• Qaseh Hayat
• Qaseh Sihat
• Qaseh Dana
Qaseh 1
Penting
1 Persatuan Kebangsaan Kanser Malaysia. 2 Menurut laporan “Laporan Isi Rumah II” oleh Institut Penyelidikan Khazanah 2016. 3 Kumpulan Wang Simpanan Pekerja. 4 Pertubuhan Kesihatan Sedunia 2017.
Qaseh 2
Produk
Perlindungan
Qaseh
Qaseh Qaseh Qaseh
Jadual Manfaat Hayat Sihat Dana
* Premium yang diunjurkan adalah untuk Pelan A bagi tempoh 10 tahun, dan Orang Yang Diinsuranskan merupakan seorang bayi perempuan berumur 30 hari.
** Premium yang diunjurkan adalah untuk Pelan A bagi tempoh 20 tahun, dan Orang Yang Diinsuranskan merupakan seorang bayi perempuan berumur 30 hari.
Qaseh 3
Pelbagai
Manfaat Kematian
Apabila berlaku kematian Orang Manfaat Hilang Upaya
Manfaat
Yang Diinsuranskan, 100%
Menyeluruh dan Kekal (HUMK)
Jumlah Yang Diinsuranskan akan
dibayar. Polisi akan ditamatkan Sekiranya Orang Yang Diinsuranskan mengalami
DARIPADA selepas itu. HUMK, 100% Jumlah Yang Diinsuranskan akan
Manfaat 25, 35 dan 45 tahun bagi tempoh perlindungan 20 tahun. Manfaat ini
dirumuskan khusus untuk Qaseh Dana.
Sila rujuk Pakar Insurans BSN untuk maklumat lanjut tentang pilihan atau
manfaat Qaseh yang lebih bersesuaian dengan keperluan anda.
Qaseh Dana
Pelan A Pelan B Pelan C Pelan D Pelan E Pelan F
Pilihan Pakej (RM)
Manfaat Tambahan
50,000 75,000 100,000 150,000 200,000 250,000
Penyakit Kritikal (PK)
Manfaat Pengecualian
Pembayaran Premium - PK
Kepentingan
Membayar
Premium hendaklah dibayar mengikut masa yang ditetapkan
untuk memastikan perlindungan anda tidak luput. Insurans yang
Premium
kekal berkuat kuasa akan melindungi anda mengikut tempoh
yang telah ditetapkan dan membolehkan anda menikmati
manfaat yang ditentukan.
Penting
Premium perlu dibayar sehingga akhir tempoh Pelan insurans ini diedarkan oleh Bank Simpanan
bayaran premium, atau sehingga kematian atau Nasional. Sila rujuk Pakar Insurans kami untuk
hilang keupayaan, mana-mana yang terdahulu maklumat lanjut.
berlaku. Kadar premium dijamin pada umur
Pelan ini ditaja jamin oleh
kemasukan dan akan tetap sama sepanjang
Gibraltar BSN Life Berhad (277714-A)
tempoh pembayaran premium.
Polisi ini tertakluk kepada pengecualian Aras 21, Mercu 2
Anda diberi “Tempoh Percubaan Percuma”
berikut dimana manfaat tidak akan dibayar KL Eco City
selama 15 hari untuk membaca dan
bagi keadaan berikut: No. 3, Jalan Bangsar
memahami pelan insurans baharu anda selepas
59200 Kuala Lumpur
• Kematian pada tahun pertama polisi penghantaran kontrak polisi. Sekiranya anda
akibat membunuh diri. memulangkan kontrak polisi kepada Syarikat Talian tempatan: 1300-22-6262
• Hilang upaya menyeluruh akibat dalam tempoh ini, semua premium yang Talian luar negara: 603-22980088
kecederaan kendiri. dibayar, bebas daripada faedah, ditolak apa- E-mel: customerservice@gibraltarbsn.com
apa perbelanjaan perubatan yang ditanggung Laman web: www.GibraltarBSN.com
Senarai di atas tidak lengkap. Sila rujuk kontrak
untuk pemeriksaan perubatan akan dikembalikan
polisi untuk senarai penuh pengecualian di Gibraltar BSN Life Berhad dilesenkan di bawah
kepada anda dan kontrak polisi akan terbatal.
bawah polisi ini. Akta Perkhidmatan Kewangan 2013 dan dikawal
Sila pastikan pelan ini akan memenuhi selia oleh Bank Negara Malaysia.
Manfaat perlu dibayar untuk Penyakit Kritikal
keperluan anda dan anda berkemampuan
dan Pengecualian Pembayaran Premium atas
membayar jumlah premium yang perlu dibayar
diagnosis Penyakit Kritikal di bawah polisi ini
di bawah polisi ini.
tertakluk kepada penamatan Tempoh Menunggu
dan Tempoh Survival: Sekiranya anda menyerah balik polisi anda
sebelum akhir tempoh polisi, anda mungkin
Tempoh Tempoh akan mendapat amaun yang kurang daripada
Penyakit
Menunggu* Survival^ amaun yang telah anda bayar. Sekiranya anda
Kritikal
(Hari) (Hari) berhenti membayar premium sebelum tempoh
Kanser 60 30 akhir pembayaran premium, perlindungan anda
mungkin ditamatkan lebih awal.
Sakit Jantung 60 30
Strok 30 30
Risalah ini bukan kontrak insurans. Risalah ini
mengandungi maklumat umum dan senarai
Manfaat Tunai #
30 – pengecualian, terma dan syarat lain adalah
Hospital
tidak lengkap. Sila rujuk Lembaran Pendedahan
* Terpakai dari Tarikh Permulaan Risiko atau Tarikh Produk (LPP) atau kontrak polisi untuk maklumat
Pengembalian Terakhir, mana-mana yang terkemudian lanjut tentang terma dan syarat pelan. Sekiranya
dan tertakluk kepada pembayaran penuh yang dibuat.
terdapat ketidaksamaan antara versi Bahasa
^ Terpakai dari Tarikh Diagnosis.
