tag:blogger.com,1999:blog-77040574775802806822012-11-28T02:27:22.980+08:00ING Life / Allianz General InsuranceMyFriendnoreply@blogger.comBlogger25125tag:blogger.com,1999:blog-7704057477580280682.post-68450047299197197892012-11-28T02:27:00.001+08:002012-11-28T02:27:22.993+08:002012-11-28T02:27:22.993+08:00<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-NrtIFhJOMDE/ULUF_16GuNI/AAAAAAAAFKo/msIpgduyqzU/s1600/allianz-signature.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-NrtIFhJOMDE/ULUF_16GuNI/AAAAAAAAFKo/msIpgduyqzU/s1600/allianz-signature.jpg" /></a></div>
<br /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-6845004729919719789?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-3361695982945450282012-09-04T11:51:00.000+08:002012-09-04T11:53:41.878+08:002012-09-04T11:53:41.878+08:00Critical Illness Cover - Explained<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-vjryWgZ_zN8/UEV6PSe8a8I/AAAAAAAAFIk/uRjB2eJ6Dpc/s1600/critical-illness-cover.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="237" src="http://4.bp.blogspot.com/-vjryWgZ_zN8/UEV6PSe8a8I/AAAAAAAAFIk/uRjB2eJ6Dpc/s320/critical-illness-cover.jpg" width="320" /></a></div>
<span style="font-size: 1.2em;">A serious illness, such as cancer or heart attack, affects one-in-four women and one-in-five men before retirement age. </span><br />
<span style="font-size: 1.2em;"><br /></span>
<span style="font-size: 1.2em;">Critical
illness insurance is designed to ease the financial pressures by paying
a tax-free lump sum if you become seriously ill or totally disabled.
You must normally survive at least one month after becoming critically
ill, before the policy will pay out. </span><br />
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<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
<strong>What it covers</strong></span><br />
<span style="font-size: 1.2em;"><strong> </strong>
</span><br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
Originally known as 'dread disease cover', critical illness insurance
pays benefits on the diagnosis of certain specified critical illnesses.
The range of diseases covered has increased to 30, though
contracts differ from one company to another. </span><br />
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<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
All policies should cover seven core conditions. These are cancer,
coronary artery bypass, heart attack, kidney failure, major organ
transplant, multiple sclerosis and stroke. They will also pay out if a
policyholder becomes permanently disabled as a result of injury or
illness. </span><br />
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<span style="font-size: 1.2em;"></span><span style="font-size: 1.2em;"></span><span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
There are also more restrictive conditions for heart attacks. There has
to be evidence of typical chest pain, or changes in the
electrocardiogram (ECG), for example, if a claim is to be successful.
Cardiac conditions, such as angina, will not be covered. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
For single people with no dependents, critical illness cover that pays
off the mortgage is more important than having life cover, as it means
you have fewer bills or a lump sum to play with if you are very unwell. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
But it can also be useful if you are part of a couple. It provides a
welcome financial boost at a time of emotional stress and financial
hardship.
</span><br />
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</span><span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
<strong>The details</strong></span><br />
<span style="font-size: 1.2em;"><strong> </strong>
</span><br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
Most providers allow people to take out cover between the ages of 17 and
70. It can be for a specified number of years - as long as your
mortgage, for example - or for life. Or you can just take out a policy
and keep it going for as long as you choose. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
<strong>Getting covered</strong></span><br />
<span style="font-size: 1.2em;"><strong> </strong>
</span><br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
To take out critical illness cover you will need to complete a proposal
form. You will be asked if members of your family have suffered major
illnesses in the past. If they have, your policy may be rated, which
means you will pay higher premiums or will not be covered for certain
conditions. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">You may need a medical before
being accepted for cover, but this does not necessarily mean you will
have to pay higher premiums. You pay more if you are a smoker. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
Not all illnesses are covered. Some of the most common exclusions
include HIV/Aids, drug misuse, self-inflicted injury and criminal acts. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;"><strong>IMPORTANT: Be honest about your medical history</strong></span><br />
<span style="font-size: 1.2em;"><strong> </strong>
</span><br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">It is vitally important that
you are honest and give the insurer the most complete information you
can when applying for health related insurance. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">If you need to claim - i.e.
the time you actually want the insurance to work - the insurer will
trawl through your medical history for details that you neglected to
tell them when you applied. If they find such information, they could
refuse your claim.
</span><br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">It might make your insurance more expensive, but in the long run it could the difference between getting a pay out or nothing. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;"><strong>Making your choice</strong></span><br />
<span style="font-size: 1.2em;"><strong> </strong>
</span><br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
Choosing the right plan can be tricky. There are more than 16 providers offering various versions of critical illness insurance. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
Policies vary widely in the illnesses they cover so don't simply opt for
the cheapest plan because it will probably offer limited cover. On the
other hand, don't go for the policy that covers everything from anthrax
to yellow fever -it may not be the most appropriate. Policies that
appear to cover every serious illness imaginable are sometimes merely an
excuse for the insurer to charge higher premiums. </span><br />
<br />
<span style="font-size: 1.2em;"></span><span style="font-size: 1.2em;"></span><span style="font-size: 1.2em;">
</span>
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
<strong>
Buying critical illness cover</strong></span><br />
<span style="font-size: 1.2em;"><strong> </strong>
</span><br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
The sale of critical illness cover often accompanies an important life event, such as buying a house or having children. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
When borrowers take out a mortgage, the lender may well try to sell
critical illness cover, as well as life assurance or income protection,
on top of the mortgage. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
It will rarely pay to accept the insurance they are offering. It is
unlikely that the seller will be able to offer you the best of what is
on offer from the insurance market, and there is no reason to assume it
will be priced competitively. </span><br />
<br />
<span style="font-size: 1.2em;">ING Insurance can provide a list of Critical Illness policies, you can contact me on +6 (012) 634 9414. </span><span style="font-size: 1.2em;"><br /></span><br />
<br />
<span style="font-size: 1.2em;"></span><span style="font-size: 1.2em;"></span><span style="font-size: 1.2em;"><strong>Making a claim</strong></span><br />
<span style="font-size: 1.2em;"><strong> </strong>
</span><br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
Payment is generally made within 30 days of a serious illness being
diagnosed though in the event of permanent disability it will take
longer - usually six months to a year. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
Critical illness insurance is different to Income Protection (also known
as permanent health insurance).</span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
</span>
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;"><strong>Using your payout</strong></span><br />
<span style="font-size: 1.2em;"><strong> </strong>
</span><br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
How you use the benefits is entirely up to you. They may be used to pay
off a mortgage or clear outstanding debts. They can also help to pay for
childcare or home help. </span><br />
<br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
Crucially, benefits from a critical illness policy give you time to come
to terms with your condition and decide what changes you want or need
to make to your life. </span><br />
<span style="font-size: 1.2em;">
</span><br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
<strong>If you change your mind</strong></span><br />
<span style="font-size: 1.2em;"><strong> </strong>
</span><br />
<span style="font-size: 1.2em;">
</span><span style="font-size: 1.2em;">
Most policies should have a 14-day cooling off period when you can
change your mind. If you contact the insurer and cancel the policy in
this time you should receive a full refund of your first premium.</span><br />
<div style="background-color: white; border: medium none; color: black; overflow: hidden; text-align: left; text-decoration: none;">
<br /><div>
<div style="text-align: center;">
<span style="font-size: small;"><span><b><b>Contact me to enquire about ING Premier Critical Illness at :</b></b></span></span></div>
<div style="text-align: center;">
<span style="font-size: small;"><span><b><b>Anuradha .R </b></b></span></span></div>
<div style="text-align: center;">
<span style="font-size: small;"><span><b><b>+6 (012) 634 9414</b></b></span></span></div>
<div style="text-align: center;">
<span style="font-size: small;"><span><b><b>engineer2207@gmail.com</b></b></span></span></div>
</div>
</div>
<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-336169598294545028?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-73661140630862415152012-05-28T10:52:00.000+08:002012-05-28T10:52:58.379+08:002012-05-28T10:52:58.379+08:00Can I Afford a House, Car, and Vacation?Houses, cars, and <a class="kLink" href="http://money.usnews.com/money/personal-finance/articles/2011/03/16/can-i-afford-a-house-car-and-vacation?s_cid=related-links:TOP#" id="KonaLink0" style="font-family: inherit !important; font-size: inherit !important; font-weight: inherit !important; position: static; text-decoration: underline !important;"><span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">vacations</span></span></a> are three big-ticket items that almost all of us want at some point, but when can we afford them? To help you decide just how much you can afford, we spoke to seven experts about how to make these decisions, as well as the most common mistakes that land people in trouble. Here's your guide to deciding what you can afford—and what you can't:<br />
<br />
<b>Can I afford a house? </b><br />
<br />
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<a href="http://2.bp.blogspot.com/-0--auaB4jGg/TxJjWvcVxGI/AAAAAAAAFE0/hCxhVoh-oe0/s1600/money-house.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="213" src="http://2.bp.blogspot.com/-0--auaB4jGg/TxJjWvcVxGI/AAAAAAAAFE0/hCxhVoh-oe0/s320/money-house.jpg" width="320" /></a></div>
<b>Factors to consider: </b>Whether you're ready to make a sizable downpayment (15 or 20 percent), how long you plan to stay, and if you can handle additional expenses such as maintenance costs—as well as swings in the real estate market—all play a role in whether it's a good time to buy.<br />
<br />
<b>The hidden costs: </b>"The purchase price of a home is only a wee part of the real cost of buying a home," says Carmen Wong Ulrich, author of <i><a href="http://carmenwongulrich.com/">The Real Cost of Living.</a></i> Aside from closing costs, insurance, and fees, buyers also take on the risk of the housing market. If the value of your home goes down, the value of your assets falls. That's why Ulrich says you should also consider the stability of your <span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">job</span></span>, the neighborhood, schools, and the overall state of the housing market in the area before taking the plunge.<br />
<br />
Elisabeth Leamy, <i>Good Morning America</i>'s consumer correspondent and author of <i><a href="http://www.elisabethleamy.com/home"> Save Big: Cut Your Top 5 Costs and Save Thousands</a></i>, recommends that renters only buy a house if the mortgage payment will be similar to their rent payment. That way, she says, "If you can afford your rent payments, you will be able to afford your house payments. It's that simple." (She created a <a href="http://www.elisabethleamy.com/savings_calculators?savings_calculators=savings_chap2&part=Part%20I">calculator</a> that crunches the numbers for you.)<br />
<br />
For some people, though, even that amount can be too high, says<a href="http://www.farnoosh.tv/"> <i>Psych Yourself Rich</i></a> author Farnoosh Torabi. "You need to remember that owning a home involves some extra expenses, namely taxes, common charges, and upkeep. If a pipe breaks loose, there's no super or landlord to cover the cost. It's all coming out of your pocket."<br />
<br />
<b>Common mistakes: </b><br />
<br />
1. Moving within a few years. Buying a house generates a lot of transaction costs; financial expert <a href="http://manishathakor.com/">Manisha Thakor</a> estimates that they can add up to around 10 percent of the total purchase price. That means you want to live in the house long enough for price appreciation to offset those costs, she says. One rule of thumb is to plan on settling in for at least five years.<br />
<br />
2. Borrowing the maximum amount allowed by the bank. It's tempting to take banks up on their pre-approval offers, but the problem is that they don't always factor in your future income changes. If you start a family and one spouse stays home, for example, your household income could easily be cut in half. "You want to factor that in before you buy," says Thakor.<br />
<br />
3. Forgetting to look beyond the numbers. "You might be able to financially afford to buy a home, but is it worth it to you? If you enjoy a transient lifestyle, then it might not be," says Torabi.<br />
<br />
Laura Vanderkam, author of <i><a href="http://www.my168hours.com/">168 Hours: You Have More Time Than You Think</a></i>, adds that the less you spend on your house, the more you'll have for other enjoyable activities, such as trips, dinners out, and entertainment. "Those things might actually make you happier than a more expensive house," she says.<br />
<br />
<b>Can I afford a car?</b><br />
<br />
<a href="http://3.bp.blogspot.com/-jXLxNBffAVY/TxJjlCsbzeI/AAAAAAAAFE8/pNusf812rI8/s1600/Washington-Auto-Insurance-You-Cant-Afford-to-be-Without-It.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="240" src="http://3.bp.blogspot.com/-jXLxNBffAVY/TxJjlCsbzeI/AAAAAAAAFE8/pNusf812rI8/s320/Washington-Auto-Insurance-You-Cant-Afford-to-be-Without-It.jpg" width="320" /></a><b>Factors to consider:</b> Your lifestyle, maintenance costs, and personal preferences all play a role in deciding whether it makes sense to buy a car.<br />
<br />
<b>The hidden costs</b>: Depreciation means that the moment you drive your new purchase off the lot, its value plummets. That's why Ulrich asks why anyone would bother purchasing a <span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">new </span><span class="kLink" style="font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">car</span></span>. "Imagine what else you could do with those thousands of dollars," she says. Instead, she recommends buying certified pre-owned vehicles.<br />
<br />
Anyone taking out a car loan needs to consider the interest payments and the length of the term, says John Sternal, vice president of <a href="http://www.leasetrader.com/">LeaseTrader.com.</a> Before deciding whether to lease a car or buy one, he recommends asking yourself how long you want to drive the car, and how often, since people who prefer to drive <span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">new </span><span class="kLink" style="font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">cars</span></span> for relatively short periods of time often save by leasing instead of buying.<br />
<br />
<b>Common mistakes: </b><br />
<br />
1. Failing to maintain it properly. Maintenance isn't free, but it's worth it, says Ulrich, because it helps cars retain their value. "Make the kids clean up after themselves, get it detailed every season, and stay on top of maintenance schedules," she says. That way, you'll get more money when and if you trade it in, and you'll save on repair costs down the road.<br />
<br />
2. Losing at the dealership. After your initial meeting with the salesperson, walk away to give yourself time to think, says Sternal. Car salespeople are notorious for using various methods to get people to commit to purchasing. Patient buyers are more likely to come out ahead. By leaving the showroom, you'll be able to think without any pressure and you might even get a call with a better deal. Also, he recommends researching your financing options ahead of time so you don't have to accept the terms offered by the dealership. Cleaning up your credit report in advance—by getting rid of errors that are dragging down your score—can also help you score a better interest rate.<br />
<br />
3. Ignoring gas and maintenance. These costs depend on the type of car as well as your lifestyle; choosing a fuel-efficient vehicle with a reputation for quality can help minimize them. Car insurance is another big factor; consider <a class="kLink" href="http://money.usnews.com/money/personal-finance/articles/2011/03/16/can-i-afford-a-house-car-and-vacation?PageNr=2&s_cid=related-links:TOP#" id="KonaLink1" style="font-family: inherit !important; font-size: inherit !important; font-weight: inherit !important; position: static; text-decoration: underline !important;"><span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">shopping</span></span></a> around to get the best deal.<br />
<br />
<b>Can I afford a vacation?</b><br />
<br />
<a href="http://3.bp.blogspot.com/-cL6x82IbGNA/TxJjtLRKRGI/AAAAAAAAFFE/cqWsj1iPZVk/s1600/vacation-fund-1.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="240" src="http://3.bp.blogspot.com/-cL6x82IbGNA/TxJjtLRKRGI/AAAAAAAAFFE/cqWsj1iPZVk/s320/vacation-fund-1.jpg" width="320" /></a><b>Factors to consider:</b> "Travel is a wonderful way to boost happiness. We savor the anticipation, and then we savor the memories afterwards," says Vanderkam. To avoid also savoring credit card bills, she recommends saving up before the trip to make sure it fits into your overall financial picture. "You don't want those memories spoiled by debt," she says. You might also be able to find other creative ways to cut costs, such as asking for relatives' frequent flier miles as a gift, or staying with friends in foreign cities.<br />
<br />
Torabi suggests putting aside 2 to 3 percent of your take-home pay for an annual vacation, because even though it's discretionary, it can be money well-spent.<br />
<br />
<b>The hidden costs:</b> In addition to basic costs such as airfare and hotel accommodations, Ulrich recommends factoring in an additional 25 or 50 percent of your overall budget for food, drink, and local transportation. She recommends doing as much advance research as possible to make sure you're getting the best deal and aren't surprised by unexpected expenses. Entrepreneurs face the added cost of losing out on income while they are away.<br />
<br />
<b>Common mistakes: </b><br />
<br />
1. Charging it. Thakor says that if you can't afford to pay for your vacation in cash, don't take it. "A vacation is a luxury," which means it doesn't belong on your credit card, she says.<br />
<br />
2. Not planning ahead. This advice is aimed especially at self-employed people who don't automatically earn vacation days. "The trick is to plan it as soon as humanly possible, even a year or more ahead of time, so you can save for it and also make sure your <span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">projects</span></span> and clients are prepared," says Michelle Goodman, author of<i> <a href="http://www.anti9to5guide.com/">The Anti 9-to-5 Guide.</a></i><br />
<br />
3. Forgetting to give yourself a time cushion. Goodman recommends leaving a day after you return home to catch up on e-mail, errands, and other administrative details that get ignored when you're away. Some people even tell clients they're returning a day later than they actually are, to give themselves this buffer.<br />
<br />
<b>Bottom line:</b> Big purchases carry hidden costs—but also big rewards. Knowing what you're getting into before parting with your cash can help you avoid costly mistakes.<br />
<br />
<span style="font-size: x-small;">Source: http://money.usnews.com </span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-7366114063086241515?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-33817560142985183132012-05-09T18:31:00.000+08:002012-05-09T18:31:13.085+08:002012-05-09T18:31:13.085+08:005 Myths About Generation DebtThe term “generation debt” tends to get thrown around a lot when it comes to describing today’s young professionals. Media pundits—especially older ones who have long paid off their own student loans—like to point out that we carry a lot of debt and spend more than our paychecks. But is that really true?<br />
<br />
we don’t deserve that label anymore. Here are five myths—and truths—about our generation and money.<br />
<div class="separator" style="clear: both; text-align: center;">
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<br />
<br />
<b>5. Myth: We’re clueless about finances.</b><br />
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Truth: It turns out we know a lot—in some cases, more than our parents’ generation. A survey by the online brokerage firm Scottrade found that the recession actually inspired 20-somethings to educate themselves about how the economy <span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">works</span></span> as well as to learn more about their own personal financial situations.<br />
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In addition, a higher percentage of respondents said they’re doing more research before investing relative to older groups. Scottrade reports that part of the reason we’re excelling at managing our money is because we see it as fun, instead of a tedious obligation.<br />
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<b>4. Myth: We’re depressed about our financial future. </b><br />
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Truth: It’s true, we’ve had it rough: We’ve experienced two recessions before we’ve even hit our career strides (first from the dot-com bust, then from the real estate implosion) and unemployment is highest among young adults—an astounding 37 percent of people between the ages of 18 to 29 are unemployed or out of the workforce.<br />
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But we still manage to stay upbeat about our futures, an essential skill if we’re going to ride out these challenges. According to the Pew Research Center, only three in ten young people say they earn enough money to lead “the kind of <span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">life</span></span> they want,” while nine in ten say they believe they will be able to do so in the future. Only 76 percent of Gen Xers and 46 percent of Baby Boomers say the same thing.<br />
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<b>3. Myth: We waste our money on frivolous purchases. </b><br />
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Truth: We care less, not more, about brand names and keeping up with the latest fashion compared to older generations. Surveys taken since the recession show that 20-somethings report caring less about following the latest trends and styles, preferring a newer, frugal mindset. A survey by TNS Retail Forward found that shoppers in their 20s and 30s were most likely to buy the least expensive versions of products. Part of that comes from the fact that we’re savvy consumers—we grew up knowing how to use the Internet to find the best deal, and we don’t hesitate to use it.<br />
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<b>2. Myth: We earn less than our parents did at our age.</b><br />
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Truth: In many ways, we’re the richest generation to have existed. Yes, we face a relatively high unemployment rate, but the jobs we do have come with record benefits—largely <span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">health </span><span class="kLink" style="font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">insurance</span></span>-related. Studies by the Federal Reserve Bank of Minneapolis show that after you adjust for inflation and benefits, median compensation rates have increased 28 percent since 1975.<br />
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That helps explain why a Pew survey—taken after the recession—found that 60 percent of respondents under the age of 40 say their standard of living is better than that of their parents at the same age. Just 15 percent said it was worse.<br />
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<b>1. Myth: We deserve the name “generation debt” because we have so much of it. </b><br />
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Truth: Yes, many of us carry student loan debt. And some of us carry monster <span style="color: black; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">credit </span><span class="kLink" style="font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">card</span></span> debt. But we’re not defined by it, because there’s so much more on our minds. We want to own nice homes, feel financially successful, support our families, one day send our kids to college, and change the world at the same time. Although we may now have some money to invest, our goals involve far more than just becoming rich.<br />
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The financial crisis of 2008 dovetailed with a growing interest in sustainability, simplicity, and even frugality. Instead of living exclusively for our own pleasures, we have embraced a new level of social consciousness. We care about the environment, our cities, and social justice.<br />
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The bottom line? We don’t need to resign ourselves to lives defined by debt. We can earn more, save more, and live more richly—largely because we’ve redefined what “rich” means.<br />
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<span style="font-size: x-small;">Source: http://money.usnews.com/ </span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-3381756014298518313?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-16094419092330841642012-04-26T15:34:00.000+08:002012-04-26T15:34:20.680+08:002012-04-26T15:34:20.680+08:00Celebrities With the Biggest Money ProblemsWhen it comes to money, celebrities are just like the rest of us—they spend too much, save too little, and make plenty of poor money choices. In fact, their unpredictable incomes and expensive lifestyles can put them at even greater risk than the average person for financial downfall. These eight celebrities are among the most monetarily-challenged.<br />
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Toni Braxton</h2>
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Toni Braxton filed for bankruptcy last year for the second time, and she owes as much as $50 million to companies including AT&T, Tiffany, and the Four Seasons. The famous singer has also faced liens from the IRS for unpaid taxes. Her financial troubles are now back in the spotlight as she stars on her family’s new reality TV show on WE TV.<br />
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Stephen Baldwin</h2>
