Ensuring a better future for the people

you care about the most.

PeopleLink

www.mcis.my #PeopleHelpingPeople
PeopleLink
As much as you want to always stay healthy and be there for your loved ones, deep down
you know that life is unpredictable.
Key Features

7YV[LJ[PVUHNHPUZ[+LH[O Additional payout for Compassionate benefit

VY;V[HSHUK7LYTHULU[ (JJPKLU[HS+LH[O of RM3,000
+PZHIPSP[`;7+

5 years guaranteed Maturity benefit -SL_PISLWYLTP\TWH`PUN

coverage terms of 5, 10, 20 years
or full pay

Stay prepared for any 7LVWSL3PURPZHUHɈVYKHISLYLN\SHYWYLTP\T -SL_PISLWVSPJ`TH[\YP[` Potential gains from -SL_PIPSP[`[VZ^P[JO
UVUWHY[PJPWH[PUNWSHU[OH[VɈLYZ+LH[OVY;V[HS options at the age of 70, investment-linked funds between 8 investment
uncertainties that life may HUK7LYTHULU[+PZHIPSP[`;7+JV]LYHNL[VOLSW 80 or 90 years old funds
bring upon you by getting `V\YSV]LKVULZJVWLÄUHUJPHSS`PMHU`[OPUNZOV\SK
happen to you. In the event of accidental death,
PeopleLink,
rest assured that they will receive 200% of the
IHZPJZ\THZZ\YLK[VJ\ZOPVU[OLÄUHUJPHSZOVJR
a basic life insurance policy that
provides you with a solid base today Furthermore, this plan allows you to attach riders
HUKPZÅL_PISLLUV\NO[VJH[LYMVY`V\Y for added peace of mind. What’s even better,
ever-changing needs in the future. P[VɈLYZWV[LU[PHSPU]LZ[TLU[YL[\YUZ^P[O[OL
Provide your loved ones the assurance convenience to top up your investment from time
of a secure future, one that is bright to time. With the boost in your savings, you can
and full of promises that they will have M\SÄSPTWVY[HU[ÄUHUJPHSNVHSZSPRLNYV^PUN`V\Y
[OLÄUHUJPHSTLHUZ[VHJOPL]L[OLPY children’s education fund, starting a new business
dreams, even when you are no longer venture, embarking on a family trip and planning for
around. a comfortable retirement.
)LULÄ[Z Eligibility & Requirements

Entry Age HNLUL_[IPY[OKH`

+LH[O)LULÄ[
In the event of death, your Total and Permanent Disability (TPD)
Minimum Maximum
loved ones will receive )LULÄ[
VM[OL)HZPJ:\T ;OPZWSHUOLSWZLHZL[OLÄUHUJPHSI\YKLU
70 years old for policy term 80/90
Assured plus account that you and your loved ones may face 30 days
]HS\LSLZZHU`;V[HSHUK PM;7+ZOV\SKVJJ\YILMVYLHNLUL_[ 60 years old for policy term 70
7LYTHULU[+PZHIPSP[` IPY[OKH`I`WH`PUNVM[OL)HZPJ
;7+)LULÄ[WHPKHUK :\T(ZZ\YLKWS\ZHJJV\U[]HS\LSLZZ Coverage Period
any indebtedness HU`PUKLI[LKULZZ\UKLY[OPZWSHUHM[LY
\UKLY[OPZWSHU[VOLSW months from the date of diagnosis. Choice up to age 70, 80 or 90 years old.
[OLTJVWLÄUHUJPHSS`
Premium Payment years or Full Pay
Options of 5, 10, 20 or full pay.
Compassionate
(JJPKLU[HS+LH[O)LULÄ[
)LULÄ[ Basic Sum Assured
Your loved ones will receive 200% of the
In the event of death,
)HZPJ:\T(ZZ\YLKWS\ZHJJV\U[]HS\LSLZZ
your loved ones will Minimum Maximum
HU`;V[HSHUK7LYTHULU[+PZHIPSP[`)LULÄ[
be paid an additional
WHPKHUKHU`PUKLI[LKULZZ\UKLY[OPZWSHU RM50,000 RM450,000
RM3,000 to help
[VJ\ZOPVU[OLÄUHUJPHSZOVJRPMHJJPKLU[HS
them cope with
death happens.
M\ULYHSL_WLUZLZ
Regular Premium
Minimum RM1,500 p.a.

5 Years Guaranteed Coverage

Regular Top-up Premium (Optional)
;VLUZ\YL`V\JVU[PU\L[VLUQV`JV]LYHNL
insurance charges and other fees will be Minimum RM120 p.a.
deducted from the account value throughout PUT\S[PWSLZVM94
[OLWVSPJ`[LYT^OLUP[OHZZ\ɉJPLU[]HS\L
H]HPSHISL-VY[OLÄYZ[WVSPJ``LHYZYLZ[ Single Investment Top-up Premium
assured that your plan will continue to be in- Minimum RM100
MVYJLL]LUPM[OLHJJV\U[]HS\LPZPUZ\ɉJPLU[ PUT\S[PWSLZVM94
to cover these charges1. Nevertheless, top-
\WZTH`ILYLX\PYLKMVYPUZ\ɉJPLU[HJJV\U[
value starting from the 6th policy year.

