MediSecureA health plan with guaranteed renewal

up to 80 years old and no lifetime limit.

Do you have a plan

to safeguard your health?

Cancer Cases in Malaysia ›

2008 : 32,0002012 : 37,400Cancer cases are projected to increase by 75% in the next 20 years worldwide.

Source: The Star Online, “Rise in cancer deaths in M’sia”, 18 February 2014.

Starting March 2014, the Malaysian Health Ministry approved the increase of private medical fees to a maximum of ›

14.4%. Source: The Malaysian Insider, “Healthcare costs biggest worry for Malaysians after retirement, survey shows”, 24 May 2014.

Average Cost of Haemodialysis (Kidney) Treatment ›

RM250 per dialysis Depending on the severity of the condition and type of treatment, some kidney patients may need to get dialysis a few times a week.

Source: The Star Online, “Dialysis subsidy drying up”, 8 November 2013. Healthcare costs in

Malaysia increase by an average of ›

10%every year. Source: The Star Online, “Healthcare costs rise and rise”, 5 July 2009.

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How MediSecure can help you prepare for the unexpected?As a health plan, MediSecure provides comprehensive coverage with the following benefits ›

Continue to Enjoy Coverage Up To 80 Years Old (Age at Next Birthday)

Your plan is guaranteed to be renewed on a yearly basis, at your option. There will not be any additional terms added on to your renewed policy.

Get Peace of Mind with No Lifetime Limit

You can claim up to your Overall Annual Limit every year and continue to enjoy MediSecure’s benefits during the entire time you are covered. This way, you can focus on bouncing back from any unfortunate event.

A Range of Coverage Plans to Suit Your Needs

Refer table below.

No Co-payment on Your Hospitalisation Fees

During hospitalisation, if you stay in a room that costs more but is in the same room category as in your MediSecure plan, you only need to pay the differences in the room and board charges. However, if you stay in a better room category that costs more than your Room and Board Limit, you will need to bear 20% of the applicable fees incurred during your stay.

For instance, Zaid has the Medi280 plan with an Overall Annual Limit of RM150,000. When he was hospitalised for dengue fever, he chose to stay in a room that was categorised as “Basic Single-Bedded” but the rate was RM300. Therefore, he just paid RM20 for the extra cost of the room as his Room and Board Limit is RM280.

If he had opted to upgrade to a “Upgraded Single-Bedded” room that cost RM400, co-payment would have been activated and he would have to pay the extra RM120 for his room (RM400 – RM280) plus 20% of the fees for his doctor’s visits, medical report, treatment and any other fees incurred during his stay that is covered in the Schedule of Benefits (refer to page 6 and 7).

Plans Medi500 Medi380 Medi280 Medi180 Medi130

Overall Annual Limit (RM) 300,000 200,000 150,000 100,000 75,000

Hospital Room and Board Limit Per Day (RM)

500 380 280 180 130

Room Category Basic Suite

Upgraded Single-Bedded

BasicSingle-Bedded

Double-Bedded Four-Bedded

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Peace of Mind for A Lifetime

Life’s unpredictability can make it wonderful and exciting, and challenging at the same time. That is why, it is important to be ready for the unexpected events in life so you can ease the uncertainties and bounce back from any setbacks.

As the Malay saying goes, “sediakan payung sebelum hujan”, which literally means preparing an umbrella before it rains – MediSecure can be that plan to safeguard your health so if anything unfortunate happens, you’ll be glad to know that you’re covered and your loved ones won’t be financially burdened.

Higher Entry Age Up To 65 Years Old (Age at Next Birthday)

You can still sign up for MediSecure in your golden years and enjoy the benefits.

Be Rewarded When You’re Healthy

Gain 10% No Claim Bonus on your Initial Overall Annual Limit at the end of every renewal year (up to five years), if you make no claims. As a result, you can get a higher Overall Annual Limit for the times when you need it.

Hassle-free Admission

Just present your MediSecure card at any of our participating hospitals to initiate admission. If the admitting condition is a covered condition, you only need to pay the non-payable charges (if any) upon discharge. Cashless admission is not available for policies with Deductible.

Worldwide Coverage

Wherever you are, you can rest assured you are protected under MediSecure at all times.

Conveniently Pay for Your Premiums Using Our Instalment Payment Plan

You can pay by 6-month or 12-month instalments via selected credit cards with 0% interest. However, it is not applicable for corporate policyholders.

Enjoy Discounts on Your Annual Premium

If you choose to add a Deductible to your plan, you are entitled to the following discounts:

Automatic Renewal Option

Premiums can be automatically deducted from your credit card so you don’t have to worry about forgetting to pay or your policy lapsing.

Top Up Benefits with Additional Premium (Additional Limit on Top of The Overall Annual Limit):

› Annual Outpatient Kidney Dialysis Treatment

› Annual Outpatient Cancer Treatment› Second Surgical Opinion› Annual Outpatient Physiotherapy

/ Stroke Treatment› Home Nursing Care› Emergency Sickness Treatment› Accidental Outpatient Alternative

Medical Treatment› International Emergency Medical

Evacuation and Repatriation

Extra Benefits for Medi500 and Medi380 Plans at No Charge (Additional Limit on Top of The Overall Annual Limit):

› Hospital Income› Critical Illness Benefit› Bereavement Allowance

Get More Savings

MediSecure entitles you to a tax relief of up to RM3,000.

