a personalised life insurance solution for liam... · switching depending on your investment needs,...

SI001

A Personalised Life Insurance Solution For

Name Angela Liam

Plan Allianz PowerLink

Presented ByLIEU CHING FOO

Date09-06-2019

Allianz Life Insurance Malaysia Berhad (104248-X)

Allianz Arena, Ground Floor, Block 2A, Plaza Sentral, Jalan Stesen Sentral 5, Kuala Lumpur Sentral, 50470 Kuala Lumpur

Customer Contact Center: 1 300 22 5542

Website: www.allianz.com.my


Allianz PowerLink

DUTY OF DISCLOSURE

General Important Notice:

1. Consumer Insurance ContractPursuant to Paragraph 5 Schedule 9 of the Financial Services Act 2013, if you are applying for this insurance wholly for purposesunrelated to your trade, business or profession, you have a duty to take reasonable care not to make a misrepresentation in answering thequestions required when applying to Allianz Life Insurance Malaysia Berhad ("ALIM") and in addition disclose any other matter that youknow to be relevant to ALIM's decision in accepting the risks and determining the rates and terms to be applied.

2. Non-Consumer Insurance ContractPursuant to Paragraph 4(1) Schedule 9 of the Financial Services Act 2013, if you are applying for this insurance for purposes related toyour trade, business or profession, you have a duty to disclose any matter that you know to be relevant to ALIM's decision in accepting therisks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected toknow to be relevant.

3. This duty of disclosure for Consumer and Non-Consumer Insurance Contract shall continue until the time the contract is entered into,varied or renewed.

4. It is important to notify ALIM of any change in contact details, including the mailing address, mobile phone no., the nominee and/or trustee.

Pg. 1Printed by : LIEU CHING FOO 09-06-2019 @ 20:01:11ALIM Imagine 5.24.0 Copyright © 2019 Allianz Life Insurance Malaysia Berhad This Sales Illustration is for pre-sale purpose only


Allianz PowerLink

CLIENT PARTICULARSClient Name : Angela Liam Sex : FemaleAge Nearest Birthday : 37 Smoker : Non-SmokerPremium Mode : Monthly Occupation Class : 1Basic Sum Assured (RM) : 68,000.00 Basic Premium Amount (RM) : 254.75Loading : No

AGENT PARTICULARSAgent Name : LIEU CHING FOO

Plan Name : Allianz PowerLinkPlan Type : Regular Premium Investment-Linked Insurance Policy

PROTECTIONDeath BenefitA level Sum Assured* plus Account Value is payable in one lump sum upon death.

Total and Permanent Disability (TPD)A level Sum Assured* of up to a maximum of RM8 million (per Life Assured) is payable in one lump sum on TPD prior to age 65 if there isany unit cancellation rider attached to the policy at the date of the commencement of TPD. The Account Value is payable in one lump sumupon death.

A level Sum Assured* of up to a maximum of RM8 million (per Life Assured) plus Account Value is payable in one lump sum on TPD prior toage 65 if there is no unit cancellation rider attached to the policy at the date of the commencement of TPD.

Maturity BenefitFull balance of Account Value is payable in one lump sum upon policy maturity.

FLEXIBILITYSwitchingDepending on your investment needs, you can opt to switch between the available Allianz Life Investment-Linked Funds.

Surrender and WithdrawalSurrenderThe surrender value of the policy is the Account Value, i.e the value of the units in the Account at the Bid Price. The Account Value is non-guaranteed and depends on the actual performance of the Allianz Life Investment-Linked Funds.

WithdrawalPartial withdrawal is allowed if the amount to be withdrawn is at least RM 1,000 and the Account Balance after withdrawal is at least RM1,000. In the event you make a full withdrawal, your policy will be terminated.

Top-UpThe policy owner should use the top-up facility** available to him/her to maximise his/her investment values. The minimum top-up amount isRM500 and 95% of the amount will be used to purchase units as illustrated in the table below. Top up will not increase the basic sumassured.Top-up Premium RM 1,000Allocation Rate for Investment Premium, % (RM) 95% (RM 950)

** Not applicable for Allianz Life Cash Fund.

* Please refer to the Product Disclosure Sheet (PDS) for complete details.

Pg. 2Printed by : LIEU CHING FOO 09-06-2019 @ 20:01:11

ALIM Imagine 5.24.0 Copyright © 2019 Allianz Life Insurance Malaysia Berhad This Sales Illustration is for pre-sale purpose only


Allianz PowerLink

BENEFITS AND PREMIUMS

Basic/Riders Term OfCoverage

SumAssured/Benefit

Annually Half Yearly Quarterly Monthly

(RM) (RM) (RM) (RM) (RM)BASIC 63 68,000.00Insurance 3,057.00 1,528.50 764.25 254.75Investment 0.00 0.00 0.00 0.00Sub Total Basic Premium 3,057.00 1,528.50 764.25 254.75

Unit Cancellation Riders*

UHCR 63 50,000.00

UMSIR 54 UMSIR300TOTAL PREMIUM 3,057.00 1,528.50 764.25 254.75

Please add 6% service tax if the policy owner is a business organization or where the policy is absolutely assigned to a business organization.

* No explicit premiums are payable for providing the benefits of unit cancellation riders. The cost for providing the benefits i.e. cost of insurance(COI) for the unit cancellation riders is levied via cancellation of units directly from the Account Value. COI is automatically deducted on everyCOI due date until the policy matures or there is insufficient Account Value. COI will continue to be deducted during non-payment of regularpremium of the policy. Unit cancellation rider COI will be deducted with your consent as per the declaration section in the application form.

Subject to no changes in the policy benefits and applicable charges, premium being paid up to date and no withdrawal made from thepolicy, under Scenario A, the policy is projected to sustain up to age 69 and under Scenario B, the policy is projected to sustain up toage 74.

The projected investment rate of return for Scenario A and Scenario B are shown in the Summary Illustration. Please note that thepolicy sustainability may be shorter if the actual return is below the projected rate. To enhance the sustainability of the policy, youmay perform top-ups or increase the premium.

Funds Invested: % Invested Premium to FundsAllianz Life Equity Fund 0 0Allianz Life Managed Fund 100% 3,057.00Allianz Life Dynamic Growth Fund 0 0Allianz Life Equity Income Fund 0 0Allianz Life Bond Fund 0 0Allianz Life Dana Padu 0 0Allianz Life Amanah Dana Ikhlas 0 0Allianz Life ASEAN Plus Fund 0 0

100% 3,057.00




Allianz PowerLink

IMPORTANT:

THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PUREINVESTMENT PRODUCT SUCH AS UNIT TRUSTS.

You should read this illustration together with the fund fact sheet (s) of the investment-linked fund (s) which you have chosen. Thefund fact sheet contains all the important information that you will need to know regarding the investment-linked fund.Since only 45.00% of the Annual Premium for the first two policy years is used to purchase units, while 95% of top-up is used to purchaseunits, you can maximise your investment value by minimising your annual premium and maximising your top-ups.

Minimum Annual Premium Required: RM 1,200Minimum Top-ups Allowed: RM 500

Therefore, if your purchase involves a premium of sizeable amount say RM5,000 and above, you should consider purchasing singlepremium investment-linked insurance policy (rather than a regular premium policy) as single premium plans offer better allocation rates forinvestment.Your investment-linked insurance policy will lapse/terminate if there are insufficient units in your fund to pay the required charges. Your unitscould be insufficient over the years due to:

High insurance charges if you buy many riders, and especially if the charges are increasing over time as you get olderPoor investment returnsPremium holiday - i.e. if you stop paying premiums for a long period of time

WARNINGYOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THEACCUMULATED ACCOUNT VALUE IS NOT ENOUGH TO PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENTRETURNS, WHICH WILL RESULT IN YOUR POLICY BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR PREMIUMS ORREDUCE THE LEVEL OF INSURANCE PROTECTION, IF YOU WANT TO MAINTAIN YOUR POLICY*.

* You should ask the agent/broker/financial adviser to explain to you about the insurance charges and its effect on your future insurancecoverage.



Allianz Life Insurance Malaysia Berhad (104248-X)Allianz PowerLink

Client Name : Angela Liam

SUMMARY ILLUSTRATION:This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of fees and charges on account values based on illustration below.The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen investment-linked fund(s). They are not guaranteed and not based on past performance.Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund invests in.The actual returns may even be below the projected rates or negative.

