36 Critical Illness

What are the 36 critical illnesses ?

1. AIDS as a result of a blood transfusion 
2. Alzheimer's Disease 
3. Aorta Surgery
4. APALLIC Syndrome
5. Aplastic Anaemia
6. Bacterial Meningitis
7. Benign Brain Tumour 
8. Blindness 
9. Brain Surgery
10. Cancer
11. Chronic Liver Disease
12. Chronic Lung Disease
13. Coma 
14. Coronary Artery Disease Requiring Surgery 
15. Deafness 
16. Encephalitis 
17. Full Blown AIDS 
18. Fulminant Viral Hepatitis 
19. Heart Attack
20. Heart Valve Replacement or Repair
21. Kidney Failure
22. Loss of Limbs
23. Loss of Speech
24. Major Organ Transplant
25. Major Burns
26. Major Head Trauma
27. Motor Neurone Disease
28. Multiple Sclerosis
29. Muscular Dystrophy
30. Other Serious Coronary Artery Disease
31. Paralysis
32. Parkinson's Disease
33. Poliomyelitis
34. Primary Pulmonary Arterial Hypertension
35. Stroke
36. Terminal Illness

1。因输血而染艾滋病
2。老年癡呆症
3。主动脉手术
4。去皮质综合症
5。慢性再生障碍性贫血
6。儿童细菌性脑膜炎
7。良性脑瘤
8。失明
9。脑部手术
10。癌症
11。慢性肝病
12。慢性肺病
13。昏睡
14。冠狀动脉疾病手术
15。聋
16。脑炎
17。典型的艾滋病
18。暴发性肝炎
19。心脏病
20。心脏瓣膜修复与替换
21。肾脏病
22。失去双手或双脚
23。哑巴
24。主要器官移植
25。严重烧伤
26。严重头部创伤
27。运动神经元疾病
28。多发性硬化
29。肌营养障碍
30。冠狀动脉疾病
31。瘫痪
32。柏金遜症
33。脊髓灰质炎，小儿麻痹症
34。原发性肺动脉高压综合征
35。中风
36。晚期疾病

The Coffee Effect

For Those Who Skip Lunch!

Factors Affecting Motor Insurance Premium

Most of us do pay for our car insurance. But, why some car has higher premium whereas some car is cheaper? Lets look at the factor contributing to the calculation of premium.
 

The Factors Affecting Motor Insurance Premium are:

Type of coverage: Comprehensive, Third Party Fire and Theft or Third Party

Third party: This type of policy covers death of, or injury to, other parties and damage to other people’s property. Under the law, the minimum requirement is that the policy provides cover for causing death of, or personal injury to, other parties.

Third Party Fire and Theft: On top of third party coverage, this type of policy further allows you to make a claim should your vehicle be stolen or damaged by fire.


Comprehensive:  Provides cover for personal accident and accidental damage to your vehicle and  against fire and theft, as well as third party death, injuries and property damage. Everything else being equal, this type of policy would thus cost more than other types of policies. You may add on optional benefits, such as coverage on additional accessories such as windscreen by paying a higher premium.  
 
Sum Insured: Based on market value

Engine Capacity (CC): The larger the Engine capacity, the higher the premium

Loading: Such as vehicle age loading, driver age loading etc

No Claim Discount: The discount given for not claiming insurance due to accident. From 0% to 25, 30, 38.33, 45 and the max will be 55%.

Other benefits such as legal liability, named driver, car accessorize cover etc.  The more benefits,the more you need to pay

And at last,you will need to pay RM 10 for the stamp duty.