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<a href="http://3.bp.blogspot.com/-LicraJtrTgs/TxJfOELs9kI/AAAAAAAAFEk/BalOLYmCYRg/s1600/FE_DA_StephenBaldwin_CelebrityMoneySlideshow.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://3.bp.blogspot.com/-LicraJtrTgs/TxJfOELs9kI/AAAAAAAAFEk/BalOLYmCYRg/s320/FE_DA_StephenBaldwin_CelebrityMoneySlideshow.jpg" width="320" /></a></div>
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<span style="font-size: small;"><span style="font-weight: normal;">In 2009, the youngest Baldwin brother filed for bankruptcy, which revealed he had more than $2 million in debt. Although he’s starred in various reality television shows and serves as a frequent spokesperson in the media, his spending seems to consistently outpace his earnings. </span></span></h2>
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Britney Spears</h2>
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<span style="font-size: small;">Spears’s 2008 divorce filings showed that the pop star saved none of her $737,000 monthly income. Instead, she spent it on her homes, restaurants, and entertainment. After her more recent career comeback and her father’s guardianship over her, she appears to be getting her finances under better control.</span></h2>
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Nicolas Cage</h2>
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<a href="http://1.bp.blogspot.com/-G6xtEDJd7yM/TxJfLoVvPlI/AAAAAAAAFEU/1xLjqsWnYP0/s1600/FE_DA_NicolasCage_CelebrityMoneySlideshow.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://1.bp.blogspot.com/-G6xtEDJd7yM/TxJfLoVvPlI/AAAAAAAAFEU/1xLjqsWnYP0/s320/FE_DA_NicolasCage_CelebrityMoneySlideshow.jpg" width="320" /></a></div>
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<span style="font-size: small;">The actor has owned multiple homes (as many as 15 at once), almost two dozen cars (including nine Rolls Royces), and pricey art and jewelry, according to the celebrity website TMZ.com. Indeed, his lifestyle costs an estimated $30 million a year to maintain, according to his former manager. He’s also clashed with that manager in court over mismanagement accusations, but the lawsuits have now been settled.</span></h2>
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Annie Leibovitz</h2>
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<span style="font-size: small;">The famous photographer ran into trouble after her partner, Susan Sontag, died, and Leibovitz was unable to inherit her estate without paying huge estate taxes. But Leibovitz’s financial troubles, which culminated in $24 million in debt, also came from unpaid taxes, outstanding rental equipment fees, an uncompleted book deal, and renovation payments.</span></h2>
<h2>
Sarah Ferguson</h2>
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<a href="http://1.bp.blogspot.com/-Dy9HHiWVREY/TxJfM0oNDdI/AAAAAAAAFEc/CKptkOdDOgk/s1600/FE_DA_SarahFerguson_CelebrityMoneySlideshow.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://1.bp.blogspot.com/-Dy9HHiWVREY/TxJfM0oNDdI/AAAAAAAAFEc/CKptkOdDOgk/s320/FE_DA_SarahFerguson_CelebrityMoneySlideshow.jpg" width="320" /></a></div>
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<span style="font-size: small;">After divorcing Prince Andrew, the Duchess of York was given an allowance, estimated to be worth around $24,000 a year. She also wrote books and rang up endorsement deals, but she was unable to afford her lifestyle and ran into such financial trouble that she was caught appearing to sell access to her famous family last year. She is now rebuilding her life, as her Oprah Winfrey Network show <i>Finding Sarah</i> documents.</span></h2>
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Donald Trump</h2>
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<a href="http://1.bp.blogspot.com/-TYtQqUpDAL8/TxJfJYb-T_I/AAAAAAAAFEE/wCor_XJrzCk/s1600/FE_DA_DonaldTrump_CelebrityMoneySlideshow.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://1.bp.blogspot.com/-TYtQqUpDAL8/TxJfJYb-T_I/AAAAAAAAFEE/wCor_XJrzCk/s320/FE_DA_DonaldTrump_CelebrityMoneySlideshow.jpg" width="320" /></a></div>
<h2 style="font-weight: normal;">
<span style="font-size: small;">The real estate tycoon is known for exaggerating his net worth, which is estimated at around $1 billion. (Trump himself has said it is closer to $3.5 billion.) He has filed for corporate bankruptcy four times, most recently in 2009, which he has described as a valid business strategy.</span></h2>
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Lindsay Lohan</h2>
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<span style="font-size: small;">In addition to her jail time and drug charges, Lohan is known for her big-spending ways. She’s purchased $30,000 Rolex watches and a $100,000-plus Maserati. She’s also struggled to match her earlier earnings since her personal troubles have prevented her from scoring as many starring roles.</span></h2>
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<span style="font-size: small;"><span style="font-size: x-small;">Source: http://money.usnews.com </span></span></h2>
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</h2><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-1609441909233084164?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-19815916793409602482012-03-08T18:52:00.000+08:002012-03-08T18:52:42.984+08:002012-03-08T18:52:42.984+08:00Rich People Stressed About Retirement TooTheir concerns might be laughed (or booed) out of an Occupy encampment, but affluent Americans are also feeling the pinch of hard times, especially when it comes to retirement. A new <span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="background-color: transparent; border-bottom: 1px solid rgb(0, 84, 151); font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">survey</span></span> by Wells Fargo found that even wealthy Americans are increasingly worried that they won’t be able to comfortably retire.<br />
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It might be hard to sympathize with people who own $100,000 or more in investable assets (Wells Fargo’s definition of affluence), but the survey results suggest deep-seated anxiety, even among the rich. Consider these findings:<br />
<div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/-5kLKxuhXCqQ/TxJsdC8JSCI/AAAAAAAAFFs/qQkUnUjRW9U/s1600/richpeople.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://2.bp.blogspot.com/-5kLKxuhXCqQ/TxJsdC8JSCI/AAAAAAAAFFs/qQkUnUjRW9U/s1600/richpeople.jpg" /></a></div><ul><li>More than one-third of the affluent respondents said they needed to “significantly” scale back spending to save for retirement. </li>
<li>Four in 10 respondents said they worry that even if they “do all the right things,” they still won’t have enough saved for retirement—a fear likely fueled by the dismal <a class="kLink" href="http://money.usnews.com/money/blogs/alpha-consumer/2012/01/09/rich-people-stressed-about-retirement-too?s_cid=related-links:TOP#" id="KonaLink1" style="font-family: inherit !important; font-size: inherit !important; font-weight: inherit !important; position: static; text-decoration: underline !important;"><span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">stock </span><span class="kLink" style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">market</span></span></a> returns of the last decade.</li>
<li>One in four said they are not sure they will be able to save enough for retirement. Those without written retirement plans were especially likely to worry about that. About 54 percent of the affluent respondents said they had detailed written retirement plans, compared with 30 percent of middle-class respondents.</li>
<li>One in five respondents between ages 60 and 75 were not sure when they would be able to retire, with 12 percent saying they will need to <a class="kLink" href="http://money.usnews.com/money/blogs/alpha-consumer/2012/01/09/rich-people-stressed-about-retirement-too?s_cid=related-links:TOP#" id="KonaLink2" style="font-family: inherit !important; font-size: inherit !important; font-weight: inherit !important; position: static; text-decoration: underline !important;"><span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">work</span></span></a> until age 80 or older. (By comparison, about 25 percent of middle-class Americans say they will work until age 80 or older.)</li>
</ul><ul><li>Almost one-third of respondents named healthcare bills as a top financial concern, followed by monthly bills.</li>
<li>Women are less confident about affording retirement than men; one in three female respondents said they aren’t confident they will have enough saved to retire, compared with 18 percent of male respondents.</li>
<li>The affluent men surveyed had saved a median of $400,000 for retirement, compared with the $250,000 saved by affluent women. Men are also more likely to receive a pension, with 57 percent anticipating one compared to 47 percent of women. (Older respondents, age 60 and up, were also far more likely to have pensions than younger respondents.)</li>
</ul><b>The bottom line:</b> Americans across all income levels are stressed about retirement at a time of weak stock market returns, rising healthcare costs, and a stagnant <span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="background-color: transparent; border-bottom: 1px solid rgb(0, 84, 151); color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">job</span></span> market.<br />
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<span style="font-size: x-small;">Source: http://money.usnews.com </span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-1981591679340960248?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-4895552825007102842012-02-04T10:26:00.000+08:002012-02-04T10:26:35.290+08:002012-02-04T10:26:35.290+08:006 Best Money Tips for Young PeopleWhen you start earning a steady income for the first time, it's easy to spend too much on luxuries or to take on debt. But it's also the best time to set yourself on the path toward wealth.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/-6vrFKvT-BZM/TyyXSd9wOaI/AAAAAAAAFHM/zKWj869WSNM/s1600/855.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="http://4.bp.blogspot.com/-6vrFKvT-BZM/TyyXSd9wOaI/AAAAAAAAFHM/zKWj869WSNM/s320/855.jpg" width="320" /></a></div><br />
<b>Save one-third of your income. </b>Putting $1 out of every $3 you earn into the bank might sound like a lot, and it is. At some times in your life, such as shortly after graduation or upon the birth of a child, when your budget is strained to capacity, it's impossible. But at some point, it will become not only possible but essential to creating stability in your financial life. That's because significant savings are the only way to weather the inevitable tough periods, such as layoffs, as well as move toward longer-term dreams, such as starting our own business. Yes, saving such a big chunk of money each month means sacrificing some comforts and indulgences in the short term, but it's the only way to get closer to that ultimate goal of financial security.<br />
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<b>Don't scrimp on career-related investments.</b> There's one area where it's okay to be a spendaholic, and that's when it comes to investing in your future earning power. The category includes not only education expenses, but also voice lessons for an aspiring podcaster, how-to books for those with potentially lucrative hobbies, and a new wardrobe for office workers who need to impress the higher-ups. Even hiring a maid service is an investment in your future if you use the extra time it creates to work on your writing or website.<br />
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<b>Cultivate your most ambitious dreams. </b>The primary reason many people don't reach their long-term financial goals is that they fail to ever articulate—even to themselves—what those goals are. Do you want to quit your day <a class="kLink" href="http://money.usnews.com/money/personal-finance/articles/2010/10/12/6-best-money-tips-for-young-people?s_cid=related-links:TOP#" id="KonaLink0" style="font-family: inherit !important; font-size: inherit !important; font-weight: inherit !important; position: static; text-decoration: underline !important;"><span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">job</span></span></a> and knit full-time? Or open the next big cupcake shop? Or star on your own reality television show? If you're having trouble putting your finger on it, ask the people who know you best. Brainstorming with your significant other, family members, and friends can help shake loose your own thoughts.<br />
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<b>Pay off all but your cheapest student loans early. </b>Student loans that carry a 5 or 6 percent interest <span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">rate</span></span> (or higher) are costing you much more than your savings can earn in this current low-interest rate environment. That means paying off a chunk of your student loans will immediately start saving you more money than you could if you continue to make those slow and steady monthly payments. Of <span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="background-color: transparent; border-bottom: 1px solid rgb(0, 84, 151); color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">course</span></span>, not everyone has the cash to pay off a large portion of their loans, and it will probably take five-plus years after graduation to get to the point when you can even consider it. But once you have a healthy <span style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;"><span class="kLink" style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">bank </span><span class="kLink" style="color: #005497; font-family: inherit; font-size: inherit ! important; font-weight: inherit ! important; position: static;">account</span></span>, don't wait too long to start paying off big chunks of those more expensive student loans.<br />
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<b>Don't wait to invest until you have "extra money." </b>Waiting to start a retirement account until you feel like you can afford it might mean that you can never retire. Don't wait to open up a 401(k) account if your employer offers it, even if you start by contributing just 2 percent of your salary. Soon, you can raise that percentage to 4 percent, and eventually to 10 percent or higher. For extra motivation, plug your numbers into a retirement calculator on bankrate.com, and see how much you need to fund your golden years—it's probably much more than $1 million.<br />
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<b>Give back—on your own terms. </b>Companies know that we want to make a difference in the world, and they want to profit off of that desire. That's why so many of them are cashing in on the $600 billion plus "green" industry by claiming to be environmentally friendly when they're not. It's so common that it has a name: "greenwashing." Don't be fooled by all-natural labeling; investigate why the company is claiming to be good for the earth before spending your money. A similar lesson applies to giving to charitable donations: Use Charity Navigator to check the background of your chosen organization before donating any money to make sure it's going to use the money the way you want it to.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-489555282500710284?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-25933377442920043572012-02-01T18:05:00.002+08:002012-02-01T18:08:37.791+08:002012-02-01T18:08:37.791+08:008 things your hospital won't tell you<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/-XoGdfvGOBqA/TykO4Tc6VfI/AAAAAAAAFHE/7nR5hOyRoR0/s1600/placenta5.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-XoGdfvGOBqA/TykO4Tc6VfI/AAAAAAAAFHE/7nR5hOyRoR0/s1600/placenta5.jpg" /></a></div>A hospital is supposed to make you better, but you may not feel too well after reading this. Some words of advice: Be your own health care advocate.<br />
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<b>1. "Oops, wrong kidney."</b><br />
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In recent years, errors in treatment have become a serious problem for hospitals, ranging from operations on wrong body parts to medication mix-ups.<br />
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Though the system is improving, it still has a long way to go. Patients should always have a friend, relative or patient advocate from the hospital staff at their side to take notes and make sure the right medications are being dispensed.<br />
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<b>2. "Getting out of the hospital doesn't mean you're out of the woods."</b><br />
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A study released recently by <a class="opennew" href="http://www.rff.org/Pages/default.aspx" target="_blank">Resources for the Future</a>, a nonprofit group that conducts independent research on public health issues, says infections of <a class="opennew" href="http://www.bing.com/search?q=sepsis+definition&form=msmony" target="_blank">sepsis</a> and pneumonia acquired in the hospital may kill 48,000 people each year. What's more, the study shows, these infections cost $8.1 billion to treat and lead to 2.3 million total days of hospitalization.<br />
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For all of modern medicine's advances, the best way to minimize infection risk is low-tech: Make sure anyone who touches you washes his or her hands. Tubes and catheters are also a source of bugs, and patients should ask daily if they are necessary.<br />
<br />
<b>3. "Good luck finding the person in charge."</b><br />
<br />
In a sea of blue scrubs, getting the attention of the right person can be difficult. Who's in charge? Nurses don't report to doctors but rather to a nurse supervisor. And your personal doctor has little say over radiology or the labs running your tests, which are managed by the hospital. Some facilities employ "hospitalists" -- doctors who act as a point person to conduct the flow of information. Most hospitals now have rapid-response teams -- specialized personnel who can rush to the bedside to assess a declining patient. Haskell urges patients to know the hospital hierarchy, read name tags, get the attending physician's phone number and know how to reach the rapid-response team. If all else fails, demand a nurse supervisor -- likely the highest-ranking person who is accessible quickly.<b> </b><br />
<b><br />
</b><br />
<b>4. "Everything is negotiable, even your hospital bill."</b><br />
<br />
When it comes to getting paid, hospitals have their work cut out for them. Medical bills are a major cause of bankruptcy in the U.S., and when collectors are put on the case, they take up to 25% of what is reclaimed, according to Dr. Mark Friedman, the founder of billing consultant <a class="opennew" href="http://www.prmhcs.com/" target="_blank">Premium HealthCare Services</a>. That leaves room for some bargaining.<br />
<br />
<b>5. "Yes, we take your insurance, but we're not sure about the anesthesiologist."</b><br />
<br />
The last thing on your mind before surgery is making sure every doctor involved is in your network. But because the answer is often no for anesthesiologists, pathologists and radiologists, what's a patient to do?<br />
<br />
If you're alert enough, ask for someone in your network. If you're seeing a physician or going to any medical facility, call your insurance company for a current list of network physicians, hospitals and labs. Also, if the referral appointment is being made by your primary-care physician, request the scheduling staff to find specialists, hospitals and labs in your network.<br />
<br />
<b>6. "Sometimes we bill you twice."</b><br />
<br />
Crack the code of medical bills, and you may find a few surprises: charges for services you never received or for routine items, such as gowns and gloves, that shouldn't be billed separately. Clerical errors are often the reason for mistakes. One transposed number in a billing code can result in a charge for placing a catheter in an artery versus a vein -- which can come to a difference of thousands of dollars.<br />
<br />
<b>7. "All hospitals are not created equal."</b><br />
<br />
How do you tell a good hospital from a bad one? For one thing, nurses. When it comes to their own families, medical workers favor institutions that attract nurses. But they're harder to find as the country's nursing shortage intensifies; by 2020, there will be a deficit of about 1 million nurses. Low nurse staffing directly affected patient outcomes resulting in more problems, such as urinary-tract infections, shock and gastrointestinal bleeding.<br />
<br />
Another thing to consider: Your local hospital may have been great for welcoming your child into the world, but that doesn't mean it's the best place to undergo open-heart surgery. Find the facility with the longest track record, best survival rate and highest volume in the procedure; you don't want to be the team's third hip replacement.<br />
<br />
<span style="font-size: x-small;">Source: http://money.msn.com/</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-2593337744292004357?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-77647191639133522322012-01-28T15:41:00.000+08:002012-01-28T15:41:45.896+08:002012-01-28T15:41:45.896+08:00Allianz Motor Insurance<div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/-7XvHmfgjOkE/TyOmoyJ0oLI/AAAAAAAAFGo/28AV9poujno/s1600/motorinsurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="211" src="http://4.bp.blogspot.com/-7XvHmfgjOkE/TyOmoyJ0oLI/AAAAAAAAFGo/28AV9poujno/s320/motorinsurance.jpg" width="320" /></a></div><div class="tp5" style="line-height: 150%; margin-bottom: 12pt;"> <span style="color: black;"> At Allianz General Insurance Company (Malaysia) Berhad "AGIC", obtaining a <b>motor insurance cover</b> is so <span style="color: blue;">easy and hassle free</span> because our extensive network (36 branches and more than 6,000 agents) are well equipped to serve you as an individual and also as a corporate client. Also, with our selected <span style="color: blue;">panel of authorized workshops</span> providing quality and prompt repairs, you can rest assured that your prize possession is in good hand. </span> </div><div> <div> <b><span style="color: black;"><span class="h2_blue">Types of Vehicle Policy</span></span></b> <ul><li><span style="color: black;"><span class="t_p5">Private Cars </span></span></li>
<li class="t_p5"><span style="color: black;">Motor Cycle </span></li>
</ul></div></div><table border="2" cellpadding="2" cellspacing="2" class="t_p5"><tbody>
<tr> <td bgcolor="#c1e1f4"><span style="color: black;">Commercial Vehicles</span></td> <td bgcolor="#c1e1f4"><span style="color: black;">Motor Trade (Road Risks)</span></td> </tr>
<tr> <td bgcolor="#c1e1f4"><span style="color: black;"> </span></td> <td bgcolor="#c1e1f4"><span style="color: black;">Goods Carrying Vehicles</span></td> </tr>
<tr> <td bgcolor="#c1e1f4"><span style="color: black;"> </span></td> <td bgcolor="#c1e1f4"><span style="color: black;">Public Taxis</span></td> </tr>
<tr> <td bgcolor="#c1e1f4"><span style="color: black;"> </span></td> <td bgcolor="#c1e1f4"><span style="color: black;">Hire Cars</span></td> </tr>
<tr> <td bgcolor="#c1e1f4"><span style="color: black;"> </span></td> <td bgcolor="#c1e1f4"><span style="color: black;">Buses</span></td> </tr>
<tr> <td bgcolor="#c1e1f4"><span style="color: black;"> </span></td> <td bgcolor="#c1e1f4"><span style="color: black;">Special Types (Construction or Forestry vehicles)</span></td> </tr>
</tbody> </table><span style="color: black;"><br />
<b><span class="h2_blue">Types of Cover</span></b> <span class="h2_black"><br />
<br />
</span><b><span class="t_p7">Comprehensive Features </span></b></span> <ul><li><span style="color: black;"><span class="t_p5">Loss or damage to the insured vehicle and its accessories and spare parts </span></span></li>
<li><span style="color: black;"><span class="t_p5">Liability for damage to others vehicle and property caused by insured vehicle </span></span></li>
<li class="t_p5"><span style="color: black;">Legal Liability for death or bodily injury to any third party person </span></li>
</ul><div class="t_p5"> <span style="color: black;"> <b>Under comprehensive cover the following benefits are available for an additional premium: </b> </span> </div><ul><li><span style="color: black;"><span class="t_p5">Windscreen </span></span></li>
<li><span style="color: black;"><span class="t_p5">Strike, Riot & Civil Commotion (SRCC) </span></span></li>
<li><span style="color: black;"><span class="t_p5">Flood, typhoon or other convulsion of nature </span></span></li>
<li><span style="color: black;"><span class="t_p5">Legal Liability of Passengers (LLP) </span></span></li>
<li><span style="color: black;"><span class="t_p5">Legal Liability to non-fare paying passengers (LLNP) </span></span></li>
<li class="t_p5"><span style="color: black;">Additional Driver </span></li>
</ul><b><span style="color: black;"><span class="t_p7">Third Party, Fire & Theft Features</span></span></b> <ul><li><span style="color: black;"><span class="t_p5">Legal Liability for death or bodily injury to any third party </span></span></li>
<li><span style="color: black;"><span class="t_p5">Legal liability to third party property loss or damage </span></span></li>
<li class="t_p5"><span style="color: black;">Loss or damage to the insured vehicle as a result of fire and theft </span></li>
</ul><b><span style="color: black;"><span class="t_p7">Third Party Liability Only Features</span></span></b> <ul><li><span style="color: black;"><span class="t_p5">Legal liability to third party property loss or damage </span></span></li>
<li class="t_p5"><span style="color: black;">Legal liability for death or bodily injury to any third party person</span></li>
</ul><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-7764719163913352232?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-87189771082586862032012-01-28T15:35:00.000+08:002012-01-28T15:35:06.119+08:002012-01-28T15:35:06.119+08:00Allianz Travel Care<div class="tp5" style="line-height: 150%; margin-bottom: 12pt;"> <b><span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5">There are so many preparations when planning a holiday abroad, but many of us miss an essential part of the planning – <i>travel insurance.</i></span></span></span></span></span></b> </div><span style="font-size: large;"> </span><div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/-arlrNs2WiF0/TyOkqmmDIMI/AAAAAAAAFGg/pK_o8oXYyRg/s1600/travel-insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="224" src="http://4.bp.blogspot.com/-arlrNs2WiF0/TyOkqmmDIMI/AAAAAAAAFGg/pK_o8oXYyRg/s320/travel-insurance.jpg" width="320" /></a></div><span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5">Many travellers assume that they will be covered by their standard medical plan when traveling. The truth is, while traditional plans may offer adequate domestic coverage, they may not be designed for international travel.</span></span></span></span></span><br />
<span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5"> </span></span></span></span></span> <br />
<span style="font-size: large;"> </span> <span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5"><b><span style="font-style: italic; font-weight: bold;">Allianz Travel Care</span></b> is your <span style="color: blue;">perfect travel mate</span> that provides you and your family coverage internationally; <b style="color: blue;">24 hours a day, 7 days a week, 52 weeks a year! </b></span></span></span></span></span><br />
<span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5"><b style="color: blue;"> </b></span></span></span></span></span> <br />
<span style="font-size: large;"> </span> <span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5">So the next time you plan a holiday, you worry about your preparations, while <b>Allianz General Insurance Malaysia Berhad</b> takes care of your travel insurance needs!</span></span></span></span></span><br />
<span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5"> </span></span></span></span></span> <br />
<span style="font-size: large;"> </span> <span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5" style="font-weight: bold;">Features of Benefits</span></span></span></span></span> <br />
<span style="font-size: large;"> </span><ul><span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5">
<li style="color: blue;"><b>Accidental Death & Permanent Disablement</b> </li>
<b> </b><span style="font-size: small;">Allianz Travel Care insurance includes benefits for Accidental Death and Permanent Disablement occurring during the Period of Coverage. </span>
