Pacific Medi Major Plus Health Insurance
Arranged By
ACPG Management Sdn Bhd
+603-92863323, +6011-12239838
enquiry@acpgconsultant.com.
www.acpgconsultant.com.
Pacific Medi Major Plus Medical and Health Insurance
Premium Medical & Health Insurance Plan
(High Medical Cost Coverage)
- RM 1,000,000* (Per Disability*)
- Daily Room & Board RM 2,000*
- Unlimited Limit for ICU/CCU*
- RM 3,000,000* (Lifetime Limit*)
The Lowest Rate...
- Entry Age up to 65. Guarantee Renewal until Age 80.
Age (M/F)
Annual Premium
26 - 35 = RM 824
36 - 45 = RM 923
46 - 55 = RM 1000
56 - 60 = RM 1407
61 - 65 = RM 2084
Top Up Your 2nd Medical Policy Now !!
This is summary for training purpose only.
* Subject to terms and conditions apply and based on policy coverage.
Malaysia Insurance Services, Malaysia General Insurance, Malaysia Commercial Insurance, Malaysia Medical Insurance
Arranged by
Malaysia Largest General Insurance Risk Management Solution Provider since year 1989.
ACPG Management Sdn Bhd
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323, +6011-12239838
enquiry@acpgconsultant.com
www.acpgconsultant.com
MSIG Travel Rightplus Travel Insurance arranged by ACPG Management Sdn BhdAnthony Chin
MSIG Travel Rightplus Insurance
Arranged by
ACPG Management Sdn Bhd
www.acpgconsultant.com
+603-92863323, +6011-12239838
MSIG TravelRight Plus Travel Insurance
Why do I need Insurance?
Be it a routine business trip or vacation you and your family have been looking forward to, MSIG understands that every trip has your heart in it. That's why we go above and beyond with MSIG TravelRight Plus Insurance to keep you and your family constantly protected throughout your journey. As an additional benefit, it comes with a 24-hour worldwide travel assistance hotline that you may call for information and advice, especially in a foreign country where there may be problems with language.
Effective 11 May 2016, we have added New and Enhanced Benefits to our TravelRight Plus Insurance. For improved protection no matter where your travels take you.
Adventurous Activity Cover (New)
Travel Worldwide Assistance – Emergency Cash Advance Assistance (New)
Luggage Delay (Enhanced)
Up to RM1 million for burial and cremation combined with repatriation of mortal remains (Enhanced)
Domestic Cover – Travelling within Peninsular or East Malaysia is now part of the Annual Cover (Enhanced)
Did you know…
Frequent travellers get to save more and enjoy rewards with MSIG Annual Travel Insurance.
If you love to travel frequently, or you make regular business trips in the year, you may want to consider taking up the annual travel insurance which covers unlimited number of trips in a policy year.
3 Reasons Why You Should Take Up The Annual Travel Insurance
1. You Save on the Premium!
If you travel more than four (4) times a year, an annual policy could work better value than buying single trip cover for each holiday/business trip.
2. You Save on the Trouble on Having to Purchase Travel Insurance Before Every Trip!
There may be times when you may have to make last-minute emergency trip that is not planned for. In those instances, you don't have to worry about forgetting or being too busy to purchase your travel insurance before your trip. You can travel with peace of mind knowing that you will be constantly protected on your travels.
Another advantage of the annual travel insurance is that being an annual policy, it will avoid you the need to take out new cover every time you travel.
3. There is No Limit on the Number of Trips You Can Make During the Policy Year
The annual travel insurance covers you unlimited number of trips in a policy year up to 90 days for each trip. If you travel regularly for business or for leisure, it is more worthwhile for you to take up the annual policy. However, please select the appropriate area of coverage for your policy.
ACPG Management Sdn Bhd
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323, +6011-12239838
enquiry@acpgconsultant.com
www.acpgconsultant.com
The document discusses risk management in insurance, covering various topics such as the field of insurance, types of insurers, and channels of distribution. It describes how insurance can be divided into personal or property coverage, provided by government or private entities, and taken voluntarily or involuntarily. It also outlines some major life insurance, general insurance, and reinsurance companies in Malaysia.
MSIG Malaysia Bodyguard Personal Accident Insurance Plan arranged by ACPG Man...Anthony Chin
MSIG Bodyguard Personal Accident Insurance Plan
Arranged By
ACPG Management Sdn Bhd
+603-92863323, +6011-12239838
www.acpgconsultant,com
Why do I need Insurance?
We know how diffucult it can be for you to enjoy the present when you 're worried about what could happen in the future. That's where MSIG Bodyguard Insurance Plan comes in.
MSIG Bodyguard Personal Accident Insurance is a complete Personal Accident Plan that takes care of your needs in the event of unexpected hospitalisation, death or disablement.
And it looks after you anytime, anywhere.
So get the right protection today, because rainy days can sometimes be unexpected.
Bodyguard Personal Accident Insurance is a 24-hour worldwide plan that will compensate you for injuries, disability or death caused by accidental means.
This product is available to all Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia and their Dependents between 18 to 69 years of age at the date of first enrolment and may be renewed up to the maximum age of 70.
Different terms will apply for Malaysians residing outside Malaysia.
Note:
The percentage of sum assured will be payable according to the compensation
specified in the policy contract if Insured Person suffered Permanent Disablement.
Maximum indemnity payable under this policy will not exceed 100% of the sum
assured.
Classification of Occupation :-
Class I - professions and occupations involving non-manual, administrative or clerical work
solely in offices or similar non-hazardous places.
Class 2 - professions and occupations involving non-manual work with some exposure to risk
from the environment or which entail travel, occupations with mainly supervisory
duties, and may include occasional manual work.
Class 3 - professions and occupations involving manual work not of particularly hazardous
nature but in involving use of tools or machinery.
Please refer to policy contract for detailed information about Bodyguard Personal Accident
Schedule of Benefits.
Duration of cover is for one (1) year. It may be renewed on each anniversary of the Date of
Inception of the Policy by payment of the premium determined by the Company at the time of
renewal.
Insurans Perubatan MSIG, Insurans Medical MSIG,
MSIG Malaysia Medical Insurance, MSIG Accident Insurance, MSIG Personal Accident Insurance, MSIG Group Medical Insurance, MSIG Group Hospital Insurance
Arranged By
ACPG Management Sdn Bhd
158-3-7, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kuala Lumpur, Malaysia.
www.acpgconsultant.com
ACPG Careline +603-92863323, +6011-12239838 (Whatsapp)
Email : enquiry@acpgconsultant.com
Msig Malaysia All In Home Insurance arranged by ACPG Management Sdn BhdAnthony Chin
Ringkasan: Polisi Asuransi All-In-Home memberikan perlindungan komprehensif untuk kerusakan kepada isi rumah dengan satu faktor harga. Polisi ini juga meliputi perlindungan tambahan dan layanan darurat rumah 24 jam.
MSIG Golfer Insurance arranged by ACPG Management Sdn BhdAnthony Chin
MSIG Golfer Insurance
Arranged By
ACPG Management Sdn Bhd
www.acpgconsultant.com
+603-92863323, +6011-12239838
Why do I need MSIG Golfer Insurance?
Golf seems like a perfectly relaxing pastime, but accidents can happen out there on the course. It only takes an unexpected gust of wind or a nasty hook or slice to send the ball the wrong way. What if the ball hits a person? MSIG Golfer’s Insurance is a must for golfers. It pays for loss or damage of golfing equipments and protects you with a personal accident cover, legal liability to third parties for bodily injury or damage to property, plus of course, a hole-in-one award.
Why do people choose us?
My golf buddies and I were really looking forward to playing golf in Thailand after attending a business conference there. We even brought our own golf equipment from Penang. So you can imagine my disappointment when I lost my clubs, shoes, gloves at the golf course after all that effort.
(The cost of the Golf Bag with the various clubs is RM3,500. What about the shoes, the balls and the gloves? The total cost for the loss is definitely much higher, and may even exceed RM5,000 depending on the brands of the golfing equipment).
Fortunately, my MSIG Golf Insurance policy covers loss/damage to my golfing equipment on any golf course in the world*. Story doesn’t end there. Still played using the Club’s golf set. Guess what? I experienced my first hole in one! Also covered by my MSIG Golf policy. *Only for temporary visits.