Deductible Amount (RM) Per Insured Person Per Year

Discount on Annual Premium

3,000 10%

5,000 20%

10,000 35%

15,000 45%

20,000 50%

ExampleYour age (age at next birthday): 30

Gender: Female

MediSecure plan: Medi280

Annual Premium: RM799 (inclusive of GST)

Deductible amount: RM5,000

Discount on Annual Premium: 20%

RM799 x 20% = RM159.80RM799 – RM159.80 = RM639.20

So now, you only need to pay RM639.20 (inclusive of GST) for your Annual Premium but will have to settle the first RM5,000 (Deductible amount) in any claim while MediSecure covers the remaining cost. Find out more about Deductibles on the Frequently Asked Questions section on page 12 and 13.

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Schedule of BenefitsBenefit Plans (RM)

Medi500 Medi380 Medi280 Medi180 Medi130

Type of Benefits (Per Disability)

Section 1: Inpatient / Day care / Outpatient Benefits

Overall Annual Limit (For Section 1 only) 300,000 200,000 150,000 100,000 75,000

Hospital Room and Board (daily, up to 180 days) 500 380 280 180 130

Room Category Basic Suite

Upgraded Single-Bedded*

Basic Single-Bedded** Double-Bedded Four-Bedded

› Intensive Care Unit / Critical Care Unit / High Dependency Unit (daily, up to 60 days)› Hospital Supplies and Services› Surgical Fees› Anaesthetist Fee› Operating Theatre› In-Hospital Physician Visit (2 visits daily, up to 180 days)› Pre-Hospital Specialist Consultation (within 60 days preceding hospital confinement)› Pre-Hospital Diagnostic Tests (within 60 days preceding hospital confinement)› Post-Hospitalisation Treatment (within 60 days from discharge)› Organ Transplant (Kidney, Heart, Lung, Liver or Bone Marrow) (payment is limited to once per lifetime) › Day Surgery› Annual Outpatient Kidney Dialysis Treatment› Annual Outpatient Cancer Treatment› Ambulance Fees (local road transport only)› Emergency Accidental Outpatient Treatment (within 24 hours from Accident, up to 45 days follow-up treatment)› Emergency Accidental Outpatient Dental Treatment (within 24 hours from Accident, up to 30 days follow-up treatment)

As charged subject to Overall Annual Limit

Medical Report Fees As charged up to maximum 100 per admission

Daily Cash Allowance at Malaysian Government Hospital (up to 180 days) 150 150 150 150 150

Section 2: Extra Benefits (Additional Limit on Top of The Overall Annual Limit)

Hospital Income – payable if the Insured Person is hospitalised for a covered disability (daily, up to 45 days) 50 50 Not Applicable Not Applicable Not Applicable

Critical Illness Benefit – pays a lump sum if diagnosed with cancer, coronary artery bypass surgery, heart attack, kidney failure, motor neurone disease, multiple sclerosis, Parkinson’s Disease or stroke and survive for more than 14 days after diagnosis (payment is limited to once per lifetime)

10,000 10,000 Not Applicable Not Applicable Not Applicable

Bereavement Allowance – pays a lump sum if death occurs within 6 months from the date of a covered Accident 5,000 5,000 Not Applicable Not Applicable Not Applicable

Section 3: Top Up Benefits with Additional Premium (Additional Limit on Top of The Overall Annual Limit)

Annual Outpatient Kidney Dialysis Treatment 50,000 50,000 50,000 35,000 25,000

Annual Outpatient Cancer Treatment 50,000 50,000 50,000 35,000 25,000

Second Surgical Opinion (within 45 days preceding hospital confinement) 2,000 1,000 500 400 300

Annual Outpatient Physiotherapy / Stroke Treatment (within 90 days from discharge) 7,500 5,000 4,000 2,500 1,500

Home Nursing Care (daily, up to 90 days from discharge) 200 200 150 150 100

Emergency Sickness Treatment (between 12 midnight to 6am) 200 200 200 100 100

Accidental Outpatient Alternative Medical Treatment – expenses for traditional treatment for a covered injury and follow-up treatment up to 14 days from date of accident provided the first treatment is received at a registered hospital or clinic within 24 hours following the Accident

100 per visit, up to 1,000 per policy year

International Emergency Medical Evacuation and Repatriation (per year) 300,000 150,000 100,000 100,000 100,000

Note: (a) Please refer to pages 14-15 and the actual Policy Contract for more information on each of the Benefits above.

(b) Goods and Services Tax (GST) levied on all eligible paid expenses is payable, subject to the Overall Annual Limit.

The Benefits you can get under MediSecure

*Upgraded Single-Bedded refers to any single-bedded room which the rates are higher than the Basic Single-Bedded room in the Hospital.