Basic Plan Illustration

Endof

PolicyYear

PremiumPaid at

Beginningof Year

UnallocatedPremium1

AllocatedPremium

GuaranteedBasicSum

Assured

Non-Guaranteed Benefits at Projected Investment ReturnDirect

DistributionCost4

Ageat

Endof

Year

Scenario A @ 3.00% Scenario B @ 8.00%

InsuranceCharges

FundManagement

Charge

OtherCharges2

AccountValue

TotalDeath/TPD

Benefit

InsuranceCharges

FundManagement

Charge

OtherCharges2

AccountValue3

TotalDeath/TPD

Benefit1 3,057.00 1,681.35 1,375.65 68,000 80 15 84 1,232 69,232 80 15 84 1,291 69,291 1,222.80 382 3,057.00 1,681.35 1,375.65 68,000 80 31 84 2,483 70,483 80 31 84 2,662 70,662 1,222.80 393 3,057.00 1,069.95 1,987.05 68,000 80 54 84 4,373 72,373 80 56 84 4,765 72,765 764.25 404 3,057.00 764.25 2,292.75 68,000 84 81 84 6,598 74,598 84 86 84 7,317 75,317 764.25 415 3,057.00 611.40 2,445.60 68,000 90 111 84 9,006 77,006 90 120 84 10,180 78,180 458.55 426 3,057.00 305.70 2,751.30 68,000 98 145 84 11,752 79,752 98 159 84 13,535 81,535 458.55 437 3,057.00 0.00 3,057.00 68,000 107 183 84 14,842 82,842 107 205 84 17,410 85,410 0.00 448 3,057.00 0.00 3,057.00 68,000 117 221 84 17,968 85,968 117 253 84 21,512 89,512 0.00 459 3,057.00 0.00 3,057.00 68,000 129 260 84 21,129 89,129 129 305 84 25,853 93,853 0.00 46

10 3,057.00 0.00 3,057.00 68,000 142 300 84 24,325 92,325 142 359 84 30,444 98,444 0.00 4711 3,057.00 0.00 3,087.57 68,000 156 340 84 27,586 95,586 156 416 84 35,334 103,334 0.00 4812 3,057.00 0.00 3,087.57 68,000 172 380 84 30,880 98,880 172 477 84 40,507 108,507 0.00 4913 3,057.00 0.00 3,087.57 68,000 190 421 84 34,206 102,206 190 542 84 45,977 113,977 0.00 5014 3,057.00 0.00 3,087.57 68,000 209 463 84 37,563 105,563 209 610 84 51,762 119,762 0.00 5115 3,057.00 0.00 3,087.57 68,000 231 504 84 40,949 108,949 231 682 84 57,879 125,879 0.00 5216 3,057.00 0.00 3,087.57 68,000 254 546 84 44,364 112,364 254 758 84 64,345 132,345 0.00 5317 3,057.00 0.00 3,087.57 68,000 279 589 84 47,804 115,804 279 839 84 71,181 139,181 0.00 5418 3,057.00 0.00 3,087.57 68,000 306 631 84 51,270 119,270 306 924 84 78,407 146,407 0.00 5519 3,057.00 0.00 3,087.57 68,000 336 674 84 54,758 122,758 336 1,014 84 86,044 154,044 0.00 5620 3,057.00 0.00 3,087.57 68,000 368 717 84 58,266 126,266 368 1,109 84 94,114 162,114 0.00 5721 3,057.00 0.00 3,087.57 68,000 403 761 84 61,792 129,792 403 1,209 84 100,411 168,411 0.00 5822 3,057.00 0.00 3,087.57 68,000 442 805 84 65,333 133,333 442 1,287 84 106,909 174,909 0.00 5923 3,057.00 0.00 3,087.57 68,000 483 848 84 68,885 136,885 483 1,368 84 113,613 181,613 0.00 6024 3,057.00 0.00 3,087.57 68,000 530 892 84 72,445 140,445 530 1,451 84 120,525 188,525 0.00 6125 3,057.00 0.00 3,087.57 68,000 580 936 84 76,008 144,008 580 1,537 84 127,650 195,650 0.00 6226 3,057.00 0.00 3,087.57 68,000 635 980 84 79,570 147,570 635 1,625 84 134,990 202,990 0.00 6327 3,057.00 0.00 3,087.57 68,000 696 1,024 84 83,124 151,124 696 1,716 84 142,548 210,548 0.00 6428 3,057.00 0.00 3,087.57 68,000 793 1,067 84 86,636 154,636 793 1,810 84 150,296 218,296 0.00 6529 3,057.00 0.00 3,087.57 68,000 740 1,111 84 90,253 158,253 740 1,907 84 158,393 226,393 0.00 6630 3,057.00 0.00 3,087.57 68,000 843 1,155 84 93,822 161,822 843 2,007 84 166,695 234,695 0.00 67

1. This represents a charge to your premium and is used to meet the direct distribution cost (i.e. commission payments to agent/ broker/ financial adviser) and company's expenses.2. Other charges consist of administrative charges.3. Account Value for Scenario B is accumulating at a lower projected investment return after 20 years. Please refer to description on Projected Investment Rate of Return for details.4. Cost directly attributable to the distribution channel for the sales/ marketing of this policy, i.e. payments to agent/ broker/ financial adviser. This cost is borne by you and is paid from the charges that are imposed on your policy for services that the

agent/ broker/ financial adviser will provide to you for the duration of your policy.




SUMMARY ILLUSTRATION:This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of fees and charges on account values based on illustration below.The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen investment-linked fund(s). They are not guaranteed and not based on past performance.Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund invests in.The actual returns may even be below the projected rates or negative.

Basic & Rider Plan Illustration

Endof

PolicyYear

PremiumPaid at

Beginningof Year

WCRPremiumPaid at

Beginningof Year

UnallocatedPremium1

AllocatedPremium

GuaranteedBasicSum

Assured

Non-Guaranteed Benefits at Projected Investment ReturnDirect

DistributionCost4

Ageat

Endof

Year

Scenario A @ 3.00% Scenario B @ 8.00%

InsuranceCharges

FundManagement

Charge

OtherCharges2

AccountValue

TotalDeath/TPD

Benefit

InsuranceCharges

FundManagement

Charge

OtherCharges2

AccountValue3

TotalDeath/TPD

Benefit1 3,057.00 0.00 1,681.35 1,375.65 68,000 1,236 1 84 74 68,074 1,236 1 84 107 68,107 1,222.80 382 3,057.00 0.00 1,681.35 1,375.65 68,000 1,237 2 84 149 68,149 1,237 3 84 220 68,220 1,222.80 393 3,057.00 0.00 1,069.95 1,987.05 68,000 1,237 10 84 845 68,845 1,237 12 84 988 68,988 764.25 404 3,057.00 0.00 764.25 2,292.75 68,000 1,242 23 84 1,857 69,857 1,242 25 84 2,123 70,123 764.25 415 3,057.00 0.00 611.40 2,445.60 68,000 1,539 34 84 2,742 70,742 1,539 38 84 3,184 71,184 458.55 426 3,057.00 0.00 305.70 2,751.30 68,000 1,551 49 84 3,939 71,939 1,551 54 84 4,623 72,623 458.55 437 3,057.00 0.00 0.00 3,057.00 68,000 1,565 67 84 5,450 73,450 1,565 76 84 6,460 74,460 0.00 448 3,057.00 0.00 0.00 3,057.00 68,000 1,581 86 84 6,968 74,968 1,581 99 84 8,393 76,393 0.00 459 3,057.00 0.00 0.00 3,057.00 68,000 1,599 105 84 8,491 76,491 1,599 123 84 10,425 78,425 0.00 46

10 3,057.00 0.00 0.00 3,057.00 68,000 1,985 119 84 9,651 77,651 1,985 144 84 12,186 80,186 0.00 4711 3,057.00 0.00 0.00 3,087.57 68,000 2,005 133 84 10,839 78,839 2,005 166 84 14,067 82,067 0.00 4812 3,057.00 0.00 0.00 3,087.57 68,000 2,024 148 84 12,026 80,026 2,024 189 84 16,042 84,042 0.00 4913 3,057.00 0.00 0.00 3,087.57 68,000 2,045 163 84 13,209 81,209 2,045 213 84 18,117 86,117 0.00 5014 3,057.00 0.00 0.00 3,087.57 68,000 2,071 177 84 14,384 82,384 2,071 239 84 20,292 88,292 0.00 5115 3,057.00 0.00 0.00 3,087.57 68,000 2,485 187 84 15,163 83,163 2,485 261 84 22,176 90,176 0.00 5216 3,057.00 0.00 0.00 3,087.57 68,000 2,528 196 84 15,911 83,911 2,528 284 84 24,132 92,132 0.00 5317 3,057.00 0.00 0.00 3,087.57 68,000 2,579 205 84 16,618 84,618 2,579 308 84 26,154 94,154 0.00 5418 3,057.00 0.00 0.00 3,087.57 68,000 2,638 213 84 17,277 85,277 2,638 333 84 28,239 96,239 0.00 5519 3,057.00 0.00 0.00 3,087.57 68,000 2,701 220 84 17,883 85,883 2,701 358 84 30,387 98,387 0.00 5620 3,057.00 0.00 0.00 3,087.57 68,000 3,164 222 84 18,034 86,034 3,164 379 84 32,192 100,192 0.00 5721 3,057.00 0.00 0.00 3,087.57 68,000 3,233 223 84 18,119 86,119 3,233 401 84 33,264 101,264 0.00 5822 3,057.00 0.00 0.00 3,087.57 68,000 3,306 223 84 18,132 86,132 3,306 413 84 34,302 102,302 0.00 5923 3,057.00 0.00 0.00 3,087.57 68,000 3,382 222 84 18,068 86,068 3,382 425 84 35,302 103,302 0.00 6024 3,057.00 0.00 0.00 3,087.57 68,000 3,464 221 84 17,922 85,922 3,464 437 84 36,258 104,258 0.00 6125 3,057.00 0.00 0.00 3,087.57 68,000 4,649 204 84 16,587 84,587 4,649 434 84 36,051 104,051 0.00 6226 3,057.00 0.00 0.00 3,087.57 68,000 4,734 187 84 15,147 83,147 4,734 430 84 35,749 103,749 0.00 6327 3,057.00 0.00 0.00 3,087.57 68,000 4,815 168 84 13,604 81,604 4,815 426 84 35,354 103,354 0.00 6428 3,057.00 0.00 0.00 3,087.57 68,000 4,930 147 84 11,922 79,922 4,930 419 84 34,826 102,826 0.00 6529 3,057.00 0.00 0.00 3,087.57 68,000 4,903 126 84 10,242 78,242 4,903 413 84 34,306 102,306 0.00 6630 3,057.00 0.00 0.00 3,087.57 68,000 6,144 90 84 7,294 75,294 6,144 391 84 32,509 100,509 0.00 67