Liability: Mr Lee tees-off and the ball hits the windscreen of a parked vehicle in the vicinity belonging to Mr Seah. Mr Lee was liable for the damage and fortunately his insurance covered the cost of RM1,500 to replace the windscreen.
ACPG Management Sdn Bhd
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
http://www.acpgconsultant.com
enquiry@acpgconsultant.com
+603-92863323, +6011-12239838
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
MSIG Travel Rightplus Travel Insurance arranged by ACPG Management Sdn BhdAnthony Chin
MSIG Travel Rightplus Insurance
Arranged by
ACPG Management Sdn Bhd
www.acpgconsultant.com
+603-92863323, +6011-12239838
MSIG TravelRight Plus Travel Insurance
Why do I need Insurance?
Be it a routine business trip or vacation you and your family have been looking forward to, MSIG understands that every trip has your heart in it. That's why we go above and beyond with MSIG TravelRight Plus Insurance to keep you and your family constantly protected throughout your journey. As an additional benefit, it comes with a 24-hour worldwide travel assistance hotline that you may call for information and advice, especially in a foreign country where there may be problems with language.
Effective 11 May 2016, we have added New and Enhanced Benefits to our TravelRight Plus Insurance. For improved protection no matter where your travels take you.
Adventurous Activity Cover (New)
Travel Worldwide Assistance – Emergency Cash Advance Assistance (New)
Luggage Delay (Enhanced)
Up to RM1 million for burial and cremation combined with repatriation of mortal remains (Enhanced)
Domestic Cover – Travelling within Peninsular or East Malaysia is now part of the Annual Cover (Enhanced)
Did you know…
Frequent travellers get to save more and enjoy rewards with MSIG Annual Travel Insurance.
If you love to travel frequently, or you make regular business trips in the year, you may want to consider taking up the annual travel insurance which covers unlimited number of trips in a policy year.
3 Reasons Why You Should Take Up The Annual Travel Insurance
1. You Save on the Premium!
If you travel more than four (4) times a year, an annual policy could work better value than buying single trip cover for each holiday/business trip.
2. You Save on the Trouble on Having to Purchase Travel Insurance Before Every Trip!
There may be times when you may have to make last-minute emergency trip that is not planned for. In those instances, you don't have to worry about forgetting or being too busy to purchase your travel insurance before your trip. You can travel with peace of mind knowing that you will be constantly protected on your travels.
Another advantage of the annual travel insurance is that being an annual policy, it will avoid you the need to take out new cover every time you travel.
3. There is No Limit on the Number of Trips You Can Make During the Policy Year
The annual travel insurance covers you unlimited number of trips in a policy year up to 90 days for each trip. If you travel regularly for business or for leisure, it is more worthwhile for you to take up the annual policy. However, please select the appropriate area of coverage for your policy.
ACPG Management Sdn Bhd
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323, +6011-12239838
enquiry@acpgconsultant.com
www.acpgconsultant.com
The document discusses risk management in insurance, covering various topics such as the field of insurance, types of insurers, and channels of distribution. It describes how insurance can be divided into personal or property coverage, provided by government or private entities, and taken voluntarily or involuntarily. It also outlines some major life insurance, general insurance, and reinsurance companies in Malaysia.
MSIG Malaysia Bodyguard Personal Accident Insurance Plan arranged by ACPG Man...Anthony Chin
MSIG Bodyguard Personal Accident Insurance Plan
Arranged By
ACPG Management Sdn Bhd
+603-92863323, +6011-12239838
www.acpgconsultant,com
Why do I need Insurance?
We know how diffucult it can be for you to enjoy the present when you 're worried about what could happen in the future. That's where MSIG Bodyguard Insurance Plan comes in.
MSIG Bodyguard Personal Accident Insurance is a complete Personal Accident Plan that takes care of your needs in the event of unexpected hospitalisation, death or disablement.
And it looks after you anytime, anywhere.
So get the right protection today, because rainy days can sometimes be unexpected.
Bodyguard Personal Accident Insurance is a 24-hour worldwide plan that will compensate you for injuries, disability or death caused by accidental means.
This product is available to all Malaysians, Permanent Residents, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia and their Dependents between 18 to 69 years of age at the date of first enrolment and may be renewed up to the maximum age of 70.
Different terms will apply for Malaysians residing outside Malaysia.
Note:
The percentage of sum assured will be payable according to the compensation
specified in the policy contract if Insured Person suffered Permanent Disablement.
Maximum indemnity payable under this policy will not exceed 100% of the sum
assured.
Classification of Occupation :-
Class I - professions and occupations involving non-manual, administrative or clerical work
solely in offices or similar non-hazardous places.
Class 2 - professions and occupations involving non-manual work with some exposure to risk
from the environment or which entail travel, occupations with mainly supervisory
duties, and may include occasional manual work.
Class 3 - professions and occupations involving manual work not of particularly hazardous
nature but in involving use of tools or machinery.
Please refer to policy contract for detailed information about Bodyguard Personal Accident
Schedule of Benefits.
Duration of cover is for one (1) year. It may be renewed on each anniversary of the Date of
Inception of the Policy by payment of the premium determined by the Company at the time of
renewal.
Insurans Perubatan MSIG, Insurans Medical MSIG,
MSIG Malaysia Medical Insurance, MSIG Accident Insurance, MSIG Personal Accident Insurance, MSIG Group Medical Insurance, MSIG Group Hospital Insurance
Arranged By
ACPG Management Sdn Bhd
158-3-7, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kuala Lumpur, Malaysia.
www.acpgconsultant.com
ACPG Careline +603-92863323, +6011-12239838 (Whatsapp)
Email : enquiry@acpgconsultant.com
Msig Malaysia All In Home Insurance arranged by ACPG Management Sdn BhdAnthony Chin
Ringkasan: Polisi Asuransi All-In-Home memberikan perlindungan komprehensif untuk kerusakan kepada isi rumah dengan satu faktor harga. Polisi ini juga meliputi perlindungan tambahan dan layanan darurat rumah 24 jam.
MSIG Golfer Insurance arranged by ACPG Management Sdn BhdAnthony Chin
MSIG Golfer Insurance
Arranged By
ACPG Management Sdn Bhd
www.acpgconsultant.com
+603-92863323, +6011-12239838
Why do I need MSIG Golfer Insurance?
Golf seems like a perfectly relaxing pastime, but accidents can happen out there on the course. It only takes an unexpected gust of wind or a nasty hook or slice to send the ball the wrong way. What if the ball hits a person? MSIG Golfer’s Insurance is a must for golfers. It pays for loss or damage of golfing equipments and protects you with a personal accident cover, legal liability to third parties for bodily injury or damage to property, plus of course, a hole-in-one award.
Why do people choose us?
My golf buddies and I were really looking forward to playing golf in Thailand after attending a business conference there. We even brought our own golf equipment from Penang. So you can imagine my disappointment when I lost my clubs, shoes, gloves at the golf course after all that effort.
(The cost of the Golf Bag with the various clubs is RM3,500. What about the shoes, the balls and the gloves? The total cost for the loss is definitely much higher, and may even exceed RM5,000 depending on the brands of the golfing equipment).
Fortunately, my MSIG Golf Insurance policy covers loss/damage to my golfing equipment on any golf course in the world*. Story doesn’t end there. Still played using the Club’s golf set. Guess what? I experienced my first hole in one! Also covered by my MSIG Golf policy. *Only for temporary visits.
Liability: Mr Lee tees-off and the ball hits the windscreen of a parked vehicle in the vicinity belonging to Mr Seah. Mr Lee was liable for the damage and fortunately his insurance covered the cost of RM1,500 to replace the windscreen.
ACPG Management Sdn Bhd
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
http://www.acpgconsultant.com
enquiry@acpgconsultant.com
+603-92863323, +6011-12239838
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Unlocking the Power of ChatGPT and AI in Testing - A Real-World Look, present...Applitools
During this webinar, Anand Bagmar demonstrates how AI tools such as ChatGPT can be applied to various stages of the software development life cycle (SDLC) using an eCommerce application case study. Find the on-demand recording and more info at https://applitools.info/b59
Key takeaways:
• Learn how to use ChatGPT to add AI power to your testing and test automation
• Understand the limitations of the technology and where human expertise is crucial
• Gain insight into different AI-based tools
• Adopt AI-based tools to stay relevant and optimize work for developers and testers
* ChatGPT and OpenAI belong to OpenAI, L.L.C.
