How would you and your company like to attract, motivate, and retain your employees? We can provide your employees with a range of employee benefits tailored to meet their needs and offered to them at very low prices.
Experts agreed that a loyal staff means increased productivity and loyalty. The successful companies of today focus on building strong relationship with their employees.
We in AIA have specially designed an accidental coverage plan, named Cash Guaranteed Plan at low premium for all your employees. The plan will covers not only Accidental Death, but also Accident Medical Reimbursement and Accident Hospital Income. Furthermore, Cash Guaranteed Plan offers Guaranteed Monthly Living Benefits up to 15 years for insured suffers permanent total dismemberment.
We are offering you the opportunity to offer these employee benefits to your employees at no cost to you while you earn the praise and we do the work.
Our 24-hour Cash Guaranteed Plan provides a worldwide protection against all forms of accidental risks, whether at home, leisure or participating in any forms of sports or games.
With only 50 cents a day, you get peace of mind whether you are at work, at home, on holiday or anywhere in the world.
The AIA’s Cash Guaranteed Plan offers lump sum payment upon accident with medical reimbursement benefit. In addition to the lump sum benefits, Cash Guaranteed Plan guarantees a monthly income of up to RM2,000 for as long as 15 years should the insured becomes disabled* after an accident. The insured’s family will receive cash of RM5,000 when the insured suffers lost of life due to an accident.
A. Benefits :
1. Accidental Death & Dismemberment (ADD)
When the Assured shall sustain any one of the following losses affected directly and independently of all other causes by accident, within 365 days after the date of the accident:
Loss of life - the Principal Sum shall be payable
(i) Dismemberment or loss as specified in the Schedule of Indemnity - the % of indemnity shall be payable
(ii) Permanent and Total Disability (PTD) and is prevented from engaging in each and every occupation or employment for compensation or profit for which one is reasonably qualified by reason of his education, training or experience, the Principal Sum shall be payable after a 12 months waiting period.
2. Monthly Living Benefits (due to accident only)
If the accidental injury shall result in the following disability within 365 days after the date of the accident, the company will pay a Monthly Living Benefit in addition to the above
3. Medical Reimbursement
When by reason of accidental injury, the Insured Person shall require treatment by a Registered Medical Practitioner; the Company shall reimburse the medical and surgical expenses incurred within 52 weeks from the date of accident, subject to limits stipulated in the Policy Contract.
4. Accident Hospital Income
Accident Hospital Income Benefit fit is payable up to 730 days upon admission to a hospital for a minimum of 6 continuous hours due to an accidental injury.
5. Compassionate Allowance (due to accident only)
In the event of accidental death, a cash payment of RM 5,000 will be payable. This amount is paid in addition to the PRINCIPAL SUM ASSURED.
B. Immediate Acceptance & Coverage
- No medical check-up is required
- This Cash Guaranteed Plan covers all income levels.
- This cover is effective upon the day AIA or its authorized
representative receives the completed and signed Cash Guaranteed Plan Enrolment Form.
C. Simple, Sensible and Affordable
To enroll in the AIA Cash Guaranteed Plan, just follow these simple steps.
- Choose the level of cover you require.
- Complete the Enrolment Form and Payroll Deduction Authority.
- Send this to AIA through your Human Resource Department.
D. General exclusions include
- Self-destruction or intentional self-inflicted injury or any such attempt while sane or insane,
- War or warlike operations , service in the armed force,
- Pregnancy or childbirth, AIDS or HIV infection, bacterial infection, any disease or sickness, medical or surgical treatment,
- Professional sports/games,
- Any pre-existing condition etc.
E. Accidental Death, Dismemberment & Loss of Sight Indemnity
When injury does not result in loss of life of the Assured within three hundred and sixty-five (365) days after the occurrence of the accident but does result in any of the following losses within said three hundred and sixty-five (365) days, the Company will pay for : -
Tuesday, June 8, 2010
And I will rise by Maya Angelou
You may write me down in history
With your bitter, twisted lies,
You may trod me in the very dirt
But still, like dust, I'll rise.
Does my sassiness upset you?
Why are you beset with gloom?
'Cause I walk like I've got oil wells
Pumping in my living room.
Just like moons and like suns,
With the certainty of tides,
Just like hopes springing high,
Still I'll rise.
Did you want to see me broken?
Bowed head and lowered eyes?
Shoulders falling down like teardrops.
