ING i CASH EXTRA INSURANCE

We all have dreams and goals we would like to achieve and we need to take the necessary steps if we want to make sure that these goals are realized. Wouldn’t it be a disappointment for you and your family to find out too late that your lifetime goal is out of your financial reach? To avoid this, all you need to do is to take action now. ING can help you turn your dream goals into reality.

ING SMI PLAN

Small Medium Industry Insurance

Schedule of Benefits MEDICAL : BASIC – HOSPITALISATION PLAN 350 (RM) PLAN 200 (RM) PLAN 150 (RM) PLAN 80 (RM) 1. In – Hospital Care 1.1 Hospital Room & Board (i) Ordinary Room 350 200 150 80 ( up to 120 days max per disability ) (ii) Intensive Care 500 500 500 500 ( up to 20 days max per disability ) 1.2 Hospital Miscellaneous Services Full Reimbursement 1.3 Surgical Fees Full Reimbursement 1.4 Anesthetic Fees Full Reimbursement 1.5 Operating Theatre Charges Full Reimbursement 1.6 In – Hospital Physician Fees Full Reimbursement ( up to 120 days max per disability ) 1.7 Hospital Service Tax 5% 5% 5% 5% ( on eligible Room & Board charges paid ) 2. Ambulatory Care 2.1 Pre – Surgical / Medical Diagnostic Services Full Reimbursement ( within 60 days ) 2.2 Pre – Surgical / Medical Specialist Consultation Full Reimbursement ( within 60 days ) 2.3 Second Surgical Opinion Full Reimbursement 2.4 Follow – up Treatment Full Reimbursement ( up to 60 days ) 2.5 Out – Patient Accidental Treatment Full Reimbursement ( within 24 hours up to 60 days ) 2.6 Daycare Procedure Full Reimbursement 2.7 Ambulance Services Full Reimbursement 2.8 Medical Report Fee Reimbursement 80 80 80 80 3. Compassionate Allowance 5000 5000 3000 3000 OVERALL LIMIT 100 000 50 000 30 000 10 000 (max per annum) NOTE : Overall Limit – The maximum benefit payable within the policy year regardless of number of disabilities MEDICAL : OPTIONAL RIDER – OUTPATIENT CLINICAL (RM) 1. Primary Care (i) Panel GP Clinic Visit Cash Free (ii) Emergency Non-Panel Clinic Visit Full Reimbursement 2. Preventive Screening Pap Smear ( at Panel GP Clinic only ) Full Reimbursement ( max once per policy year ) 3. Specialist Care With referral from Panel GP Clinic 100 ( max limit per visit ) 4. Diagnostic Services X Ray & Laboratory Tests 250 With referral from Panel GP Clinic or Specialist ( max limit per visit ) GROUP TERM LIFE – BASIC PLAN 1 (RM) PLAN 2 (RM) PLAN 3 (RM) PLAN 4 (RM) PLAN 5 (RM) 1 Death (all causes) 100 000 80 000 60 000 40 000 20 000 2 Permanent Total Disability (all causes) 100 000 80 000 60 000 40 000 20 000 3 Permanent Partial Disability (all causes – as per Scale of Indemnity) 100 000 80 000 60 000 40 000 20 000 GROUP TERM LIFE : OPTIONAL RIDER – CRITICAL ILLNESS PLAN 1 – PLAN 5 1. Critical Illness Lump Sum payment of 50% of the Basic Sum Assured upon diagnosis of a critical illness. Full sum (100%) is payable if death/disability occurs during the remaining period MEDICAL & GROUP TERM LIFE : OPTIONAL RIDER ¨C EXECUTIVE SCREENING 1. 18 KS Screening A comprehensive and general blood & urine screening profile covering 41 test (max once per policy year) Cash Free EXCLUSIONS Medical Cosmetic surgery or treatment Experimental procedures Treatment for injuries while committing a crime or while under the influence of alcohol / narcotics Treatment for self inflicted injuries Treatment for drug abuse or alcoholism Private nursing care and house calls by doctors for any reasons Treatment and test relating to sexual dysfunction, infertility, pregnancy ( except for miscarriage due to a motor vehicle accident ), childbirth, sterilization and circumcision Sex transformation surgery and sex hormone therapy Treatment for sexually transmitted diseases, AIDS or AIDS related complex Alternative therapies such as acupuncture, chiropractic, osteopath, reflexology etc Vitamins, Food Supplements, Herbal Cures, Anti Obesity / Weight Reducing Agents including any off the counter medications Soaps, shampoos, vitamin creams and vitamin ointment Psychotic, mental, nervous disorders and behavioral conditions including neurosis, physiological or psychosomatic manifestations Treatment for congenital, hereditary diseases / deformities Diseases or disabilities of a newborn child contracted prior to or during birth or within the first 14 days hereafter Blood and topical allergy testing Routine physical examination, health check-ups Speech and Occupational Therapy Eye Refraction Supply of any material ( glasses, lens etc ) for the correction of visual acuity, except for cataract surgery or eye injury Non accidental dental treatment