We help you to seek early treatment when you need it most

About AIA Bhd. American International Assurance Bhd. (AIA Bhd.) began operations in Kuala Lumpur, Malaysia in 1948 as a branch of American International Assurance Company, Limited (AIA). With over 60 years of local market presence, AIA Bhd. has now become one of the country s largest life insurers, with a network of 23 branches nationwide. The company s focus is on designing new and innovative products to meet the changing needs of the market. AIA Bhd. is a member of the AIA Group. About the AIA Group AIA Group Limited and its subsidiaries (collectively AIA or the Group ) comprise the largest independent publicly listed pan-asian life insurance group in the world. It has wholly-owned main operating subsidiaries or branches in 14 markets in Asia Pacific Hong Kong, Thailand, Singapore, Malaysia, China, Korea, the Philippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau and Brunei and a 26 per cent joint venture shareholding in India. The business that is now AIA was first established in Shanghai over 90 years ago. It is a market leader in the Asia Pacific region (ex-japan) based on life insurance premiums and holds leading positions across the majority of its markets. It had total assets of US$114,461 million as of 30 November 2011. AIA meets the savings and protection needs of individuals by offering a range of products and services including retirement planning, life insurance and accident and health insurance. The Group also provides employee benefits, credit life and pension services to corporate clients. Through an extensive network of agents and employees across Asia Pacific, AIA serves the holders of more than 24 million individual policies and over 10 million participating members of group insurance schemes. AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong Limited under the stock code 1299 with American Depositary Receipts (Level 1) traded on the over-the-counter market (ticker symbol: AAGIY ). PROTECTION EARLY PAY CRITICAL ILLNESS RIDER Alor Setar Wisma AIA 999 Jalan Telok Wanjah 05200 Alor Setar Kedah Darul Aman Tel: 04-735 5372 Fax: 04-731 9325 Batu Pahat Wisma AIA 54A Jalan Rahmat 83000 Batu Pahat Johor Darul Takzim Tel: 07-431 1821 Fax: 07-433 1488 Bukit Mertajam Wisma AIA 543 Jalan Sungai Rambai 14000 Bukit Mertajam Seberang Perai Tel: 04-538 6421 Fax: 04-538 9078 Ipoh Wisma AIA 118 Jalan C M Yusuff 30250 Ipoh Perak Darul Ridzuan Tel: 05-255 7479 Fax: 05-255 9163 Johor Bahru Wisma AIA 2 Jalan Bukit Timbalan 80000 Johor Bahru Johor Darul Takzim Tel: 07-227 8440 Fax: 07-223 7579 Klang Ground Floor, Menara A&M No 3, Jalan Istana 41000 Klang Selangor Darul Ehsan Tel: 03-3373 2367 Fax: 03-3371 7615 Kluang Wisma AIA 230 Taman Kurnia Jalan Mersing 86000 Kluang Johor Darul Takzim Tel: 07-774 5145 Fax: 07-772 0908 Kota Bharu 2nd and 3rd Floor Lot 164, Section 8 Jalan Pintu Pong 15000 Kota Bharu Kelantan Darul Naim Tel: 09-747 3523 Fax: 09-747 0761 Kota Kinabalu Wisma AIA 13 Jalan Karamunsing 88000 Kota Kinabalu Sabah Tel: 088-248 545 Fax: 088-221 775 Kuala Lumpur Menara AIA 99 Jalan Ampang 50450 Kuala Lumpur Tel: 03-2056 1111 Kuantan Wisma AIA 103 Jalan Tun Ismail 25000 Kuantan Pahang Darul Makmur Tel: 09-517 8795 Fax: 09-515 7151 Kuching Wisma AIA 216 Jalan Song Thian Cheok 93100 Kuching Sarawak Tel: 082-422 684 Fax: 082-245 408 Kulim 67-I Jalan Raya 09000 Kulim Kedah Darul Aman Tel: 04-495 9645 Fax: 04-491 2858 Melaka Wisma AIA 96 Jalan Munshi Abdullah 75100 Melaka Tel: 06-286 2364 Fax: 06-281 3088 Miri Wisma AIA Lot 663 Jalan Merbau 98000 Miri Sarawak Tel: 085-426 413 Fax: 085-414 355 Petaling Jaya Level 3, Menara Axis No 2, Jalan 51A/223 46100 Petaling Jaya Tel: 03-7680 8686 Fax: 03-7680 8666 Pulau Pinang Ground Floor Wisma Leader No 8, Jalan Larut 10050 Pulau Pinang Tel: 04-222 6262 Fax: 04-222 6222 Sandakan Wisma AIA Block 30 Jalan Dua 90000 Sandakan Sabah Tel: 089-220 486 Fax: 089-218 308 Seremban 20 Jalan Dato' Lee Fong Yee 70000 Seremban Negeri Sembilan Darul Khusus Tel: 06-763 5768 Fax: 06-764 4312 Sibu 17, 1st Floor Jalan Bindang (Brooke Drive 1) 96000 Sibu Sarawak Tel: 084-347 740 Fax: 084-343 900 Sungai Petani Wisma AIA 8 Taman Patani Baru Jalan Kampong Baru 08000 Sungai Petani Kedah Darul Aman Tel: 04-421 2327 Fax: 04-423 4257 Taiping Wisma AIA 28 Jalan Long Jaafar 34000 Taiping Perak Darul Ridzuan Tel: 05-808 4845 Fax: 05-806 8988 Tawau Wisma AIA, TB 275 Block 29 Jalan Haji Karim 91000 Tawau Sabah Tel: 089-754 166 Fax: 089-752 949 We help you to seek early treatment when you need it most A plan that allows you to make early critical illness claims. The Power of We PT0810253 AIA Bhd. is licensed under the Insurance Act 1996 & regulated by the Central Bank (Bank Negara Malaysia). Rev 0612 AIA.COM.MY

Early Pay Critical Illness Rider 1 Early Pay Critical Illness Rider Critical Illness Insurance A diagnosis of an unexpected critical illness such as cancer or heart disease will definitely strike fear in your heart, as it not only wreaks havoc on your daily life and affects your plan for the future; but also burdens you with exorbitant treatment bills. Nevertheless, medical advancement has significantly improved the screening as well as treatment techniques for critical illness. On a positive note, the chances of recovery are more likely to be higher, if your critical illness is diagnosed at an early stage and you seek the necessary treatment without delay. To help you cope with the financial challenges of a critical illness; and enable you to benefit from early treatment, we introduce you the Early Pay Critical Illness Rider. This is a valuable critical illness plan that allows you to make early critical illness claims, as well as cover you from diabetic related disease. What is Early Pay Critical Illness Rider about? Early Pay Critical Illness Rider is a comprehensive critical illness protection plan which allows you to make claims upon diagnosis of any one of the covered critical illness events. Up to 92 critical illness events are covered and depending on the severity levels i.e. Low Severity, Medium Severity and High Severity, a payout of 30%, 60% and 100% of the sum assured will be made respectively. Apart from that, the plan also pays an additional 20% of sum assured for any one of the 3 covered diabetic related diseases. BENEFITS What are the benefits provided? This plan provides: Critical illness protection at an early stage In the event that the insured is diagnosed with a covered critical illness event 1 and survives for a minimum of 30 days, a benefit payout of 30%, 60% and 100% of the sum assured will be made respectively, depending on the severity of the critical illness event and subject to terms and conditions. The policy remains in-force until 100% of the sum assured is paid. Comprehensive coverage You and your loved ones are protected against a total of 92 critical illness events which are grouped into 36 categories with severity levels ranging from low to high. Please refer to Appendix I for the list of covered critical illness events. Additional benefit for Diabetic Related Disease 2 If the insured is suffering from any one of the 3 covered diabetic related diseases, an additional payout equivalent to 20% of the sum assured is payable. This benefit is payable once only and will not reduce the sum assured. Please refer to Appendix 2 for the list of covered diabetic related diseases. 1 For Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease, only one claim can be made and the benefit payout is limited to 10% of the sum assured or RM25,000, whichever is lower. 2 This benefit is not payable once 100% of the sum assured is paid for other covered critical illness events.