The document discusses various AI tools from OpenAI like GPT-3 and DALL-E 2, as well as ChatGPT. It explores how search engines are using AI and things to consider around AI-generated content. Potential SEO uses of ChatGPT are also presented, such as generating content at scale, conducting topic research, and automating basic coding tasks. The document encourages further reading on using ChatGPT for SEO purposes.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Unlocking the Power of ChatGPT and AI in Testing - A Real-World Look, present...Applitools
During this webinar, Anand Bagmar demonstrates how AI tools such as ChatGPT can be applied to various stages of the software development life cycle (SDLC) using an eCommerce application case study. Find the on-demand recording and more info at https://applitools.info/b59
Key takeaways:
• Learn how to use ChatGPT to add AI power to your testing and test automation
• Understand the limitations of the technology and where human expertise is crucial
• Gain insight into different AI-based tools
• Adopt AI-based tools to stay relevant and optimize work for developers and testers
* ChatGPT and OpenAI belong to OpenAI, L.L.C.
The document discusses various AI tools from OpenAI like GPT-3 and DALL-E 2, as well as ChatGPT. It explores how search engines are using AI and things to consider around AI-generated content. Potential SEO uses of ChatGPT are also presented, such as generating content at scale, conducting topic research, and automating basic coding tasks. The document encourages further reading on using ChatGPT for SEO purposes.
Pacific Medi Major Plus Health Insurance arranged by ACPG Management Sdn Bhd
1.
2. HOW MUCH MEDICAL INSURANCE IS ENOUGH FOR YOU AND YOUR FAMILY?
It is undeniable that serious illnesses and life-threatening diseases are on the rise. With PACIFIC Medi-
Major Plus, you can top up your protection and be prepared for any major medical treatment at a very
affordable price. PACIFIC Medi-Major Plus is an excess major medical insurance policy and acts as an
insurance of last resort to take care of the shortfall after you have exhausted all other avenues of
compensation from other medical insurances.
THE ADVANTAGES
• Comprehensive Coverage – PACIFIC Medi-Major Plus (“policy”) provides for necessary medical
treatment based on reasonable and customary charges at the locality where treatment is received.
• Renewal up to Age Eighty (80) next Birthday – The policy is renewable annually at the option of the
policyholder. The Pacific Insurance Berhad (“Company”) cannot refuse the renewal of the policy or
impose new exclusions for renewal. However, the product may be withdrawn from the market in
accordance with the Portfolio Withdrawal Condition.
• Portfolio Pricing of Premium – Premium is not guaranteed and is subject to change. However,
increase in premium will be on a portfolio basis. This means that policyholders who have claimed on the
policy will not be singled out to pay more premium than others.
• Unisex Premium Rates – Premiums are age-banded but there is no distinction between male and
female premium rates.
• Out-Patient Cancer Treatment – The policy covers radiotherapy or chemotherapy treatment (excluding
consultation, examination tests and take home drugs), subject to its Maximum Limit as indicated in the
Schedule of Benefits.
• Out-Patient Kidney Dialysis – The policy covers kidney dialysis treatment (excluding consultation,
examination tests and take home drugs), subject to its Maximum Limit as indicated in the Schedule of
Benefits.
• Affordable Premium – With a reasonable deductible per disability, the premium is made affordable for
everyone.
• Hospital Admission Assist for approved panel of hospitals from the age of sixty-one (61) years –
convenient claims.
CHOICE OF PLAN
PACIFIC Medi-Major Plus offers four (4) plans at affordable premiums.
PREMIUM PAYABLE
The premium payable is based on the age of next birthday and is paid annually at the rate applicable during
renewal. The premium published in the Brochure is for standard life only and premium loading may be
charged to non-standard life. Annual premium rate is not guaranteed and may be subject to change.
EASY APPLICATION
Application is simple. Everyone from the ages of nineteen (19) to sixty-five (65) years may apply for
PACIFIC Medi-Major Plus. The policy may be extended to your dependant children between the ages of
thirty (30) days and nineteen (19) years [up to twenty-three (23) years if full-time student].
WHAT IS NOT COVERED
The policy does not cover pre-existing disabilities and other exclusions contained in the policy. Medical
treatment received by an insured person outside Malaysia is not covered if the insured person resides or
travels outside Malaysia for more than ninety (90) consecutive days prior to treatment overseas.
COOLING-OFF PERIOD
If the policy shall have been issued and for any reason whatsoever the insured person shall decide not to
take up the policy, the insured person may return the policy to the Company for cancellation provided such
request for cancellation is delivered by the insured person to the Company within fifteen (15) days from the
date of delivery of the policy. The insured person is entitled to the return of the full premium paid less
deduction of medical expenses incurred by the Company in the issue of the policy.
This brochure is not a contract of insurance. Specific details of coverage are set out in the
policy. Please refer to the Product Disclosure Sheet for details on the Terms of Issue and Major
Limitations.
3. PRODUCT DISCLOSURE SHEET
Please read this Product Disclosure Sheet before you decide to take up the following product. Be sure to
also read the general terms and conditions of the policy.
1. What is this product about?
This policy is an excess major medical insurance product and provides a “Top-Up” cover to other medical
hospitalisation and surgical insurance policies. It is a policy of last resort which will only make payment
after all avenues of compensation from other medical insurance policies have been fully utilised. This
product also provides Hospital Admission Assist for insured persons from the age of sixty-one (61) years.
2. What are the covers or benefits provided?
Duration of cover is for one year. Once your application has been accepted, The Pacific Insurance Berhad
(“Company”) would not change the terms and conditions at the subsequent renewals. You have the option
to renew the policy subject to the terms and conditions of the policy.
SCHEDULE OF BENEFITS (Ringgit Malaysia)
SECTION A PLAN A PLAN B PLAN C PLAN D
1. Hospital Room and Board, daily maximum incurred
during policy period
2,000 1,500 1,000 500
2. Medical Treatment Expenses comprising
• Intensive Care Unit, daily maximum incurred
during policy period
• Hospital Supplies and Services
• Surgical Fees, including post-surgery care
incurred during policy period
• Anaesthetist Fee
• Operating Theatre
• Pre-Hospital Specialist Consultation, within 31
days prior to admission
• Pre-Hospital Diagnostic Tests, within 31 days
prior to admission
• In-Hospital Physician Visit, daily maximum
incurred during policy period
• Post-Hospitalisation Treatment, incurred during
policy period
• Ambulance Fees
• Nursing at Home
• Organ Transplant
As Charged
(subject to reasonable and customary charges)
SECTION B
1. Out-Patient Cancer Treatment, per disability 240,000 180,000 120,000 60,000
2. Out-Patient Kidney Dialysis Treatment, per disability 240,000 180,000 120,000 60,000
MAXIMUM LIMIT (SECTION A AND B)
(a) Per Disability 1,000,000 750,000 500,000 200,000
(b) Overall Annual Limit 1,000,000 750,000 500,000 200,000
(c) Per Lifetime 3,000,000 2,250,000 1,500,000 600,000
Deductible Per Disability 40,000 30,000 20,000 10,000
SECTION C
Hospital Admission Assist Applicable from the age of 61 years
4. 3. What is the additional benefit provided?
From the age of sixty-one (61) years, the policyholder is entitled to Hospital Admission Assist. With
Hospital Admission Assist, the insured person shall be entitled to seek treatment at the Company’s
approved panel of hospitals. The Company through its Third Party Administrator shall assist the
policyholder to provide the Letter of Guarantee where possible when the insured person is treated in the
Company’s approved panel of hospitals.
