Specially Prepared for

WANITHAKUMARI

Proposed Plan
HealthCare Secure

Presented By: agent

Date Prepared: 26 January 2024
Life Assured : WANITHAKUMARI Payor : -
Gender : Female Gender : -
Primary Plan : HealthCare Secure Age Next Birthday : -
Plan Type : Critical Illness Standalone Plan Relationship : Self
Age Next Birthday : 45
Job Class : 1
Smoker : No

Coverage Term Premium Term Sum Assured Premium Payable

Plan Insured Life (Years) (Years) (RM) (RM)

F24K HealthCare Secure Life Assured 35 35 200,000.00 2,892.00

Occupation Loading Health Loading

Plan Term Term Term Term
% Per 1000 SA % Per 1000 SA
(Years) (Years) (Years) (Years)
- - - - - - - - -
Note: These loadings will be subjected to Underwriter's final approval.

Mode of Payment Monthly (RM) Quarterly (RM) Half Yearly (RM) Yearly (RM)
Premium 260.30 751.95 1,474.95 2,892.00

Prepared by : agent AmMetLife Insurance Berhad (197301002252) - Illustration v 4.90

Code : 1002111
Date Prepared : 26 January 2024 Page 1 of 6
 PRODUCT DISCLOSURE SHEET AmMetLife Insurance Berhad
Read this Product Disclosure Sheet before you decide to take up HealthCare
Secure. Upon receiving the policy contract, be sure to read the general terms HealthCare Secure
and conditions as stated in it. 26/01/2024

1. What is this product about?

HealthCare Secure is a non-participating yearly renewable individual critical illness (CI) insurance plan with severity based critical illness benefits that covers
multiple CI claims. This plan covers core CI and CI with severity level Tier 1 and Tier 2.

• It provides you CI protection from seven (7) CI groups with a guaranteed lump sum benefit payable if you are diagnosed with any one of the Core CI, CI
with severity level Tier 1 or Tier 2 (refer to the Benefits Schedule) during the term of the policy.
• The total benefit payout under each CI Group comprising of the Core CI and CI with severity level Tier 1 and Tier 2 (if any) will be limited to 100% of the
sum assured (SA). Within each CI Group, the benefits payable for subsequent CI claims (at Tier 2 or Core CI level) are reduced by prior paid CI claims (at
Tier 1 or Tier 2 Level). The cover will terminate once benefit payout reaches 200% of the sum assured.
• This plan is yearly renewable up to age 80.

2. What are the covers / benefits provided?

This policy covers:

• Critical Illness (CI) - The Sum Assured is RM 200,000. Upon occurrence of any of the covered critical illnesses, we will pay a percentage of the Sum
Assured in accordance with the Benefits Schedule (depending on the severity level of the covered critical illnesses as shown below), subject to terms and
conditions. The critical illness benefit payable on all in-force policies with AmMetLife under the same Life Assured is subject to a maximum amount of
Ringgit Malaysia One Million and Five Hundred Thousand (RM1,500,000).

Benefits Schedule:

Severity Level
CI Tier 1 Tier 2 Core CI
Groups Critical Illnesses
% of SA Monetary Limit % of SA Monetary Limit % of SA

Cancer 50% RM75,000 100% RM150,000 100%

Chronic Aplastic Anemia - - - - 100%

Group 1
Full-blown AIDS - - - - 100%
HIV Infection Due to Blood Transfusion - - - - 100%
Major Organ Transplant (Bone Marrow / Pancreas) - - - - 100%
Heart Attack 50% RM75,000 100% - 100%
Serious Coronary Artery Disease 50% RM75,000 100% - 100%
Stroke 50% - 100% - 100%
Heart Valve Surgery 50% RM75,000 - - 100%
Surgery to Aorta 50% RM75,000 - - 100%
Group 2
Systemic Lupus Erythematosus (SLE) With Severe
Kidney Complications 50% RM75,000 - - 100%
Kidney Failure 50% - - - 100%
Coronary Artery By-Pass Surgery - - - - 100%
Major Organ Transplant (Heart/Kidney) - - - - 100%
Medullary Cystic Disease - - - - 100%
End-Stage Liver Failure 50% RM75,000 100% - 100%
Group 3 Fulminant Viral Hepatitis - - - - 100%
Major Organ Transplant (Liver) -- - - - 100%
End-Stage Lung Disease 50% - 100% - 100%
Group 4 Primary Pulmonary Arterial Hypertension 50% - 100% - 100%
Major Organ Transplant (Lung) - - - - 100%

Prepared by : agent AmMetLife Insurance Berhad (197301002252) - Illustration v 4.90

Code : 1002111
Date Prepared : 26 January 2024 Page 2 of 6
 PRODUCT DISCLOSURE SHEET AmMetLife Insurance Berhad
Read this Product Disclosure Sheet before you decide to take up HealthCare
HealthCare Secure
Secure. Upon receiving the policy contract, be sure to read the general terms
26/01/2024
and conditions as stated in it.

