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Death Benefit
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100% of the Sum Assured will be payable upon the occurrence of Death of the Life Assured due to all causes.
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Total and Permanent Disability (TPD) Benefit (all causes) |
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100% of the Sum Assured, subject to the maximum of RM1.5 million per life, will be payable upon the occurrence of Total and Permanent Disability (TPD) of the Life Assured due to all causes. The payment arrangement is subject to the terms and conditions stipulated in the Policy Contract.
TPD coverage ceases upon the Life Assured attaining age 65 or at the end of policy term, whichever is earlier. |
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Surrender Benefit |
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Surrender benefit is only payable from the end of the 3rd policy year. |
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Attachable Riders |
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A Policyholder can attach the following riders for enhanced protection. |
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Uni PA |
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Uni Critical Care |
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Uni Medic / Uni Medic Plus |
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Convertible Option |
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At anytime while the Policy is in force but not later than the Policy Anniversary immediately following the Life Assured’s 65th birthday, the Policy Owner may convert the policy to a new policy other than a term policy without further evidence of insurability for an equivalent Sum Assured. However, the new policy (excluding bonuses / dividends) shall not exceed the original Sum Assured of the term plan. |
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Eligible Entry Age (Nearest Birthday) |
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| Minimum: |
16 years old |
| Maximum: |
65 years old
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| Term: |
5 years term, renewable up to age 65
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| Sum Assured Limit |
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| Minimum: |
RM100,000 |
| Maximum: |
No limit but subject to underwriting |
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• Risks Not Covered
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| A |
Death Due to Suicide |
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If the Life Assured, within one (1) year from the Issue Date or from any date of last reinstatement, whichever is later, dies due to suicide while sane or insane, the liability of the Company shall be limited to the amount of the premium paid, without interest as of the Issue Date or date of last reinstatement respectively. |
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| B |
Total and Permanent Disability (TPD) |
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Certain risks are not covered. The Company shall not pay the benefit if TPD is resulted directly or indirectly from: |
| 1. |
attempted suicide while sane or insane; or |
| 2. |
self-inflicted injury while sane or insane; or |
| 3. |
injury sustained while under the influence of drugs or liquor or intoxicating substance; or |
| 4. |
engaging in any hazardous speed or endurance contest; or |
| 5. |
engaging in airborne activity other than as a fare paying passenger or a crew of an aircraft operated by an Airline on scheduled commercial route; or |
| 6. |
submarine voyage; or |
| 7. |
engaging or performing duties in military, police or aeronautical service; or |
| 8. |
a disease, illness or accident which the Life Assured was suffering from or sustained or diagnosed, before the issuance of this policy or date of last reinstatement, whichever is later. |
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Important Notes: |
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If the Life Assured terminates his/her policy in the early years, he/she may get back less than the amount he/she has paid. |
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The Life Assured should be satisfied that this plan will best serve his/her needs and that the premium payable under the policy is an amount that he/she can afford. |
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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. |
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This brochure is for general information only. It is not a contract of insurance. The precise items, conditions and definitions of this insurance plan are specified in the policy contract. |
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In the event of discrepancy, ambiguity and conflict in interpreting any term or condition of the brochure, the English version shall prevail. |
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• Why Uni.Asia Assurance Berhad?
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When you take up a policy with us, you can be assured that you will be taken care of because we protect you for life. |
Uni.Asia Life Assurance Berhad is a DRB-HICOM and UOB company. |