# Tidak terpakai untuk kemasukan ke hospital akibat
Inggeris dan Bahasa Malaysia, versi Bahasa
kemalangan. Inggeris akan diguna pakai.
The Insurance To Protect
Your Entire Family’s Wellbeing
• Qaseh Hayat
• Qaseh Sihat
• Qaseh Dana
Qaseh 1
1.4%
Important Only of disposable income
forms household savings in Malaysia.2
Facts
65% of EPF
EPF members have savings
of less than RM50,000
at age 55.3
1 National Cancer Society Malaysia. 2 Reported by Institut Penyelidikan Khazanah on “Laporan Isi Rumah II” 2016. 3 Employees Provident Fund. 4 World Health Organization 2017.
Qaseh 2
Qaseh
Protection
Products
Qaseh Qaseh Qaseh
Table of Benefits Hayat Sihat Dana
Saving Benefit X X
* The illustrated premium is for Plan A, 10 years term for a female Life Assured of 30 days old.
**The illustrated premium is for Plan A, 20 years term for a female Life Assured of 30 days old.
Qaseh 3
The
Various
Death Benefit
Upon death of the Life Assured,
Total & Permanent Disability
Benefits
100% of the Sum Assured shall
be payable. The policy shall be (TPD) Benefit
terminated thereafter. In the event the Life Assured sustains TPD,
OF
Qaseh
100% of the Sum Assured shall be payable.
Additional Accidental The policy shall be terminated thereafter.
Death Benefit TPD Benefit expires when the Life Assured
Upon accidental death of is 65 years old.
the Life Assured, an additional
100% of the Sum Assured shall
be payable. The policy shall be
terminated thereafter.
Additional Critical Illness (CI) Benefit
Upon diagnosis of any of the three (3) CI on the Life Assured,
100% of the CI Sum Assured shall be payable. This benefit shall be
terminated thereafter. The CI Benefit provides coverage for cancer,
heart attack and stroke.
Qaseh 4
Illustration a 20-year coverage term. The benefits illustrated herein are specifically
designed for Qaseh Dana.
To view the benefits illustration for other Qaseh options or one that caters
to your needs, please refer to our BSN Insurance Specialist.
Qaseh Dana
Plan A Plan B Plan C Plan D Plan E Plan F
Package Option (RM)
Additional Accidental
50,000 75,000 100,000 150,000 200,000 250,000
Death Benefit
The
Importance Premiums must be paid on a timely basis to ensure the
OF continuity of your coverage. Insurance that remains in-force
Making Premium will protect you in the prescribed period and allow you to
reap the benefits as defined.
Payments Questions & Answers about premium payments:
Payment Methods
Autodebit
How do I check on the status
JomPAY
of my premium payments?
Payment via credit card
You may contact Gibraltar BSN Life
or debit card
at 1-300-22-6262.
MyClear Direct Debit
Cash payment at the
nearest BSN branch
Important
Qaseh 7
Notes Premiums are payable until the end of the This plan is distributed by Bank Simpanan Nasional.
premium payment term or until death or disability, Please consult our Insurance Specialist for more
whichever occurs first. Premium rates are information.
guaranteed at entry age and will remain the same This plan is underwritten by
This policy is subject to the following exclusions throughout the premium payment term. Gibraltar BSN Life Berhad (277714-A)
where no benefit will be payable under the You are given a “Free-Look Period” of 15 days
following circumstances: Head Office:
to review your newly purchased insurance plan Level 21, Mercu 2
• Death during the first policy year after delivery of the policy contract. If you return KL Eco City
resulting from suicide. the policy contract to the Company during No. 3, Jalan Bangsar
• Total and Permanent Disability resulting this period, all premiums paid, free of interest, 59200 Kuala Lumpur
from self-inflicted injuries. less any medical expense incurred for medical
examination will be refunded to you and the Local: 1300-22-6262
The above list is non-exhaustive. Please refer to
policy contract shall be voided. Overseas: 603-22980088
the policy contract for the full list of exclusions
under this policy. Kindly ensure that this plan will best serve your Email: customerservice@gibraltarbsn.com
needs and that the premium payable under the Website: www.GibraltarBSN.com
The benefits payable on Critical Illness and Waiver
of Premium upon diagnosis of Critical Illness policy is an amount you can afford. Gibraltar BSN Life Berhad is licensed under the
under this policy are subject to the fulfilment of If you surrender your policy prior to the end of Financial Services Act 2013 and regulated by
the Waiting Period and Survival Period: the policy term, you may get back less than the Bank Negara Malaysia.
amount you have paid. If you stop paying the
Waiting Survival premium before the end of the premium payment
Critical
Period* Period^ term there may be an early termination of the
Illnesses
(Days) (Days)
coverage.
Cancer 60 30 This brochure is for general information only
Heart Attack 60 30 and the list of exclusions and other terms
and conditions are not exhaustive. It is not a
Stroke 30 30
#
contract of insurance. Please refer to the Product
Hospital Income 30 – Disclosure Sheet (PDS) and policy contract for
further details on the terms and conditions of
* Applicable from Risk Commencement Date or Last this plan. The brochure in Bahasa Malaysia is
Reinstatement Date, whichever is later and subject to
full payment made. available upon request. If there is any ambiguity
^ Applicable from Date of Diagnosis. between the English version and the Bahasa
# Not applicable to hospitalisation due to accident. Malaysia version, the English version shall prevail.