Skim Insurans Berkelo,Pok Faedah Hospital Dan Pembedahan Untuk Staf Universiti Teknologi Mara

GROUP MEDICAL FAMILY TAKAFUL FOR UNIVERSITI TEKNOLOGI MARA STAFF YEAR 2012

SCHEDULE OF BENEFITS FOR YEAR 2012 INTRODUCTION.

Illness, accidents, disaster that befall on us or our family A. HOSPITALIZATION EXPENSES PLAN A PLAN B PLAN C PLAN D PLAN E members is unpredictable. However, we must be (RM) (RM) (RM) (RM) (RM) prepared for such misfortunes. 1. Hospital Room and Board (inclusive of Room & Bed & meal) 250 200 150 100 80 - Daily max up to 120 days per year. As Charged As Charged As Charged As Charged As Charged Syarikat Takaful Malaysia Berhad has been - Intensive Care Unit (ICU) – up to 20 days per year. As Charged As Charged As Charged As Charged As Charged appointed to manage The UiTM Group Insurance Scheme 2. Hospital Supplies and Services As Charged As Charged As Charged As Charged As Charged Hospital and Surgical Benefits for the year 2012 - 2013. 3. In Hospital Physician’s Visit (max 2 visits per day) As Charged As Charged As Charged As Charged As Charged The appointment was made to replace Syarikat eTiQa (Daily max up to 120 days per year) Insurance Berhad whose contract will end on 31 December 2011. B. SURGICAL EXPENSES As Charged As Charged As Charged As Charged As Charged 4. Surgical Fees As Charged As Charged As Charged As Charged As Charged The company is located at 20th Floor, Annex Block, 5. Anaesthetic Fees As Charged As Charged As Charged As Charged As Charged Dataran Kewangan Darul Takaful, No.4 Jalan Sultan 6. Operating Theatre Fees As Charged As Charged As Charged As Charged As Charged Sulaiman, 50000 Kuala Lumpur. 7. Second Surgical Opinion

OBJECTIVES C. PRE & POST HOSPITALIZATION EXPENSES 8. Pre- Hospital Specialist Consultant As Charged As Charged As Charged As Charged As Charged The main objective of this scheme is to enable staffs and (within 90 days prior to hospitalisation) dependants to get treatments from private hospitals 9. Pre- Hospital Diagnostic Tests As Charged As Charged As Charged As Charged As Charged without any costs, upfront payments, personal savings (within 90 days to hospitalisation) and credit cards. 10. Post-Hospital Treatment (within 31 days after discharge) As Charged As Charged As Charged As Charged As Charged

PARTICIPATION D. OTHER EXPENSES 11. Emergency Accidential Outpatient Treatment As Charged As Charged As Charged As Charged As Charged Staff participation in the scheme is voluntary and (within 24 hours after the accident) premiums are borne by the staff. They may choose 12. Emergency Accidential Dental Treatment As Charged As Charged As Charged As Charged As Charged any of the proposed scheme according to their means. 13. Day Surgery 14. Emergency Outpatient Sickness Treatment As Charged As Charged As Charged As Charged As Charged No medical examination is required. Staffs who have (between 12.00 am to 6.00 pm) pre existing diseases will be acceptable into the 15. Ambulance Fees As Charged As Charged As Charged As Charged As Charged scheme. Age does not affect the premiums. Staff who 16. Medical Report Fees 50 50 50 50 50 are currently in service with the UiTM is eligible to join 17. Malaysia Government Service Tax (6% of Reimbursable Room 6% 6% 6% 6% 6% the scheme. The premiums will be reviewed after two & Board Charges) (2) years of starting 2014. E. OVERALL ANNUAL LIMIT 50,000 40,000 35,000 20,000 16,000

PLEASE CONTACT US OTHER BENEFITS Guarantee Letter Puan Noorsiah Daud : 03-55443054 Medical Card for each members including all family members available available available available available En Kamarul Aini Hassan Basri : 03-55443059 24 hours on call services (refer medical cards) available available available available available En. Mohammad Sufian Abdul Manan : 03-55443079 Waiver of Pre Existing Conditions 30 days waiting period and 120 available available available available available En. Mohd Saffwan Muhamed : 03-55443062 days Specified Illness Condition for all existing covered members available available available available available Puan Hamidah Haji Yusof : 03-55443026 (staff & Spouse) as at 31 Dec 2011. Fax No : 03- 1,740.00 1,320.00 1,044.00 660.00 504.00 55443029/3048 ANNUAL CONTRIBUTION ( 145/month ( 110/month ( 87/month ) ( 55/month ) ( 42/month ) 03-55443086 S: STAFF ONLY (Age up to 65 Years Only) ) ) 2,100.00 1,320.00 1,008.00 3,480.00 2,640.00 ( 175/month ( 110/month ( 84/month ) Bahagian Perhubungan dan Kebajikan Staf SP: STAFF AND SPOUSE (Age Staff & Spouse up to 65 Years ( 290/month ( 220/month ) ) Jabatan Pengurusan Sumber Manusia Only) ) ) 1,392.00 Pejabat Pendaftar 2,820.00 1,860.00 ( 116/month Universiti Teknologi MARA, 4,440.00 3,456.00 (235/month ( 155/month ) SHAH ALAM SA: STAFF AND CHILDREN (Age 15 days up to 25 years old ( 370/month ( 288/month ) ) if on full time higher education, not married and not ) ) 2,220.00 working on full time basis) 4,200.00 2,904.00 ( 185/month 6,600.00 5,100.00 ( 350/month ( 242/month ) SK: STAFF AND FAMILY ( 550/month (425/month) ) ) STANDARD EXCLUSION

