FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 1 of 15

PRODUCT WRITE-UP
PLAN NAME: GREAT MEDICARE 2
PLAN CODES: H209 (for GMC2150)
H210 (for GMC2200)
H211 (for GMC2300)
H212 (for GMC2400)
LAUNCH DATE: 2
nd
JUNE 2009


PLAN DESCRIPTION
This is an individual non-participating, stand-alone comprehensive medical insurance policy.

Premium may be renewable up to the age of 79 years next birthday, subject to portfolio withdrawal. Annual
premium chargeable in any policy year depends on the attained age next birthday of the life assured at
renewal.

Benefits provided are subjected to individual annual and life time limits, as stated in the Schedule of
Benefits.


PLAN BENEFITS
In the event of medical expenses incurred on the life assured due to accident or illness (subject to
exclusions) or any other covered eventuality, the policy will reimburse such expenses based on the relevant
co-insurance percentages and minimum co-insurance amounts, up to the limits and sub-limits according to
the plan purchased as stated in the Schedule of Benefits.

Whilst, in the event of expenses incurred on the insured where the expenses is claimed from other medical
plans from other companies or within Great Eastern (the Company), the co-insurance and/or deductible of
other medical plans from other companies or within the Company which to be imposed on the Life Assured
can be claimed from this plan, up to the limits and sub-limits according to the plan purchased as stated in
the Schedule of Benefits. The reimbursement of the co-insurance and/or deductible of other medical plans
from other Companies or within the Company is subject to Great MediCare 2 co-insurance.

Compensation may be claimed from the start of a course of the covered treatment until the time it is
confirmed by the medical opinion acceptable to the Company that such treatment is no longer necessary.

Medical reimbursements provided under the policy shall commence for:
1. Illness occurring after 30 days from the effective date of the policy; or
2. Accidental injury occurring on or after the effective date of the policy.

Four types of plans available:
1. GMC2-150 for Room & Board RM150
2. GMC2-200 for Room & Board RM200
3. GMC2-300 for Room & Board RM300
4. GMC2-400 for Room & Board RM400












FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 2 of 15


SCHEDULE OF BENEFITS


No.


Insured Benefits
(H209)
GMC2-150
(RM)

(H210)
GMC2-200
(RM)
(H211)
GMC2-300
(RM)
(H212)
GMC2-400
(RM)
1 Hospital Room and Board (R&B)
(Limit per Day subject to a maximum of
180 days for Insured Benefits (1) and (2)
in aggregate)

150

200

300

400
2 Intensive Care Unit (ICU)
(Limit per Day subject to a maximum of
180 days for Insured Benefits (1) and (2)
in aggregate)

As charged subject to Overall Annual Limit and Overall
Lifetime Limit.
3 Hospital Supplies and Services

As charged subject to Overall Annual Limit and Overall
Lifetime Limit.

Reimbursement of Reasonable and Customary Charges
which is consistent with those usually charged to a ward or
Room & Board accommodation which is approximate to and
within the daily limit of the amount stated in Hospital Room
and Board benefit under the plan insured.

Subject to 10% co-insurance, up to a maximum of RM500.


20% co-insurance and no maximum capping if upgradeRoom
& Board.


4 Surgical Fees
5 Operating Theatre
6 Anaesthetist Fees
7 In Hospital Physician Visit
(2 visits per day)
8 Pre-Hospitalisation Diagnostic Tests
(Within 60 days before hospitalisation)
9 Pre-Hospitalisation Specialist
Consultation
(Within 60 days before hospitalisation)
10 Post-Hospitalisation Treatment
(Within 90 days after hospital discharge)
11 Organ Transplant
12 Ambulance Fees
13 Day Surgery
14 Outpatient Cancer Treatment

As charged subject to Overall Annual Limit and Overall
Lifetime Limit.