1. This represents a charge to your premium and is used to meet the direct distribution cost (i.e. commission payments to agent/ broker/ financial adviser) and company's expenses.2. Other charges consist of administrative charges.3. Account Value for Scenario B is accumulating at a lower projected investment return after 20 years. Please refer to description on Projected Investment Rate of Return for details.4. Cost directly attributable to the distribution channel for the sales/ marketing of this policy, i.e. payments to agent/ broker/ financial adviser. This cost is borne by you and is paid from the charges that are imposed on your policy for services that the

agent/ broker/ financial adviser will provide to you for the duration of your policy.




IMPORTANT:This is a breakdown illustration of insurance charges. It is intended to show the insurance charges that will be charged for different riders you attached in the basic plan. The illustration includes a schedule that shows how your policy chargesincrease over time.The insurance charges shown below are purely for illustration purposes only. The actual charges may be higher subject to risk rating by our underwriter. Insurance charges are not guaranteed and may be varied from time to time by giving threemonths notice to policy owners. The Company reserve the right to review the charges.You are reminded that the insurance charges will affect the Account Value accumulated in your policy.

Breakdown of Insurance Charges

End of

Policy Year

Premium Paid at

Beginning of Year

Insurance Charges Age at

End of

Year

BasicCategory 1 Rider Category 2 Rider Other Riders(s)

- UHCR UMSIR -

1 3,057.00 80.24 - 83.00 1,073.00 - 382 3,057.00 80.24 - 83.50 1,073.00 - 393 3,057.00 80.24 - 84.00 1,073.00 - 404 3,057.00 83.64 - 85.50 1,073.00 - 415 3,057.00 90.44 - 87.00 1,362.00 - 426 3,057.00 97.92 - 91.00 1,362.00 - 437 3,057.00 106.76 - 96.00 1,362.00 - 448 3,057.00 116.96 - 102.00 1,362.00 - 459 3,057.00 128.52 - 108.50 1,362.00 - 46

10 3,057.00 142.12 - 115.50 1,727.00 - 4711 3,057.00 156.40 - 121.50 1,727.00 - 4812 3,057.00 172.04 - 125.00 1,727.00 - 4913 3,057.00 190.40 - 128.00 1,727.00 - 5014 3,057.00 209.44 - 134.50 1,727.00 - 5115 3,057.00 230.52 - 146.50 2,108.00 - 5216 3,057.00 253.64 - 166.00 2,108.00 - 5317 3,057.00 278.80 - 192.50 2,108.00 - 5418 3,057.00 306.00 - 223.50 2,108.00 - 5519 3,057.00 335.92 - 257.50 2,108.00 - 5620 3,057.00 367.88 - 291.50 2,505.00 - 5721 3,057.00 403.24 - 324.50 2,505.00 - 5822 3,057.00 442.00 - 359.00 2,505.00 - 5923 3,057.00 483.48 - 394.00 2,505.00 - 6024 3,057.00 529.72 - 429.00 2,505.00 - 6125 3,057.00 580.04 - 463.50 3,605.00 - 6226 3,057.00 635.12 - 493.50 3,605.00 - 6327 3,057.00 695.64 - 514.00 3,605.00 - 6428 3,057.00 792.88 - 532.50 3,605.00 - 6529 3,057.00 739.84 - 558.50 3,605.00 - 6630 3,057.00 842.52 - 598.00 4,703.00 - 67



Allianz PowerLink


The information set out below forms part of your Sales Illustration.

NOTES:1. Allianz Life Insurance Malaysia Berhad believes it is important that you fully appreciate all the benefits under your policy, and that you also

understand how the cost of the insurance protection, distribution, administration, investment and other costs affect these benefits.2. The Surrender Value and Death/ TPD Benefits illustrated above have not allowed for any partial withdrawals or top-ups of units during the

policy term.3. You should satisfy yourself that the plan serves your needs and that you can afford the premium. If you need clarification, please contact us

or your agent.4. Buying a regular premium life policy is a long-term commitment. It is not advisable to hold this policy for a short period of time in view of the

high initial costs.5. The information set out below explains the individual items in the sales illustration table.6. This is not a contract of insurance, the full terms and conditions of this plan are set out in the policy contract.

PREMIUM PAIDThis is the amount that you (policy owner) pay annually for this policy. Take note that the amount paid will be invested into the investment-linkedfund(s) you selected. See explanation on unallocated and allocated premium below.

UNALLOCATED PREMIUMThe unallocated premium charge is an upfront charge on the premium paid and is used to meet insurer's expenses and direct distribution cost,including the commission payable to the agent/broker/financial adviser.

The agent/ broker/ financial adviser may also be entitled to production and persistency bonus during the first three years of the policy providedthat the agent/ broker/ financial adviser meet the qualifying criteria set by the insurer.

ALLOCATED PREMIUMYour Regular Premium may be split into Insurance Premium and Investment Premium.

INSURANCE PREMIUMThe insurance Premium means such portion of the Regular Premium to be unitised solely for insurance coverage and investment. The insurancecoverage includes coverage for the Basic plan and the Rider(s) where the premiums are levied via cancellation of units from your Account Value.

This section shows the ratio of premiums that is used for investments/ to buy units and company's expenses including the commission payable tothe agency force/ other intermediaries in the investment-linked funds.

To illustrate, allocation rates for investment-linked insurance policy with RM1,200 annual premium are as follows ( as a % of premium):Policy Year 1 2 3 4 5 6 7 - 10 11 & abovePremium Paid RM 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00 1,200.00Allocation Rate for Insurance Premium % 45.00% 45.00% 65.00% 75.00% 80.00% 90.00% 100.00% 101.00%

RM 540.00 540.00 780.00 900.00 960.00 1,080.00 1,200.00 1,212.00

A proportion of your regular premium is allocated to create units at Bid Price from the Allianz Life Investment-Linked Fund(s) that you havechosen.

A proportion of premium that is not allocated into units (i.e. premium paid less allocated premium) is used to pay the commissions to the agency/broker/ financial adviser.

Buying a regular premium life policy is a long-term commitment. It is not advisable to hold this policy for a short period of time in view of the highinitial costs.

In cases where the purchase involves a premium of sizable amount say RM5,000 and above, the prospect should consider purchasing singlepremium investment-linked insurance policy (rather than an annual premium policy) as single premium plans offer better allocation rates forinvestment.

INVESTMENT PREMIUMInvestment Premium means such portion of the Regular Premium to be unitised solely for investment.95% of the investment premium isallocated to purchase units.Policy Year For All YearsInvestment Premium RM 1,000Allocation Rate for Investment Premium , % (RM) 95.00% (RM 950)

IN FORCE GUARANTEEThe Policy Charges for the first three (3) policy years will be deferred (subsequently called the "Deferred Policy Charges") so that this Policy willnot lapse in the event the value of balance of Units in this Policy is insufficient to pay the Policy Charges when due provided all Premiums dueunder this Policy are paid no later than thirty-one (31) days from the Premium Due Date and no Units are withdrawn from this Policy for thisduration (subsequently called "the In Force Guarantee feature"). The In Force Guarantee feature will be forfeited if the total Premium due underthis Policy is not paid or paid after the expiry of thirty-one (31) days from the Premium Due Date.

The Deferred Policy Charges will be deducted from the Account Value when the Account Value becomes sufficient or from the benefit amountpayable of the Basic Policy and Supplementary Contract (if any).




Allianz PowerLink

BASIC SUM ASSUREDThis is the minimum amount to be received on death or when you become totally and permanently disabled in accordance to your policy contract.