Money – and more

SOME avid collectors of ringgit notes with print defects would probably be interested in owning a RM50 note which was withdrawn from an ATM at the Penang International Airport.
The legal tender was found stuck among 20 pieces of RM50 notes which was withdrawn by remisier Norhazi Ismail, 45, at about noon yesterday.
Bearing the serial number, ‘PP1981485’ on the back, the note had an extra flap on the front left top corner.
“This banknote is legal as it came straight from Maybank. Also the paper quality, serial number, photo of the Agung and watermark are all intact,” he said.
Norhazi, a former bank worker, said this was the second time he had found such a note.
“In 1984, when I was working in the then Southern Bank in Bayan Lepas, I received the old RM100 note which had two faces of the King on it.
Norhazi said he would keep both the ringgit notes as he felt they might be collector’s items one day.

Adapted from:  http://thestar.com.my/news/story.asp?file=/2009/12/30/nation/5384240&sec=nation

MBF Cards offers RM50 tax waiver for balance transfer

PETALING JAYA: MBF card holders stand to receive immediate interest savings upon approval of their balance transfer with a waiver of the RM50 Government Service Tax under MBF Cards’ Power Balance Transfer programme, subject to terms and conditions.
The offer promotes savings and long-term benefits for principal credit card holders who transfer their credit balance to an MBF card, MBF Cards (M) Sdn Bhd said in a statement.
The offer is valid until end February next year.
Under the offer, card members can now transfer their outstanding balance from other credit cards to MBF Cards and enjoy 0% interest for 12 months by maintaining the approved balance transfer amount for a full year.
But MBF card holders can only enjoy the benefits of the revolving credit amount, capped at RM7,500, with a minimum monthly transaction of RM300.
In addition, “if the approved balance transfer amount is more than RM7,500, MBF Cards’ prevailing interest rate will apply to the amount in excess of RM7,500,” the company said.
Meanwhile, Maybank is also providing its cardholders an option with regard to the RM50 card service tax.
Maybank said its cardholders had been informed via letters as well as on the bank’s website that cardholders could redeem their reward points to pay for the credit card service tax.

Adapted from: http://biz.thestar.com.my/news/story.asp?file=/2009/12/30/business/5382573&sec=business

Great Eastern’s Smart Medic

A comprehensive medical rider for investment-linked plans.

Enjoy High Annual and Lifetime Limits
Medical claims will be reimbursed in one lump sum, with a maximum annual limit of up to RM200,000 and a lifetime limit of up to RM1,600,000, depending on your selected plan.

Security of Comprehensive Medical Benefits
Smart Medic gives you comprehensive medical protection to guard against financial difficulties in times of medical emergencies. Key benefits include hassle-free Hospital admission, Pre and Post Hospitalisation treatments, Outpatient Cancer Treatment and Kidney Dialysis, Intensive Care Unit (ICU) and Surgical Expenses benefits. You will also have better peace of mind with the Emergency Accidental Outpatient Treatment and Day Surgery benefits that come with this plan.

Accidental Death Benefit adds to your protection
Your loved ones will receive an Accidental Death Benefit of up to RM20,000 which will be payable, depending on your selected plan, in the event of accidental death.

Daily-Cash Benefit to aid recovery
You have even less need to worry about the medical expenses in the case of hospitalisation at a Malaysian Government Hospital. This plan pays you a daily cash benefit of RM50 per day for up to 120 days per policy year.

Yearly Renewable up to the age of 80 years old
Smart Medic is available to anyone between 30 days attained age and 60 years old next birthday. It is renewable yearly up to the age of 80 years old next birthday, provided the company still offers this plan.

Greater assurance when you travel the world
When you travel abroad for a vacation or on business, you can rest assured that you are protected with Supreme Assist, an emergency assistance service for medical and travel assistance anywhere in the world.

Schedule of benefits

Premium Table

Get Paid With Higher Dividends! Up to 29% of your saving!

What is Retirement?

Retirement means stopped working and it is time to relax!

If you retire at age 55, how long will you go?
How much do your need when retirement?
When are you going to start saving for retirement?
How long will your savings last you?

Don't worry.
Here ING offers you I-Retire.

Description:
It is specially designed for Malaysian for early retirement planning!
 
