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Beberapa insiden mengenai guru Mati Katak telah dilaporkan kepada KPPK. Antara insiden adalah guru muda yang menghidapi penyakit kanser, buah pinggang dan sakit jantung. Penyakit kriikal ini meningkat di kalangan guru-guru terutama sekali guru-guru wanita yang sangat mudah mendapat penyakit barah. Bila kita menghadapi penyakit seperti ini tidak ada seorang pun yang akan membantu kita kecuali kita sendiri. Guru-guru harus berdikari dan bersiap sedia untuk menghadapi keadaan seperti ini.
Penyakit kritikal merupakan hanya satu daripada |
insiden yang KPPK terpaksa kendali. Guru-guru hendaklah sentiasa dalam keadaan berhati-hati dan beringat terhadap malapetaka seperti ini. Keluarga guru tetap mengalami kesukaran jika mengalami malapetaka ini.
Gabungan Great Eastern dengan KPPK merupakan satu usaha positif agar guru-guru tidak meninggalkan kesengsaraan kepada keluarga. Seramai 40,000 orang guru telah menyertai skim ini. Mengapa tidak anda...? |
Satu perkara yang terjamin apabila anda menghadapi kesusahan, KPPK dan Great Eastern tetap berada di sisi anda dan keluarga anda untuk menghulur bantuan yang diperlukan. Kekuatan KPPK akan menjamin anda dan keluarga anda tidak terbiar.
Sertailah skim Livin' Pay KPPK Great Eastern - hari ini.
- Dato' SIVA SUBRAMANIAM DPSJ, PMP, KMN
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What critical illness is under assurance? |
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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
17. Muscular Dystrophy
18. Deafness
19. Terminal Illness
20. Motor Neuron Disease
21. Chronic Liver Disease
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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
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LIVIN' PAY Assurance (LP) and Hospitalisation Benefit (HB) |
Monthly Premium |
LIVIN' PAY Claim |
Hospitalisation Benefit |
Premium for *LP (RM) |
Premium for *HB (RM) |
Total Monthly Premium (RM) |
- Critical Illness
- TPD due to Illness
- Natural Death
(RM) |
- Accident Death
- TPD due to Accident
(RM) |
Government Hospital (RM) |
Private Hospital (RM) |
Daily Cash Benefit One Night (RM) |
Daily Cash Benefit One 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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Death Khairat RM 2, 000 |
LP = LIVIN' PAY
HB = Hospitalisation Benefit
TPD = Total Permanent Disability
AF = Accumulated Fund
(Refer to Matured Benefits Estimation Schedule) |
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| For these entitled Hospitalisation Benefits, please take note of the following: |
- Participants claiming Daily Cash Benefit for admission to Government Hospital CANNOT claim for any Medical Reimbursement Benefit.
- The Maximum Hospitalisation Benefit allowed to be purchased is monthly premium of RM12.
- Daliy cash payable per night of hospitalisation is subject to a maximum 120 days per disability.
- Medical Reimbursement Benefit for hospitalisation covers both accidental and natural causes.
- No Daily Cash Benefit or Medical Reimbursement will be payable for non-hospitalisation.
- 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.
- EXCLUSIONS : 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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EXCLUSIONS OF THE SCHEME |
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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
- Hospitalisation Benefits
- Admission to hospital caused by pre-exisiting illness before date of commencement
- Hospitalisation in the first 6 weeks after date of commencement
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