1
4H[\YP[`)LULÄ[ 7YV]PKLK[OH[^P[OPU[OLÄYZ[WVSPJ``LHYZ!
Upon maturity of the ‹7YLTP\TZMVY[OLWSHUOH]LILLUWHPKVUVYILMVYL
plan, you will receive every due date during the grace period; and
the investment ‹7YLTP\TOVSPKH`OHZUL]LYILLUL_LYJPZLK"HUK
account value to ‹;OLYLPZUV^P[OKYH^HSVMHJJV\U[]HS\L"HUK Note: This top-up can be utilised at any time during the policy term regardless of your choice
M\SÄS`V\YÄUHUJPHS ‹(U`WYLTP\TPUJYLHZLZYLX\PYLKI`[OL*VTWHU`[V of premium term.
goals. ensure sustainability of the policy shall be promptly
paid within the grace period.
Types Of Funds Available

Equity Fund Balanced Fund Income Fund Dividend Fund

Types of Investments Types of Investments Types of Investments Types of Investments

Invests in high quality equities listed 0U]LZ[ZPUHTP_[\YLVMLX\P[PLZMP_LK 0U]LZ[ZPUHTP_[\YLVMMP_LKPUJVTL Invests in high quality equities with
VU)\YZH4HSH`ZPH PUJVTLZLJ\YP[PLZHUKMP_LKKLWVZP[Z ZLJ\YP[PLZHUKMP_LKKLWVZP[Z a focus to dividend yields listed on
)\YZH4HSH`ZPH

Investor Profile Investor Profile Investor Profile Investor Profile

Willing to take higher risk for higher Willing to take moderate risk for Willing to take lower risk for lower For moderate risk investors who
L_WLJ[LKYL[\YUZV]LYTLKP\T[V medium returns, over medium to long L_WLJ[LKYL[\YUZV]LYTLKP\T[V prefer to invest in the equity market,
long term, for period of five or more term, for periods of three or more long term. over medium to long term.
years. years.

Jati Fund Global Yakin Fund AsiaPac Fund Titan Fund

Types of Investments Types of Investments Types of Investments Types of Investments

Invests in Shariah-approved Invests in Shariah-compliant equities 0U]LZ[ZPU*04): 7,[OPJHS+P]PKLUK 0U]LZ[ZPU4`,;-+V^1VULZ<:

ZLJ\YP[PLZPUHTP_[\YLVMLX\P[PLZ HUKLX\P[`YLSH[LKZLJ\YP[PLZ;OL (ZPH7HJPMPJ,;-SPZ[LKVU:PUNHWVYL ;P[HUZHPTZ[VWYV]PKLPU]LZ[TLU[
MP_LKPUJVTLZLJ\YP[PLZHUKMP_LK underlying insurance product is not :[VJR,_JOHUNL results that closely corresponds to the
KLWVZP[Z;OL\UKLYS`PUNPUZ\YHUJL a Shariah-compliant product as it is WLYMVYTHUJLVM[OL+V^1VULZ0ZSHTPJ
product is not a Shariah-compliant not governed by the Islamic Financial 4HYRL[<:;P[HUZ0UKL_
product as it is not governed by the Services Act 2013.
Islamic Financial Services Act 2013.

Investor Profile Investor Profile Investor Profile Investor Profile

Would prefer to invest in Shariah- For high risk investors who would For moderate risk investors who For diversification and investment
approved securities, and willing to prefer to invest in an international prefer to invest in high dividend yield opportunities in Shariah-compliant
[HRLOPNOLYYPZRMVYOPNOLYL_WLJ[LK portfolio of companies in several equities in the Asia Pacific region. equities in the U.S. market and
returns, over medium to long term. countries with good growth potential. seeking liquid financial instruments
^P[OHUPUKL_[YHJRPUNMLH[\YL

Notes:
‹ ;OPZPZUV[H:OHYPHOJVTWSPHU[WYVK\J[/V^L]LY1H[P-\UK;P[HU-\UKHUK.SVIHS
@HRPU-\UKPU]LZ[PU:OHYPHOHWWYV]LKZLJ\YP[PLZHUK^PSSJVU[PU\L[VKVZV-VYTVYL
PUMVYTH[PVUHIV\[[OLM\UKZTLU[PVULKHIV]LRPUKS`YLMLY[V[OL-\UK-HJ[:OLL[
‹ VM[OL\UHSSVJH[LKYH[LMYVT[OLZPUNSLWYLTP\TYH[L^PSSIL\ZLK[VTLL[WH`TLU[VM
JVTTPZZPVUZ[VPU[LYTLKPHYPLZHUKTHUHNLTLU[L_WLUZLZ
Premium Allocation Fees & Charges

;OLHSSVJH[LKWYLTP\TZ^PSSIL\ZLK[VW\YJOHZL\UP[ZPUPU]LZ[TLU[SPURLKM\UKZVM`V\Y Insurance Charges

choice. A portion of the unallocated premium, meanwhile, will be used for payment of Insurance charges are deducted monthly from the account value to pay for the insurance
JVTTPZZPVUZ[VPU[LYTLKPHYPLZHUKTHUHNLTLU[L_WLUZLZ;OLMVSSV^PUN[HISLZOV^Z[OL JV]LYHNL;OPZPUZ\YHUJLJOHYNL]HYPLZI`[OLH[[HPULKHNLNLUKLYVJJ\WH[PVUHUKTLKPJHS
allocation rate for regular premiums: YH[PUN;OLPUZ\YHUJLJOHYNLZPUJYLHZL^P[O`V\YHNLHUKHYLUV[N\HYHU[LLK

Partial Withdrawal Charge

% Of Premium Allocation
Min Partial Withdrawal : RM250
Policy Year 4PU-\UK)HSHUJLHM[LY7HY[PHS>P[OKYH^HS!94
Premium Term: 5 Premium Term: 10 Premium Term: 20
years years years and above Policy Fee
RM6 per month for all frequency modes.
1 85 75 60

2 85 75 60 Fund Switching Fee

Waived.
3 90 85 60
Top-up Fee
4 90 85 80
Waived.
5 100 90 80
Fund Management Charges
6 90 80
Types of Funds Fund Management Charges
7 100 100
Equity Fund 1.40% p.a.
8 100 100
1H[P-\UK 1.35% p.a.
9 100 100
)HSHUJLK-\UK 1.25% p.a.
10 100 100
+P]PKLUK-\UK 1.50% p.a.
11 onwards 100
AsiaPac Fund 1.20% p.a.
;OLWYLTP\THSSVJH[PVUYH[LMVYIV[O9LN\SHY;VW\W7YLTP\THUK:PUNSL0U]LZ[TLU[;VW\W
premium is 95% for all years. Global Yakin Fund 1.20% p.a.