Subject to 10% co-insurance.
15 Outpatient Kidney Dialysis Treatment
16 Emergency Accidental Outpatient
Treatment
(Maximum 30 days from date of accident)

3,000

4,000

6,000

8,000
17 Daily-Cash Allowance at Malaysian
Government Hospital
(Maximum 120 days)

50 per day

18 Overall Annual Limit for Items (1) to (17)
(Based on Paid Amount)
90,000 120,000 160,000 200,000
19 Overall Lifetime Limit for items (1) to (17)
(Based on Paid Amount)
360,000 4
80,000
640,000 800,000
20 Executive Second Opinion (ESO) In accordance with benefit provisions in
Executive Second Opinion
21 Supreme Assist
(Emergency Medical Assistance Services)
In accordance with benefit provisions in
Supreme Assist agreement




FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 3 of 15

DESCRIPTION OF BENEFITS

(1) Hospital Room and Board (R&B)
Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary room
accommodation and meals. The amount payable for this benefit shall be equal to the actual
charges made by the Hospital during Hospitalisation of the Life Assured, subject to the daily rate of
Hospital Room and Board, the maximum number of days and the limits stated in item (1) of the
Schedule of Benefits. A Life Assured will only be entitled to this benefit while confined to a Hospital
as an Inpatient.

(2) Intensive Care Unit (ICU)
Reimbursement of the Reasonable and Customary Charges for Medically Necessary actual room
and board incurred during confinement of a Life Assured as an Inpatient in the Intensive Care Unit
of a Hospital. The amount payable for this benefit shall be equal to the actual charges made by the
Hospital, subject to the maximum number of days and the limits stated in item (2) of the Schedule
of Benefits. No Hospital Room and Board benefit and Intensive Care Unit benefit shall be paid
concomitantly.

For the avoidance of doubt, if Intensive Care Unit benefit is payable for a confinement period, no
Hospital Room and Board benefit shall be payable for the same confinement period.

(3) Hospital Supplies and Services
Reimbursement of the Reasonable and Customary Charges actually incurred for:
(a) General nursing;
(b) Prescribed and consumed drugs and medicines;
(c) Dressings, splints and plaster casts;
(d) X-ray;
(e) Laboratory examinations;
(f) Electrocardiograms;
(g) Physiotherapy;
(h) Basal metabolism tests;
(i) Intravenous injections and solutions; or
(j) Administration of blood and blood plasma but excluding the cost of blood and plasma while
the Life Assured is confined as an Inpatient in a Hospital.
which is Medically Necessary, subject to the limits stated in the Schedule of Benefits.

(4) Surgical Fees
Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary
surgery by the Specialists, including Pre-Hospitalisation Specialist Consultation and Post-
Hospitalisation Treatment, subject to the limits stated in the Schedule of Benefits. If more than one
surgery is performed for Any One Disability, the total payments for all the surgeries performed shall
not exceed the limits stated in the Schedule of Benefits.

(5) Operating Theatre
Reimbursement of the Reasonable and Customary Charges incurred for operating room incidental to
Medically Necessary surgical procedure, subject to the limits stated in the Schedule of Benefits.

(6) Anaesthetist Fees
Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary
administration of anaesthesia by the anaesthetist, subject to the limits stated in the Schedule of
Benefits.

(7) In-Hospital Physician Visit
Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary
Physicians visit to an Inpatient who is confined for Disability, subject to a maximum of two (2) visits
per day and the limits stated in the Schedule of Benefits.

FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 4 of 15

(8) Pre-Hospitalisation Diagnostic Tests
Reimbursement of the Reasonable and Customary Charges incurred within sixty (60) days
preceding Hospitalisation, for Medically Necessary ECG, X-ray and laboratory tests, which are
recommended by a qualified medical practitioner and performed for diagnostic purposes on account
of an Injury or Illness and in connection with a Disability, subject to the limits stated in the Schedule
of Benefits. No payment shall be made if the Life Assured does not result in Hospitalisation for the
treatment of the medical condition diagnosed upon such diagnostic services. In addition,
medications and consultation charged by the medical practitioner shall not be payable.

