MediSafe Infinite

MediSafe Infinite Xtra

Caring for your

medical needs
Menjaga keperluan perubatan anda

Allianz
Allianz Life
Life Insurance
Insurance Malaysia
Malaysia Berhad
Berhad (104248-X)
(104248-X)
(Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia)

www.facebook.com/AllianzMalaysia www.allianz.com.my
This is a story based on a true incident that happened at a private
hospital in Kuala Lumpur. Names have been changed to maintain privacy.
An unexpected medical experience.
The cost is estimated to be
approximately RM20,000.
After the second surgery,
Han was admitted to the
intensive care unit (ICU)
because he succumbed to
further complications that
affected his blood and
respiratory system.
His vitals are
still weak.
Due to the severity of
his complications, four
specialists - a general
surgeon, an anesthesiologist,
a pulmonologist and a
radiologist watched over his
case. As the days went on
without signs of improvement,
the specialists advised the
family to prepare for the worst.
Han was admitted to the
hospital on his surgeons
advice to remove a small
tumour that was found in
his large intestine. Doctor
had assured him that it
was a common procedure. Miraculously, Hans
condition gradually
improved. After 50
days in ICU, Han was
finally transferred to
the normal ward.
The tumour was
successfully removed but
Han developed a fever
and experienced pain in
the abdomen after the
surgery. Following critical
results from further tests,
Han was immediately When Han was finally discharged, he was shocked
sent for a second surgery that his total hospital bill came up to RM130,000!!!
the next day. Fortunately, he had a medical insurance policy
which covered most of his hospital bill as well as
his subsequent follow-up treatments.
The complications
are unexpected.
Hans experience could happen to you!
A simple surgery could become complicated because everyones medical history
is different.
A complication could escalate the medical costs by many folds unexpectedly.
RM130,000 today could mean RM526,000 in 10 years time with medical
inflation estimated at about 15% each year*.
*Source: Rising pressure of healthcare cost, The Star, March 14, 2009.
MediSafe Infinite / MediSafe Infinite Xtra MediSafe Infinite / MediSafe Infinite Xtra

Get prepared for the unpredictable future. Second medical opinion

Reimburses up to RM2,000 per annum for charges of consultation and
MediSafe Infinite empowers your Allianz PowerLink diagnostic tests (ECG, X-ray and laboratory tests) should you require a
second medical opinion by another Physician to confirm the diagnosis
Plan with far better and wider medical coverage. and treatment plan of the initial Physician, or to offer an alternative
diagnosis and/or treatment approach.

No Claims Reward
Be rewarded with 10% increase in the hospital room & board
NO Overall lifetime limit cover every three (3) years period if no claim is made within
Gives you total peace of mind with High Overall Annual the three (3) years period. Up to 150% of initial amount of the
Limit and NO Overall Lifetime Limit. Hospital Room & Board Benefit entitlement.

Reimbursement of GST
Hassle free admission Reimburses the Goods & Services Tax (GST) on taxable
A medical plan that frees you the hassles of submitting supplies and services incurred on eligible expenses.
relevant documentation during admission and discharge at
all panel hospitals.

Out-patient Dengue or Enteric (Typhoid) Or choose

Fever treatment
Reimburses the charges incurred for treatment of
Dengue or Enteric fever received as an Out-Patient
MediSafe Infinite Xtra
at any registered clinic or Hospital. for additional coverage:
Alternative treatments (Post-hospitalisation benefit)
Reimburses the charges incurred for alternative treatments such as Treatment in Singapore
Chiropractic, Chiropody, Homeopathy, Osteopathy and Acupuncture Extends to cover treatment in Singapore, following Reasonable &
up to one (1) visit per day, within thirty (30) days from the hospital Customary Charges in Singapore. (MediSafe Infinite covers treatment in
discharge date. Singapore but following Reasonable & Customary Charges equivalent to
local treatment in Malaysia.)
High entry age and renewal guarantee
High entry age of up to 70 years old. Higher Overall Annual Limit
Guaranteed renewal up to 90 years old. Higher than MediSafe Infinites Overall Annual Limit up to RM1.8 million.

Extensive panel of hospitals

MediSafe Infinite/MediSafe Infinite Xtra medical card is accepted by
No co-payment for Room & Board upgrade
our extensive panel of hospitals throughout East and West Malaysia. No co-payment if you are hospitalised at a Room & Board which is higher
than your eligible benefit. You only bear the difference in the upgraded
room & board charges.

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MediSafe Infinite
MediSafe / MediSafe
Infinite Infinite
/ MediSafe XtraXtra
Infinite MediSafe Infinite / MediSafe Infinite Xtra

Table of Benefits
MediSafe Infinite MediSafe Infinite Xtra
Plan 150 Plan 200 Plan 250 Plan 300 Plan 350 Plan 400 Plan 500 Plan 150 Plan 200 Plan 250 Plan 300 Plan 350 Plan 400 Plan 500
Plan Type
(RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM)

Overall Annual Limit 850,000 1,000,000 1,100,000 1,200,000 1,300,000 1,400,000 1,500,000 1,000,000 1,200,000 1,350,000 1,500,000 1,600,000 1,700,000 1,800,000

Overall Lifetime Limit No limit No limit

A) Hospitalisation & Surgical Benefit

1 Hospital Room & Board

(subject to a maximum of one hundred and 150 200 250 300 350 400 500 150 200 250 300 350 400 500
fifty (150) days per any one (1) Disability)

2 Intensive Care Unit

(subject to a maximum of one hundred and
fifty (150) days per confinement)

3 Hospital Supplies and Services

4 Surgical Fees

5 Anaesthetist Fees

6 Operating Theatre Fees

7 In-Hospital Physician Visit

(subject to a maximum of two (2) visits per day)

8 Pre-Hospitalisation Diagnostic Tests As charged.

As charged.
(within ninety (90) days prior to hospitalisation) Subject to Reasonable & Customary Charges*
Subject to Reasonable & Customary Charges#
9 Pre-Hospitalisation Consultation
(within ninety (90) days prior to hospitalisation
maximum of two (2) General Practitioner and
one (1) Specialist consultations)

10 Post Hospitalisation Treatment (within ninety

(90) days following discharge from hospital)

11 Home Nursing Care

(subject to a maximum of one hundred and
eighty (180) days per lifetime)

12 Ambulance Fees

13 Day-Care Surgery

As charged. Up to a maximum of RM150 per admission for inpatient treatment As charged. Up to a maximum of RM150 per admission
14 Medical Report Fees Reimbursement
or per Disability for outpatient treatment. for inpatient treatment or per Disability for outpatient treatment.