2 Early Pay Critical Illness Rider Multiple claims allowed without waiting period Multiple claims are allowable for this plan up to a maximum of 120% sum assured 3. In addition, there is no waiting period applicable between each claim. How are the benefits paid? Assuming Ms. A bought Early Pay Critical Illness Rider with a sum assured of RM100,000, the benefit payouts that she will receive based on different scenarios are illustrated below: Scenario 1 Same Critical Illness Category Critical Illness Category No. of Claim Critical Illness Event Severity Benefit Payable Stroke 1 st Claim 2 nd Claim 3 rd Claim Brain Aneurysm Carotid Artery Stroke Surgery Surgery Low Medium High RM30,000 (RM100,000 x 30%) RM30,000 a ([RM100,000 x 60%] RM30,000) RM40,000 b ([RM100,000 x 100%] [RM30,000 + RM30,000]) Total benefit payable = RM30,000 + RM30,000 + RM40,000 = RM100,00 Notes: a As the critical illness event of the 2nd claim is of the same critical illness category as the 1st claim, 60% of sum assured after deducting the benefit paid for 1st claim, is payable. b The remaining sum assured is payable for the 3rd claim, after deducting the total benefit paid for the 1st and 2nd claim. 3 Inclusive of 100% sum assured and any applicable additional 20% sum assured for Diabetic Related Disease.

Early Pay Critical Illness Rider 3 Scenario 2 Different Critical Illness Category Critical Illness Category Loss of Independent Existence Coronary Artery By-Pass Surgery Cancer No. of Claim 1 st Claim 2 nd Claim Pericardectomy 3 rd Claim Cancer Critical Illness Event Early Loss of Independent Existence Severity Benefit Payable Low Low High RM30,000 (RM100,000 x 30%) RM30,000 c (RM100,000 x 30%) RM40,000 d ([RM100,000 x 100%] [RM30,000 + RM30,000]) Total benefit payable = RM30,000 + RM30,000 + RM40,000 = RM100,000 Notes: c The critical illness event of the 2nd claim is of a different critical illness category as the 1st claim, and is of different pairing of critical illness event as the 1st claim, therefore 30% of sum assured is payable. However, exceptions will apply for the following four pairings of critical illness event listed below: i) Early Loss of Independent Existence, Early Alzheimer s Disease, Moderately Severe Alzheimer s Disease ii) Early Loss of Independent Existence, Early Parkinson s Disease, Moderately Severe Parkinson s Disease iii) Early Coronary Artery Disease, Pericardectomy, Minimally Invasive Direct Coronary Artery Bypass Grafting (MIDCAB) iv) Other Coronary Artery Disease, Pericardectomy, Minimally Invasive Direct Coronary Artery Bypass Grafting (MIDCAB) For the pairings above, even if the subsequent claim (with higher severity) is of a different critical illness category as the earlier claim, any benefit previously paid for the earlier claim will be deducted from the subsequent claim payable. If the subsequent claim is equivalent to or lower severity than the earlier claim, despite being of a different critical illness category, then no benefit is payable for the subsequent claim. d The remaining sum assured is payable for the 3rd claim, after deducting the total benefit paid for the first 2 claims.

4 Early Pay Critical Illness Rider Scenario 3 Different Critical Illness Category with additional benefit for Diabetic Related Disease Critical Illness Category Lung Disease Diabetic Related Disease Lung Disease Brain Surgery No. of Claim 1 st Claim 2 nd Claim 3 rd Claim 4 th Claim Critical Illness Event Surgical Removal of One Lung Surgery for Type 2 Diabetic Retinopathy Severe Asthma Brain Surgery Severity Medium Not Applicable Low High Benefit Payable RM60,000 (RM100,000 x 60%) RM20,000 (RM100,000 x 20%) RM0 e RM40,000 f ([RM100,000 x 100%] RM60,000) Total benefit payable = RM60,000 + RM20,000 + RM0 + RM40,000 = RM120,000 Notes: e For the same critical illness category, once a claim is made from any severity level, no further benefits will be payable for other claims of a lower or same severity level. In this case, no benefit is payable as Severe Asthma is a lower severity critical illness event of the 1st claim i.e. Surgical Removal of One Lung. f The remaining sum assured is payable for the 4th claim, after deducting the total benefit paid for the 1st claim. Benefit payable for Diabetic Related Disease on 2nd claim is excluded in the computation as this is an additional payout on top of the sum assured. Note: Please refer to the policy contract for the full details of the benefit coverage. COVERAGE What is the coverage period for Early Pay Critical Illness Rider? The coverage period is until age 70/85 or upon maturity of the basic plan, whichever is earlier. When does my coverage start? Your coverage starts from the date on which your completed and signed application form is approved by us and when we have received the appropriate premium. What is the minimum sum assured? Minimum sum assured is RM5,000, and the sum assured must be in multiples of RM1,000. What are the basic plan that I can attach the Early Pay Critical Illness Rider to? This plan is attachable to regular premium investment-linked plans and selected traditional plans.

Early Pay Critical Illness Rider 5 In the event of diagnosis of any one of the covered critical illness events of an insured child, will the full sum assured be payable? The sum assured payable will be based on the juvenile lien percentage as indicated in the table below: Age as at last birthday Percentage of the total sum assured payable Less than 1 year old 20% 1-year old 40% 2-year old 60% 3-year old 80% 4-year old or above 100% ELIGIBILITY Am I eligible to apply for Early Pay Critical Illness Rider? This plan is available to individuals from 4 weeks to 60 years of age; subject to the approval of our underwriters. PREMIUMS/COST OF INSURANCE How much premium/cost of insurance do I have to pay? Please refer to the table below for some indicative annual premium/cost of insurance for a non-smoker male of standard health: Indicative premium/cost of insurance per annum (standard life) per thousand sum assured Male, non-smoker, standard health 20 years old 30 years old 40 years old Attachable to traditional plans RM7.94 RM13.77 RM24.61 (rider expiry at age 85)* Attachable to traditional plans RM5.80 RM9.80 RM17.50 (rider expiry at age 70)* Attachable to regular premium RM1.11 RM1.40 RM3.46 investment-linked plan** * Premium rates for premium paying rider depends on age at issue date of your policy, and premium will be reduced according to the reduced rider sum assured following the claim payout. ** Cost of insurance for unit deducting rider depends on the attained age when cost of insurance is deducted, and cost of insurance will be reduced according to the reduced rider sum assured following the claim payout. Please refer to the sales illustrations as provided by the agent for more details. You should satisfy yourself that this plan will best serve your needs and that the premium payable under this plan is an amount you can afford. Will my premium/cost of insurance increase as my age increases? For premium paying rider, the premium rates are level and based on the age at issue date of the plan. For unit deducting rider, the cost of insurance to be charged depends on your attained age when the cost of insurance is deducted. The cost of insurance will increase as your age increases.