Who should get it?
Everyone who wants to live comfortable at old age. (For age 18-45 only)

What are the benefits?  

• 20 years limited saving plan 
• Annual Cash dividends are payable starting end of 2nd policy year 
• Guaranteed retirement income starting age 55, all the way to age 85 as long as the policy remains in force. 
• Lump sum maturity benefit or Terminal dividends 
• 2 times more protection- Lump sum payment + 20 years family income
• Earn more than 20% dividends from your annual saving
  

How it works?
Start saving for 20 years.
Starting from end of 2nd policy year, your account will be declared cash dividends. You may cash out or leave it to accumulate interest.
For people younger than 34 years old, you may enjoy receiving cash dividends until age 54 although you have already finished saving for 20 years.
Starting age 55 to 85 years old, you will be given guaranteed annual retirement income+ cash dividends.
Protection: You are covered from death and total permanent disability. A lump sum payment will be payout in such event and a guaranteed family income will be payout for the following 20 years.
Optional protection: In case of critical illness, you do not need to save anymore while continue enjoying the benefits!

Example

• A 25 years old male, non smoker
• Yearly saving: RM 2443.73 (RM 213.83 monthly)
• 2nd policy year dividends until age 54: RM 600 (>20% of what you saved)
• Surrender value after 20 years: RM 59400 (Dividends payout) or RM 66873 (Dividends accumulated)
  
• Annual Retirement Income:  RM 1200 guaranteed+ RM 1800= RM 3000
• Maturity Benefit at age 85: RM 196000 (Cash dividends and Annual retirement payout) or RM  697000 (Cash dividends and Annual retirement accumulated)
  
• Protection: RM 24000+ 20 years Family income of RM 1200 (RM 24000)= RM 48000 
• Critical illness waiver
  

ALL it cost is ONLY RM 7 per day!