<li style="color: blue;"><b>Medical Expenses & Other Expenses</b></li>
<span style="font-size: small;">We will reimburse the actual necessary and reasonable medical, surgical or hospital charges and emergency dental treatment charges incurred as a result of bodily injuries, illness or death during the journey including repatriation costs, outside your home country for Overseas/Annual Cover. Domestic cover shall be limited to reasonable medical, surgical or hospital and emergency dental treatment incurred as a result of accidental bodily injuries within Malaysia. </span>
<li style="color: blue;"><b>Emergency Medical Evacuation & Repatriation</b> </li>
<b> </b><span style="font-size: small;">Allianz Travel Care<b> </b>insurance includes coverage for Emergency Medical Evacuation to the nearest qualified medical facility, expenses for reasonable travel and accommodation resulting from the evacuation and the cost of returning to either the home country or the country where the evacuation occurred up to the Policy Limit. </span>
<li style="color: blue;"><b>Follow up Treatment</b> </li>
<li style="color: blue;"><b>Hospital Income</b> </li>
<span style="font-size: small;">Payable if you are admitted to a registered hospital abroad due to accidental bodily injury or illness sustained during the journey for Overseas/Annual Cover. Domestic cover will pay you if you are admitted to a registered hospital in Malaysia due to accidental bodily injury sustained during the journey. </span>
<li style="color: blue;"><b>Funeral Expenses </b></li>
<span style="color: blue;"> </span>
<li style="color: blue;"><b>Compassionate Care </b></li>
<span style="color: blue;"> </span>
<li style="color: blue;"><b>Child Care Benefit </b></li>
<li style="color: blue;"><b>Despatch of Medicine</b></li>
<span style="font-size: small;">Despatch of the necessary medication not available locally in case of emergency and when local laws, rules and regulations allows such despatch. </span>
<li style="color: blue;"><b>Deposit or Trip Cancellation</b> </li>
<span style="font-size: small;">We will reimburse for loss of irrecoverable expenses paid in your home country if your planned trip is cancelled due to hospitalisation for serious illness or bodily injury, death or other fortuitous caused beyond your control to you and/ or your immediate family. </span>
<li style="color: blue;"><b>Curtailment</b> </li>
<span style="font-size: small;">If you need to curtail the trip due to hospitalisation for bodily injury or illness or death of your immediate family member or traveling companion, you will be compensated for any irrecoverable prepaid charges. </span>
<li style="color: blue;"><b>Personal Luggage or Personal Effects</b> </li>
<span style="font-size: small;">We cover the cost of repair to your damaged luggage and/or personal effects or loss thereof during the journey. </span>
<li style="color: blue;"><b>Loss Of Travel Documents</b></li>
<span style="font-size: small;">In the event of theft or accidental destruction of your passport and/ or travel documents, we will reimburse necessary replacement costs, additional accommodation and traveling expenses incurred during your journey. </span>
<li style="color: blue;"><b>Notebook Computer </b></li>
<span style="color: blue;"> </span>
<li style="color: blue;"><b>Luggage Delay</b> </li>
<span style="font-size: small;">If your luggage is delayed for at least 6 hours from the time of arrival at scheduled destination outside your home country during the journey, we will reimburse you for purchase of essential items such as toiletries and clothing. </span>
<li style="color: blue;"><b>Travel Delay</b></li>
<span style="font-size: small;">In the event the scheduled sea- going vessel, aircraft or train in which you are booked to travel is delayed for at least 6 hours, we will compensate whichever is stated in the Schedule of Benefits. </span>
<li style="color: blue;"><b>Misses Departure</b> </li>
<span style="font-size: small;">If as a result of failure of public transport services to get you to the departure port, airport or train station (as stated your ticket), we will reimburse the necessary and reasonable accommodation and travel costs incurred in reaching your original destination or returning home. </span>
<li style="color: blue;"><b>Missed Travel Connection</b> </li>
<span style="font-size: small;">Compensation if your confirmed onward connecting scheduled aircraft, train or sea vessel is missed at any single transfer point due to the late arrival of the incoming scheduled aircraft, train or sea vessel and no alternative onward transportation is made available to you for at least 8 hours from the actual arrival time. </span>
<li style="color: blue;"><b>Travel Overbooked</b> </li>
<span style="font-size: small;">Compensation if your confirmed onward connecting scheduled aircraft, train or sea vessel is overbooked by the scheduled carrier company as a result a delay in departure of the onward scheduled aircraft, train or sea vessel and no alternative onward transportation is made available to you for at least 8 hours from the actual departure time. </span>
<li style="color: blue;"><b>Additional Costs of Rental Car Return</b> </li>
<span style="font-size: small;">For the additional costs of car rental for which you are liable under the car rental agreement if you are unable to return a hire car or campervan from a licensed rental agency to the nearest hire depot due to your injury or serious illness which requires hospitalisation. </span>
<li style="color: blue;"><b>Personal Liability</b> </li>
<span style="font-size: small;">We will pay for your legal liability to third parties for injury and/ or loss of or damage to property. </span>
<li style="color: blue;"><b>Hijacking</b> </li>
<span style="font-size: small;">Compensation for delay or interruption to the journey in excess of 12 hours resulting in your being prevented from reaching the scheduled destination, of any public conveyance on which you are a passenger as a result of an act of hijack. </span>
<li style="color: blue;"><b>Personal Money</b> </li>
<span style="font-size: small;">We will pay for you accidental loss of cash and travelers’ cheques during the journey. </span>
<li style="color: blue;"><b>Home Care Benefit</b> </li>
<span style="font-size: small;">In respect of damages to your home contents as a result of fire when your house is left vacant while you are traveling. </span>
<li style="color: blue;"><b>Terrorism</b> </li>
<b> </b><span style="font-size: small;">Allianz Travel Care insurance provides coverage for bodily injury, death and permanent disablement incurred as a result of an act of Terrorism and the insured person has no direct or indirect participation in the act. However, claims incurred as a result of nuclear, chemical or biological weapons or events are not covered. </span>
<span style="font-size: small;">Terrorism is defined as the systematic or planned use of violence, fear or threat of violence in order to intimidate a population or government, especially as a means of coercion or to obtain a granting of any demand. </span>
</span></span></span></span></span></ul><span style="font-size: large;"><span style="color: black;"><b><span style="color: black;"><span style="color: black;"><span class="t_p5">24 Hours Worldwide Travel Emergency Assistance Helpline</span></span></span></b></span></span> <br />
<span style="font-size: large;"> </span> <span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b><span class="h1_blue">Schedule of Benefits</span></b><br />
<br />
</span></span></span></span> <br />
<span style="font-size: large;"> </span><table bgcolor="#c1e1f4" border="2" cellpadding="2" cellspacing="2" class="t_p5"><tbody>
<tr> <td colspan="3" rowspan="4" width="36%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Benefits</b></span></span></span> </span><br />
</td> <td colspan="2" valign="top" width="32%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Overseas (Outbound)</b></span></span></span> </span></div></td> <td colspan="2" valign="top" width="30%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Domestic (Inbound)</b></span></span></span> </span></div></td> </tr>
<tr> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Individual</b></span></span></span> </span></div></td> <td rowspan="3" valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Family</b></span></span></span> </span></div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>RM</b></span></span></span> </span></div></td> <td rowspan="3" valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Individual</b></span></span></span> </span></div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>RM</b></span></span></span> </span></div></td> <td rowspan="3" valign="top" width="14%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Family</b></span></span></span> </span></div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>RM</b></span></span></span> </span></div></td> </tr>
<tr> <td valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Insured Person and Spouse</b></span></span></span> </span></div></td> </tr>
<tr> <td valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Individual</b><br />
<b>Annual</b><br />
<b>RM</b></span></span></span> </span></div></td> </tr>
<tr> <td rowspan="2" valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 1 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Accidental Death (Principal Sum)**<br />
Per Adult<br />
Per Child </span></span></span></span> <br />
</td> <td valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 200,000<br />
Not covered </span></span></span></span> </div></td> <td valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 200,000<br />
25,000 </span></span></span></span> </div></td> <td valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 150,000<br />
Not covered </span></span></span></span> </div></td> <td valign="top" width="14%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 150,000<br />
15,000 </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 2 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Permanent Disablement**<br />
Per Adult<br />
Per Child </span></span></span></span> <br />
</td> <td valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 200,000<br />
Not covered </span></span></span></span> </div></td> <td valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 200,000<br />
200,000 </span></span></span></span> </div></td> <td valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 150,000<br />
Not covered </span></span></span></span> </div></td> <td valign="top" width="14%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> </span></span></span></span> </div><div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 150,000<br />
150,000 </span></span></span></span> </div></td> </tr>
<tr> <td rowspan="8" valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 2 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Medical Expenses (including dental repair due to accident) (up to) </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 300,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 900,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 15,000*** </span></span></span></span> </div></td> <td width="14%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 45,000*** </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 2 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Other Medical Expenses (including Emergency Medical Evacuation & Repatriation) (up to) </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000,000*** </span></span></span></span> </div></td> <td width="14%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000,000*** </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 3 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Follow up Treatment (up to) </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 30,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 100,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 5,000*** </span></span></span></span> </div></td> <td width="14%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 15,000*** </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 4 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Hospital Income (up to) </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 300 per day<br />
up to 9,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 900 per day<br />
up to 20,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 80 per day<br />
up to 2,400*** </span></span></span></span> </div></td> <td width="14%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 240 per day up to 7,000*** </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 5 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Funeral Expenses (up to) </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 8,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 16,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 4,000 </span></span></span></span> </div></td> <td width="14%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 8,000 </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 6 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Compassionate Care (up to)* </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 5,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 15,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000*** </span></span></span></span> </div></td> <td width="14%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 3,000*** </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 7 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Child Care Benefit (up to)* </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 5,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 15,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Not Covered </span></span></span></span> </div></td> <td width="14%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Not Covered </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 8 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Despatch of Medication (up to) </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 3,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 3,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000 </span></span></span></span> </div></td> <td width="14%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000 </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 3 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Deposit or Trip Cancellation (up to)* </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 20,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 50,000 </span></span></span></span> </div></td> <td colspan="2" rowspan="6" width="30%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Not covered </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 4 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Curtailment (up to)* </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 20,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 50,000 </span></span></span></span> </div></td> </tr>
<tr> <td rowspan="2" valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 5 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Luggage or Personal Effect (up to) </span></span></span></span> <br />
</td> <td valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 5,000 </span></span></span></span> </div></td> <td valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 15,000 </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 2 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Notebook Computer (up to) </span></span></span></span> <br />
</td> <td valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000 </span></span></span></span> </div></td> <td valign="top" width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000 </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 6 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Travel Documents (up to)* </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 5,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 15,000 </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 7 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Luggage Delay (up to) </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 800 (Min 6 hours) </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 2,000 (Min 6 hours) </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 8 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Travel Delay </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 300 per 6 hours<br />
up to 2,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 300 per 6 hours<br />
up to 6,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 100 per 6 hours<br />
up to 1,000 </span></span></span></span> </div></td> <td width="14%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 200 per 6 hours<br />
up to 2,000 </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 9 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Missed Departure (up to)* </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 3,000 </span></span></span></span> </div></td> <td colspan="2" rowspan="8" width="30%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Not covered </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 10 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Missed Travel Connection </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 250 (Min 8 hours) </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000 (Min 8 hours) </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 11 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Travel Overbooked </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 250 (Min 8 hours) </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000 (Min 8 hours) </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 12 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Additional Costs of Rental Car Return (up to) </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000 </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 13 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Personal Liability (up to) </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000,000 </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 14 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Hijacking </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 300 per day up to 20 days (Min 12 hours) </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 600 per day up to 20 days (Min 12 hours) </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 15 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Personal Money (up to) </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 800 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 2,000 </span></span></span></span> </div></td> </tr>
<tr> <td valign="top" width="10%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Section 16 </span></span></span></span> <br />
</td> <td valign="top" width="3%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 </span></span></span></span> <br />
</td> <td valign="top" width="22%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Home Care Benefit </span></span></span></span> <br />
</td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000 </span></span></span></span> </div></td> <td width="16%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1,000 </span></span></span></span> </div></td> </tr>
<tr> <td colspan="3" width="36%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Terrorism </span></span></span></span> <br />
</td> <td colspan="4" width="63%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Covered </span></span></span></span> </div></td> </tr>
</tbody> </table><span style="font-size: large;"> <span style="color: black;"><span style="color: black;"><span style="color: black;"><br />
</span></span></span></span> <span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5"><span style="font-size: small;"><b>* Excess RM50 per person for Individual Plan/Insured Person and Spouse Plan/Individual Annual Plan <br />
* Excess RM100 per family for Family Plan <br />
** Same pay out to 1 legal spouse for Family Plan<br />
*** Accident Only</b></span> </span></span></span></span></span> <br />
<span style="font-size: large;"> <span style="color: black;"><span style="color: black;"><span style="color: black;"><b><br />
<span class="h1_blue">Premium Rates</span></b> <br />
<br />
</span></span></span></span> <table bgcolor="#c1e1f4" border="2" cellpadding="2" cellspacing="2" class="t_p5"><tbody>
<tr> <td width="35%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Overseas (Outbound)</b></span></span></span> </span></div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Individual</b><br />
<b>RM</b></span></span></span> </span></div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Insured Person and Spouse</b><br />
<b>RM</b></span></span></span> </span></div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Family</b><br />
<b>RM</b></span></span></span> </span></div></td> </tr>
<tr> <td colspan="4" width="100%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>ASIA</b><b> </b></span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 – 5 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 30 </span></span></span></span> </div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 55 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 70 </span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 6 – 10 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 45 </span></span></span></span> </div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 85 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 110 </span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 11 – 15 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 65 </span></span></span></span> </div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 125 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 160 </span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 16 – 22 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 80 </span></span></span></span> </div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 155 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 230 </span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 23 – 31 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 120 </span></span></span></span> </div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 235 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 300 </span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Each additional week or part </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 20 </span></span></span></span> </div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 40 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 50 </span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Annual </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 300 </span></span></span></span> </div></td> <td colspan="2" width="41%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Not available </span></span></span></span> </div></td> </tr>
<tr> <td colspan="4" width="100%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>WORLDWIDE</b></span></span></span> </span></div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 – 5 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 40 </span></span></span></span> </div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 75 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 100 </span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 6 – 10 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 60 </span></span></span></span> </div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 115 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 145 </span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 11 – 15 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 90 </span></span></span></span> </div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 180 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 225 </span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 16 – 22 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 115 </span></span></span></span> </div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 225 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 290 </span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 23 – 31 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 170 </span></span></span></span> </div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 335 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 420 </span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Each additional week or part </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 35 </span></span></span></span> </div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 55 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 80 </span></span></span></span> </div></td> </tr>
<tr> <td width="35%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Annual </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 320 </span></span></span></span> </div></td> <td colspan="2" width="41%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Not available </span></span></span></span> </div></td> </tr>
</tbody> </table><span style="font-size: large;"> <span style="color: black;"><span style="color: black;"><span style="color: black;"><br />
<br />
<br />
</span></span></span></span> <table bgcolor="#c1e1f4" border="2" cellpadding="2" cellspacing="2" class="t_p5"><tbody>
<tr> <td width="58%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>DOMESTIC (INBOUND)</b></span></span></span> </span></div></td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Individual</b></span></span></span> </span></div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><b>Family</b></span></span></span> </span></div></td> </tr>
<tr> <td width="58%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 1 – 5 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 15 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 35 </span></span></span></span> </div></td> </tr>
<tr> <td width="58%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 6 – 10 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 25 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 55 </span></span></span></span> </div></td> </tr>
<tr> <td width="58%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 11 – 15 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 35 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 85 </span></span></span></span> </div></td> </tr>
<tr> <td width="58%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 16 – 22 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 45 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 115 </span></span></span></span> </div></td> </tr>
<tr> <td width="58%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 23 – 31 days </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 65 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 155 </span></span></span></span> </div></td> </tr>
<tr> <td width="58%"> <span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> Each additional week or part </span></span></span></span> <br />
</td> <td width="22%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 10 </span></span></span></span> </div></td> <td width="19%"> <div align="center"><span style="font-size: small;"> </span><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"> 25 </span></span></span></span> </div></td> </tr>
</tbody> </table><span style="font-size: large;"> <span style="color: black;"><span style="color: black;"><span style="color: black;"><b><br />
<span style="font-size: small;"><span class="t_p5" style="font-style: italic;">Please add RM10.00 for stamp duty.</span></span><br />
</b> <br />
<br />
<b><span class="h1_blue">Geographical Areas </span></b><br />
<br />
</span></span></span></span> <table bgcolor="#c1e1f4" border="2" cellpadding="2" cellspacing="2" class="t_p5"><tbody>
<tr> <td valign="top" width="100%"><span style="font-size: small;"> </span><ul><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5">
<li>Asia is defined as Singapore, Thailand, Indonesia, Philippines, Brunei, Taiwan, Korea, China including Hong Kong and Macau, Laos, Vietnam, Myanmar, Cambodia, India, Sri Lanka, Bangladesh, Nepal, Australia, New Zealand and Japan. </li>
</span></span></span></span></span></ul><span style="font-size: small;"> </span></td> </tr>
<tr> <td valign="top" width="100%"><span style="font-size: small;"> </span><ul><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5">
<li>Worldwide includes United States of America and Canada. </li>
</span></span></span></span></span></ul><span style="font-size: small;"> </span></td> </tr>