4. How much premium do I have to pay?
The premium payable is based on age at next birthday but a premium loading may apply depending on
underwriting requirements of the Company. The premium for standard risks are as follows:
SCHEDULE OF ANNUAL PREMIUM (Ringgit Malaysia) INCLUSIVE OF GOODS AND SERVICES TAX (GST)
Age Next Birthday Plan A Plan B Plan C Plan D
30 days - 18 years 650.85 610.55 487.60 407.05
19 years - 25 years 729.30 683.70 546.95 455.80
26 years - 35 years 862.85 809.85 647.65 539.55
36 years - 45 years 967.80 907.35 726.10 604.20
46 years - 55 years 1,049.40 983.70 787.60 656.15
56 years - 60 years 1,480.80 1,388.60 1,110.90 925.40
61 years - 65 years 2,198.45 2,063.80 1,662.10 1,393.90
66 years - 70 years (renewal only) 3,215.00 3,016.75 2,424.20 2,028.85
71 years - 75 years (renewal only) 3,635.80 3,412.15 2,740.10 2,292.80
76 years - 80 years (renewal only) 4,886.60 4,584.50 3,678.20 3,074.00
Terms Of Payment: Cash Before Cover
The renewal premium is not guaranteed and the Company reserves the right to revise the premium rate
applicable at the time of renewal. Such changes, if any shall be applicable to all policyholders irrespective
of their claims experience according to the Company’s risk assessment.
5. Apart from the premium, what other fees and charges that I have to pay?
Commission paid to the insurance agent (included in Gross Premium) 15% of Gross Premium
Stamp Duty RM10.00
6. What are some of the key terms and conditions that I should be aware of?
Importance of Disclosure
Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for this
Insurance wholly for yourself/family/dependants, you have a duty to take reasonable care not to make a
misrepresentation in answering the questions in the Proposal Form (or when you apply for this insurance).
You must answer the questions fully and accurately. Failure to take reasonable care in answering the
questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s),
change of terms or termination of your contract of insurance. The above duty of disclosure shall continue
until the time your contract of insurance is entered into, varied or renewed with us. In addition to
answering the questions in the Proposal Form (or when you apply for this insurance), you are required to
disclose any other matter that you know to be relevant to our decision in accepting the risks and
determining the rates and terms to be applied. You also have a duty to tell us immediately if at any time
after your contract of insurance has been entered into, varied or renewed with us any of the information
given in the Proposal Form (or when you applied for this insurance) is inaccurate or has changed.
5. Deductible Per Disability
This is the amount of expenses you will bear for each disability. Only the amount exceeding this
deductible (and all other avenues of compensation from other medical insurance policies) will be payable
by this policy. If the amounts claimed from all other policies exceed the deductible per disability, it shall be
deemed that the deductible per disability has been applied.
Cooling-Off Period
If the policy shall have been issued and for any reason whatsoever the insured person shall decide not to
take up the policy, the insured person may return the policy to the Company for cancellation provided
such request for cancellation is delivered by the insured person to the Company within fifteen (15) days
from the date of delivery of the policy. The insured person is entitled to the return of the full premium paid
less deduction of medical expenses incurred by the Company in the issue of the policy.
Qualifying or Waiting Period
The eligibility for benefits under the policy will only start thirty (30) days after the effective date of the
policy except for accident. Unless renewed, the coverage will cease on the expiry date and the Company
shall strictly not be liable for any expenses that take place after the expiry date.
Upgraded Room and Board Co-Payment
You will have to pay 20% of the eligible expenses if you are hospitalised at a published room and board
rate which is higher than what you are entitled to.
Renewal up to Age Eighty (80) next Birthday
The policy is renewable at the option of the policyholder. The Company cannot refuse renewal of the
policy or impose new exclusions for renewal. However the product may be withdrawn from the market in
accordance with the Portfolio Withdrawal Condition.
Upgrading Insured Plan
Application for upgrading of plan can only be made on renewal and is subject to underwriting and
acceptance by the Company upon renewal.
7. Can I choose to be treated overseas?
The policy provides protection whilst you travel or reside overseas for not more than ninety (90)
consecutive days. However no benefit shall be payable if your intention is to seek treatment overseas
when treatment is available locally except where it is due to a medical emergency or upon
recommendation of a physician for the need to be transferred to a hospital outside Malaysia because of
the specialised nature of treatment, aid, information or decision which cannot be rendered, furnished or
taken in Malaysia.
Overseas treatment of a disease, sickness or injury which is diagnosed in Malaysia and non-emergency
or chronic conditions where treatment can reasonably be postponed until return to Malaysia is not
covered.
You may request for your policy to be extended to cover elective treatment in Singapore and Brunei by
paying a premium loading as imposed by the Company.
8. What are the major exclusions under this policy?
Pre-existing illness shall mean disabilities that the insured person has reasonable knowledge of. A policy
owner may be considered to have reasonable knowledge of a pre-existing condition where the condition
is one for which:
(a) the insured person had received or is receiving treatment;
(b) medical advice, diagnosis, care or treatment has been recommended;
(c) clear and distinct symptoms are or were evident; or
(d) its existence would have been apparent to a reasonable person in the circumstances.
6. Any medical or physical conditions arising within the first thirty (30) days of the insured person’s cover or
date of reinstatement whichever is latest except for accidental injuries.
Care or treatment for which payment is not required or to the extent which is payable by any other
insurance or indemnity covering the insured and disabilities arising out of duties of employment or
profession that is covered under a Workman's Compensation Insurance Contract.
Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of
nearsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances
or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof.
Dental conditions including dental treatment or oral surgery except as necessitated by accidental injuries
to sound natural teeth occurring wholly during the period of insurance.
Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and
its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV
related diseases and any communicable diseases requiring quarantine by law.
Any treatment or surgical operation for congenital abnormalities or deformities including hereditary
conditions.
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 treatment related to impotence or sterilization.
Psychotic, mental or nervous disorders (including any neuroses and their physiological or psychosomatic
manifestations).
Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or
medical examinations, not incidental to treatment or diagnosis of a covered disability or any treatment
which is not medically necessary and any preventive treatments, preventive medicines or examinations
carried out by a physician, and treatments specifically for weight reduction or gain.
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.
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.
Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.
Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to
carry passengers over established routes.
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.
Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of
nuclear fission or from any nuclear weapons material.
Expenses incurred for donation of any body organ by an insured person and costs of acquisition of the
organ including all costs incurred by the donor during organ transplant and its complications.
Expenses incurred for sex change.
7. Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative
therapy such as treatment, medical service or supplies, including but not limited to chiropractic services,
acupuncture, acupressure, reflexology, bone-setting, herbalist treatment, massage or aromatherapy or
other alternative treatment.
This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under
this policy.
9. Can I cancel my policy?
You may cancel your policy by giving a written notice to the Company. Upon cancellation, you are entitled
to a certain amount of refund of the premium provided that you have not made a claim on the policy.
Period Refund of Annual Premium
Not exceeding 15 days 90% (applicable to renewal only)
Not exceeding 1 month 80%
Not exceeding 2 months 70%
Not exceeding 3 months 60%
Not exceeding 4 months 50%
Not exceeding 5 months 40%
Not exceeding 6 months 30%
Not exceeding 7 months 25%
Not exceeding 8 months 20%
Not exceeding 9 months 15%
Not exceeding 10 months 10%
Not exceeding 11 months 5%
Exceeding 11 months No refund of Premium
10. How do I make a claim?
There are two (2) claim methods:
1. For admission to non-panel hospitals
Pay first and file your claim with the Company by submitting the following supporting claim documents:
i. completed claim form
ii. original medical report
iii. original hospital invoices or medical bills and original official receipts. If the original bills and
receipts have been used for other insurance claim or payment by employer, certified true copies of
the bills and receipts are acceptable
iv. referral letter from the general practitioner, if any
v. any other evidence or claim documents
vi. e-Payment Authorisation Form
2. For admission to the Company’s panel of hospitals
The insured person is issued with a Hospital Admission Assist card to facilitate hospital admission. For
hospital admission assistance, just call the 24-hour alarm centre telephone number 03-7628 3992 or
03-7965 3992.
8. 11. What do I need to do if there are changes in my contact or personal details?
It is important that you inform the Company of any changes in your contact or personal details to ensure
that all correspondences reach you in a timely manner.
12. What other types of Medical and Health Insurance cover are available from The Pacific
Insurance Berhad?
