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死亡与永久性残废利益索赔条件

死亡利益：
自然死亡，疾病死亡，意外死亡，自杀（保单生效1年后）

永久性残废利益：
– 失去一对 手臂        – 失去 单臂 和 单眼
– 失去一对 眼睛        – 失去 单臂 和 单腿
– 失去一对 腿脚        – 失去 单腿 和 单眼

或者

无法执行 日常起居 至少 3种 行动
– 如厕        – 更衣
– 转移        – 沐浴
– 饮食        – 上下床

小孩子的赔偿率是根据年龄来赔偿

Age next birthday                 Death Benefit after Lien
        0-1                                  20% of the Basic Sum Assured
          2                                     40% of the Basic Sum Assured
          3                                     60% of the Basic Sum Assured
          4                                     80% of the Basic Sum Assured
    5 & above                     100% of the Basic Sum Assured

Exp A:
Age: 1
BSA: RM 100,000
RM 100,000 X 20%
= RM 20,000

Exp B:
Age: 4
BSA: RM 100,000
RM100,000 X 40%
=RM 40,000

Exp C:
Age: 5
BSA: RM 100,000
RM100,000 x 100%
=RM 100,000

国行实施 保额倍数 条规，规定可投保的 最低寿险保障金额，
并以基本年度定期保费额及新保单持有人在保单生效时的 年龄为准。
(只有在投资联结保单才有这个计算）

Exp 1:
Age: 34
Annual Premium (ANP): RM 3000
Calculation: RM 3000 X 50
Sum Assured (SA)= RM 150,000

Exp 2:
年龄: 50岁
年保费: RM 3600
计算法：RM 3000 X 25
保障额= RM 90,000

定期加额保费 则 不包括 在最低保额的倍数因子计算

Golden Age Enhancer (GAE):
Minimum entry age: age 55 next birthday

This a pay one time Budgeted Premium (BuP)
– Mean age 55 above client can Single Top Up a premium ILP plan,
– but the amount must same with the first year premium.
– And this benefit only allow add in ILP plan

Exp 1:
ANP: RM 3600
GAE: RM 3600
Accept

Exp 2:
ANP: RM 3600
GAE: RM 2400
Not Accept

Exp 3:
ANP: RM 3600
GAE: RM 6000
Not Accept

Booster Reward
Mostly get this benefit in Large Protection 

If fulfill below conditions will get 12% of BSA cash reward in the ILP cash value.
Exp 1: 
BSA: RM 1,000,000 X 12% = RM 120,000 (Cash Reward)

受保人必须超过70岁
保单必须超过30年
视何者为迟

The policy anniversary of age 70 years next birthday
OR at the end of the 30th policy year, whichever is later

Exp 1
Bought in Age : 1
After 30 years
Policy Year > 30 years
BUT Age < 70 years old
NOT entitle

Exp 2
Bought in Age : 60
After 20 years
Age > 70 years old
BUT Policy Year < 20 years
NOT entitle

Exp 3
Bought in Age : 40
After 30 years
Age > 70 years old
Policy Year > 30 years
Entitle

3D = (Death, TPD, Diease)

Traditional (3D)
1. Great Vantage Care
2. Great Vantage Care 2
3. Supreme Livin’ Care
4. Supreme Livin’ Care Series 2
5. Supreme Livin’ Care Series 3
6. Supreme Livin’ Care Plus
7. Great Enhanced Living Care
8. Great Ideal Living
9. Enhanced SuperLife
10. Life 88

Cover Early (3D)
1. Great Early Living Care
2. Great Early Living Care 2
3. Great Early Vantage Care
4. Great Early Vantage Care 2

Cancer Early (Cancer Only)
1. Great Multi Critical Care
2. Great Early Cancer Care

Rider (Diease Only)
1. Living Assurance Rider (Diease Only)

Investment Link (Disease Only)
1. Critical Illness Benefit Rider
2. IL Critical Illness Benefit Rider
3. IL Critical Illness Advance Rider
4. IL Critical Illness Plus Rider

Cover Early (Disease Only)
1. Smart Early Payout Critical Care
2. Smart Multiple Critical Care

2D = (Death, TPD)

Traditional
1. EconamiLife
2. Flexiplan
3. Great LifeCare
4. Great Love4U
5. Caremaster
6. Supreme Multicare
7. Multicare
8. Great Cherish 80
9. Great Maxi Protector
10. Life 87

Investment Link
1. Great ProtecLink Insurance
2. GreatLife International Portfolio Insurance
3. Centennial AddVantage Insurance
4. Centennial Max Plan
5. AddVantage Plus Insurance
6. SmartProtect Essential Insurance
7. SmartProtect Essential 2
8. SmartProtect Essential 3
9. SmartProtect Junior
10. SmartProtect You
11. SmartProtect Max
12. SmartProtect Legacy Max
13. Smart Legacy Max
14. Smart Legacy
15. SmartProtect Sure
16. SmartProtect Wealth 20
17. SmartProtect Wealth Plus

(Death, TPD, Saving)

Traditional
1. Centennial Wonder
2. Great EduScholar
3. Great Flexi Wealth
4. Great Flexi Plus
5. Great Flexi Wealth Plus
7. Great Income Plus
8. Great Junior Advantage
9. Great Junior Advantage 2
10. Great Junior Advantage 3
11. Great Multi Cash
12. Great Premier Wealth
13. Great Retirement Plan
14. Great Wealth Accumulator
15. Great Eduplanner

Investment Link 
1. GreatLife Education Insurance
2. Great EduSaver
3. GreatLife International Scholar Insurance
4. Supreme FlexiLink Insurance
5. Supreme Growthlink Insurance
6. Smart Invest Growth
7. Smart Invest Premier

Traditional- (Standalone Card)
1. Health Protector
2. Great HealthCare Plan
3. Great Medic Care
4. Great Medic Care 2
5. Great Medic Xtra + Great Extender (Car Plate)
6. Great Medic Shield + Great Medic Shield Extender

Investment Link 
1. IL Health Protector
2. SmartMedic + Smart Extender
3. SmartMedic Xtra + Smart Medic Enhancer + Smart Extender
4. Smart Premier Health + Smart Premier Health Extender
5. Smart Medic Shield + Smart Medic Shield Extender + Smart Medic Plus
6. Smart Medic Million + Smart Medic Million Extender + Smart Medic Million Plus