87 126 1/7/2101 RM1,330 RM2,470,000
88 127 1/7/2102 RM1,365 RM2,535,000
89 128 1/7/2103 RM1,365 RM2,535,000
90 129 1/7/2104 RM1,365 RM2,535,000
91 130 1/7/2105 RM1,400 RM2,600,000
92 131 1/7/2106 RM1,400 RM2,600,000
93 132 1/7/2107 RM1,400 RM2,600,000
94 133 1/7/2108 RM1,435 RM2,665,000
95 134 1/7/2109 RM1,435 RM2,665,000
96 135 1/7/2110 RM1,435 RM2,665,000
97 136 1/7/2111 RM1,470 RM2,730,000
98 137 1/7/2112 RM1,470 RM2,730,000
99 138 1/7/2113 RM1,470 RM2,730,000
100 139 1/7/2114 RM1,505 RM2,795,000
500 350
5 Cancer Marker
5
USD1,000,000 USD1,000,000
Worldwide 24

Senior Citizen: Senior Citizen:
Discount RM400 Discount RM400
(Every Person & Every Year) (Every Person & Every Year)
Principal : Normal Price Spouse Discount : RM200 (Every Year)
Children : Discount RM50 (Every Child & Every Year)

Senior Citizen (Age46-55): Senior Citizen (Age46-55):
RM116.19 RM116.9
average per month average per month
(Normal Price: (Normal Price:
RM151.53 per month) RM151.53 per month)
Principal (Age 26-35): RM121.85 Spouse (Age 26-35):

average per month RM104.18
average per month
(Normal Price: RM121.85 per month)
Children : RM73.35 average per month per person (Normal Price: RM77.77 per month)
Deductible 500 Deductible 350
Deductible Per disability RM7,500 RM5,000
5 Cancer Marker
5
USD1,000,000 USD1,000,000
Worldwide 24

Senior Citizen (Age46-55): Senior Citizen (Age46-55):
Senior Citizen Program
RM62.13 RM62.13
Principal (Age 26-35): Spouse (Age 26-35):

RM121.85 RM104.18
(Normal Price: RM121.85 per month)
Children : RM73.35 average per month per person (Normal Price: RM77.77 per month)
SmartMedi 3 Generations Family Program
1. Principal Program = Normal price
2. Spouse Program = RM200 Discount
3. Parents / Parents In Law = RM400 Discount per person
4. Junior Program = RM50 Discount per person
Benefits Silver Gold
Personal
RM100,000 RM200,000
Accident
36 Critical Illness RM50,000 RM100,000
Term Life RM50,000 RM100,000
Monthly Fee RM35.74 RM60.87

Membership Fee inclusive of Program Fee & Insurance premium.
Xtra Silver Xtra Gold
Age Silver Company X Gold Company X
25 RM428.88 RM398 RM730.44 RM796

30 RM428.88 RM486 RM730.44 RM972
35 RM428.88 RM542 RM730.44 RM1,084
40 RM428.88 RM749 RM730.44 RM1,498
45 RM428.88 RM1,108 RM730.44 RM2,216
50 RM428.88 RM1,694 RM730.44 RM3,388
SmartMedi SmartMedi
SmartMedi 350 SmartMedi SmartMedi 350 SmartMedi 500 350 500
(Principal) 500 (Principal) (Spouse & Junior) (Spouse & Junior) (Senior (Senior
Description
Citizen) Citizen)
Adult Junior Adult Junior Spouse Junior Spouse Junior Adult Adult
Family Discount RM200 RM50 RM200 RM50 RM400 RM400
Normal Price Normal Price
(Every Year) Discount Discount Discount Discount Discount Discount
SFA Commission RM350 RM100 RM400 RM125 RM350 RM100 RM400 RM125 RM230 RM230
SFA Incentive
RM100 RM30 RM100 RM30 RM30 RM10 RM30 RM10
(New Case)
SFA Incentive
RM50 RM15 RM50 RM15 RM15 RM5 RM15 RM5
(Renewal Case)
SmarMedi Deductible 350D SmartMedi Deductible 500D

Description Junior Junior
Adult Spouse (Principal) Junior Senior Adult Spouse (Principal) Junior Senior
Family Discount RM200 RM50 RM400 Normal RM200 RM50 RM400
Normal Price Normal Price Normal Price
(Every Year) Discount Discount Discount Price Discount Discount Discount
SFA Commission RM300 RM300 RM100 RM100 RM130 RM300 RM300 RM100 RM100 RM130
Benefits Silver Gold
SFA Commission RM75 RM100


SFA SmartMedi 2.0 (15-03-2016)

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Special Distribute By: Program Manager:

Standard Financial Adviser Sdn Bhd MXM International Sdn Bhd

Personal Accident Worldwide

Special Distribute By: Program Manager:

Special Distribute By: Program Manager:

Special Distribute By: Program Manager:

Special Distribute By: Program Manager:

Repatriation of Mortal Remains:

Special Distribute By: Program Manager:

Health Screening 52 Tests Every Year 52 Tests Every Year

Special Distribute By: Program Manager:

2 Number Of Private Hospitals 83 92 76

Insurance Premium Based On Brochure

Registered & Approved Corporate Insurance Agency: Program Manager:

2 Number Of Private Hospitals 83 92 76 119

Insurance Premium Based On Brochure

Private & General Hospitalisation Cash Benefit

2 Number Of Private Hospitals 83 92 76 119

Insurance Premium Based On Brochure

Hospitalization & Surgical Insurance

Health Screening 52 Tests Every Year 52 Tests Every Year

Special Distribute By: Program Manager:

Hospitalization & Surgical Insurance

Room & Board RM500 RM350

Deductible Per disability Increase RM500 RM7,500 RM5,000

AAN - Emergency Medical Assistance

Cancer (A) Cancer (A) Cancer (A)

Existing Medical Existing Medical

Special Distribute By: Program Manager:

Cancer (A) Cancer (A) Cancer (A)

Cancer (A) Cancer (A) Cancer (A)

Self pay Self pay

Special Distribute By: Program Manager:

Principal : Normal Price Spouse Discount : RM200 (Every Year)

Children : Discount RM50 (Every Child & Every Year)

Principal (Age 26-35): RM121.85 Spouse (Age 26-35):

Special Distribute By: Program Manager:

Principal (Age 26-35): Spouse (Age 26-35):

Term Life RM50,000 RM100,000

Monthly Fee RM35.74 RM60.87

25 RM428.88 RM398 RM730.44 RM796

SmarMedi Deductible 350D SmartMedi Deductible 500D

Benefits Silver Gold

SFA Commission RM75 RM100

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