Small Medium Industry Insurance

Schedule of Benefits MEDICAL : BASIC - HOSPITALISATION PLAN 350 (RM) PLAN 200 (RM) PLAN 150 (RM) PLAN 80 (RM) 1. In - Hospital Care 1.1 Hospital Room & Board (i) Ordinary Room 350 200 150 80 ( up to 120 days max per disability ) (ii) Intensive Care 500 350 350 350 ( up to 20 days max per disability ) 1.2 Hospital Miscellaneous Services Full Reimbursement 1.3 Surgical Fees Full Reimbursement 1.4 Anesthetic Fees Full Reimbursement 1.5 Operating Theatre Charges Full Reimbursement 1.6 In - Hospital Physician Fees Full Reimbursement ( up to 120 days max per disability ) 1.7 Hospital Service Tax 5% 5% 5% 5% ( on eligible Room & Board charges paid ) 2. Ambulatory Care 2.1 Pre - Surgical / Medical Diagnostic Services Full Reimbursement ( within 60 days ) 2.2 Pre - Surgical / Medical Specialist Consultation Full Reimbursement ( within 60 days ) 2.3 Second Surgical Opinion Full Reimbursement 2.4 Follow - up Treatment Full Reimbursement ( up to 60 days ) 2.5 Out - Patient Accidental Treatment Full Reimbursement ( within 24 hours up to 60 days ) 2.6 Daycare Procedure Full Reimbursement 2.7 Ambulance Services Full Reimbursement 2.8 Medical Report Fee Reimbursement 50 50 50 50 3. Compassionate Allowance 5000 5000 3000 3000 OVERALL LIMIT 100 000 50 000 30 000 10 000 (max per annum) NOTE : Overall Limit - The maximum benefit payable within the policy year regardless of number of disabilities MEDICAL : OPTIONAL RIDER - OUTPATIENT CLINICAL (RM) 1. Primary Care (i) Panel GP Clinic Visit Cash Free (ii) Emergency Non-Panel Clinic Visit Full Reimbursement 2. Preventive Screening Pap Smear ( at Panel GP Clinic only ) Full Reimbursement ( max once per policy year ) 3. Specialist Care With referral from Panel GP Clinic 100 ( max limit per visit ) 4. Diagnostic Services X Ray & Laboratory Tests 250 With referral from Panel GP Clinic or Specialist ( max limit per visit ) GROUP TERM LIFE - BASIC PLAN 1 (RM) PLAN 2 (RM) PLAN 3 (RM) PLAN 4 (RM) PLAN 5 (RM) 1 Death (all causes) 100 000 80 000 60 000 40 000 20 000 2 Permanent Total Disability (all causes) 100 000 80 000 60 000 40 000 20 000 3 Permanent Partial Disability (all causes - as per Scale of Indemnity) 100 000 80 000 60 000 40 000 20 000 GROUP TERM LIFE : OPTIONAL RIDER - CRITICAL ILLNESS PLAN 1 - PLAN 5 1. Critical Illness Lump Sum payment of 50% of the Basic Sum Assured upon diagnosis of a critical illness. Full sum (100%) is payable if death/disability occurs during the remaining period MEDICAL & GROUP TERM LIFE : OPTIONAL RIDER ¨C EXECUTIVE SCREENING 1. 18 KS Screening A comprehensive and general blood & urine screening profile covering 41 test (max once per policy year) Cash Free EXCLUSIONS Medical Cosmetic surgery or treatment Experimental procedures Treatment for injuries while committing a crime or while under the influence of alcohol / narcotics Treatment for self inflicted injuries Treatment for drug abuse or alcoholism Private nursing care and house calls by doctors for any reasons Treatment and test relating to sexual dysfunction, infertility, pregnancy ( except for miscarriage due to a motor vehicle accident ), childbirth, sterilization and circumcision Sex transformation surgery and sex hormone therapy Treatment for sexually transmitted diseases, AIDS or AIDS related complex Alternative therapies such as acupuncture, chiropractic, osteopath, reflexology etc Vitamins, Food Supplements, Herbal Cures, Anti Obesity / Weight Reducing Agents including any off the counter medications Soaps, shampoos, vitamin creams and vitamin ointment Psychotic, mental, nervous disorders and behavioral conditions including neurosis, physiological or psychosomatic manifestations Treatment for congenital, hereditary diseases / deformities Diseases or disabilities of a newborn child contracted prior to or during birth or within the first 14 days hereafter Blood and topical allergy testing Routine physical examination, health check-ups Speech and Occupational Therapy Eye Refraction Supply of any material ( glasses, lens etc ) for the correction of visual