Weakened by my soulful cries.
Does my haughtiness offend you?
Don't you take it awful hard
'Cause I laugh like I've got gold mines
Diggin' in my own back yard.
You may shoot me with your words,
You may cut me with your eyes,
You may kill me with your hatefulness,
But still, like air, I'll rise.
Does my sexiness upset you?
Does it come as a surprise
That I dance like I've got diamonds
At the meeting of my thighs?
Out of the huts of history's shame
I rise
Up from a past that's rooted in pain
I rise
I'm a black ocean, leaping and wide,
Welling and swelling I bear in the tide.
Leaving behind nights of terror and fear
I rise
Into a daybreak that's wondrously clear
I rise
Bringing the gifts that my ancestors gave,
I am the dream and the hope of the slave.
I rise
I rise
I rise.
With your bitter, twisted lies,
You may trod me in the very dirt
But still, like dust, I'll rise.
Does my sassiness upset you?
Why are you beset with gloom?
'Cause I walk like I've got oil wells
Pumping in my living room.
Just like moons and like suns,
With the certainty of tides,
Just like hopes springing high,
Still I'll rise.
Did you want to see me broken?
Bowed head and lowered eyes?
Shoulders falling down like teardrops.
Weakened by my soulful cries.
Does my haughtiness offend you?
Don't you take it awful hard
'Cause I laugh like I've got gold mines
Diggin' in my own back yard.
You may shoot me with your words,
You may cut me with your eyes,
You may kill me with your hatefulness,
But still, like air, I'll rise.
Does my sexiness upset you?
Does it come as a surprise
That I dance like I've got diamonds
At the meeting of my thighs?
Out of the huts of history's shame
I rise
Up from a past that's rooted in pain
I rise
I'm a black ocean, leaping and wide,
Welling and swelling I bear in the tide.
Leaving behind nights of terror and fear
I rise
Into a daybreak that's wondrously clear
I rise
Bringing the gifts that my ancestors gave,
I am the dream and the hope of the slave.
I rise
I rise
I rise.
Travel PA Plan
A comprehensive annual travel plan that protects you for unlimited journeys in a policy year,
Provides both International and Domestic Travel Benefits,
Both business and leisure trips are covered equally,
Each journey is covered to maximum of 90 days,
All leisure activities you enjoy during the journey are covered without additional costs,
The International Travel Benefits cover Accidental Injury and Sickness sustained during a journey,
Free 24 hours World Wide Travel Assistance Services,
INTERNATIONAL TRAVEL BENEFIT
1. Medical Benefits
Medical Reimbursement of reasonable and customary medical expenses for treatment of accidental injury or sickness commenced during an insured journey,
Medical Expenses Incurred for Continuation of Medical Treatment in Malaysia within 30 days upon return from overseas can also be reimbursed up to a maximum of RM15,000 and subject to the Medical Reimbursement limit,
Daily Hospital Income of RM350 a day (up to a maximum of 20 days) is provided upon admission to a hospital for continuous 24 hours due to accidental injury or sickness during a journey,
2. Emergency Medical Benefits
Contact AIAS for Medical Assistance Referral & Services if you are injured or ill stricken,
AIAS will arrange for Emergency Medical Evacuation and Repatriation upon medical necessity,
3. Accidental Death & Dismemberment Benefits
Serious accidental losses sustained during a journey including Dismemberment, Permanent Total Disability or Loss of Life are covered,
4. Staff Replacement Expenses
provides a round-journey transport ticket and reasonable additional hotel accommodation expenses for a replacement employee if you are hospitalized or repatriated during a journey to ensure your mission is not interrupted,
5. Travel Inconvenience Benefits
Journey Cancellation Benefit reimburses you the loss of travel fare and/or accommodation expenses upon cancellation of journey made within 30 days before the journey commences due to:
a)death or serious injuries/illness of you, your immediate family member or your close business partner
b)serious damage to your residence by natural disasters within a week of departure,
c)you are called for witness summons, jury service or compulsory quarantine
d)sudden outbreak of riot, strike or civil unrest at your planned destination
Journey Curtailment Benefit reimburses you the unused and non-refundable part of a curtailed journey in proportion to the non-used days if you are being hijacked: you require medical evacuation or are hospitalized, Your immediate family member sustains serious accidental injury or sickness or even dies.
