HealthCoverCampaign benefit prototype活动福利演示工具
Quotation Workspace Live calculation实时计算

August 2026 campaign2026年8月活动

HealthCover Campaign Benefit CalculatorHealthCover 活动福利计算器

See purchased protection and complimentary campaign benefits in one clear, client-friendly view.清楚展示已购买的保障与免费活动福利，方便向客户说明。

Monthly premium每月保费RM200/month

Based on the entered proposal根据所输入的建议

HealthCover Plus23 Jun – 31 Aug 2026
HealthCover Prime10 – 31 Aug 2026
Issue deadline签发截止日期15 Oct 2026

Live benefit assessment实时福利评估

Coverage & campaign results保障与活动结果

Prepared for Sample Client为 Sample Client 准备

Male · Age 21 · Class 2 · Non-smoker

6 benefits presented项已展示福利

Purchased protection已购买保障

Your normal coverage您的基本保障

AASL BasicRM100,000
HealthCover PlusRM100,000
HealthCover Prime · Plan 1RM100,000
Waiver of Premium保费豁免RM2,400

Medical protection included已包含医疗保障

Medical Coverage - Allianz HealthAssured (UHA)医疗保障 - Allianz HealthAssured (UHA)

Flexible hospital and medical protection with the selected Cost Saving Option.配合所选节省保费选项的灵活住院与医疗保障。

Overall annual limit年度总限额RM3,000,000
Overall lifetime limit终身总限额No limit无限额
Room & board病房与膳食RM200/day
Selected cost sharing所选共同保险5% co-insurance

Coverage at a glance保障一览

Your medical benefits您的医疗福利

View benefit details查看福利详情

Hospitalisation & surgery住院与手术

Room, ICU, surgery and hospital services病房、ICU、手术及医院服务

View benefit details查看福利详情
Hospital room & board医院病房与膳食No day limit when medically necessary如属医疗必需，不限天数
RM200 per day每日 RM200
Intensive Care Unit重症监护室No day limit不限天数
As charged按实际收费
Hospital lodger陪床住宿No day limit不限天数
RM100 per day每日 RM100
Hospital, surgical & ambulance services医院、手术与救护车服务
As charged按实际收费
In-hospital physician visits住院医生巡诊
As charged · Up to 2 visits per day按实际收费 · 每日最多 2 次
Pre-hospital diagnostics & consultation住院前诊断与咨询Consultation limited to 3 visits咨询最多 3 次
Within 90 days · As charged90 天内 · 按实际收费
Organ transplant器官移植Subject to Reasonable and Customary Charges受合理及惯常收费限制
As charged按实际收费
Medical report reimbursement医疗报告费用补偿
Up to RM500 per policy year每保单年度最高 RM500

Recovery & post-hospital care康复与出院后护理

Follow-up treatment and supported recovery后续治疗及康复支持

View benefit details查看福利详情
Post-hospitalisation treatment出院后治疗
Within 180 days · As charged180 天内 · 按实际收费
Home nursing care居家护理
Up to RM10,000 per policy year每保单年度最高 RM10,000
Physiotherapy物理治疗
Up to RM6,000 per policy year每保单年度最高 RM6,000
Selected complementary treatment指定辅助治疗Includes chiropractic, chiropody, homeopathy, osteopathy and acupuncture包括脊椎治疗、足病治疗、顺势疗法、整骨及针灸
Up to RM2,000 per policy year每保单年度最高 RM2,000

Cancer & out-patient care癌症与门诊护理

Cancer, dialysis, infections and accidental care癌症、透析、感染及意外护理

View benefit details查看福利详情
Accidental out-patient treatment意外门诊治疗Includes follow-up treatment within 30 days包括 30 天内的后续治疗
Up to RM2,000 per policy year每保单年度最高 RM2,000
Out-patient kidney dialysis门诊肾透析
As charged按实际收费
Dengue or enteric fever treatment骨痛热症或肠热症治疗
As charged按实际收费
Cancer treatment & genomic care癌症治疗与基因组护理Includes eligible treatment, consultation, tests, medicines and genomic testing包括符合条件的治疗、咨询、检验、药物及基因组检测
As charged按实际收费
Cancer diagnostic imaging癌症诊断影像Includes eligible MRI and PET imaging包括符合条件的 MRI 与 PET 影像
As charged按实际收费
Intraocular lens人工晶状体Non-monofocal lens capped at RM3,000 per eye per surgery非单焦点晶状体每只眼每次手术最高 RM3,000
As charged按实际收费