Sum Assured Multiple AllowableThe apportionment of the Insurance Premium and Investment Premium is dependent on the minimum Sum Assured multiple as stipulated below:

Age of the Life Assured Minimum Sum Assured Multiple<16 60x and above17 to 25 55x and above26 to 35 50x and above36 to 45 35x and above46 to 55 25x and above56 above 15x and aboveYou can increase the sum assured multiple beyond the prescribed minimum shown above subject to the company's underwriting.Your Sum Assured Multiple is calculated using the following formula:

SAM = Total Sum Assured

(Total Annual Premium - First Year Insurance Charges for Category 2 Riders)

where Total Sum Assured = Sum of Basic Sum Assured + Category 1 Rider Sum Assured

ACCOUNT VALUEThis is the projected value of units at any particular point in time that you may receive if you surrender the policy and is net of tax and allapplicable charges.If the policy is terminated early, you may get less than the amount of premiums paid.

CHARGES:These charges are taken out of your investment-linked fund(s).The illustrated insurance and other charges are based on current levels. These are not guaranteed and may be varied from time to time bygiving 3 months notice to policy owners.Insurance charges are deducted monthly from the value of your units to pay for your insurance coverage. The insurance charge forinsurance coverage varies by your (policy owner's) attained age, sex, occupation, smoking status and medical rating (if any). The insurancecharges will increase as you grow older.

Other Charges:(a) Monthly Service Charges

A RM 7.00 monthly service charge will be levied every month via cancellation of units.

(b) Fund Management ChargeEach of the Allianz Life Investment-Linked Fund is subject to a Fund Management Charge. The maximum Fund Management Charge foreach of the Fund is as follows. The actual Fund Management Charge will vary according to the actual asset mix of the fund and will bereviewed by us no less frequent than quarterly basis.

Allianz Life Equity Fund up to 1.50% per annumAllianz Life Managed Fund up to 1.25% per annumAllianz Life Dynamic Growth Fund up to 1.50% per annumAllianz Life Equity Income Fund up to 1.35% per annumAllianz Life Bond Fund up to 0.75% per annumAllianz Life Dana Padu up to 1.50% per annumAllianz Life Cash Fund* up to 0.75% per annumAllianz Life Amanah Dana Ikhlas up to 1.35% per annumAllianz Life ASEAN Plus Fund up to 1.50% per annum

(c) Top-Up Charges**RM 25.00 per request.

(d) Switching FeesFive (5) free switches are available every policy year. Any subsequent switches will be charged a fee of RM 10.00.

The fees and charges stated above are the current charges. Allianz Life reserves the right to vary the rates above by giving the policy owner atleast three (3) months written notice prior to the next policy anniversary.

* Allianz Life Cash Fund is available for fund switching only.** Not applicable to Allianz Life Cash Fund.

PROJECTED INVESTMENT RATE OF RETURNThe returns for Scenario A and Scenario B have been used respectively to represent the range of possible returns on Allianz Life Equity Fund,Allianz Life Managed Fund, Allianz Life Dynamic Growth Fund, Allianz Life Equity Income Fund, Allianz Life Bond Fund, Allianz Life Dana Padu,Allianz Life Amanah Dana Ikhlas and Allianz Life ASEAN Plus Fund.

The projection of benefits in the Basic Plan Illustration assume that the current law, tax, charges continue to be applicable and the investmentreturns (per annum) before tax and fund charges are based on the annual rates as stipulated below.




Allianz PowerLink

FundProjected Investment Rate of Return

Scenario A Scenario B Scenario BAll years First 20 years After 20 years

Allianz Life Equity Fund 2% 9% 6.0%Allianz Life Managed Fund 3% 8% 5.5%Allianz Life Dynamic Growth Fund 3% 8% 5.5%Allianz Life Equity Income Fund 3% 8% 5.5%Allianz Life Bond Fund 4% 7% 5.0%Allianz Life Dana Padu 2% 9% 6.0%Allianz Life Amanah Dana Ikhlas 3% 8% 5.5%Allianz Life ASEAN Plus Fund 2% 9% 6.0%

Unit Pricing(a) Unit Price is the single price at which units are created and cancelled.(b) Unit Price is based on the value of the underlying assets of the fund, divided by the number of units in issue on the business day before

the Valuation Day. Therefore, all its investment income and capital gains are included in the unit price.(c) Unit pricing is currently done on daily basis. Issuance or redemption of units may be suspended under exceptional circumstances such as

but not limited to temporary closure of any Stock Exchange in which the Fund is invested.

Creation and Cancellation of UnitThe creation and cancellation of units are determined using the Bid Price.

The price of units may rise or fall. The performance of the fund is NOT GUARANTEED.The range of average rate of growth is expected to be different for the different funds.The value of the fund may fall below the amount of premiums paid and depends on the performance of the underlying investments.

Below is the historical actual annual investment returns of the funds compared with the selected benchmarks:Fund / Year 2013 2014 2015 2016 2017

Allianz Life Equity Fund Return 20.53% -3.47% 2.30% 1.68% 19.76%Benchmark 9.83% -6.17% -2.89% -2.45% 12.74%

Allianz Life ManagedFund

Return 10.68% -0.13% 2.79% 2.25% 11.97%Benchmark 6.57% -1.48% 0.32% 0.44% 7.87%

Allianz Life Dynamic Growth Fund

Return 19.79% -1.48% 2.48% 0.00% 18.07%Benchmark 12.38% -6.13% -2.26% -2.77% 12.87%

Allianz Life EquityIncome Fund

Return 14.57% -0.43% 1.79% 1.17% 15.39%Benchmark 7.89% -3.37% -0.95% -0.71% 9.80%

Allianz Life Bond Fund Return 1.60% 2.98% 3.06% 3.47% 3.51%Benchmark 3.20% 3.28% 3.35% 3.25% 3.14%

Allianz Life Dana Padu Return 15.32% 0.94% 3.85% 1.20% 10.99%Benchmark 8.25% -0.40% 3.01% -1.44% 6.91%

Allianz Life Amanah Dana Ikhlas

Return 10.35% 0.75% 0.19% 0.37% 3.70%Benchmark 8.17% -0.53% 2.92% -1.41% 6.90%

Allianz Life ASEAN PlusFund Return

1.40%(launch on

11/10/2013)2.96% 1.92% 5.08% 14.13%

Benchmark -1.08% -1.55% -12.78% 1.77% 20.67%

The respective benchmarks used for each fund are:

The respective benchmarks used prior to 1st December 2013:Allianz Life Equity Fund : FTSE Bursa Malaysia KLCIAllianz Life Managed Fund : 50% FTSE Bursa Malaysia KLCI + 50% 12-months Fixed Deposit RateAllianz Life Dynamic Growth Fund : FTSE Bursa Malaysia EMAS IndexAllianz Life Equity Income Fund : 70% FTSE Bursa Malaysia KLCI + 30% 12-months Fixed Deposit RateAllianz Life Bond Fund : 12-months Fixed Deposit RateAllianz Life Dana Padu : 50% FTSE Bursa Malaysia EMAS Shariah Index + 50% 12-months General Investment Account

RateAllianz Life Amanah Dana Ikhlas : 50% FTSE Bursa Malaysia EMAS Shariah Index + 50% 12-months General Investment Account

RateAllianz Life ASEAN Plus Fund : 50% FTSE Bursa Malaysia Top 100 Index + 50% FTSE ASEAN 40 Index

The respective benchmarks used from 1st December 2013 onwards:Allianz Life Equity Fund : FTSE Bursa Malaysia Top 100 IndexAllianz Life Managed Fund : 50% FTSE Bursa Malaysia Top 100 Index + 50% 12-Month Maybank Fixed Deposit RateAllianz Life Dynamic Growth Fund : FTSE Bursa Malaysia EMAS IndexAllianz Life Equity Income Fund : 70% FTSE Bursa Malaysia Top 100 Index + 30% 12-Month Maybank Fixed Deposit RateAllianz Life Bond Fund : 12-Month Maybank Fixed Deposit Rate




Allianz PowerLink

Allianz Life Dana Padu : 50% FTSE Bursa Malaysia EMAS Shariah Index + 50% 12-month Maybank Islamic Fixed DepositRate

Allianz Life Amanah Dana Ikhlas : 50% FTSE Bursa Malaysia EMAS Shariah Index + 50% 12-months General Investment AccountRate

Allianz Life ASEAN Plus Fund : 50% FTSE Bursa Malaysia Top 100 Index + 50% FTSE ASEAN 40 Index

These historical actual annual investment returns do not take into account any other charges that may be levied.

You should be aware that while reference to the past experience is appropriate, the actual experience can be different.




Product Disclosure Sheet - Allianz PowerLink

PRODUCT DISCLOSURE SHEET(Read this Product Disclosure Sheet before You decide to take up Allianz PowerLink. Be sure to also read the general terms and conditions.)

Financial Service Provider : Allianz Life Insurance Malaysia Berhad ("Us"/"We"/"Our")Product Name : Allianz PowerLink

1. What is this product about?This is a non-participating regular premium investment-linked insurance plan (ILIP) which offers a combination of insurance protectionand investment. If You die or are total and permanently disabled (TPD)* during the term of the Policy, this plan pays a lump sum benefitplus the value of the investment units at the time of claim. This plan expires when Life Assured attains age one hundred (100) years old.Upon survival of the Life Assured at Policy maturity, You will receive one hundred percent 100% of the Account Value established on theValuation Day immediately after the Maturity or Expiry Date.