**Basic Single-Bedded refers to the lowest rate for a single-bedded room in the Hospital.

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Age Group(Age at Next Birthday)

Annual Premium Table (RM)(Inclusive of GST) - For Individual Policyholders

Male Female

Medi500 Medi380 Medi280 Medi180 Medi130 Medi500 Medi380 Medi280 Medi180 Medi130

1 – 5 1,119 1,019 809 709 619 909 839 669 579 509

6 – 10 1,019 929 739 649 559 839 769 609 539 469

11 – 15 889 819 649 569 499 749 689 549 479 419

16 – 20 999 909 709 619 539 919 839 659 569 499

21 – 25 999 919 709 619 539 969 889 689 599 519

26 – 30 1,149 1,039 799 699 609 1,129 1,029 799 699 599

31 – 35 1,149 1,049 799 699 599 1,169 1,069 819 719 619

36 – 40 1,409 1,279 959 839 719 1,459 1,329 1,009 879 749

41 – 45 1,759 1,599 1,199 1,039 889 1,839 1,659 1,269 1,099 939

46 – 50 2,149 1,949 1,449 1,259 1,069 2,229 2,009 1,519 1,319 1,119

51 – 55 2,819 2,539 1,899 1,639 1,389 2,879 2,589 1,969 1,709 1,449

56 – 60 3,549 3,189 2,359 2,039 1,729 3,559 3,199 2,419 2,089 1,769

61 – 65 5,479 4,909 3,679 3,179 2,679 5,449 4,869 3,709 3,209 2,699

66 – 70 (for renewal only) 6,699 5,989 4,479 3,859 3,239 6,579 5,869 4,459 3,849 3,229

71 – 75 (for renewal only) 8,469 7,569 5,659 4,879 4,089 8,209 7,329 5,579 4,809 4,029

76 – 80 (for renewal only) 11,369 10,159 7,619 6,569 5,499 10,919 9,739 7,429 6,399 5,369

Safeguard your health from premium as low as RM419 (inclusive of GST) per yearYou only need to pay the following Annual Premium to enjoy the benefits of MediSecure (for Section 1 and Section 2 only) ›

Top Up Benefits with additional premium (Section 3) ›

Age Group(Age at Next Birthday)

Additional Annual Premium Table (RM)(Inclusive of GST) - For Individual Policyholders

Male Female

Medi500 Medi380 Medi280 Medi180 Medi130 Medi500 Medi380 Medi280 Medi180 Medi130

1 – 5 95 81 73 54 41 95 81 73 54 41

6 – 10 95 81 73 54 41 95 81 73 54 41

11 – 15 95 81 73 54 41 95 81 73 54 41

16 – 20 112 94 86 64 49 112 94 86 64 49

21 – 25 135 113 104 77 59 135 113 104 77 59

26 – 30 164 138 126 93 72 164 138 126 93 72

31 – 35 201 170 155 114 88 201 170 155 114 88

36 – 40 261 220 200 148 113 261 220 200 148 113

41 – 45 322 271 247 183 140 322 271 247 183 140

46 – 50 405 341 311 231 176 405 341 311 231 176

51 – 55 491 413 376 279 213 491 413 376 279 213

56 – 60 655 552 504 373 285 655 552 504 373 285

61 – 65 769 647 590 438 334 769 647 590 438 334

66 – 70 (for renewal only) 953 802 731 543 414 953 802 731 543 414

71 – 75 (for renewal only) 1,182 995 907 672 514 1,182 995 907 672 514

76 – 80 (for renewal only) 1,465 1,234 1,126 834 637 1,465 1,234 1,126 834 637

Optional levels of Deductible to suit your needs ›

Deductible Amount (RM) Per Insured Person Per Year

Discount on Annual Premium

3,000 10%

5,000 20%

10,000 35%

15,000 45%

20,000 50%

Enjoy Discounts on Your Premium

8 9

Age Group(Age at Next Birthday)

Annual Premium Table (RM)(Inclusive of GST) - For Corporate Policyholders

Male Female

Medi500 Medi380 Medi280 Medi180 Medi130 Medi500 Medi380 Medi280 Medi180 Medi130

1 – 5 1,029 939 739 649 569 839 769 609 539 469

6 – 10 929 849 679 589 519 769 709 559 489 429

11 – 15 819 749 589 519 459 689 639 499 439 389

16 – 20 909 829 649 569 489 839 769 599 529 459

21 – 25 919 839 649 569 489 889 809 629 549 479

26 – 30 1,049 959 739 649 559 1,029 939 729 639 549

31 – 35 1,049 959 729 639 549 1,069 979 749 659 569

36 – 40 1,289 1,169 879 769 659 1,339 1,219 929 809 689

41 – 45 1,619 1,469 1,099 959 819 1,679 1,519 1,159 1,009 859

46 – 50 1,979 1,779 1,329 1,149 979 2,039 1,839 1,399 1,209 1,029

51 – 55 2,579 2,329 1,739 1,509 1,279 2,639 2,379 1,809 1,559 1,329

56 – 60 3,249 2,929 2,169 1,869 1,579 3,269 2,929 2,219 1,919 1,619

61 – 65 5,029 4,499 3,379 2,919 2,449 4,999 4,469 3,399 2,939 2,469

66 – 70 (for renewal only) 6,139 5,489 4,109 3,539 2,969 6,029 5,379 4,089 3,529 2,959