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MediSafe Infinite
MediSafe / MediSafe
Infinite Infinite
/ MediSafe XtraXtra
Infinite MediSafe Infinite / MediSafe Infinite Xtra

Table of Benefits (contd)

MediSafe Infinite MediSafe Infinite Xtra
Plan 150 Plan 200 Plan 250 Plan 300 Plan 350 Plan 400 Plan 500 Plan 150 Plan 200 Plan 250 Plan 300 Plan 350 Plan 400 Plan 500
Plan Type
(RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM)

B) Out-Patient Treatment Benefit

1 Emergency Accidental Out-Patient Treatment

Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to
& thirty (30) days follow up treatment
1,500 2,000 2,500 3,000 3,500 4,000 5,000 1,500 2,000 2,500 3,000 3,500 4,000 5,000
(Annual Limit)

2 Out-Patient Cancer Treatment

(includes consultation, examination tests and
prescribed take-home drugs)

3 Out-Patient Kidney Dialysis Treatment

As charged. As charged.
(includes consultation, examination tests and
Subject to Reasonable & Customary Charges* Subject to Reasonable & Customary Charges#
prescribed take-home drugs)

4 Out-Patient Dengue or Enteric Fever Treatment

(includes consultation, examination tests and
prescribed take-home drugs)

C) Special Benefits

Reimbursement of the claimable cost, subject to Reasonable a nd Customary Charges* Reimbursement of the claimable cost, subject to Reasonable and Customary Charges#
1 Second Medical Opinion
(up to a maximum of RM2,000 per annu m) (up to a maximum of RM2,000 per annum)

2 Reimbursement for Alternative Treatment fees As charged. Subject to Reasonable and Customar y Charges* As charged. Subject to Reasonable and Customary Charges#
(Post hospitalisation Out-Patient benefit, within (limited to one (1) visit per day) (limited to one (1) visit per day)
(30) days following discharge from hospital)
Limit per day Limit per day

150 200 250 300 350 400 500 150 200 250 300 350 400 500

Maximum per annum Maximum per annum

1,500 2,000 2,500 3,000 3,500 4,000 5,000 1,500 2,000 2,500 3,000 3,500 4,000 5,000

10% increase in the initial Hospital Room & Board Benefit e very 3 years, provided 10% increase in the initial Hospital Room and Board Benefit every 3 years, provided
D) No Claims Reward that no claim is made in the previous 3 years and the increa sed amount shall not that no claim is made in the previous 3 years and the increased amount shall not
exceed 150% of the initial amount of Hospital Room & Board Benefit. exceed 150% of the initial amount of Hospital Room and Board Benefit.

E) Optional Benefits

1 Hospital Income Benefit daily benefit per day

of hospitalisation (maximum thirty (30) days 75 100 125 150 175 200 300 75 100 125 150 175 200 300
per disability)

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 MediSafe Infinite / MediSafe Infinite Xtra MediSafe Infinite / MediSafe Infinite Xtra

Notes: Cost of insurance

* Reasonable and Customary Charges based on Private HealthCare Facilities and Services (Private
The Cost of Insurance for MediSafe Infinite/MediSafe Infinite Xtra and the Optional
Hospitals and Other Private HealthCare Facilities) Regulation 2006 in Malaysia.
Benefits are levied through unit deduction from the investment account of your Policy.
# MediSafe Infinite Xtra extends to cover hospitalisation, surgery and outpatient treatment in Singapore. The amount to be charged will depend on the amount and type of insurance coverage
Life Assured may seek treatment in Singapore and the benefits in respect of the treatment shall be chosen, as well as other factors such as age, sex, health status, occupation class, etc.
covered subject to the exclusion, limitation and conditions specified in the Policy. We will reimburse The current Cost of Insurance charged for MediSafe Infinite/MediSafe Infinite Xtra and
the charges incurred for Medically Necessary treatment for a covered Disability based on the official the Optional Benefits are illustrated in the sales illustration and you may request a copy
exchange rate ruling on the last day of the Hospitalisation subject to the limit as set forth in the Table
from your servicing agent.
of Benefits, following Reasonable and Customary Charges in Singapore. For avoidance of doubt, the
treatment in Singapore is not subjected to the Private Healthcare Facilities and Services (Private Hospitals
and Other Private Health Care Facilities) Regulations 2006 in Malaysia. Payments for any Eligible Expense Exclusions
shall be made in the legal currency of Malaysia. For medically necessary treatments rendered in Malaysia,
we will reimburse the charges according to Reasonable and Customary Charges based on Private
This Rider and its Optional Benefits shall not pay any benefit arising from or accelerated,
HealthCare Facilities and Services (Private Hospitals and Other Private HealthCare Facilities) Regulation directly or indirectly, wholly or partly by:
2006 in Malaysia.
1. Pre-Existing Conditions.

