MAA Senior Gold

Senior Gold

Description

SeniorGold is specially designed for our Senior Citizen aged 50- 80 years. This wonderful product ensures Guaranteed Acceptance and No Medical Check- up required! It provides up to 5 times of the principle sum insured for Accidental Death Benefit with an affordable premium. Even more… this plan offers an essential coverage for the elderly, which is natural death. It also gives you coverage up to 100 years old which ensures your golden years a total peace of mind!


Benefits

Accidental Death Benefit
In the event of accidental death, the Accidental sum insured will be payable according to the attained age of the insured.


Natural death Benefit
- Natural Death Benefit after 2 consecutive years policy incepted.
In the event of natural death occur after 2 consecutive years from the date of policy incepted, the basic sum assured is payable according to the entry age sum insured table.

- Natural Death Benefit within the first 2 years policy incepted.
In the event of Natural Death occur within the first 2 years from the date of policy incepted, all premium paid will be refunded.


Repatriation Benefit
The company will reimburse up to RM3,000 to the insured’s legal representative for the cost of bringing the mortal remains back to Malaysia in the event death of the insured occurs whilst travelling outside Malaysia.


Maturity Benefit
Basic Sum Assured is payable upon the survival of the insured to the maturity of policy (100th birthday of the insured).


Cash Value
In the event the policy is surrendered prior to the maturity date, some amount of surrender value is payable.



Entry Age
Insured : 50 to 80 years old
Policyholder : 18 years old and above

PA110EVO : MAA comprehensive Personal Accident Policy

PA 110 EVO
Description

PA110 EVO is a comprehensive Personal Accident policy, which also cover Death due to Any Cause up to 20 years. Apart from the protection of death and Disability, this plan also offers you a wide range of benefits such as Weekly Indemnity, Medical Reimbursement, Daily Hospital Income and much more..

Benefits

1) Death Benefit
In the event of Death due to Accident, this policy will pay the full amount of Accidental Sum Assured plus Basic Term Sum Assured to the beneficiary.

2) Permanent Dismemberment
In the event of Permanent Dismemberment due to Accident, this policy will pay up to the full amount of Accidental Sum Assured based on the percentage as written in the Accidental Death and Permanent Dismemberment Table.

3) Medical Reimbursement
This benefit allows you to reimburse medical expenses up to the sum assured inclusive of hospital room and board, outpatient and surgical treatment.

4) Weekly Indemnity
Pays up to 104 weeks if the insured is totally unable to attend to his work as certified by Registered Medical Practitioner.

5) Broken Bones / Burns
In the event of Broken Bones or Burns due to an Accident, an amount of up to the sum assured is payable.

6) Physician Benefit
An additional medical benefit up to RM500 is payable for treatments by acupuncturist, bonesetter, chiropractor, osteopath & physiotherapist. Provided the first consultation is by a registered medical practitioner.

7) Daily Hospital Income
This daily income benefit is payable should the insured is hospitalised for more than 6 hours as a registered inpatient for the treatment of accidental injury.

8) Ambulance Fees
When by reason of accidental injury, the company shall pay the necessary ambulance fees up to maximum amount stated in the Summary of Benefits table.

9) Death (Any Cause)
An additional death benefit is payable in the event of Death due to any causes.

PB100 : MAA Payback Personal Accident

Plan Description

PB100 is a classic life and personal accident plan with money back guarantee that everyone has to own. It is an amazing PA plan, where besides protection you will also get back every single cent you have paid in premiums upon maturity. This plan is also the most flexible PA plan where you can surrender your policy at any time and receive some cash value. Anyhow, there wont be any cash value should you surrender you policy within the first 3 years of the policy been in-forced. Besides that, you will be paid double in the event of death or disability due to traffic accidents at any Toll Highways in Malaysia.
Plan Benefits

1) Death Benefit
In the event of the death of the insured, the total amount of the Accidental Sum Assured plus with the Basic Term Sum Assured is payable to the beneficiary.

2) Permanent Disability
In the event of permanent disability as of the following incurred, the total amount of the Accidental Sum Assured is payable.
~ Permanent total loss of sight of both eyes
~ Permanent total loss of sight of one eye
~ Loss of or permanent total loss of use of two limbs
~ Loss of or permanent total loss of use of one limb
~ Loss of speech and hearing
~ Permanent and incurable insanity
~ Total and Permanent Disability

3) Double Indemnity
In the event of Death or Disability due to Traffic Accident at Any Toll Highway in Malaysia, the total Accidental Sum Assured will be doubled and made payable to the beneficiary.

4) Death and Total and Permanent Disability(TPD) (any cause)
In the event of death or TPD due to any cause, a total amount of Basic Term Sum Assured is payable.

5) Cash Value
In the event the policy is surrendered prior to the maturity date, some amount of surrender value is payable.

6) Money Back Guarantee
Upon maturity of the policy, all premiums that have been paid (base on annual mode premium) will be refunded 100%


计划的说明

PB100是一个典型的生活和金钱人身意外保障计划后，每个人都有自己。这是一个了不起的巴勒斯坦权力机构的计划，其中除了保护你还会回来每一分钱，你在到期保险费。这个计划也是最灵活的巴勒斯坦权力机构计划在那里你可以随时投降政策，接受一些现金价值。无论如何，不​​会有任何现金价值，你应该放弃你的头3政策在-被迫年的政策。除此之外，你将付双倍的价钱在死亡或伤残，因交通意外在马来西亚的任何收费公路的事件。
计划的好处

1）身故保障
在被保险人身故，则意外保额加上长期的基本保额总额支付给受益人。

2）永久伤残
在作为永久伤残事件发生后，该意外保额总额支付。
〜永久完全丧失双眼视力
〜永久完全丧失一只眼睛的视力
〜丧失或两肢永久完全丧失
〜丧失或一肢永久完全丧失
〜丧失语言能力和听力
〜永久性和无法治愈的精神错乱
〜完全及永久伤残

3）双倍赔偿
在死亡或伤残，因交通意外在马来西亚的任何收费公路时，意外的总保额将增加一倍，抬头人为受益人。

4）死亡和完全及永久伤残（TPD）的（任何原因）
在天津港的死亡事件或因任何原因，长期的基本保额总额支付。

5）现金价值
在这一事件的政策是投降前到期，部分退保现金价值金额支付。

6）退款保证
该政策到期后，所有已支付（年度保费模式基地）的保险费将予以退还100％