71 – 75 (for renewal only) 7,759 6,939 5,189 4,469 3,749 7,529 6,719 5,109 4,409 3,699

76 – 80 (for renewal only) 10,429 9,309 6,989 6,019 5,049 10,009 8,929 6,809 5,869 4,919

Annual Premium for Corporate PolicyholdersEnjoy lower premium when you buy MediSecure under a registered company (for Section 1 and Section 2 only) ›

Top Up Benefits with additional premium (Section 3) ›

Age Group(Age at Next Birthday)

Additional Annual Premium Table (RM)(Inclusive of GST) - For Corporate Policyholders

Male Female

Medi500 Medi380 Medi280 Medi180 Medi130 Medi500 Medi380 Medi280 Medi180 Medi130

1 – 5 87 74 67 50 38 87 74 67 50 38

6 – 10 87 74 67 50 38 87 74 67 50 38

11 – 15 87 74 67 50 38 87 74 67 50 38

16 – 20 103 86 79 58 45 103 86 79 58 45

21 – 25 123 104 95 71 54 123 104 95 71 54

26 – 30 151 126 116 86 66 151 126 116 86 66

31 – 35 185 155 142 105 81 185 155 142 105 81

36 – 40 239 202 184 136 104 239 202 184 136 104

41 – 45 295 249 226 168 128 295 249 226 168 128

46 – 50 371 313 285 212 161 371 313 285 212 161

51 – 55 450 379 345 256 195 450 379 345 256 195

56 – 60 600 506 462 342 261 600 506 462 342 261

61 – 65 704 593 541 401 306 704 593 541 401 306

66 – 70 (for renewal only) 874 736 670 497 380 874 736 670 497 380

71 – 75 (for renewal only) 1,083 912 832 616 471 1,083 912 832 616 471

76 – 80 (for renewal only) 1,343 1,131 1,032 765 584 1,343 1,131 1,032 765 584

Optional levels of Deductible to suit your needs ›

Deductible Amount (RM) Per Insured Person Per Year

Discount on Annual Premium

3,000 10%

5,000 20%

10,000 35%

15,000 45%

20,000 50%

Enjoy Discounts on Your Premium

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Eligibility

Q › Who is eligible to apply?A › Anyone aged between 18 and 65

years, who is Malaysian Citizens or Permanent Residents of Malaysia, and permanently residing in Malaysia.

Q › Who is eligible for cover?A › Proposer and his/her legal spouse

aged between 18 and 65 years, renewable up to 80 years. Unmarried and unemployed child(ren) who have attained the age of 30 days old but under 19 years of age, or up to 23 years if they are still full time student(s) at a recognised educational institution. The legal spouse and/or child(ren) must also be Malaysian Citizens or Permanent Residents of Malaysia, and permanently residing in Malaysia.

Q › Can the child(ren) be covered under this Policy without the parent?

A › No, child(ren) between the ages of 30 days and 17 years must be enrolled together with at least one of their parents.

Purchasing MediSecure

Q › How can I sign up for MediSecure?A › Just complete the Proposal Form and

submit to Lonpac Insurance or our authorised agent together with the full premium.

Q › Do I need to have a medical examination before signing up for MediSecure?

A › No, unless it is specifically requested by the Company for health evaluation. However, if you are between 61 to 65 years old, you need to have an Executive Screening and Full Blood Test done and submit together with the Proposal Form to us for risk evaluation. Expenses incurred for such request shall be borne by you.

Q › Who do I call for more information about MediSecure?

A › You may contact Lonpac Insurance (refer to page 40) or our authorised agent for assistance before you sign up the MediSecure.

Product Feature

Q › What is a deductible?A › You have an option to purchase this

policy with a deductible in return for a reduction of premium. A deductible is the amount that you are willing to bear for the eligible medical expenses payable under the policy. For example, if the payable amount is RM10,000 and you have chosen RM3,000 deductible, you will have to pay the first RM3,000 and Lonpac Insurance will pay the balance of RM7,000. The deductible amount is on per person per year basis and does not apply to Critical Illness benefit, Bereavement Allowance, Emergency Sickness Treatment and International Emergency Medical Evacuation and Repatriation. You may select different levels of deductible for each Insured Person.

Coverage

Q › Will I be covered while overseas?A › Yes, up to ninety (90) consecutive

days from the day you leave Malaysia. However, you will be subjected to the Reasonable and Customary and Medically Necessary Charges, and Overseas Treatment Condition.

Payment and Making Claims

Q › How do I make a reimbursement claim?A › Just notify Lonpac Insurance within

thirty (30) days of any claim and submit the claim form, original itemised bills, receipts and other relevant documents.

Q › Can I pay the premium by instalment?A › You can sign up for our Instalment

Payment Plan and pay your premiums in 6- or 12-month instalments by using your credit card (Visa or MasterCard for selected banks). Annual premiums can also be paid via credit card, cheque or cash. Monthly instalments are not applicable for corporate policyholders.

Changes and Cancellations

Q › What do I need to do if there are changes to my contact/personal details?

A › It is important that you inform Lonpac’s Customer Service or your agent of any change in your life profile including your occupation and personal pursuits which would affect the risk profile.

Q › How can I cancel my Policy?A › You may cancel your policy at any

time by giving a written notice to us. Upon cancellation, you are entitled to a certain amount of refund of the premium for the unexpired paid period from the date of cancellation provided that you have not made a claim on the Policy.

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Frequently Asked Questions (FAQs)

Hospital Room and Board

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary daily room accommodation and meals during confinement as an in-patient up to 180 days.

Intensive Care Unit / Critical Care Unit / High Dependency Unit

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary daily room and board as an in-patient in the Intensive Care Unit / Critical Care Unit / High Dependency Unit of the Hospital up to 60 days.

Hospital Supplies and Services

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary general nursing, prescribed and consumed drugs and medicines, dressings, splints, plaster casts, X-ray, laboratory examinations, electrocardiograms, physiotherapy, basal metabolism tests, intravenous injections and solutions, administration of blood and blood plasma but excluding the cost of blood and plasma, during confinement as an in-patient.

Surgical Fees

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary surgery performed, pre-surgical assessment, Specialist's visits and post-surgery care up to the maximum of 60 days from the date of surgery.

Anaesthetist Fee

Reimbursement of the Reasonable and Customary Charges incurred for the Medically Necessary administration of anaesthesia.

Operating Theatre

Reimbursement of the Reasonable and Customary Charges incurred for the Medically Necessary usage of an operating theatre incidental to the surgical procedure.

In-Hospital Physician Visit

Reimbursement of the Reasonable and Customary Charges incurred by the Physician for Medically Necessary visiting an in-paying patient while confined for a non-surgical disability subject to a maximum of 2 visits per day and up to 180 days.

Pre-Hospital Specialist Consultation

Reimbursement of the Reasonable and Customary Charges incurred by the Specialist for the first time consultation, provided that such consultation is Medically Necessary and has been recommended by a general practitioner in writing within 60 days preceding hospital confinement. Payment will not be made for clinical treatment (including medications and subsequent consultations after the illness is diagnosed), or where the Insured Person does not result in hospital confinement for the treatment of the medical condition diagnosed.

Pre-Hospital Diagnostic Tests

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary diagnostic tests, which are recommended by a qualified medical practitioner within 60 days preceding hospital confinement. No payment will be made if upon such diagnosis, the Insured Person does not result in hospital confinement for the treatment of the medical condition diagnosed.

Post-Hospitalisation Treatment

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary follow-up treatment by the same Attending Physician within 60 days following discharge from hospital for a non-surgical disability. This excludes physiotherapy, which is performed on an outpatient basis.

Organ Transplant

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary transplantation surgery for the Insured Person being the recipient of the transplant of a kidney, heart, lung, liver or bone marrow. Payment is limited to once per lifetime.

Day Surgery

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary professional fees, including all incidental costs, services and supplies for a minor day surgery procedure performed as an outpatient without hospitalisation, inclusive of pre-daycare visits and post-daycare visits relating to the day surgery performed in the hospital.

Annual Outpatient Kidney Dialysis Treatment

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary treatment of kidney dialysis at a legally registered dialysis centre due to end-stage renal failure following discharge from hospital.

Annual Outpatient Cancer Treatment

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary treatment of cancer performed at the outpatient department of a hospital or a registered cancer treatment centre following discharge from hospital.

Ambulance Fees

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary domestic ambulance services (road transport only, inclusive of attendant) for transporting the Insured Person to and from hospital. Payment will not be made if the Insured Person is not hospitalised.

Summary of The Benefits

Emergency Accidental Outpatient Treatment

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary services and medical supplies provided by the hospital or clinic for emergency treatment of bodily injury as a result of a covered Accident and received as an outpatient within 24 hours of the Accident. Follow-up treatment is up to 45 days of the Accident administered by the same Physician or same registered clinic or hospital for the same covered bodily injury.

Emergency Accidental Outpatient Dental Treatment

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary treatment of accidental injuries to sound natural teeth within 24 hours of the Accident. Follow-up treatment is up to 30 days of the Accident administered by the same Dentist at the same registered clinic or hospital for the same covered bodily injury.

Medical Report Fees

Reimbursement of the Reasonable and Customary Charges for the completion of the medical report by the attending Physician or Surgeon of a covered Disability.

Daily Cash Allowance at Malaysian Government Hospital

Pay a daily allowance for each full day of hospital confinement at a Malaysian Government Hospital up to 180 days, provided that the Insured is confined to a Room and Board rate that does not exceed the amount shown in the Schedule of Benefits.

Hospital IncomePay a daily allowance for each full day up to 45 days, if the Insured Person is confined to hospital for a covered Disability.

Critical Illness Benefit

Pay a lump sum if the Insured Person is diagnosed with cancer, coronary artery bypass surgery, heart attack, kidney failure, motor neurone disease, multiple sclerosis, Parkinson’s disease or stroke as defined in the Policy. This benefit is payable upon a survival period of more than 14 days after the diagnosis. Payment is limited to once per lifetime.

Bereavement Allowance

Pay a lump sum if death of an Insured Person resulting from a Covered Accident. Death shall be established by an official Death Certificate.

Second Surgical Opinion

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary consultation or opinion with the second specialist to determine whether a surgical operation is necessary or required in view of the Insured Person’s medical condition. Payment will not be made if the Insured Person does not undergo a surgical operation within 45 days from the date of consultation.

Annual Outpatient Physiotherapy / Stroke Treatment

Reimbursement of the Reasonable and Customary Charges for Medically Necessary outpatient physiotherapy / stroke treatment, which is referred in writing by a licensed Specialist/Physician within 90 days after surgery or hospital confinement.

Home Nursing Care

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary services of a registered nurse in the Insured Person’s home for the continued treatment of the specific medical condition for which he/she was diagnosed. Such services must be prescribed by the attending Physician and received within 90 days following discharge from hospital.

Emergency Sickness Treatment

Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary services for the Emergency Sickness Treatment of an illness rendered in a hospital or registered 24-hour clinic and received as an outpatient between the hours of 12 midnight to 6am.

Accidental Outpatient Alternative Medical Treatment

Reimbursement of the Reasonable and Customary Charges incurred for medical expenses for Sinseh or traditional treatment for a Covered Injury and follow-up treatment up to 14 days from date of Accident provided that the first treatment is received at a registered hospital or clinic within 24 hours following the Accident. International Emergency Medical Evacuation and Repatriation

Reimbursement of medically necessary expenses for emergency transportation and medical care to move an Insured Person who has a Critical Medical Condition while outside Malaysia to the nearest hospital where appropriate care and facilities are available.

Reimbursement of the cost of repatriating the Insured Person or the mortal remains back to Malaysia in the event of the Insured Person having suffered a total and permanent disability or death caused by a covered Illness or Accident while outside Malaysia.

Note: Please refer to the actual Policy Contract for detailed descriptions.

14 15

Important Policy Definitions

Pre-existing Illness shall mean disabilities that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:

› the Insured Person had received or is receiving treatment;

› medical advice, diagnosis, care or treatment has been recommended;

› clear and distinct symptoms are or were evident; or

› its existence would have been apparent to a reasonable person in the circumstances.

Specified Illnesses shall mean the following disabilities and its related complications, occurring within the first one-hundred and twenty (120) days of Insurance of the Insured Person:

› Hypertension, diabetes mellitus and cardiovascular disease;

› All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system;

› All ear, nose (including sinuses) and throat conditions;

› Hernias, haemorrhoids, fistulae, hydrocele, varicocele;

› Endometriosis including disease of the Reproduction system;

› Vertebro-spinal disorders (including disc) and knee conditions.

Waiting Period shall mean the first thirty (30) days between the beginning of an Insured Person’s disability and the commencement of this Policy date/ reinstatement date and is applied only when the person is first covered. This shall not be applicable after the first year of cover. However, if there is a break in insurance, the Waiting Period will apply again.

Medically Necessary shall mean a medical service which is:

› consistent with the diagnosis and customary medical treatment for a covered Disability, and

› in accordance with standards of good medical practice, consistent with current standards of professional medical care, and of proven medical benefits, and

› not for the convenience of the Insured or the Physician, and unable to be reasonably rendered out of hospital (if admitted as an inpatient), and

› not of an experimental, investigational or research nature, preventive or screening nature, and

› for which the charges are fair and reasonable and customary for the Disability.

Reasonable and Customary Charges shall mean charges for medical care which is Medically Necessary shall be considered reasonable and customary to the extent that it does not exceed the general level of charges being made by others of similar standing in the locality where the charge is incurred, when furnishing like or comparable treatment, services or supplies to individual of the same sex and of comparable age for a similar sickness, disease or injury and in accordance with accepted medical standards and practice could not have been omitted without adversely affecting the Insured Person’s medical condition.

Overall Annual Limit shall mean benefits payable in respect of expenses incurred for treatment provided to the Insured Person during the Period of Insurance shall be limited to Overall Annual Limits as stated in the Schedule of Benefits irrespective of a type/types of disability. In the event the Overall Annual Limit having been paid, all insurance for the Insured Person hereunder shall immediately cease to be payable for the remaining policy year.

Important Policy Conditions

Upgraded Room and Board Co-payment

If the Insured Person is hospitalised at a Room and Board category that is better and costs higher than his/her eligible benefit, the Insured Person shall bear 20% of the other eligible benefits described in the Schedule of Benefits (refer to page 6 and 7). If the Room and Board is of the same room category but costs higher than his/her eligible benefit, the Insured Person needs to pay the differences in Room and Board only.

Residence Overseas

No benefit whatsoever shall be payable for any medical treatment received by the Insured Person outside Malaysia, if the Insured Person resides or travels outside Malaysia for more than ninety (90) consecutive days.

Overseas Treatment

If the Insured Person seeks treatment overseas, benefits in respect of the treatment shall be covered subject to the exclusions, limitations and conditions specified in this Policy and all benefits will be payable based on the official exchange rate ruling on the last day of the Period of Confinement and shall exclude the cost of transport to the place of treatment provided:

› an Insured Person travelling abroad for a reason other than for medical treatment, needs to be confined to a Hospital outside Malaysia as a consequence of a Medical Emergency;

› an Insured Person upon recommendation of a Physician and has to be transferred to a Hospital outside Malaysia because the specialised nature of the treatment, aid, information or decision required can neither be rendered nor furnished nor taken in Malaysia.

Overseas Treatment of a disease, sickness or injury which is diagnosed in Malaysia and non-emergency or chronic conditions where treatment can reasonably be postponed until return to Malaysia are excluded.

Cooling-off Period

If this Policy shall have been issued and for any reason whatsoever the Insured Person shall decide not to take up the Policy, the Insured Person may return the Policy to the Company for cancellation provided such request for cancellation is delivered by the Insured Person to the Company within fifteen (15) days from the date of delivery of the Policy. The Insured Person is entitled to the return of the full premium paid less deduction of medical expenses incurred by the Company in the issue of the Policy.

Period of Cover and Renewal

This Policy shall become effective as of the date stated in Policy Schedule. The Policy Anniversary shall be one (1) year after the effective date and annually thereafter. On each such anniversary, this Policy is renewable at the premium rates in effect at that time as notified by the Company.

This Policy will be renewable at the option of policyholder subject to the terms, conditions and termination at each of the anniversary of the Policy date.

The renewal premium payable is not guaranteed and the Company reserves the right to revise the premium rate applicable at the time of renewal. Such changes, if any shall be applicable to all policyholders irrespective of their claim experience according to the Company’s risk assessment.

This policy is renewable at the option of policyholder until the occurrence of any of the following:

› Non payment of premium or premium not made on time

› Misstatement or Omission of material fact during application

› The policy is cancelled at the request of the policyholder

› On the death of the Insured Person

› The Insured Person ceases to qualify as a dependant based on the definition of the policy

› The Insured Person attains the coverage age limit specified

› Termination of coverage for all policies in a certain market and the company withdraws this policy completely from the market in accordance with the Portfolio Withdrawal Condition

16 17

Get in touch with us for more informationwww.lonpac.com

Head officeLG, 6th, 7th, 21st to 26th FloorBangunan Public BankNo.6, Jalan Sultan Sulaiman50000 Kuala Lumpur, Malaysia

P.O. Box 1070850722 Kuala Lumpur, Malaysia

T › (03) 2262 8688 / 2723 7888 F › (03) 2715 1332 / 2078 7455 /

2034 2654 / 2715 0722 / 2072 3385 / 2715 0696 / 2723 7886

Branch officesAlor SetarNo. 4 & 5, 2nd FloorNo. 55, Bangunan Emum 55Jalan Gangsa, Kawasan Perusahaan Mergong 2, 05150 AIor Setar, Kedah T › (04) 731 4413 / 731 5854 F › (04) 733 6100

Pulau Pinang Ground & 1st Floor, Wisma Giap ChewNo. 28, Lebuh Gereja10200 PenangT › (04) 261 7998 F › (04) 262 0784

Taiping1st FloorNo. 9, Persiaran Taiping34000 Taiping, PerakT › (05) 809 1666 / 809 1667 F › (05) 809 1668

SitiawanNo. 205 (1st Floor)Jalan Leo Desa Bintang32000 Sitiawan, PerakT › (05) 693 9961 / 693 9962 F › (05) 693 9963

Ipoh36, Jalan Dato Onn Ja’afar30300 lpoh, Perak T › (05) 254 0340 F › (05) 254 2119 / 255 2657

KajangNo. 13-1 & 13-2Jalan KP 1/3Kajang Prima43000 Kajang, SelangorT › (03) 8736 9130 / 8736 9131 / 8736 9132 F › (03) 8736 9135

KlangNo. 2-08, 8th FloorMenara Empire, Jalan EmpayarOff Persiaran Sultan Ibrahim/KU141050 Klang Bandar Diraja, SelangorT › (03) 3341 9133 F › (03) 3341 9233

SerembanNo. 496, Jalan Haruan 4/4Oakland Commercial Centre70300 Seremban, Negeri SembilanT › (06) 601 5677 F › (06) 601 6768

MelakaNo. 7 & 9, Jalan Melaka Raya 11Taman Melaka Raya75000 MelakaT › (06) 282 5169 F › (06) 284 1097 / 282 9018

SegamatNo. 24-A, Jalan Genuang PerdanaTaman Genuang Perdana85000 Segamat, JohorT › (07) 943 6860 / 943 6880 F › (07) 943 6870

Batu Pahat13, Jalan Flora Utama 1Taman Flora Utama83000 Batu Pahat, Johor T › (07) 433 8169 / 433 9169 F › (07) 433 9166

Johor BahruSuite No. 25.03 & 04 25th FloorPublic Bank TowerNo. 19, Jalan Wong Ah Fook80000 Johor Bahru, Johor T › (07) 222 1368 F › (07) 223 0549

KuantanB-62B, 1st FloorLorong Tun Ismail 8 Sri Dagangan II25000 Kuantan, PahangT › (09) 514 4107 / 515 0317 / 516 4428F › (09) 514 5001

Kuala TerengganuLot 5032-BJalan Sultan Zainal Abidin20000 Kuala TerengganuTerengganuT › (09) 622 2088 / 622 2099 F › (09) 622 2123

Kota BharuNo. PT 285, Tingkat 2Jalan Kebun Sultan15300 Kota Bharu, Kelantan T › (09) 744 3166 / 744 3066 F › (09) 744 9948