(9) Pre-Hospitalisation Specialist Consultation
Reimbursement of the Reasonable and Customary Charges incurred within sixty (60) days
preceding Hospitalisation, for Medically Necessary first time consultation by a Specialist in
connection with a Disability provided that such consultation has been recommended in writing by
the attending general practitioner, subject to the limits stated in the Schedule of Benefits.
No payment shall be made for clinical treatment (including medications and subsequent consultation
after the Illness is diagnosed) or where the Life Assured does not result in Hospitalisation for the
treatment of the medical condition diagnosed.

(10) Post-Hospitalisation Treatment
Reimbursement of the Reasonable and Customary Charges incurred within ninety (90) days
immediately following discharge from Hospital for a Disability, for Medically Necessary follow-up
treatment by the same attending Physician, subject to the limits stated in the Schedule of Benefits.
This shall include Prescribed Medicines during the follow-up treatment but shall not exceed the
supply needed for the maximum of ninety (90) days from the date of discharge.

(11) Organ Transplant
Reimbursement of the Reasonable and Customary Charges incurred on transplantation surgery for
the Life Assured being the recipient of the transplant of a kidney, heart, lung, liver or bone marrow.
This benefit is applicable only once per lifetime while this Policy is in force and shall be subject to
the limits stated in the Schedule of Benefits. The costs of acquisition of the organ and all costs
incurred by the donors are not covered under this Policy.

(12) Ambulance Fees
Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary
domestic ambulance services (inclusive of attendant) to and/or from the Hospital, subject to the
limits stated in the Schedule of Benefits. No payment shall be made if the Life Assured is not
hospitalised.

(13) Day Surgery
Reimbursement of the Reasonable and Customary Charges incurred for a Medically Necessary
Day Surgery. This shall be limited to the following surgical procedures, which are commonly
performed safely as Day Surgery:
(a) Cataract removal;
(b) Colonoscopy;
(c) Extra corporeal Shock Wave Lithotripsy;
(d) Laparoscopy;
(e) Laryngoscopy;
(f) Reduction of Bone Fracture(s);
(g) Release of Carpal Tunnel Syndrome (Carpal Tunnel Decompression);
(h) Adenoidectomy
(i) Bone Marrow Aspiration and Biopsy
(j) Cystourethroscopy
(k) Endolaser Venous Surgery
(l) Endoscopic Retrograde Cholangiopancreatography
(m) Excision of Bunions
(n) Excision of Ganglion, Fibroma(s) and Breast Lump(s)
(o) Excision of Pterygium
FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 5 of 15

(p) Herniotomy / Herniorapphy
(q) Insertion or Removal of Ureteric J-Stent
(r) Laparoscopic Endometrial Ablation
(s) Marsupialisation and drainage of Bartholin's Cysts
(t) Myringotomy or Myringoplasty
(u) Release of Dupuytren's contractur
(v) Removal of Cervical Polyps
(w) Removal of Nasal Polyps
(x) Removal of Plate and Screw/implants
(y) Laser Photocoagulation treatment for Retinal Detachment
(z) Rubber Banding of Haemorrhoids

If any such surgical procedure is performed while the Life Assured is an Inpatient, only the
equivalent benefit of Day Surgery shall be paid, unless the Companys appointed medical
practitioner has given prior approval.


(14) Outpatient Cancer Treatment
If a Life Assured is diagnosed with Cancer as defined below, the Company shall reimburse the
Reasonable and Customary Charges incurred for the Medically Necessary cancer treatment
performed at a legally registered cancer treatment center, subject to the limits stated in item (14) of
the Schedule of Benefits.

Such treatment (radiotherapy or chemotherapy excluding consultation, examination tests and take
home drugs) must be received at the Outpatient department of a Hospital or a registered cancer
treatment center immediately following discharge from Hospital.