Other types of medical insurance covers are available which include but is not limited to:
(a) Pacific Medi-Pac
(b) Pacific Medi-Care
(c) Pacific Medi-Major
(d) Pacific Medi-Help
13. Where can I get further information?
Should you require additional information about medical and health insurance, please refer to the
insuranceinfo booklet on ‘Medical & Health Insurance’, available at any of the Company’s branches or
visit www.insuranceinfo.com.my. If you have any other enquiries, please contact:
The Pacific Insurance Bhd
40-01, Q Sentral, 2A Jalan Stesen Sentral 2,
Kuala Lumpur Sentral, 50470 Kuala Lumpur, Malaysia.
(P.O. Box 12490, 50780 Kuala Lumpur, Malaysia.)
Tel: +603-2633 8999 Fax: +603-2633 8998 Toll-Free Line: 1-800-88-1629
Email: customerservice@pacificinsurance.com.my
Website: www.pacificinsurance.com.my
IMPORTANT NOTE:
YOU SHOULD SATISFY YOURSELF THAT THIS POLICY WILL BEST SERVE YOUR NEEDS AND
THAT THE PREMIUM PAYABLE UNDER THE POLICY IS AN AMOUNT THAT YOU CAN AFFORD. YOU
SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE
INSURANCE AGENT OR CONTACT THE PACIFIC INSURANCE BERHAD DIRECTLY FOR MORE
INFORMATION.
The information provided in this disclosure sheet is valid as at 14 December 2015. In the event of
inconsistencies between the English and Bahasa Malaysia versions, the English version shall
prevail.
9. BERAPAKAH INSURANS PERUBATAN YANG MEMADAI BAGI ANDA DAN KELUARGA ANDA?
Tidak dinafikan bahawa penyakit serius dan mengancam nyawa semakin meningkat. Dengan PACIFIC Medi-Major
Plus anda boleh menambah perlindungan dan bersedia untuk sebarang rawatan perubatan yang besar pada kos
yang berpatutan. PACIFIC Medi-Major Plus ialah insurans perubatan utama berlebihan dan bertindak sebagai
sumber insurans yang terakhir dan akan menanggung kekurangan selepas anda kehabisan kesemua pampasan dari
sumber insurans perubatan lain.
KELEBIHAN
• Perlindungan Komprehensif – PACIFIC Medi-Major Plus (”polisi”) memberi rawatan perubatan yang
diperlukan berdasarkan kepada caj yang munasabah dan biasa diamalkan di lokasi di mana anda menerima
rawatan.
• Pembaharuan sehingga Umur Lapan Puluh (80) pada Harijadi berikutnya – Polisi diperbaharui di atas
pilihan pemegang polisi. The Pacific Insurance Berhad (“Syarikat”) tidak boleh menolak pembaharuan polisi
atau tidak boleh menambah pengecualian baru di dalam polisi pada masa pembaharuan.
Walaubagaimanapun, produk ini boleh ditarik balik dari pasaran mengikut Syarat Penarikan Balik Portfolio.
• Premium Harga Kelompok – Premium adalah tidak dijamin dan tertakluk kepada perubahan.
Walaubagaimanapun, sebarang kenaikan dalam premium adalah pada dasar portfolio. Ini bermakna bahawa
pemegang polisi yang telah membuat tuntutan ke atas polisi tidak akan dikenakan premium yang lebih
daripada mereka yang lain.
• Kadar Premium Uniseks – Premium dikira mengikut umur tetapi tidak ada perbezaan di antara kadar
premium untuk lelaki dan wanita.
• Rawatan Kanser Pesakit Luar – Polisi ini menampung kos rawatan radioterapi dan kemoterapi (kecuali kos
rundingan, ujian pemeriksaan dan ubat-ubatan yang dibawa pulang), tertakluk kepada Had Maksimum seperti
yang tertera dalam Jadual Manfaat.
• Rawatan Dialisis Buah Pinggang Pesakit Luar – Polisi ini menampung kos rawatan dialisis buah pinggang
(kecuali kos rundingan, ujian pemeriksaan dan ubat-ubatan yang dibawa pulang), tertakluk kepada Had
Maksimum seperti yang tertera dalam Jadual Manfaat.
• Premium Yang Anda Mampu – Dengan pemotongan yang berpatutan pada setiap hilang upaya, premium
yang berpatutan disediakan untuk semua.
• Bantuan Kemasukan Hospital bagi panel hospital yang diluluskan dari umur enam puluh satu (61) tahun –
untuk kemudahan tuntutan.
PILIHAN PELAN
PACIFIC Medi-Major Plus menawarkan empat (4) pelan pada premium yang berpatutan.
BAYARAN PREMIUM
Bayaran premium berdasarkan umur pada harijadi yang akan datang dan dibayar setiap tahun pada kadar yang
ditentukan semasa pembaharuan. Premium yang diterbitkan di dalam Risalah adalah untuk orang yang sihat
sahaja dan premium tambahan mungkin dikenakan kepada orang yang kurang sihat. Kadar premium tahunan
adalah tidak dijamin dan tertakluk kepada perubahan.
PERMOHONAN YANG MUDAH
Permohonan adalah sangat mudah. Sesiapa yang berumur di antara sembilan belas (19) tahun hingga enam
puluh lima (65) tahun layak memohon PACIFIC Medi-Major Plus. Polisi ini boleh dilanjutkan kepada anak-anak
tanggungan anda yang berumur dari tiga puluh (30) hari hingga sembilan belas (19) tahun [sehingga umur dua
puluh tiga (23) tahun jika pelajar sepenuh masa].
PERKARA YANG TIDAK DILINDUNGI
Polisi tidak melindungi hilang upaya yang sedia ada dan lain-lain pengecualian yang dinyatakan di dalam polisi.
Rawatan perubatan yang diterima oleh orang yang diinsuranskan di luar Malaysia tidak dilindungi sekiranya
orang yang diinsuranskan tinggal atau membuat perjalanan di luar Malaysia lebih daripada sembilan puluh (90)
hari berturut-turut sebelum rawatan di luar negara.
TEMPOH BERTENANG
Jika polisi ini telah dikeluarkan dan atas apa-apa alasan, orang yang diinsuranskan membuat keputusan untuk
tidak mengambil polisi itu, orang yang diinsuranskan itu boleh mengembalikan polisi itu kepada Syarikat untuk
pembatalan dengan syarat permohonan untuk pembatalan diserahkan oleh orang yang diinsuranskan kepada
Syarikat dalam tempoh lima belas (15) hari dari tarikh penyerahan polisi. Orang yang diinsuranskan itu layak
menerima pulangan penuh premium yang telah dibayar tolak belanja perubatan yang ditanggung oleh Syarikat
untuk mengeluarkan polisi tersebut.
Risalah ini bukan kontrak insurans. Maklumat lanjut mengenai perlindungan terdapat di dalam polisi. Sila
rujuk Risalah Pemberitahuan Produk untuk maklumat lanjut mengenai Syarat-syarat Pengeluaran dan
Pengecualian Utama.
10. RISALAH PEMBERITAHUAN PRODUK
Sila baca Risalah Pemberitahuan Produk ini sebelum anda membuat keputusan mengambil produk berikut.
Pastikan anda membaca terma dan syarat-syarat am polisi.
1. Apakah tentang produk ini?
Polisi ini adalah produk insurans perubatan utama berlebihan dan memberi perlindungan ‘Tambahan’
kepada polisi insurans perubatan penghospitalan dan pembedahan yang lain. Ia adalah polisi yang
terakhir yang hanya akan membuat bayaran setelah menghabiskan semua cara lain mendapatkan
pampasan dari insurans perubatan lain. Produk ini juga memberi Bantuan Kemasukan Hospital untuk
orang yang diinsuranskan dari umur enam puluh (61) tahun.
2. Apakah perlindungan atau manfaat yang diberikan?
Tempoh perlindungan adalah selama satu tahun. Setelah permohonan anda diterima, The Pacific Insurance
Berhad (“Syarikat”) tidak akan mengubah terma dan syarat pada pembaharuan berikutnya. Anda mempunyai
pilihan untuk memperbaharui polisi tertakluk kepada terma-terma dan syarat-syarat polisi.