<tr> <td valign="top" width="100%"><span style="font-size: small;"> </span><ul><span style="font-size: small;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5">
<li>Domestic is defined as Malaysia. </li>
</span></span></span></span></span></ul><span style="font-size: small;"> </span></td> </tr>
</tbody> </table><span style="font-size: large;"> <span style="color: black;"><span style="color: black;"><span style="color: black;"><br />
<br />
</span></span></span></span> <span style="font-size: large;"><span style="color: black;"><b><span style="color: black;"><span style="color: black;"><span class="h1_blue">General Notes</span></span></span></b></span></span> <br />
<span style="font-size: large;"> </span><ol><span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5">
<li>The proposer aged from <span style="color: blue;">18 years to 70 years.</span> The <span style="color: blue;">proposer’s legal spouse*</span>, unless legally separated from the proposer, who is not more than 70 years of age. The <span style="color: blue;">proposer’s unmarried children who are between 30 days to 21 years </span>and who are primarily dependent upon the proposer for support and maintenance. The family plan shall include the proposer and the legal spouse and all the accompanying children. </li>
<li>Flight Delay cover shall not be granted if you travel in a chartered flight. </li>
<li><span style="color: blue;">Each trip must begin and end in Malaysia</span> except One Way Cover. </li>
</span></span></span></span></span></ol><span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5" style="font-style: italic;"><span style="font-size: small;"><b>* If more than one spouse, only one will be covered.</b></span></span></span></span></span></span><br />
<span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5" style="font-style: italic;"><span style="font-size: small;"><b> </b></span> </span></span></span></span></span> <br />
<span style="font-size: large;"> </span> <span style="font-size: large;"><span style="color: black;"><b><span style="color: black;"><span style="color: black;"><span class="h1_blue">General Exclusions Applicable For All Sections</span></span></span></b></span></span> <br />
<span style="font-size: large;"> </span><ul><span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5">
<li>Delay, confiscation, detention, requisition, damage, destruction or any prohibitive regulations by Customs or other government Officials or Authorities of any country </li>
<li>Hazardous Adventure </li>
<li>HIV (Human Immunodeficiency Virus) and/or any HIV-related illness including AIDS (Acquired Immune Deficiency Syndrome) however caused and/or any mutant derivations, variations or treatment thereof however caused </li>
<li>Ionising radiation or contamination by radioactivity from any nuclear waste from combustion of nuclear fuel. </li>
<li>Pre-existing medical conditions </li>
<li>Pregnancy, childbirth, abortion or miscarriage </li>
<li>Riot or civil commotion, lockout or threat of such event </li>
<li>The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof </li>
<li>War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege </li>
</span></span></span></span></span></ul><span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><br />
</span></span><b><span style="color: black;"><span style="color: black;"><span class="h1_blue">Excluded Occupations</span></span></span></b></span> </span><ol><span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5">
<li style="color: red;">Flight crew (except as a passenger) </li>
</span></span></span></span></span></ol><span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><br />
</span></span><b><span style="color: black;"><span style="color: black;"><span class="h1_blue">Extension Of Period Of Insurance</span></span></span></b></span></span><br />
<span style="font-size: large;"><span style="color: black;"><b><span style="color: black;"><span style="color: black;"><span class="h1_blue"> </span></span></span></b></span> </span><br />
<span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5">The Period of Insurance will be automatically extended without any additional premium for the additional days that are reasonably necessary for up to:</span></span></span></span></span> <br />
<span style="font-size: large;"> </span> <span style="font-size: large;"><span style="color: black;"><span style="color: black;"> (a) 14 days if any vehicle, sea going vessel or aircraft in which the Insured Person is traveling as a ticket holding passenger is delayed; </span></span></span> <br />
<span style="font-size: large;"> </span> <span style="font-size: large;"><span style="color: black;"><span style="color: black;"> (b) 30 days if the intended return journey is prevented due to bodily injury or illness to the Insured Person arising from a cause covered under this Policy.</span></span></span> <br />
<span style="font-size: large;"> </span><ul><span style="font-size: large;"><span style="color: black;"><span style="color: black;"><span style="color: black;"><span class="t_p5"> </span></span></span></span></span></ul><span style="font-size: large;"> </span><span style="font-size: large;"> <br />
<span style="color: black;"><span style="color: black;"><b>Cash Before Cover</b> </span></span></span> <br />
<span style="font-size: large;"> </span> <span style="font-size: large;"><span style="color: black;"><span style="color: black;">(a) It is a fundamental and absolute special condition of the contract of insurance that the premium due must be paid and received by the Company before cover commences. If this condition is not complied with, then the insurance is automatically null and void. </span></span></span> <br />
<span style="font-size: large;"> </span> <span style="font-size: large;"><span style="color: black;"><span style="color: black;">(b) The authorised agent shall remit the premium within seven (7) working days upon receipt of such premium from Insured Person. The Company reserves the right to refuse any coverage and/or reject Insured Person’s and /or Family Member’s claim resulting from non-payment of premium to the Company.</span></span></span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-8718977108258686203?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-20531574970382785982012-01-28T15:15:00.000+08:002012-01-28T15:15:24.281+08:002012-01-28T15:15:24.281+08:00ING Premier Savings<span style="font-size: large;"><b>Is it Okay to be Selfish?</b></span><br />
<span style="font-size: large;"><br />
</span><br />
<span style="font-size: large;">We think it is perfectly okay! In fact it is time for you to look in the mirror and say "It's all about me!". After all, if you don't put yourself to be the number one priority - who will do that for you? And what is most important is that if you took <span style="color: blue;">good care of yourself,</span> you'll be in a much better position to take care of your loved ones.</span><br />
<span style="font-size: large;"><br />
</span><br />
<span style="font-size: large;">So yes, <b>paying yourself some attention can bring rewards</b>. And ING Premier Savings will show you just how to do that. By putting aside <b><span style="color: blue;">as little as RM 100 a month*</span></b>, you could see potential double** return in your savings from the unique endowment policy,</span><br />
<span style="font-size: large;"><br />
</span><br />
<span style="font-size: small;">* For yearly payment mode</span><br />
<span style="font-size: small;">** It is based on a projected yield of ING's investment Return of 7% per annum. The actual total returns may be more or less, depensing on the operation and investment performance of ING.</span><br />
<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-QrtPuJIkm7g/TyOgfiuPrQI/AAAAAAAAFGY/npXSjWDHpZ8/s1600/IPS+cover.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="http://3.bp.blogspot.com/-QrtPuJIkm7g/TyOgfiuPrQI/AAAAAAAAFGY/npXSjWDHpZ8/s320/IPS+cover.jpg" width="226" /></a></div><span style="font-size: large;"><br />
</span><br />
<span style="font-size: large;">With ING Premier Savings, you could achieve your savings goal in <span style="color: blue;">25 years time</span> by <span style="color: blue;">saving for either 10, 15 or 20 years</span>. when the policy matures at the end of the 25th year, you will receive not only the basic sum assured, but also the accumulated dividends (if any) and terminal dividends (if any), which in total may potentially be double** of what you have saved.</span><br />
<span style="font-size: large;"><br />
</span><br />
<b><span style="font-size: large;">Sound intriguing! But is this Plan meant for savings purposes only?</span></b><br />
<span style="font-size: large;"><br />
</span><br />
<span style="font-size: large;">Definitely not. Besides potentially <b><span style="color: blue;">doubling your savings amount </span></b>upon the Plan's maturity at the end of the 25th policy year, ING Premier Savings also <b style="color: blue;">protects you against any unfortunate events</b>. Should death or total and permenant disablement occur within the term of this policy, the basic sum assured plus accumulated cash dividends (if any) and the terminal dividends (if any) will be payable to you.</span><br />
<span style="font-size: large;"><br />
</span><br />
<b><span style="font-size: large;">Are there any other benefits I should know about this plan?</span></b><br />
<span style="font-size: large;"><br />
</span><br />
<span style="font-size: large;">In addition, this Plan also <b><span style="color: blue;">comes with Critical Living Waiver Premium***</span></b>. In the event you are diagnosed with any of the critical illness covered under this plan, <span style="color: blue;">all the future premium payments of your policy will be waived</span> and you can continue to enjoy all the benefits of this savings plan without having to pay any further premiums. This is to ensure that you will have total peace of mind knowing that your savings programme will not be interrupted. at the same time, it also gives you sense of certainty that your savings goal will be realized at all circumtances.</span><br />
<span style="font-size: large;"><br />
</span><br />
<span style="font-size: small;">*** Applicable for standard lives and/or subject to underwriting</span><br />
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</span><br />
<b><span style="font-size: large;">FAQ</span></b><br />
<span style="font-size: large;"><br />
</span><br />
<div style="color: red;"><span style="font-size: large;">Q: Who can apply for ING Premier Savings Plan?</span></div><span style="font-size: large;">A: Everyone between age of <span style="color: blue;">30 days to 55 years old</span> can apply for ING Premier Savings. Acceptance, however is subject to underwriting.</span><br />
<span style="font-size: large;"><br />
</span><br />
<div style="color: red;"><span style="font-size: large;">Q: How long do I have to pay for my premium?</span></div><span style="font-size: large;">A: You have a choice of 3 premium payment durations - <span style="color: blue;">10, 15 or 20 years</span> which will help you to achieve your savingsgoal in 25 years time. <span style="color: blue;">Premium can be paid annually, semi-annually, quarterly or monthly.</span></span><br />
<br />
<div style="color: red;"><span style="font-size: large;">Q: Is this policy eligible for tax relief?</span></div><span style="font-size: large;">A: <span style="color: blue;">Yes.</span> When you purchase this Plan, you are entitled to tax relief subject to the provisions of the Income Tax Act 1967. Your premiums are <span style="color: blue;">eligble for tax deduction up to maximum of RM 6,000 per year </span>(inclusive of EPF contribution). The tax deduction may vary as declared by the Malaysian Inland Revenue Board</span><br />
<span style="font-size: large;"><br />
</span><br />
<div style="color: red;"><span style="font-size: large;">Q: What are the exclusions in the Plan?</span></div><span style="font-size: large;">A: The basic plan shall not cover:</span><br />
<ul><li><span style="font-size: large;"><span style="color: blue;">Suicide</span> <span style="color: blue;">within</span> <span style="color: blue;">one (1) year</span> from Date of Issue or Date of Reinstatement of the policy whichever is later.</span></li>
<li><span style="font-size: large;"><span style="color: blue;">Total and permanent Disability </span>resulting from all or any <span style="color: blue;">self-inflicted bodily injury</span> while sane or insane; travel or flight in or on any type of aircraft except on a regular scheduled passenger flight of a commercial aircraft; or any activities of a military nature whilst being engaged in military service.</span></li>
</ul><span style="font-size: large;">The Critical Living Waiver of Premium Rider shall not cover:</span><br />
<ul><li><span style="font-size: large;"> <span style="color: blue;">Pre-existing illness</span> which existed before the Policy Date or Date of Reinstatement of the policy</span></li>
<li><span style="font-size: large;">Disease/s resulting from Acquired Immuno Deficiency Syndrome <span style="color: blue;">(AIDS), AIDS-related complex or infection </span>by Human Immunodeficiency Virus (HIV) unless the condition arose as a result of blood transfusion.</span></li>
<li><span style="font-size: large;">Cancer, Coronary Artherectomy, Heart Attack, Other Serious Coronary Artery Diseases and/or Surgery for Coronary Arterial <span style="color: blue;">Disease occuring within sixty (60) days after the Policy Date </span>or Date of Reinstatement of the Policy.</span></li>
<li><span style="font-size: large;">Diseases other than those mentioned in (c) above occuring <span style="color: blue;">withing thirty (30) days after the Policy Date </span>or Date of Reinstatement of the Policy.</span></li>
<li><span style="font-size: large;">Critical Illness resulting directly or indirectly from self-inflicting injuries while sane or insane</span></li>
<li><span style="font-size: large;">Critical Illness resulting directly or indirectly from any Congenitial Conditions for a <span style="color: blue;">child with age of entry of two (2) years or less.</span></span></li>
</ul><span style="font-size: large;">Full details of these exclusions are set out in your policy documents.</span><br />
<span style="font-size: large;"><br />
</span><br />
<div style="color: red;"><span style="font-size: large;">Q: When I receive the Plan and I do not agree with any of the terms and conditions. Can I still reconsider?</span></div><span style="font-size: large;">A: <span style="color: blue;">Yes,</span> you can. <span style="color: blue;">Within fifiteen (15) days from the date the policy is delivered to you</span>, you are free to review the policy and cancel the policy without assigning any reason. <span style="color: blue;">ING will refund all the premiums already paid less any expenses incurred for medical examination (if any). </span>We want you to understand the full benefits of this plan for you and your family to ensure that the plan fulfils your needs.</span><br />
<span style="font-size: large;"><br />
</span><br />
<div style="color: red;"><span style="font-size: large;">Q: How do I make a claim?</span></div><span style="font-size: large;">A: Should you need to make a claim, please<span style="color: blue;"> contact your ING agent or call ING Insurance</span> at toll free 1-800-88-0303</span><br />
<span style="font-size: large;"><br />
</span><br />
<span style="font-size: large;">Please Note:</span><br />
<ol><li><span style="font-size: large;">You should ensure that the Plan meets your needs and that the premium payable under the Plan is an amount that you can afford</span></li>
<li><span style="font-size: large;">If you cease paying premiums, accumulated cash dividends (if any) and cash values (if any) would be utilized to pay future premiums and this may shorten your coverage period.</span></li>
<li><span style="font-size: large;">Cash dividends will be declared annually from the end of the second policy year onwards. Terminal dividends for surrender (if any) will start from the beginning of the 1st policy month, while terminal dividends for death (if any) will be determined from the beginning of the 8th policy year.</span></li>
<li><span style="font-size: large;">Projected cash dividends and terminal dividends are not guaranteed and the amount are dependent on the operating and investment performance of the company.</span></li>
<li><span style="font-size: large;">The policy may not have a guaranteed minimum cash value on termination until after you have paid premium for three years. If the plan is terminated in the early years, you may receive an amount that is less than the premiums paid.</span></li>
<li><span style="font-size: large;">Premium rates are guaranteed and will not increase throughout the duration of the premium payment term.</span></li>
<li><span style="font-size: large;">Please refer to the sales illustration pertaining to your policy provided to you by ING Insurance.</span></li>
<li><span style="font-size: large;">The benefits, exclusions, terms and conditions described in this brochure has been summarized and are not exhaustive. Please refer to the policy documents for detailed benefits, exclusions, terms and conditions.</span></li>
<li><span style="font-size: large;">In the event of any inconsistency, the English version of this brouchure shall prevail over all the other versions.</span></li>
</ol><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-2053157497038278598?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-6015508959420861082012-01-28T10:02:00.000+08:002012-01-28T10:02:13.071+08:002012-01-28T10:02:13.071+08:00ING Family Protection Plan<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-A9qlFGbHlhg/TyNWtk3AA7I/AAAAAAAAFGQ/UVi5VwIqsmg/s1600/1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="http://3.bp.blogspot.com/-A9qlFGbHlhg/TyNWtk3AA7I/AAAAAAAAFGQ/UVi5VwIqsmg/s320/1.jpg" width="219" /></a></div><b><span style="font-size: large;"> Provides your family with peace of mind to continue the lifestyle that you have built for them... always...</span></b><br />
<span style="font-size: large;"><br />
</span><br />
<div style="color: blue;"><span style="font-size: large;">Free your loved ones from financial burdens</span></div><ul><li><span style="font-size: large;">Ensuring that your loved ones are protected financially, if something unforeseen should happen to you, is one of the most important things you need to do in your life. But did you know that preparing a Will and having financial protection might not be enough?</span></li>
<li><span style="font-size: large;">You need to ensure that you haveprovided for the costs incurred in executing your Will, for instnce in transferring assets to your loved ones. Otherwise they may be forced to dispose of assets just to cover tehse costs.</span></li>
</ul><div style="background-color: white; color: blue;"><span style="font-size: large;">Bridging the financial gap</span></div><ul><li><span style="font-size: large;">ING Family Protection Plan can take care of the financial costs associated with the Will execution. Typically these incluse:</span></li>
<ul><li><span style="font-size: large;">Probate fees</span></li>
<li><span style="font-size: large;">Administrative Fees</span></li>
<li><span style="font-size: large;">Legal fees for Will Execution</span></li>
<li><span style="font-size: large;">Stamp duty and legal fees for transfer of assets</span></li>
<li><span style="font-size: large;">Protected expenses due to frozen assets or Will execution complications.</span></li>
</ul></ul><div style="color: blue;"><span style="font-size: large;">Act Today to protect your loved ones</span></div><ul><li><span style="font-size: large;">Make sure you provide for your loved ones. COntact us and let us help you estimate how much protection you need.</span></li>
</ul><br />
<b><span style="font-size: large;">Key Benefits</span></b><br />
<ol><li><span style="font-size: large;"><b style="color: red;">Whole Life Coverage</b> - ING Family Protection Plan provides you with whole life coverage until age 100.</span></li>
<li><span style="font-size: large;"><b style="color: red;">Limited Premium Paying Period</b> - The premium is only payable for the first 20 years of the policy.</span></li>
<li><span style="font-size: large;"><b style="color: red;">Death Benefits</b> - The benefit payable on death is 100% of the Sum Insured.</span></li>
<li><span style="font-size: large;"><b><span style="color: red;">Total and Permanent Disability Benefit</span></b> - Future premiums will be waived should you become totally and permanently disables before age 65. You will ocntinue to enjoy full life coverage without paying any further premiums. Subject to sum insured limits, this benefit is complimentary and provided automatically for lives accepted on standard terms. Otherwise, it may be included at an additional premium</span></li>
<li><span style="font-size: large;"><b><span style="color: red;">Maturity Benefit</span></b> - 100% of the Sum Insured is payable upon maturity at age 100.</span></li>
</ol><b><span style="font-size: large;">Limitation of Coverage</span></b><br />
<span style="font-size: large;"><br />
</span><br />
<span style="font-size: large;">Standard exclusions like all other insurance plans may be applied in certain circumtances. Details of these exclusions are provided in the policy document.</span><br />
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</span><br />
<span style="font-size: small;"><b>Note:</b></span><br />
<ol><li><span style="font-size: small;"><i>If you terminate your policy in early years, you may get back less that the amount you have paid in.</i></span></li>
<li><span style="font-size: small;"><i>You should ascertain that the plan meets your needs and that the premium payable under the policy is an amount that you can afford. If you cease paying premiums, any total cash value will be utilised as collateral for a loan to pay future premiums and this may shorten your coverage period.</i></span></li>
<li><span style="font-size: small;"><i>Please refer to actual policy contract for detailed benefits, terms and conditions.</i></span></li>
<li><span style="font-size: large;"><span style="font-size: small;"><i>In the event of any inconsistency, the ENglish version of this brochure shall prevail over other versions.</i></span></span></li>
</ol><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-601550895942086108?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-88637611792876603992012-01-27T15:40:00.001+08:002012-01-28T09:22:29.183+08:002012-01-28T09:22:29.183+08:00How to Battle Shopping Addiction<span style="font-size: large;">January often inspires new resolutions to spend less money. For some people, that means first overcoming a shopping addiction.</span><br />
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<span style="font-size: large;">About 5 percent of us suffer from compulsive shopping, and even more struggle with lesser forms of overspending, says Terrence Shulman, founder of the Shulman Center for Compulsive Theft and Spending. As spending money has become easier through the Internet and credit cards, Shulman says more people seem to experience problems with self-control.</span><br />
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<div class="separator" style="clear: both; text-align: center;"><span style="font-size: large;"><a href="http://3.bp.blogspot.com/-eWvxVETL64o/TxJlAzi1-OI/AAAAAAAAFFM/3OjGmXZqu7I/s1600/shopping-addiction-spending.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="198" src="http://3.bp.blogspot.com/-eWvxVETL64o/TxJlAzi1-OI/AAAAAAAAFFM/3OjGmXZqu7I/s320/shopping-addiction-spending.jpg" width="320" /></a></span></div><span style="font-size: large;"><br />
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<span style="font-size: large;">Signs of shopping addiction include the inability to stop oneself from making purchases, conflicts with loved ones over expenditures, and lying about shopping. While many people love shopping, people who do it compulsively do it despite negative consequences, such as going deep into debt, says Jon Grant, associate professor of psychiatry at the University of Minnesota, which houses a clinic for <a href="http://www.impulsecontroldisorders.org/index.html">impulsive disorders</a>. "They might get a lot of enjoyment from buying the item, but by the time they get home they're uninterested ... It's not about the acquisition of the item itself, it's about the experience of acquiring it. They get a rush from it," he says.</span><br />
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<span style="font-size: large;">If you or someone you know has a shopping addiction, experts suggest the following:</span><br />
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<span style="font-size: large;"><b>Be nonjudgmental.</b> "People don't like to disclose they feel out of control, and they feel embarrassed by the amount of debt they have," says Grant.</span><br />
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<span style="font-size: large;"><b>Give a helping hand. </b>Grant says if a family member is willing to take over the checkbook or finances of a person struggling with compulsive shopping, it can help them regain control. If that's too much of a burden, a professional money manager can fill that role, he says.</span><br />
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<span style="font-size: large;"><b>Discuss gifts in advance. </b>Instead of splurging on pricey presents, families and friends can talk ahead of time about exchanging skills or favors such as house cleanings. "There's a hangover after the new year when people are in a bad state after having gorged themselves," says Shulman. "What if we could take a breath early on and say, 'Let's make these holidays different.'"</span><br />
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<span style="font-size: large;"><b>Consider therapy.</b> Grant says cognitive behavioral therapy that encourages people to understand their actions and the longer-term consequences can help. It can also teach people skills such as using cash instead of credit cards or not going to stores when they feel depressed or stressed.</span><br />
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<span style="font-size: large;"><b>Look at possible medications.</b> While studies on the effect of medications on compulsive shopping haven't reached any hard-and-fast conclusions, antidepressants or antianxiety medications are sometimes helpful, Shulman adds.</span><br />
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<span style="font-size: large;"><b>Check out 12-step programs. </b>Most towns and cities have Shoppers Anonymous, Debtors Anonymous, or Overspenders Anonymous programs that operate much like Alcoholics Anonymous. "For some people, it becomes a spiritual path," says Shulman.</span><br />
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<span style="font-size: large;"><b>Find new activities.</b> Compulsive shoppers often need to replace old habits and even friendships with new, healthier ones. Non-</span><span style="color: #005497; font-family: inherit; font-size: large; font-weight: inherit ! important; position: static;"><span class="kLink" style="color: #005497; font-family: inherit; font-weight: inherit ! important; position: static;">shopping</span></span><span style="font-size: large;"> related activities can include sports, book clubs, or cooking.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-8863761179287660399?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-6869911898475338062012-01-20T14:14:00.000+08:002012-01-20T14:16:32.217+08:002012-01-20T14:16:32.217+08:00Review your existing life insurance policy..<ul><li><span style="font-size: large;">Do you know when your life insurance expires?</span></li>
<li><span style="font-size: large;">Do you know what type of life insurance you have?</span></li>
<li><span style="font-size: large;">Do you know if your life insurance will pay enough to care for your loved ones if you cannot?</span></li>
</ul>If you cannot answer the questions above, concerning your existing life insurance, you can give us a call for your policy review. We do a free service in reviewing your current policies and giving financial advice.<br />
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Please call <span style="font-size: large;"><b>+6 (012) 634 9414 </b></span>for fix an appointment.<br />