6 Early Pay Critical Illness Rider Is the premium/cost of insurance for Early Pay Critical Illness Rider guaranteed? The premium/cost of insurance for Early Pay Critical Illness Rider are not guaranteed and the Company reserves the right to revise the premium/cost of insurance upon renewal. One of the possible factors contributing to the increase in premium/cost of insurance is deteriorating claims experience. The possible factors contributing to revision and renewal of the premium/cost of insurance above are not exhaustive and the premium/cost of insurance may be reviewed under other justified circumstances. The Company will give ninety (90) days prior notice in writing by ordinary post to your last known address in the Company s records if such revision takes place. Past trends on the increase in premium/cost of insurance do not necessarily reflect the future trends. What is the premium paying/cost of insurance deduction duration for Early Pay Critical Illness Rider? Premium paying/cost of insurance deduction duration is until age 70/85 or upon maturity of the basic plan, whichever is earlier. FEES AND CHARGES What are the fees and charges that I have to pay? There are no fees and charges other than the premiums payable or cost of insurance deducted. TERMS AND CONDITIONS What are some of the key terms and conditions that I should be aware of? Importance of disclosure you must disclose all material facts such as medical condition, and state your age correctly. Free-look period you may cancel your policy by returning us the policy contract and giving us a written notice that has been signed by you. Both written notice and policy contract must be received by us within 15 days after you have received the policy contract. The premium that you have paid (less any medical fee incurred) will be refunded to you. Grace period you are given a grace period of 31 days from the due date for payment of each subsequent premium. If premium remains unpaid at the end of this grace period, the policy may lapse. Waiting period you will have to wait for a specified duration before your coverage takes effect: i) Waiting period for critical illness event defined under High Severity 60 days from the issue date or commencement date of the rider, whichever is later for Cancer, Heart Attack, Coronary Artery By-Pass Surgery and Other Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease. 30 days from the issue date or commencement date of the rider, whichever is later for other critical illness events. ii) Waiting period for critical illness event defined under Low Severity, Medium Severity and Diabetic Related Disease 60 days from the issue date or commencement date of the rider, whichever is later for all critical illness events. Survival period Minimum 30 days upon diagnosis of a covered critical illness event. Note: This list is not exhaustive. Please refer to the policy contract for the terms and conditions.

Early Pay Critical Illness Rider 7 EXCLUSIONS What are the major exclusions for Early Pay Critical Illness Rider? This plan shall not cover: The signs and symptoms of the critical illness event defined under High Severity are manifested prior to or within 60 days from the issue date or commencement date of the rider, whichever is later for Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Other Serious Coronary Artery Disease, and Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease. The signs and symptoms of the critical illness event defined under High Severity are manifested prior to or within 30 days from the issue date or commencement date of the rider, whichever is later for all other critical illness events. The signs and symptoms of the critical illness event defined under Low Severity, Medium Severity and Diabetic Related Disease are manifested prior to or within 60 days from the issue date or commencement date of the rider, whichever is later. The critical illness event arises from a pre-existing condition which existed prior to the issue date or commencement date of the rider, whichever is later. The critical illness event is diagnosed due to a congenital defect or disease, which was manifested or was diagnosed before insured attains seventeen (17) years of age. The critical illness event is caused by a self-inflicted injury. The critical illness event is caused directly or indirectly by AIDS or HIV infection except for HIV due to blood transfusion. The critical illness event under Low Severity and Medium Severity is caused directly from alcohol or drug abuse. The critical illness event is within the same or lower severity of the previous critical illness event claim, save and except for Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease. Note: This list is not exhaustive. Please refer to the policy contract for the full list of exclusions under this plan. CANCELLATION Can AIA cancel my policy? No. Can I cancel my policy? Buying a life policy is a long-term financial commitment. If you do not pay your premiums within the grace period, your policy may lapse. You may cancel your policy at any time by writing to us if you haven t made a claim yet. No cash surrender value will be paid upon cancellation of this plan. REINSTATEMENT Can I reinstate my policy after it has lapsed? Yes, you may reinstate your policy subject to the Company s terms and conditions. You may be required to provide health evidence to prove your insurability at the time of reinstatement. CLAIMS How do I make a claim? You need to complete the relevant claims forms which you can obtain from your AIA agent, by calling the AIA Customer Service Hotline at 1300-88-1899 or visit any AIA branch. You will find a list of AIA branches in Malaysia on the back of this brochure. What other documentation is required to be submitted together with the claim? In addition to the relevant claims forms, we require medical reports (as listed at the back of the claims form) to support the claim.

8 Early Pay Critical Illness Rider When do I have to notify AIA of a claim? In the event of a claim, it is advisable that you notify us immediately +. + The notification period varies in accordance with the types of claim made. Please refer to the policy contract for details. TAX RELIEF Is the premium paid for Early Pay Critical Illness Rider eligible for income tax relief? The premium paid for this plan may qualify you for personal tax relief subject to the final decision of the Inland Revenue Board. INFORMATION What do I need to do if there are changes to my contact details? It is important that you inform us of any changes in your contact details to ensure that all correspondences reach you in a timely manner. Where can I get further information? About Early Pay Critical Illness Rider Should you require additional information on Early Pay Critical Illness Rider or about any other AIA insurance plans or riders, you can contact your AIA agent, or our AIA Customer Service Hotline at 1300-88-1899 or visit any AIA branch nationwide. You will find a list of AIA branches on the back of this brochure. You can also contact us via email by visiting www.aia.com.my. About Medical and Health Insurance Should you require additional information about medical and health insurance, you may also refer to the insuranceinfo booklet on Medical & Health Insurance available at all our branches or you can obtain a copy from your AIA agent or visit www.insuranceinfo.com.my. IMPORTANT NOTE: YOU SHOULD SATISFY THAT THE MEDICAL AND HEALTH INSURANCE POLICY CHOSEN WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE MEDICAL AND HEALTH INSURANCE POLICY AND DISCUSS WITH THE AGENT OR CONTACT US DIRECTLY FOR MORE INFORMATION. THIS DOCUMENT CONTAINS A SUMMARY OF THE PRODUCT AND IS NOT A CONTRACT OF INSURANCE. THE POLICY CONTRACT SHALL PREVAIL OVER THIS DOCUMENT.