Travel Delay Benefit provides RM200 for each full 6 consecutive hours delay of the common carrier you have arranged to travel, due to inclement weather, equipment failure, strike or hijack.
Baggage Related Benefits:
a) Baggage Delay
b) Loss or Damage to your baggage including Personal Laptop Computer & Golf Equipment
c) Loss of Travel Documents & Loss of Money
DOMESTIC TRAVEL BENEFITS
Protects against accidental injury sustained during a journey in Malaysia
You are also covered with Medical Reimbursement and Hospital Income Benefit for accidental injuries sustained in a journey in Malaysia
Travel inconvenience Benefit including Journey cancellation Travel Delay: Baggage Delay and Loss of Baggage are covered.
Provides both International and Domestic Travel Benefits,
Both business and leisure trips are covered equally,
Each journey is covered to maximum of 90 days,
All leisure activities you enjoy during the journey are covered without additional costs,
The International Travel Benefits cover Accidental Injury and Sickness sustained during a journey,
Free 24 hours World Wide Travel Assistance Services,
INTERNATIONAL TRAVEL BENEFIT
1. Medical Benefits
Medical Reimbursement of reasonable and customary medical expenses for treatment of accidental injury or sickness commenced during an insured journey,
Medical Expenses Incurred for Continuation of Medical Treatment in Malaysia within 30 days upon return from overseas can also be reimbursed up to a maximum of RM15,000 and subject to the Medical Reimbursement limit,
Daily Hospital Income of RM350 a day (up to a maximum of 20 days) is provided upon admission to a hospital for continuous 24 hours due to accidental injury or sickness during a journey,
2. Emergency Medical Benefits
Contact AIAS for Medical Assistance Referral & Services if you are injured or ill stricken,
AIAS will arrange for Emergency Medical Evacuation and Repatriation upon medical necessity,
3. Accidental Death & Dismemberment Benefits
Serious accidental losses sustained during a journey including Dismemberment, Permanent Total Disability or Loss of Life are covered,
4. Staff Replacement Expenses
provides a round-journey transport ticket and reasonable additional hotel accommodation expenses for a replacement employee if you are hospitalized or repatriated during a journey to ensure your mission is not interrupted,
5. Travel Inconvenience Benefits
Journey Cancellation Benefit reimburses you the loss of travel fare and/or accommodation expenses upon cancellation of journey made within 30 days before the journey commences due to:
a)death or serious injuries/illness of you, your immediate family member or your close business partner
b)serious damage to your residence by natural disasters within a week of departure,
c)you are called for witness summons, jury service or compulsory quarantine
d)sudden outbreak of riot, strike or civil unrest at your planned destination
Journey Curtailment Benefit reimburses you the unused and non-refundable part of a curtailed journey in proportion to the non-used days if you are being hijacked: you require medical evacuation or are hospitalized, Your immediate family member sustains serious accidental injury or sickness or even dies.
Travel Delay Benefit provides RM200 for each full 6 consecutive hours delay of the common carrier you have arranged to travel, due to inclement weather, equipment failure, strike or hijack.
Baggage Related Benefits:
a) Baggage Delay
b) Loss or Damage to your baggage including Personal Laptop Computer & Golf Equipment
c) Loss of Travel Documents & Loss of Money
DOMESTIC TRAVEL BENEFITS
Protects against accidental injury sustained during a journey in Malaysia
You are also covered with Medical Reimbursement and Hospital Income Benefit for accidental injuries sustained in a journey in Malaysia
Travel inconvenience Benefit including Journey cancellation Travel Delay: Baggage Delay and Loss of Baggage are covered.
Tuesday, June 1, 2010
Financial Freedom
Financial freedom does not mean you don't have to work anymore. It means you work only when you want too and not otherwise. Freedom to do things that you desire ie charity work , travelling , spend more time with family and friends , religion
In order to benefit the financial freedom that you may have or in the process of achieving it , one must protect , preserve , accumulate wealth. Thats where insurance plays a big part in the protection, preservation and accumlation of wealth.
Insurance is primarily design to protect spouse and children from financial loss due to loss of income due to death or disability.
In order to benefit the financial freedom that you may have or in the process of achieving it , one must protect , preserve , accumulate wealth. Thats where insurance plays a big part in the protection, preservation and accumlation of wealth.
Insurance is primarily design to protect spouse and children from financial loss due to loss of income due to death or disability.
Subscribe to:
Comments (Atom)