and / or surgery Use, acquisition or rental of external appliances such as artificial limbs, hearing aids, aero chambers, equipment for nebulising, orthopaedic pads except during hospital confinement Treatment for the exposure to ionising radiation, radioactivity contamination and from the use of atomic, biological, nuclear and chemical weapons Treatment for any sickness or injury as a result of terrorism, military, naval or air force operations, direct / indirect participation in strikes, riots and civil commotion or insurrection Illness or injury sustained during air travel except as a fare paying passenger Non-medical services provided by a hospital such as television, telephone, fax, radio etc Outpatient physical therapy or physiotherapy cannot be referred at GP level. Must be referred by Specialist and treatment must be provided by a registered physiotherapist. Member must have Hospitalisation Coverage subject to its limitations Outpatient rehabilitation therapy, chemotherapy, radiation therapy, kidney dialysis, chronic illness unless Member has Hospitalisation Coverage subject to its limitations Preventive vaccinations except for mandatory vaccinations for children EXCLUSIONS Group Term LifePermanent Total & Partial Disability (all causes) Suicide or self inflicted injuries while sane or insane or deliberate exposure to unnecessary danger Injury sustained while under the influence or narcotics or illegal drugs Injury sustained while on full-time active duty in the armed forces, naval or military Injuries sustained during participation of dangerous sports such as hunting, mountaineering, racing ( other than foot racing ), diving , parachuting etc Injury sustained during air travel, except as a fare paying passenger on a recognized airline Pregnancy which term includes abortion, miscarriage or related complications War invasion, terrorism, civil was, rebellion, revolution, insurrection, military or usurped power or direct / indirect participation in riots, strikes and civil commotion Atomic, biological and nuclear energy reactions, radiation and contamination Annual Premium Schedule (RM) – NON CASHLESS PREMIUM MEDICAL BASIC : HOSPITALISATION PLAN 350 PLAN 200 PLAN 150 PLAN 80 Employee Only 616.00 426.00 324.00 198.00 Employee & Spouse 1540.00 1065.00 810.00 495.00 Employee & Children 1540.00 855.00 650.00 395.00 Employee & Family 2464.00 1704.00 1296.00 792.00 OPTIONAL: OUTPATIENT CLINICAL Premium Per Employee / Dependent 345.00 GROUP TERM LIFE – CASHLESS PLAN Age ( Nearest Birthday) Premium Rate per RM 1000 ( PTD & PPD ) Premium Rate per RM 1000 ( PTD,PPD & CI ) Age ( Nearest Birthday) Premium Rate per RM 1000 ( PTD & PPD ) Premium Rate per RM 1000 ( PTD,PPD & CI ) 16 1.37 1.58 41 2.36 3.85 17 1.37 1.58 42 2.64 4.33 18 1.37 1.58 43 2.96 4.78 19 1.37 1.58 44 3.35 5.37 20 1.37 1.58 45 3.75 5.93 21 1.37 1.64 46 4.21 6.66 22 1.37 1.64 47 4.72 7.42 23 1.37 1.64 48 5.25 8.21 24 1.37 1.64 49 5.83 9.09 25 1.37 1.67 50 6.47 9.89 26 1.37 1.71 51 7.26 10.98 27 1.37 1.76 52 8.14 12.24 28 1.37 1.77 53 9.15 13.61 29 1.37 1.82 54 10.22 15.03 30 1.37 1.84 55 11.39 16.29 31 1.37 1.91 56 12.61 17.77 32 1.37 1.97 57 13.84 19.44 33 1.37 2.03 58 15.02 21.05 34 1.37 2.08 59 16.24 22.67 35 1.37 2.10 60 17.61 24.62 36 1.57 2.43 61 19.31 26.41 37 1.69 2.64 62 21.40 28.81 38 1.82 2.87 63 23.78 31.78 39 1.96 3.06 64 26.47 35.73 40 2.14 3.49 65 29.51 39.50 MEDICAL & GROUP TERM LIFE OPTIONAL : EXECUTIVE SCREENING Premium per Employee / Dependent 80.00 Please note that, except for for companies located in the Free Trade Zones, all business organizations are subjected to 5% Services Tax on insurance premiums which are borne by the organization. Premium rate is based on policy commencement date & individual date of birth. If difference is less than 6 months, the lower age is applicable. Otherwise, the higher age is applicable for any difference of 6 months & above. Note TD – Permanent Total Disability PPD – Permanent Partial Disability CI – Critical Illness PANEL HOSPITAL UPDATED FEB 2011 Please refer to the actual policy contract for detailed benefits, exclusions, terms and conditions Get A Quote from our Professional Agent

ING I Income Protection

ING Child Business Capital

ING I-Income can make a difference to your financial Security that lasts a lifetime

Invest into a solid financial plan today and reap the benefits of a secure future tomorrow. ING I-Income can make a difference to your financial future.

It is a plan that comes with a guarantee is yours to enjoy even up to the age of 82.

What are the benefits offered?