1. Only Malaysians who are not working or not residing outside of Malaysia are 2. Specified Illnesses occurring during the first one hundred and twenty (120) days
eligible to apply for MediSafe Infinite Xtra. of continuous cover, whether or not caused by Accident.
3. Any medical or physical conditions arising during the Waiting Period except for
2. We shall reimburse the Goods and Services Tax (GST) on taxable supplies and Accidental Injuries.
services provided to the Life Assured, incurred in connection with the Eligible
Expenses, if any, subject to the limits as stated in the Table of Benefits. 4. Surgery and/or treatment related to plastic/cosmetic purposes, circumcision,
eye examination, glasses and refraction or surgical correction of nearsightedness
3. If the Life Assured is hospitalised at a Room and Board rate which is higher than (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic,
his/her eligible benefit, the Life Assured shall bear: external appliances or corrective devices such as artificial limbs, hearing aids,
pacemakers and prescriptions thereof.
a) the difference in the Hospital Room and Board charges; and
b) twenty percent (20%) of the eligible benefits described in the Table of Benefits 5. Dental conditions including dental treatment or oral surgery except as
necessitated by Accidental Injuries to sound natural teeth occurring wholly during
subject to a maximum limit of RM1,000 per Disability (not applicable for
the period of cover.
MediSafe Infinite Xtra).
6. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilisation,
4. A Conditional Co-Payment on eligible benefits shown in the table below will be venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome)
applied if the Life Assured elects to or is referred by the attending Physician to be or ARC (AIDS Related Complex) and HIV related diseases, and any communicable
treated outside Malaysia and the Total Amount of Claim for a Policy Year is more diseases requiring quarantine by law.
than the amount illustrated below:
7. Any treatment or surgical operation for Congenital Conditions or deformities
Plan Type
Plan 150 Plan 200 Plan 250 Plan 300 Plan 350 Plan 400 Plan 500 including hereditary conditions.
(RM) (RM) (RM) (RM) (RM) (RM) (RM)
8. Pregnancy, child birth (including surgical delivery), miscarriage, abortion and
Total Amount of Claim
85,000 100,000 125,000 150,000 175,000 200,000 250,000 prenatal or postnatal care and surgical, mechanical or chemical contraceptive
for a Policy Year
Conditional
methods of birth control or treatment pertaining to infertility. Erectile dysfunction
20% 10% and tests or treatment related to impotence or sterilisation.
Co-Payment (%)

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 MediSafe Infinite / MediSafe Infinite Xtra
9. Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination,
general physical or medical examinations, not incidental to treatment or diagnosis
of a covered Disability or any treatment which is not Medically Necessary and any
preventive treatments, preventive medicines or examinations carried out by a
Physician, and treatments specifically for weight reduction or gain.
10. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.
11. War or any act of war, declared or undeclared, criminal or terrorist activities, active
duty in any armed forces, direct participation in strikes, riots and civil commotion or
insurrection.
12. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear
waste from process of nuclear fission or from any nuclear weapons material.
13. Expenses incurred for donation of any body organ by the Life Assured and costs
of acquisition of the organ including all costs incurred by the donor during organ
transplant and its complications.
14. Investigation and treatment of sleep and snoring disorders, hormone replacement
therapy and alternative therapy (other than the Alternative Treatment specified
in Reimbursement For Alternative Treatment Fees provisions) such as treatment,
medical service or supplies, including but not limited to acupressure, reflexology,
bonesetting, herbalist treatment, massage or aroma therapy or other alternative
treatment.
15. Care or treatment for which payment is not required or to the extent which
is payable by any other insurance or indemnity covering the Life Assured and
Disabilities arising out of duties of employment or profession that is covered under
a Workmans Compensation Insurance Contract.
16. Psychotic, psychiatric, mental or nervous disorders, (including any neuroses and
their physiological or psychosomatic manifestations).
17. Costs/expenses of services of a non-medical nature, such as television, telephones,
telex services, radios or similar facilities, admission kit/pack and other ineligible
non-medical items.
18. Sickness or Injury arising from racing of any kind (except foot racing), hazardous
sports such as but not limited to skydiving, water skiing, underwater activities
requiring breathing apparatus, winter sports, professional sports and illegal
activities.
19. Private flying other than in any commercial scheduled airlines licensed to carry
passengers over established routes.
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MediSafe Infinite / MediSafe Infinite Xtra
20. Expenses incurred for sex changes.
This list is non-exhaustive. Please refer to the Supplementary Contract for the complete terms and conditions
under this Rider.
Important Notice
This brochure is for illustration purposes only and the information included is
neither comprehensive nor exhaustive. You need to refer to the Product Disclosure
Sheet (PDS) and the Sales Illustration (SI) for further details. Both PDS and SI could
be obtained from your servicing agent.
The Cost of Insurance payable for the Renewal is not guaranteed and subject to
review in future. The adjustment in Cost of Insurance, if any, will aim to reflect Our
claim experience, cost of medical treatment, medical inflation and advancement
in medical technology. This list is not exhaustive and the Cost of Insurance rates
may also be revised under other justified circumstances. Such changes, if any, shall
be applicable to all Policy Owners irrespective of their policy duration and claim
experience. We have the right to revise the rates, benefits, terms and conditions
and You will be informed in writing of the revision at least three (3) months before
Policy Anniversary.
You should satisfy yourself that this plan would best serve your needs, and that
investing in this Policy is an easy and affordable way to your financial well-being.
A free look period of fifteen (15) days or such longer period as may be specified by
Bank Negara Malaysia, will be given from the date of receipt of the Policy by you to
review its suitability and should you choose to return the Policy within the period,
the amount to be refunded shall follow the terms and conditions in the Policy
Contract.
Following the effective implementation of Goods and Services Tax (GST) on 1 April
2015, We will charge the relevant GST amount at 6% or at the prevailing rate on
the applicable portion of your insurance premium/fee/charges for the applicable
period of insurance coverage from the GST effective date onwards in accordance
to the statutory requirement of GST.
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 Keadaan
Ini adalah kisah berdasarkan kejadian benar yang berlaku di sebuah hospital
fizikal beliau
swasta di Kuala Lumpur. Nama telah ditukar untuk mengekalkan privasi. masih lemah.
Oleh kerana keterukan
Satu pengalaman perubatan yang tidak dijangka. komplikasinya, beliau diletak
di bawah jagaan empat
pakar perubatan - pakar
bedah umum, pakar bius ,
Kos yang dianggarkan kira- pulmonologi dan radiologi.
kira RM20,000. Selepas beberapa hari berlalu
tanpa tanda-tanda pemulihan,
pakar perubatan menasihatkan
keluarga beliau untuk bersedia
Han dimasukkan ke hospital untuk yang terburuk.
atas nasihat doktor beliau
untuk mengeluarkan tumor
kecil yang terdapat dalam
usus besar beliau. Doktor
telah memberi jaminan
Sungguh menakjubkan,
kepadanya bahawa ia
keadaan Han secara
adalah prosedur biasa.
beransur-ansur
bertambah baik. Selepas
50 hari di ICU, Han
akhirnya dipindahkan ke
wad biasa.