JADUAL MANFAAT (Ringgit Malaysia)
SEKSYEN A PELAN A PELAN B PELAN C PELAN D
1. Bilik Hospital Dan Makan, maksimum harian dalam
tempoh polisi
2,000 1,500 1,000 500
2. Perbelanjaan Rawatan Perubatan terdiri daripada
• Unit Rawatan Rapi, maksimum harian yang
ditanggung dalam tempoh polisi
• Bekalan dan Khidmat Hospital
• Bayaran Pembedahan, termasuk penjagaan
selepas pembedahan dalam tempoh polisi
• Bayaran Pakar Bius
• Bilik Bedah
• Rundingan Pakar Pra-hospital, dalam jangka
masa 31 hari sebelum kemasukan
• Ujian Diagnostik Pra-hospital, dalam jangka
masa 31 hari sebelum kemasukan
• Lawatan Pakar Perubatan Dalam Hospital,
maksimum harian yang ditanggung dalam
tempoh polisi
• Rawatan Selepas Penghospitalan, dalam tempoh
polisi
• Bayaran Ambulans
• Penjagaan Di Rumah
• Transplan Organ
Seperti Yang Dicaj
(tertakluk kepada bayaran yang munasabah dan
biasa diamalkan)
SEKSYEN B
1. Rawatan Kanser Pesakit Luar, bagi setiap hilang
upaya
240,000 180,000 120,000 60,000
2. Rawatan Dialisis Buah Pinggang Pesakit Luar, bagi
setiap hilang upaya
240,000 180,000 120,000 60,000
HAD MAKSIMUM (SEKSYEN A DAN B)
(a) Setiap Hilang Upaya 1,000,000 750,000 500,000 200,000
(b) Had Tahunan Keseluruhan 1,000,000 750,000 500,000 200,000
(c) Setiap Jangka Hayat 3,000,000 2,250,000 1,500,000 600,000
Deduktibel Setiap Hilang Upaya 40,000 30,000 20,000 10,000
SEKSYEN C
Bantuan Kemasukan Hospital Layak dari umur 61 tahun
11. 3. Apakah manfaat tambahan yang diberikan?
Dari umur enam puluh satu (61) tahun, pemegang polisi layak untuk mendapatkan Bantuan Kemasukan
Hospital. Dengan Bantuan Kemasukan Hospital, orang yang diinsuranskan berhak untuk mendapatkan
rawatan di panel hospital yang diluluskan oleh Syarikat. Syarikat ini melalui Pentadbir Pihak Ketiga akan
membantu pemegang polisi untuk menyediakan Surat Jaminan di mana mungkin apabila orang yang
diinsuranskan dirawat di panel hospital yang diluluskan oleh Syarikat.
4. Berapa premium yang harus saya bayar?
Premium dibayar adalah berdasarkan umur pada ulang tahun berikutnya tetapi premium beban mungkin
dikenakan bergantung kepada keperluan pengunderaitan Syarikat. Premium bagi risiko standard adalah
seperti berikut:
JADUAL PREMIUM TAHUNAN (Ringgit Malaysia) TERMASUK CUKAI BARANG DAN
PERKHIDMATAN (CBP)
Umur Pada Harijadi Berikut Pelan A Pelan B Pelan C Pelan D
30 hari - 18 tahun 650.85 610.55 487.60 407.05
19 tahun - 25 tahun 729.30 683.70 546.95 455.80
26 tahun - 35 tahun 862.85 809.85 647.65 539.55
36 tahun - 45 tahun 967.80 907.35 726.10 604.20
46 tahun - 55 tahun 1,049.40 983.70 787.60 656.15
56 tahun - 60 tahun 1,480.80 1,388.60 1,110.90 925.40
61 tahun - 65 tahun 2,198.45 2,063.80 1,662.10 1,393.90
66 tahun - 70 tahun (pembaharuan sahaja) 3,215.00 3,016.75 2,424.20 2,028.85
71 tahun - 75 tahun (pembaharuan sahaja) 3,635.80 3,412.15 2,740.10 2,292.80
76 tahun - 80 tahun (pembaharuan sahaja) 4,886.60 4,584.50 3,678.20 3,074.00
Terma Pembayaran: Tunai Sebelum Lindung
Premium pembaharuan tidak dijamin dan Syarikat berhak menyemak semula kadar premium yang
dikenakan pada masa pembaharuan. Perubahan tersebut, jika ada, akan terpakai kepada semua
pemegang polisi tanpa mengambil kira pengalaman tuntutan mereka sesuai dengan penilaian risiko
Syarikat.
5. Selain daripada premium, apakah kos dan caj lain yang harus saya bayar?
Komisen yang dibayar kepada agen (termasuk di dalam Premium
Kasar)
Duti Setem
15% daripada Premium Kasar
RM10.00
12. 6. Apakah diantara terma dan syarat-syarat penting yang patut saya ketahui?
Pentingnya Pendedahan
Menurut Perenggan 5 daripada Jadual 9 Akta Perkhidmatan Kewangan 2013, jika anda memohon
insurans ini sepenuhnya untuk diri sendiri/keluarga/tanggungan, anda mempunyai kewajipan untuk
mengambil langkah yang munasabah untuk tidak salah nyata dalam menjawab soalan-soalan dalam
Borang Cadangan (atau semasa memohon insurans ini). Anda dikehendaki menjawab soalan-soalan
tersebut dengan lengkap dan tepat. Kegagalan untuk mengambil langkah yang munasabah dalam
menjawab soalan-soalan, mungkin mengakibatkan pembatalan kontrak insurans anda, keengganan atau
pengurangan gantirugi, perubahan terma atau penamatan kontrak insurans anda. Kewajipan pendedahan
diatas hendaklah diteruskan sehingga kontrak insurans anda dimeterai, diubah atau diperbaharui dengan
kami. Sebagai tambahan kepada soalan-soalan di dalam Borang Cadangan (atau semasa memohon
insurans ini), anda dikehendaki untuk mendedahkan apa-apa perkara lain yang anda tahu akan
mempengaruhi keputusan kami dalam menerima risiko dan menentukan kadar dan terma yang
dikenakan. Anda juga mempunyai kewajipan untuk memberitahu kami dengan serta-merta jika pada bila-
bila masa selepas kontrak insurans anda ditandatangani, diubah atau diperbaharui dengan kami (atau
semasa permohonan insurans ini), apa-apa maklumat yang dinyatakan dalam Borang Cadangan tidak
tepat atau sudah berubah.
Deduktibel Setiap Hilang Upaya
Ini merujuk kepada amaun belanja yang anda akan tanggung bagi setiap hilang upaya. Hanya amaun
yang melebihi deduktibel ini (dan semua cara lain mendapatkan pampasan daripada polisi insurans
perubatan lain) akan dibayar melalui polisi ini. Jika jumlah yang dituntut daripada kesemua polisi lain
melebihi deduktibel setiap hilang upaya, ianya dianggap deduktibel setiap hilang upaya telah digunakan.
Tempoh Bertenang
Jika polisi ini telah dikeluarkan dan atas apa-apa alasan orang yang diinsuranskan membuat keputusan
untuk tidak mengambil polisi itu, orang yang diinsuranskan itu boleh mengembalikan polisi itu kepada
Syarikat untuk pembatalan dengan syarat permohonan untuk pembatalan diserahkan oleh orang yang
diinsuranskan kepada Syarikat dalam tempoh lima belas (15) hari dari tarikh penyerahan polisi. Orang
yang diinsuranskan itu layak menerima pulangan penuh premium yang telah dibayar tolak belanja
perubatan yang ditanggung oleh Syarikat untuk mengeluarkan polisi tersebut.
Tempoh Layak atau Tempoh Tangguh
Kelayakan untuk manfaat dibawah polisi ini akan mula tiga puluh (30) hari selepas tarikh berkuatkuasa
polisi, kecuali untuk kemalangan. Kecuali dibaharui, perlindungan ini akan tamat pada tarikh tamat
tempoh dan Syarikat akan sangat tidak akan bertanggungjawab atas setiap perbelanjaan yang berlaku
selepas tarikh tamat tempoh.
Bayaran Bersama Bilik dan Makan Dinaikkan
Anda akan perlu membayar 20% daripada kos yang layak jika anda dirawat di hospital dengan bilik dan
makanan pada kadar yang diumumkan yang lebih tinggi daripada manfaat yang anda layak.