Early Pay Critical Illness Rider 9 Rider Early Pay Critical Illness Insurans Penyakit Kritikal Diagnosis penyakit kritikal yang tidak dijangka seperti kanser atau penyakit jantung pasti akan menakutkan anda, kerana ia bukan sahaja mengakibatkan kacau-bilau di kehidupan harian anda dan menjejaskan pelan anda untuk masa depan; tetapi juga membebankan anda dengan bil-bil rawatan yang melambung tinggi. Walau bagaimanapun, kemajuan perubatan telah meningkatkan taraf teknik pemeriksaan dan rawatan untuk penyakit kritikal. Memandangkan perkembangan yang positif, peluang untuk pulih adalah berkemungkinan lebih tinggi, jika penyakit kritikal anda didiagnosiskan pada peringkat awal dan anda mendapatkan rawatan yang diperlukan tanpa berlengah. Untuk membantu anda menghadapi cabaran kewangan akibat penyakit kritikal; dan membolehkan anda mendapat manfaat daripada rawatan awal, kami memperkenalkan anda Rider Early Pay Critical Illness. Ini adalah satu pelan penyakit kritikal bernilai yang membolehkan anda membuat tuntutan awal bagi penyakit kritikal, serta melindungi anda daripada penyakit berkaitan diabetik. Apakah itu Rider Early Pay Critical Illness? Rider Early Pay Critical Illness adalah pelan perlindungan penyakit kritikal yang komprehensif yang membolehkan anda membuat tuntutan apabila didiagnosiskan mana-mana satu peristiwa penyakit kritikal yang dilindungi. Terdapat sebanyak 92 peristiwa penyakit kritikal dilindungi dan bergantung kepada tahap keparahan iaitu Keparahan Ringan, Keparahan Sederhana dan Keparahan Serius, pembayaran sebanyak 30%, 60% dan 100% daripada jumlah diinsuranskan akan dibuat masingmasing. Selain daripada itu, pelan ini juga membayar manfaat tambahan bersamaan dengan 20% daripada jumlah diinsuranskan bagi mana-mana satu 3 penyakit berkaitan diabetic yang dilindungi. MANFAAT Apakah manfaat yang disediakan? Pelan ini menyediakan: Perlindungan penyakit kritikal pada peringkat awal Jikalau insured didiagnosiskan dengan peristiwa penyakit kritikal 1 yang dilindungi dan hidup untuk sekurang-kurangnya 30 hari, pembayaran manfaat sebanyak 30%, 60% dan 100% daripada jumlah diinsuranskan akan dibuat masing-masing, bergantung kepada tahap keparahan peristiwa penyakit kritikal dan tertakluk kepada terma-terma dan syarat-syarat. Polisi tetap berkuatkuasa sehingga 100% daripada jumlah diinsuranskan dibayar. Perlindungan komprehensif Anda dan orang tersayang anda dilindungi daripada 92 peristiwa penyakit kritikal yang dikumpulankan ke dalam 36 kategori berdasarkan tahap keparahan dari ringan ke serius. Sila rujuk kepada Lampiran I untuk senarai peristiwa penyakit kritikal yang dilindungi. 1 Untuk Angioplasti dan Rawatan Pembedahan Lain Untuk Penyakit Arteri Koronari Utama, hanya satu tuntutan boleh dibuat dan pembayaran manfaat dihadkan kepada 10% daripada jumlah diinsuranskan atau RM25,000, yang mana lebih rendah.

10 Early Pay Critical Illness Rider Manfaat tambahan untuk Penyakit Berkaitan Diabetik 2 Jika insured menderita daripada mana-mana satu 3 penyakit berkaitan diabetik yang dilindungi, pembayaran tambahan yang bersamaan dengan 20% daripada jumlah diinsuranskan akan dibayar. Manfaat ini dibayar sekali sahaja dan tidak akan mengurangkan jumlah diinsuranskan. Sila rujuk kepada Lampiran 2 untuk senarai penyakit berkaitan diabetik yang dilindungi. Pelbagai tuntutan dibenarkan tanpa tempoh tangguh Pelbagai tuntutan sehingga maksimum 120% jumlah diinsuranskan 3 dibenarkan untuk pelan ini. Di samping itu, tempoh tangguh antara setiap tuntutan tidak dikenakan. Bagaimanakah manfaat dibayar? Dengan andaian Cik A membeli Rider Early Pay Critical Illness dengan jumlah diinsuranskan sebanyak RM100,000, pembayaran manfaat yang dia akan terima berdasarkan pelbagai senario adalah digambarkan seperti yang berikut: Senario 1 Kategori Penyakit Kritikal yang Sama Kategori Penyakit Kritikal Bilangan Tuntutan Peristiwa Penyakit Kritikal Keparahan Pembayaran Manfaat Strok Tuntutan Pertama Tuntutan Kedua Tuntutan Ketiga Pembedahan Pembedahan Strok Aneurisme Otak Arteri Karotid Ringan Sederhana Serius RM30,000 (RM100,000 x 30%) RM30,000 a ([RM100,000 x 60%] RM30,000) RM40,000 b ([RM100,000 x 100%] [RM30,000 + RM30,000]) Jumlah manfaat yang dibayar = RM30,000 + RM30,000 + RM40,000 = RM100,00 Nota-nota: a Oleh sebab peristiwa penyakit kritikal dalam tuntutan kedua adalah dalam kategori penyakit kritikal yang sama dengan tuntutan pertama, 60% daripada jumlah diinsuranskan selepas menolak manfaat yang telah dibayar untuk tuntutan pertama, akan dibayar. b Baki jumlah diinsuranskan akan dibayar untuk tuntutan ketiga, selepas menolak jumlah manfaat yang telah dibayar untuk tuntutan pertama dan kedua. 2 Manfaat ini tidak akan dibayar selepas 100% daripada jumlah diinsuranskan telah dibayar untuk peristiwa penyakit kritikal lain yang dilindungi. 3 Termasuk 100% jumlah diinsuranskan dan sebarang 20% jumlah diinsuranskan tambahan untuk Penyakit Berkaitan Diabetik.

Early Pay Critical Illness Rider 11 Senario 2 Kategori Penyakit Kritikal yang Berbeza Kategori Penyakit Kritikal Kehilangan Upaya Hidup Sendiri (Berdikari) Pembedahan Pintasan Arteri Koronari Kanser Bilangan Tuntutan Tuntutan Pertama Tuntutan Kedua Perikardektomi Tuntutan Ketiga Kanser Peristiwa Penyakit Kritikal Kehilangan Upaya Hidup Sendiri (Berdikari) Peringkat Awal Keparahan Pembayaran Manfaat Ringan Ringan Serius RM30,000 (RM100,000 x 30%) RM30,000 c (RM100,000 x 30%) RM40,000 d ([RM100,000 x 100%] [RM30,000 + RM30,000]) Jumlah manfaat yang dibayar = RM30,000 + RM30,000 + RM40,000 = RM100,000 Nota-nota: c Peristiwa penyakit kritikal dalam tuntutan kedua adalah dalam kategori penyakit kritikal yang berbeza daripada tuntutan pertama, dan bukanlah daripada pasangan peristiwa penyakit kritikal yang sama dengan tuntutan pertama, dengan itu 30% daripada jumlah diinsuranskan akan dibayar. Walau bagaimanapun, pengecualian akan diguna pakai untuk empat pasangan peristiwa penyakit kritikal yang berikut: i) Kehilangan Upaya Hidup Sendiri (Berdikari) Peringkat Awal, Penyakit Alzheimer Awal, Penyakit Alzheimer Sederhana Serius ii) Kehilangan Upaya Hidup Sendiri (Berdikari) Peringkat Awal, Penyakit Parkinson Awal, Penyakit Parkinson Sederhana Serius iii) Penyakit Arteri Koronari Awal, Perikardektomi, Penggrafan Pintasan Arteri Koronari Langsung Kurang Invasif (MIDCAB) iv) Penyakit Arteri Koronari Lain, Perikardektomi, Penggrafan Pintasan Arteri Koronari Langsung Kurang Invasif (MIDCAB) Bagi pasangan-pasangan di atas, walaupun jika tuntutan seterusnya (dengan tahap keparahan yang serius) adalah daripada kategori penyakit kritikal yang berbeza dengan tuntutan sebelumnya, apa-apa manfaat yang telah dibayar bagi tuntutan sebelumnya akan ditolak daripada jumlah yang perlu dibayar untuk tuntutan seterusnya. Jika tuntutan seterusnya mempunyai tahap keparahan yang sama atau lebih rendah daripada tuntutan sebelumnya, walaupun daripada kategori penyakit kritikal yang berbeza, tiada manfaat akan dibayar bagi tuntutan seterusnya. d Baki jumlah diinsuranskan akan dibayar untuk tuntutan ketiga, selepas menolak jumlah manfaat yang telah dibayar untuk tuntutan pertama dan kedua.