Other important benefits其他重要福利

Second opinion, congenital care and bereavement第二医疗意见、先天疾病护理及身故慰问

View benefit details查看福利详情
Second medical opinion第二医疗意见
Up to RM2,000 per policy year每保单年度最高 RM2,000
Congenital conditions先天性疾病Not applicable before age 1717 岁前不适用
After age 17 · As charged17 岁后 · 按实际收费
Bereavement Benefit身故慰问金Subject to the policy's suicide clause受保单自杀条款限制
RM50,000RM50,000
Your cost-sharing guide您的共同保险指南RM1,000 per policy year每保单年度

20% COI discount upon sign-up投保即享20% COI折扣

Co-insurance does not apply to以下项目不适用共同保险

Emergency Treatment, including Accident CasesOut-Patient Cancer Treatment BenefitOut-Patient Kidney Dialysis BenefitTreatment received at a Government Healthcare Facility

Illustrative summary only. Refer to the Product Disclosure Sheet and Sales Illustration for complete terms.仅供说明。完整条款请参阅产品披露说明书及销售说明书。

Complimentary campaign additions免费活动附加福利

Additional campaign benefits available可获得的额外活动福利

Updates automatically

HealthCover Plus campaignHealthCover Plus 活动

Complimentary Catch All Booster免费 Catch All Booster

✅

RM35,000

One-off / non-renewing / 一次性 / 不续期

Cash benefit for an eligible continuous ICU admission, even without a critical illness trigger.符合条件的连续入住深切治疗部可获现金福利，即使没有严重疾病触发。

Policy must be issued by 15 October 2026.
Key conditions主要条件
  • ICU admission must continue for at least five days.
  • The insured must survive at least 14 days from the first ICU admission day.
  • This complimentary campaign benefit does not renew at Basic Policy renewal.
  • 保单必须在2026年10月15日前签发。

HealthCover Plus campaignHealthCover Plus 活动

Complimentary Loyalty Bonus免费忠诚奖励

✅

RM20,000

End of Policy Year 20 / 第20保单年度结束时

Campaign bonus payable at the end of Policy Year 20 when all requirements continue to be met.持续符合所有条件时，于第20保单年度结束时支付的活动奖励。

Policy must be issued by 15 October 2026.
Key conditions主要条件
  • HealthAssured must be included.
  • Payable at the end of Policy Year 20, subject to policy and campaign requirements.
  • 保单必须在2026年10月15日前签发。

HealthCover Prime Plan 1 campaignHealthCover Prime 计划1活动

Complimentary Recurrence Benefit免费复发保障

✅

RM100,000

Renewable / 可续期

Protection for an eligible recurrence or re-diagnosis of Advanced Cancer, Advanced Heart Attack or Advanced Stroke.为符合条件的晚期癌症、严重心脏病发作或严重中风复发或再次确诊提供保障。

Policy must be issued by 15 October 2026.
Key conditions主要条件
  • The applicable two-year eligibility period and policy claim conditions apply.
  • Renews with the Basic Policy and HealthCover Prime rider, subject to terms.
  • 保单必须在2026年10月15日前签发。

HealthCover Prime Plan 1 campaignHealthCover Prime 计划1活动

Complimentary Gender Specific Cancer Benefit免费性别特定癌症保障

✅

RM100,000

Renewable / 可续期

Additional benefit for the applicable eligible gender-specific advanced cancer.为符合条件的性别特定晚期癌症提供额外福利。

Policy must be issued by 15 October 2026.
Key conditions主要条件
  • The diagnosis and claim must satisfy the applicable covered-condition definition.
  • Renews with the Basic Policy and HealthCover Prime rider, subject to terms.
  • 保单必须在2026年10月15日前签发。

Campaign-enhanced Prime Plan 1活动加强版 Prime 计划1

Up to 635% overall protection potential整体保障潜力高达635%

✅

RM635,000

Renewable / 可续期

Overall payout potential across eligible claims and events - not an amount payable all at once.符合条件的不同理赔与事件之整体赔付潜力，并非一次性支付。

Policy must be issued by 15 October 2026.
Key conditions主要条件
  • Individual benefit limits, waiting periods, survival periods, and claim conditions apply.
  • Normal Prime Plan 1 provides up to 435%; the campaign enhancement adds the complimentary Plan 1 benefits.
  • 保单必须在2026年10月15日前签发。

HealthCover Prime launch giftHealthCover Prime 推出赠品

Complimentary OMRON BP Monitor免费 OMRON 血压计

✅

Complimentary gift免费赠品

Subject to availability / 视供应情况而定

An OMRON blood pressure monitor may be provided with an eligible Prime campaign application.符合 Prime 活动资格的申请可能获赠 OMRON 血压计。

Subject to campaign eligibility, the first 3,000 eligible customers, terms, and stock availability.
Key conditions主要条件
  • No retail value is assigned in this prototype.
  • Campaign allocation and stock availability apply.
  • 须视活动名额与库存而定。