Cancer is defined as the uncontrollable growth and spread of malignant cells and the invasion and
destruction of normal tissue for which major interventionist treatment or surgery (excluding
endoscopic procedures alone) is considered necessary. The cancer must be confirmed by
histological evidence of malignancy. The following conditions are excluded:
(a) Carcinorma in situ including of the cervix;
(b) Ductal Carcinorma in situ of the breast;
(c) Papillary Carcinorma of the bladder & Stage 1 Prostate Cancer;
(d) All skin cancers except malignant melanoma;
(e) Stage 1 Hodgkin's disease;
(f) Tumours manifesting as complications of AIDS.

In addition to the exclusion of Pre-existing Illness, this benefit shall not be payable for any Life
Assured who had been diagnosed as a cancer patient and/or is receiving cancer treatment prior to
the Risk Commencement Date.

(15) Outpatient Kidney Dialysis Treatment
If a Life Assured is diagnosed with Kidney Failure as defined below, the Company shall reimburse
the Reasonable and Customary Charges incurred for the Medically Necessary kidney dialysis
treatment performed at a legally registered dialysis center, subject to the limits stated in item (15) of
the Schedule of Benefits.

Such treatment (dialysis excluding consultation, examination tests and take home drugs) must be
received at the Outpatient department of a Hospital or a registered dialysis treatment center
immediately following discharge from Hospital.

Kidney Failure means end stage renal failure presenting as chronic and irreversible failure of both
kidneys to function as a result of which renal dialysis is initiated.

FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 6 of 15

In addition to the exclusion of Pre-existing Illness, this benefit shall not be payable for any Life
Assured who has developed chronic renal diseases and/or is receiving dialysis treatment prior to
the Risk Commencement Date.

(16) Emergency Accidental Outpatient Treatment
Reimbursement of the Reasonable and Customary Charges incurred for Medical Necessary
treatment as an Outpatient at any registered Clinic or Hospital as a result of a covered bodily injury
arising from an Accident, within 24 hours of such Accident and subject to the maximum amount and
the limits stated in item (16) of the Schedule of Benefits. Follow-up treatment by the same Doctor or
same registered Clinic or Hospital for the same covered bodily injury shall be provided up to a
maximum of thirty (30) days from date of Accident, subject to the maximum amount and the limits
stated in item (16) of the Schedule of Benefits.


(17) Daily-Cash Allowance at Malaysian Government Hospital
Pays a daily allowance for each day of confinement for a covered Disability in a Malaysian
Government Hospital, provided that the Life Assured shall confine to a Hospital Room and Board
rate that does not exceed the amount stated in item (17) of the Schedule of Benefits. Contractual
change to cover and pay for the benefit even if the Life Assured is transferred to or from any private
Hospital and Malaysian Government Hospital for the covered Disability.

(18) Overall Annual Limit
The maximum of Eligible Expenses with respect to coverage of the Life Assured within any specific
Policy Year of all the Insured Benefits listed under items (1) to (17) of the Schedule of Benefits and
the said limit is specified in item (18) of the Schedule of Benefits.

(19) Overall Lifetime Limit
The limit applying to the total benefit payable, in aggregate, with respect to coverage of the Life
Assured since Risk Commencement Date and the said limit is specified in item (19) of the Schedule
of Benefits.

(20) Executive Second Opinion (ESO)
A second opinion can be obtained from an approved medical institution for any covered conditions.
The ESO services inclusive of a report which summarises the documentation of review data,
findings and observations, other treatment alternatives, recommendation for the medical
necessity of a treatment plan, procedure, length of stay, level of care, future discharge plan,
second surgical opinion issues and followed by telephone consultation from specialist, subject
to terms & conditions. This benefit is limited to one consultation per covered condition per year;
maximum entitled three consultations per lifetime.

(a) File Review
The Panel will prepare a report, which will summarize the documentation of review data,
findings and observations and other treatment alternatives. In addition, the File Review will
include a recommendation for the medical necessity of a treatment plan, procedure, length of
stay, level of care, discharge plan of future or ongoing services. Second surgical opinion issues
may also be addressed in the report.

