product disclosure sheet - mxm international · jika anda memilih untuk memasukkan pilihan tambahan...
TRANSCRIPT
MediSavers TakafulSame Traditions, Strong Values
PRODUCT DISCLOSURE SHEETHELAIAN KETERANGAN PRODUK
Please read this Product Disclosure Sheet before you decide to participate in MediSavers Takaful. Be sure to also read the general terms and conditions.
Sila baca Helaian Keterangan Produk ini sebelum anda membuat keputusan untuk menyertai MediSavers Takaful. Sila pastikan juga anda membaca terma dan syarat am.
What is this product?
This product offers a comprehensive coverage for costs of medical treatment incurred by the person covered for hospitalization, day surgery costs and various outpatient treatments. MediSavers Takaful Hospital & Surgical is a tailor-made product to suit your medical needs. The cover duration is one (1) year and you may renew your Takaful Certificate on an annual or monthly basis before the certificate anniversary.
What are the covers or benefits provided?
This product comprises two (2) Sections which are:
Takaful product shall only be valid until 30 June 2115 from the launch date unless cancelled or withdrawn in accordance with the terms and conditions stipulated in this certificate. The launch date is 12 April 2016 and the product will no longer be valid after 30 June 2115.
The annual renewal contributions payable are not guaranteed. The Company reserves the right to revise the contribution rate every three (3) years and the respective revised contribution shall be applicable at the time of next renewal. Such changes shall be applicable to all certificate holders irrespective of their claims experiences and shall be in accordance with the Company’s risk assessment.
All calculations and payments made by the participant under this Agreement are payable to the respective party in Singapore Dollar (SGD) currency.
How much contribution do I have to pay?
The contribution you have to pay may vary depending on :
If you choose to include the Optional Top-Up Takaful, you will need to pay additional contribution for the additional cover. Where the basic certificate is subject to a contribution loading, the same contribution loading will be applied to the additional contribution for the Optional Top-Up Takaful.
Renewal contribution will automatically be adjusted on entering the next age group. Contribution may also be adjusted should there be changes to your occupation at the time of renewal. The contributions for standard risks are as per the Table of Contribution on page 5, and are inclusive of the Goods and Services Tax.
What are the fees and charges that I have to pay?
Apakah produk ini?
Produk ini menawarkan perlindungan komprehensif bagi kos rawatan perubatan yang ditanggung oleh peserta bagi kemasukan ke hospital, kos pembedahan harian dan pelbagai rawatan pesakit luar. MediSavers Takaful Hospital & Pembedahan adalah produk yang direka khas untuk memenuhi keperluan perubatan. Tempoh perlindungan adalah selama satu (1) tahun. Anda boleh memperbaharui sijil takaful anda pada setiap tahun atau secara bulanan sebelum tamat tempoh sijil.
Apakah perlindungan atau manfaat yang ditawarkan?
Produk ini terdiri daripada dua (2) bahagian iaitu:
Produk ini hanya sah sehingga 30 Jun 2115 dari tarikh pelancaran melainkan jika dibatalkan atau ditarik balik mengikut terma dan syarat yang ditetapkan dalam sijil ini. Tarikh pelancaran adalah 12 April 2016 dan produk ini tidak lagi sah selepas 30 Jun 2115.
Tiada jaminan bagi Caruman pembaharuan tahunan yang perlu dibayar. Semakan semula kadar caruman oleh Pengendali Takaful akan dilakukan setiap tiga tahun dan caruman selepas semakan ini akan digunapakai pada masa pembaharuan yang akan datang. Perubahan tersebut akan digunapakai kepada semua pemegang sijil tanpa mengira pengalaman tuntutan dan berdasarkan penilaian risiko Pengendali Takaful.
Semua pengiraan dan pembayaran yang dibuat oleh peserta di bawah sijil ini akan dibayar kepada pihak yang berkenaan menggunakan mata wang Dolar Singapura (SGD).
Berapakah jumlah caruman Takaful yang perlu dibayar?