Income Fund 1.00% p.a.

;P[HU-\UK 1.20% p.a.

Note: We reserve the right to revise the charges above by giving you 3 months prior written
notice.
Your Questions Answered

What is PeopleLink? What are the restrictions and exclusions for this plan?
PeopleLink is a non-participating, regular premium investment-linked plan with H ;OL+LH[O)LULÄ[ZOHSSUV[ILWH`HISLPM[OL3PML(ZZ\YLKKPLZI`K\LSSPUN
WYLTP\TWH`TLU[[LYTVW[PVUZVM`LHYZVYM\SSWH`;OPZWSHUVɈLYZ ZLSMPUÅPJ[LKPUQ\YPLZVYZ\PJPKL^OL[OLYZHULVYPUZHUL^P[OPU[OPY[LLU
maturity options at the age of 70, 80 or 90. TVU[OZVM[OL7VSPJ`0ZZ\L+H[LVYKH[LVMYLPUZ[H[LTLU[VM[OLWVSPJ`
;OPZWSHUVɈLYZ[OLMVSSV^PUNILULÄ[Z! whichever is later.
H+LH[OHUK;V[HSHUK7LYTHULU[+PZHIPSP[`;7+ILULÄ[Z I ;OL;V[HSHUK7LYTHULU[+PZHIPSP[`;7+)LULÄ[ZOHSSUV[ILWH`HISLMVY
any disability caused directly or indirectly, wholly and partly by: attempted
I(JJPKLU[HS+LH[O)LULÄ[ Z\PJPKLVYZLSMPUÅPJ[LKPUQ\YPLZVYZLSMPUÅPJ[LKPSSULZZ^OPSLZHULVYPUZHUL"
J*VTWHZZPVUH[L)LULÄ[VM94 military or naval service in time of declared or undeclared war or while under
;OPZWYVK\J[HSZVWYV]PKLZ5V3HWZL.\HYHU[LLK\YPUN[OLÄYZ[`LHYZ orders for warlike operation or restoration of public order.
J ;OL(JJPKLU[HS+LH[O)LULÄ[ZOHSSUV[JV]LYHJJPKLU[HSKLH[OJH\ZLK
directly or indirectly, wholly or partially, by: assault or murder, riot or civil
commotion, strikes or terrorist activities, self-destruction while sane or
PUZHUL"TPSP[HY`VYUH]HSZLY]PJLPU[PTLVMKLJSHYLKVY\UKLJSHYLK^HYVY
while under orders for warlike operation or restoration of public order.
Can I add other coverage to PeopleLink?
You may attach various unit deducting riders to this plan. Our agents will be
pleased to recommend suitable riders to cater to your needs.

How do I know the unit price of my funds?

;OLJVTWHU`^PSSKL[LYTPUL[OL)PK7YPJLKHPS`@V\JHURLLW[YHJRVM`V\Y\UP[
prices via www.mcis.my

What are the options for Premium Payment Frequency and Method?
You can choose to pay your premiums annually, semi-annually, quarterly or
TVU[OS`7H`TLU[ZJHUILTHKL]PH1VT7(@*YLKP[+LIP[*HYK(\[V+LIP[
+PYLJ[7H`TLU[TL[OVKZVY(UNRHZH+LK\J[PVU

Can I surrender my policy?

Yes. You can surrender the policy at any time without any charges imposed.
Please note that buying a regular premium life policy is a long-term being
commitment and it is not advisable to hold the policy for a short period of time in
view of the high initial costs. Please refer to the Sales Illustration for more details.