The Account Value of the ILIP depends on the price of the underlying units, which in turn depends on the performance of Your chosenfund.

* Prior to Life Assured attains age sixty five (65) years old (nearest birthday) on the Policy Anniversary and subject to a maximum InsuredAmount of RM8 million per life.

2. What are the covers/benefits provided?(i) The plan covers:

Coverage Benefits (Amount Payable)Death; or (a) RM 68,000.00 (Insured Amount); plus

(b) 100% of Account Value

TPD; or (a) RM 68,000.00 (Insured Amount); plus(b) 100% of Account Value

Maturity Benefit (a) 100% of Account Value

Other BenefitsIn Force GuaranteeThe Policy Charges for the first three (3) policy years will be deferred (subsequently called the "Deferred Policy Charges") so thatthis Policy will not lapse in the event the value of balance of Units in this Policy is insufficient to pay the Policy Charges when dueprovided all Premiums due under this Policy are paid no later than thirty-one (31) days from the Premium Due Date and no Unitsare withdrawn from this Policy for this duration (subsequently called "the In Force Guarantee feature"). The In Force Guaranteefeature will be forfeited if the total Premium due under this Policy is not paid or paid after the expiry of thirty-one (31) days from thePremium Due Date.The Deferred Policy Charges will be deducted from the Account Value when the Account Value becomes sufficient or from theInsured Amount/Benefits payable under the Basic Policy and Supplementary Contract (if any).

(ii) Fund ChosenFund Invested: % InvestedAllianz Life Equity Fund 0Allianz Life Managed Fund 100%Allianz Life Dynamic Growth Fund 0Allianz Life Equity Income Fund 0Allianz Life Bond Fund 0Allianz Life Dana Padu 0Allianz Life Amanah Dana Ikhlas 0Allianz Life ASEAN Plus Fund 0

100%

(iii) The coverage term for this Plan is 63 years.

Reminder: Please read the sales literature and fund brochure which includes product benefits and objectives of the investment-linkedfund. It is important to select a plan or a combination of funds that suit Your financial goals and risk profile.

3. How much premium do I have to pay?(i) The total premium that You have to pay and the Policy terms may vary depending on Our underwriting requirements.

(ii) The estimated total premium that You have to pay based on standard risks is:Annually Half Yearly Quarterly Monthly

RM 3,057.00 RM 1,528.50 RM 764.25 RM 254.75

Please add 6% service tax if the policy owner is a business organization or where the policy is absolutely assigned to a businessorganization.

(iii) The premium payment period for this plan is 63 years.

We will allocate a portion of the premium to purchase units in the investment-linked fund that You have chosen. Any unallocated amountwill be used to pay commissions to agents and Our other expenses. You are advised to refer to the allocation rates given in the salesillustration.





4. What are the fees and charges that I have to pay?The insurance coverage charges are deducted monthly from the value of Your units. The insurance charges will increase as You growolder. Details of insurance charges and other charges for the ILIP are given in the sales illustration.

5. What are some of the key terms and conditions that I should be aware of?(i) Importance of disclosure- You must disclose all material facts such as medical condition and state Your age correctly. You should

also provide sufficient and accurate information to enable Us to advise You on the suitability of the plan, taking into considerationthe appropriateness of the plan to Your needs and circumstances.

(ii) Free-look period - You may cancel Your Policy by giving Us a written request and by returning this Policy to Us within fifteen (15)days or such longer period as may be specified by Bank Negara Malaysia, from the date of receipt of the Policy by You. We willrefund to you the unallocated premiums, the value of units that have been allocated (if any) at unit price at the next valuation dateand any insurance charge and Monthly Service Charge that have been deducted less any medical fee incurred.

(iii) Account Value - the Account Value of the ILIP depends on the performance of the investment-linked funds selected. The higherthe level of insurance coverage selected, the more units will be absorbed to pay for the insurance charges and the fewer units willremain to accumulate Account Values under Your Policy.

(iv) When the Account Values of the ILIP is insufficient to pay for the insurance and other charges for both the basic Policy and all unitdeducting Riders attached to the basic Policy when due, You will be given a grace period of thirty one (31) days to pay Yourpremium, during which the ILIP will remain in force. However, the ILIP shall lapse at the end of the grace period if any insuranceand other charges shall remain unpaid at the end of the grace period.

(v) Policy Lapse - The ILIP will lapse when the value of investment units is insufficient to pay for the insurance and other charges.(vi) Reinstatement- If the ILIP is lapsed due to non-payment of premium, You may upon obtaining Our written consent reinstate it any

time from the due date of the premium. You may refer to the Policy Contract for the terms and conditions of reinstatement.

Note: This list is non-exhaustive. Please refer to the Policy Contract for the complete terms and conditions under this Plan.

6. What are the major exclusions and limitations under this Plan?(i) Where the age of the Life Assured is less than forty nine (49) months at the time of death/TPD, the amount payable under this

Plan shall be as follows:-Age of Life Assured at the Time of Death/TPD % of Insured Amount Payable

15 days - 12 months 20%13 - 24 months 40%25 - 36 months 60%37 - 48 months 80%

49 months and above 100%

* If the Life Assured's age is less than fifteen (15) days old:We shall pay You the Account Value calculated in the same manner as if the Units are to be cancelled together with unallocatedPremium, Policy Charges and any revision of it, if any, of the premium less the percentage of the premium granted as bonus unitand any expenses incurred for medical examination.

(ii) This Plan shall not cover suicide within twelve (12) months from the Issue Date or any Reinstatement Date, whichever is later.If death was due to suicide within twelve (12) months, the amount payable is one hundred percent (100%) of the Account Valuetogether with the total cost of insurance charged from the Issue Date or Reinstatement Date, whichever is later.

(iii) This Plan shall not cover TPD caused directly or indirectly, wholly or partly, by any one (1) or more of the following events:(a) attempted self-destruction or self-inflicted injuries while sane or insane;(b) war, invasion, act of foreign enemy, hostilities or warlike operations (whether declared or undeclared), strike, riot and/or civil

commotion, mutiny, civil war assuming the proportions of or amounting to a popular uprising, rebellion, revolution,insurrection, military uprising, military or usurped power, martial law, state of siege, terrorist activity or any of the events orcauses which determine the proclamation or maintenance of martial law or state of siege;

(c) accidental events that are directly or indirectly related to the use of atomic, biological or chemical weapons as well asradioactive, biological or chemical warfare agents or substances;

(d) service in the armed forces in time of declared or undeclared war while under orders for warlike operations or restoration ofpublic order;

(e) entering, exiting, operating, servicing, or being transported by any aerial device or conveyance except when the LifeAssured is a passenger on a commercial passenger airline on a regular passenger trip over its established passengerroute;

(f) any congenital defect which has manifested or was diagnosed before the Life Assured attains seventeen (17) years of ageand of which We were not aware at the Issue Date;

(g) an opportunistic infection or a malignant neoplasm if at the time of disability, there is present in the Life Assured AcquiredImmunodeficiency Syndrome. An opportunistic infection includes but is not limited to Pneumocystis carini pneumonia,organism of chronic enteritis, virus and/or disseminated fungi infection. A malignant neoplasm includes but is not limited toKaposi's sarcoma, central nervous system lymphoma, hairy-cell leukemia and/or other malignancies now known or whichbecome known as immediate cause of disability or death in the presence of Acquired Immunodeficiency Syndrome; or

(h) pre-existing conditions unless declared by you/the Life Assured and accepted by Us, on or prior to the Issue Date orReinstatement Date of your policy, whichever is later.

Note: This list is non-exhaustive. Please refer to the Policy Contract for the complete terms and conditions under this Plan.

7. Can I cancel my Policy?You may cancel Your Policy by giving a written notice to Us. Buying a regular premium ILIP is a long-term financial commitment. It is notadvisable to hold this Policy for a short period of time in view of the high initial costs. If You find that the fund that You have chosen is nolonger appropriate, You have the flexibility to switch fund. You are allowed five (5) switches per Policy year without any fee. For additionalswitches within a Policy year, You will be charged a fee of RM10.00 per switch.





8. What do I need to do if there are changes to my contact details?It is important that You inform Us of any change in Your contact details including Your address or the address of Your nominee and/ortrustee, if any, to ensure that all correspondences reach You or Your nominee and/or trustee in a timely manner.

9. How do I make a claim?You may visit www.allianz.com.my for the claims guide. You are advised to submit Your claim (if any) to Us as soon as possible.

10. Where can I get further information?Should You require additional information about investment-linked insurance, please refer to the insurance info booklet on "Investment-Linked Insurance", available at all Our branches or You can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my.