12 Early Pay Critical Illness Rider Senario 3 Kategori Penyakit Kritikal yang Berbeza dengan manfaat tambahan untuk Penyakit Berkaitan Diabetik Kategori Penyakit Kritikal Penyakit Paru-Paru Penyakit Berkaitan Diabetik Penyakit Paru-Paru Pembedahan Otak Bilangan Tuntutan Tuntutan Pertama Tuntutan Kedua Tuntutan Ketiga Tuntutan Keempat Peristiwa Penyakit Kritikal Pembuangan Satu Paru- Paru Menerusi Pembedahan Pembedahan untuk Diabetik Retinopati Jenis 2 Asma Serius Pembedahan Otak Keparahan Sederhana Tidak Berkaitan Ringan Serius Pembayaran Manfaat RM60,000 (RM100,000 x 60%) RM20,000 (RM100,000 x 20%) RM0 e RM40,000 f ([RM100,000 x 100%] RM60,000) Jumlah manfaat yang dibayar = RM60,000 + RM20,000 + RM0 + RM40,000 = RM120,000 Nota-nota: e Bagi kategori penyakit kritikal yang sama, apabila suatu tuntutan dibuat dari mana-mana tahap keparahan, tiada manfaat akan dibayar untuk tuntutan lain bagi tahap keparahan yang lebih rendah atau sama. Dalam kes ini, tiada manfaat akan dibayar kerana Asma Serius merupakan penyakit kritikal yang mempunyai tahap keparahan lebih rendah daripada tuntutan pertama, iaitu Pembuangan Satu Paru-Paru Menerusi Pembedahan. f Baki jumlah diinsuranskan yang akan dibayar bagi tuntutan keempat, selepas menolak jumlah manfaat yang dibayar untuk tuntutan pertama. Manfaat yang dibayar untuk Penyakit Berkaitan Diabetik dalam tuntutan kedua tidak termasuk dalam pengiraan kerana ini merupakan bayaran tambahan keatas jumlah diinsuranskan. Nota: Sila rujuk kepada kontrak polisi untuk maklumat penuh perlindungan manfaat. PERLINDUNGAN Apakah tempoh perlindungan untuk Rider Early Pay Critical Illness? Tempoh perlindungan adalah sehingga umur 70/85 tahun atau apabila tempoh matang pelan asas, yang mana lebih awal. Bilakah perlindungan saya bermula? Perlindungan anda bermula dari tarikh di mana permohonan anda yang telah dilengkapkan dan ditandatangani diluluskan oleh kami dan apabila kami menerima premium yang sewajarnya. Berapakah jumlah diinsuranskan minimum? Jumlah diinsuranskan minimum adalah RM5,000, dan jumlah diinsuranskan mestilah dalam gandaan RM1,000. Apakah pelan asas yang boleh saya lampirkan Rider Early Pay Critical Illness? Pelan ini boleh dilampirkan pada pelan-pelan berkaitan pelaburan premium berkala dan pelanpelan tradisi terpilih.

Early Pay Critical Illness Rider 13 Sekiranya anak yang diinsuranskan didiagnosiskan dengan mana-mana satu peristiwa penyakit kritikal dilindungi, adakah nilai penuh jumlah diinsuranskan akan dibayar? Jumlah diinsuranskan akan dibayar berdasarkan peratusan lien juvenil seperti yang ditunjukkan dalam jadual di bawah ini: Umur pada hari lahir terakhir Peratusan daripada jumlah diinsuranskan yang akan dibayar Kurang daripada 1 tahun 20% 1 tahun 40% 2 tahun 60% 3 tahun 80% 4 tahun atau ke atas 100% KELAYAKAN Adakah saya layak memohon Rider Early Pay Critical Illness? Pelan ini boleh disertai oleh individu yang berumur di antara 4 minggu hingga 60 tahun, tertakluk kepada kelulusan penajajaminan kami. PREMIUM/KOS INSURANS Berapakah premium/kos insurans yang perlu saya bayar? Sila rujuk kepada jadual di bawah untuk beberapa kadar premium/kos insurans tahunan indikatif untuk lelaki bukan perokok yang mempunyai kesihatan standard: Premium/kos insurans tahunan indikatif (hayat piawai) untuk setiap ribu jumlah yang diinsuranskan Lelaki, bukan perokok, kesihatan standard Umur 20 Umur 30 Umur 40 Dilampirkan kepada pelan-pelan tradisi RM7.94 RM13.77 RM24.61 (rider luput pada umur 85)* Dilampirkan kepada pelan-pelan tradisi RM5.80 RM9.80 RM17.50 (rider luput pada umur 70)* Dilampirkan kepada pelan berkaitan pelaburan RM1.11 RM1.40 RM3.46 premium berkala** * Kadar premium untuk rider pembayaran premium bergantung kepada umur pada tarikh permulaan polisi anda, dan premium akan dikurangkan mengikut jumlah diinsuranskan rider terkurang berikutan pembayaran tuntutan. ** Kos insurans untuk rider potongan unit bergantung kepada usia yang dicapai apabila kos insurans ditolak, dan kos insurans akan dikurangkan mengikut jumlah diinsuranskan rider terkurang berikutan pembayaran tuntutan. Sila rujuk kepada ilustrasi jualan yang disediakan oleh ejen untuk maklumat lanjut. Anda hendaklah memastikan bahawa pelan ini menepati keperluan anda dan anda mampu membayar amaun premium yang perlu dibayar di bawah polisi ini.