Caruman yang anda perlu bayar bergantung kepada:
Jika anda memilih untuk memasukkan Pilihan Tambahan Takaful, anda perlu membayar caruman tambahan bagi perlindungan tambahan. Jika Sijil asas adalah tertakluk kepada pertambahan caruman, maka pertambahan caruman yang sama akan digunapakai bagi caruman tambahan bagi Pilihan Tambahan Takaful.
Caruman pembaharuan secara automatik akan diselaraskan apabila umur anda beralih kepada kumpulan umur seterusnya. Caruman juga akan diselaraskan jika pekerjaan anda berubah pada masa pembaharuan dilakukan. Caruman untuk risiko biasa adalah seperti di dalam Jadual Caruman pada mukasurat 5 (termasuk cukai barang dan perkhidmatan).
Apakah yuran dan caj yang perlu dibayar?
SECTION A / BAHAGIAN A SECTION B / BAHAGIAN B
Basic Coverage / Perlindungan Asas Top-up Coverage / Perlindungan Tambahan
ANNUAL OR MONTHLY cONTRibUTiON based on bAYAR secARA TAHUNAN ATAU bULANAN berdasarkan
Choice of plan / Pilihan Pelan
Occupation / Pekerjaan
Age group (age next birthday) / Kumpulan Umur (Umur Ulang Tahun Seterusnya)
Underwriting requirements / Pengunderaitan oleh penggubal polisi Pengendali Takaful
CONTRIBUTION / CARUMAN AS PER PLAN / SEPERTI DALAM PELAN
Stamp Duty / Duti Setem No Stamp Duty / Tiada Duti Setem
Goods and Services Tax / Cukai Barang dan Perkhidmatan 6% of Gross Contribution / 6% Kadar Caruman Kasar
2
What are some of the key terms and conditions that I should be aware of?
• Deductible Per Disability This is the amount of expenses you will bear for each disability. Only the amount exceeding this deductible (and all avenues of compensation from the basic Takaful certificate to which the Endorsement is attached) will be payable by this certificate.
• Cooling-Off Period If this certificate shall have been issued and for any reason whatsoever the covered person shall decide not to take up the certificate, the covered person may return the certificate to Archipelago Insurance Limited for cancellation provided such request for cancellation is delivered by the covered person to Archipelago Insurance Limited within fifteen (15) days from the date of delivery of the certificate. The covered person is entitled to the return of the full contribution paid less deduction of any expenses incurred by Archipelago Insurance Limited in the issue of the certificate.
• Qualifying or Waiting Period The eligibility for benefits under the certificate will only start thirty (30) days after the effective date of the certificate except for accident. Unless renewed, the coverage will automatically cease on the expiry date and Archipelago Insurance Limited shall strictly not be liable for any expense that takes place on the date and thereafter.
• Upgraded Room and Board Co-Payment You will have to pay 20% of the eligible expenses if you are hospitalised at a published room and board rate which is higher than what you are entitled.
• Upgrading Covered Plan Application for upgrading of plan can only be made on next renewal date and is subject to underwriting and acceptance by Archipelago Insurance Limited.
Note:This list is non-exhaustive. Please refer to the certificate agreement for the full list of terms and conditions under this certificate.
Can I choose to be treated overseas?
The product provides protection when the certificate:-• Extended to cover elective treatment in Singapore and Brunei by paying a contribution loading as imposed by Archipelago Insurance Limited.• Whilst you travel or reside overseas for not more than ninety (90) consecutive days, seek overseas medical treatment when treatment is not available in Malaysia or upon recommendation of a panel physician from company panel.
Note:This list is non-exhaustive. Please refer to the certificate agreement for the full list of terms and conditions under this certificate.
Apakah terma dan syarat utama yang perlu diketahui?
• Deduktibel Setiap Hilang Upaya Ini adalah jumlah perbelanjaan yang anda akan tanggung bagi setiap hilang upaya. Hanya jumlah yang melebihi deduktibel ini (dan semua pampasan daripada sijil takaful asas dimana Endosmen dilampirkan) akan dibayar oleh sijil ini..