This Certificate does not cover any hospitalization, surgery or charges caused directly or indirectly, wholly or partly, by any one (1) of the following occurrences:

1. Pre-Existing Illness, within the first twelve (12) calendar months. (waive for existing covered staff and dependent under current insurer) 13 Investigation and treatment of sleep and snoring disorders, hormone replacement therapy . and alternative therapy such as treatment, medical service or supplies, including but not 2. Specified Illnesses occurring during the first one hundred and twenty (120) limited to chiropractic services, acupuncture, acupressure, reflexology, bone setting, days of continuous cover. (waive for existing covered staff and dependent herbalist treatment, massage or aroma therapy or other alternative treatment under current insurer) 14 Care or treatment for which payment is not required or to the extent which is payable by 3. Any medical or physical conditions arising within the first thirty (30) days of . any other Takaful/insurance or indemnity covering the Person Covered and Disabilities the Person Covered cover, except for Accidental injuries. (waive for existing arising out of duties of employment or profession that is covered under a Workman’s covered staff and dependent under current insurer) Compensation Takaful/Insurance Contract

4. Plastic/Cosmetic surgery, circumcision, eye examination, glasses and 15 Psychotic, mental or nervous disorders, (including any neuroses and their physiological or refraction or surgical correction of nearsightedness (Radial Keratotomy or psychosomatic manifestations) Lasik) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and 16 Costs/expenses of services of a non-medical nature, such as television, telephones, telex prescriptions thereof . services, radios or similar facilities, admission kit/pack, and other ineligible non-medical items. 5. Dental conditions including dental treatment or oral surgery except as necessitated by Accidental Injuries to sound natural teeth occurring wholly 17 Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports during the Period of Cover such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities 6. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (Acquired Immune 18 Private flying other than as a fare-paying passenger in any commercial scheduled airlines Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related licensed to carry passengers over established routes. diseases, and any communicable diseases required quarantine by law. Any treatment or surgical operation for congenital abnormalities or deformities 19 Expenses incurred for sex change procedures. including hereditary conditions. Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, 20 Any other causes prohibited by Shariah, subject to the discretion of the Shariah Advisory mechanical or chemical contraceptive methods of birth control or treatment Body (SAB) of the Company pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization 21 APPLICATION OF PRE EXISTING CONDITIONS, 30 DAYS WAITING PERIOD AND 120 DAYS SPECIFIED ILLNESS CONDITIONS TO ALL NEW MEMBERS ( AFTER JAN 2012) 7. Hospitalization primarily for investigatory purposes, diagnosis, X-ray FOR BOTH STAFF AND DEPENDENT examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not SPECIFIED ILLNESSES Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatments specifically for Specified illnesses shall mean the following disabilities and its related complication, weight reduction or gain. occurring within the first the first one hundred and twenty (120) days of coverage of the Person Covered; 8. Any out-patient treatment unless specifically provided under this Certificate (a) Hypertension, diabetes, mellitus and Cardiovascular Disease; 9. Suicide, attempted suicide or intentionally self-inflicted injury while sane or (b) All tumors, cancers, cysts, nodules, polyps, stone of urinary system and biliary insane. system; (c) All ear, nose (including sinuses) and throat condition; 10. War or any act of war, declared or undeclared, criminal or terrorist activities, (d) Hernias, haemorrhoids, fistulae, hydrocele, varicocele; active duty in any armed forces, direct participation in strikes, riots and civil (e) Endometriosis including disease of the female reproduction system; and commotion or insurrection. (f) Vertebro-spinal disorders (including disc) and knee conditions.

11. Ionizing radiation or contamination by radioactivity from any nuclear fuel or 22 CO-PAYMENT nuclear waste from process of nuclear fission or from any nuclear weapons material. Payment of 20% of the total cost of treatment will apply if: - Enter the ward and that the cost exceeds the eligibility 12. Expenses incurred for donation of any body organ by a Person Covered and - Order a meal that is not included in the package of care costs of acquisition of the organ including all costs incurred by the donor - Other services outside of the treatment package during organ transplant and its complications