14 Early Pay Critical Illness Rider Adakah premium/kos insurans saya meningkat selaras dengan peningkatan umur saya? Untuk rider pembayaran premium, kadar premium adalah rata dan berasaskan kepada umur pada tarikh permulaan pelan. Untuk rider potongan unit, kos insurans yang akan dikenakan bergantung kepada umur tercapai anda apabila kos insurans ditolak. Kos insurans akan meningkat selaras dengan peningkatan umur anda. Adakah premium/kos insurans bagi Rider Early Pay Critical Illness dijamin? Premium/kos insurans untuk Rider Early Pay Critical Illness tidak dijamin dan Syarikat berhak menyemak premium/kos insurans tersebut pada masa pembaharuan. Salah satu faktor yang berkemungkinan menyebabkan kenaikan premium/kos insurans ialah pengalaman tuntutan yang bertambah teruk. Faktor yang berkemungkinan menyebabkan semakan dan pembaharuan premium/kos insurans di atas adalah tidak menyeluruh dan premium/kos insurans boleh disemak dalam keadaankeadaan lain yang wajar. Syarikat akan memberi notis terdahulu, sembilan puluh (90) hari secara bertulis melalui pos biasa ke alamat terakhir anda yang berada dalam rekod Syarikat jika semakan tersebut dibuat. Trend kenaikan premium/kos insurans sebelum ini tidak semestinya menggambarkan trend pada masa akan datang. Berapa lamakah tempoh pembayaran premium/penolakan kos insurans bagi Rider Early Pay Critical Illness? Tempoh pembayaran premium/penolakan kos insurans bagi Rider Early Pay Critical Illness adalah sehingga 70/85 tahun atau apabila tempoh matang pelan asas, yang mana lebih awal. YURAN DAN CAJ Apakah yuran dan caj yang perlu saya bayar? Tiada yuran dan caj lain selain daripada premium yang perlu dibayar atau kos insurans yang perlu ditolak. TERMA DAN SYARAT Apakah antara terma-terma dan syarat-syarat penting yang perlu saya ketahui? Kepentingan pendedahan anda mesti mendedahkan kesemua fakta-fakta penting seperti keadaan kesihatan dan menyatakan umur anda dengan betul. Tempoh percubaan anda boleh membatalkan polisi anda dengan mengembalikan kami kontrak polisi dan memberikan kami notis bertulis yang telah anda tandatangani. Kami mesti menerima kedua-dua notis bertulis dan kontrak polisi dalam tempoh 15 hari selepas anda menerima kontrak polisi tersebut. Premium yang telah anda bayar (ditolak sebarang bayaran perubatan yang terlibat) akan dibayar balik kepada anda. Tempoh ihsan anda diberi tempoh ihsan selama 31 hari dari tarikh genap tempoh bagi pembayaran setiap premium berikutnya. Jika premium tidak dibayar pada akhir tempoh ihsan polisi ini, polisi ini mungkin luput, tertakluk kepada nilai tunai polisi. Tempoh tangguh anda perlu menunggu untuk suatu tempoh yang dinyatakan sebelum perlindungan anda berkuatkuasa: i) Tempoh tangguh untuk takrifan peristiwa penyakit kritikal di bawah Keparahan Serius 60 hari dari tarikh penyertaan atau tarikh mula rider, yang mana kemudian, untuk Kanser, Serangan Jantung, Pembedahan Pintasan Arteri Koronari, Penyakit Arteri Koronari Lain yang Serius dan Angioplasti dan Rawatan Pembedahan Lain Untuk Penyakit Arteri Koronari Utama. 30 hari dari tarikh penyertaan atau tarikh mula rider, yang mana kemudian, untuk peristiwa penyakit kritikal yang lain.

Early Pay Critical Illness Rider 15 ii) Tempoh tangguh untuk takrifan peristiwa penyakit kritikal di bawah Keparahan Ringan, Keparahan Sederhana dan Penyakit Berkaitan Diabetik 60 hari dari dari tarikh penyertaan atau tarikh mula rider, yang mana kemudian, untuk semua peristiwa penyakit kritikal. Tempoh penakatan Minimum 30 hari selepas diagnosis peritiswa penyakit kritikal yang dilindungi. Nota: Senarai ini adalah tidak terperinci. Sila rujuk kepada kontrak polisi untuk terma-terma dan syarat-syarat. PENGECUALIAN Apakah pengecualian-pengecualian utama bagi Rider Early Pay Critical Illness? Pelan ini tidak melindungi: Tanda atau gejala peristiwa penyakit kritikal yang ditakrifkan di bawah Keparahan Serius yang timbul sebelum atau dalam tempoh 60 hari dari tarikh penyertaan atau tarikh mula rider, yang mana kemudian, untuk Kanser, Serangan Jantung, Pembedahan Pintasan Arteri Koronari, Penyakit Arteri Koronari Lain yang Serius dan Angioplasti dan Rawatan Pembedahan Lain Untuk Penyakit Arteri Koronari Utama. Tanda atau gejala peristiwa penyakit kritikal yang ditakrifkan di bawah Keparahan Serius yang timbul sebelum atau dalam tempoh 30 hari dari tarikh penyertaan atau tarikh mula rider, yang mana kemudian, untuk peristiwa penyakit kritikal yang lain. Tanda atau gejala peristiwa penyakit kritikal yang ditakrifkan di bawah Keparahan Ringan, Keparahan Sederhana dan Penyakit Berkaitan Diabetik yang timbul sebelum atau dalam tempoh 60 hari dari tarikh penyertaan atau tarikh mula rider, yang mana kemudian. Peristiwa penyakit kritikal yang timbul daripada keadaan sedia ada sebelum tarikh penyertaan atau tarikh mula rider, yang mana kemudian. Peristiwa penyakit kritikal itu didiagnosiskan akibat kecacatan kongenital atau penyakit, yang timbul atau didiagnosiskan sebelum insured mencapai umur tujuh belas (17) tahun. Peristiwa penyakit kritikal disebabkan oleh kecederaan diri sendiri yang disengajakan. Peristiwa penyakit kritikal disebabkan secara langsung atau tidak langsung oleh AIDS atau jangkitan HIV kecuali HIV akibat tranfusi darah. Peristiwa penyakit kritikal di bawah Keparahan Rendah dan Keparahan Sederhana disebabkan secara langsung oleh alkohol atau penyalahgunaan dadah. Peristiwa penyakit kritikal dalam keparahan yang sama atau lebih rendah daripada tuntutan peristiwa penyakit kritikal sebelumnya kecuali Angioplasti dan Rawatan Pembedahan Lain Untuk Penyakit Arteri Koronari Utama. Nota: Senarai ini adalah tidak terperinci. Sila rujuk kepada kontrak polisi untuk senarai pengecualian yang sepenuhnya. PEMBATALAN Bolehkan AIA membatalkan polisi saya? Tidak. Bolehkah saya membatalkan polisi saya? Membeli polisi hayat merupakan komitmen kewangan jangka panjang. Jika anda tidak membayar premium anda dalam tempoh ihsan, polisi anda mungkin luput. Anda boleh membatalkan polisi anda pada bila-bila masa dengan menulis kepada kami jika anda belum lagi membuat tuntutan. Nilai penyerahan tunai tidak akan dibayar semasa pembatalan pelan ini. PENGEMBALIAN SEMULA Bolehkah saya mengembalikan semula polisi saya setelah ia luput? Boleh, anda boleh mengembalikan semula polisi anda tertakluk kepada terma dan syarat Syarikat. Anda mungkin diminta untuk memberikan bukti kesihatan untuk membuktikan kebolehinsuransan anda pada masa pengembalian semula.