acuity, except for cataract surgery or eye injury Non accidental dental treatment and / or surgery Use, acquisition or rental of external appliances such as artificial limbs, hearing aids, aero chambers, equipment for nebulising, orthopaedic pads except during hospital confinement Treatment for the exposure to ionising radiation, radioactivity contamination and from the use of atomic, biological, nuclear and chemical weapons Treatment for any sickness or injury as a result of terrorism, military, naval or air force operations, direct / indirect participation in strikes, riots and civil commotion or insurrection Illness or injury sustained during air travel except as a fare paying passenger Non-medical services provided by a hospital such as television, telephone, fax, radio etc Outpatient physical therapy or physiotherapy cannot be referred at GP level. Must be referred by Specialist and treatment must be provided by a registered physiotherapist. Member must have Hospitalisation Coverage subject to its limitations Outpatient rehabilitation therapy, chemotherapy, radiation therapy, kidney dialysis, chronic illness unless Member has Hospitalisation Coverage subject to its limitations Preventive vaccinations except for mandatory vaccinations for children EXCLUSIONS Group Term LifePermanent Total & Partial Disability (all causes) Suicide or self inflicted injuries while sane or insane or deliberate exposure to unnecessary danger Injury sustained while under the influence or narcotics or illegal drugs Injury sustained while on full-time active duty in the armed forces, naval or military Injuries sustained during participation of dangerous sports such as hunting, mountaineering, racing ( other than foot racing ), diving , parachuting etc Injury sustained during air travel, except as a fare paying passenger on a recognized airline Pregnancy which term includes abortion, miscarriage or related complications War invasion, terrorism, civil was, rebellion, revolution, insurrection, military or usurped power or direct / indirect participation in riots, strikes and civil commotion Atomic, biological and nuclear energy reactions, radiation and contamination Annual Premium Schedule (RM) - NON CASHLESS PREMIUM MEDICAL BASIC : HOSPITALISATION PLAN 350 PLAN 200 PLAN 150 PLAN 80 Employee Only 616.00 426.00 324.00 198.00 Employee & Spouse 1540.00 1065.00 810.00 495.00 Employee & Children 1540.00 855.00 650.00 395.00 Employee & Family 2464.00 1704.00 1296.00 792.00 OPTIONAL: OUTPATIENT CLINICAL Premium Per Employee / Dependent 345.00 GROUP TERM LIFE - CASHLESS PLAN Age ( Nearest Birthday) Premium Rate per RM 1000 ( PTD & PPD ) Premium Rate per RM 1000 ( PTD,PPD & CI ) Age ( Nearest Birthday) Premium Rate per RM 1000 ( PTD & PPD ) Premium Rate per RM 1000 ( PTD,PPD & CI ) 16 1.37 1.58 41 2.36 3.85 17 1.37 1.58 42 2.64 4.33 18 1.37 1.58 43 2.96 4.78 19 1.37 1.58 44 3.35 5.37 20 1.37 1.58 45 3.75 5.93 21 1.37 1.64 46 4.21 6.66 22 1.37 1.64 47 4.72 7.42 23 1.37 1.64 48 5.25 8.21 24 1.37 1.64 49 5.83 9.09 25 1.37 1.67 50 6.47 9.89 26 1.37 1.71 51 7.26 10.98 27 1.37 1.76 52 8.14 12.24 28 1.37 1.77 53 9.15 13.61 29 1.37 1.82 54 10.22 15.03 30 1.37 1.84 55 11.39 16.29 31 1.37 1.91 56 12.61 17.77 32 1.37 1.97 57 13.84 19.44 33 1.37 2.03 58 15.02 21.05 34 1.37 2.08 59 16.24 22.67 35 1.37 2.10 60 17.61 24.62 36 1.57 2.43 61 19.31 26.41 37 1.69 2.64 62 21.40 28.81 38 1.82 2.87 63 23.78 31.78 39 1.96 3.06 64 26.47 35.73 40 2.14 3.49 65 29.51 39.50 MEDICAL & GROUP TERM LIFE OPTIONAL : EXECUTIVE SCREENING Premium per Employee / Dependent 80.00 Please note that, except for for companies located in the Free Trade Zones, all business organizations are subjected to 5% Services Tax on insurance premiums which are borne by the organization. Premium rate is based on policy commencement date & individual date of birth. If difference is less than 6 months, the lower age is applicable. Otherwise, the higher age is applicable for any difference of 6 months & above. Note :PTD - Permanent Total Disability PPD - Permanent Partial Disability CI - Critical Illness