• Tempoh Bertenang Jika sijil ini telah dikeluarkan dan atas sebarang sebab peserta / orang yang dilindungi memutuskan untuk tidak menerima sijil itu/ membatalkan, peserta/ orang yang dilindungi boleh mengembalikan sijil tersebut kepada Pengendali Takaful dalam tempoh lima belas (15 ) hari dari tarikh Sijil diterima. Peserta / Orang yang dilindungi berhak mendapat pemulangan caruman yang telah dibayar setelah ditolak dengan perbelanjaan yang dilakukan oleh Pengendali Takaful sepanjang tempoh pengeluaran sijil hingga pembatalan sijil terbabit.
• Kelayakan atau Tempoh Menunggu Kelayakan untuk manfaat di bawah sijil ini hanya akan bermula tiga puluh (30) hari selepas tarikh sijil berkuat kuasa kecuali kecederaan yang disebabkan kemalangan. Perlindungan secara automatik akan terhenti pada tarikh tamat tempoh dan Pengendali Takaful tidak akan bertanggungjawab ke atas apa- apa perbelanjaan yang berlaku pada tarikh tersebut dan selepas itu melainkan Sijil diperbaharui.
• Menaik Taraf Kelayakan Bilik Hospital & Makanan Anda perlu membayar 20% daripada kos perbelanjaan sekiranya anda dimasukkan ke hospital dimana kadarnya lebih tinggi daripada kadar kelayakan anda.
• Naik Taraf Pelan Perlindungan Permohonan untuk menaik taraf pelan hanya boleh dibuat pada tarikh pembaharuan seterusnya dan adalah tertakluk kepada Pengunderaitan oleh penggubal polisi Pengendali Takaful.
Nota:Senarai ini tidak muktamad. Sila rujuk kepada sijil Takaful untuk senarai penuh terma dan syarat yang terdapat di bawah sijil Takaful.
Bolehkah saya memilih untuk dirawat di luar negara?
Sijil ini memberi perlindungan semasa:-• Di dalam perjalanan atau tinggal di luar negeri tidak lebih daripada sembilan puluh (90) hari berturut-turut. Walau bagaimanapun, tiada manfaat akan dibayar jika anda memilih untuk mendapatkan rawatan di luar negara sekiranya rawatan terdapat di dalam negara. Hal ini dikecualikan jika ia adalah disebabkan oleh kecemasan perubatan atau atas nasihat doktor untuk keperluan itu dipindahkan ke hospital di luar Malaysia kerana rawatan khusus, bantuan, maklumat atau keputusan yang tidak boleh diberikan, disediakan atau diambil di Malaysia.
• Anda boleh meminta sijil anda untuk dilanjutkan untuk merangkumi rawatan elektif di Singapura dan Brunei dengan membayar bebanan caruman yang dikenakan oleh Archipelago Insurance Limited.
Nota:Senarai ini tidak muktamad. Sila rujuk kepada sijil Takaful untuk senarai penuh terma dan syarat yang terdapat di bawah sijil Takaful.
3
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ent
tanp
a 20%
Bay
aran
Ber
sam
a
80
0 V
IP S
ing
apo
rew
ithou
t 20%
CoP
aym
ent
tanp
a 20%
Bay
aran
Ber
sam
a
80
0 V
IP S
ing
apo
rew
ith 2
0% C
oPay
men
tde
ngan
20%
Baya
ran
Bers
ama
*Th
is t
op
-up
pla
n is
tri
gg
ered
if a
nd
on
ly if
th
e p
er d
isab
ility
cla
im a
mo
un
t is
exc
eed
th
e d
edu
ctib
le
and
th
e in
sure
d h
as e
xhau
sted
all
oth
er a
ven
ues
of
com
pen
sati
on
fro
m o
ther
Tak
afu
l / I
nsu
ran
ce.
*Pel
an T
amb
ahan
han
ya b
ole
h d
itu
ntu
t se
kira
nya
ju
mla
h t
un
tuta
n s
etia
p h
ilan
g u
pay
a m
eleb
ihi
had
ded
ukt
ibel
dan
sem
ua
pam
pas
an d
arip
ada
Taka
ful
/ in
sura
ns
lain
tel
ah h
abis
dig
un
akan
ole
h
ora
ng
yan
g d
ilin
du
ng
i.