Pembaharuan sehingga Umur Lapan Puluh (80) pada Harijadi berikutnya
Polisi ini boleh diperbaharui mengikut pilihan pemegang polisi. Syarikat tidak boleh menolak
pembaharuan polisi atau mengenakan pengecualian baru untuk pembaharuan. Namun, produk boleh
ditarik balik dari pasaran menurut Syarat Penarikan Balik Portfolio.
Pelan Perlindungan Ditingkatkan
Permohonan untuk menaikkan ke pelan yang lebih tinggi hanya boleh dilakukan pada pembaharuan dan
tertakluk kepada pengunderaitan dan penerimaan oleh Syarikat pada pembaharuan.
13. 7. Bolehkan saya memilih untuk dirawat di luar negeri?
Polisi ini memberi perlindungan semasa di dalam perjalanan atau semasa tinggal di luar negeri tidak
melebihi sembilan puluh (90) hari berturut-turut. Namun tiada manfaat akan dibayar jika niat anda adalah
untuk mencari rawatan di luar negeri sedangkan rawatan boleh diperolehi di tempatan kecuali di tempat
itu kerana keadaan kecemasan perubatan atau atas cadangan daripada seorang pakar perubatan perlu
dipindahkan ke hospital di luar Malaysia kerana sifat khas perubatan, bantuan, maklumat atau keputusan
yang tidak dapat diberikan atau disediakan atau diambil di Malaysia.
Rawatan di luar negeri bagi sesuatu penyakit atau kecederaan yang didiagnosis di Malaysia dan keadaan
bukan kecemasan atau kronik di mana rawatan boleh ditunda sampai kembali ke Malaysia tidak
dilindungi.
Anda boleh memohon untuk memperluaskan polisi anda bagi merangkumi rawatan elektif di Singapura
dan Brunei dengan membayar premium beban seperti yang dikenakan oleh Syarikat.
8. Apakah pengecualian penting dibawah polisi ini?
Penyakit sedia ada hendaklah bermaksud hilang upaya yang diketahui sewajarnya oleh orang yang
diinsuranskan. Pemilik polisi dianggap mengetahui sewajarnya keadaan sedia ada itu apabila:
(a) orang yang diinsuranskan telah atau sedang menerima rawatan;
(b) nasihat perubatan, diagnosis, jagaan atau rawatan telah disyorkan;
(c) gejala yang jelas dan tepat dapat atau telah dilihat dengan nyata; atau
(d) kewujudannya dapat diperhatikan dengan jelas bagi orang yang mengalami keadaan itu.
Apa-apa keadaan perubatan atau fizikal yang berlaku dalam tempoh tiga puluh (30) hari pertama
perlindungan atau tarikh pengembalian semula bagi orang yang diinsuranskan mengikut mana-mana
yang terakhir kecuali untuk kecederaan akibat kemalangan.
Jagaan atau rawatan yang pembayarannya tidak dikehendaki atau setakat yang ia dibayar oleh mana-
mana insurans lain atau tanggung rugi yang melindungi orang yang diinsuranskan dan hilang upaya yang
timbul daripada tugas dalam pekerjaan atau kerjaya yang dilindungi di bawah Kontrak Insurans
Pampasan Pekerja.
Pembedahan plastik/kosmetik, khatan, pemeriksaan mata, cermin mata dan pembetulan penglihatan
dekat melalui pembiasan atau pembedahan (Keratotomi Radial atau Lasik) dan penggunaan atau
pemerolehan perkakas atau alat prostetik seperti anggota tiruan, alat pendengaran, perentak yang
diimplankan dan preskripsinya.
Penyakit pergigian termasuk rawatan pergigian atau pembedahan oral kecuali apabila diperlukan kerana
kecederaan akibat kemalangan pada gigi asli yang sihat yang berlaku sepenuhnya dalam tempoh
insurans.
Penjagaan peribadi, rehat pulih atau jagaan kebersihan, dadah yang tidak dibenarkan, intoksikasi,
pensterilan, penyakit venereal dan sekuelanya, AIDS (Sindrom Kurang Daya Tahan Penyakit) atau ARC
(Kompleks Berkaitan AIDS) dan penyakit berkaitan HIV dan apa-apa penyakit berjangkit yang
memerlukan kuarantin oleh undang-undang.
Apa-apa rawatan atau operasi pembedahan untuk keabnormalan atau kecacatan kongenital termasuk
penyakit keturunan.
Kehamilan, melahirkan anak (termasuk kelahiran secara pembedahan), keguguran, menggugurkan
kandungan dan jagaan serta pembedahan pranatal atau postnatum, kaedah kawalan kelahiran
kontraseptif mekanikal atau kimia atau rawatan berkaitan ketaksuburan, disfungsi erektil dan ujian atau
rawatan berkaitan impoten atau pensterilan.
Psikotik, gangguan mental atau saraf (termasuk apa-apa neurosis dan manifestasi fisiologi atau
psikosomatiknya).
14. Penghospitalan terutamanya untuk tujuan penyiasatan, diagnosis, pemeriksaan sinar-X, pemeriksaan fizikal
atau perubatan am, tidak berkaitan dengan rawatan atau diagnosis hilang upaya yang dilindungi yang tidak perlu
dari segi perubatan dan apa-apa rawatan pencegahan, ubat atau pemeriksaan pencegahan yang dijalankan
oleh pakar perubatan, dan rawatan khusus untuk mengurangkan atau menaikkan berat badan.
Kos/belanja bagi khidmat yang bersifat bukan perubatan, seperti televisyen, telefon, khidmat teleks, radio
atau kemudahan yang serupa, kit/pek kemasukan dan barang bukan perubatan lain yang tidak layak.
Sakit atau kecederaan yang timbul daripada apa-apa jenis perlumbaan (kecuali perlumbaan jalan kaki),
sukan berbahaya seperti tetapi tidak terhad kepada terjun di udara, luncur air, aktiviti dalam air yang
memerlukan alat pernafasan, sukan musim sejuk, sukan profesional dan aktiviti yang tidak dibenarkan.
Bunuh diri, percubaan bunuh diri atau kecederaan diri sendiri yang disengajakan ketika siuman atau tidak
siuman.
Penerbangan peribadi selain sebagai penumpang yang membayar tambang dalam mana-mana
penerbangan komersil berjadual untuk mengangkut penumpang melalui laluan yang ditetapkan.
Perang atau apa-apa tindakan perang, diisytiharkan atau tidak diisytiharkan, aktiviti jenayah atau
pengganas, bergiat cergas dalam mana-mana angkatan bersenjata, penyertaan secara langsung dalam
mogok, rusuhan dan kekecohan awam atau penderhakaan tentera.
Radiasi pengionan atau pencemaran melalui radioaktiviti daripada mana-mana bahan api nuklear atau
sisa nuklear daripada proses pembelahan nuklear atau daripada apa-apa bahan senjata nuklear.
Belanja yang ditanggung untuk menderma mana-mana organ tubuh oleh orang yang diinsuranskan dan
kos pemerolehan organ termasuk semua kos yang ditanggung oleh penderma ketika transplan organ dan
komplikasinya.
Belanja yang ditanggung untuk menukar jantina.
Penyiasatan dan rawatan gangguan tidur dan dengkur, terapi penggantian hormon dan terapi pilihan
seperti rawatan, khidmat atau bekalan perubatan, termasuk tetapi tidak terhad kepada khidmat
kiropraktik, akupunktur, akutekanan, refleksologi, pengikatan tulang, rawatan pakar herba, urut atau
aromaterapi atau rawatan pilihan yang lain.
Senarai ini tidak menyeluruh. Sila rujuk kepada kontrak polisi untuk senarai penuh pengecualian
di bawah polisi ini.
9. Bolehkah saya membatalkan polisi?
Anda boleh membatalkan polisi anda dengan memberikan notis bertulis kepada Syarikat. Selepas
pembatalan, anda berhak mendapatkan sejumlah bayaran balik premium dengan syarat anda tidak
membuat tuntutan keatas polisi.