I.ExpatCARE

I.ExpatCARE is a yearly renewable international healthcare product, offering in-patient and out-patient care as well as extra benefits inclusive of physiotherapy, preventive care, wellness benefits and maternity care, both to individuals and corporations.
I.ExpatCARE Individual

The I.ExpatCARE is offered to Malaysians and permanent residents of Malaysia (based on the Inland Revenue of Malaysia’s Guidelines) as well as full time foreign employees of a company incorporated in Malaysia.

Individuals aged between eighteen (18) years to fifty nine (59) years (to the nearest birthday) are eligible to apply for the I.ExpatCARE together with their legally married spouse and unmarried children (aged thirty (30) days to nineteen (19) years or twenty three (23) years, if still pursuing higher education and is not gainfully employed).
I.ExpatCARE Corporate

The I.ExpatCARE Corporate is open to Malaysian employers (company incorporated in Malaysia) to cover their
#
Expatriated Malaysian employees (and dependents) on foreign assignment outside Malaysia
#
Non-Malaysian full time employees (and dependents)

All current and future full time employees aged eighteen (18) years to fifty nine (59) years (to the nearest birthday) are eligible to apply for the I.ExpatCARE Corporate. The legally married spouse of the Insured Employee and their unmarried children (aged thirty (30) days to nineteen (19) years or twenty three (23) years, if still pursuing higher education and is not gainfully employed) are also eligible for coverage.

Features

	Comprehensive Medical Coverage
		In-patient Care
		The I.ExpatCARE provides in-patient care coverage for admission to a hospital, which includes room & board charges, doctor’s fees (surgeon & anaesthetist’s fees), medical facilities charges as well as special cancer treatment, kidney dialysis and organ transplant charges.
		Out-patient Care
		Benefits here include consultation fees for a General Practitioner or Specialist for common sickness, bodily injuries, diagnostic tests and medication. Out-patient cancer treatment, kidney dialysis and day care surgery are also part of this benefit.
		Extra Benefits
		In addition to the above, the I.ExpatCARE includes benefits such as physiotherapy, medical aids (hearing aids, orthopaedic appliances etc.) and treatments performed by complementary medical practitioners (chiropractor, osteopath, acupuncturist and homeopath) that have been prescribed by a doctor. Maternity coverage (except Elective Caesarean Surgery) is also included.

	Geographical Coverage
		The I.ExpatCARE offers you a choice between three (3) geographic areas of cover
		Worldwide cover (Zone A)
		Worldwide cover excluding United States of America (USA) and Canada (Zone B)
		Worldwide cover excluding USA, Canada, Switzerland, European Union, Japan, Hong Kong and Singapore (Zone C)
		However, during business trips or holidays not exceeding ninety (90) days, medical expenses incurred in the excluded countries as a consequence of an accident or a medical emergency will be covered up to the limits of the plan purchased. If the medical condition concerned already existed prior to travel to the excluded countries, then the medical expenses related to that medical condition are not covered.

	Choice of Plan
		I.ExpatCARE offers you five (5) attractive plans designed to suit your budget and healthcare needs.

	Fantastic Coverage
		The I.ExpatCARE provides you insurance coverage ranging from RM 950 000 (approximately USD 250 000*) to RM 14 250 000 (approximately USD 3 750 000*) per annum. This rich coverage promises you accessibility to quality medical care overseas. Simply a fantastic deal ! * Converted at a fixed rate of USD 1.00 = RM 3.80

Schedule of Benefits

 

Benefits	Plan Description
	Planet	Star	Galaxy	Orbit	Universe
Overall Annual Limit per Insured and per Policy Year	RM 950 000	RM 2 850 000	RM 4 750 000	RM 7 125 000	RM 14 250 000
1. In-patient Care(with overnight stay)	Pre-certification required
1 Hospital Accommodation Hospital Room & Board Intensive Care Unit (ICU)	As charged (but no more than the standard private room rates) As Charged
1.2 Doctor’s Fees Surgical Fees Anaesthetist’s Fees	As Charged
1.3 Medical Facilities, including Operating Theatre Hospital Supplies & Services	As Charged
1.4 Special Cancer Treatment and Kidney Dialysis	As Charged
1.5 Organ Transplant	Prior approval from the Insurer’s Medical Adviser is required. As Charged subject to a maximum limit of RM 475 000.
2. Out-patient Care(Sub-limit for all Out-patient Care per Insured per Policy year)	RM 9 500(Reimbursement Basis)	RM 28 500(Reimbursement Basis)	RM 47 500(Reimbursement Basis)	RM 71 250(Reimbursement Basis)	RM 142 500(Reimbursement Basis)
2.1 Doctor’s Fees	As Charged
2.2 Hospital Diagnostic Tests	As Charged
2.3 Prescription Medicines	As Charged
2.4 Out-patient Cancer Treatmentand Out-patient Kidney Dialysis	As Charged
2.5 Day Surgery (out-patient surgery)	As Charged
3. Extra Benefits(Sub limit for all Extra Benefits (except 3.7) per Insured per Policy Year	RM 4 750(Reimbursement Basis)	RM 14 250(Reimbursement Basis)	RM 23 750(Reimbursement Basis)	RM 35 625(Reimbursement Basis)	RM 71 250(Reimbursement Basis)
3.1 Physiotherapy	As Charged
3.2 Medical Aids	As Charged
3.3 Treatments performed by Complementary Medical Practitioners	As Charged
3.4 Preventive Care & Wellness Benefits	As Charged
3.5 Insured Child’s Daily Guardian Benefit	As Charged
3.6 Ambulance Fees	As Charged
3.7 Maternity Care and Delivery	As Charged [separate maximum of RM 28 500 (Reimbursement Basis)]