(b) Tele-Consultation of Medical Opinion
After the receipt of the medical File Review as described in (i) above, the Life Assured shall be
entitled for a free telephone medical consultation with the Panel for a period not exceeding one
(1) hour. The telephone medical consultation refers to a medical/surgical, psychiatric or allied
health telephonic discussion on a specific case with the Panel. Issues to be addressed include
medical necessity of treatment, appropriateness of site of treatment, proper length of stay and
discharge planning which are in addition to the requirements stated in the File Review above.

The Company reserves the right to amend the provision of this benefit at any time, by giving 30-day
notice, subject to the availability of this benefit at reasonable costs from the Service Provider.
FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 7 of 15


Note:
Please refer to Appendix on page 14 - 15 for the List of Covered Conditions.


(21) Supreme Assist (Emergency Medical Assistance Services)
The company has arranged with Supreme Assist to provide Overseas and Domestic Emergency
Medical Assistance Services. The membership card will be issued to the Life Assured, which shall
be used as means of verification of eligibility for the Emergency Medical Assistance Services.

(a) Overseas Emergency Medical Assistance
The Life Assured may call Supreme Assist from anywhere in the world to obtain the
assistance or services. The following services are applicable to the Life Assured who is
traveling outside Malaysia for a period not exceeding 120 consecutive days on any one trip.

(i) Travel Assistance
Visa Information Services, Inoculation Information Services, Weather Information
Services, Foreign Exchange Information Services, Interpreter Assistance, Legal
Referral, Embassy Referral, Lost Luggage Assistance and Lost Passport
Assistance.

(ii) International Medical Assistance
Emergency Message Transmission, Telephone Medical Advice, Medical Service
Provider Referral, Arrangement of Appointments with Doctors, Arrangement for
Hospital Admission, Arrangement of Hotel Accommodation, Arrangement and
Payment of Emergency Medical Evacuation, Arrangement and Payment of
Emergency Medical Repatriation, Arrangement and Payment of Repatriation of
Mortal Remains, Arrangement and Payment of Compassionate Visit for a relative
or friend, Arrangement and Payment of Return of up to three minor children, if such
child or children is/are left unattended.

(b) Domestic Emergency Medical Assistance
(i) The following services are applicable to the Life Assured within Malaysia but
outside his state of residence in Malaysia:
Emergency Message Transmission
Medical Service Provider Referral

(ii) The following services are applicable to the Life Assured traveling outside his state
of residence in Malaysia for a period not exceeding 120 consecutive days for any
one trip:
Arrangement and Payment of Emergency Medical Evacuation
Arrangement and Payment of Emergency Medical Repatriation
Arrangement for Hospital Admission

The Company reserves the right to amend the provision of this benefit at any time, by giving a 30-
day notice, subject to the availability of this benefit at reasonable costs from the Service Provider.

The maximum amount payable by the Company in respect of this benefit on the same Life Assured
is limited to RM500,000.


UNDERWRITING GUIDELINES

1. Minimum / Maximum Age at Entry
Minimum : 30 days old attained age
Maximum : 60 years next birthday
FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 8 of 15


2. Policy Term
80 minus entry age next birthday (Only one term is allowed)


3. Underwriting for Substandard Life
The treatment for underwriting substandard lives will be to impose an extra premium loading and/or
exclusions, if any.

4. Non-Medical Limits
In general, Medical Examination is not required. However, the Company reserves the absolute right
to call for a medical examination, if necessary.


PREMIUM

1. Premium Payment Mode and Modal Factors
This is an annual premium plan but it can also be purchased with half-yearly, quarterly or monthly
premium installments.

In case where premium payments are made other than annual premium, the following factors are to
be applied to the annual premium to arrive at the installment premium:

Mode of premium payments Factors
Half-yearly 0.5100
Quarterly 0.2575
Monthly 0.0875

2. Premium Payment
Premium can be paid by cash, cheque, or credit card for all modes of payments. Cash / cheque is
not applicable for monthly premium payment mode.

3. Premium Payment Term
Premiums are payable until the age of 79 years next birthday or upon termination of the policys
contract, whichever occurs earlier.