4
B
asic
Pla
n /
P
elan
Asa
s
T
op
up
Pla
n /
Pel
an T
amb
ahan
AG
E B
AN
D /
KU
MP
UL
AN
UM
UR
30 d
ays
– 1
8 y
ears
/ 3
0 h
ari –
18
tah
un
200
.00
8
6.0
0
791.
00
97
4.0
0
41.0
0
41.0
0
103.
00
12
5.0
0
19 y
ears
- 2
5 y
ears
/ 1
9 ta
hu
n -
25
tah
un
220
.00
8
9.0
0
839
.00
1,
034
.00
4
4.0
0
44.
00
10
9.0
0
133.
00
26
year
s -
35 y
ears
/ 2
6 ta
hu
n -
35
tah
un
240
.00
95
.00
92
2.0
0
1,13
8.0
0
49.0
0
49.0
0
119.
00
14
5.0
0
36 y
ears
- 4
5 y
ears
/ 3
6 ta
hu
n -
45
tah
un
280
.00
11
7.0
0
1,0
87.0
0
1,34
4.0
0
57.0
0
57.0
0
139.
00
16
9.0
0
46
year
s -
55
yea
rs /
46
tah
un
- 5
5 t
ahu
n
33
0.0
0
150
.00
1,
307.
00
1,
618
.00
69
.00
69
.00
16
5.0
0
202
.00
56
yea
rs -
60
yea
rs /
56
tah
un
- 6
0 t
ahu
n
4
70.0
0
22
1.0
0
1,90
6.0
0
2,3
67.0
0
102
.00
10
2.0
0
237
.00
29
2.0
0
61 y
ears
- 6
5 y
ears
/ 6
1 ta
hu
n -
65
tah
un
690
.00
33
4.0
0
2,8
34.0
0
3,5
27.
00
15
4.0
0
154.
00
34
8.0
0
432
.00
66 y
ears
- 7
0 y
ears
/ 6
6 ta
hu
n -
70
tah
un
1,0
20.0
0
50
2.0
0
4,2
26.
00
5,
267
.00
2
31.0
0
231
.00
51
5.0
0
640
.00
71 y
ears
- 7
5 y
ears
(re
new
al o
nly
) /
71 t
ahu
n -
75
tah
un
(p
emb
ahar
uan
sah
aja)
1,
240
.00
61
1.0
0
5,17
7.0
0
6,4
56.
00
2
84.
00
2
84.
00
62
9.0
0
783.
00
76 y
ears
- 8
0 y
ears
(re
new
al o
nly
) /
76 t
ahu
n -
80
tah
un
(p
emb
ahar
uan
sah
aja)
1,
570
.00
78
5.0
0
6,5
63.0
0
8,1
88
.00
36
0.0
0
360
.00
79
6.0
0
990
.00
> 8
0 y
ears
(re
new
al o
nly
) /
> 8
0 t
ahu
n (
pem
bah
aru
an s
ahaj
a)
2
,090
.00
1,
189.
00
8
,761
.00
10
,936
.00
4
82
.00
4
82
.00
1,
05
9.0
0
1,32
0.0
0
B
asic
Pla
n /
P
elan
Asa
s
T
op
up
Pla
n /
Pel
an T
amb
ahan
AG
E B
AN
D /
KU
MP
UL
AN
UM
UR
30 d
ays
– 1
8 y
ears
/ 3
0 h
ari –
18
tah
un
18.0
0
8.0
0
70.0
0
87.0
0
4.0
0
4.0
0
10.0
0
12.0
0
19 y
ears
- 2
5 y
ears
/ 1
9 ta
hu
n -
25
tah
un
19.0
0
8.0
0
75.0
0
92.0
0
4.0
0
4.0
0
10.0
0
12.0
0
26
year
s -
35 y
ears
/ 2
6 ta
hu
n -
35
tah
un
21.
00
9.
00
8
2.0
0
101.
00
5.
00
5.
00
11
.00
13
.00
36 y
ears
- 4
5 y
ears
/ 3
6 ta
hu
n -
45
tah
un
24.0
0
11.0
0
97.0
0
119.