If You have any enquiries, please contact Us at:

Allianz Life Insurance Malaysia Berhad (104248-X)(licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia)Allianz Customer Service CenterAllianz ArenaGround Floor, Block 2APlaza Sentral, Jalan Stesen Sentral 5Kuala Lumpur Sentral50470 Kuala LumpurCustomer Contact Center : 1 300 22 5542Email : [email protected]

11. Other similar types of cover available?Please contact Us if You wish to know any other similar types of cover that We offer.

IMPORTANT NOTE:THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PUREINVESTMENT PRODUCT SUCH AS UNIT TRUSTS. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELFTHAT THE INVESTMENT-LINKED INSURANCE PLAN CHOSEN MEET YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THEPREMIUM THROUGHOUT THE POLICY DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOUPAY THE ADDITIONAL PREMIUMS AS 'TOP-UPS'. RETURN ON ANY INVESTMENT-LINKED FUND IS NOT GUARANTEED.

Other Important Notice:1. You should consider the following before You purchase an ILIP to ensure the Plan suits Your financial needs and goals:

(a) You should satisfy Yourself that this Plan would best serve Your needs and that the premium payable under this Plan is affordable.(b) Whether the allocation of Insurance Premiums towards protection and investment meets Your financial circumstances;(c) Whether the investment-linked fund chosen match Your investment objectives and risk appetites;(d) Whether You understand the financial risk and potential losses that may arise from investing the ILIP;

2. It is advisable for You to nominate a nominee for Your Policy and ensure the nominee is aware of the Policy that You have purchased.Failure to make a nomination shall cause the delay in paying the Policy moneys to Your beneficiary.

3. You may change the ownership of the Policy by an assignment by giving Us a written notice. The change of ownership of the Policy shallbe effective only after We receive the written notice.

4. Insurance protection shall only be provided effective from the date of issue of the Policy.5. You are advised to keep the receipt as proof of payment of premiums.6. The standard time frame required for Us to issue a Policy will be six (6) working days from the submission date of the Application Form

for Life Assurance subject to full documentation received and We are satisfied that no further investigation is necessary.7. This Plan may qualify for tax relief subject to Inland Revenue Board's approval.8. It may not be advantageous to replace an existing life insurance Policy with a new one. If You intended to do so, We recommend that You

consult Your present insurer before making a final decision.9. Surrender value of the Policy is the Account Value. If You surrender Your Policy in the early years, You may receive an amount which is

much lesser than the premiums paid.10. If premium remains unpaid on the premium due date, the Policy shall be kept in force by effecting a premium holiday. However, there

would be a possibility of the Policy lapsing if the required charges such as cost of insurance and Policy Fee / Monthly Service Chargeincluding rider charges exceed the value of investment-linked funds units available.

11. You may vary the level of death benefit and premium and switch investment-linked fund. You may also top-up Your existing ILIP at anytime to enhance the investment portion of Your Policy without any change in the insurance coverage. Please refer to the Policy Contractfor the conditions for each of the options.

12. In the event that any sales and services tax, value added tax or any similar tax and any other duties, taxes, levies or imposts (collectively"Applicable Tax") whatsoever are introduced by any authority and are payable under the laws of Malaysia in connection with any supplyof goods and/or services made or deemed to be made under this Policy, We will be entitled to charge any Applicable Tax as allowed bythe laws of Malaysia. Such Applicable Tax payable shall be paid in addition to the applicable premiums and other charges. All provisionsin this Policy on payment of premiums and default hereof shall apply equally to the Applicable Tax.

This information provided in this Product Disclosure Sheet is valid as at 09-06-2019.




Product Disclosure Sheet - HealthCover

PRODUCT DISCLOSURE SHEET(Read this Product Disclosure Sheet before You decide to take up HealthCover. Be sure to also read the general terms and conditions.)

Financial Service Provider: Allianz Life Insurance Malaysia Berhad ("Us"/"We"/"Our")Product Name: HealthCover

1. What is this product about?This is a unit deducting Rider which is attachable to the regular premium investment-linked insurance plan (ILIP). This Rider providescritical illnesses coverage and pays a lump sum critical illness benefit if the Life Assured is diagnosed of any one(1) of the thirty six (36)critical illnesses (as listed below) prior to the expiry of the Rider. From then on, the Rider shall terminate. The basic Insured Amount of thebasic Policy shall reduce proportionally by the Rider Insured Amount paid.

2. What are the covers/benefits provided?(i) Insured Amount: RM 50,000.00

List of Critical Illnesses cover:1. Stroke - resulting in permanent neurological deficit with

persisting clinical symptoms2. Heart Attack - of specified severity3. Kidney Failure - requiring dialysis or kidney transplant4. Cancer - of specified severity and does not cover very

early cancers5. Coronary Artery By-Pass Surgery6. Serious Coronary Artery Disease7. Angioplasty And Other Invasive Treatments for Coronary

Artery Disease*8. End-Stage Liver Failure9. Fulminant Viral Hepatitis10. Coma - resulting in permanent neurological deficit with

persisting clinical symptoms11. Benign Brain Tumour - of specified severity12. Deafness - Permanent and Irreversible13. Third Degree Burns - of specified severity14. HIV Infection due to Blood Transfusion15. Occupationally Acquired Human Immunodeficiency Virus

(HIV) Infection16. Full-blown AIDS17. End-Stage Lung Disease18. Encephalitis - resulting in permanent inability to perform

Activities of Daily Living

19. Major Organ / Bone Marrow Transplant20. Loss of Speech21. Brain Surgery22. Heart Valve Surgery23. Terminal Illness24. Bacterial Meningitis - resulting in permanent inability to

perform Activities of Daily Living25. Major Head Trauma - resulting in permanent inability to

perform Activities of Daily Living26. Chronic Aplastic Anemia - resulting in permanent Bone

Marrow Failure27. Motor Neuron Disease - permanent neurological deficit

with persisting clinical symptoms28. Parkinson's Disease - resulting in permanent inability to

perform Activities of Daily Living29. Alzheimer's Disease / Severe Dementia30. Muscular Dystrophy31. Surgery to Aorta32. Multiple Sclerosis33. Primary Pulmonary Arterial Hypertension - of specified

severity34. Medullary Cystic Disease35. Cardiomyopathy - of specified severity36. Systemic Lupus Erythematosus with Severe Kidney

Complications

* For Angioplasty and Other Invasive Treatments for Coronary Artery Disease, ten percent 10% of the Rider Insured Amountsubject to a maximum of RM25,000 shall be payable.

** An Extended Total and Permanent Disability (ETPD) Rider is attachable to this HealthCover by default at no extra premiumcharges to You.

The Extended TPD Rider covers:1. Paralysis of Limbs2. Blindness - Permanent and Irreversible3. Loss of Independent Existence

Note: If You wish to terminate this Rider, Your Extended TPD Rider will be terminated automatically.

(ii) The coverage term for this Rider is 63 years.3. How much premium do I have to pay?

No explicit premiums are payable for this Rider as this is a unit deducting Rider. However, the cost of insurance for providing theinsurance coverage for this Rider will be charged from the value of Your units. The cost of insurance that will be charged and the Riderterms may vary depending on Our underwriting requirement.

4. What are the fees and charges that I have to pay?The insurance coverage charges for this Rider are deducted monthly from the value of Your units. The insurance charges will increase asYou grow older. Details of insurance charges for this Rider are given in the sales illustration.

5. What are some of the key terms and conditions that I should be aware of?(i) Importance of disclosure- You must disclose all material facts such as medical condition and state Your age correctly. You should

also provide sufficient and accurate information to enable Us to advise You on the suitability of the plan, taking into considerationthe appropriateness of the plan to Your needs and circumstances.

(ii) Free-look Period - You may cancel Your Rider by giving Us a written request and by returning this Supplementary Contract to Uswithin fifteen (15) days or such longer period as may be specified by Bank Negara Malaysia, from the date of receipt of theSupplementary Contract by You. We will refund to You the insurance charge for this Rider.





(iii) When the Account Value of the basic Policy is insufficient to pay for the insurance and other charges for both the basic Policy andall unit deducting Riders attached to the basic Policy when due, You will be given a grace period of thirty (31) days to pay Yourpremium, during which the basic Policy and this Rider will remain in force. However, the basic Policy and this Rider shall lapse atthe end of the grace period if any insurance and other charges shall remain unpaid at the end of the grace period.

(iv) Waiting period:a) the eligibility for Critical Illnesses benefits under the Supplementary Contract of this Rider (except Critical Illness no. 2, 4, 5, 6

and 7 as stated in the list of Critical Illnesses above) will only start thirty (30) days from the Issue Date or date of lastreinstatement, whichever is later.

b) the eligibility for Critical Illness no. 2, 4, 5, 6 and 7 as stated in the list of Critical Illnesses above under the SupplementaryContract of this Rider will only start sixty (60) days from the Issue Date or date of last reinstatement, whichever is later.

(v) HealthCover is guaranteed renewable.(vi) The cost of insurance is not guaranteed and is charged according to the attained age of the Life Assured. The adjustment in cost of

insurance (if any) will aim to reflect Our claim experience, cost of medical treatment, advancement in medical technology and etc.