4. Female Rates
Separate rates applicable to males and females.

5. Occupational Rates
The standard male and female rates are applicable to Occupation Classes 1 and 2.
Separate premium rates are chargeable for Occupation Classes 3 and 4.

6. Renewal / Change in Occupation
Upon notification of change in occupation (class) during any policy year, revision of premium rates
will be affected upon next premium due date. There will be no premium refund or collection during
the policy year.

7. Backdating
Not allowed.

Note:
Kindly refer to page 12 - 13 for the indicative premium rates.


FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 9 of 15


DISCOUNTS
1. Non-smoker Discount
Not applicable.

2. Group Special Discount
A family discount for 5% of office premium is given, if 2 or more family members are being insured
under medical policy.

ATTACHABLE RIDERS AND SUPPLEMENTARY BENEFITS
No riders or supplementary benefit is allowed to be attached to the policy.

Note:
Except for attachment of Premier Comprehensive Accident Benefits Exclusive Rider (P-CABE) from 02
June 2009 to 13 July 2009.


OTHER FEATURES

1. Surrender Values
This plan has no surrender value. However, upon cancellation of the policy by policyowner and
provided that no claims have been made during the policy year, the policyowner shall be entitled to
a refund of the proportionate premium paid as follows:

Period Not Exceeding
Refund of
Annual
Premium
Refund of
Semi-Annual
Premium
Refund of
Quarterly
Premium
Refund of
Monthly
Premium
15 days 90% 80% 70% No refund
1 month 80% 70% 50% No refund
2 months 70% 50% 20% No refund
3 months 60% 30% No refund No refund
4 months 50% 20% 50% No refund
5 months 40% 10% 20% No refund
6 months 30% No refund No refund No refund
7 months 25% 70% 50% No refund
8 months 20% 50% 20% No refund
9 months 15% 30% No refund No refund
10 months 10% 20% 50% No refund
11 months 5% 10% 20% No refund
Period exceeding 11 months No refund No refund No refund No refund

Note: Under such circumstance the commissions payable will be clawed-back accordingly.

2. Free-look Period
Policyowner is allowed to cancel the policy within 15 days. Under such circumstance, total premium
paid minus the expenses incurred for medical examination (if any) will be refunded and
commissions will be clawed back accordingly.

3. Assignment / Nomination
Not allowed.

4. Third-Party Policy
Allowed.
FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 10 of 15



5. Reinstatement
With effective from 3 September 2012, the reinstatement period for all standalone medical plans or
medical riders (including Hospitalisation Benefits riders) have been extended from 6 months to 12
months. This enhancement is applicable to all still-selling and withdrawn standalone medical plans
and riders. Other existing terms and conditions of reinstatement still apply.



FORMS REQUIRED FOR NEW BUSINESS SUBMISSION
1. Proposal for Assurance


EXCLUSIONS
The Company will not pay any benefit under this Policy as a result of, including of any of the following whether
directly or indirectly:

1. Pre-existing Illness;

2. Specified Illnesses occurring within the first 120 days from the Risk Commencement Date;

3. Any medical or physical conditions arising within the first thirty (30) days from the Risk
Commencement Date except for Injury;

4. Plastic/cosmetic surgery, circumcision, eye examination, glasses, lens and refraction or surgical
correction of nearsightedness and farsightedness (Radial Keratotomy or Lasik) and the use or
acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted
pacemakers and prescriptions thereof;

5. Dental conditions including dental treatment or oral surgery; except as necessitated due to Injury to
sound natural teeth occurring in any Policy Year and performed by Dentist. In addition, expenses
arising from placement of denture and prosthetic services such as bridges, implants and crowns or
their replacement will not be payable;

6. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication (including but not limited to
alcohol and drugs), sterilization, venereal disease and its sequelae, AIDS (Acquired Immune
Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any
communicable diseases required quarantine by law;

7. Any treatment or surgical operation for Congenital Conditions or deformities including hereditary
conditions;

8. Pregnancy, childbirth (including surgical delivery and any surgical or non surgical procedure of the
female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal
care and surgical, mechanical or chemical contraceptive methods of birth control or treatment
pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization;