16 Early Pay Critical Illness Rider TUNTUTAN Bagaimana saya hendak membuat tuntutan? Anda perlu melengkapkan borang tuntutan yang berkaitan yang boleh didapati daripada ejen AIA anda, dengan menelefon Talian Perkhidmatan Pelanggan AIA di 1300-88-1899 atau mengunjungi mana-mana cawangan AIA. Anda boleh mendapatkan senarai cawangan AIA di Malaysia di belakang brosur ini. Apakah dokumen lain yang perlu diserahkan bersama dengan tuntutan? Di samping borang tuntutan yang diberikan, kami juga memerlukan laporan perubatan (seperti yang dinyatakan di belakang borang tuntutan) untuk menyokong tuntutan. Bilakah saya perlu memberitahu AIA mengenai tuntutan? Sekiranya berlaku tuntutan, anda hendaklah memberitahu kami dengan segera +. + Tempoh pemberitahuan berbeza mengikut jenis tuntutan yang dibuat. Sila rujuk kepada kontrak polisi untuk butiran. PELEPASAN CUKAI Adakah premium yang dibayar untuk Rider Early Pay Critical Illness layak mendapat pelepasan cukai pendapatan? Premium yang dibayar untuk pelan ini mungkin melayakkan anda untuk pelepasan cukai perseorangan tertakluk kepada keputusan muktamad Lembaga Hasil Dalam Negeri. MAKLUMAT Apa yang perlu saya lakukan jika butir-butir hubungan saya bertukar? Adalah penting bagi anda memaklumkan kami mengenai sebarang pertukaran butir-butir hubungan anda untuk memastikan semua surat-menyurat sampai kepada anda tepat pada masanya. Di mana saya boleh mendapatkan maklumat lanjut? Mengenai Rider Early Pay Critical Illness Sekiranya anda memerlukan maklumat tambahan mengenai Rider Early Pay Critical Illness atau mengenai mana-mana pelan insurans atau rider AIA yang lain, anda boleh menghubungi ejen AIA anda, atau menelefon Talian Perkhidmatan Pelanggan AIA kami di 1300-88-1899 atau mengunjungi mana-mana cawangan AIA di seluruh negara. Anda boleh mendapatkan senarai cawangan AIA di belakang brosur ini. Anda juga boleh menghubungi kami melalui emel dengan melayari www.aia.com.my. Mengenai Insurans Perubatan dan Kesihatan Sekiranya anda memerlukan maklumat tambahan mengenai insurans perubatan dan kesihatan, anda juga boleh merujuk buku kecil insuranceinfo mengenai Insurans Perubatan & Kesihatan yang boleh didapati di semua cawangan kami atau anda boleh mendapatkan satu naskah daripada ejen anda atau kunjungi www.insuranceinfo.com.my. NOTA PENTING: ANDA HENDAKLAH MEMASTIKAN BAHAWA POLISI INI MENEPATI KEPERLUAN ANDA. ANDA HENDAKLAH MEMBACA DAN MEMAHAMI POLISI INSURANS PERUBATAN DAN KESIHATAN DAN BERBINCANG DENGAN EJEN ATAU MENGHUBUNGI TERUS SYARIKAT INSURANS UNTUK MAKLUMAT LANJUT. DOKUMEN INI MENGANDUNGI RINGKASAN PRODUK DAN BUKAN KONTRAK INSURANS. KONTRAK POLISI AKAN DITERIMA PAKAI.

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Early Pay Critical Illness Rider 23 Appendix 1 List of Covered Critical Illness Events No Critical Illness Category Low Severity (30% of Sum Assured)* Critical Illness Event Medium Severity (60% of Sum Assured)* High Severity (100% of Sum Assured)* 1 Cancer Carcinoma in situ; or Early Prostate Cancer; or Early Thyroid Cancer; or Early Bladder Cancer; or Early Chronic Lymphocytic Leukaemia Carcinoma in situ and other Early Cancers of Specified Organs Treated with Radical Surgery Cancer 2 Stroke Brain Aneurysm Surgery; or Cerebral Shunt Insertion Carotid Artery Surgery Stroke 3 Heart Attack Cardiac Pacemaker or Defibrillator Insertion Heart Attack 4 Other Serious Coronary Artery Disease Early Coronary Artery Disease Other Coronary Artery Disease Other Serious Coronary Artery Disease 5 Coronary Artery By-Pass Surgery Pericardectomy Minimally Invasive Direct Coronary Artery Bypass Grafting (MIDCAB) Coronary Artery By-Pass Surgery 6 Heart Valve Surgery Percutaneous Valvuloplasty Percutaneous Valve Replacement Heart Valve Surgery 7 Cardiomyopathy Hypertrophic Cardiomyopathy Constrictive Pericarditis with Surgery Severe Cardiomyopathy 8 Aorta Large Asymptomatic Aortic Aneurysm Minimally Invasive Surgery to Aorta Surgery to Aorta 9 Primary Pulmonary Arterial Hypertension Early Primary Pulmonary Arterial Hypertension Primary Pulmonary Arterial Hypertension 10 Lung Disease Severe Asthma Surgical Removal of One Lung End Stage Lung Disease 11 Liver Disease Liver Surgery Liver Cirrhosis End Stage Liver Failure 12 Major Organ/Bone Marrow Transplant Small Bowel Transplant; or Corneal Transplant Major Organ/Bone Marrow Transplant (on waiting list) Major Organ/Bone Marrow Transplant 13 Parkinson s Disease Early Parkinson s Disease Moderately Severe Parkinson s Disease Severe Parkinson s Disease 14 Alzheimer s Disease/ Irreversible Organic Degenerative Brain Disorders Early Alzhemier s Disease Moderately Severe Alzheimer s Disease * Subject to terms and conditions, please refer to the policy contract for full details. Severe Alzheimer s Disease/Irreversible Organic Degenerative Brain Disorders

24 Early Pay Critical Illness Rider No Critical Illness Category Low Severity (30% of Sum Assured)* Critical Illness Event Medium Severity (60% of Sum Assured)* High Severity (100% of Sum Assured)* 15 Coma Coma for 48 hours Coma for 72 hours Coma 16 Loss of Sight Loss of Sight in One eye Retinitis Pigmentosa Blindness/Total loss of Sight 17 Loss of Hearing Partial Loss of Hearing; or Cavernous Sinus Thrombosis Surgery Cochlear Implant Surgery Deafness/Total Loss of Hearing 18 Kidney Failure Surgical Removal of One Kidney Chronic Kidney Disease End Stage Kidney Failure 19 Blood Occupationally Acquired Hepatitis B or C HIV Due To Blood Transfusion 20 Aplastic Anaemia Reversible Aplastic Anaemia Chronic Aplastic Anaemia 21 Bacterial Meningitis Bacterial Meningitis with Full Recovery Bacterial Meningitis 22 Brain Tumour Surgical Removal of Pituitary Tumour via Trans Sphenoidal Hypophysectomy Benign Brain Tumour 23 Brain Surgery Surgery for Subdural Haematoma Brain Surgery 24 Encephalitis Encephalitis with Full Recovery Encephalitis 25 Head Trauma Mild Head Trauma Major Head Trauma 26 Loss of Speech Loss of Speech (other than injury or illness to the vocal cords) Loss of Speech 27 Medullary Cystic Disease Chronic Glomerulonephritis Medullary Cystic Disease 28 Loss of Independent Existence Early Loss of Independent Existence Loss of Independent Existence 29 Motor Neurone Disease Early Motor Neurone Disease Motor Neurone Disease 30 Multiple Sclerosis Early Multiple Sclerosis Multiple Sclerosis * Subject to terms and conditions, please refer to the policy contract for full details.