00
5.
00
5.
00
13
.00
15
.00
46
year
s -
55
yea
rs /
46
tah
un
- 5
5 t
ahu
n
29
.00
14
.00
11
6.0
0
143.
00
7.
00
7.
00
15
.00
18
.00
56
year
s -
60 y
ears
/ 5
6 ta
hu
n -
60
tah
un
42
.00
20
.00
16
9.0
0
210
.00
9.
00
9.
00
2
1.0
0
26.
00
61 y
ears
- 6
5 y
ears
/ 6
1 ta
hu
n -
65
tah
un
61.0
0
30.0
0
251
.00
31
2.0
0
14.0
0
14.0
0
31.0
0
39.0
0
66 y
ears
- 7
0 y
ears
/ 6
6 ta
hu
n -
70
tah
un
90.0
0
45.
00
37
4.0
0
466
.00
2
1.0
0
21.
00
4
6.0
0
57.0
0
71 y
ears
- 7
5 y
ears
(re
new
al o
nly
) /
71 t
ahu
n -
75
tah
un
(p
emb
ahar
uan
sah
aja)
11
0.0
0
54.
00
4
58
.00
57
1.0
0
25.
00
2
5.0
0
56.
00
70
.00
76 y
ears
- 8
0 y
ears
(re
new
al o
nly
) /
76 t
ahu
n -
80
tah
un
(p
emb
ahar
uan
sah
aja)
13
9.0
0
70.0
0
580
.00
72
4.0
0
32.0
0
32.0
0
71.0
0
88
.00
> 8
0 y
ears
(re
new
al o
nly
) /
> 8
0 t
ahu
n (
pem
bah
aru
an s
ahaj
a)
18
5.0
0
105.
00
77
4.0
0
967.
00
4
3.0
0
43.
00
94
.00
11
7.0
0
Pro
po
sed
An
nu
al P
rem
ium
in S
GD
(N
ot
Incl
usi
ve o
f 6
% G
ST)
/ Ja
du
al C
aru
man
Tah
un
an d
alam
SG
D (
tid
ak t
erm
asu
k 6%
Cu
kai B
aran
gan
dan
Per
khid
mat
an)
Pro
po
sed
Mo
nth
ly P
rem
ium
in S
GD
(N
ot
Incl
usi
ve o
f 6
% G
ST)
/ Ja
du
al C
aru
man
Bu
lan
an d
alam
SG
D (
tid
ak t
erm
asu
k 6%
Cu
kai B
aran
gan
dan
Per
khid
mat
an)
100
VIP
100
VIP
100
VIP
100
VIP
80
0 V
IP S
ing
apo
rew
ith 2
0% C
oPay
men
tde
ngan
20%
Baya
ran
Bers
ama
80
0 V
IP S
ing
apo
rew
ith 2
0% C
oPay
men
tde
ngan
20%
Baya
ran
Bers
ama
100
Ded
uct
ible
VIP
100
Ded
ukt
ibel
VIP
100
Ded
uct
ible
VIP
100
Ded
ukt
ibel
VIP
100
Ded
uct
ible
VIP
100
Ded
ukt
ibel
VIP
100
Ded
uct
ible
VIP
100
Ded
ukt
ibel
VIP
80
0 V
IP S
ing
apo
rew
ithou
t 20%
CoP
aym
ent
tanp
a 20%
Bay
aran
Ber
sam
a
80
0 V
IP S
ing
apo
rew
ithou
t 20%
CoP
aym
ent
tanp
a 20%
Bay
aran
Ber
sam
a
80
0 V
IP S
ing
apo
rew
ithou
t 20%
CoP
aym
ent
tanp
a 20%
Bay
aran
Ber
sam
a
80
0 V
IP S
ing
apo
rew
ithou
t 20%
CoP
aym
ent
tanp
a 20%
Bay
aran
Ber
sam
a
80
0 V
IP S
ing
apo
rew
ith 2
0% C
oPay
men
tde
ngan
20%
Baya
ran
Bers
ama
80
0 V
IP S
ing
apo
rew
ith 2
0% C
oPay
men
tde
ngan
20%
Baya
ran
Bers
ama
Cas
h-B
efo
re-C
ove
r
T
his
pro
du
ct is
so
ld o
n a
Cas
h-B
efo
re-C
ove
r b
asis
. Th
ere
is n
o e
ffec
tive
co
ver
if co
ntr
ibu
tio
n h
as n
ot
bee
n p
aid
to
get
her
wit
h s
ub
mis
sio
n o
f an
ap
plic
atio
n.
