Max Golden Wanita Protection
Customised protection for women in their golden years and beyond.
Max Golden Wanita Protection provides coverage for old age disablement benefits in the event the insured is unable to perform basic activities of daily living. This rider is an additional benefit to the basic plan and will not reduce the plan's basic sum assured.
In the event the insured is unable to perform at least 3 Activities of Daily Living, all future Max Golden Wanita Protection insurance charge will be waived and the disability benefit is payable as follows:
| POLICY ANNIVERSARY SUBSEQUENT TO THE COMMENCEMENT DATE OF DISABILITY | DISABILITY BENEFIT PAYABLE |
| Year 1 | Minimum of a) RM1,000,000 or b) The total sum assured of Max Golden Wanita Protection plus any other ITPD/TPD/IAPWP/APWP benefit as stipulated in the contract on the insured life with Zurich Insurance Malaysia. |
| Year 2 - 10 | Any balance will be payable in equal annual installments. |
Definition of 'Activities of Daily Living'
- Transfer
Getting in and out of a chair without requiring physical assistance. - Mobility
The ability to move from room to room without requiring any physical assistance. - Continence
The ability to voluntarily control bowel and bladder functions such as to maintain personal hygiene. - Dressing
Putting on and taking off all necessary items of clothing without requiring assistance of another person. - Bathing/Washing
The ability to wash in the bath or shower (including getting in or out of the bath or shower) or wash by any other means. - Eating
All tasks of getting food into the body once it has been prepared.
Insured's entry age: 16 to 69 years old.
Policyholder's entry age: 18 years old and above.
The rider's insurance charges are payable until the Insured reaches 100 years old.
The rider coverage term is up to Life Assured's age 100 or maturity of basic plan, whichever earlier.
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The benefits payable are protected by PIDM up to limits. Please refer to PIDM TIPS brochure or contact Zurich Life Insurance Malaysia Berhad or PIDM.