5V[L!;OLHIV]LSPZ[PZUV[L_OH\Z[P]L7SLHZLYLMLY[V7VSPJ`*VU[YHJ[MVYM\SSKL[HPSZ
Important Notes
 ;OPZIYVJO\YLWYV]PKLZHIYPLMKLZJYPW[PVUVM[OLPUZ\YHUJLWYVK\J[HUKZOHSSUV[IL
construed as a contract of insurance. Please refer to the Policy Contract for further
PUMVYTH[PVUHUKZWLJPÄJKL[HPSZHZ[OLL_JS\ZPVUZHUKSPTP[H[PVUZOPNOSPNO[LKPU[OPZ
IYVJO\YLHYLUV[L_OH\Z[P]L
2. You are advised to refer to your Sales Illustration for further information.
 7SLHZLYLHKHUK\UKLYZ[HUK[OL7YVK\J[+PZJSVZ\YL:OLL[VM[OPZWYVK\J[
4. You should satisfy yourself that this plan will best serve your needs and that the premium
WH`HISL\UKLY[OLWVSPJ`PZHUHTV\U[`V\JHUHɈVYK
5. You may cancel your investment-linked policy within 15 days after you have received the
WVSPJ`;OLJVTWHU`^PSSYLM\UK[V`V\[OL\UHSSVJH[LKWYLTP\TZ[OL]HS\LVM\UP[Z[OH[
OH]LILLUHSSVJH[LKPMHU`H[\UP[WYPJLVU[OLUL_[]HS\H[PVUKH[LHUKHU`PUZ\YHUJL
charges and policy fees that have been deducted less any medical fees incurred.
6. If you terminate your policy in the early years, you may get back less than the total
amount that you have paid.
7. Since this is an investment-linked insurance, you will decide the investment fund of your
choice and adopt the investment risk.
8. Please be advised that taking a premium holiday may lead to the possibility of lapsing
`V\YWVSPJ`@V\^PSSHSZVSVZL[OL@LHYZ.\HYHU[LLK*V]LYHNLILULÄ[PM[OLWYLTP\T
OVSPKH`PZL_LYJPZLK^P[OPU[OLÄYZ[WVSPJ``LHYZ
 ;OPZPZHUPUZ\YHUJLWYVK\J[[OH[PZ[PLK[V[OLWLYMVYTHUJLVM[OL\UKLYS`PUNHZZL[ZHUK
is not a pure investment product such as unit trusts.
10. Unit values will be based on actual performances of the investment-linked funds and it is
not guaranteed.
11. Past performance of a fund may not be a reliable guide for future performances, which
TH`ILKPɈLYLU[
 @V\TH`\[PSPZL[OL[VW\WMHJPSP[`HZHTLHUZ[VTH_PTPZL[OLPU]LZ[TLU[]HS\LVM[OL
policy.
13. Please be aware that purchasing too many unit-deducting riders, if any, may deplete the
investment-linked fund units.
14. Should you require additional information about investment-linked insurance, please refer
to the insurance info booklet on “Investment-linked Insurance”. You can obtain a copy
from our insurance agent or visit www.insuranceinfo.com.my.
 @V\TH`X\HSPM`MVYWLYZVUHS[H_YLSPLMVUSPMLPUZ\YHUJLWYLTP\TMYVT[OLW\YJOHZLVM
[OPZWSHUZ\IQLJ[[V[LYTZHUKJVUKP[PVUZPTWVZLKI`[OL0USHUK9L]LU\L)VHYK7SLHZL
JOLJR^P[O`V\Y[H_HK]PZLYYLNHYKPUN`V\YLSPNPIPSP[`;H_YLSPLMPZZ\IQLJ[[V[OLÄUHS MCIS INSURANCE BERHAD
KLJPZPVUVM[OL0USHUK9L]LU\L)VHYK-VYM\Y[OLYPUMVYTH[PVUWSLHZLSVNVU[V 4*0:0UZ\YHUJL)LYOHKPZHTLTILYVM7LYIHKHUHU0UZ\YHUZ
www.hasil.gov.myVYJVU[HJ[[OL0USHUK9L]LU\L)VHYK +LWVZP[4HSH`ZPH70+4(ZHTLTILYVM70+4ZVTLVM[OL
ILULÄ[ZPUZ\YLK\UKLY[OLPUZ\YHUJLWVSPJPLZVɈLYLKI`4*0:
0UZ\YHUJL)LYOHKHYLWYV[LJ[LKHNHPUZ[SVZZVMWHY[VMHSSVM
PUZ\YHUJLILULÄ[ZI`70+4PU[OL\USPRLS`L]LU[VMHUPUZ\YLY
member failure. For further details of the protection limits and the
ZJVWLVMJV]LYHNLWSLHZLVI[HPUH70+4PUMVYTH[PVUIYVJO\YL
MYVT4*0:0UZ\YHUJL)LYOHKVY]PZP[70+4^LIZP[L
^^^WPKTJVTT`VYJHSS70+4[VSSMYLLSPUL
 Memastikan masa depan yang lebih
baik untuk insan tersayang.

PeopleLink

;OPZWHNLPZPU[LU[PVUHSS`SLM[ISHUR www.mcis.my #PeopleHelpingPeopl

PeopleLink
Anda sentiasa mengimpikan kesihatan yang baik supaya dapat berada di sisi insan tersayang
pada setiap masa. Namun, anda sedar bahawa kehidupan penuh dengan dugaan tidak
Ciri-ciri
KPQHUNRH

Perlindungan Untuk )H`HYHU[HTIHOHU Manfaat balas ihsan

Kematian atau Hilang untuk Kematian akibat RM3,000
Upaya Kekal dan Kemalangan
4LU`LS\Y\O/<24