Tumor telah berjaya

dikeluarkan tetapi Han
mengalami demam dan
sakit di bahagia abdomen
selepas pembedahan.
Apabila Han dibenarkan keluar dari hospital,
Berikutan keputusan
beliau terkejut bahawa bil hospitalnya
kritikal dari ujian lanjut,
berjumlah sebanyak RM130,000 !!!
Han segera dihantar untuk
menjalani pembedahan
Mujurlah, beliau mempunyai polisi insurans
kedua pada hari berikutnya.
perubatan yang mampu meliputi bil hospital
serta rawatan susulan beliau.

Selepas pembedahan Komplikasi yang

kedua, Han dimasukkan ke
Unit Rawatan Rapi (ICU)
tidak dijangka.
Pengalaman Han boleh berlaku kepada anda!
kerana beliau menghadapi Satu pembedahan yang mudah boleh menjadi rumit kerana sejarah perubatan setiap
komplikasi berikutnya
yang menjejaskan
orang adalah berbeza.
sistem pendarahan dan Suatu komplikasi boleh meningkatkan kos perubatan berlipat ganda tanpa diduga.
pernafasannya.
RM130,000 sekarang ini mungkin menjadi RM526,000 dalam masa 10 tahun akibat
kadar inflasi perubatan yang dianggarkan kira-kira 15% setiap tahun*.

*Sumber: Rising pressure of healthcare cost, The Star, Mar 14, 2009.
 MediSafe Infinite / MediSafe Infinite Xtra
Bersiap-sedia untuk menghadapi masa depan yang tidak tertentu.
MediSafe Infinite memperkuatkan Pelan Allianz
PowerLink anda dengan perlindungan perubatan yang
jauh lebih baik dan menyeluruh.
Tiada Had Sepanjang Hayat Keseluruhan
Had Tahunan Keseluruhan yang tinggi dan Tiada Had Sepanjang Hayat
Keseluruhan, memberi anda ketenangan fikiran yang sebenarnya.
Kemasukan ke hospital tanpa kerumitan
Pelan perubatan yang membebaskan anda daripada
bersusah-payah mengemukakan dokumentasi
berkaitan semasa kemasukan dan pelepasan di
semua hospital panel.
Rawatan demam Denggi atau Enterik
(Kepialu) pesakit luar
Membayar balik caj-caj yang dikenakan ke atas
rawatan Demam Denggi atau Enterik sebagai pesakit
luar di mana-mana klinik atau hospital yang berdaftar.
Rawatan alternatif (Faedah selepas penghospitalan)
Membayar balik caj-caj yang dikenakan ke atas rawatan alternatif
seperti Kiropraktik, Kiropodi, Homeopati, Osteopati dan Akupunktur
sehingga satu (1) lawatan sehari, dalam masa tiga puluh (30) hari
dari tarikh keluar hospital.
Umur kemasukan tinggi dan pembaharuan dijamin
Umur kemasukan yang tinggi sehingga umur 70 tahun.
Pembaharuan dijamin sehingga umur 90 tahun.
Rangkaian panel hospital yang luas
Kad perubatan MediSafe Infinite/ MediSafe Infinite Xtra
diterima oleh kesemua panel hospital kami yang luas di
seluruh Malaysia termasuk Sabah dan Sarawak.
16
MediSafe Infinite / MediSafe Infinite Xtra
Pendapat perubatan kedua
Membayar balik sehingga RM2,000 setahun bagi caj caj konsultasi dan
ujian diagnosis (ECG, X-ray dan ujian makmal) sekiranya anda memerlukan
pendapat kedua perubatan oleh doktor yang lain untuk mengesahkan
diagnosis dan pelan rawatan Doktor yang terdahulu, atau mendapatkan
tawaran diagnosis alternatif dan/atau kaedah rawatan.
Ganjaran Tiada Tuntutan
Menikmati ganjaran peningkatan faedah Bilik Hospital &
Penginapan sebanyak 10% setiap 3 tahun jikalau tiada tuntutan
dibuat dalam masa 3 tahun tersebut. Sehingga 150% daripada
jumlah awal kelayakan faedah Bilik Hospital & Penginapan.
Pembayaran balik GST
Membayar ganti Cukai Barangan dan Perkhidmatan (GST)
ke atas bekalan dan perkhidmatan yang boleh dikenakan
cukai menurut perbelanjaan yang layak.
Atau memilih
MediSafe Infinite Xtra
untuk faedah tambahan
Rawatan di Singapura
Perlindungan diperluaskan meliputi rawatan di Singapura, mengikut
Bayaran Munasabah dan Biasa di Singapura. (MediSafe Infinite
merangkumi rawatan di Singapura tetapi mengikut Bayaran Munasabah
dan Biasa bersamaan dengan rawatan tempatan di Malaysia.)
Had Tahunan Keseluruhan yang lebih tinggi
Had Tahunan Keseluruhan yang lebih tinggi berbanding dengan
MediSafe Infinite sehingga RM1.8 juta.
Tiada bayaran bersama untuk peningkatan Bilik
Hospital & Penginapan
Tiada bayaran bersama jika anda dimasukkan ke hospital pada kadar Bilik
Hospital & Penginapan yang lebih tinggi daripada faedah yang layak. Anda
hanya menanggung perbezaan caj bilik dan penginapan yang dinaik taraf.
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MediSafe Infinite
MediSafe / MediSafe
Infinite Infinite
/ MediSafe XtraXtra
Infinite MediSafe Infinite / MediSafe Infinite Xtra