Bay
aran
Tu
nai
Seb
elu
m P
erli
nd
un
gan
T
iad
a p
erlin
du
ng
an ji
ka c
aru
man
tid
ak d
ibay
ar b
ersa
ma-
sam
a se
wak
tu p
enye
rah
an p
erm
oh
on
an.
5
What are the major exclusions under this certificate?
• Pre-existing illnesses.• Any medical or physical condition arising within the first 30 days of the covered person’s cover or date of reinstatement whichever is latest except for accidental injuries.• Care or treatment for which payment is not required or to the extent which is payable by any other Takaful or indemnity covering the covered person disabilities arising out of their duties of their employment or profession that are covered under a Workmen’s Compensation Takaful Agreement.• Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.• Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization.• Psychotic, mental or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations).• Any event prohibited by Shariah principles.
Note:This list is non-exhaustive. Please refer to the certificate agreement for the full list of exclusions under this certificate.
Can I cancel my certificate?
You may cancel the certificate at any time by giving written notice to us. Upon cancellation, any refund of the contribution would be based on the conditions stipulated in the certificate agreement. If you contribution is paid on a monthly frequency basis, there will be no refund contribution for cancellation.
What do I need to do if there are changes to my contact / personal details?
It is important that you inform us of any change in your life profile including your occupation and personal pursuits which would affect the risk profile.
Where can I get further information?
Should you require additional information about hospitalisation and surgical Takaful, please refer to the Takaful info on ‘Medical & Health Takaful’, available at all our branches or you can obtain a copy from the Standard Financial Advisor (SFA) or visitwww.archipelagoltd.com
If you have any enquiry, please contact us at:
Customer Service Department
Co-Located Office: B-08-06,Gateway Corporate Suites, Gateway Kiaramas,No 1, Jalan Desa Kiara, Mon’t Kiara,50480 Kuala Lumpur, Malaysia.Telephone : +6(03) 6201 0899Fax : +6(03) 6201 0481Email : [email protected]
Apakah pengecualian utama di bawah sijil ini?
• Penyakit yang sedia ada.• Sebarang perubatan atau keadaan fizikal yang berlaku terlebih dahulu samada dalam tempoh 30 hari pertama perlindungan atau tarikh pengembalian semula orang yang dilindungi kecuali kecederaan akibat kemalangan.• Jagaan atau rawatan yang pembayarannya tidak diperlukan atau hanya setakat yang dibayar oleh mana-mana indemniti takaful atau lain-lain yang meliputi hilang upaya orang yang dilindungi disebabkan tugas pekerjaan atau kerjaya mereka telah dilindungi di bawah Pampasan Takaful Kontrak Pekerja.• Sebarang rawatan atau operasi pembedahan untuk keabnormalan atau kecacatan kongenital termasuk penyakit keturunan.• Kehamilan, melahirkan anak (termasuk kelahiran secara pembedahan), keguguran, menggugurkan kandungan dan pranatal atau postnatum dan pembedahan, mekanikal atau kimia kaedah kawalan kelahiran kontraseptif atau rawatan berkaitan ketidaksuburan. Disfungsi erektil dan ujian atau rawatan berkaitan impoten atau pensterilan.• Psikotik, mental atau gangguan saraf (termasuk sebarang neurosis dan manifestasi fisiologi atau psikosomatik mereka).• Sebarang aktiviti yang dilarang oleh Syariah.
Nota:Senarai ini tidak muktamad. Sila rujuk kepada sijil Takaful untuk senarai penuh terma dan syarat yang terdapat di bawah sijil Takaful.
Bolehkah sijil Takaful ini dibatalkan?