7LYSPUK\UNHU[LYQHTPU Manfaat kematangan ;LTWVOIH`HYHU

selama 5 tahun premium fleksibel selama
5, 10, 20 tahun atau
bayaran penuh

Sentiasa perlu bersedia PeopleLink adalah pelan insurans tanpa penglibatan Pilihan kematangan polisi Potensi perolehan Fleksibiliti pertukaran
dengan premium tetap mampu milik, yang fleksibel pada umur 70, daripada dana berkaitan antara 8 dana pelaburan
untuk menghadapi cabaran menawarkan perlindungan Kematian atau Hilang 80 atau 90 tahun pelaburan
yang mendatang dengan <WH`H2LRHSKHU4LU`LS\Y\O/<24\U[\R
membantu insan tersayang anda dalam menampung
PeopleLink, ILIHURL^HUNHUQPRHZLZ\H[\ILYSHR\WHKHKPYPHUKH
Sekiranya berlaku kematian akibat kemalangan,
satu pelan perlindungan insurans anda tidak perlu bimbang kerana mereka akan
asas yang menyediakan asas kukuh TLULYPTHQ\TSHOHZHZKPPUZ\YHUZRHUZLIHNHP
`HUNÅLRZPILSWHKHTHZHRPUP\U[\R penyelesaian beban kewangan yang dihadapi. Selain
memenuhi keperluan masa hadapan. P[\WLSHUPUPQ\NHTLTILUHYRHUHUKHTLUNHTIPS
:LKPHRHUQHTPUHU[LYIHPR\U[\RPUZHU rider tambahan untuk ketenangan minda tambahan.
4HSHOHUPHQ\NHTLUH^HYRHUW\SHUNHUWLSHI\YHU
tersayang demi masa depan yang
berpotensi dengan kemudahan untuk menambah
ZLSHTH[JLYHOKHU[LYQHTPUKLUNHU UPSHPWLSHI\YHUHUKHKHYPZLTHZHRLZLTHZH+LUNHU
sumber kewangan yang utuh demi simpanan yang semakin bertambah, anda mampu
mencapai impian mereka, walaupun mencapai pelbagai matlamat kewangan yang penting
setelah anda meninggal. seperti menambahkan dana pendidikan anak-anak,
memulakan perniagaan baharu, menikmati percutian
bersama keluarga dan merancang persaraan yang
selesa.
Manfaat-manfaat Kelayakan & Syarat
Manfaat kematian Manfaat Hilang Upaya Kekal
1PRHILYSHR\RLTH[PHU dan Menyeluruh (HUKM) Umur penyertaan OHYPQHKPILYPR\[U`H
insan tersayang anda akan Pelan ini membantu meringankan
TLULYPTH1\TSHO beban kewangan yang mungkin Minimum Maksimum
(ZHZ+PPUZ\YHUZRHUILYZHTH dihadapi oleh anda dan insan
UPSHPHRH\UKP[VSHRTHUH tersayang sekiranya HUKM
70 tahun untuk tempoh polisi 80/90
mana Manfaat Hilang Upaya dialami sebelum umur 70 tahun 30 hari
Kekal dan Menyeluruh OHYPQHKPILYPR\[U`HKLUNHU 60 tahun untuk tempoh polisi 70
/<24`HUNKPIH`HYKHU TLTIH`HY1\TSHO(ZHZ
sebarang hutang di bawah +PPUZ\YHUZRHUILYZHTHUPSHP Tempoh Perlindungan
WLSHUPUP\U[\RTLTIHU[\ HRH\UKP[VSHRZLIHYHUNO\[HUNKP
Pilihan umur sehingga 70, 80 or 90.
menampung keperluan IH^HOWLSHUPUPZLSLWHZI\SHU
kewangan mereka. dari tarikh diagnosis.
Tempoh Bayaran Premium
Manfaat Belas Pilihan 5, 10, 20 atau bayaran penuh
Manfaat Kematian akibat Kemalangan Ihsan
Insan tersayang anda akan menerima 200% Sekiranya berlaku Jumlah Asas Diinsuranskan
1\TSHO(ZHZ+PPUZ\YHUZRHUILYZHTHUPSHP kematian, insan
HRH\UKP[VSHRTHUHTHUH4HUMHH[/PSHUN tersayang anda Minimum Maksimum
<WH`H2LRHSKHU4LU`LS\Y\O/<24 akan menerima
Q\TSHO[HTIHOHU
yang dibayar dan sebarang hutang di sebanyak RM3,000 RM50,000 RM450,000
IH^HOWLSHUPUP\U[\RTLUHTW\UNILIHU untuk membantu
RL^HUNHUQPRHILYSHR\RLTH[PHUHRPIH[ mereka menampung
kemalangan. WLYILSHUQHHU Premium Tetap
pengebumian.
Minimum RM1,500 setahun

Perlindungan Terjamin selama 5 Tahun

Premium Tambah Nilai Tetap (Pilihan)
Untuk memastikan anda terus menikmati
WLYSPUK\UNHUJHQPUZ\YHUZKHU`\YHUSHPUHRHU Minimum RM120 setahun
KP[VSHRKHYPWHKHUPSHPHRH\UZLWHUQHUN[LTWVO KHSHTNHUKHHU94ZL[HO\U
polisi apabila nilainya mencukupi. Untuk 5
[HO\UWVSPZPWLY[HTHHUKHKPQHTPUIHOH^H Premium Tambah Nilai Pelaburan Tunggal
pelan anda akan terus berkuatkuasa walaupun Minimum RM100
nilai akaun tidak mencukupi untuk menampung KHSHTNHUKHHU94
JHQ1 ini. Walau bagaimanapun, tambah nilai
mungkin diperlukan untuk nilai akaun yang
tidak mencukupi bermula dari tahun polisi ke-6.

1
Manfaat +LUNHUZ`HYH[IHOH^HKHSHT[LTWVO[HO\UWVSPZPWLY[HTH!
Kematangan ‹7YLTP\T\U[\RWLSHUPUP[LSHOKPIH`HYWHKHH[H\ZLILS\T
Setelah pelan ini setiap tarikh tamat dalam tempoh tenggang; dan
matang, anda akan ‹7LYJ\[PHUWYLTP\T[PKHRWLYUHOKPSHRZHUHRHU"KHU
menerima nilai akaun ‹;PHKHWLUNLS\HYHUUPSHPHRH\U"KHU
pelaburan demi ‹:LIHYHUNRLUHPRHUWYLTP\T`HUNKPRLOLUKHRPVSLO:`HYPRH[ Nota: Tambah nilai boleh dilakukan pada bila-bila masa dalam tempoh polisi tanpa mengira
memenuhi aspirasi untuk memastikan kemampanan polisi tersebut hendaklah pilihan tempoh premium anda.
kewangan anda. dibayar dengan segera dalam tempoh tenggang.
Jenis Dana Yang Disediakan

Dana Ekuiti Dana Seimbang Dana Pendapatan Dana Dividen

Jenis Pelaburan Jenis Pelaburan Jenis Pelaburan Jenis Pelaburan

Melabur ke dalam ekuiti bermutu Melabur ke dalam campuran ekuiti, Melabur ke dalam campuran sekuriti Melabur ke dalam sekuriti bermutu tinggi
[PUNNP`HUNKPZLUHYHPRHUKP)\YZH sekuriti berpendapatan tetap, dan berpendapatan tetap dan simpanan dengan tumpuan kepada hasil dividen
Malaysia simpanan tetap. tetap. `HUNKPZLUHYHPRHUKP)\YZH4HSH`ZPH