Tempoh Pembayaran Balik Premium Tahunan
Tidak melebihi 15 hari 90% (hanya terpakai untuk pembaharuan sahaja)
Tidak melebihi 1 bulan 80%
Tidak melebihi 2 bulan 70%
Tidak melebihi 3 bulan 60%
Tidak melebihi 4 bulan 50%
Tidak melebihi 5 bulan 40%
Tidak melebihi 6 bulan 30%
Tidak melebihi 7 bulan 25%
Tidak melebihi 8 bulan 20%
Tidak melebihi 9 bulan 15%
Tidak melebihi 10 bulan 10%
Tidak melebihi 11 bulan 5%
Melebihi 11 bulan Tiada bayaran balik Premium
15. 10. Bagaimana saya membuat tuntutan?
Ada 2 cara tuntutan:
1. Untuk kemasukan di hospital bukan panel
Bayar dulu dan failkan tuntutan anda kepada Syarikat dengan menyerahkan dokumen sokongan
tuntutan berikut:
i. borang tuntutan yang lengkap
ii. laporan perubatan yang asal
iii. invois hospital atau bil perubatan yang asal dan resit rasmi yang asal. Sekiranya bil dan resit yang
asal telah digunakan untuk tuntutan insurans lain atau bayaran oleh majikan, salinan bil dan resit
yang disahkan benar diterima
iv. surat rujukan dari pengamal perubatan, jika ada
v. apa-apa lain bukti atau dokumen tuntutan
vi. Borang Kebenaran e-Bayaran
2. Untuk kemasukan di hospital panel Syarikat
Orang yang diinsuranskan dibekalkan dengan kad Hospital Admission Assist untuk memudahkan
kemasukan ke hospital. Untuk bantuan kemasukan hospital, hanya telepon pusat kecemasan 24-jam
di talian 03-7628 3992 atau 03-7965 3992.
11. Apa yang perlu saya buat jika ada perubahan dalam alamat atau butiran peribadi?
Adalah penting bahawa anda memberitahu Syarikat tentang segala perubahan dalam alamat atau butiran
peribadi anda untuk memastikan bahawa semua surat-menyurat anda tiba pada waktu yang tepat.
12. Apakah jenis perlindungan Insurans Perubatan dan Kesihatan lain yang terdapat di The Pacific
Insurance Berhad?
Jenis perlindungan insurans perubatan lain yang ada termasuk tetapi tidak terhad kepada:
(a) Pacific Medi-Pac
(b) Pacific Medi-Care
(c) Pacific Medi-Major
(d) Pacific Medi-Help
13. Di mana saya boleh mendapatkan maklumat lanjut?
Sekiranya anda memerlukan maklumat tambahan mengenai insurans perubatan dan kesihatan, sila rujuk
kepada buku insuransinfo mengenai ‘Insurans Perubatan dan Kesihatan’, yang boleh didapati di mana-
mana cawangan Syarikat atau lawati www.insuranceinfo.com.my. Jika anda mempunyai sebarang
pertanyaan lain, sila hubungi:
The Pacific Insurance Bhd
40-01, Q Sentral, 2A Jalan Stesen Sentral 2,
Kuala Lumpur Sentral, 50470 Kuala Lumpur, Malaysia.
(P.O. Box 12490, 50780 Kuala Lumpur, Malaysia.)
Tel: +603-2633 8999 Faks: +603-2633 8998 Talian Bebas Tol: 1-800-88-1629
Emel: customerservice@pacificinsurance.com.my
Lamanweb: www.pacificinsurance.com.my
NOTA PENTING:
ANDA PERLU MEYAKINKAN DIRI ANDA BAHAWA POLISI INI DAPAT MEMENUHI KEPERLUAN
ANDA DENGAN SEBAIKNYA SERTA BAYARAN PREMIUM DI BAWAH POLISI INI MAMPU
DITANGGUNGI ANDA. ANDA PERLU MEMBACA DAN MEMAHAMI POLISI INSURANS INI DAN
BERBINCANG DENGAN AGEN INSURANS ATAU BERHUBUNG TERUS DENGAN THE PACIFIC
INSURANCE BERHAD UNTUK MAKLUMAT LEBIH LANJUT.
Informasi yang disediakan di dalam risalah pemberitahuan produk ini sah berkuatkuasa dari tarikh
14 Disember 2015. Jika terdapat percanggahan antara versi Bahasa Inggeris dan Bahasa Malaysia,
versi Bahasa Inggeris akan digunakan.
16. The Pacific Insurance Berhad (91603-K)
(Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia /
Dilesenkan dibawah Akta Perkhidmatan Kewangan 2013 dan dikawal oleh Bank Negara Malaysia)
40-01, Q Sentral, 2A Jalan Stesen Sentral 2, Kuala Lumpur Sentral, 50470 Kuala Lumpur, Malaysia.
(P.O. Box 12490, 50780 Kuala Lumpur, Malaysia.)
Tel: +603-2633 8999 Fax: +603-2633 8998 Toll-Free Line: 1-800-88-1629
Website: www.pacificinsurance.com.my Email: customerservice@pacificinsurance.com.my
Alor Setar Kuching
No. 38, 1st Floor, Jalan Putra 1st Floor, Lot 212, Section 51
05100 Alor Setar, Kedah Ban Hock Road
Tel: 04-732 4377 Fax: 04-731 5869 93100 Kuching, Sarawak
Tel: 082-418 727 Fax: 082-426 011
Ipoh
No. 12B, 2nd Floor, Persiaran Greentown 1 Melaka
Pusat Perdagangan Greentown 624 & 624A, Jalan Melaka Raya 10
30450 Ipoh, Perak Taman Melaka Raya
Tel: 05-241 9933 Fax: 05-241 9393 75000 Melaka
Tel: 06-284 5235 Fax: 06-284 5528
Johor Bahru
Suite 4.3 Level 04, Menara Pelangi Penang
Jalan Kuning, Taman Pelangi Suite 6.04, Menara Boustead
80400 Johor Bahru, Johor Jalan Sultan Ahmad Shah
Tel: 07-331 8741 Fax: 07-332 2079 10050 Georgetown, Penang
Tel: 04-228 1531 Fax: 04-228 1529
Klang
46, Ground Floor, Jalan Batu Unjur 1 Petaling Jaya
Bayu Perdana Wisma MCIS, Basement 1
41200 Klang, Selangor Tower 2, Jalan Barat
Tel: 03-3324 5776 Fax: 03-3324 5773 46200 Petaling Jaya, Selangor
Tel: 03-7453 8282 Fax: 03-7453 8181
Kota Kinabalu
No. 8, 2nd Floor, Jalan Pantai Petaling Jaya – SS2
88000 Kota Kinabalu, Sabah 70A Jalan SS 2/67
Tel: 088-233 292 Fax: 088-232 195 47300 Petaling Jaya, Selangor
Tel: 03-7877 5111 Fax: 03-7877 2171
Kuala Lumpur
305, Tingkat 2, Medan Tuanku Seremban
Jalan Tuanku Abdul Rahman No 63, Jalan Era Square 4, Era Square
50100 Kuala Lumpur 70200 Seremban, Negeri Sembilan
Tel: 03-2691 2589 Fax: 03-2691 2630 Tel: 06-767 5066 Fax: 06-767 5068
Kuantan Taiping
1st Floor, B36 Lorong Tun Ismail 11 31 Jalan Medan Taiping 2
Jalan Tun Ismail 1 Medan Taiping
25000 Kuantan, Pahang 34000 Taiping, Perak
Tel: 09-514 2882 Fax: 09-514 2953 Tel: 05-806 3388 Fax: 05-806 2666
Personal Data Protection Act 2010 (“PDPA”) Notification to customers of The Pacific Insurance
Berhad (“TPIB”)
Under the PDPA, there are various requirements that regulate the processing of your personal data. Please
refer to www.pacificinsurance.com.my for details of TPIB PDPA privacy notice.
Akta Perlindungan Data Peribadi 2010 ("APDP") Pemberitahuan kepada pelanggan The Pacific
Insurance Berhad ("TPIB")
Dibawah APDP, terdapat pelbagai syarat yang mengawal pemprosesan data peribadi. Sila rujuk di
www.pacificinsurance.com.my untuk maklumat terperinci notis privasi TPIB APDP.