Anda boleh membatalkan sijil Takaful pada bila-bila masa dengan memberi notis bertulis kepada kami. Selepas pembatalan, sebarang pemulangan caruman akan berdasarkan kepada syarat-syarat yang ditetapkan dalam sijil. Tiada bayaran balik bagi pembatalan caruman jika caruman anda adalah secara bulanan.
Apakah yang perlu saya lakukan jika terdapat perubahan dalam butiran peribadi?
Adalah penting untuk anda memaklumkan kepada kami sebarang perubahan dalam profil kehidupan anda termasuk pekerjaan dan usaha peribadi anda yang akan menjejaskan profil risiko.
Bagaimakah saya boleh mendapatkan informasi yang selanjutnya?
Sekiranya anda memerlukan maklumat tambahan mengenai kemasukan ke Takaful Hospital dan Pembedahan, sila rujuk kepada maklumat Takaful ‘Takaful Perubatan dan Kesihatan’ yang boleh didapati di semua cawangan kami atau anda boleh mendapatkan salinan dari Standard Financial Advisor (SFA) atau lawat www.archipelagoltd.com
Jika anda mempunyai sebarang pertanyaan, sila hubungi kami di:
Customer Service Department
Pejabat Lokasi Bersama: B-08-06,Gateway Corporate Suites, Gateway Kiaramas,No 1, Jalan Desa Kiara, Mon’t Kiara,50480 Kuala Lumpur, Malaysia.Telefon : +6(03) 6201 0899Faks : +6(03) 6201 0481Emel : [email protected]
6
Important Note
You are advised to read the schedule of benefits for the coverage in your Takaful certificate. You must nominate a nominee and ensure that your nominee is aware of the MediSavers Takaful certificate that you have participated. You should read and understand the Takaful certificate and discuss with the Takaful consultant or contact the Takaful Operator directly for more information.
Who is Archipelago Insurance Limited
Archipelago Insurance Limited is licensed under the Labuan Islamic Financial Services and Securities Act 2010, regulated by Labuan Financial Services Authority. The license for AIL to run its Takaful business (Window) has been approved on 24th April 2015. Under this license, AIL has adopted the principle of Wakalah as its business operation model to manage its funds.
This Product Disclosure Sheet is for general information only and is valid as at 12 April 2016 until a revision is issued.
Maklumat penting
Anda dinasihatkan untuk membaca jadual manfaat perlindungan dalam Sijil Takaful anda. Sila namakan seorang penama dan sila pastikan bahawa penama anda tahu mengenai Sijil MediSavers Takaful yang anda sertai. Anda perlu membaca dan memahami sijil Takaful dan berbincang dengan penasihat kewangan berdaftar atau hubungi pengendali takaful secara langsung untuk maklumat lanjut.
Siapakah Archipelago Insurance Limited
Archipelago Insurance Limited (AIL) didaftar di bawah Akta Perkhidmatan Kewangan dan Sekuriti Islam Labuan 2010, yang dikawal selia oleh Lembaga Perkhidmatan Kewangan Labuan. AIL telah diluluskan untuk menjalankan perniagaan Takaful (‘Window’) pada 24 April 2015 dan menggunakan konsep Wakalah untuk pengurusan dananya.
Helaian Keterangan Produk ini hanya untuk maklumat am sahaja dan sah pada 12 April 2016 sehingga semakan dikeluarkan.
MediSaversTakaful
7
Archipelago Insurance Limited [An Insurer Licensed by Labuan FSA] Co. No. LL09355 | License No. IS2013136
Registered Office Address : Unit 3A-25, U0350, 3rd Floor, Labuan Times Square, Jalan Merdeka, 87000 Labuan F.T., Malaysia
Co-located Office : B-08-06, Gateway Corporate Suites, Gateway Kiaramas, No.1 Jalan Desa Kiara, Mont Kiara, 50480 Kuala Lumpur, Malaysia.
Telephone : +6 (03) 6201 0899Fax : +6 (03) 6201 0481Email : [email protected] : www.archipelagoltd.com
Authorised Financial Advisor/Penasihat Kewangan Berdaftar: