Voluntary Critical Illness Plan
When the confinement of an Insured Person necessitates
Critical Illness can strike anyone, anytime but it does not have to be
Daily Intensive Care Hospital Income Benefit
When the confinement of an Insured Person necessitates
Intensive Care treatment, then the relevant Daily Hospital
Income benefit described above applicable to such Insured
Person, shall be doubled for the duration of such Daily Intensive
Care hospitalization.
The Daily Hospital Income benefit amount and Daily Intensive
Care Hospital Income
benefit amount shall be paid for each confinement. This is for
a period not exceeding seven hundred and thirty (730) consecutive
days for all such confinements consequent upon Sickness or
bodily Injury resulting from any one accident or series of accidents
and provided that:
The Daily Hospitalization benefit payable is calculated from the
first day of hospitalization.
However, no benefits shall be payable for a hospital stay less
than one day (24 hours).
Hospital confinement must occur within thirty (30) days from the
date of the accident which results in bodily injury.
EXCLUSIONS
Like all other Hospital income plans there are certain exclusions
such as war; self inflicted injury; illegal acts of the Insured;
pregnancy; AIDS and AIDS related complex (ARC);
routine physical examination; driving while intoxicated;
personnel in the military services;
and defense \and law enforcement such as Police; certain
hazardous sporting activities;
engaging in aviation other than a fare-paying passenger in an
aircraft operated by a licensed airline. Pre-existing conditions
during the first year of coverage under the plan.
Income benefit described above applicable to such Insured
Person, shall be doubled for the duration of such Daily Intensive
Care hospitalization.
The Daily Hospital Income benefit amount and Daily Intensive
Care Hospital Income
benefit amount shall be paid for each confinement. This is for
a period not exceeding seven hundred and thirty (730) consecutive
days for all such confinements consequent upon Sickness or
bodily Injury resulting from any one accident or series of accidents
and provided that:
The Daily Hospitalization benefit payable is calculated from the
first day of hospitalization.
However, no benefits shall be payable for a hospital stay less
than one day (24 hours).
Hospital confinement must occur within thirty (30) days from the
date of the accident which results in bodily injury.
EXCLUSIONS
Like all other Hospital income plans there are certain exclusions
such as war; self inflicted injury; illegal acts of the Insured;
pregnancy; AIDS and AIDS related complex (ARC);
routine physical examination; driving while intoxicated;
personnel in the military services;
and defense \and law enforcement such as Police; certain
hazardous sporting activities;
engaging in aviation other than a fare-paying passenger in an
aircraft operated by a licensed airline. Pre-existing conditions
during the first year of coverage under the plan.
Voluntary Personal Accident Plan
Accidental injury can bring about financially devastating consequences.
ACE has put together some plans to give you and your family sufficient protection.
ACE has put together some plans to give you and your family sufficient protection.
| Coverage | Plan 1 | Plan 2 | **Additional Benefits per Unit | * Each dependent child will be entitled to 25% of the above coverage except Child's Education Benefit. 'Child' means any legally dependent, unmarried children (including stepchildren and legally adopted children) over 30 days but under 21 years old. * Each dependent child will be entitled to 25% of the above coverage except Child's Education Benefit. 'Child' means any legally dependent, unmarried children (including stepchildren and legally adopted children) over 30 days but under 21 years old. ** Each individual can obtain coverage of up to a maximum of 6 units |
| Accidental Death and Permanent Disablement | RM50,000 | RM100,000 | RM50,000 | Basic Personal Accident Benefit In the event of an accident which results in Death or Permanent Disablement benefit of up to RM100,000. |
| Accident In-Hospital Income(up to 730 days) | RM100 per day | RM200 per day | Accident In-Hospital Income Benefit This protection provides the Insured Person with an additional hospital income of up to RM200 a day (up to 730 days) in the event of an accident, where the Insured Person is hospitalized. Cash benefits are paid directly to the Insured Person and can be used to cover stays in any hospital or room type. The Daily Hospitalization benefit payable is calculated from the first day of hospitalization. However, no benefits shall be payable for a hospital stay that is less than one day (24 hours). Hospital Confinement must occur within 20 days from the date of the accident which results in Bodily Injury. | |
| Funeral Expenses | RM1,000 | RM2,000 | Funeral Expenses Benefit In the event the Insured Person sustains Bodily Injury which results in death within 365 days from the date of the accident, he or she will receive a Funeral Expenses benefit of up to RM2,000. | |
| Child's Education | RM5,000 | RM10,000 | Child's Education Benefit If the insured employee or the Insured Spouse sustains bodily injury which results in Death within 365 days from the date of the accident, he or she will receive the lump sum amount of the Child's Education benefit of up to RM10,000. |
| Monthly Premium (RM) | Plan 1 | Plan 2 | ** Additional Premium per Unit | "Permanent Total Disablement" shall mean disablement suffered for at least 12 months and will in all probability entirely prevent the insured person from engaging in any occupation for which he or she is capable by reason of education ,training or experience for the remainder of his or her life and which is beyond reasonable hope of improvement. |
| Individual Only | RM7.40 | RM12.80 | RM4.00 | "Bodily Injury" shall mean Accidental Bodily Injury which, within 12 months from the date of accident, results in the Insured Person's death, dismemberment or permanent and irrevocable disablement solely and independent of any other cause. |
| Individual & Family | RM16.90 | RM30.80 | RM10.00 | Please click here for the percentage of the Sum Insured payable in respect of specific disabilities. |
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