Jadual Faedah
MediSafe Infinite MediSafe Infinite Xtra
Pelan 150 Pelan 200 Pelan 250 Pelan300 Pelan 350 Pelan 400 Pelan 500 Pelan 150 Pelan 200 Pelan 250 Pelan 300 Pelan 350 Pelan 400 Pelan 500
Jenis Pelan
(RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM)

Had Tahunan Keseluruhan 850,000 1,000,000 1,100,000 1,200,000 1,300,000 1,400,000 1,500,000 1,000,000 1,200,000 1,350,000 1,500,000 1,600,000 1,700,000 1,800,000

Had Sepanjang Hayat Keseluruhan Tiada had Tiada had

A) Faedah Penghospitalan & Pembedahan

1 Bilik Hospital & Penginapan

(tertakluk kepada maksimum 150 hari bagi 150 200 250 300 350 400 500 150 200 250 300 350 400 500
mana-mana satu hilang upaya)

2 Unit Rawatan Rapi

(Tertakluk kepada maksimum 150 hari bagi
setiap kemasukan)

3 Bekalan dan Perkhidmatan Hospital

4 Bayaran Pembedahan

5 Bayaran Pakar Bius

6 Bayaran Bilik Pembedahan

7 Lawatan Pakar Perubatan Dalam Hospital

(Tertakluk kepada maksimum 2 lawatan sehari)

8 Ujian Diagnostik Pra-Penghospitalan

(Dalam tempoh masa 90 hari sebelum masuk Bayaran Dikenakan.
Bayaran Dikenakan.
ke hospital) Tertakluk kepada Bayaran Munasabah
Tertakluk kepada Bayaran Munasabah dan Biasa Diamalkan#
dan Biasa Diamalkan*
9 Rundingan Pra-Penghospitalan
(Dalam tempoh masa 90 hari sebelum masuk
ke hospital
maksimum 2 konsultasi oleh doktor am
dan 1 pakar perubatan)

10 Rawatan Selepas Penghospitalan

(Dalam tempoh masa 90 hari selepas keluar
hospital)

11 Penjagaan Kejururawatan Di Rumah

(Tertakluk kepada maksimum 180 hari sehayat)

12 Yuran Ambulans

13 Pembedahan Harian

Pembayaran Ganti Perbelanjaan Laporan Bayaran dikenakan. Tertakluk kepada maksimum RM150 setiap kemasukan bagi rawatan Bayaran dikenakan. Tertakluk kepada maksimum RM150 setiap kemasukan bagi rawatan
14
Perubatan Pesakit Dalam atau setiap Hilang Upaya bagi rawatan Pesakit Luar. Pesakit Dalam atau setiap Hilang Upaya bagi rawatan Pesakit Luar.

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MediSafe Infinite
MediSafe / MediSafe
Infinite Infinite
/ MediSafe XtraXtra
Infinite MediSafe Infinite / MediSafe Infinite Xtra

Jadual Faedah (Sambungan)

MediSafe Infinite MediSafe Infinite Xtra
Pelan 150 Pelan 200 Pelan 250 Pelan 300 Pelan 350 Pelan 400 Pelan 500 Pelan 150 Pelan 200 Pelan 250 Pelan 300 Pelan 350 Pelan 400 Pelan 500
Jenis Pelan
(RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM)

B) Faedah Rawatan Pesakit Luar

1 Rawatan Kecemasan Pesakit Luar bagi

Sehingga Sehingga Sehingga Sehingga Sehingga Sehingga Sehingga Sehingga Sehingga Sehingga Sehingga Sehingga Sehingga Sehingga
Kemalangan dan 30 hari rawatan susulan
1,500 2,000 2,500 3,000 3,500 4,000 5,000 1,500 2,000 2,500 3,000 3,500 4,000 5,000
(Had tahunan)

2 Rawatan Kanser Pesakit Luar

(Termasuk rundingan, ujian pemeriksaan
dan perubatan dipreskripsikan yang dibawa
pulang)

3 Rawatan Dialisis Buah Pinggang Pesakit Luar

(Termasuk rundingan, ujian pemeriksaan Bayaran Dikenakan. Bayaran Dikenakan.
dan perubatan dipreskripsikan yang dibawa Tertakluk kepada Bayaran Munasabah dan Biasa Diamalkan* Tertakluk kepada Bayaran Munasabah dan Biasa Diamalkan#
pulang)

4 Rawatan Denggi atau Demam Enterik Pesakit

Luar (Termasuk rundingan, ujian pemeriksaan
dan perubatan dipreskripsikan yang dibawa
pulang)

C) Faedah Khas

Pembayaran ganti bagi kos yang boleh dituntut, tertakluk kepada Bayaran Pembayaran ganti bagi kos yang boleh dituntut, tertakluk kepada Bayaran
1 Pendapat Perubatan Kedua
Munasabah dan Biasa Diamalkan* (sehingga maksimum RM2,000 setahun) Munasabah dan Biasa Diamalkan* (sehingga maksimum RM2,000 setahun)

2 Pembayaran balik Caj Rawatan Alternatif Bayaran Dikenakan. Tertakluk kepada Bayaran Munasabah d an Biasa Diamalkan* Bayaran Dikenakan. Tertakluk kepada Bayaran Munasabah dan Biasa Diamalkan#
(Faedah pesakit luar dalam 30 hari selepas (Terhad kepada 1 lawatan sehari) (Terhad kepada 1 lawatan sehari)
penghospitalan)
Had sehari Had sehari

150 200 250 300 350 400 500 150 200 250 300 350 400 500

Maksimum satu tahun Maksimum satu tahun

1,500 2,000 2,500 3,000 3,500 4,000 5,000 1,500 2,000 2,500 3,000 3,500 4,000 5,000

Peningkatan 10% bagi Bilik Hospital & Penginapan asal setiap 3 tahun jika tiada Peningkatan 10% bagi Bilik Hospital & Penginapan asal setiap 3 tahun jika tiada
D) Ganjaran Tiada Tuntutan tuntutan dibuat dalam 3 tahun yang lepas dan amaun yang ditingkatkan tidak akan tuntutan dibuat dalam 3 tahun yang lepas dan amaun yang ditingkatkan tidak akan
melebihi 150% daripada amaun Faedah Bilik Hospital & Penginapan asal. melebihi 150% daripada amaun Faedah Bilik Hospital & Penginapan asal.

E) Faedah Pilihan

1 Faedah Pendapatan Hospital

(Maksimum 30 hari setiap hilang upaya) 75 100 125 150 175 200 300 75 100 125 150 175 200 300
20 21
 MediSafe Infinite / MediSafe Infinite Xtra MediSafe Infinite / MediSafe Infinite Xtra

Nota: 4. Bayaran Bersama Bersyarat ke atas faedah-faedah yang layak yang ditunjuk di
jadual di bawah akan dikenakan sekiranya Orang yang Diinsuranskan memilih atau
* Bayaran Munasabah dan Biasa Diamalkan akan berdasarkan kepada Regulasi dirujuk oleh Pakar Perubatan yang merawat beliau untuk dirawat di luar Malaysia
Kemudahan-kemudahan Penjagaan Kesihatan Swasta (Hospital-hospital Swasta dan dan jumlah tuntutan untuk suatu Tahun Polisi melebihi amaun yang dinyatakan di
Kemudahan-kemudahan Penjagaan Kesihatan Swasta Lain) tahun 2006 di Malaysia. bawah:
# MediSafe Infinite Xtra melanjutkan perlindungan penghospitalan dan pembedahan
Pelan 150 Pelan 200 Pelan 250 Pelan 300 Pelan 350 Pelan 400 Pelan 500
serta rawatan pesakit luar di Singapura. Orang Yang Diinsuranskan boleh mendapatkan Jenis Pelan
(RM) (RM) (RM) (RM) (RM) (RM) (RM)
rawatan di Singapura dan faedah bagi rawatan itu akan tertakluk kepada pengecualian,
had dan syarat yang dinyatakan dalam Polisi. Kami akan mengganti balik caj yang Jumlah Tuntutan
Perlu Dari Segi Perubatan bagi suatu Hilang Upaya yang dilindungi berdasarkan untuk suatu 85,000 100,000 125,000 150,000 175,000 200,000 250,000
kadar penukaran rasmi pada hari Penghospitalan terakhir, tertakluk kepada had yang Tahun Polisi
dinyatakan dalam Jadual Faedah dengan mengikut Bayaran Munasabah dan Biasa Bayaran Bersama
Diamalkan di Singapura. Bagi mengelakkan keraguan, rawatan di Singapura adalah 20% 10%
Bersyarat (%)
tidak tertakluk kepada Regulasi Kemudahan-kemudahan Penjagaan Kesihatan Swasta
(Hospital-hospital Swasta dan Kemudahan-kemudahan Penjagaan Kesihatan Swasta
Lain) tahun 2006 di Malaysia. Bayaran untuk sebarang perbelanjaan yang layak akan
dibayar dalam mata wang Malaysia yang sah. Untuk rawatan perubatan yang perlu Kos insurans
yang dijalankan di Malaysia, kami akan membayar ganti caj-caj mengikut Bayaran Kos insurans MediSafe Infinite/MediSafe Infinite Xtra dan Faedah Pilihan boleh
Munasabah dan Biasa Diamalkan berdasarkan Regulasi Kemudahan-kemudahan dikenakan melalui penolakan unit daripada akaun pelaburan Polisi anda. Amaun yang
Penjagaan Kesihatan Swasta (Hospital-hospital Swasta dan Kemudahan-kemudahan akan dikenakan bergantung kepada Jumlah Diinsuranskan dan jenis perlindungan
Penjagaan Kesihatan Swasta Lain) tahun 2006.
insurans yang dipilih, serta faktor-faktor lain seperti umur, jantina, status kesihatan,
kelas pekerjaan dan lain-lain. Kos insurans semasa MediSafe Infinite/MediSafe
1. Hanya rakyat Malaysia yang tidak bekerja atau tidak menetap di luar Malaysia layak
Infinite Xtra dan Faedah Pilihan dijelaskan di dalam ilustrasi jualan dan anda boleh
memohon MediSafe Infinite Xtra.
mendapatkan satu salinan ini daripada ejen perkhidmatan anda.
2. Kami akan membayar balik Cukai Barangan dan Perkhidmatan (GST) ke atas
bekalan dan perkhidmatan yang boleh dikenakan cukai kepada Orang Yang
Pengecualian
Diinsuranskan menurut perbelanjaan yang layak, jika ada, dan tertakluk kepada
had yang dinyatakan di dalam Jadual Faedah. Rider dan Faedah Pilihan ini tidak akan membayar sebarang faedah yang disebabkan
atau dipercepatkan secara langsung atau tidak langsung, sepenuhnya atau
3. Jika Orang yang Diinsuranskan dimasukkan ke hospital pada kadar Bilik sebahagiannya oleh:
dan Penginapan yang lebih tinggi daripada faedah yang layak, Orang Yang
1. Keadaan Sedia Ada.
Diinsuranskan hendaklah menanggung:
2. Penyakit Tertentu yang berlaku dalam tempoh seratus dua puluh (120) hari yang
a) perbezaan caj dalam Bilik Hospital & Penginapan; dan pertama bagi perlindungan berterusan, sama ada atau tidak disebabkan oleh
b) dua puluh peratus (20%) daripada faedah layak yang dinyatakan dalam Jadual Kemalangan.
Faedah dan tertakluk kepada had maksimum RM1,000 bagi setiap Hilang 3. Sebarang keadaan perubatan atau fizikal yang berlaku dalam tempoh menunggu,
Upaya (tidak berkenaan bagi MediSafe Infinite Xtra). kecuali kecederaan akibat Kemalangan.

22 23
 MediSafe Infinite / MediSafe Infinite Xtra
4. Pembedahan dan/atau rawatan yang berkaitan dengan tujuan plastik/kosmetik,
berkhatan, pemeriksaan mata, cermin mata dan pembetulan penglihatan
dekat melalui pembiasan atau pembedahan (Keratotomi Radial atau Lasik) dan
penggunaan atau pemerolehan peralatan prostetik, peralatan luaran atau peranti
pembetulan seperti anggota tiruan, alat bantuan pendengaran, perentak jantung
atau preskripsi dan selanjutnya.
5. Keadaan pergigian termasuk rawatan pergigian atau pembedahan oral kecuali
apabila diperlukan kerana Kecederaan akibat Kemalangan pada gigi asli yang sihat
yang berlaku sepenuhnya dalam tempoh perlindungan.
6. Penjagaan peribadi, rehat pulih atau jagaan kebersihan, dadah yang tidak
dibenarkan, kemabukan, pensterilan, penyakit venereal dan sekuelanya, AIDS
(Sindrom Kurang Daya Tahan Penyakit) atau ARC (Kompleks Berkaitan AIDS)
dan penyakit berkaitan HIV, dan apa-apa penyakit berjangkit yang memerlukan
kuarantin oleh undang-undang.
7. Apa-apa rawatan atau operasi pembedahan untuk Keadaan Kongenital atau
kecacatan kongenital termasuk penyakit keturunan.
8. Kehamilan, melahirkan anak (termasuk kelahiran secara pembedahan),
keguguran, menggugurkan kandungan dan jagaan serta pembedahan pranatal
atau postnatum, kaedah kawalan kelahiran kontraseptif mekanikal atau kimia atau
rawatan berkaitan ketaksuburan, disfungsi erektil dan ujian atau rawatan berkaitan
kemandulan atau pensterilan.
9. Penghospitalan terutamanya untuk tujuan penyiasatan, diagnosis, pemeriksaan
sinar-X, pemeriksaan fizikal atau perubatan am, tidak berkaitan dengan rawatan
atau diagnosis Hilang Upaya yang dilindungi atau apa-apa rawatan yang
tidak Perlu Dari Segi Perubatan dan apa-apa rawatan pencegahan, ubat atau
pemeriksaan pencegahan yang dijalankan oleh Pakar Perubatan dan rawatan
khusus untuk mengurangkan atau menaikkan berat badan.
10. Bunuh diri, percubaan bunuh diri atau kecederaan diri sendiri yang disengajakan
manakala siuman atau tidak siuman.
11. Perang atau apa-apa tindakan perang, diisytiharkan atau tidak diisytiharkan, aktiviti
jenayah atau pengganas, bertugas dalam mana-mana angkatan bersenjata,
penyertaan secara langsung dalam mogok, rusuhan dan kekecohan awam atau
pemberontakan.
24
MediSafe Infinite / MediSafe Infinite Xtra
12. Radiasi pengionan atau pencemaran melalui radioaktiviti daripada mana-mana
bahan api nuklear atau sisa nuklear daripada proses pembelahan nuklear atau
daripada apa-apa bahan senjata nuklear.
13. Belanja yang ditanggung untuk menderma mana-mana organ tubuh badan oleh
Orang yang Diinsuranskan dan kos pemerolehan organ termasuk semua kos yang
ditanggung oleh penderma ketika transplan organ dan komplikasinya.
14. Penyiasatan dan rawatan gangguan tidur dan dengkur, terapi penggantian
hormon dan terapi pilihan (kecuali Rawatan Alternatif yang dinyatakan dalam
peruntukan Bayaran Balik Yuran Rawatan Alternatif) seperti rawatan, khidmat atau
bekalan perubatan, termasuk tetapi tidak terhad kepada khidmat akutekanan,
refleksologi, pembetulan tulang, rawatan pakar herba, urut atau terapi aroma atau
rawatan pilihan yang lain.
15. Jagaan atau rawatan yang pembayarannya tidak dikehendaki atau setakat yang
ia dibayar oleh mana-mana insurans lain atau tanggung rugi yang melindungi
Orang yang Diinsuranskan dan Hilang Upaya yang timbul daripada tugas dalam
pekerjaan atau kerjaya yang dilindungi di bawah Kontrak Insurans Pampasan
Pekerja.
16. Psikotik, psikiatri, gangguan mental atau saraf (termasuk apa-apa neurosis dan
manifestasi fisiologi atau psikosomatiknya).
17. Kos/belanja bagi khidmat yang bersifat bukan perubatan, seperti televisyen,
telefon, khidmat teleks, radio atau kemudahan yang serupa, kit/pek kemasukan
dan barang bukan perubatan lain yang tidak layak.
18. Sakit atau Kecederaan yang timbul daripada apa-apa jenis perlumbaan (kecuali
perlumbaan jalan kaki), sukan berbahaya seperti tetapi tidak terhad kepada terjun
udara, luncur air, aktiviti dalam air yang memerlukan alat pernafasan, sukan
musim sejuk, sukan profesional dan aktiviti yang tidak dibenarkan.
19. Penerbangan peribadi selain dalam mana-mana penerbangan komersil berjadual
untuk mengangkut penumpang melalui laluan yang ditetapkan.
20. Belanja yang ditanggung untuk menukar jantina.
Senarai ini tidak lengkap. Sila rujuk kepada Kontrak Tambahan untuk terma-terma dan syarat-syarat yang
lengkap di bawah Rider ini.
25
 MediSafe Infinite / MediSafe Infinite Xtra MediSafe Infinite / MediSafe Infinite Xtra

Nota Penting

Risalah ini adalah untuk tujuan ilustrasi sahaja dan informasi yang diberikan adalah
tidak lengkap dan tidak menyeluruh. Anda perlu merujuk kepada Lembaran
Pendedahan Produk dan Ilustrasi Jualan untuk maklumat yang lebih terperinci.
Kedua-dua Lembaran Pendedahan Produk dan Ilustrasi Jualan boleh didapatkan
daripada ejen perkhidmatan Anda.

Kos Insurans yang perlu dibayar ketika Pembaharuan adalah tidak terjamin dan
tertakluk kepada semakan pada masa depan. Perubahan Kos Insurans, jika ada,
adalah bertujuan untuk mencerminkan pengalaman tuntutan Kami, kos rawatan
perubatan, inflasi perubatan dan perkembangan teknologi perubatan. Senarai
ini adalah tidak lengkap dan Kos Insurans mungkin juga diubah dalam keadaan
lain yang boleh dijustifikasikan. Perubahan-perubahan ini, jika ada, adalah
dikenakan kepada semua Pemegang Polisi tanpa mengambil kira tempoh polisi
dan pengalaman tuntutan mereka. Kami berhak mengubah kadar, faedah, terma
dan syarat dan Anda akan diberitahu secara bertulis tentang perubahan tersebut
sekurang-kurangnya tiga (3) bulan sebelum Ulang Tahun Polisi.

Anda harus yakin bahawa pelan ini dapat memenuhi keperluan anda dengan Mukasurat ini adalah sengaja dikosongkan.
sebaiknya dan melabur dalam Polisi ini adalah cara yang mudah dan mampu ke
arah kesejahteraan kewangan anda. Tempoh percubaan selama lima belas (15)
hari atau dalam tempoh lebih lama sebagaimana yang mungkin ditentukan oleh
Bank Negara Malaysia , dari tarikh penerimaan Polisi ini oleh Anda akan diberikan
untuk Anda mempertimbangkan kesesuaiannya dan sekiranya Anda memilih
untuk memulangkan Polisi dalam tempoh tersebut, jumlah yang dibayar kembali
akan berdasarkan terma-terma dan syarat-syarat yang dinyatakan dalam Kontrak
Polisi.

Berikutan perlaksaanan Cukai Barangan dan Perkhidmatan (GST) pada 1 April

2015, Kami akan mengenakan GST yang berkenaan pada kadar 6% atau pada kadar
semasa ke atas bahagian premium/yuran/caj insurans anda yang berkenaan untuk
tempoh perlindungan insurans yang berkenaan, mulai dari tarikh efektif GST dan
selaras dengan keperluan perundangan GST.

26 27
,

, ,


RM20,000.
,
,

,


50 ,

,


,

,

RM130,000!!!

,



!



15%* , RM130,000
RM526,000
*: Rising pressure of healthcare cost, The Star, March 14, 2009.
 MediSafe Infinite / MediSafe Infinite Xtra MediSafe Infinite / MediSafe Infinite Xtra

MediSafe Infinite Allianz , /,
RM2,000 (, X-
PowerLink Plan )

, 10%
, 150%
,

(GST)


, ,




MediSafe Infinite Xtra

()
,
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, , )

70
MediSafe Infinite RM180
90

,
MediSafe Infinite/MediSafe Infinite Xtra

30 31
MediSafe Infinite
MediSafe / MediSafe
Infinite Infinite
/ MediSafe XtraXtra
Infinite MediSafe Infinite / MediSafe Infinite Xtra

MediSafe Infinite MediSafe Infinite Xtra

150 200 250 300 350 400 500 150 200 250 300 350 400 500

(RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM)

850,000 1,000,000 1,100,000 1,200,000 1,300,000 1,400,000 1,500,000 1,000,000 1,200,000 1,350,000 1,500,000 1,600,000 1,700,000 1,800,000

A)

1 (150 ) 150 200 250 300 350 400 500 150 200 250 300 350 400 500

2 (
150 )

7 (1 )

8 ( 90 ) * #

9 ( 90 2
1)

10 ( 90 )

11 (180 )

12

13

14 RM150 RM150

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1 30
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2 (,
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3 (,
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32 33
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150 200 250 300 350 400 500 150 200 250 300 350 400 500
(RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM) (RM)

C)

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150 200 250 300 350 400 500 150 200 250 300 350 400 500

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1. , MediSafe Infinite Xtra
85,000 100,000 125,000 150,000 175,000 200,000 250,000

2. , , ,
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34 35
 MediSafe Infinite / MediSafe Infinite Xtra MediSafe Infinite / MediSafe Infinite Xtra

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38 39
 MediSafe Infinite / MediSafe Infinite Xtra

Allianz Life Insurance Malaysia Berhad (104248-X)

(Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia)

Head Office
Level 29, Menara Allianz Sentral,
203, Jalan Tun Sambanthan,
Kuala Lumpur Sentral,
50470 Kuala Lumpur.
Tel : +603 2264 1188 / 03 2264 0688
Fax: +603 2264 1199
www.allianz.com.my
www.facebook.com/AllianzMalaysia

Customer Service
Allianz Arena
Ground Floor, Block 2A, Plaza Sentral,
Jalan Stesen Sentral 5, Kuala Lumpur Sentral,
50470 Kuala Lumpur.
Allianz Contact Center : 1 300 88 1028
Fax : +603 2264 8499
Email : customer.service@allianz.com.my
AZ 10/15

40 October 2015