100% of the Sum Assured or total Basic Premium Paid, whichever is higher will be payable in one lump sum. After which, the policy automatically terminates.

Upon occurance of TPD, the Sum Assured or total Basic Premium Paid, whichever is higher will be payable in one lump sum if it is less than or equal to RM500,000. After which, the policy automatically terminates. Otherwise, if the benefit payable is more than RM500,000 but less than RM1.5 million, the first RM500,000 will be payable in one lump sum, while the remaining balance will be payable in 2 equal annual installments.

TPD Benefit starts from the Life Assured reaching 6 years old and expires on the Policy Anniversary upon the Life Assured reaching 65 years old. No juvenile lien is applicable for TPD Benefit.

Upon diagnosis of any of the 36 Critical Illnesses (as stated below, except for ‘Angioplasty and Other Invasive Treatments For Major Coronary Artery Disease’), the Sum Assured or total Basic Premium Paid, whichever is higher will be payable in one lump sum (subject to maximum of RM1 million), after which the policy automatically terminates. For cases with Sum Assured greater than RM1 million, the remaining Sum Assured will only be payable upon maturity or if Death / TPD occurs.

For ‘Angioplasty and other invasive treatments for coronary artery disease’, the Sum Assured will be reduced by the amount payable, limited to 10% of Sum Assured and subject to a maximum of RM25,000. The 90% balance of Sum Assured shall remain in-force.

1. Stroke
2. Heart Attack
3. End Stage Kidney Failure
4. Cancer
5. Coronary Artery By-Pass Surgery
6. Other Serious Coronary Artery Disease
7. Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease*
8. End Stage Liver Failure
9. Fulminant Viral Hepatitis
10. Coma
11. Benign Brain Tumor
12. Occupationally Acquired Human Immunodeficiency Virus ( HIV) Infection
13. Blindness / Total Loss Of Sight
14. Deafness / Total Loss Of Hearing
15. Major Burns
16. HIV Due To Blood Transfusion
17. End Stage Lung Disease
18. Encephalitis
19. Major Organ / Bone Marrow Transplant
20. Loss of Speech
21. Brain Surgery
22. Heart Valve Surgery
23. Terminal Illness
24. Bacterial Meningitis
25. Major Head Trauma
26. Chronic Aplastic Anemia
27. Motor Neuron Disease
28. Parkinson's Disease
29. Alzheimer's Disease / Irreversible Organic Degenerative Brain Disorders
30. Muscular Dystrophy
31. Surgery To Aorta
32. Multiple Sclerosis
33. Primary Pulmonary Arterial Hypertension
34. Medullary Cystic Disease
35. Severe Cardiomyopathy
36. Systemic Lupus Erythematosus With Lupus Nephritis

* Payment is limited to 10% of Sum Assured and a maximum of RM25,00

Upon surrender of the policy, the Guaranteed Cash Value will be payable in one lump sum. This is only available after a certain number of full annual premiums have been paid. Please refer to your Sales Illustration for further details on the Guaranteed Cash Value.

In the event of Death (due to non-accidental causes) or diagnosis on any one of the 36 Critical Illnesses before the 4th birthday, benefi t payable shall be as follows:

• Uni PA
• Uni Protector
• Uni Protector Enhanced
• Uni Lady Plus (for females only)
• Uni Medicare
• Uni Medic / Medic Plus
• Uni Payor Protector (WOP or FIB)
• Uni Payor Enhanced (WOP or FIB)

• Attempted suicide or self-infl icted injury while sane or insane;
• Under the infl uence of alcohol, narcotic, drugs, etc.;
• Engage in any airborne activities other than as a fare paying passenger or crew member on a licensed commercial flight;
• Military, police or aeronautical service;
• Submarine voyage;
• Disease or accident sustained or diagnosed before the issuance of the policy.
  

• HIV or HIV related illnesses;
• Self-infl icted injury or any attempt thereat whether sane or insane;
• Under the infl uence of alcohol, narcotic, drugs, etc.;
• Involvement in criminal act or brawl;
• Hazardous pursuits such as boxing, skiing, diving, etc, and any airborne activities other than as a fare paying passenger or crew member on a licensed commercial flight;
• War, declared or undeclared;
  
  

• If you terminate your policy in the early years, you may get back less than the amount you have paid.
• You should be satisfi ed that this plan will best serve your needs and that the premium payable under the policy is an amount that you can afford.
• If suicide or self-destruction that will cause Death or Total and Permanent Disability, while sane or insane, occurs within one year from the date of issue of the policy or from the date of reinstatement, whichever is later, the Company shall return the premium paid without interest.
• Please refer to the Sales Illustration and Product Disclosure Sheet for further details before deciding on your purchase.
• The policy will not have a Guaranteed Cash Value on termination until you have paid full annual premium for certain number of years.
• This brochure is for general information only. It is not a contract of insurance. The precise items, conditions and defi nitions of this insurance plan are specifi ed in the policy contract.
• In the event of discrepancy, ambiguity and confl ict in interpreting any term or condition of the brochure, the English version shall prevail.