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<h4>These are few advice in Reviewing an Insurance Policy </h4><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-dfQAPRu4_sE/TxkGhEsp7II/AAAAAAAAFGA/AAu8XTrblhY/s1600/auto-insurance-review.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="320" src="http://3.bp.blogspot.com/-dfQAPRu4_sE/TxkGhEsp7II/AAAAAAAAFGA/AAu8XTrblhY/s320/auto-insurance-review.jpg" width="213" /></a></div>Review the organization’s insurance policies when you receive them. Before buying any new coverage, request and review sample policies. However, many people find it difficult to fully understand the scope of coverages without considering a specific loss. One approach is to identify the <span class="balloon">risk</span>s or types of losses an organization expects to experience — an office fire, windstorm, injury (suffered by an employee, volunteer or client), auto <span class="balloon">accident</span>, theft, or other risks. Then, determine if the policies will cover these expected losses. Ask your insurance advisor to assist with the review process. Here are the steps:<br />
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<ol><li><b>Check for accuracy.</b> Insurance companies are notorious for issuing incorrect policies. The policy may contain spelling errors, the wrong <span class="balloon">named insured</span>, incorrect additional insureds, the wrong forms, or not include a purchased coverage. Refer any errors to the appropriate insurance <span class="balloon">agent</span> or <span class="balloon">broker</span> immediately. Remember that this is a contract. If an organization does not address an error, it can become a problem if a loss related to the error occurs. </li>
<li><b>Review the rating classifications and other schedules.</b> Check to see what rating classifications the insurer assigned to your organization. The insurer calculates the premium charge based on certain rating classifications. There can be substantial differences in the rates among the classifications. One insurance company assigned a circus rating classification to a workers' compensation policy for a nonprofit sports organization. The circus rates were much higher than the appropriate classification of <i>outside sales</i> and did not reflect the insured’s exposures. Ask your insurance advisor to explain any classifications that do not seem to describe the organization’s operations.</li>
<li><b>Read the policy and answer these question</b>s.<br />
• Does the insuring agreement cover each expected claim?<br />
• Is there any exclusion or other provision that eliminates or restricts coverage? <br />
• What policy conditions must the organization comply with?<br />
• Are the people or operations affected by the conditions aware of them? For example, if the policy requires that a burglar alarm always be operational, have you informed the office manager, maintenance staff, or other appropriate personnel?<br />
• If the loss is covered, is there a <span class="balloon">deductible</span>? How much is it? <br />
• How much will the policy pay for each loss?<br />
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An insurance contract is a complex contract with conflicting and confusing provisions. You must read the <i>entire</i> contract to fully understand the coverages, the insurance company’s responsibilities, and your obligations. Some insurance advisors recommend that buyers review the endorsements first to identify those sections of the main policy form altered by the endorsements. This makes the process of reading the main form easier by alerting the reader in advance to sections deleted or altered via endorsement. </li>
</ol>During litigation based on disputes over whether coverage applies, the courts have scrutinized a wide range of policies. Unfortunately, various courts have rendered conflicting interpretations. Most losses do not involve complex policy interpretations — the insurance company and insured quickly agree that the policy covers the loss. However, you must know your duties and responsibilities to qualify for coverage. Take the time to understand your policies. Your insurance advisor can help you with this task.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-686991189847533806?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-78492200290481000122012-01-16T16:43:00.000+08:002012-01-16T16:43:39.527+08:002012-01-16T16:43:39.527+08:00Woman has bank account dating to 1913<a href="http://3.bp.blogspot.com/-BHjieW4APYU/TxLBb14WtkI/AAAAAAAAFF0/uRmcp8_0t50/s1600/Determined-Depositor_Gree_20110603042910_320_240.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-BHjieW4APYU/TxLBb14WtkI/AAAAAAAAFF0/uRmcp8_0t50/s1600/Determined-Depositor_Gree_20110603042910_320_240.JPG" /></a>An Ohio woman who just turned 100 years old has taken customer loyalty to the extreme: She's still using a bank savings account that's been around almost as long as she has, since the year before World War I.<br />
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June Gregg recently mentioned to a friend that her account is the same one her father opened for her in January 1913, when she wasn't even a year-and-a-half old. The friend told the people at Gregg's small-town bank in southern Ohio.<br />
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"That perked my ears up, because I was like, '1913?!'" said Doug Shoemaker, general manager of what's now a Huntington National Bank branch in this community, 45 miles south of Columbus. The bank's investigation found out that not only was it the same account, but also that the account number changed only once, when Columbus-based Huntington acquired the plainly-named Savings Bank in the early 1980s, Shoemaker said.<br />
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Gregg still has the little blue passbook from when the account was opened with an initial deposit of $6.11. Her father, Gilbert, a farmer who grew corn, wheat and hay, was a Savings Bank customer and wanted his only daughter to learn thrift.<br />
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"That's what he always taught us: to stay out of debt and save our money and not buy anything until we had the money to pay for it," Gregg said in an interview.<br />
With the help of the account, Gregg is comfortable in retirement even after so many years, Shoemaker said.<br />
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"I get along good because I don't have many wants," said Gregg, who never married and has no children.<br />
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The compact, white-haired woman who tends to speak with a chuckle in her voice retired in 1976 after working for the post office for more than a quarter century. Earlier, she operated a general store, using the savings account for the business. Gregg opened the store in 1932, three years after she graduated from high school and received as gifts a $2.50 gold piece and a $5 gold piece, which went into the account.<br />
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"I wish I hadn't put those in," she said, aware of gold's value. "It was during the Depression, and my dad told me to put them in the bank."<br />
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Gregg said she never considered taking her savings elsewhere because she liked the bank, across the street from the Ross County Courthouse. Greg McBride, senior financial analyst for Bankrate.com, said it used to be far more common for customers and families to develop long-term attachments to banks, but that was before all of today's shopping around and bank name changes.<br />
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"It seems less prevalent today because we're seeing such consolidation and so many changes in banking, and incentives for consumers to move," he said.<br />
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Though she has a checking account to pay bills, Gregg said she uses the savings account for "personal dealings" and still goes to the bank regularly, though she lives in Bainbridge, 17 miles away.<br />
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"I had to give up driving two years ago, so now I just have to go when I get a chance. I try to go once a month if I can," she said. Gregg now relies on friends to get around and walks with a cane.<br />
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The bank toasted Gregg on her 100th birthday Thursday with a party complete with balloons and a cake with large candles of the numerals "1-0-0." Bank employees sang "Happy Birthday."<br />
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"Certainly I think June takes the cake" for loyalty, Shoemaker said, while noting that there are other customers who've stayed with the bank for 30 or 40 years, sometimes more.<br />
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As a gift, the bank will bump up Gregg's interest rate for the next 100 days to around 5 percent, about 5 times the average going rate, Shoemaker said.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-7849220029048100012?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-87902470539256110242012-01-15T10:24:00.001+08:002012-01-15T19:04:41.491+08:002012-01-15T19:04:41.491+08:00Retirement Planning: 5 painless ways to get you on course and ready to roll.Retirement is your journey, your future and – hopefully – a nice chunk of your life. So let us help you get to where you want to go and join the dialogue on retirement planning.<br />
<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-O6UYRSkddaY/TxJAJ4iUzHI/AAAAAAAAFDs/ZQt9OkfNo58/s1600/Retirement.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="277" src="http://3.bp.blogspot.com/-O6UYRSkddaY/TxJAJ4iUzHI/AAAAAAAAFDs/ZQt9OkfNo58/s320/Retirement.jpg" width="320" /></a></div><br />
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<b>Tip #1 – Figure out how much you should be saving. </b><br />
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Not an easy question for sure, but one you need to think about – especially since everyone’s idea of retirement is a little different. Do you want to live on a faraway island? RV around the country? All of the above? Or maybe take on a more modest retirement. Only with a goal in mind can you know how much to save for your days of leisure.<br />
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Then, check out <a href="http://www.ingdirect.com/retirement" target="_new">Retire MyWay</a>. In 5 minutes or so, you’ll have a pretty good idea of how much you should be saving each month, based in part on what you’re saving already and how conservative or aggressive you might be with your investments.<br />
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But you’re the one who knows where you want to be come retirement day. Tell us all about your goals. And how you plan to seize the day.<br />
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<b>Tip # 2 – Get the most out of your employer’s retirement plan.</b><br />
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Are you contributing to your retirement plan at work? If you can, you should be. By participating in your employer’s retirement plan, you’re putting pre-tax dollars away before they ever hit your bank account. It’s one of the easiest ways to save for retirement. And as a bonus, most employers match at least some of your contributions. That’s free money! Not sure if you have this option at work? Ask human resources or your boss. If you do, make sure at the very least that you are taking full advantage of the match.<br />
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So, tell us. Do you have a retirement plan at work and if so, how much are you contributing and how much is the job matching? If you don’t have a retirement plan at work, you’re not sunk yet.<br />
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<b>Tip # 3 – Find the IRA that’s right for you.</b><br />
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That’s I-R-A, as in “I wanna Retire Already.” Or “Individual Retirement Account” as it’s more commonly known. Either way, IRAs should be at the center of your retirement plan. They’re a great gift from Uncle Sam – an account where your savings can grow tax-deferred or tax-free.<br />
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There are two main types of IRAs: Traditional and Roth. The two differ primarily by when contributions are taxed. Traditional IRA contributions may be tax deductible, grow tax free and are not taxed until you withdraw the money in retirement. Roth IRA contributions are taxed before they go into an IRA, but then can be withdrawn tax-free when you retire. What’s the catch? Roth IRAs have income limits – so not everyone will qualify.<br />
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Still want more details? <a href="http://retirement.ingdirect.com/compare" target="_new">Compare</a> the two and find out which one works better for you. Already know a thing or two about IRAs? Tell us which type is working best for you and whether or not it’s putting you on the inside track to reaching your retirement goals.<br />
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<b>Tip #4 – 3 words: allocation, allocation, allocation.</b><br />
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OK, so you know how much to save, and you know what accounts to put it in. The next thing to think about? Asset allocation.<br />
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Sound complicated? Don’t worry. We just want to make sure you put your retirement assets into the right types of investments and savings vehicles, given your personal situation. If retirement is a long way off and you can stomach the ups and downs of the market, then you might be better suited with a larger percentage in equities. If you’re getting closer to retirement and want to avoid market swings, then bond funds or CDs might make more sense. Totally lost? Check out our <a href="http://www.ingdirect.com/retirement" target="_new">Retire MyWay</a>, an easy planning tool that will help you with asset allocation.<br />
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In the end, it’s a personal choice, but an important one. In fact, it can be just as important as putting money away in the first place. So don’t procrastinate, allocate! And as always, we want to hear from you about all things investments, asset allocations and the like. Are they playing a big role in getting you ready for the big “R” day?<br />
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<b>Tip #5 – Remember to check in.</b><br />
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National Save for Retirement Week is coming to an end (awwwww). Fret not. Hopefully, you now feel a little more aware and in control of your retirement planning. Before we let you go, we have one last topic to cover. We call it “checking in.”<br />
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What, you thought you were done? Well, for now you are. But as a rule of thumb, it’s good to revisit your retirement situation about once a year – often enough to get back on course if your circumstances change, but not so frequently that you’re reacting to the economic crisis du jour.<br />
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Sound like a pain? One way to make “checking in” easier is to consolidate your financial life. Get your money out of those 401(k)’s from 3 jobs ago and roll them into your IRA. With all of your assets in one place, it’s easier to see where you stand, how you’re invested and if it’s time to make some adjustments.<br />
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Get planning! And keep us informed on how it’s going.<br />
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<span style="font-size: x-small;">Resource: http://wethesavers.com</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-8790247053925611024?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-36527403766027847662011-08-17T17:35:00.000+08:002011-08-17T17:36:04.452+08:002011-08-17T17:36:04.452+08:00How to Save Money on Petrol?<div class="separator" style="clear: both; text-align: center;"><a href="http://www.gas-savers.ws/images/save-fuel.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://www.gas-savers.ws/images/save-fuel.jpg" /></a></div><b><span style="font-size: small;"><span style="font-size: large;">Driving can be one of life’s great pleasures</span>, </span></b><br />
<b><span style="font-size: small;">but it needn’t break the bank. If your car’s beginning to put a strain on your wallet, consider these :</span></b><br />
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<a href="http://www.4x4pakistan.com/wp-content/uploads/2011/04/tyre-pressure-file-_0012.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="212" src="http://www.4x4pakistan.com/wp-content/uploads/2011/04/tyre-pressure-file-_0012.jpg" width="320" /></a><b><span style="font-size: small;">1. keep your tyres inflated</span></b><br />
<span style="font-size: small;">Lower tyre pressure increases the drag on a car meaning you need more fuel, so regularly check the pressures are correct and your car need less mph to keep it moving.</span><br />
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<span style="font-size: small;"><b>2. Lighten the load</b></span><br />
<span style="font-size: small;">The lighter your car is, the less effort it needs to accelerate. Therefore, reduce the weight of your car by taking out, clearing out junk from the boot and not carrying unnecessary weight, you can make extra savings.</span><br />
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</span><br />
<b><span style="font-size: small;">3. Turn off the air-cond</span></b><br />
<span style="font-size: small;">Air conditioning also uses an incredible amount of fuel, so make sure it's turned off unless you really need it. However, if it's really hot, it can become a more efective proposition - driving with windows closed is more economical than having them all open, due to the extra drag it causes.</span><br />
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</span><br />
<span style="font-size: small;">Also, don't keep the engine running. It drive off as soon as you start up and switch off the engine as soon as you reach your destination. However, if you're not using it, it's worth it on once in a while as not using it can mean it stops working.</span><br />
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</span><br />
<b><span style="font-size: small;">4. Accelerate gradually without over-revving</span></b><br />
<span style="font-size: small;">Speed up smoothly! When you press harder on the pedal more fuel flows, but you could get to the same speed using much less power - a good rule is to stay under 3,000 revs.</span><br />
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<b><span style="font-size: small;">5. Drive in correct gear</span></b><br />
<span style="font-size: small;">If you using manuar car, always srive in the highest gear possible without labouring the engine.</span><br />
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</span><br />
<b><span style="font-size: small;">6. Slow Naturally</span></b><br />
<span style="font-size: small;">Rather than brake all the time, let your car slow naturally and use its stored momentum</span><br />
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<span style="font-size: small;"><b>7. Keep your car maintained and tuned</b></span><br />
<a href="http://blog.carlist.my/wp-content/uploads/2011/03/car-maintenance-tips.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="217" src="http://blog.carlist.my/wp-content/uploads/2011/03/car-maintenance-tips.jpg" width="320" /></a><span style="font-size: small;">Make sure your vehicle is in top running order. Follow manufacturer's recommended maintenance schedule. If it's time for a tune up, do it and you can realize up to 4% increase in fuel economy.</span><br />
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<span style="font-size: small;">Other ways such as plan your trip ahead and checking up traffic jams before start a journey are also can save your fuel/petrol very much. Try follow these steps and Enjoy your driving. Hope your wallet can save more money with the steps mentioned above.</span><br />
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<div style="text-align: center;"><span style="font-size: small;"><b><b>Contact me if you want to renew your motor Insurance at:</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>Anuradha .R <br />
</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>+6 (012) 634 9414</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><span class="t_p5"> <b>engineer2207@gmail.com</b></span></span></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-3652740376602784766?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-34247626312160235312011-08-10T13:01:00.000+08:002011-08-10T13:03:11.602+08:002011-08-10T13:03:11.602+08:00When is the Best Time to Buy an Insurance Policy?The best time to buy an insurance policy is always NOW. We cannot predict the future, nor can we change the past. <b>Life insurance will always exclude pre-existing illnesses</b>. If we wait until some sickness happens to us before we decide to purchase a life insurance policy, that policy will no longer cover that illness, especially if you are buying a Medical Insurance. Coverage for that particular illness may be excluded for life, or you will have to pay a loading (extra money) on the premiums.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/-AKYRt3d2o8k/TkIQiFFcmrI/AAAAAAAAFB8/b-UmIDy8tac/s1600/1282602_370.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-AKYRt3d2o8k/TkIQiFFcmrI/AAAAAAAAFB8/b-UmIDy8tac/s1600/1282602_370.jpg" /></a></div><br />
The insurance will not cover illnesses in retrospect, neither will it cover pre-existing illness, which means, illnesses that already exist at the point of purchase.<br />
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<div><div style="text-align: center;"><span style="font-size: small;"><b><b>Contact me to enquire about ING Cashless Medical Card at :</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>Anuradha .R </b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>+6 (012) 634 9414</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>engineer2207@gmail.com</b></b></span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-3424762631216023531?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-78651236953357603672011-08-09T19:00:00.000+08:002011-08-10T13:04:04.062+08:002011-08-10T13:04:04.062+08:00Allianz Enhanced Road WarriorYou had just got to know about <a href="http://ing-allianz.blogspot.com/2011/08/allianz-road-warrior.html">Allianz Road Warrior</a> and the benefits of having Road Warrior together with your car insurance.<br />
<br />
Some of you need even bigger coverages and wider services for you and your precious car. That is where Allianz providing you Enhanced Road Warrior.<br />
<br />
<u><span style="font-size: medium;"><i><b>Description of Benefits</b></i></span></u><br />
<span style="font-size: medium;"><i><b>A. Personal Accident Benefits (Per Unit)</b></i></span><br />
<br />
<ol><li><b>Death/Permanent Disablement Benefits<span class="t_p5"> </span></b></li>
</ol><span class="t_p5">Pays the Principal Sum in the event of accidental death and up to the amounts stated in the Table of Benefits for Permanent Disablement following an accident in the Named Vehicle. This benefit is also extended to cover the proposer, 24 hours a day irrespective whether he/she is in the Named Vehicle or not.</span><br />
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<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;"><tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;"> <td rowspan="2" style="background: #C6D9F1; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 239.3pt;" valign="top" width="319"><div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;"><b style="mso-bidi-font-weight: normal;">Table of Benefits</b></div></td> <td colspan="3" style="background: #C6D9F1; border-left: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 212.65pt;" valign="top" width="284"><div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;"><b style="mso-bidi-font-weight: normal;">Principal Sum Insured</b></div></td> </tr>
<tr style="mso-yfti-irow: 1;"> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.9pt;" valign="top" width="95"><div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;"><b style="mso-bidi-font-weight: normal;">Plan A</b></div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.85pt;" valign="top" width="94"><div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;"><b style="mso-bidi-font-weight: normal;">Plan B</b></div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.9pt;" valign="top" width="95"><div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;"><b style="mso-bidi-font-weight: normal;">Plan C</b></div></td> </tr>
<tr style="mso-yfti-irow: 2;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 239.3pt;" valign="top" width="319"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Accidental death/ Permanent Disablement</div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Loss of both hands or both feet</div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Loss of sight of both eyes</div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Loss of one eye and one hand</div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Loss of one eye and one foot</div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Total Paralysis (from the neck down)</div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Permanent quadraplegia (loss or permanent total loss of use of four limbs)</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.9pt;" width="95"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM10,000</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.85pt;" width="94"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM50,000</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.9pt;" width="95"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM100,000</div></td> </tr>
<tr style="mso-yfti-irow: 3;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 239.3pt;" valign="top" width="319"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Loss of one foot or one hand</div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Loss of sight of one eye</div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Insanity</div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Loss of four fingers and thumb in one hand</div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Loss of hearing of both ears</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.9pt;" width="95"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM5,000</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.85pt;" width="94"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM25,000</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.9pt;" width="95"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM50,000</div></td> </tr>
<tr style="mso-yfti-irow: 4;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 239.3pt;" valign="top" width="319"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Loss of all toes</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.9pt;" valign="top" width="95"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM2,000</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.85pt;" valign="top" width="94"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM10,000</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.9pt;" valign="top" width="95"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM20,000</div></td> </tr>
<tr style="mso-yfti-irow: 5; mso-yfti-lastrow: yes;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 239.3pt;" valign="top" width="319"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Loss of speech</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.9pt;" valign="top" width="95"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM5,000</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.85pt;" valign="top" width="94"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM25,000</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 70.9pt;" valign="top" width="95"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM50,000</div></td> </tr>
</tbody></table><br />
<br />
<span class="t_p5"> 2. Medical Expenses Benefit</span><br />
<span class="t_p5">Reimburses medical expenses up to: </span><br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;"><tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;"> <td style="background: #C6D9F1; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 55.05pt;" valign="top" width="73"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Plan A</div></td> <td style="background: #C6D9F1; border-left: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM 1,000</div></td> </tr>