Parkinson's Disease 50% - - - 100%

Alzheimer's Disease/Severe Dementia - - - - 100%
Group 5
Motor Neuron Disease - - - - 100%
Multiple Sclerosis - - - - 100%
Muscular Dystrophy - - - - 100%
Blindness 50% RM75,000 100% - 100%
Deafness 50% RM75,000 100% - 100%
Coma 50% - 100% - 100%
Benign Brain Tumor 50% RM75,000 - - 100%
Group 6 Major Burns 50% - - - 100%
Major Head Trauma 50% - - - 100%
Paralysis of Limbs 50% - - - 100%
Brain Surgery - - - - 100%
Loss of Independent Existence - - - - 100%
Loss of Speech - - - - 100%
Bacterial Meningitis 50% - - - 100%
Group 7
Encephalitis 50% - - - 100%
Major Organ Transplant (Others) 50% - - - -
Other
Angioplasty and Other Invasive Treatments for Coronary - - - - 10%
Artery Disease*
* Subject to monetary limit of RM20,000
Please refer to the brochure and policy contract for the detailed information of covered critical illnesses.

• Reduced cover for children

In the event of critical illness prior to the Life Assured attaining the age of four (4) years, the amount payable under this Policy shall be in accordance with
the following schedule:-

Age Next Birthday Percentage of the Critical Illness Benefit

1 20%
2 40%
3 60%
4 80%
5 100%

3. How much premium do I have to pay and for how long?

• The total premium that you have to pay varies depending on AmMetLife’s underwriting requirements. The premium amount is determined according to your
sum assured and attained age (next birthday), gender and smoking status.
• The estimated total premium that you have to pay: RM 2,892.00 Yearly, RM 1,474.95 Half Yearly, RM 751.95 Quarterly, RM 260.30 Monthly
• The premium rate is not guaranteed. AmMetLife reserves the right to revise the premium rate if the actual claim experience is worse than expected, by giving
you thirty (30) days written notice prior to your next policy anniversary.
• Policy renewal is guaranteed up to the stated term in the Policy Contract.
• You have 30 days from the premium due date to pay the premium.

Your premium will increase according to your attained age. Please refer to Female Non Smoker column in the premium rates (per RM1,000 sum assured) table
below:
The individual annual premium rates per RM1,000 sum assured for standard lives are as follows:

Prepared by : agent AmMetLife Insurance Berhad (197301002252) - Illustration v 4.90

Code : 1002111
Date Prepared : 26 January 2024 Page 3 of 6
 PRODUCT DISCLOSURE SHEET AmMetLife Insurance Berhad
Read this Product Disclosure Sheet before you decide to take up HealthCare
HealthCare Secure
Secure. Upon receiving the policy contract, be sure to read the general terms
26/01/2024
and conditions as stated in it.

Attained Age Male (RM) Female (RM)

(Next Birthday) Non Smoker Smoker Non Smoker Smoker
1-5 4.61 4.61 4.00 4.00
6 - 10 4.61 4.61 4.00 4.00
11 - 15 4.61 4.61 4.00 4.00
16 - 20 4.61 4.61 4.00 4.00
21 - 25 4.61 4.61 4.45 5.38
26 - 30 4.61 4.61 4.45 5.38
31 - 35 6.78 10.59 9.86 12.99
36 - 40 6.78 10.59 9.86 12.99
41 - 45 11.10 18.66 14.46 20.13
46 - 50 16.90 29.57 18.66 27.65
51 - 55 26.85 48.06 23.46 36.83
56 - 60 40.99 73.38 28.54 47.14
61 - 65** 63.84 112.32 37.06 63.33
66 - 70** 95.39 162.14 55.14 94.88
71 - 75** 130.78 210.62 79.26 133.15
76 - 80** 187.55 279.46 111.74 174.30
** Applicable for Renewal Ages only

4. What are the fees and charges I have to pay?

• Stamp Duty - RM 10 (one time payment for every new policy)

• Total Distribution Cost - 15% of gross premium or RM 433.80 (included in the premium)