Profil Pelabur Profil Pelabur Profil Pelabur Profil Pelabur

Sedia menanggung risiko lebih tinggi Sedia menanggung risiko sederhana Sedia menanggung risiko rendah Untuk pelabur risiko sederhana yang
untuk pulangan lebih tinggi, dalam untuk pulangan sederhana, dalam KHSHTQHUNRHTHZHZLKLYOHUHOPUNNH lebih suka melabur ke dalam pasaran
QHUNRHTHZHZLKLYOHUHOPUNNH QHUNRHTHZHZLKLYOHUHOPUNNH WHUQHUN LR\P[PKHSHTQHUNRHTHZHZLKLYOHUH
WHUQHUN\U[\RSPTH[HO\UH[H\SLIPO WHUQHUN\U[\R[PNH[HO\UH[H\SLIPO OPUNNHWHUQHUN

Dana Jati Dana Global Yakin Dana AsiaPac Dana Titan

Jenis Pelaburan Jenis Pelaburan Jenis Pelaburan Jenis Pelaburan

Melabur ke dalam sekuriti yang Melabur ke dalam ekuiti patuh- 4LSHI\YRLKHSHT*04): 7 4LSHI\YKHSHT4`,;-+V^1VULZ
diluluskan oleh Syariah, dalam Syariah dan sekuriti berkaitan ekuiti. ,[OPJHS+P]PKLUK(ZPH7HJPMPJ,;- <:;P[HUZ\U[\RTLYHPOW\SHUNHU
campuran ekuiti, sekuriti berpendapatan Produk asas insurans ini bukan `HUNKPZLUHYHPRHUKP)\YZH:HOHT pelaburan yang berkaitan rapat
tetap, dan simpanan tetap. Produk asas produk patuh-Syariah kerana ia tidak Singapura. KLUNHUWYLZ[HZPPUKLRZ+V^1VULZ
insurans ini bukan produk patuh-Syariah tertakluk kepada Akta Perkhidmatan 0ZSHTPJ4HYRL[<:;P[HUZ
kerana ia tidak tertakluk kepada Akta Kewangan Islam 2013.
Perkhidmatan Kewangan Islam 2013.

Profil Pelabur Profil Pelabur Profil Pelabur Profil Pelabur

Melabur ke dalam sekuriti yang Untuk pelabur risiko tinggi yang Untuk pelabur risiko sederhana yang Untuk pelabur yang ingin menikmati
diluluskan oleh Syariah, dan sedia lebih suka melabur ke dalam syarikat memilih untuk melabur dalam ekuiti kepelbagaian dan peluang pelaburan dalam
menanggung risiko lebih tinggi untuk berportfolio antarabangsa dalam yang menghasilkan dividen tinggi di ekuiti yang mematuhi prinsip Syariah di
W\SHUNHUSLIPO[PUNNPKHSHTQHUNRH beberapa negara yang mempunyai rantau Asia Pasifik. pasaran A.S dan instrumen kewangan cair
THZHZLKLYOHUHOPUNNHWHUQHUN potensi pertumbuhan yang baik. KLUNHUJPYPJPYPWLUQLQHRHUPUKLRZ

Nota-nota :
‹ 0UPI\RHUWYVK\RWH[\O:`HYPHO>HSH\IHNHPTHUHW\U+HUH1H[P+HUH;P[HUKHU+HUH.SVIHS
@HRPUTLSHI\YKHSHTZLR\YP[PWH[\O:`HYPHOKHUHRHU[LY\ZILYI\H[KLTPRPHU<U[\RTHRS\TH[
SHUQ\[TLUNLUHPSKHUHKHUH`HUN[LYZLI\[KPH[HZZPSHY\Q\RRLWHKH3HTWPYHU-HR[H+HUH
‹ KHYPWHKHRHKHYWYLTP\T[\UNNHS[PKHR[LY\U[\RHRHUKPN\UHRHU\U[\RTLTIH`HYRVTPZLU
kepada pengantara dan perbelanjaan pengurusan.
Peruntukan Premium Yuran & Caj

Premium yang diperuntukkan akan digunakan untuk membeli unit dalam dana berkaitan Caj Insurans
pelaburan pilihan anda. Sementara sebahagian daripada premium yang tidak diperuntukkan *HQPUZ\YHUZKP[VSHRZL[PHWI\SHUKHYPWHKHUPSHPHRH\U\U[\RTLTIH`HYWLYSPUK\UNHU
HRHUKPN\UHRHU\U[\RTLTIH`HYRVTPZLUWLUNHU[HYHKHUWLYILSHUQHHUWLUN\Y\ZHU1HK\HS PUZ\YHUZ*HQPUZ\YHUZPUPILYILaHTLUNPR\[\T\Y[LYJHWHPQHU[PUHWLRLYQHHUKHUWLUHYHMHU
ILYPR\[TLU\UQ\RRHURHKHYWLY\U[\RHUWYLTP\T\U[\RWYLTP\T[L[HW WLY\IH[HU*HQPUZ\YHUZTLUPUNRH[ZLPYPUNKLUNHU\ZPHHUKHKHU[PKHR[LYQHTPU

Caj Pengeluaran Separa

% Peruntukan premium (%)
Pengeluaran Separa Minimum : RM250
Tahun )HRP+HUH4PUPT\TZLSLWHZ7LUNLS\HYHU:LWHYH!94
Tempoh Premium:
Tempoh Premium: Tempoh Premium:
20 tahun dan ke
5 tahun 10 tahun Yuran Polisi
atas
RM6 sebulan untuk semua mod kekerapan.
1 85 75 60

2 85 75 60 Yuran Pertukaran Dana

+PRL[LWPRHU
3 90 85 60
Yuran Tambah Nilai
4 90 85 80
+PRL[LWPRHU
5 100 90 80
Caj Pengurusan Dana
6 90 80
Jenis Dana Caj Pengurusan Dana
7 100 100
+HUH,R\P[P 1.40% setahun
8 100 100
+HUH1H[P 1.35% setahun
9 100 100
+HUH:LPTIHUN 1.25% setahun
10 100 100
+HUH+P]PKLU 1.50% setahun
11 ke atas 100
+HUH(ZPH7HJ 1.20% setahun
2HKHYWLY\U[\RHUWYLTP\T\U[\RRLK\HK\H7YLTP\T;HTIHO5PSHP;L[HWKHU7YLTP\T
;HTIHO5PSHP7LSHI\YHU;\UNNHSHKHSHO \U[\RZL[PHW[HO\U +HUH.SVIHS@HRPU 1.20% setahun

+HUH7LUKHWH[HU 1.00% setahun

+HUH;P[HU 1.20% setahun

Nota: Kami berhak membuat semakan semula bagi caj-caj di atas dengan memberikan notis
3 bulan terlebih dahulu kepada anda.
Soalan Anda Dijawab

Apakah PeopleLink? Apakah had dan pengecualian polisi ini?