Note: This list is non-exhaustive. Please refer to the Supplementary Contract for the complete terms and conditions under thisRider.

6. What are the major exclusions under this Rider?(i) LIEN

If at the date of diagnosis of a critical illness, the Life Assured has not attain the age of fourty nine (49) months, the Insured Amountpayable will be paid as follows:

Age of Life Assured upon diagnosis of a critical illness % of Rider Insured Amount Payable30 days - 12 months 20%

13 - 24 months 40%25 - 36 months 60%37 - 48 months 80%

49 months and above 100%

(ii) This Rider shall not cover:(a) Any critical illness, other than Critical Illness no. 2, 4, 5, 6 and 7 as stated in the list of Critical Illnesses above, which first

manifests itself prior to the thirtieth or (30th) day following the Issue Date or date of last reinstatement of the SupplementaryContract of this Rider, whichever is later; or

(b) Critical Illness no. 2, 4, 5, 6 and 7 as stated in the list of Critical Illnesses above, which first manifest itself prior to the sixtieth(60th) day following the Issue Date or date of last reinstatement of the Supplementary Contract of this Rider, whichever islater; or

(c) Any critical illness which existed at the Issue Date or date of last reinstatement of the Supplementary Contract of this Rider,whichever is later; or

(d) Any critical illness which is due to self-inflicted injuries while sane or insane.


7. Can I cancel my Rider?If You find that this Rider is no longer appropriate, You may cancel Your Supplementary Contract of the Rider by giving a written notice toUs. The Extended TPD Rider will also be cancelled.



10. Where can I get further information?Should You require additional information about investment-linked and medical and health insurance, please refer to the insurance infobooklet on "Investment-Linked Insurance" and "Medical and Health Insurance", available at all Our branches or You can obtain a copyfrom the insurance agent or visit www.insuranceinfo.com.my.







11. Other similar types of cover available.Please contact Us if You wish to know if We have available any other similar types of cover.

IMPORTANT NOTE:YOU SHOULD SATISFY YOURSELF THAT THIS RIDER WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTANDTHE INSURANCE RIDER AND DISCUSS WITH THE AGENT OR CONTACT US DIRECTLY FOR MORE INFORMATION.

Other Important Notice:1. You should satisfy Yourself that this Rider will best serve Your needs and that the cost of insurance for this Rider is affordable.2. Insurance protection shall only be provided effective from the date of issue of the Supplementary Contract of this Rider.3. You are advised to keep the receipt as proof of payment of premiums.4. The standard time frame required for Us to issue a Policy will be six (6) working days from the submission date of the Application Form

For Life Assurance subject to full documentation received and We are satisfied that no further investigation is necessary.5. It may not be advantageous to replace an existing life insurance Policy with a new one. If You intended to do so, We recommend that You

consult Your present insurer before making a final decision.6. This plan may qualify for tax relief subject to Inland Revenue Board's approval.7. In the event that any sales and services tax, value added tax or any similar tax and any other duties, taxes, levies or imposts (collectively

"Applicable Tax") whatsoever are introduced by any authority and are payable under the laws of Malaysia in connection with any supplyof goods and/or services made or deemed to be made under this Policy, We will be entitled to charge any Applicable Tax as allowed bythe laws of Malaysia. Such Applicable Tax payable shall be paid in addition to the applicable premiums and other charges. All provisionsin this Policy on payment of premiums and default hereof shall apply equally to the Applicable Tax.





Product Disclosure Sheet - MediSafe Infinite and Optional Benefit

PRODUCT DISCLOSURE SHEET

Important Note(Read this Product Disclosure Sheet before You decide to take up MediSafe Infinite and Optional Benefit. Be sure to also read the generalterms and conditions.)

Financial Service Provider: Allianz Life Insurance Malaysia Berhad ("Us"/"We"/"Our")Product Name: MediSafe Infinite and Optional Benefit

1. What is this product about?This is a unit deducting investment-linked plan Rider that provides hospitalisation and surgical and specified out-patient treatmentbenefits. No Overall Lifetime Limit is imposed for this rider. Added to the above, Conditional Co-Payment will be waived for treatmentrendered in Malaysia.

Besides, this Rider also offers optional Hospital Income Benefit which You can attach to enjoy a more comprehensive hospital andsurgical plan.

2. What are the covers/benefits provided?(i) The benefits provided by this Rider are shown in the table below:

Plan Type Plan 150 (RM)

Plan 200 (RM)

Plan 250 (RM)

Plan 300 (RM)

Plan 350 (RM)

Plan 400 (RM)

Plan 500 (RM)

Overall Annual Limit 850,000 1,000,000 1,100,000 1,200,000 1,300,000 1,400,000 1,500,000Overall Lifetime Limit No limit

A) Hospitalisation & Surgical Benefit

1Hospital Room & Board (subject to a maximum of one hundred and fifty (150) days per Any One (1) Disability)

150 200 250 300 350 400 500

2Intensive Care Unit (subject to a maximum of one hundred and fifty (150) days perconfinement)

As charged. Subject to Reasonable & Customary Charges*

3 Hospital Supplies and Services4 Surgical Fees5 Anaesthetist Fees6 Operating Theatre Fees

7 In-Hospital Physician Visit (subject to amaximum of two (2) visits per day)

8 Pre-Hospitalisation Diagnostic Tests (within ninety (90) days prior to hospitalisation)

9Pre-Hospitalisation Consultation (within ninety (90) days prior to hospitalisation - maximum of two (2) General Practitioner and one (1)Specialist consultations)

10 Post Hospitalisation Treatment (within ninety (90) days following discharge from hospital)

11Home Nursing Care (subject to a maximum ofone hundred and eighty (180) days perlifetime)

12 Ambulance Fees13 Day-Care Surgery

14 Medical Report Fees ReimbursementAs charged.

Up to a maximum of RM150 per admission for In-Patient treatment or per Disability for Out-Patient treatment.

B) Out-Patient Treatment Benefits

1Emergency Accidental Out-Patient Treatment& thirty (30) days follow up treatment(Annual Limit)

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

2Out-Patient Cancer Treatment (includesconsultation, examination tests and prescribedtake-home drugs)

As charged. Subject to Reasonable & Customary Charges*3Out-Patient Kidney Dialysis Treatment(includes consultation, examination tests andprescribed take-home drugs)

4Out-Patient Dengue or Enteric FeverTreatment (includes consultation, examinationtests and prescribed take-home drugs)





C) Special Benefits

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

2Reimbursement for Alternative Treatment fees(post Hospitalisation Out-Patient benefit, withinthirty (30) days following discharge fromhospital)

As charged. Subject to Reasonable and Customary Charges*(limited to one (1) visit per day)

Limit per day150 200 250 300 350 400 500

Maximum per annum1,500 2,000 2,500 3,000 3,500 4,000 5,000

D) No Claims Reward 10% increase in the initial Hospital Room and Board Benefit every 3 years, providedthat no claim is made in the previous 3 years and the increased amount shall not

exceed 150% of the initial amount of Hospital Room and Board Benefit.

* Reasonable and Customary Charges based on Private HealthCare Facilities and Services (Private Hospitals and Other Private HealthCareFacilities) Regulation 2006 in Malaysia.

NOTE:1. If the Life Assured elects to or is referred by the attending Physician to be treated outside Malaysia and the total amount of claims for a

Policy Year is more than the amount as described in the table below, the Policy Owner shall bear Conditional Co-Payment for eligiblebenefits on the claim amount exceeding the Total Amount of Claims for a Policy Year at a rate as described in the table below:Plan Type Plan 150 Plan 200 Plan 250 Plan 300 Plan 350 Plan 400 Plan 500Total Amount of Claim for a Policy Year RM85,000 RM100,000 RM125,000 RM150,000 RM175,000 RM200,000 RM250,000Conditional Co-Payment (%) 20% 10%Conditional Co-Payment for eligible benefits on the claim amount exceeding the Total Amount of Claims for a Policy Year for medicaltreatment received by the Life Assured in Malaysia will be waived.

2. Difference in the Hospital Room and Board charges and twenty percent (20%) of the eligible benefits (subject to a maximum limit ofRM1,000 per Disability) will be applied if the Life Assured is hospitalised at a Room and Board which is higher than his/her eligiblebenefit.

(ii) You may extend this Rider to opt for the following benefit as shown in the table below. This benefit will be charged by additional unitdeductions.

Plan Type Plan 150 Plan 200 Plan 250 Plan 300 Plan 350 Plan 400 Plan 500E) Optional Benefit

1Hospital Income Benefit (daily benefit per day ofhospitalisation) (maximum thirty (30) days perDisability)

RM75 RM100 RM125 RM150 RM175 RM200 RM300

(iii) The coverage term for MediSafe Infinite is until Policy Anniversary when the Life Assured attains age ninety one (91) years oldnearest birthday.

(iv) The coverage term for Hospital Income Benefit is until Policy Anniversary when the Life Assured attains age eighty one (81) yearsold nearest birthday.