<tr style="mso-yfti-irow: 1;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 55.05pt;" valign="top" width="73"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Plan B</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM 2,000</div></td> </tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 55.05pt;" valign="top" width="73"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Plan C</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM 3,000</div></td> </tr>
</tbody></table><span class="t_p5"><br />
</span><br />
<b><span class="t_p5"> 3. Bereavement Benefit</span></b><br />
<span class="t_p5"> </span><br />
<span class="t_p5">In addition to all other payments, we will pay RM500.00 as bereavement allowance in the event of death of the driver and/or passenger as a result of an accident in the Named Vehicle.</span><br />
<br />
<b><span class="t_p5"> 4. Double Indemnity Benefit</span></b><br />
<br />
<span class="t_p5">Pays double the Principal Sum if the driver and/or passengers suffer either permanent quadraplegia or permanent total paralysis from the neck down or death if the accident involving the Named Vehicle occurs during a nationwide public holiday.</span><br />
<br />
<span class="t_p5"> <b> 5. Corrective Cosmetic Surgery Benefit</b></span><br />
<br />
<span class="t_p5">On top of paying medical expenses, we will also pay up to RM1,000.00 for additional expenses incurred for corrective surgical operations to the neck and head following an accident in the Named Vehicle.</span><br />
<br />
<b><span class="t_p5"> 6. Hospital Income Benefit</span></b><br />
<br />
<span class="t_p5">Daily benefit of (up to a maximum of 60 days).</span> <br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;"><tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;"> <td style="background: #C6D9F1; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 55.05pt;" valign="top" width="73"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Plan A</div></td> <td style="background: #C6D9F1; border-left: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM 30</div></td> </tr>
<tr style="mso-yfti-irow: 1;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 55.05pt;" valign="top" width="73"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Plan B</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM 50</div></td> </tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 55.05pt;" valign="top" width="73"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Plan C</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM 75</div></td> </tr>
</tbody></table><span class="t_p5"><br />
</span><br />
<span class="t_p5"><br />
</span><br />
<span style="font-size: medium;"><b><i><span class="t_p5">B. Car Assistance Program</span></i></b></span><br />
<br />
This Program offers you a very comprehensive range of services, 24 hours a day, 365 days a year anywhere in Malaysia. All you need to do is call the 24 Hour Toll Free number to request the following services:<br />
<span class="t_p5"> (1) <b>24-Hour Emergency Towing </b><br />
[Towing of vehicle up to <b>600km</b> (roundtrip)] </span><br />
<br />
(2) <b>International Assistance</b><br />
[Free towing available from <b>Thailand and Singapore</b> in the event of breakdown]<br />
<br />
(3) <b>Minor Roadside Repairs</b><br />
<br />
(4) <b>Taxi and Car Rental Assistance</b><br />
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;"><tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;"> <td style="background: #C6D9F1; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 62.1pt;" valign="top" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Taxi</div></td> <td style="background: #C6D9F1; border-left: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 92.15pt;" valign="top" width="123"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Up to RM 60.00</div></td> </tr>
<tr style="mso-yfti-irow: 1; mso-yfti-lastrow: yes;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 62.1pt;" valign="top" width="83"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Car Rental</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 92.15pt;" valign="top" width="123"><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">Up to RM 400.00 </div></td> </tr>
</tbody></table><br />
(5) <b>Arrangement For Hotel Accommodation</b><br />
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;"><tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0; mso-yfti-lastrow: yes;"> <td style="background: #C6D9F1; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 118.8pt;" valign="top" width="158"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Hotel Accommodation</div></td> <td style="background: #C6D9F1; border-left: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 99.25pt;" valign="top" width="132"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Up to RM 400.00</div></td> </tr>
</tbody></table><br />
(7) <b>Referral To Car Service Centres</b><br />
<br />
(8) <b>Referral To Doctors And Hospitals</b><br />
<br />
(9) <b>Legal Assistance</b><br />
<br />
(10) <b>Emergency Message Transmission</b><br />
<br />
<b> </b><span style="font-size: medium;"><b><i><span class="t_p5">C. Additional Benefits</span></i></b></span><br />
<br />
<span class="t_p5">(1) <b>Car Replacement </b><br />
</span> <br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;"><tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;"> <td style="background: #C6D9F1; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 55.05pt;" valign="top" width="73"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Plan A</div></td> <td style="background: #C6D9F1; border-left: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">3 days</div></td> </tr>
<tr style="mso-yfti-irow: 1;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 55.05pt;" valign="top" width="73"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Plan B</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">4 days</div></td> </tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 55.05pt;" valign="top" width="73"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Plan C</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">5 days</div></td> </tr>
</tbody></table><br />
(2) <b>Compassionate Cover</b><br />
In the event of a total loss or theft claim, you will receive an amount equivalent to 10% of the Sum Insured<br />
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;"><tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;"> <td style="background: #C6D9F1; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 55.05pt;" valign="top" width="73"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Plan A</div></td> <td style="background: #C6D9F1; border-left: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM6,000</div></td> </tr>
<tr style="mso-yfti-irow: 1;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 55.05pt;" valign="top" width="73"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Plan B</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM10,000</div></td> </tr>
<tr style="mso-yfti-irow: 2; mso-yfti-lastrow: yes;"> <td style="background: #C6D9F1; border-top: none; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 55.05pt;" valign="top" width="73"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">Plan C</div></td> <td style="background: #C6D9F1; border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 2.0cm;" valign="top" width="76"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">RM15,000</div></td> </tr>
</tbody></table><br />
(3) <b>Flood Cover</b><br />
<b> </b> In the event of damade to the vehicle due to flood, we will pay up to RM 1,500 for the costs of repairs to the vehicle.<b></b><br />
<b><br />
</b><br />
<b><br />
</b><br />
<div style="font-weight: bold;"><span class="t_p5">Eligibility</span></div><span class="t_p5">Persons aged between 17 years to 80 years.</span><br />
<br />
<div style="font-weight: bold;"><span class="t_p5">Exclusions</span></div><span class="t_p5"> War, civil war, suicide, childbirth, miscarriage, insanity unless caused solely and directly by accidental means to the driver and or passenger(s) while driving, riding, alighting or boarding the Named Vehicle, illness, under influence of liquor or drugs, vehicle used for hire, racing, pacemaking or illegal business pursuit and driver not holding a valid driving licence.</span><span class="t_p5"> </span><span class="t_p5"> </span><span class="t_p5"><br />
</span><span class="t_p5"> </span><br />
<div style="text-align: center;"><span style="font-size: small;"><b><b>Contact me if you want to renew your motor Insurance at:</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>Anuradha .R <br />
</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>+6 (012) 634 9414</b></b></span></div><div style="text-align: center;"><span class="t_p5"> <b>engineer2207@gmail.com</b></span></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-7865123695335760367?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-1326044312194487122011-08-07T23:41:00.000+08:002011-08-10T13:03:51.568+08:002011-08-10T13:03:51.568+08:00Allianz Road WarriorIt is common for most of us to spend between 2 to 4 hours on the road everyday. That works out to between 12% to 25% of the total time that we are awake! These figures of course do not take into account the times when our acrs breakdown or when we are unfortunate enough to meet with an accident.<br />
<br />
It is a sad fact that the total number of road accidents in Malaysia exceeded 397,300* in 2009. On the average, 18* persons died from these road accidents, every single day in 2009, let alone the even higher numbers who have suffered injury or disablement.<br />
<span style="font-size: x-small;">*Source: Bukit Aman Traffic Centre</span><br />
<br />
Each of us driving a car would have experienced some form of a breakdown before, be it punctured tyre, flat battery or some form of mechanical failure. Imagine the inconveniences during such a breakdown either on the highway or at some remote location.<br />
<br />
At Allianz, we recognise and understand the needs of private car owners and the problems they face. Besides covering you and your passengers with Personal Accident Cover and other insurance benefits, Road Warrior also provides you with a 24-Hour Car Assistance Program. At times of breakdown or accident anywhere in Malaysia you can be assured or reliable and quick assistance.<br />
<br />
<div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/-Rpe069gZPQA/Tj6yLhGR4DI/AAAAAAAAFBk/_OdKQ04OgPE/s1600/Road-Warrior_138.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="http://2.bp.blogspot.com/-Rpe069gZPQA/Tj6yLhGR4DI/AAAAAAAAFBk/_OdKQ04OgPE/s320/Road-Warrior_138.jpg" width="320" /></a></div><br />
<u><span style="font-size: large;"><i><b>Description of Benefits</b></i></span></u><br />
<span style="font-size: large;"><i><b>A. Personal Accident Benefits (Per Unit)</b></i></span><br />
<ol><li><b>Death/Permanent Disablement Benefits<span class="t_p5"> </span></b></li>
</ol><span class="t_p5">Pays the Principal Sum in the event of accidental death and up to the amounts stated in the Table of Benefits for Permanent Disablement following an accident in the Named Vehicle. This benefit is also extended to cover the proposer, 24 hours a day irrespective whether he/she is in the Named Vehicle or not.</span><br />
<br />
<br />
<table bgcolor="#c1e1f4" border="2" cellpadding="2" cellspacing="2" class="t_p5"><tbody>
<tr> <td width="421"><div align="center"><b>Table of Benefits (Death/Permanent Disablement)</b></div></td> <td colspan="3" width="192"><div align="center"><b>Principal Sum Insured (Per Unit)</b></div></td> </tr>
<tr> <td valign="top" width="421">Accidental Death/Permanent Disablement<br />
Loss of both hand or both feet<br />
Loss of sight of both eyes<br />
Loss of one eye and one hand<br />
Loss of one eye and one foot<br />
Total Paralysis (from the neck down)<br />
Permanent Quadraplegia (loss or permanent total loss of use of four limbs)<br />
Loss of one foot or one hand<br />
Loss sight of one eye<br />
Insanity<br />
Loss of four fingers and thumb in one hand<br />
Loss of hearing of both ears<br />
Loss of all toes<br />
Loss of speech</td> <td valign="top" width="84"><div align="center">RM10,000<br />
RM10,000<br />
RM10,000<br />
RM10,000<br />
RM10,000<br />
RM10,000<br />
RM10,000</div><div align="center">RM 5,000<br />
RM 5,000<br />
RM 5,000<br />
RM 5,000<br />
RM 5,000<br />
RM 2,000<br />
RM 5,000</div></td> <td valign="top" width="18"><div align="center">}<br />
}<br />
}<br />
}<br />
}<br />
}<br />
}<br />
}<br />
}<br />
}<br />
}<br />
}<br />
}<br />
}<br />
}</div></td> <td width="90"><div align="center">The aggregate of all losses payable in respect of any one accident shall not exceed RM10,000.00 for any one person under this Section</div></td></tr>
</tbody></table><br />
<b><br />
2. Medical Expenses Benefit</b><br />
<br />
<span class="t_p5">Reimburses medical expenses up to RM1,000.00 including hospital room and board, clinical, medical and surgical treatment following an accident in the Named Vehicle.</span><br />
<br />
<b><span class="t_p5"> 3. Bereavement Benefit</span></b><br />
<span class="t_p5"> </span><br />
<span class="t_p5">In addition to all other payments, we will pay RM500.00 as bereavement allowance in the event of death of the driver and/or passenger as a result of an accident in the Named Vehicle.</span><br />
<br />
<b><span class="t_p5"> 4. Double Indemnity Benefit</span></b><br />
<br />
<span class="t_p5">Pays double the Principal Sum if the driver and/or passengers suffer either permanent quadraplegia or permanent total paralysis from the neck down or death if the accident involving the Named Vehicle occurs during a nationwide public holiday.</span><br />
<br />
<span class="t_p5"> <b> 5. Corrective Cosmetic Surgery Benefit</b></span><br />
<br />
<span class="t_p5">On top of paying medical expenses, we will also pay up to RM1,000.00 for additional expenses incurred for corrective surgical operations to the neck and head following an accident in the Named Vehicle.</span><br />
<br />
<b><span class="t_p5"> 6. Hospital Income Benefit</span></b><br />
<br />
<span class="t_p5">A daily benefit of RM30.00 (up to a maximum of 60 days) is payable to the driver and/or passenger for the period of hospitalisation as a result of an accident in the Named Vehicle.</span><br />
<br />
<span style="font-size: large;"><b><i><span class="t_p5">B. Car Assistance Program</span></i></b></span><br />
<br />
<span class="t_p5"></span><br />
This Program offers you a very comprehensive range of services, 24 hours a day, 365 days a year anywhere in Malaysia. All you need to do is call the 24 Hour Toll Free number to request the following services:<br />
<span class="t_p5"> (1) <b>24-Hour Emergency Towing </b><br />
[Towing of vehicle up to <b>450km</b> (roundtrip)] </span><br />
(2) <b>International Assistance</b><br />
[Free towing available from <b>Thailand and Singapore</b> in the event of breakdown]<br />
<span class="t_p5"></span><br />
(3) <b>Minor Roadside Repairs</b><br />
(4) <b>Taxi and Car Rental Assistance</b><br />
(5) <b>Arrangement For Hotel Accommodation</b><br />
(7) <b>Referral To Car Service Centres</b><br />
(8) <b>Referral To Doctors And Hospitals</b><br />
(9) <b>Legal Assistance</b><br />
(10) <b>Emergency Message Transmission</b><br />
<br />
<span class="t_p5">All costs incurred in respect of Section (3) to (9) shall be borne by the Insured, driver and/or passenger.</span> <span class="t_p5"> <br />
</span><span class="t_p5"> </span><span class="t_p5"></span><br />
<div style="font-weight: bold;"><span class="t_p5">Eligibility</span></div><span class="t_p5">Persons aged between 17 years to 80 years.</span> <br />
<b><span class="h2_blue">Table of Premium</span></b><br />
<br />
<br />
<table bgcolor="#c1e1f4" border="2" cellpadding="2" cellspacing="2" class="t_p5"><tbody>
<tr> <td rowspan="2" width="300"><b>Seating Capacity (Including Driver)</b></td> <td colspan="5" style="text-align: center;" width="306"><h4>Annual Premium</h4></td> </tr>
<tr> <td style="text-align: center;" width="66"><u>1 unit</u></td> <td style="text-align: center;" width="60"><u>2 units</u></td> <td style="text-align: center;" width="60"><u>3 units</u></td> <td style="text-align: center;" width="60"><u>4 units</u></td> <td style="text-align: center;" width="60"><u>5 units</u></td> </tr>
<tr> <td width="300">4 seats</td> <td style="text-align: center;" width="66">RM50 </td> <td style="text-align: center;" width="60">RM95</td> <td style="text-align: center;" width="60">RM135 </td> <td style="text-align: center;" width="60">RM175</td> <td style="text-align: center;" width="60">RM215</td> </tr>
<tr> <td width="300">5 seats</td> <td style="text-align: center;" width="66">RM60 </td> <td style="text-align: center;" width="60">RM114 </td> <td style="text-align: center;" width="60">RM162 </td> <td style="text-align: center;" width="60">RM210 </td> <td style="text-align: center;" width="60">RM258 </td> </tr>
<tr> <td valign="top" width="300">6 seats</td> <td style="text-align: center;" valign="top" width="66">RM70 </td> <td style="text-align: center;" valign="top" width="60">RM133 </td> <td style="text-align: center;" valign="top" width="60">RM189</td> <td style="text-align: center;" valign="top" width="60">RM245</td> <td style="text-align: center;" valign="top" width="60">RM300</td> </tr>
<tr> <td valign="top" width="300">Each Additional seat</td> <td style="text-align: center;" valign="top" width="66">RM8 </td> <td style="text-align: center;" valign="top" width="60">RM15 </td> <td style="text-align: center;" valign="top" width="60">RM21</td> <td style="text-align: center;" valign="top" width="60">RM27</td> <td style="text-align: center;" valign="top" width="60">RM33</td> </tr>
</tbody></table><span class="t_p5" style="font-style: italic;">Please add RM10.00 for Stamp Duty</span><br />
<span class="t_p5"></span><br />
<div style="font-weight: bold;"><span class="t_p5"><br />
</span></div><div style="font-weight: bold;"><span class="t_p5">Exclusions</span></div><span class="t_p5"> War, civil war, suicide, childbirth, miscarriage, insanity unless caused solely and directly by accidental means to the driver and or passenger(s) while driving, riding, alighting or boarding the Named Vehicle, illness, under influence of liquor or drugs, vehicle used for hire, racing, pacemaking or illegal business pursuit and driver not holding a valid driving licence.</span><span class="t_p5"> </span><span class="t_p5"> </span><span class="t_p5"> </span><br />
<br />
<br />
<div><div style="text-align: center;"><span style="font-size: small;"><b><b>Contact me if you want to renew your motor Insurance at:</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>Anuradha .R </b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>+6 (012) 634 9414</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>engineer2207@gmail.com</b></b></span></div></div><span class="t_p5"> </span><span class="t_p5"> </span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-132604431219448712?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-1568107911892882002011-08-07T13:39:00.000+08:002011-08-07T23:22:38.223+08:002011-08-07T23:22:38.223+08:00What Should I Do when I met with Accident?<div class="separator" style="clear: both; text-align: center;"><span style="font-size: small;"><a href="http://3.bp.blogspot.com/-GJ1CLuW_scI/Tj4kwCnkhzI/AAAAAAAAFBg/82dxSHQkzM0/s1600/accident.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="http://3.bp.blogspot.com/-GJ1CLuW_scI/Tj4kwCnkhzI/AAAAAAAAFBg/82dxSHQkzM0/s320/accident.jpg" width="320" /></a></span></div><span style="font-size: small;"><br />
</span><br />
<span style="font-size: small;">If you or a person you know is involved in a traffic accident, it is very important to remain calm and not panic at the situation. The steps below will help.</span><br />
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</span><br />
<table border="0" cellpadding="0" cellspacing="0" style="width: 560px;"><tbody>
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</td> <td><ul><li><span style="font-size: small;">Be calm and do not panic.</span></li>
</ul></td> </tr>
<tr> <td><br />
</td> <td><br />
</td> <td><ul><li><span style="font-size: small;">If there are injuries, call 999 for assistance.</span></li>
</ul></td> </tr>
<tr> <td><br />
</td> <td><br />
</td> <td><ul><li><span style="font-size: small;">If there are no injuries, move your vehicle to a safe area away from traffic, where possible.</span></li>
</ul></td> </tr>
<tr> <td><br />
</td> <td><br />
</td> <td><ul><li><span style="font-size: small;">Note the names and addresses of the other driver(s) involved.</span></li>
</ul></td> </tr>
<tr> <td></td> <td><br />
</td> <td><ul><li><span style="font-size: small;">Note the model and vehicle registration number of the vehicle(s) involved.</span></li>
</ul></td> </tr>
<tr> <td><span style="font-size: small;"><img height="10" src="http://www.insuranceinfo.com.my/_system/media/images/spacer.gif" width="1" /></span></td> <td><span style="font-size: small;"><br />
</span></td> <td><ul><li><span style="font-size: small;">Note names and addresses of witnesses, if any.</span></li>
</ul></td> </tr>
<tr> <td></td> <td><br />
</td> <td><ul><li><span style="font-size: small;">Sketch a simple diagram of the accident scene and the position of each vehicle right before and after the accident (Photos of the accident scene, if available, can be very helpful).</span></li>
</ul></td> </tr>
<tr> <td></td> <td></td> <td></td> </tr>
<tr> <td></td> <td><br />
</td> <td><ul><li><span style="font-size: small;">Exchange information on the names of your respective insurance companies / takaful operators.</span></li>
</ul></td> </tr>
<tr> <td></td> <td></td> <td></td> </tr>
<tr> <td></td> <td><br />
</td> <td><ul><li><span style="font-size: small;">Do not discuss on whose fault it was. This may complicate the handling of your claims.</span></li>
</ul></td> </tr>
<tr> <td></td> <td></td> <td></td> </tr>
<tr> <td></td> <td valign="top"><span style="font-size: small;"><img height="5" src="http://www.insuranceinfo.com.my/_system/media/images/spacer.gif" /></span></td> <td><ul><li><span style="font-size: small;">If your vehicle needs to be towed, ensure that the vehicle will be sent to the correct workshop. Call your insurance company / takaful operator or its accident hotline number for the appropriate workshop.</span></li>
</ul></td> </tr>
<tr> <td></td> <td></td> <td></td> </tr>
<tr> <td></td> <td><br />
</td> <td><ul><li><span style="font-size: small;">Report the accident to the police within 24 hours.</span></li>
</ul></td> </tr>
<tr> <td></td> <td></td> <td></td> </tr>
<tr> <td></td> <td><br />
</td> <td><ul><li><span style="font-size: small;">Inform your insurance company / takaful operator even if you do not intend to make a claim. The third party involved in the accident may make a claim against your insurance company / takaful operator which would cause you to lose your no-claims-discount (NCD).</span></li>
</ul></td> </tr>
<tr> <td></td> <td></td> <td></td> </tr>
<tr> <td></td> <td valign="top"><span style="font-size: small;"><img height="5" src="http://www.insuranceinfo.com.my/_system/media/images/spacer.gif" /></span></td> <td><ul><li><span style="font-size: small;">Complete the claims form in full and include any additional relevant information. If in doubt, ask your insurance company / takaful operator for advice.</span></li>
</ul></td> </tr>
<tr> <td></td> <td></td> <td></td> </tr>
<tr> <td></td> <td><br />
</td> <td><br />
</td> </tr>
<tr> <td><br />
</td> <td><br />
</td> <td><br />
</td> </tr>
<tr> <td><br />
</td> <td valign="top"><br />
</td> <td><br />
</td> </tr>
<tr> <td><br />
</td> <td><br />
</td> <td><br />
</td> </tr>
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</td> <td valign="top"><br />
</td> <td><br />
</td></tr>
</tbody></table><span style="font-size: small;"><b>Making a claim against an Insurance Company</b></span><br />
<span style="font-size: small;"><br />
</span><br />
<span style="font-size: small;">If your vehicle is damaged, you may either make an own damage claim or a third party claim. For own damage claims, call your insurance company or takaful operator immediately for advice.</span><br />
<span style="font-size: small;"><br />
</span><br />
<span style="font-size: small;">If your insurance company recommends or requires that repairs be done at a panel / authorised workshop, then take your vehicle there as advised. Your insurance company will reject your claim if your vehicle is sent to a workshop that is not authorised by your insurance company. Your insurance company will send an insurance loss adjuster to assess the damage to your vehicle before authorising the repairs.</span><br />
<span style="font-size: small;"><br />
</span><br />
<div><div style="text-align: center;"><span style="font-size: small;"><b><b>Contact us to enquire about Allianz Motor Insurance at :</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>+6 (012) 634 9414</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>engineer2207@gmail.com</b></b></span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-156810791189288200?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-70306205671448946372011-08-07T10:21:00.000+08:002011-08-07T23:15:13.000+08:002011-08-07T23:15:13.000+08:00ING Cashless Medical Card<div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;"><span style="font-size: small;">Just because you eat veggies and hit the gym regularly doesn't mean you're immune to an illness, or won't have an accident. </span></div><div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;"><span style="font-size: small;">There was an incident way back many years ago published by The Star that a little boy need RM150,000 for a special treatment suit to wear on for one year or more to recuperation and rejuvenate his skin damage which was 80% due to fire and he was lucky to have a sponsor for his medical bill from a rich Arab Emir. So lucky he was but not for Christine. Check out the article below which was published in The Star on 2nd September 2009.</span></div><div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;"><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;"><span style="font-size: large;"><b><a href="http://thestar.com.my/news/story.asp?file=/2009/9/2/nation/4630853&sec=nation"><span style="color: blue;">Teen ‘sells’ herself online to pay for mum’s treatment</span></a></b></span></div><div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;"><span style="font-size: small;"><br />
</span></div><div style="font-family: Times,"Times New Roman",serif;"><span style="font-size: small;">Everyone requires medical help at some point and if you don't have insurance, the resulting bill is going to be painful. Deliver a baby without complications and expect to fork over an average of RM<span title="Convert this amount"><span title="Convert this amount"><span title="Convert this amount"><span title="Convert this amount"><span title="Convert this amount"><span title="Convert this amount">6,000</span></span></span></span></span></span></span>. Get diagnosed with cancer and the expenses can go into the hundreds / thousand-ringgit range.</div><div style="font-family: Times,"Times New Roman",serif;"><span style="font-size: small;"><br />
</span></div><div style="font-family: Times,"Times New Roman",serif;"><span style="font-size: small;">So, everyone should have at least 1 medical card to cover the medical expenses at unexpected time. Let's check out What is ING Cashless Medical Card and what it offers!</span></div><div style="font-family: Times,"Times New Roman",serif;"><span style="font-size: small;"> </span></div><div style="font-family: Times,"Times New Roman",serif;"><span style="font-size: small;"><i><b>ING Cashless MediPlus </b></i>is a cashless card which means ING guarantees of your hospital admission and <b>take care of all your bills upon you discharge at our panel hospitals</b>. With <b>absolute convenience and hassle free hospitalization</b>, you now have the comfort and peace of mind to focus on what is more important-your health.</span></div><div style="font-family: Times,"Times New Roman",serif;"><span style="font-size: small;"><br />
</span><br />