Early Pay Critical Illness Rider 25 No Critical Illness Category Low Severity (30% of Sum Assured)* Critical Illness Event Medium Severity (60% of Sum Assured)* High Severity (100% of Sum Assured)* 31 Muscular Dystrophy Spinal Cord Disease or Injury resulting in Bowel and Bladder Dysfunction Muscular Dystrophy 32 Paralysis/Paraplegia Loss of Use of One Limb Paralysis/Paraplegia 33 Burns Moderately Severe Burns Major Burns 34 Fulminant Viral Hepatitis Fulminant Viral Hepatitis 35 Terminal Illness Terminal Illness * Subject to terms and conditions, please refer to the policy contract for full details. Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease No Critical Illness Category Critical Illness Event Percentage (%) of Sum Assured 36 Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease Angioplasty and other Invasive Treatments for Major Coronary Artery Disease 10% or RM25,000, whichever is lower

26 Early Pay Critical Illness Rider Lampiran 1 Senarai Peristiwa Penyakit Kritikal yang Dilindungi Bil 1 Kategori Penyakit Kritikal Kanser Keparahan Ringan (30% daripada Jumlah Diinsuranskan)* Karsinoma in situ; atau Kanser Prostat Awal; atau Kanser Tiroid Awal; atau Kanser Pundi Awal; atau Leukemia Limfositik Kronik Awal Peristiwa Penyakit Kritikal Keparahan Sederhana (60% daripada Jumlah Diinsuranskan)* Karsinoma in situ dan Kanser Awal Organ Khusus lain yang dirawat dengan Pembedahan Radikal Keparahan Serius (100% daripada Jumlah Diinsuranskan)* Kanser 2 Strok Pembedahan Aneurisme Otak; atau Pemasukan Pintasan Serebrum Pembedahan Arteri Karotid Strok 3 Serangan Jantung Pemasukan Perentak atau Defibrilator Jantung Serangan Jantung 4 Penyakit Arteri Koronari Lain Yang Serius Penyakit Arteri Koronari Awal Penyakit Arteri Koronari Lain Penyakit Arteri Koronari Lain Yang Serius 5 Pembedahan Pintasan Arteri Koronari Perikardektomi Penggrafan Pintasan Arteri Koronari Langsung Kurang Invasif (MIDCAB) Pembedahan Pintasan Arteri Koronari 6 Pembedahan Injap Jantung Valvuloplasti Perkuteneus Penggantian Injap Perkutaneus Pembedahan Injap Jantung 7 Kardiomiopathi Kardiomiopati Hipertrofik Perikarditis Konstriktif dengan Pembedahan Kardiomiopathi Teruk 8 Aorta Aneurisme Aorta Asimtomatik Besar Pembedahan Kurang Invasif ke atas Aorta Pembedahan Aorta 9 Hipertensi Arteri Pulmonari Primer Hipertensi Arteri Pulmonari Primer Awal Hipertensi Arteri Pulmonari Primer 10 Penyakit Paru-Paru Asma Serius Pembuangan Satu Paru-Paru Menerusi Pembedahan Penyakit Paru-Paru Tahap Akhir 11 Penyakit Hati Pembedahan Hati Sirosis Hati Kegagalan Hati Tahap Akhir 12 Pemindahan Organ Utama/Sumsum Tulang Pemindahan Usus Kecil; atau Pemindahan Kornea Pemindahan Organ Utama/Sumsum Tulang (dalam senarai menunggu) Pemindahan Organ Utama/Sumsum Tulang 13 Penyakit Parkinson Penyakit Parkinson Awal Penyakit Parkinson Sederhana Serius Penyakit Parkinson Serius * Tertakluk kepada terma dan syarat, sila rujuk kepada kontrak polisi untuk maklumat penuh.

Early Pay Critical Illness Rider 27 Bil 14 Kategori Penyakit Kritikal Penyakit Alzheimer/ Gangguan Kemerosotan Otak Organik Tidak Boleh Pulih Keparahan Ringan (30% daripada Jumlah Diinsuranskan)* Penyakit Alzheimer Awal Peristiwa Penyakit Kritikal Keparahan Sederhana (60% daripada Jumlah Diinsuranskan)* Penyakit Alzheimer Sederhana Serius Keparahan Serius (100% daripada Jumlah Diinsuranskan)* Penyakit Alzheimer/ Gangguan Kemerosotan Otak Organik Tidak Boleh Pulih Serius 15 Koma Koma selama 48 jam Koma selama 72 jam Koma 16 Hilang Penglihatan Kehilangan Penglihatan Sebelah Mata Retinitis Pigmentosa Kebutaan/Hilang Penglihatan Menyeluruh 17 Hilang Pendengaran Kehilangan Sebahagian Pendengaran; atau Pembedahan Trombosis Sinus Kavernus Pembedahan Implan Koklear Kepekakan/Hilang Pendengaran Menyeluruh 18 Kegagalan Buah Pinggang Pembuangan Satu Buah Pinggang Menerusi Pembedahan Penyakit Buah Pinggang Kronik Kegagalan Buah Pinggang Tahap Akhir 19 Darah Hepatitis B atau C yang Diperolehi Menerusi Pekerjaan HIV Akibat Transfusi Darah 20 Anemia Aplastik Anemia Aplastik Boleh Dipulihkan Anemia Aplastik Kronik 21 Meningitis Bakteria Meningitis Bakteria dengan Pemulihan Penuh Meningitis Bakteria 22 Tumor Otak Pembedahan Pembuangan Tumor Pituitari Menerusi Hipofisektomi Trans Sfenoidal Tumor Otak Benigna 23 Pembedahan Otak Pembedahan bagi Hematoma Subdura Pembedahan Otak 24 Ensefalitis Ensefalitis dengan Pemulihan Penuh Ensefalitis 25 Trauma Kepala Trauma Kepala Sederhana Trauma Kepala Utama 26 Hilang Pertuturan Hilang Pertuturan (selain dari kecederaan atau penyakit pada pita suara) Hilang Pertuturan * Tertakluk kepada terma dan syarat, sila rujuk kepada kontrak polisi untuk maklumat penuh.

28 Early Pay Critical Illness Rider Bil 27 28 29 Kategori Penyakit Kritikal Penyakit Sistik Medulari Kehilangan Upaya Hidup Sendiri (Berdikari) Penyakit Neuron Motor Keparahan Ringan (30% daripada Jumlah Diinsuranskan)* Glomerulonefritis Kronik Kehilangan Upaya Hidup Sendiri (Berdikari) Peringkat Awal Penyakit Neuron Motor Peringkat Awal Peristiwa Penyakit Kritikal Keparahan Sederhana (60% daripada Jumlah Diinsuranskan)* Keparahan Serius (100% daripada Jumlah Diinsuranskan)* Penyakit Sistik Medulari Kehilangan Upaya Hidup Sendiri (Berdikari) Penyakit Neuron Motor 30 Sklerosis Berbilang Sklerosis Berbilang Peringkat Awal Sklerosis Berbilang 31 Distrofi Otot Penyakit Saraf Tunjang atau Kecederaan yang menyebabkan Gangguan Usus dan Pundi Distrofi Otot 32 Kelumpuhan/ Paralegia Hilang Penggunaan Satu Anggota Kelumpuhan/ Paralegia 33 Melecur Melecur Sederhana Melecur Teruk 34 35 Hepatitis Virus Fulminan Penyakit Membawa Maut Hepatitis Virus Fulminan Penyakit Membawa Maut * Tertakluk kepada terma dan syarat, sila rujuk kepada kontrak polisi untuk maklumat penuh. Angioplasti dan Rawatan Pembedahan Lain Untuk Penyakit Arteri Koronari Utama Bil Kategori Penyakit Kritikal Peristiwa Penyakit Kritikal Peratusan (%) Jumlah Diinsuranskan 36 Angioplasti dan Rawatan Pembedahan Lain Untuk Penyakit Arteri Koronari Utama Angioplasti dan Rawatan Pembedahan Lain Untuk Penyakit Arteri Koronari Utama 10% atau RM25,000, mana-mana yang lebih rendah

Early Pay Critical Illness Rider 29

30 Early Pay Critical Illness Rider

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