Exclusions

	No benefit shall be payable for any of the following services, products or conditions or injuries resulting from:-
		Consequences of a voluntary or intentional act committed by the Insured or his / her dependant or consequences of hazardous competitions;
		Consequences of insurrections or riots if by taking part the Insured or his / her dependant has broken the applicable laws;
		Consequences of brawls, fights and all kinds of disturbances and measures taken to combat them, except in case of self-defence;
		Consequences of the preparation of or participation in crimes or misdemeanours;
		Consequences of drug-addiction and alcoholism;
		Direct or indirect consequences of any action relating to what is commonly designated as “Nuclear Risk”. This exclusion is not applicable to medical radiations required by covered medical treatment;
		Events related to bets or challenges;
		Expenses resulting from any kind of competition with motor vehicles;
		Flight risk: the insurance covers the use, as a passenger, of all planes, hydro-planes or helicopters duly authorised to transport persons, as long as the Insured is not a member of the crew and does not exercise in the course of the flight a professional or other activity, in relation with the plane or the flight;
		Consequences of war or acts of war, and terrorism to the extent mentioned in the Policy Contract;
		Dental treatment / care;
		Vision care (Spectacles, frames, contact lenses), sunglasses and orthoptic treatment;
		Treatment that is considered experimental / investigative according to accepted professional medical standards and treatment that is not medically indicated;
		Psychiatric treatment;
		Private nursing care or services provided by nursing home for purely recuperative purposes;
		Non prescribed medical treatments;
		Periodic preventive health examinations except those explicitly mentioned in the table of medical benefits;
		Complementary (and or alternative) medical treatments other than those explicitly mentioned in the table of medical benefits;
		Rejuvenation and spa-cures, cosmetic treatments and convalescent rest;
		Facilities for the aged, primarily giving custodial, educational and rehabilitory care;
		Expenses resulting from maternity and childbirth during the first ten (10) months after the individual inception date of cover;
		Non prescribed drugs;
		OTC (“over-the-counter”) medicines; lifestyle products, dietary products, vitamins, food supplements and food products, baby food, mineral waters, tonics, cosmetic products etc.;
		Fertility treatments (IVF, ICSI, AI and all other similar treatments) as well as (in)fertility treatment investigation expenses;
		Expenses related to sterilisation;
		Contraceptive and birth control drugs, even if prescribed by a physician;
		Costs related to abortion except in case of absolute medical necessity;
		Cosmetic / aesthetic treatment except restorative treatment following accident;
		Refractive error corrective eye surgery (keratectomy and keratotomy, including LASIK and LASEK procedures);
		Remedial teaching;
		Logopaedic treatment and speech therapy;
		Elective caesarean delivery expenses;
		Sex change operations and related treatment expenses Adapted from: https://www.ing.com.my/ICWNet/2.0/ing.application.web/ICWDefault/eb_port_iexpat_care.aspx