PeopleLink ialah pelan berkaitan pelaburan tanpa penyertaan dengan premium H 4HUMHH[2LTH[PHU[PKHRHRHUKPIH`HYQPRH/H`H[`HUN+PPUZ\YHUZRHU
tetap yang menawarkan pilihan tempoh pembayaran premium selama 5/10/20 TLUPUNNHSK\UPHHRPIH[WLY[HY\UNHURLJLKLYHHUKPYP`HUNKPZLUNHQHRHUH[H\
tahun atau bayaran penuh. Pelan ini menawarkan pilihan kematangan pada usia bunuh diri, sama ada semasa waras atau tidak waras dalam masa tiga belas
70/80 atau 90 tahun. I\SHUKHYP;HYPRO7VSPZP+PRLS\HYRHUH[H\[HYPROWLUNLTIHSPHUZLT\SH
Pelan ini menawarkan manfaat-manfaat berikut: polisi, yang berlaku terkemudian.
H4HUMHH[2LTH[PHUKHU/PSHUN<WH`H2LRHSKHU4LU`LS\Y\O/<24 I 4HUMHH[/PSHUN<WH`H2LRHSKHU4LU`LS\Y\O/<24[PKHRHRHUKPIH`HY
untuk apa-apa hilang upaya yang disebabkan secara langsung atau tidak
b. Manfaat Kematian akibat Kemalangan langsung, secara keseluruhan dan sebahagiannya oleh: cubaan bunuh diri
c. Manfaat belas ihsan sebanyak RM3,000 H[H\TLUJLKLYHRHUKPYPZLUKPYPH[H\TLUQHUNRP[PKPYPZLTHZH^HYHZH[H\
7LSHUPUPQ\NHTLU`LKPHRHU1HTPUHU;HUWH3\W\ZZLWHUQHUN[HO\UWLY[HTH [PKHR^HYHZ"WLYROPKTH[HURL[LU[LYHHUH[H\[LU[LYHSH\[KHSHTTHZHWLYHUN
yang diisytiharkan atau tidak diisytiharkan atau di bawah perintah untuk
operasi perang atau pemulihan ketenteraman awam.
c. Manfaat Kematian akibat Kemalangan tidak melindungi kematian akibat
Bolehkah saya menambah perlindungan lain kepada PeopleLink? kemalangan yang disebabkan secara langsung atau tidak langsung, secara
Anda boleh melampirkan pelbagai rider pemotongan unit kepada pelan ini. keseluruhan atau sebahagian, oleh: serangan atau pembunuhan, rusuhan
,QLULQLURHTPILYZLKPH\U[\RTLU`HYHURHUYPKLYILYZLZ\HPHU\U[\RTLTLU\OP atau kekecohan awam, mogok atau aktiviti pengganas, pemusnahan diri
keperluan anda. ZLTHZH^HYHZH[H\[PKHR^HYHZ"WLYROPKTH[HURL[LU[LYHHUH[H\[LU[LYHSH\[
dalam masa perang yang diisytiharkan atau tidak diisytiharkan, atau semasa
di bawah perintah untuk operasi perang atau pemulihan ketenteraman
awam.
Bagaimana mengetahui harga unit bagi dana saya?
:`HYPRH[HRHUTLULU[\RHU/HYNH;H^HYHUZL[PHWOHYP(UKHIVSLOTLUNL[HO\P
harga unit anda melalui www.mcis.my.

Apakah pilihan yang tersedia untuk Kekerapan dan Kaedah Bayaran

Premium?
Anda boleh memilih untuk membayar premium anda secara tahunan, setengah
[HO\UHUZ\R\[HO\UHUH[H\I\SHUHU7LTIH`HYHUIVSLOKPI\H[TLSHS\P1VT7(@
2HK2YLKP[+LIP[(\[V+LIP[RHLKHO7LTIH`HYHU3HUNZ\UNH[H\7V[VUNHU
Angkasa.

Bolehkah saya menyerahkan polisi saya?

@H(UKHIVSLOTLU`LYHORHUWVSPZPWHKHIPSHIPSHTHZH[HUWHZLIHYHUNJHQ
dikenakan. Sila ambil perhatian bahawa pembelian polisi hayat premium
[L[HWTLY\WHRHURVTP[TLUQHUNRHWHUQHUNKHUHUKH[PKHRKPNHSHRRHU\U[\R
memegang polisi untuk tempoh masa yang singkat memandangkan kos
WLYT\SHHU`HUN[PUNNP:PSHY\Q\R0S\Z[YHZP1\HSHU\U[\RTHRS\TH[SHUQ\[