<span style="font-size: small;">With ING MediPlus Insurance, you are<b> covered worldwide 24 hours a day</b>. You <b>need not worry about funding for healthcare costs</b> or it being a burden on yourself and your loved ones. It is designed to give you maximum protection, flexibility and convenience at minimum cost. All you have to do is select from a choice of three IMPlus plans that suit your needs and let it work for you.</span></div><div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;"><div class="separator" style="clear: both; text-align: center;"><span style="font-size: small;"><a href="http://4.bp.blogspot.com/-0YLzDxaFbZU/Tj4UNOhHZII/AAAAAAAAFBQ/zZ5KiPyx9yI/s1600/medicalcard.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-0YLzDxaFbZU/Tj4UNOhHZII/AAAAAAAAFBQ/zZ5KiPyx9yI/s1600/medicalcard.jpg" /></a></span></div><span style="font-size: small;"><br />
</span></div><div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;"><span style="font-size: small;"><b>Comprehensive Hospitalizations & Surgical Coverage</b></span></div><div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;"><span style="font-size: small;"><b><br />
</b></span> </div><table border="1" cellpadding="0" cellspacing="0" style="font-family: Times,"Times New Roman",serif;"><tbody>
<tr> <td width="58%"><span style="font-size: small;"><b>Schedule of Benefit</b></span></td> <td width="14%"><div align="center"><span style="font-size: small;"><b>IMPlus 1</b></span></div><div style="text-align: center;"><span style="font-size: small;">(RM)</span></div></td> <td width="14%"><div align="center"><span style="font-size: small;"><b>IMPlus 2</b></span></div><div style="text-align: center;"><span style="font-size: small;">(RM)</span></div></td> <td width="13%"><div align="center"><span style="font-size: small;"><b>IMPlus 3</b></span></div><div style="text-align: center;"><span style="font-size: small;">(RM)</span></div></td> </tr>
<tr> <td colspan="4" width="99%"><span style="font-size: small;"><b>Hospitalisation & Surgical Expenses</b></span></td> </tr>
<tr> <td width="58%"><span style="font-size: small;">a) Room & Board (daily limit)</span></td> <td width="14%"><div align="center"><span style="font-size: small;">120</span></div></td> <td width="14%"><div align="center"><span style="font-size: small;">180</span></div></td> <td width="13%"><div align="center"><span style="font-size: small;">260</span></div></td> </tr>
<tr> <td width="58%"><span style="font-size: small;">b) Intensive Care Unit(Total period for Hospital Room & Board and intensive Care Unit up to a maximum of 60 days per disability)</span></td> <td width="14%"><div align="center"><span style="font-size: small;">300</span></div></td> <td width="14%"><div align="center"><span style="font-size: small;">300</span></div></td> <td width="13%"><div align="center"><span style="font-size: small;">300</span></div></td> </tr>
<tr> <td width="58%"><span style="font-size: small;">c) Surgical Expenses(Surgical fees, Anaesthetist fee and Operating theatre charges) including post surgical care up to sixty (60) days from date of discharge)</span></td> <td colspan="3" rowspan="4" width="40%"><div align="center"><span style="font-size: small;">As charged subject to self-insured deductible</span><br />
<span style="font-size: small;"><b>RM50**</b></span></div></td> </tr>
<tr> <td width="58%"><span style="font-size: small;">d) Hospital Expenses</span></td> </tr>
<tr> <td width="58%"><span style="font-size: small;">e) Pre-Surgery/Medical Specialist Consultation<i>Includes fees incurred for consultation within 31 days prior to hospital admission or Day Surgery</i></span></td> </tr>
<tr> <td width="58%"><span style="font-size: small;">f) Pre-Surgery/Medical Diagnosis Test</span></td> </tr>
<tr> <td width="58%"><span style="font-size: small;">g) <b>Daily Cash Allowance</b> at a Malaysian Government Hospital (per disability)</span></td> <td width="14%"><div align="center"><span style="font-size: small;">50</span></div></td> <td width="14%"><div align="center"><span style="font-size: small;">50</span></div></td> <td width="13%"><div align="center"><span style="font-size: small;">50</span></div></td> </tr>
<tr> <td width="59%"><span style="font-size: small;">Out of Hospital Benefits</span></td> <td colspan="3" width="41%"><br />
</td> </tr>
<tr> <td width="59%"><span style="font-size: small;">a) Day Surgery Benefits</span></td> <td colspan="3" width="41%"><div align="center"><span style="font-size: small;">As charged subject to self-insured deductible</span><br />
<span style="font-size: small;">RM50**</span></div></td> </tr>
<tr> <td width="59%"><span style="font-size: small;">b) Emergency Accidental Outpatient Treatment <i>- up to 31 days from the date of accident</i></span></td> <td colspan="3" rowspan="4" width="41%"><div align="center"><span style="font-size: small;"><b>As charged</b></span></div></td> </tr>
<tr> <td width="59%"><span style="font-size: small;">c) Post-Hospitalisation or Day Surgery Follow up <i>- up to sixty (60) days from date of discharge or Day Surgery</i></span></td> </tr>
<tr> <td width="59%"><span style="font-size: small;">d) <b>Out- Patient Cancer Treatment</b></span></td> </tr>
<tr> <td width="59%"><span style="font-size: small;">e) <b>Out-Patient Kidney Dialysis Treatment</b></span></td> </tr>
<tr> <td width="59%"><span style="font-size: small;">f) Home Nursing Care <i>Limit per disability. Valid within 7 days from the date of hospital discharge, subject to a minimum of 3 days hospitalisation</i></span></td> <td width="14%"><div align="center"><span style="font-size: small;">500</span></div></td> <td width="14%"><div align="center"><span style="font-size: small;">1,000</span></div></td> <td width="13%"><div align="center"><span style="font-size: small;">2,000</span></div></td> </tr>
<tr> <td width="59%"><span style="font-size: small;">Overall Annual Limit</span></td> <td width="14%"><div align="center"><span style="font-size: small;">60,000</span></div></td> <td width="14%"><div align="center"><span style="font-size: small;">110,000</span></div></td> <td width="13%"><div align="center"><span style="font-size: small;">160,000</span></div></td> </tr>
<tr> <td width="59%"><span style="font-size: small;">Lifetime Limit</span></td> <td width="14%"><div align="center"><span style="font-size: small;"><b>180,000</b></span></div></td> <td width="14%"><div align="center"><span style="font-size: small;"><b>330,000</b></span></div></td> <td width="13%"><div align="center"><span style="font-size: small;"><b>480,000</b></span></div></td></tr>
</tbody></table><div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;"><span style="font-size: small;"><b> </b>**A deductible amount of RM50 is payable by the policyholder. This deduction is applicable per hospital admission/Day Surgery.</span></div><div class="MsoNormal" style="font-family: Times,"Times New Roman",serif; line-height: normal;"><span style="font-size: small;"><br />
</span></div><div class="MsoNoSpacing"><span style="font-size: small;"><b>NOTES: </b></span></div><div class="MsoNoSpacing"><span style="font-size: small;">a) Minimum Age at Entry: <b>30 days old</b></span></div><div class="MsoNoSpacing"><span style="font-size: small;">b) Maximum Age at Entry: <b> 69 years old</b></span></div><div class="MsoNoSpacing"><span style="font-size: small;">c) Maximum renewal age: <b>85 years old</b></span></div><div class="MsoNoSpacing"><span style="font-size: small;">d) Hospital & Surgical is not allowed for pregnant employed female application.</span></div><div class="MsoNoSpacing"><span style="font-size: small;">e) For female risks, juvenile risks and student risks, Hospital & Surgical is granted @ Occupational Class of 1 to 6.</span></div><div class="MsoNoSpacing"><span style="font-size: small;">f) Hospital & Surgical is allowed for foreign applicants with working permits.</span></div><div class="MsoNoSpacing"><span style="font-size: small;">g) Only one IMPlus policy is allowed on per life basis. </span></div><div class="MsoNoSpacing"><span style="font-size: small;"><br />
</span></div><div><div style="text-align: center;"><span style="font-size: small;"><b><b>Contact us to enquire about ING Cashless Medical Card at :</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>+6 (012) 634 9414</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>engineer2207@gmail.com</b></b></span></div></div><span style="font-family: "Trebuchet MS","sans-serif"; font-size: small;"> </span><br />
<div class="MsoNormal" style="line-height: normal;"><span style="font-family: "Trebuchet MS","sans-serif"; font-size: small;"> </span></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-7030620567144894637?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-51496365658279386542011-08-07T10:20:00.000+08:002011-08-10T13:04:29.211+08:002011-08-10T13:04:29.211+08:00ING Panel Hospitals Malaysia<table bgcolor="#1c4c8b" border="0" cellpadding="3" cellspacing="1" style="width: 500px;"><tbody>
<tr> <td align="center" colspan="3" valign="middle"><div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/-HPfhdxQpbl8/Tj37R1TnTrI/AAAAAAAAFBI/oC2UDqbzuak/s1600/ing5.a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="143" src="http://1.bp.blogspot.com/-HPfhdxQpbl8/Tj37R1TnTrI/AAAAAAAAFBI/oC2UDqbzuak/s400/ing5.a.jpg" width="400" /></a></div><span style="color: white; font-family: verdana; font-size: xx-small;"><b>Wilayah Persekutuan Kuala Lumpur</b></span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Damai Service Hospital115-119, Jalan Ipoh<br />
51200 Kuala Lumpur<br />
Tel:+603-4043 4900<br />
Fax:+603-4043 5399 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Gleneagles Intan Medical Centre+282 & 286<br />
Jalan Ampang<br />
50450 Kuala Lumpur<br />
Tel:+603-42571300<br />
Fax:+603-42579233 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Hospital Pantai Indah Sdn Bhd Jalan Perubatan 1<br />
Pandan Indah<br />
55100 Kuala Lumpur<br />
Tel:+603 - 42892828<br />
Fax:+603-42967406 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Pantai Medical Centre<br />
**8, Jalan Bukit Pantai<br />
59100 Kuala Lumpur<br />
Tel:+603-22825077<br />
Fax:+603-22821557 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Pusat Pakar Tawakal<br />
**194A-208A, Jalan Pahang,<br />
Setapak<br />
53000 Kuala Lumpur<br />
Tel:+603-4023 3599 / 4023 7899<br />
Fax:+603-4022 8063 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Pusat Perubatan Pantai Cheras1 Jln 1/96A<br />
Taman Cheras Makmur<br />
56100 KUALA LUMPUR<br />
Tel:+603-91322022<br />
Fax:+603-91320732 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Sentosa Medical Centre36, Jalan Chemur,Kompleks Damai<br />
50400 Kuala Lumpur<br />
Tel:+603-4043 7166<br />
Fax:+603-4043 7761 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Tung Shin Hospital<br />
+No. 102, Jalan Pudu<br />
55100 Kuala Lumpur<br />
Tel:+603-2072 1655<br />
Fax:+603-2070 0345 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><br />
</td> </tr>
<tr> <td align="center" colspan="3" valign="middle"><span style="color: white; font-family: verdana; font-size: xx-small;"><b>Selangor</b></span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Ampang Puteri<br />
**No. 1, Jalan Mamanda 9<br />
Taman Dato Ahmad Razali<br />
68000 Ampang<br />
Tel:+603-4270 2500<br />
Fax:+603-4270 1712 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Arunamari Specialist Medical Centre168, Jalan Batu Unjur 1,<br />
Bayu Perdana<br />
41200 Klang<br />
Tel:+603-3324 3288Fax:+603-3324 3228 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Assunta Hospital<br />
+Jalan Templer<br />
46990 Petaling Jaya<br />
Tel:+603-7782 3433<br />
Fax:+603-7781 4933 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Columbia Asia Medical Centre, PuchongNo. 1, Lebuh Puteri<br />
Bandar Puteri<br />
47100 Puchong<br />
Tel:+603-80648688<br />
Fax:+603-80648788 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Damansara Specialist Hospital<br />
**119, Jalan 20/10<br />
Damansara Utama<br />
47400 Petaling Jaya<br />
Tel:+603-7722 2692<br />
Fax:+603-7722 2617 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Darul Ehsan Medical CentreNo. 32 & 34,Jalan Tengku Ampuan,<br />
Zabedah D/9D ,Seksyen 9,40100 Shah AlamTel:+603-5880 8868 Fax:+603-5880 4594 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Kajang Specialist Hospital Sdn BhdJalan Cheras<br />
Kajang<br />
43000 Selangor Darul Ehsan<br />
Tel:+603-87692999<br />
Fax:+603-87692808 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Pantai Klang Specialist Medical Centre Sdn Bhd42 Persiaran Raja Muda Musa<br />
41100 Klang<br />
Tel:+603-33725222<br />
Fax:+603-33715705 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Pusat Pakar Mata Centre For SightNo.1-1 Jalan SS23/15<br />
Taman Sea<br />
47400 Petaling Jaya </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Selangor Specialist Hospital Sdn Bhd<br />
**Lot 1, Jalan Singa 20/1,<br />
Section 20<br />
40300 Shah Alam<br />
Tel:+603-5543 1111<br />
Fax:+603-5540 3373 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Sentosa Specialist Hospital(formerly known as Kamuning Medical Center)<br />
No 27-29 Lorong Temenggung 15A<br />
Off Jalan Sg Jati<br />
41200 Klang<br />
Tel:+603- 51619232 / 51619252<br />
Fax:+603- 51619280 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Sime Darby Medical Centre Subang Jaya<br />
**(formerly known as Subang Jaya Medical Centre)<br />
1 Jalan SS12/1A,<br />
47500 Subang Jaya<br />
Tel:+603-5634 1212<br />
Fax:+603-5630 6985 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Sime Darby Specialist Centre Megah(formerly known as Megah Medical Specialists)<br />
79 Jalan SS23/15<br />
Taman Sea<br />
47400 Petaling Jaya<br />
Tel:+603-7803 1212<br />
Fax:+603-7803 8090 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Sunway Medical Centre<br />
+5, Jalan Lagoon Selatan<br />
Bandar Sunway<br />
46150 Selangor Darul Ehsan<br />
Tel:+603-74919191<br />
Fax:+603-74918181 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
SriKota Specialist Medical Centre **<br />
Jalan Mohet<br />
Klang<br />
41000 Klang<br />
Tel:03-33733636<br />
Fax:03-33736888 </span></td> </tr>
<tr> <td align="center" colspan="3" valign="middle"><span style="color: white; font-family: verdana; font-size: xx-small;"><b>Sarawak</b></span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Columbia Asia Medical Centre Miri<br />
**Lot 1035-1039, Jalan Bulan Sabit<br />
C.D.T. 15598009 Miri<br />
Tel:+6085-428 621<br />
Fax:+6085-425 677 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Kuching Specialist Hospital<br />
**Lot 10420, Block 11<br />
Tabuan Stutong Commercial Centre<br />
Jalan Setia Raja<br />
93350 Kuching<br />
Tel:+6082-365777<br />
Fax:+6082-364666 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Normah Medical CentreLot 937, Section 30 KTLD<br />
Jalan Tun Datuk Patinggi Hj Abdul<br />
Rahman Yaakob, Petra Jaya<br />
93050 Kuching<br />
Tel:+6082-440 055<br />
Fax:+6082-442 600 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Rejang Medical CentreLot 70 Pusat Pedada<br />
Jalan Pedada<br />
96000 Sibu, Sarawak<br />
Tel:+6084-330733<br />
Fax:+6084-327342 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Timberland Medical CentreLot 5164-5165, Block 16 KCLD<br />
2 1/2 Mile Jalan Rock<br />
93250 Kuching </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><br />
</td> </tr>
<tr> <td align="center" colspan="3" valign="middle"><span style="color: white; font-family: verdana; font-size: xx-small;"><b>Sabah</b></span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Sabah Medical Centre Sdn Bhd Lorong Bersatu, Off Jalan Damai<br />
Luyang<br />
Kota Kinabalu<br />
88300 Kota Kinabalu<br />
Tel:+6088-322 098 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Damai Specialist Hospital **<br />
Lorong Pokok Tepus 1<br />
Off Jalan Damai<br />
88300 Kota Kinabalu<br />
Tel:088-222922 / 210043<br />
Fax:088-255692 </span></td> </tr>
<tr> <td align="center" colspan="3" valign="middle"><span style="color: white; font-family: verdana; font-size: xx-small;"><b>Perak</b></span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Apollo Medical Centre271 Jalan Taming Sari<br />
34000 Taiping<br />
Tel:+605-8056000<br />
Fax:+605-8076000 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Hospital Fatimah<br />
+1, Leboh Chew Peng Loon<br />
Jalan Dato?Lau Pak Khuan<br />
31400 Ipoh<br />
Tel:+605-545 5713/ 5777<br />
Fax:+605-547 7050 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Hospital Pantai Puteri Ipoh<br />
**126 Jalan Tambun<br />
31400 Ipoh<br />
Tel:+605-548 4333<br />
Fax:+605-545 1163 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Ipoh Specialist Hospital Sdn Bhd<br />
**26 Jalan Raja Dihilir<br />
30350 Ipoh<br />
Tel:+605-240 8777<br />
Fax:+605-254 1388 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Kinta Medical CentreNo. 20 Jalan Chung Thye Pin<br />
30250 Ipoh<br />
Tel:+605-254 2125<br />
Fax:+605-254 3264 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Perak Community Specialist Hospital277 Jalan Kampar<br />
30250 Ipoh<br />
Tel:+605- 2545594 / 2548918<br />
Fax:+605- 2554288 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Taiping Medical CentreNo. 45-49 Jalan Medan Taiping 2<br />
Medan Taiping<br />
34000 Taiping<br />
Tel:+605-807 1971Fax:+605-806 3713 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><br />
</td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><br />
</td> </tr>
<tr> <td align="center" colspan="3" valign="middle"><span style="color: white; font-family: verdana; font-size: xx-small;"><b>Penang</b></span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Bagan Specialist Centre<br />
**Jalan Bagan 1<br />
13400 Butterworth<br />
Tel:+604-3322800<br />
Fax:+604-3334412 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Gleneagles Medical Centre<br />
**No. 1, Jalan Pangkor<br />
10050 Pulau Pinang<br />
Tel:+604-227 6111<br />
Fax:+604- 226 2944 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Hospital Lam Wah Ee<br />
**141 Jalan Tan Sri Teh Ewe Lim<br />
11600 Penang<br />
Tel:+604-657 1888<br />
Fax:+604-657 0940 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Hospital Pantai Mutiara Penang82 Jalan Tengah<br />
Bayan Baru<br />
11900 Pulau Pinang<br />
Tel:+604-6433888<br />
Fax:+604-6396558 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Island Hospital308, Macalister Road<br />
10450 Pulau Pinang<br />
Tel:+604-2288222<br />
Fax:+604-2268517 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Loh Guan Lye Specialist Centre<br />
+19 & 21, Logan Road<br />
10400 Pulau Pinang<br />
Tel:+604-228 8501<br />
Fax:+604-229 0287 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"> </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Penang Adventist Hospital<br />
**465 Jalan Burma<br />
10350 Pulau Pinang<br />
Tel:+604-222 7200<br />
Fax:+604-227 8512 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Tanjung Medical Centre473, Jalan Burma<br />
10350 Pulau Pinang<br />
Tel:+604-2262323<br />
Fax:+604-2299008 </span></td> </tr>
<tr> <td align="center" colspan="3" valign="middle"><span style="color: white; font-family: verdana; font-size: xx-small;"><b>Pahang</b></span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Kuantan Medical Centre Sdn BhdNo. 1 Jalan Tun Ismail<br />
925000 Kuantan<br />
Tel:+609-514 2828<br />
Fax:+609-514 7688 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Kuantan Specialist Hospital<br />
**No. 51 Jalan Alor Akar<br />
Taman Kuantan<br />
25250 Kuantan<br />
Tel:+609-567 8588<br />
Fax:+609-567 8098 </span></td> </tr>
<tr> <td align="center" colspan="3" valign="middle"><span style="color: white; font-family: verdana; font-size: xx-small;"><b>Negeri Sembilan</b></span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Hospital Columbia Seremban<br />
**No. 292 Jalan Haruan 2<br />
Oakland Commercial Park<br />
Seremban<br />
Tel:+606-601 1988<br />
Fax:+606-601 1848 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">NS Chinese Maternity HospitalJalan Tun Dr Ismail<br />
70200 Seremban<br />
Tel:+606-7622104,06-7620617,06-7630410<br />
Fax:+606-7630105, 06-7630407 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Seremban Specialist HospitalLot 6219 & 6220, Jalan Toman 1<br />
Kemayan Square<br />
70200 Seremban<br />
Tel:+606-7677800<br />
Fax:+606-7675900 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Mawar Renal Medical Centre #<br />
No.71, Jalan Rasah<br />
Seremban<br />
Negeri Sembilan<br />
70300 Seremban<br />
Tel:06-7647092<br />
Fax:06-7647048 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
NCI Hospital #<br />
PT 13717 Jalan BBN 2/1<br />
Bandar Baru Nilai<br />
71800 Nilai<br />
Tel:06-8500999<br />
Fax:06-8501397 </span></td> </tr>
<tr> <td align="center" colspan="3" valign="middle"><span style="color: white; font-family: verdana; font-size: xx-small;"><b>Melaka</b></span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Hospital Pantai Ayer Keroh<br />
**No. 2418-1, KM8<br />
Lebuh Air Keroh<br />
75450 Melaka<br />
Tel:+606-231 9999<br />
Fax:+606-231 3299 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Mahkota Medical Centre, Malacca<br />
+No. 3 Mahkota Melaka<br />
Jalan Merdeka<br />
75000 Melaka<br />
Tel:+606-281 3333<br />
Fax:+606-281 0560 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Putra Specialist Hospital (Melaka) Sdn Bhd169 Jalan Bendahara<br />
75100 Melaka<br />
Tel:+606-283 5888<br />
Fax:+606-281 0518 </span></td> </tr>
<tr> <td align="center" colspan="3" valign="middle"><span style="color: white; font-family: verdana; font-size: xx-small;"><b>Kelantan</b></span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Kota Bharu Specialist Cent.PT. 179- 184, Jln Sultan<br />
Yahya Petra, Lundang<br />
15200 Kota Bahru<br />
Tel:+609-7433399 , 09-7439999<br />
Fax:+609-7433800 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Hospital Pakar Perdana **<br />
Lot PT 37 & 600, Seksyen 14<br />
Jalan Bayam<br />
Kota Bahru<br />
15200 Tel:09-7458000<br />
Fax:09-7472877 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><br />
</td> </tr>
<tr> <td align="center" colspan="3" valign="middle"><span style="color: white; font-family: verdana; font-size: xx-small;"><b>Kedah</b></span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Hospital Pantai Utara Sungai Petani<br />
**(formerly known as Strand Hospital & Retirement Home)<br />
1 Persiaran Cempaka<br />
Bandar Amanjaya<br />
08000 Sungei Petani<br />
Tel:+604-442 8888<br />
Fax:+604-442 6805 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Kedah Medical Centre175, Jalan Pumpong<br />
Mukim Alor Merah<br />
05250 Alor Setar<br />
Tel:+604-730 8878<br />
Fax:+604-733 2869 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Metro Specialists<br />
**A7-A9, Jalan Kampung Baru<br />
08000 Sungai Petani<br />
Tel:+604-423 8888<br />
Fax:+604-423 8888 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Putra Medical CentreJalan Sekerat<br />
Off Jalan Putra<br />
05100 Alor Setar<br />
Tel:+604-7342888<br />
Fax:+604- 7348882 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><br />
</td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><br />
</td> </tr>
<tr> <td align="center" colspan="3" valign="middle"><span style="color: white; font-family: verdana; font-size: xx-small;"><b>Johor</b></span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Hospital PenawarNO. 17 (A-D) & 18 (A-D)<br />
Pusat Perniagaan<br />
81700 Pasir Gudang<br />
Tel:+607-252 1800<br />
Fax:+607-251 8199 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Johor Specialist Hospital<br />
**39B Jalan Abdul Samad<br />
80100 Johor Bahru<br />
Tel:+607-2253000<br />
Fax:+607-224 8213 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Kempas Medical CentreLot PTD 7522<br />
Jalan Kempas Baru<br />
81200 Johor Bahru<br />
Tel:+607-2368999<br />
Fax:+607-2368222 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Medical Specialist Center<br />
+Wisma Maria<br />
Jln Ngee heng<br />
80100 Johor Bahru<br />
Tel:+607-224 3888<br />
Fax:+607-223 6785 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Pusat Pakar Kluang Utama S/BNo 1, Susur 1<br />
Jalan Besar<br />
86000 Kluang<br />
Tel:+607-7718999<br />
Fax:+607-7728999 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;"><br />
Puteri Specialist Hospital<br />
**33 Jln Tun Abdul Razak ( susur 5 )<br />
80000 Johor Bahru<br />
Tel:+607-223 3377<br />
Fax:+607-223 8833 </span></td> </tr>
<tr> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><span style="font-family: verdana; font-size: xx-small;">Putra Specialist Hospital (Batu Pahat) Sdn BhdNo. 1, Jalan Peserai<br />
83000 Batu Pahat<br />
Tel:+607-413 3333<br />
Fax:+607-413 7333 </span></td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><br />
</td> <td align="left" bgcolor="#ffffff" valign="top" width="20%"><br />
</td> </tr>
</tbody> </table>**Note: Hospitals marked with **’s require a deposit for admission. The deposit is refundable upon discharge of patient.<br />
<br />
<div><div style="text-align: center;"><span style="font-size: small;"><b><b>Contact me to enquire about ING Cashless Medical Card at :</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>Anuradha .R </b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>+6 (012) 634 9414</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>engineer2207@gmail.com</b></b></span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-5149636565827938654?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-5190731618563060372011-08-07T10:19:00.000+08:002011-08-07T23:14:38.155+08:002011-08-07T23:14:38.155+08:00ING Panel Clinics in Malaysia<div style="text-align: center;"><span style="font-size: small;"><b>ING Panel Clinics in Malaysia</b></span><br />
<div class="separator" style="clear: both; text-align: center;"><span style="font-size: small;"><a href="http://1.bp.blogspot.com/-G_8ONsziScE/Tj37q0liJpI/AAAAAAAAFBM/WI8bDsLXyKk/s1600/images.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-G_8ONsziScE/Tj37q0liJpI/AAAAAAAAFBM/WI8bDsLXyKk/s1600/images.jpg" /></a></span></div></div><span style="font-size: small;"><br />
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<table border="0" cellpadding="0" cellspacing="0"><colgroup span="1"><col span="1" width="277"></col></colgroup> <tbody></tbody> <tbody></tbody> <tbody></tbody> <tbody></tbody> <tbody></tbody> <tbody></tbody> <tbody></tbody> <tbody>
<tr height="20"> <td colspan="2" height="20" style="text-align: center;"><span style="font-size: small;"><b>KUALA LUMPUR</b></span></td> </tr>
<tr height="20"> <td height="20" style="text-align: center;" width="400"><span style="font-size: small;">Clinic Name</span></td> <td width="165"><span style="font-size: small;">Location Name</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK MEDIVIRON</span></td> <td><span style="font-size: small;">KEPONG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK BALJIT</span></td> <td><span style="font-size: small;">KEPONG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KELINIK NG DAN LEE</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KELINIK SETIA</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK DAN SURGERI MESRA SDN BHD</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK FAMILI DR WAN KAMARIAH SDN BHD</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK INTER-MED</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK KELUARGA DESA 24 JAM</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK MEDIVIRON</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK REDDY</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SERI MELAWATI SDN BHD</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK BANDAR</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK BANDAR (PUDU)</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK DAN PEMBEDAHAN BANDAR</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK KUMPULAN CITY</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK KUMPULAN CITY</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK LUDHER, BHULLAR & RAKAN-RAKAN</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PUDU</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK SURJIT</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">REDDY CLINIC</span></td> <td><span style="font-size: small;">KUALA LUMPUR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><br />
</td> <td><br />
</td> </tr>
<tr height="20"> <td colspan="2" height="20" style="text-align: center;"><span style="font-size: small;"><b>SELANGOR</b></span></td> </tr>
