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Great Eastern has appointed Syariah advisor to ensure this Dana invest in the selected investment instrument according to the lists approved by Majlis Penasihat Syariah Suruhjaya Sekuriti dan Organisasi.
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STATISTIC OF THE LATEST RETURN OF DANA RESTU |
YEAR |
RETURN |
2001 |
8% |
2002 |
31% |
2003 |
34% |
2004 |
9% |
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 What is the benefits of the scheme? |
- Premiums paid are tax relief
- Automatic salary deduction of premium
- Assurance until age of 65
- 24 hours worldwide assurance
- Assurance commence after the salary deduction is carried out
- During claim, Union will handle it for you
- Suicide is payable after 12 months of assurance
- Two times of total assurance amount if death is caused by accident
- If you still healthy and did not apply any claim except Hospitalisation Benefits under this scheme, you can obtain the return based on current market price when you reach the age of 65
- If you decide to terminate the premium before you reach 65, the return is based on the investment units return to you at the current market price after 12 months of partcipation
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| Cash Withdrawal Emergency |
One of the feature is you can purchase back your Dana Restu units after contribution at least 12 months. The total minimum units allowed is RM 200 at current market price and there is no maximum limiti. You can withdraw all the units. The processing fees is about RM 10 for every single withdrawal.
The assurance is continue if you still contribute the monthly premium. |
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Dana Restu Assurance (DR) and Hospitalisation Benefits (HB) |
Monthly Premium |
Dana Restu Claim |
Hospitalisation Benefits |
Premium for *DR (RM) |
Premium for *HB (RM) |
Total
Monthly
Premium
(RM) |
- Critical Illness
- TPD due to Illness
- Normal Death
(RM) |
- Accident Death
- TPD due to Accident
(RM) |
Government
Hospital (RM) |
Private Hospital (RM) |
Daily Cash Benefit
per Night (RM) |
Daily Cash Benefit
per Night (RM)
+
Medical Reimbursement (RM) |
40 (Min) |
4 |
44 |
40, 000
+ AF |
80,000
+ AF |
120
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80 + 900 |
60 |
6 |
66 |
60, 000
+ AF |
120, 000 + AF |
180 |
120 + 1, 600 |
80 |
8 |
88 |
80, 000
+ AF |
160, 000 + AF |
240 |
160 + 2, 400 |
100 |
10 |
110 |
100, 000
+ AF |
200, 000 + AF |
300 |
200 + 3, 000 |
120 |
12 |
132 |
120, 000
+ AF |
240, 000 + AF |
300 |
240 + 3, 600 |
140 |
12 |
152 |
140, 000
+ AF |
280, 000 + AF |
300 |
240 + 3, 600 |
160 |
12 |
172 |
160, 000
+ AF |
320, 000 + AF |
300 |
240 + 3, 600 |
180 |
12 |
192 |
180, 000
+ AF |
360, 000 + AF |
300 |
240 + 3, 600 |
200 |
12 |
212 |
200, 000
+ AF |
400, 000 + AF |
300 |
240 + 3, 600 |
220 |
12 |
232 |
220, 000
+ AF |
440, 000 + AF |
300 |
240 + 3, 600 |
250(Max) |
12 |
262 |
250, 000
+ AF |
500, 000 + AF |
300 |
240 + 3, 600 |
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DR = Dana Restu
HB = Hospitalisation Benefit
TPD = Total Permanent Disability
AF = Accumulated Fund
(Refer to Matured Benefits Estimation Schedule) |
Hospitalisation Benefits can be applied for any normal disease case or accident case with maximum limit of 500 nights. You must stay overnight in the hospital. |
EXCLUSION : Injury due to self-inflicted or suicide, sexual disease, theraphy caused by pregnant including any complications relating thereto, plastic surgery, medical check-up, injury caused by drug addiction and other exclusions stated in Master Policy. |
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CLAIM SCHEDULE (Accidental Cause) |
| A PART |
| Death |
100% |
| B PART (Total & Permanent Disablement) |
| Loss of both hand |
100% |
| Loss of both leg |
100% |
| Total loss of sight of both eyes and cannot be recoverd |
100% |
| Loss of one hand and one leg |
100% |
| Injury causing permanent lying at bed |
100% |
| Injury causing permanent disablement |
100% |
| Total paralysis and cannot be recovered |
100% |
| C PART (Partial & Permanent Disablement) |
| Loss of arm at shoulder |
100% |
| Loss of arm between shoulder and elbow |
100% |
| Loss of arm at elbow |
100% |
| Loss of arm between elbow and wrist |
100% |
| Loss of hand at wrist |
100% |
| Loss of leg at hip |
100% |
| Loss of leg between hip and hip |
100% |
| Loss of leg below knee |
100% |
| Total loss of both eyes |
100% |
| Loss of sight of both eyes |
100% |
| Total loss of sight of one eye and cannot be recovered except perception of light |
50% |
| Loss of lens |
50% |
| Loss od four finger and thumb of one hand |
50% |
| Loss of four fingers |
40% |
| Loss of hearing - both ears |
75% |
| Loss of hearing - one ear |
15% |
| Loss of speech |
50% |
For other Total Permanent Disability - Compensation percentage will be calculated and fixed by Company based on Medical Department's suggestion whether the above rate is not adequate.
For injury not listed above, compensation between 50% and 1 % will be payable according to loss rate stated in the Master Policy (Maximum payment benefits will not more than 100% of the total insurance). |
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| What critical illness is under assurance? |
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17. Muscular Dystrophy
18. Deafness
19. Terminal Illness
20. Motor Neuron Disease
21. Chronic Liver Disease
22. HIV Infection from Blood Transfusion
23. Encephalitis
24. Asplatic Anaemia
25. Accidental Head Injury resulthing in Head Trauma
26. Parkinson's Disease
27. Poliomyelitis
28. Benign Brain Tumour
29. Chronic Lung Disease
30. Coma
31. Brain Surgery
32. Bacterial Meningitis
33. Other Serious Coronary Artery Disease
34. Appalic Syndrome
35. AIDS Cover for Medical Staff
36. Full Blown AIDS |
1. Heart Attack
2. Stroke
3. Coronary Artery By-Pass Surgery
4. Canser
5. Kidney Failure
6. Fulminant Hepatitis
7. Major Organ Transplant
8. Paralysis (Paraplegia, Tetraplegia)
9. Multiple Sclerosis
10. Primary Pulmonary Hypertension
11. Blindness
12. Heart Valve Surgery
13. Major Burns
14. Aorta Surgery
15. Loss of Speech
16. Alzheimer's Disease |
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EXCLUSIONS |
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- Death / Total and Permanent Disability / Partial and Pemanent Disability
- Any Critical Illness caused by self-inflicted injuries, while sane or insane
- Injury caused by any aeroplane flight unless as a passenger in an aeroplane which follow the regular flight schedule;
- Abandone at / before commencement date
- Caused by war regardless declare or not
- Caused by anger assaults, drug addiction, any mode of cycling (except using leg), scuba-diving, forest hunting activities.
- Critical Illness
- Any infected critical illness before date of assurance commencement
- Any pre-exisiting critical disease relating to body functionality complications before date of assurance commencement
- diagnosed in the first 60 days period
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