KuchingLot 258 & 259, Section 49KTLD (1st Floor)Jalan Chan Chin Ann93100 Kuching, SarawakT › (082) 428 529 F › (082) 424 512

SibuNo. 4 & 6, 1st FloorLorong Pedada 20A96000 Sibu, SarawakT › (084) 313 823 / 313 023 F › (084) 322 923

MiriLot 1293, 1st & 2nd Floor Centre PointJalan Melayu98000 Miri, Sarawak T › (085) 410 233 / 420 233 / 438 017 F › (085) 422 188

Kota KinabaluLevel 9, Wisma Fook LoiNo. 38, Jalan Gaya88000 Kola Kinabalu, Sabah

P.O. Box 14800, 88855 Kota Kinabalu, SabahT › (088) 217 922 / 212 097 / 222 025F › (088) 236 917

Sandakan4th Floor, Menara RickohIndah Commercial ComplexBandar Indah, Mile 4, North Road90000 Sandakan, SabahT › (089) 237 161 / 237 162 / 237 163 F › (089) 237 169

TawauTB4427 & TB44281st Floor, Block C Sabindo SquareJalan Dunlop91000 Tawau, Sabah

P.O. Box 6098391019 Tawau, SabahT › (089) 756 997 / 756 998 F › (089) 756 995

Policy ExclusionsThis Contract does not cover any hospitalisation, surgery or charges caused directly or indirectly, wholly or partly, by any one (1) of the following occurrences ›

Important Notes

› The Annual Premium Table is based on standard health status and occupational risk. Renewal premium will automatically increase as the Insured enters the next age group. There is an additional premium of 15% loading for occupation class 3. The occupational classification is as defined below:

• Class 1: Persons engaged in professional, administrative, managerial, clerical and non-manual occupations.

• Class 2: Persons engaged in the work of a supervisory nature but not involved in manual labour.

• Class 3: Persons engaged either occasionally or generally in manual work which involves the use of tools or machinery.

› Premiums may be loaded for non-Malaysians residing in Malaysia or for Insured Persons engaging in hazardous occupations or sports, or having medical conditions.

› You must inform us of any change in your occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits.

› You should assess the affordability and suitability of the product (including optional benefits) in relation to your financial goals and risk appetite. To achieve that, we recommend that you speak to your agent who will perform needs analysis and assist you in making an informed decision.

› “Cashless” facility is not applicable if you are applying optional levels of deductible.

› If an Insured Person switches policy from one insurer to another or from one type of health plan to another, the Waiting Period, Specified Illnesses and Pre-existing Illness may start afresh. Any deteriorating health status may also result in imposition of less favourable terms or non-acceptance of application.

› This brochure is not a contract of insurance. The complete coverage, terms and conditions applicable are set out in the policy document. In the event of a conflict between the English, Bahasa Malaysia and Mandarin versions, the English version shall prevail.

› Pre-existing Illness.

› Specified Illnesses occurring during the first one hundred and twenty (120) days of continuous cover.

› Any medical or physical conditions arising within the first thirty (30) days of the Insured Person’s cover or date reinstatement whichever is latest except for accidental injuries.

› Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof.

› Dental conditions including dental treatment or oral surgery except as necessitated by Accidental Injuries to sound natural teeth occurring wholly during the Period of Insurance.

› Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilisation, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law.

› Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.

› Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods or birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilisation.

› Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatments specifically for weight reduction or gain.

› Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.

› War or any act of war, declared or undeclared, criminal activities, active duty in any armed forces, direct participation in strikes, riots, civil commotion, insurrection or terrorist activities.

› Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material.

› Expenses incurred for donation of any body organ by an Insured Person and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications.

› Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bonesetting, herbalist treatment, massage or aroma therapy or other alternative treatment.

› Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Insured and Disabilities arising out of duties of employment or profession that is covered under a Workman’s Compensation Insurance Contract.

› Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations).

› Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other ineligible non-medical items.

› Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.

› Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.

› Expenses incurred for sex changes.

› Terrorism arising out of, contributed to or caused by, or resulting from or in connection with any act of nuclear, chemical, biological terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.

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AboutLonpac Insurance

Lonpac Insurance Bhd is licensed under the Financial Services Act 2013and regulated by Bank Negara Malaysia to transact all classes of generalinsurance business. Lonpac is a wholly-owned subsidiary of LPI CapitalBhd. With clients that include major corporations in the finance, propertydevelopment and manufacturing industries, it has grown to become oneof the leading general insurers in the country.

Guided by its corporate vision, “To be the preferred premier insurancesolutions provider”, the Company’s primary focus is to provide innovative insurance products supported by customer-centric service excellence. As such in October 2014, A.M Best Asia-Pacific Limited has affirmed Lonpac’sfinancial strength rating of A- for “Excellent”. Besides that, it has alsobeen recognised with multiple awards. Lonpac operates through 21 branches in Malaysia and a foreignbranch in Singapore. In 2007, LPI Capital Bhd extended its reach toCambodia to partner with Public Bank Berhad and Cambodian PublicBank Plc. to form Campu Lonpac Insurance Plc.