ING Medical Insurance @ Age 85

Fulfilling Your Total Healthcare Needs
Imagine having a medical plan that guarantees hospital admission and takes care of your medical bills upon discharge at our panel hospitals. This is what the ING MediPlus¹ (IMPlus) Insurance can do for you. With absolute convenience and hassle free hospitalization, you now have the comfort and peace of mind to focus on what is more important-your health.
With ING MediPlus Insurance, you are covered worldwide 24 hours a day. You need not worry about funding for healthcare costs or it being a burden on yourself and your loved ones. It is designed to give you maximum protection, flexibility and convenience at minimum cost. All you have to do is select from a choice of three IMPlus plans that suit your needs and let it work for you.

**A deductible amount of RM50 is payable by the policyholder. This deduction is applicable per hospital admission/Day Surgery.

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Great News! ING I CASH MAX (iicm)

6 Years Limited Premium 20 Years Endowment

CLOSE ON 24 OCT 2011

A new traditional life endowment plan, ING I-Cash Max (IICM) will be officially introduced on 23rd August 2011. This is a close ended product with limited sales period until October 2011! So please don’t miss out on this opportunity!

Here is the summary of features and benefits of IICM:

- Fixed premium paying term of 6 years and policy duration of 20 years;

- Endowment participating plan with coverage on death and TPD;

- Additional 100% sum insured if death or TPD occurs as a result of an accident;

- Interim Cash Payment (ICP) of 4%of the sum insured starting from the end of Policy Year 1 until the end of Policy Year 6;

- Interim Cash Payment (ICP) of 6%of the sum insured starting from the end of Policy Year 7 until the end of Policy Year 12;

- Interim Cash Payment (ICP) of 8%of the sum insured starting from the end of Policy Year 13 until the end of Policy Year 20;

- Annual Cash Dividends starting from the end of Policy Year 1;

- Maturity benefit at the end of Policy Year 20

RHB CAR & WC

Contractor’s All Risk Insurance

Contractor’s All Risk Insurance provides comprehensive coverage to all works to be executed in accordance with the contractor’s contract, temporary works, material, construction plant and equipment brought into the site and liabilities arising out of the performance of the contract. The policy covers against accidental and unforeseen physical loss or damage to the property insured occurring during the period of insurance.

Under the material damage section of the policy, any sudden and unforeseen physical loss or damage caused by fire, lightning, explosion, flood, inundation, windstorm of any kind, earthquake, theft, burglary, bad workmanship, negligence, lack of skill, lack of experience, malicious acts or human error, or any other sudden and unforeseen event such as loss or damage due to collapse, foreign objects and on-site transport of items to be constructed are covered.

The liability section of the policy provides indemnity in respect of third party liability which the insured shall become legally liable to pay as damages consequent upon :

Accidental bodily injury to or illness of third parties; or
Accidental loss of or damage to property belonging to third parties
Occurring in direct connection with the construction of the contract works and happening at or in the immediate vicinity of the construction site.

Workmen’s Compensation Insurance

Specially designed to meet requirements of compensation as spelt out in the Workmen’s Compensation Act 1952. All employers are legally obligated to insure workmen against accidents at work or occupational illness.

Foreign Workers Compensation Scheme

Foreign Workers Compensation Scheme (FWCS) was created to protect the interest and welfare of all foreign workers in Malaysia. This scheme provides for the payment of compensation benefits to a foreign worker, who possesses valid employment documents, for death or injuries sustained due to accident arising out of or in the course of employment.

RHB Insurance Berhad is one of the panel insurance companies appointed and approved by the Ministry of Human Resources to underwrite the FWCS. Under Section 26 of the Workmen’s Compensation (Amendment) Act 1996, it is mandatory for employers to insure all the foreign workers employed by them under the FWCS.

Machinery Breakdown Insurance

Machinery Breakdown Insurance is arranged to provide coverage for all plant, machinery and mechanical equipment whether at work, at rest or during maintenance operations against sudden and unforeseen electrical and mechanical breakdown and accidental damage from extraneous causes.

Such damages may be caused by faulty design, construction or erection, defects in casting and material, bad workmanship, faulty operation, lack of skill, malicious acts, negligence, physical explosion, short circuit and other causes not specifically excluded under the policy.

Erection All Risk Insurance

Erection All Risk Insurance offers comprehensive protection against all the risks involved in the erection of plant and machinery as well as third party claims in respect of property damage or bodily injury arising in connection with the execution of an erection project. Coverage may also be extended beyond the erection period to include all testing and commissioning works.

The material damage section provides cover against any sudden and unforeseen physical loss or damage occurring to the property insured on the erection site during the period of insurance will be indemnified.

This liability section of the policy provides indemnity in respect of third party liabilities which the insured shall become legally liable to pay as damages consequent upon :

Accidental bodily injury to or illness of third parties; or
Accidental loss of or damage to property belonging to third parties
Occurring in direct connection with the construction of the contract works and happening at or in the immediate vicinity of the construction site.

Boilers & Pressure Vessels Insurance

Boilers & Pressure Vessels Insurance is designed to cover loss or damage as a result of explosion or collapse of boilers and other pressure vessels caused by the force of internal steam or fluid pressure.

Apart from damage to the boilers and pressure vessels, the policy also covers for damage to surrounding property and legal liability of the Insured for any death, bodily injury or damage to third party properties.

Electronic Equipment Insurance

Electronic Equipment Insurance is specially designed to cover all electronic equipment such as computers, including external data media, against loss or damage due to sudden and unforeseen causes provided such causes are not specifically excluded in the policy.

The policy also covers mechanical and electrical breakdown of the equipment caused by mechanical or electrical deficiencies, faulty material, faulty design, implosion, short-circuiting, over voltage, lightning-included traveling waves, magnetic fields or electrostatic inductions. The policies comprises 3 sections as follows :

Section 1 (Material Damage)
Covers all hardware installation including peripheral equipment and accessories against any unforeseen and sudden physical loss or damage from any causes other than those specifically excluded

Section 2 (External Data Media)
Covers the Data Media such as disks, tapes external to the computer system. Coverage is the same as Section 1 and it applies while the Insured data media are kept on the premises

Section 3 (Increased Cost of Working)
Provides indemnity for increased cost of working following a material loss or damage. If the material damage indemnifiable under Section 1 gives rise to a total or partial interruption of operation of the insured Information Technologies (IT) equipment, the cost of hiring another computer to maintain the insured’s business operations is payable under this Section. This substitute IT system must not be a subject matter of insurance under the policy. The policy pays the agreed indemnification per day and not exceeding the sum insured in any one period of the insurance.

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

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

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DISCLAIMER

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Premium Direct Debit From Your Bank Account

At ING, we always strive to make the complexities of life easier. That’s why Bank Account Direct Debit allows you to pay your life insurance premium on time and without hassle. Discover how much easier your life could be. Sign up now to get your Mystery Gift* & stand a chance to win Lucky Draw Prizes*.

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*Terms and conditions apply.