Insurance protection

• You will get extra protection on top of your insured amount for death4 and total permanent disability4 caused by accidents.

• Upon death, an added 25% of the initial insured amount will be given as funeral expenses.

• Covers death and total permanent disability. Coverage will be increased to 110% of the initial insured amount from 11th policy year onwards..

Guaranteed annual cash payments

• Each cash payment is 4% of the initial insured amount and is guaranteed throughout the policy duration.

• Payable yearly from the end of 10th policy year up to its maturity at age 82.

• As an example, for an initial insured amount of RM 100,000; the annual cash payment will be RM 4,000.

Dividend payments

• Annual cash dividends are payable yearly into your policy from the end of 2nd year onwards. You can either cash it out or accumulate it to earn interest with ING.

• Apart from the annual cash payments, your policy also gives you the opportunity to earn more in the form of non-guaranteed dividends.

• Meanwhile terminal dividend is payable only upon policy termination or maturity.

Conversion Privilege

• Premium duration is for 20 years.

• However if you exercise the Conversion Privilege (to convert the policy to Fully Paid-up3), the premium payment term will be shortened to 10 years.

1 Also known as Interim Cash Payment in the policy contract.

2 Terms and conditions apply.

3 All riders attached (except for CTPDB rider covering for disability) will be terminated when Conversion Privilege is exercised.

4 Coverage for accidental death is up to age 70 while accidental total permanent disability is up to age 65.

This write-up only contains a brief description of the product. It is recommended that you read the ING I-Income brochure and request for a copy of the ING Quotation System Illustration to know more about this plan. For a detailed explanation of its benefits, exclusions, terms and conditions, you are advised to refer to the policy contract.

ING Female Care Maternity – Pregnancy Complication Insurance

The answer to every woman healthcare need
Women play many different roles in today society. From the woman who celebrating her youth to the one who is at the prime of motherhood, each has a unique story with many challenges ahead of her.

ING Unit Linked Female Care and UL Female Care Plus riders are created to provide protection and security to women. Attached to the ING Prime Life Insurance plan, these funded riders cover specific female illnesses. In addition, the UL Female Care Plus rider covers maternity benefits.

For the woman who is about to start her first job or one who’s planning a family, these female riders are the perfect solution for her. It is the answer to every woman healthcare need.

BENEFITS:
• Female specific illnesses
• Includes certain early stage cancers! This includes carcinoma-in-situ
of the breast, uterus, cervix uteri, ovary, fallopian tube, vagina, vulva,
lung and colorectal.
• Facial reconstruction due to accidents
• Maternity benefits for UL Female Care Plus rider. Know more

ING Invest after 55

Lets you retire from work but not from life

Retirement should be free from daily trivia, with freedom to live our days as we please. With wise planning, we all can retire to celebrate an exciting new chapter of our lives.

If you prefer investments that are less risky, or you need diversity in your current investments or if you have not started any form of retirement planning, ING I-Retire is meant for you. This is a plan with a short premium paying duration of 20 years or up to age 60, whichever is earlier.

ING I-Retire not only gives you more flexibility to reach for the dreams you aspire but it can also aid in offering security to your family. Retirement is definitely easier with ING I-Retire.

Some of the plan’s features are option to vary premium/ sum insured, fund switching, investment top up, fund withdrawals and premium holiday.

Benefits:

• Life protection and total and permanent disability coverage – sum insured is 20 times the annual retirement income;

• Maturity benefit – the lump sum maturity benefit consists of the insured amount and non-guaranteed dividends in the form of accumulated cash dividend (if any) and terminal dividend (if any);

• Annual retirement income (appx 5.00% of sum insured) – you get to determine the amount of retirement income during policy inception, in multiples of RM 120;

• Annual cash dividends (appx 7.5% of sum insured)– the amount will be declared yearly but is not guaranteed;

• Terminal dividends – the amount is not guaranteed and will be payable upon termination or maturity of policy;

• Family income benefit – payable annually for a maximum of 20 years if death or total and permanent disability happens before or upon age 45. The number of annual payment reduces if death or disability occurs after 45, but before age 65. More details on how this works, can be found in the policy contract.

This income is described as the Interim Cash Payment in the policy contract

This write-up contains only a brief description of the product and is therefore recommended to be read together with I-Retire’s brochure. However, for a detailed explanation of its benefits, exclusions, terms and conditions, you are advised to refer to the policy contract.

Calculate Your Retirement Business Fund

ING Premier Income Plus 12 Years Limited payment period

for whole life income protection

LAST CALL – HURRY UP!!!

Enjoy a shorter premium payment period of 12 years* for INCOME & LIFE protection up to age 100

Guaranteed annual CASH PAYMENT OF 6% payable starting from end of policy year 12

Built-in Living WAIVER OF PREMIUM Benefit rider whereby future premiums will be waived in the event the life insured is diagnosed with critical illness before age 70

FUNERAL EXPENSES of 5% of sum assured or RM10,000 whichever is lower

ENGLISH

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CHINESE

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