5V[H!:LUHYHPKPH[HZ[PKHRSLUNRHW:PSHY\Q\R2VU[YHR7VSPZP\U[\RI\[PYHUTLU`LS\Y\O
Nota Penting
1. Risalah ini memberikan keterangan ringkas tentang produk insurans dan tidak boleh
KPHUNNHWZLIHNHPRVU[YHRPUZ\YHUZ:PSHY\Q\R2VU[YHR7VSPZP\U[\RTHRS\TH[SHUQ\[KHU
butiran lengkap kerana pengecualian dan had yang dipaparkan di dalam risalah ini adalah
tidak menyeluruh.
 (UKHKPUHZPOH[RHU\U[\RTLY\Q\RRLWHKH0S\Z[YHZP1\HSHU\U[\RTHRS\TH[SHUQ\[
3. Sila baca dan fahami Lampiran Penerangan Produk untuk produk ini.
4. Anda perlu yakin bahawa pelan ini memenuhi keperluan anda dan premium yang perlu
KPIH`HYKPIH^HOWVSPZPHKHSHOQ\TSHO`HUNHUKHTHTW\IH`HY
5. Anda boleh membatalkan polisi ini dalam tempoh bertenang 15 hari selepas anda
menerima polisi. Syarikat akan mengembalikan kepada anda premium yang tidak
KPWLY\U[\RRHUUPSHPHRH\UKPWLY\U[\RRHUQPRHHKHKHUZLIHYHUNJHQPUZ\YHUZKHU`\YHU
polisi yang telah dipotong, ditolak sebarang yuran perubatan yang ditanggung.
 1PRHHUKHTLUHTH[RHUWVSPZPHUKHWHKH[HO\U[HO\UH^HSHUKHT\UNRPUTLUKHWH[
IHSPRHTH\U`HUNR\YHUNKHYPWHKHQ\TSHOHTH\U`HUN[LSHOHUKHIH`HY
7. Oleh kerana ini adalah insurans berkaitan pelaburan, anda akan menentukan dana
pelaburan pilihan anda dan menerima risiko pelaburan.
8. Sila ambil perhatian bahawa melaksanakan “premium holiday” boleh menyebabkan polisi
HUKHS\W\[(UKHHRHURLOPSHUNHUTHUMHH[7LYSPUK\UNHU;LYQHTPU;HO\UQPRHWYLTP\T
holiday dilaksanakan dalam tempoh 5 tahun pertama polisi.
9. Pelan ini adalah produk insurans dan ia bergantung kepada prestasi aset-aset dasar, dan
ia bukan produk pelaburan yang tulen seperti unit amanah.
10. Nilai unit adalah berdasarkan pencapaian sebenar dana-dana berkait pelaburan dan ia
[PKHRKPQHTPU
 7LUJHWHPHUKHO\S\T\UNRPU[PKHRIVSLOKPQHKPRHUZLIHNHPWHUK\HU`HUN[LWH[\U[\R
WLUJHWHPHUHRHUKH[HUN`HUNILYRLT\UNRPUHUILYILaH
12. Anda boleh menggunakan kemudahan tambah nilai sebagai cara memaksimumkan nilai
pelaburan polisi.
 :PSHHTIPSWLYOH[PHUIHOH^HTLTILSP[LYSHS\IHU`HRYPKLYWLTV[VUNHU\UP[QPRHHKH
boleh mengurangkan unit-unit dana berkaitan pelaburan.
14. Sekiranya anda memerlukan maklumat tambahan mengenai insurans berkaitan
WLSHI\YHUZPSHY\Q\RRLWHKHI\R\PUZ\YHUJLPUMVTLUNLUHP¸0UZ\YHUZ)LYRHP[HU
7LSHI\YHU¹(UKHIVSLOTLUKHWH[RHUZH[\ZHSPUHUKHYPWHKHLQLURHTPH[H\SH^H[P
www.insuranceinfo.com.my.
15. Anda layak menikmati pelepasan cukai peribadi untuk premium insurans hayat daripada MCIS INSURANCE BERHAD
pembelian pelan ini, tertakluk kepada terma dan syarat yang dikenakan oleh Lembaga
4*0:0UZ\YHUJL)LYOHKTLY\WHRHUHOSP7LYIHKHUHU0UZ\YHUZ
/HZPS+HSHT5LNLYP:PSHY\Q\RRLWHKHWLUHZPOH[J\RHPHUKHTLUNLUHPRLSH`HRHUHUKH
+LWVZP[4HSH`ZPH70+4:LIHNHPHOSP70+4ILILYHWHTHUMHH[
AHLI
7LSLWHZHUJ\RHPHKHSHO[LY[HRS\RRLWHKHRLW\[\ZHUT\R[HTHK3LTIHNH/HZPS+HSHT
yang diinsuranskan di bawah polisi insurans yang ditawarkan oleh
5LNLYP<U[\RTHRS\TH[SHUQ\[ZPSHSH`HYPwww.hasil.gov.my atau hubungi Lembaga
4*0:0UZ\YHUJL)LYOHKKPSPUK\UNPVSLO70+4KHYPWHKHRLOPSHUNHU
Hasil.
sebahagian atau kesemua manfaat insurans, sekiranya berlaku
RLNHNHSHUZLZLI\HOHOSPWLUNPUZ\YHUZ<U[\RTHRS\TH[SHUQ\[
mengenai had-had perlindungan dan skop perlindungan, sila
KHWH[RHUYPZHSHOTHRS\TH[70+4KHYP4*0:0UZ\YHUJL)LYOHKH[H\
SH`HYPSHTHU^LI70+4^^^WPKTNV]T`H[H\O\I\UNP[HSPHU
ILIHZ[VS70+4
 /LHK6ɉJL Customer Contact Centre
Call us and we’ll tell you more. Wisma MCIS ;LS
<U[\RRL[LYHUNHUSHUQ\[ZPSHO\I\UNPRHTP 1HSHU)HYH[
7L[HSPUN1H`H Email
:LSHUNVY+HY\S,OZHU
603 7652 3388 Malaysia
[email protected]

Homepage
Mailing Address www.mcis.my
76)V_
1HSHU:\S[HU
 7L[HSPUN1H`H
:LSHUNVY+HY\S,OZHU
Malaysia

Underwritten by: MCIS Insurance Berhad<

MCIS Insurance Berhad is licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.
RPMAR/V2/NOV2019