3. How much premium do I have to pay?No explicit premiums are payable for this Rider as this is a unit deducting Rider. However, the Cost of Insurance for providing theinsurance coverage for this Rider is not guaranteed and will be charged from the value of Your units.

The Cost of Insurance that will be charged and the Rider terms may vary depending on Our underwriting requirement.

The Cost of Insurance is not guaranteed and We reserve the right to revise the Cost of Insurance.

4. What are the fees and charges that I have to pay?(i) The insurance coverage charges for this Rider are deducted monthly from the value of Your units. The insurance charges will

increase as You grow older. Details of insurance charges for this Rider are given in the sales illustration.(ii) The charge for the Managed Care Organization (MCO) services is at RM23.00 per annum by way of cancellation of units. We

reserve the right to revise the MCO fee by giving three (3) months written notice prior to the next Policy Anniversary.

5. What are some of the key terms and conditions that I should be aware of?(i) Importance of disclosure - You must disclose all material facts such as medical condition and state Your age correctly. You should

also provide sufficient and accurate information to enable Us to advise You on the suitability of the Rider, taking into consideration theappropriateness of the Rider to Your needs and circumstances.

(ii) Free-look period - You may cancel Your Rider by giving Us a written request and by returning this Supplementary Contract to Uswithin fifteen (15) days or such longer period as may be specified by Bank Negara Malaysia, from the date of receipt of theSupplementary Contract by You. We will refund to You the insurance charge for this Rider less any expenses incurred for medicalexamination.

(iii) When the Account Value of the basic Policy is insufficient to pay for the insurance and other charges for both the basic Policy and allunit deducting Riders attached to the basic Policy when due, You will be given a grace period of thirty one (31) days to makesufficient premium payment, during which the basic Policy and this Rider will remain in force. However, the basic Policy and thisRider shall lapse at the end of the grace period if any insurance and other charges shall remain unpaid at the end of the graceperiod.





(iv) Waiting Period - The eligibility for benefits under this Rider will only start thirty (30) days after the Issue Date or Reinstatement Date,whichever is later except for a covered accident occurring after the effective date of coverage. For Specified Illnesses, the WaitingPeriod is one hundred and twenty (120) days. Specified Illnesses shall mean the following Disabilities and its related complications:a) Hypertension, diabetes mellitus and cardiovascular diseases;b) All tumours, Cancers, cysts, nodules, polyps, stones of the urinary system and biliary system;c) All ear, nose (including sinuses) and throat conditions;d) Hernias, haemorrhoids, fistulae, hydrocele, varicocele;e) Endometriosis including disease of the reproduction system;f) Vertebro-spinal disorders (including disc) and knee conditions.

(v) The waiting period for Hospital Income Benefit is thirty (30) days.(vi) The Cost of Insurance at the time of Renewal is not guaranteed and subject to review in future. We reserve the right to revise the

Cost of Insurance by giving three (3) months written notice prior to the next Policy Anniversary. The adjustment in Cost of Insurance,if any, will aim to reflect Our claim experience, cost of medical treatment, medical inflation and advancement in medical technology.This list is not exhaustive and the Cost of Insurance rates may also be revised under other justified circumstances. Such changes, ifany, shall be applicable to all Policy Owners irrespective of their policy duration and claim experience.

(vii) In the event the actual daily charge for Hospital Room & Board is below the initial Room & Board Benefit's daily entitlement, fiftypercent (50%) of the balance ("Unutilised Benefit") shall be payable provided that:a) the total Unutilised Benefit amount payable for each period of Hospital confinement shall not be less than RM50; andb) the total Unutilised Benefit amount payable for each Policy Year shall not exceed RM5,000.

(viii) We shall review the claims experience for this Supplementary Contract every three (3) years commencing from the Issue Date of thisSupplementary Contract ("Review"). If no claim is claimed or paid for the three (3) year period prior to each Review, We shallincrease the amount of the Hospital Room and Board Benefit entitlement for the period after each Review by ten percent (10%) ofthe initial amount of the Hospital Room and Board Benefit entitlement PROVIDED ALWAYS THAT the increased amount shall notexceed one hundred and fifty percent (150%) of the initial amount of the Hospital Room and Board Benefit entitlement as per theIssue Date of this Supplementary Contract.

(ix) If the Life Assured elects to or is referred by the attending Physician to be treated outside Malaysia, the benefits in respect of thetreatment shall be limited to the Reasonable and Customary Charges that are Medically Necessary for such equivalent localtreatment in Malaysia and shall exclude the cost of transport to the place of treatment.

For avoidance of doubt, if there is no equivalent local treatment in Malaysia, then the benefits in respect of any treatment outsideMalaysia shall be limited to the cost of the current available alternative treatment in Malaysia for the Life Assured's condition asrecommended by the attending Physician.

(x) No benefit whatsoever shall be payable for any medical treatment received by the Life Assured outside Malaysia apart fromSingapore and Brunei, if the Life Assured resides or travels outside Malaysia, Singapore and Brunei for more than ninety (90)consecutive days from the day the Life Assured leaves Malaysia.


6. What are the major exclusions and limitations under this Rider?(i) This Rider and its Optional Benefit shall not pay any benefit arising from or accelerated, directly or indirectly, wholly or partly by:

a) Pre-Existing Conditions.b) Specified Illnesses occurring during the first one hundred and twenty (120) days of continuous cover, whether or not caused by

Accident.c) Any medical or physical conditions arising during the Waiting Period except for Accidental Injuries.d) Surgery and/ or treatment related to plastic/ cosmetic purposes, circumcision, eye examination, glasses and refraction or

surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic, externalappliances or corrective devices such as artificial limbs, hearing aids, pacemakers and prescriptions thereof.

e) Dental conditions including dental treatment or oral surgery except as necessitated by Accidental Injuries to sound natural teethoccurring wholly during the period of cover.

f) Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilisation, venereal disease and its sequelae, AIDS(Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicablediseases requiring quarantine by law.

g) Any treatment or surgical operation for Congenital Conditions or deformities including hereditary conditions.h) Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical

or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatmentrelated to impotence or sterilisation.

i) Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, notincidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventivetreatments, preventive medicines or examinations carried out by a Physician, and treatments specifically for weight reduction orgain.

j) Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.k) War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation

in strikes, riots and civil commotion or insurrection.l) Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from

any nuclear weapons material.m) Expenses incurred for donation of any body organ by the Life Assured and costs of acquisition of the organ including all costs

incurred by the donor during organ transplant and its complications.n) Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy (other than the

Alternative Treatment specified in Reimbursement For Alternative Treatment Fees provisions) such as treatment, medicalservice or supplies, including but not limited to acupressure, reflexology, bonesetting, herbalist treatment, massage or aromatherapy or other alternative treatment.





o) Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnitycovering the Life Assured and Disabilities arising out of duties of employment or profession that is covered under a Workman'sCompensation Insurance Contract.

p) Psychotic, psychiatric, mental or nervous disorders, (including any neuroses and their physiological or psychosomaticmanifestations).

q) Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities,admission kit/pack and other ineligible non-medical items.

r) Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving,water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.

s) Private flying other than in any commercial scheduled airlines licensed to carry passengers over established routes.t) Expenses incurred for sex changes.


7. Can I cancel my Rider?If You find that this Rider is no longer appropriate, You may cancel it by giving Us a written notice.



10. Where can I get further information?Should You require additional information about medical and health insurance, please refer to the insurance info booklet on "Medical andHealth Insurance", available at all Our branches or You can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my.



11. Other similar types of cover available?Please contact Us if You wish to know any other similar types of cover that We offer.

IMPORTANT NOTE:YOU SHOULD SATISFY YOURSELF THAT THIS RIDER WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTANDTHE INSURANCE RIDER AND DISCUSS WITH THE AGENT OR CONTACT US DIRECTLY FOR MORE INFORMATION.

Other Important Notice:1. You should satisfy Yourself that this Rider will best serve Your needs and that the Cost of Insurance under this Rider is affordable.2. Insurance protection shall only be provided effective from the date of issue of the Supplementary Contract of this Rider.3. You are advised to keep the receipt as proof of payment of premiums.4. The standard time frame required for Us to issue a Policy will be six (6) working days from the submission date of the Application Form

For Life Assurance subject to full documentation received and We are satisfied that no further investigation is necessary.5. It may not be advantageous to replace an existing life insurance Policy with a new one. If You intended to do so, We recommend that You

consult Your present insurer before making a final decision.6. This plan may qualify for tax relief subject to Inland Revenue Board's approval.7. In the event that any sales and services tax, value added tax or any similar tax and any other duties, taxes, levies or imposts (collectively

"Applicable Tax") whatsoever are introduced by any authority and are payable under the laws of Malaysia in connection with any supply ofgoods and/or services made or deemed to be made under this Policy, We will be entitled to charge any Applicable Tax as allowed by thelaws of Malaysia. Such Applicable Tax payable shall be paid in addition to the applicable premiums and other charges. All provisions inthis Policy on payment of premiums and default hereof shall apply equally to the Applicable Tax.




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