<tr height="20"> <td height="20" style="text-align: center;" width="400"><span style="font-size: small;">Clinic Name</span></td> <td><span style="font-size: small;">Location Name</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KELINIK SENTOSA</span></td> <td><span style="font-size: small;">AMPANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK IDZHAM SDN BHD</span></td> <td><span style="font-size: small;">AMPANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK MALAYSIA DAN SURGERI</span></td> <td><span style="font-size: small;">AMPANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK GOMEZ</span></td> <td><span style="font-size: small;">AMPANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK ROSLY DAN RAKAN RAKAN</span></td> <td><span style="font-size: small;">AMPANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK LEMBAH JAYA</span></td> <td><span style="font-size: small;">AMPANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK ZALFAH</span></td> <td><span style="font-size: small;">BANGI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK & SURGERI KUBEN 24 JAM</span></td> <td><span style="font-size: small;">BANTING</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK NG SREE DAN RAKAN RAKAN</span></td> <td><span style="font-size: small;">BANTING</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK & SURGERI BANTING 24 JAM</span></td> <td><span style="font-size: small;">BANTING</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK MEDICARE</span></td> <td><span style="font-size: small;">BATANG KALI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK SYIFA & SURGERI</span></td> <td><span style="font-size: small;">BATANG KALI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK NATHAN DAN RAKAN-RAKAN</span></td> <td><span style="font-size: small;">BATU CAVES</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK RANJIT</span></td> <td><span style="font-size: small;">BATU CAVES</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK REDDY</span></td> <td><span style="font-size: small;">BATU CAVES</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SIVA DAN SURGERY</span></td> <td><span style="font-size: small;">CHERAS</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK READYCARE</span></td> <td><span style="font-size: small;">DAMANSARA PJ</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK ALAM MEDIC PELANGI DAMANSARA</span></td> <td><span style="font-size: small;">DAMANSARA PJ</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK HARMONI</span></td> <td><span style="font-size: small;">DENGKIL</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">GILL MEDICAL CENTRE</span></td> <td><span style="font-size: small;">KAJANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK WAWASAN</span></td> <td><span style="font-size: small;">KAJANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK DAMAI 24JAM</span></td> <td><span style="font-size: small;">KAJANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK LUCKY</span></td> <td><span style="font-size: small;">KAPAR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SHARIL DAN RAKAN</span></td> <td><span style="font-size: small;">KAPAR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">DR LEELA RATOS DAN RAKAN-RAKAN</span></td> <td><span style="font-size: small;">KLANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">STATE INDIRA CLINIC (DRS JAAFAR & PARTNERS)</span></td> <td><span style="font-size: small;">KLANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SHARIL</span></td> <td><span style="font-size: small;">KLANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK CINTA SAYANG</span></td> <td><span style="font-size: small;">KLANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK KELUARGA DAN SURGERI</span></td> <td><span style="font-size: small;">KOTA DAMANSARA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK MEDICARE</span></td> <td><span style="font-size: small;">KUALA KUBU BARU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK SINARAN & SURGERI</span></td> <td><span style="font-size: small;">KUALA SELANGOR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">DR LEELA RATOS DAN RAKAN-RAKAN</span></td> <td><span style="font-size: small;">PETALING JAYA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK AMARDEV DAN SURGERI</span></td> <td><span style="font-size: small;">PETALING JAYA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK FERNANDEZ DAN RAKAN- RAKAN</span></td> <td><span style="font-size: small;">PETALING JAYA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK MEDIVIRON</span></td> <td><span style="font-size: small;">PETALING JAYA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK MEDIVIRON</span></td> <td><span style="font-size: small;">PETALING JAYA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SERI SETIA</span></td> <td><span style="font-size: small;">PETALING JAYA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK LOURDES</span></td> <td><span style="font-size: small;">PETALING JAYA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">QHC MEDICAL CENTRE</span></td> <td><span style="font-size: small;">PETALING JAYA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK & SURGERI SIDHU</span></td> <td><span style="font-size: small;">PORT KLANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KELINIK GANESHRAM</span></td> <td><span style="font-size: small;">PUCHONG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK PUTRA PERDANA</span></td> <td><span style="font-size: small;">PUCHONG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SELVA</span></td> <td><span style="font-size: small;">PUCHONG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK SRI PERMAI</span></td> <td><span style="font-size: small;">PUCHONG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK VIJAY (KINRARA) SDN BHD</span></td> <td><span style="font-size: small;">PUCHONG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK AMAR</span></td> <td><span style="font-size: small;">RAWANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK NG DAN SINGH</span></td> <td><span style="font-size: small;">RAWANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK WONG SINGH</span></td> <td><span style="font-size: small;">RAWANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SP CARE</span></td> <td><span style="font-size: small;">RAWANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK GUNWANT</span></td> <td><span style="font-size: small;">SABAK BERNAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK DINAMIK</span></td> <td><span style="font-size: small;">SEMENYIH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">CLINIC K SINGAM ASSOCIATES</span></td> <td><span style="font-size: small;">SEPANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">PUSRAWI PCSB MEDICAL CENTRE</span></td> <td><span style="font-size: small;">SEPANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK SYIFA & SURGERI</span></td> <td><span style="font-size: small;">SERENDAH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK INDAH MED</span></td> <td><span style="font-size: small;">SERI KEMBANGAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PENAWAR</span></td> <td><span style="font-size: small;">SERI KEMBANGAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK ALAM MEDIC</span></td> <td><span style="font-size: small;">SHAH ALAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK ANIS</span></td> <td><span style="font-size: small;">SHAH ALAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK BANDARAN SDN BHD</span></td> <td><span style="font-size: small;">SHAH ALAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK DR ROSLI</span></td> <td><span style="font-size: small;">SHAH ALAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK MEDIVIRON</span></td> <td><span style="font-size: small;">SHAH ALAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK NIK ISAHAK</span></td> <td><span style="font-size: small;">SHAH ALAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK LOURDES</span></td> <td><span style="font-size: small;">SHAH ALAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KELINIK NG & LEE</span></td> <td><span style="font-size: small;">SHAH ALAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK HARMONI</span></td> <td><span style="font-size: small;">SHAH ALAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK MENARA SDN BHD</span></td> <td><span style="font-size: small;">SHAH ALAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK ALAM MEDIC</span></td> <td><span style="font-size: small;">SUBANG JAYA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SELVA</span></td> <td><span style="font-size: small;">SUBANG JAYA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK KELUARGA DAN SURGERI</span></td> <td><span style="font-size: small;">SUNGAI BULOH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><br />
</td> <td><br />
</td> </tr>
<tr height="20"> <td colspan="2" height="20" style="text-align: center;"><span style="font-size: small;"><b>PULAU PINANG</b></span></td> </tr>
<tr height="20"> <td height="20" style="text-align: center;" width="400"><span style="font-size: small;">Clinic Name</span></td> <td><span style="font-size: small;">Location Name</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK JOE FERNANDEZ</span></td> <td><span style="font-size: small;">BUKIT MERTAJAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK JOE FERNANDEZ</span></td> <td><span style="font-size: small;">SEBERANG PRAI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK JOE FERNANDEZ</span></td> <td><span style="font-size: small;">BAYAN BARU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK AMAN</span></td> <td><span style="font-size: small;">GELUGOR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK AMAR</span></td> <td><span style="font-size: small;">PRAI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK BATU LANCANG</span></td> <td><span style="font-size: small;">JELUTONG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK BERSATU 24 JAM</span></td> <td><span style="font-size: small;">AIR ITAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK DR AQIB DAN SURGERI</span></td> <td><span style="font-size: small;">KEPALA BATAS</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK WAWASAN 24 JAM</span></td> <td><span style="font-size: small;">BUKIT MERTAJAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SINGAPORE</span></td> <td><span style="font-size: small;">GEORGETOWN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SINGAPORE</span></td> <td><span style="font-size: small;">BAYAN BARU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">SRI PELANGI MEDICAL CLINIC</span></td> <td><span style="font-size: small;">BUKIT JAMBUL</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK TAN DAN RAKAN-RAKAN</span></td> <td><span style="font-size: small;">BUTTERWORTH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK RELAU</span></td> <td><span style="font-size: small;">BUKIT JAMBUL</span></td> </tr>
<tr height="20"> <td height="20" width="400"><br />
</td> <td><br />
</td> </tr>
<tr height="20"> <td colspan="2" height="20" style="text-align: center;"><span style="font-size: small;"><b>JOHOR</b></span></td> </tr>
<tr height="20"> <td height="20" style="text-align: center;" width="400"><span style="font-size: small;">Clinic Name</span></td> <td><span style="font-size: small;">Location Name</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK NUR</span></td> <td><span style="font-size: small;">BATU PAHAT</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK ASIA TEBRAU</span></td> <td><span style="font-size: small;">JOHOR BAHRU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK ANGGERIK 24 JAM</span></td> <td><span style="font-size: small;">JOHOR BAHRU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK GAN SDN BHD</span></td> <td><span style="font-size: small;">JOHOR BAHRU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PAUL</span></td> <td><span style="font-size: small;">JOHOR BAHRU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PENAWAR</span></td> <td><span style="font-size: small;">JOHOR BAHRU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PENAWAR</span></td> <td><span style="font-size: small;">JOHOR BAHRU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PENAWAR</span></td> <td><span style="font-size: small;">JOHOR BAHRU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK SERI MUTIARA (KUMPULAN PERUBATAN PUTRA</span></td> <td><span style="font-size: small;">KLUANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PENAWAR</span></td> <td><span style="font-size: small;">KOTA TINGGI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PENAWAR</span></td> <td><span style="font-size: small;">KULAI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PENAWAR</span></td> <td><span style="font-size: small;">MASAI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK JOHOR</span></td> <td><span style="font-size: small;">PASIR GUDANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PENAWAR</span></td> <td><span style="font-size: small;">PONTIAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PUTERI DAN SURGERI</span></td> <td><span style="font-size: small;">SKUDAI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK BINTANG</span></td> <td><span style="font-size: small;">SKUDAI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK FAIZAL DAN RAKAN RAKAN</span></td> <td><span style="font-size: small;">TAMPOI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PENAWAR</span></td> <td><span style="font-size: small;">TAMPOI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK TAJ 24 JAM</span></td> <td><span style="font-size: small;">TAMPOI</span></td> </tr>
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</td> <td><br />
</td> </tr>
<tr height="20"> <td colspan="2" height="20" style="text-align: center;"><span style="font-size: small;"><b>KEDAH</b></span></td> </tr>
<tr height="20"> <td height="20" style="text-align: center;" width="400"><span style="font-size: small;">Clinic Name</span></td> <td><span style="font-size: small;">Location Name</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK MUTIARA</span></td> <td><span style="font-size: small;">ALOR SETAR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK MAHKOTA</span></td> <td><span style="font-size: small;">ALOR SETAR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK KITA 24 JAM</span></td> <td><span style="font-size: small;">LUNAS</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK BERSATU 24 JAM</span></td> <td><span style="font-size: small;">SUNGAI PETANI</span></td> </tr>
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</td> <td><br />
</td> </tr>
<tr height="20"> <td colspan="2" height="20" style="text-align: center;"><span style="font-size: small;"><b>KELANTAN</b></span></td> </tr>
<tr height="20"> <td height="20" style="text-align: center;" width="400"><span style="font-size: small;">Clinic Name</span></td> <td><span style="font-size: small;">Location Name</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK PANCHO</span></td> <td><span style="font-size: small;">KOTA BAHRU</span></td> </tr>
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</td> <td><br />
</td> </tr>
<tr height="20"> <td colspan="2" height="20" style="text-align: center;"><span style="font-size: small;"><b>MELAKA</b></span></td> </tr>
<tr height="20"> <td height="20" style="text-align: center;" width="400"><span style="font-size: small;">Clinic Name</span></td> <td><span style="font-size: small;">Location Name</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK IHSAN DAN SITI SDN BHD</span></td> <td><span style="font-size: small;">ALOR GAJAH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KELINIK AYER KEROH</span></td> <td><span style="font-size: small;">AYER KEROH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK AL’ AZHIM KLEBANG</span></td> <td><span style="font-size: small;">BATANG TIGA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK NAZMIR</span></td> <td><span style="font-size: small;">BATU BERENDAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK UTAMA PUTRA</span></td> <td><span style="font-size: small;">BATU BERENDAM</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK AL’AZHIM</span></td> <td><span style="font-size: small;">BUKIT BARU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SRIMAS & SURGERI 24 JAM</span></td> <td><span style="font-size: small;">CHENG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK DR. JEGGAN</span></td> <td><span style="font-size: small;">JASIN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK ASUZA SDN BHD</span></td> <td><span style="font-size: small;">MELAKA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK MANOHARAN & EUGENE SDN BHD</span></td> <td><span style="font-size: small;">MELAKA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKELINIK SEMABOK</span></td> <td><span style="font-size: small;">MELAKA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK BANDAR</span></td> <td><span style="font-size: small;">MELAKA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK DAN SURGERI BATU BERENDAM</span></td> <td><span style="font-size: small;">MELAKA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK PERDANA</span></td> <td><span style="font-size: small;">MELAKA</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK DR.JAMALUDIN DAN SURGERI</span></td> <td><span style="font-size: small;">MERLIMAU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK BINTANGMAS</span></td> <td><span style="font-size: small;">SUNGAI UDANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><br />
</td> <td><br />
</td> </tr>
<tr height="20"> <td colspan="2" height="20" style="text-align: center;"><span style="font-size: small;"><b>NEGERI SEMBILAN</b></span></td> </tr>
<tr height="20"> <td height="20" style="text-align: center;" width="400"><span style="font-size: small;">Clinic Name</span></td> <td><span style="font-size: small;">Location Name</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KELINIK JALAN TEMPLER SDN BHD</span></td> <td><span style="font-size: small;">NILAI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SALAK</span></td> <td><span style="font-size: small;">NILAI</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">PORT MEDICAL CENTRE</span></td> <td><span style="font-size: small;">PORT DICKSON</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK PERMATA</span></td> <td><span style="font-size: small;">SENAWANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK TAWAKAL</span></td> <td><span style="font-size: small;">SENAWANG</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KELINIK JALAN TEMPLER SDN BHD</span></td> <td><span style="font-size: small;">SEREMBAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SEELAN</span></td> <td><span style="font-size: small;">SEREMBAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK PENAWAR SDN BHD</span></td> <td><span style="font-size: small;">SEREMBAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK QUALITAS (SEREMBAN) SDN BHD</span></td> <td><span style="font-size: small;">SEREMBAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">DHALIWAL CLINIC & SURGERY</span></td> <td><span style="font-size: small;">SEREMBAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK DR NORLIAZURA</span></td> <td><span style="font-size: small;">SEREMBAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK SAKTI</span></td> <td><span style="font-size: small;">TAMPIN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><br />
</td> <td><br />
</td> </tr>
<tr height="20"> <td colspan="2" height="20" style="text-align: center;"><span style="font-size: small;"><b>PAHANG</b></span></td> </tr>
<tr height="20"> <td height="20" style="text-align: center;" width="400"><span style="font-size: small;">Clinic Name</span></td> <td><span style="font-size: small;">Location Name</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK PUTRAMEDIC KUANTAN</span></td> <td><span style="font-size: small;">KUANTAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK AR RAZI</span></td> <td><span style="font-size: small;">KUANTAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK SUFFIMAS</span></td> <td><span style="font-size: small;">KUANTAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><br />
</td> <td><br />
</td> </tr>
<tr height="20"> <td colspan="2" height="20" style="text-align: center;"><span style="font-size: small;"><b>PERAK</b></span></td> </tr>
<tr height="20"> <td height="20" style="text-align: center;" width="400"><span style="font-size: small;">Clinic Name</span></td> <td><span style="font-size: small;">Location Name</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK DAN SURGERI GUL</span></td> <td><span style="font-size: small;">CHEMOR</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK BHAJAN</span></td> <td><span style="font-size: small;">IPOH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK CHE WAN</span></td> <td><span style="font-size: small;">IPOH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">PERAK MEDICAL CENTRE SDN BHD</span></td> <td><span style="font-size: small;">IPOH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKELINIK KINTA</span></td> <td><span style="font-size: small;">IPOH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK FAIR PARK</span></td> <td><span style="font-size: small;">IPOH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK IPOH JAYA</span></td> <td><span style="font-size: small;">IPOH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK BALBIR</span></td> <td><span style="font-size: small;">IPOH</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">MEDI-KLINIK SHAHROL</span></td> <td><span style="font-size: small;">TELUK INTAN</span></td> </tr>
<tr height="20"> <td height="20" width="400"><br />
</td> <td><br />
</td> </tr>
<tr height="20"> <td colspan="2" height="20"><span style="font-size: small;"><b>EAST MALAYSIA</b></span></td> </tr>
<tr height="20"> <td colspan="2" height="20" style="text-align: center;"><span style="font-size: small;"><b>SABAH</b></span></td> </tr>
<tr height="20"> <td height="20" style="text-align: center;" width="400"><span style="font-size: small;">Clinic Name</span></td> <td><span style="font-size: small;">Location Name</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK DAN SURGERI HILLTOP</span></td> <td><span style="font-size: small;">KOTA KINABALU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK LAU & CHOONG</span></td> <td><span style="font-size: small;">KOTA KINABALU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">KLINIK MALAYSIA (CAWANGAN JLN LINTAS)</span></td> <td><span style="font-size: small;">KOTA KINABALU</span></td> </tr>
<tr height="20"> <td height="20" width="400"><br />
</td> <td><br />
</td> </tr>
<tr height="20"> <td colspan="2" height="20" style="text-align: center;"><span style="font-size: small;"><b>SARAWAK</b></span></td> </tr>
<tr height="20"> <td height="20" style="text-align: center;" width="400"><span style="font-size: small;">Clinic Name</span></td> <td><span style="font-size: small;">Location Name</span></td> </tr>
<tr height="20"> <td height="20" width="400"><span style="font-size: small;">POLIKLINIK IBNU SINA</span></td> <td><span style="font-size: small;">KEMAMAN</span></td></tr>
</tbody></table><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-519073161856306037?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0tag:blogger.com,1999:blog-7704057477580280682.post-48042931127642132242011-08-07T10:01:00.000+08:002011-08-10T13:05:32.520+08:002011-08-10T13:05:32.520+08:00Avoiding the Retirement Medical Expense Surprise<span style="font-size: small;">The wildcard in every retirement plan is the cost of medical care. Medical expenses above estimates are the cause of many retirement plan failures. There are several reasons medical expenses disrupt so many plans:</span><br />
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<ul><li><span style="font-size: small;">Many people are used to employer-paid medical care. Before they retire, they do not realize the full cost of medical insurance and often assume the employer coverage will continue.</span></li>
<li><span style="font-size: small;">Employers used to provide medical coverage for retirees. Now, few do. As of 2010, only about 5% of companies with 500 or more employees offered at least some retiree medical coverage. Most that do offer retiree medical care reduced benefits in recent years, and smaller employers rarely offer retiree medical care.</span></li>
<li><span style="font-size: small;">Life expectancy continues to increase, and medical expenses tend to rise with age.</span></li>
<li><span style="font-size: small;">The cost of medical care is rising faster than general price inflation.</span></li>
<li><span style="font-size: small;">Technology makes more conditions treatable but the treatment comes at a cost.</span></li>
<li><span style="font-size: small;">The lifetime cost of medical care varies between individuals. Some have minimal expenses until a final illness; others develop chronic conditions and incur above average expenses for years.</span></li>
<li><span style="font-size: small;">Retirement medical care is divided into two buckets: regular medical expenses and long-term health care.</span></li>
<li><span style="font-size: small;">Medical care is not spread evenly over retirement. The expenses generally increase over time and bulge in the later years.</span></li>
</ul><div class="separator" style="clear: both; text-align: center;"><span style="font-size: small;"><a href="http://2.bp.blogspot.com/-Mc-JEu7ka5I/Tj4U-DHtVPI/AAAAAAAAFBU/fNFEhIg0G6M/s1600/retirement-age-of-medical-teachers-increased-to-70-22023511.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="241" src="http://2.bp.blogspot.com/-Mc-JEu7ka5I/Tj4U-DHtVPI/AAAAAAAAFBU/fNFEhIg0G6M/s400/retirement-age-of-medical-teachers-increased-to-70-22023511.jpg" width="400" /></a></span></div><span style="font-size: small;"><br />
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<span style="font-size: small;">Estimating the cost of retirement medical care is difficult. Fidelity Investments has an annual survey that attempts to do that. <b><i>A recent estimate is that the average married couple age 65 today will pay RM677,000 for medical care between ages 65 and 80.</i></b> For most couples, the expenses will average RM30,000 or more in the early years of retirement and be much higher in later years. Many people will live beyond 80, boosting lifetime costs. The Fidelity estimates are an average, so half of retirees will have higher costs.</span><br />
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<span style="font-size: small;">In 2008 for the first time Fidelity also estimated the cost of long-term care for the average 65-year-old couple. The couple will jointly spend RM255,000 over their lifetimes on long-term care. This is in addition to the other estimated retirement medical expenses.</span><br />
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<span style="font-size: small;">Remember that these are average expenses. Some will spend less; others will spend more.</span><br />
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<span style="font-size: small;">For a couple retiring at 65 today, a fund of about RM623,000 is needed just to fund the medical expenses through 85 (not including the long-term care). </span><br />
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<span style="font-size: small;"><b><i>Clearly retirement medical expenses are an important part of the retirement plan, and they also one of the most neglected or mishandled.</i></b> Here is what pre-retirees and those in the early years of retirement should do to properly plan for retirement medical expenses.</span><br />
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<span style="font-size: small;">So, what you should do now? Is it a good choice by wait until you are diagnosed a sickness and empty your retirement saving? NO! The cost of retirement medical care is a shock to many retirees. You should prepare early! Get well prepared by owning a <i><b>ING Cashless Medical Card</b></i>. ING Medical Card will serve for youand pay all your hospital bills when you are admitted. Do you think is a good choice when someone (ING) pay your medical bills and your retirement fund are still available for your personal use?</span><br />
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<div><div style="text-align: center;"><span style="font-size: small;"><b><b>Contact me to enquire about ING Cashless Medical Card at :</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>Anuradha .R </b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>+6 (012) 634 9414</b></b></span></div><div style="text-align: center;"><span style="font-size: small;"><b><b>engineer2207@gmail.com</b></b></span></div></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7704057477580280682-4804293112764213224?l=ing-allianz.blogspot.com' alt='' /></div>MyFriendnoreply@blogger.com0