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Fairlady Plus Insurance PolicyBe independent and enjoy peace-of-mind with Fairlady Plus
Overview
An insurance plan that is designed to take care of the special needs of young, up and coming career women who are constantly on the move!
Facts remain that Breast Cancer is still the most common cancer, affecting females. A woman in Malaysia has 1 in 19 probabilities of getting breast cancer in her lifetime with almost 4,000 cases reported each year. This is followed by Cervical Cancer being the second most common cancer, affecting females with an incidence of around 1,500 cases reported each year.
With these facts in mind, we are pleased to introduce “Fairlady Plus”, an insurance plan that can help to relief such worries when a health crisis occurs. “Fairlady Plus” also comes with a host of other benefits such as high sum insured for any accidental causes, medical expenses (covers all diseases as a result of bites from insects, animals and snakes ie dengue fever besides accidental causes), maternity risks and HIV infection coverage as described below.
All this coverage only costs you 0.35 each day. So, insist on protection today to enjoy the peace of mind you deserve.
In addition, for early birds who sign-up from now until 14th July 2006, a cancer marker-screening voucher will be given away.
There are more reasons for you to enroll!
- 24 hours protection and worldwide coverage
- Premium maintain at entry age and will not increase as age advances
- No medical examination required
- Aged banded premium (younger group can enjoy lower premium)
- High Sum Insured on Death and Permanent Disablement Cover
- High Sum Insured on Double Indemnity cover
- 15 days Free Look Period
- HIV infection due to any one of the following 3 medical reasons:
- Blood transfusion
- Organ transplant to the Insured
- Assisted reproductive technique
- Covering high age limit, renewable up to 65 years old
- 5 plans to cater for different needs and affordability
Table of Benefits
| Product Code |
AMFI 1 |
AMFI 2 |
AMFI 3 |
AMFI 4 |
AMFI 5 |
| Description of benefits |
Plan A
RM |
Plan B
RM |
Plan C
RM |
Plan D
RM |
Plan E
RM |
| 1 |
Death
(due to accident) |
50,000 |
100,000 |
150,000 |
200,000 |
250,000 |
| 2 |
Peanent Disablement |
50,000 |
100,000 |
150,000 |
200,000 |
250,000 |
| 3 |
Double Indemnity |
100,000 |
200,000 |
300,000 |
400,000 |
500,000 |
| 4 |
Medical Expenses |
1,000 |
1,500 |
2,000 |
2,500 |
3,000 |
| 5 |
Female Cancer |
10,000 |
20,000 |
30,000 |
40,000 |
50,000 |
| 6 |
Maternity Risks |
10,000 |
20,000 |
30,000 |
40,000 |
50,000 |
| 7 |
Facial and Dental Care (due to accident) |
5,000 |
8,000 |
10,000 |
13,000 |
15,000 |
| 8 |
Breast Reconstructive Surgery |
5,000 |
8,000 |
10,000 |
13,000 |
15,000 |
| 9 |
HIV Infection |
5,000 |
8,000 |
10,000 |
13,000 |
15,000 |
Choice of Plan (inclusive of 10 stamp duty)
| PLAN |
AMFI 1 |
AMFI 2 |
AMFI 3 |
AMFI 4 |
AMFI 5 |
| Age |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
| 18-24 |
129.00 |
230.00 |
326.00 |
412.00 |
499.00 |
| 25-31 |
152.00 |
278.00 |
387.00 |
481.00 |
558.00 |
| 32-38 |
171.00 |
326.00 |
472.00 |
607.00 |
735.00 |
| 39-45 |
221.00 |
415.00 |
599.00 |
782.00 |
957.00 |
| 46-52 |
234.00 |
455.00 |
661.00 |
869.00 |
1062.00 |
| 53-60 |
271.00 |
511.00 |
716.00 |
923.00 |
1126.00 |
| Renewable up to 65 years |
Description of Benefits
| Accidental Death |
- Lump sum payment to the legal representative of the Insured.
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| Peanent Disablement |
- Pays the Insured up to the limit as per plan selected according to Table of Disablement.
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| Double Indemnity |
- Lump sum payment for death as the result of an accident whilst traveling on a public transport.
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| Medical Expenses |
- Reimburses the Insured for medical expenses incurred as a result of accident or diseases arising out of or resulting from insect and/or snake and/or animal bites.
- Includes expenses incurred for hospital (including Room and Board), clinical, medical and surgical treatments and cost of obtaining medical report.
|
| Female Cancer |
- Lump sum payment as per plan selected upon confied diagnosis of cancer of Breast, Cervix, Uterus, Fallopian Tubes, Vulva/Vagina and Ovary.
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| Maternity Risks |
- Lump sum payment as the result of death due to pregnancy complications, miscarriage and/or complication of giving birth to a child within 30 days delivery.
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| Facial and Dental Care (Due to Accident) |
- Reimbursement of medical expenses incurred in addition to benefit payable for medical expenses for treatment or reconstructive surgery of facial / neck (at or above the neck) disfigurement or damage to the natural teeth following injuries sustained as a result of accident.
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| Breast Reconstructive Surgery (Due to Cancer and / or Accident) |
- Upon renewal of the policy, the original death or peanent disablement benefit will be increased by 10% per year up to maximum of 30% regardless of claim experience. Premium remains unchanged.
- Reimbursement of medical expenses incurred to the Insured whilst hospitalised as an in patient or seek treatment as an outpatient for treatment of reconstructive surgery of breast disfigurement up to the limit as per plan selected.
- Such treatment is deemed to be medically necessary and perfoed by Medical Practitioner within 12 calender month from the date of occurrence.
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| HIV Infection |
- Lump sum payment to the Insured upon diagnosis of HIV infection due to any of the 3 (three) medically necessary events:-
- Blood Transfusion
- Organ Transplant to the Insured
- Assisted Reproductive Techniques
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| Extension Coverage for Personal Accident Benefits with NO ADDITIONAL PREMIUM |
- Riot Strike Civil Commotion Endorsement
- Disappearance
- Accidental Gas Inhalation, Drowning, Food Poisoning and Intoxication
- Exposure to Elements
- Accidental Suffocation Through Smoke and Fumes
- Insect, Snake And/Or Animal Bites (including diseases)
- Hunting
- Motorcycling
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| Age Eligibility |
- This plan shall cover eligible persons between the ages of 18 and 60 years, and is renewable up to the age of 65.
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