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* When an Insured Person is confirmed by the doctor as suffering from any one of the covered illnesses, he or she will be paid a lump sum payment at the end of the 21 days (survival period)



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Key Benefit
The Insured Person will receive a lump sum amount of up to RM50,000 in the event he or she has been diagnosed
and confirmed as suffering from any one of the Critical illnesses as defined in the Policy.

Terms & Conditions
The Critical Illness experienced by the Insured Person is the first incident of that Critical Illness. Diagnosis is after the 'Elimination Period'. 'Elimination Period' means a period of ninety (90) days from the effective date of the Policy. Any major illnesses contracted or suffered during this period will not be covered.There is also a 21-day survival period after the date of the diagnosis of the specific critical illness before the claim is paid.

List of Critical Illnesses Covered

1.

Amyotrophic Lateral Sclerosis

 19.

Major Burns

2.

Aplastic Anaemia

20.

Major Organ Transplant

3.

Alzheimer's Disease

21.

Medullary Cystic Disease

4.

Apallic Syndrome

22.

Motor Neurone Disease

5.

Bacterial Meningitis

23.

Muscular Dystrophy

6.

Benign Brain Tumour

24.

Myocardial Infarction

7.

Blindness

25.

Paralysis

8.

Brain Surgery

26.

Parkinson's Disease

9.

Cancer

27.

Poliomyelitis

10.

Coma

28.

Primary Pulmonary Arterial Hypertension

11.

Coronary Artery Bypass Surgery

29.

Progressive Bulbar Palsy

12.

Fulminant Viral Hepatitis

30.

Progressive Muscular Atrophy

13.

Heart Valve Replacement

31.

Severe Brain Damage

14.

Kidney Failure

32.

Stroke

15.

Liver Failure

33.

Surgery to Aorta

16.

Loss of Hearing

34.

Systematic Lupus Erythematosus

17.

Loss of Limbs

 35.

Terminal Illness

18.

Loss of Speech

 36.

Total Permanent Disability




EXCLUSIONS
Like all other critical illness policies, there are exclusions such as: pre-existing conditions; illnesses contracted
during elimination period; suicide;self-inflicted injury; illnesses contracted from alcohol abuse and drug abuse;
any congenital disease; illegal acts; infection with HIV or AIDS and illnesses contracted from the use of nuclear
weapons material.



Protect Public Employees from Workplace Accidents

Voluntary Hospital Income Plan

Health care charges are on the rise and the ACE Voluntary Hospital Income plan can help supplement the significant hospitalization, medical and other out-of-pocket expenses.


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 Coverage   Plan 1   Plan 2   Plan 3
 Daily Hospital Cash (up to 730 days)  RM100 per day  RM200 per day  RM300 per day
 Additional ICU Benefit  RM200 per day  RM400 per day  RM600 per day

Monthly Premium (RM)
PLAN 1
 Insured Employee only  Insured Employee
& Spouse
 Insured Employee
& Family
Insured Employee
& Children
 Age 18-29  RM10.60  RM21.20 RM27.80 
RM17.20 
 Age 30-39   RM15.80 
 RM31.60 RM38.20 
RM22.40 
 Age 40-49   RM21.10 
 RM42.20 RM48.80 RM27.70
 Age 50-59  RM30.30  RM60.60 RM67.20 
RM36.90
 Age 60-65
 (upon renewal)
 RM39.60  RM79.20 RM85.80  RM46.20

Monthly Premium (RM)
PLAN 2
 Insured Employee only  Insured Employee
& Spouse
 Insured Employee
& Family
Insured Employee
& Children
 Age 18-29  RM21.20  RM42.40 RM55.60  RM34.40  
 Age 30-39   RM31.60 
 RM63.20  RM76.40 
RM44.80 
 Age 40-49   RM44.20 
 RM84.40 RM97.60 RM55.40
 Age 50-59  RM60.60  RM121.20  RM134.40 
RM73.80
 Age 60-65
 (upon renewal)
 RM79.20  RM158.40 RM171.60  RM92.40

Monthly Premium (RM)
PLAN 3
 Insured Employee only  Insured Employee
& Spouse
 Insured Employee
& Family
Insured Employee
& Children
 Age 18-29  RM31.80  RM63.60 RM83.40 
RM51.60 
 Age 30-39   RM47.40 
 RM94.80 RM114.60 
RM67.20 
 Age 40-49   RM63.30 
 RM126.60 RM146.40 RM83.10
 Age 50-59  RM90.90  RM181.80 RM201.60 
RM110.70
 Age 60-65
 (upon renewal)
 RM118.80  RM237.60 RM257.40  RM138.60


* Each dependent child will be entitled to 25% of the above coverage except Child's Education Benefit. "Child" is
defined as any legally dependent, unmarried children (including stepchildren and legally adopted children) over 30
days but under 21 years old.


Basic Daily Hospital Income Benefit

This protection provides the Insured Person with daily Hospital Income benefit of up to RM300 a day (for up to 730
days) in the event of an Accident or Sickness where the Insured Person is hospitalized.There are no restrictions on
the choice of hospital or types of rooms because the cash benefits are paid directly to the Insured Person for use in
any way.


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.




It Shouldn't happen to me


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.

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 Coverage  Plan 1  Plan 2  **Additional Benefits per Unit
 Accidental Death and Permanent Disablement  RM50,000  RM100,000  RM50,000
 Accident In-Hospital Income(up to 730 days)  RM100 per day  RM200 per day  
 Funeral Expenses  RM1,000  RM2,000  
 Child's Education  RM5,000  RM10,000  

 Monthly Premium (RM)  Plan 1  Plan 2  ** Additional Premium per Unit
 Individual Only  RM7.40  RM12.80  RM4.00
 Individual & Family  RM16.90   RM30.80  RM10.50


* 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


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 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 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 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.


"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.


"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.

Please click here for the percentage of the Sum Insured payable in respect of specific disabilities.


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