5. What are some of the key terms and conditions that I should be aware of?

• You should satisfy yourself that this plan will best serve your needs and that the premium payable under this policy is an amount you can afford.
• Importance of disclosure - you must disclose all material facts such as medical conditions, and state your age correctly.
• You must complete the proposal form accurately. If you fail to disclose or wrongly disclose any material information:
i) premium and benefit amount may be affected; or
ii) the policy may be cancelled and all premium less medical expenses, claims and indebtedness will be refunded to you without interest.
• If you switch to another insurer or transfer from one policy to another, you may be subject to the new terms and conditions of the new policy or the new
insurer.
• Unless renewed, the coverage will cease on expiry date and AmMetLife Insurance Berhad shall strictly not be liable for any expenses that take place after the
expiry date.
• If your insurance agent ceases to be an agent of AmMetLife Insurance Berhad, AmMetLife Insurance will inform you accordingly.
• Cooling off period - you may cancel your policy by returning the policy within fifteen (15) days from the date of receipt of the policy. The premiums that
you have paid less any expenses which may have been incurred by AmMetLife for any medical examination of the Life Assured will be refunded to you.
• Waiting period
The same waiting period is applied to the Tiered conditions as per their respective core CI conditions, except for Tier 1 and Tier 2 under Cancer.
Conditions
Waiting Period 120 days • Minor Cancer and procedure (Tier 1 and Tier 2)
Waiting Period 60 days • Cancer
• Coronary Artery By-pass Surgery
• Heart Attack
• Angioplasty and other invasive treatments for Coronary Artery Disease
Waiting Period 30 days All other conditions
• Survival Period - A survival period of 30 days is applicable.
• You or your representative must notify AmMetLife as soon as possible after a claim event. You may visit ammetlife.com for the detailed claim procedure.

Note: This list is non-exhaustive. Please refer to the policy contract for the complete terms and conditions under this policy.

6. What are the major exclusions under this policy?

• The Covered Event shall not cover any Critical Illness caused directly or indirectly, wholly or partly, by any of the following occurrences:-
1. Pre-existing illness;
2. Specified Illnesses occurring within the specified waiting period;
3. Illnesses resulting from AIDS, AIDS-related complex or infection by HIV (except for “Full-blown AIDS” or “HIV Infection due to Blood Transfusion”
covered under the plan);

Prepared by : agent AmMetLife Insurance Berhad (197301002252) - Illustration v 4.90

Code : 1002111
Date Prepared : 26 January 2024 Page 4 of 6
 PRODUCT DISCLOSURE SHEET AmMetLife Insurance Berhad
Read this Product Disclosure Sheet before you decide to take up HealthCare
HealthCare Secure
Secure. Upon receiving the policy contract, be sure to read the general terms
26/01/2024
and conditions as stated in it.

4. Congenital abnormalities;
5. Illnesses caused by self-inflicted injury while the Life Assured is sane or insane;
6. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons
material.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions upon receiving the policy.

7. Can I cancel my policy?

You may cancel your policy by giving a written notice to AmMetLife Insurance Berhad.
• If you cancel your policy after the fifteen (15) days cooling off period, you are entitled for a refund of a certain percentage of the premium. Refer to policy
contract for details of premium refund.

8. What do I need to do if there are changes to my contact details?

It is important that you inform us of any change in your contact details (including that of the nominee and/or trustee) to ensure that all correspondence reaches
you and/or nominee/trustee in a timely manner.

9. Where can I get further information?

Should you require additional information about medical and health insurance, please refer to the relevant insuranceinfo booklet, available on
www.insuranceinfo.com.my.

If you have any enquiries, please contact us at:

Customer Care Centre

AmMetLife Insurance Berhad
Level 6, Menara 1 Sentrum,
No. 201, Jalan Tun Sambanthan,
50470 Kuala Lumpur.
Tel: 1 300 88 8800
E-Mail: customercare@ammetlife.com
Homepage: ammetlife.com

AmMetLife Insurance Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

10. Other similar types of cover available

Please ask AmMetLife Insurance Berhad for other similar types of plans offered by AmMetLife Insurance Berhad.

IMPORTANT NOTE:

YOU SHOULD SATISFY YOURSELF THAT THIS POLICY WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE
INSURANCE POLICY AND DISCUSS WITH YOUR AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE
INFORMATION.

The information provided in this Product Disclosure Sheet is valid as at 26 January 2024

Prepared by : agent AmMetLife Insurance Berhad (197301002252) - Illustration v 4.90

Code : 1002111
Date Prepared : 26 January 2024 Page 5 of 6
Acknowledgement

I hereby acknowledge that I have read and understood the Product Disclosure Sheet(s). The product features, benefits and the key terms affecting my rights and
obligations have been adequately explained to me.

Name of Policy Owner NRIC No. Signature Date

Prepared by : agent AmMetLife Insurance Berhad (197301002252) - Illustration v 4.90

Code : 1002111
Date Prepared : 26 January 2024 Page 6 of 6