9. Hospitalisation primarily for investigatory purposes, diagnosis, x-ray examination, general physical or
medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment
which is not Medically Necessary and any preventive treatments, preventive medicines or
examinations carried out by a Physician, and treatments specifically for weight reduction or gain;

10. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane;

FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 11 of 15

11. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed
forces, direct participation in strikes, riots and civil commotion or insurrection;

12. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from
process of nuclear fission or from any nuclear weapons material;

13. Expenses incurred for donation of any body organ by an Life Assured and cost of acquisition of the
organ including all costs incurred by the donor during organ transplant and its complications;

14. Investigations and treatment of sleep and snoring disorders, hyperhidrosis treatment, hormone
replacement therapy, stem cell therapy, PET scan and alternative therapy such as treatment,
medical service or supplies, including but not limited to chiropractic services, acupuncture,
acupressure, reflexology, bone setting, herbalist treatment, massage, hyperbaric oxygen therapy or
aromatherapy or other alternative treatment;

15. Care or treatment for which payment is not required or to the extent which is payable by any other
insurance or indemnity covering the Life Assured and disabilities arising out of duties of
employment or profession that is covered under a Workmans Compensation Insurance Contract or
from either sources in respect of Injury or Illness or Disease for which the claim is made;

16. Psychotic, mental or nervous disorders, (including any neuroses and their physiological or
psychosomatic manifestations);

17. Costs/expenses of services of a non-medical nature, such as television, telephones, telex services,
broadband services, electricity bills for hand phone charging, radios or similar facilities, admission
kit/pack and other ineligible non-medical items;

18. Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but
not limited to parachuting, sky-diving, water skiing, underwater activities requiring breathing apparatus,
winter sports, professional sports and illegal activities;

19. Engaging in aerial flights other than as a crew member or as a fare-paying passenger of an
International Airline operating on a regular scheduled route;

20. Expenses incurred for sex change;

21. Any Outpatient treatment not related to Inpatient treatment, except as provided under this Policy;

22. Any Accident caused by mosquito bites, worm infestations such as Hookworms and allergic
reaction to insect bites during the first thirty (30) days from the Risk Commencement Date;

23. Charges which are not Reasonable and Customary Charges, or any surgery or treatment which is
not Medically Necessary, or charges in excess of Reasonable and Customary Charges, or charges
which are incurred for hospitalisation, pre-hospitalisation and/or post-hospitalisation after the Expiry
Date;

24. Any medical treatment received by the Life Assured outside Malaysia, if the Life Assured resides or
travel outside Malaysia for more than ninety (90) consecutive days.

Note:
Kindly refer to individual policy contract for details of exclusions.






FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 12 of 15

ANNUAL PREMIUM RATES

1. Occupation Classes 1 & 2

MALE FEMALE

ANB

GMC2-
150
(H209)


GMC2-
200
(H210)


GMC2-
300
(H211)


GMC2-
400
(H212)


ANB

GMC2-
150
(H209)


GMC2-
200
(H210)


GMC2-
300
(H211)


GMC2-
400
(H212)

1-5 846 1,008 1,360 1,768 1-5 616 730 981 1,275
6-10 609 726 980 1,274 6-10 533 633 850 1,105
11-15 515 615 829 1,078 11-15 450 535 718 933
16-20 526 627 847 1,101 16-20 460 546 733 953
21-25 521 622 842 1,095 21-25 536 639 868 1,128
26-30 521 621 840 1,092 26-30 539 644 876 1,139
31-35 523 624 847 1,101 31-35 541 648 883 1,148
36-40 657 787 1,070 1,391 36-40 678 815 1,116 1,451
41-45 849 1,018 1,391 1,808 41-45 842 1,015 1,394 1,812
46-50 1,080 1,298 1,778 2,311 46-50 1,104 1,333 1,837 2,388
51-55 1,215 1,462 2,006 2,608 51-55 1,367 1,653 2,284 2,969
56-60 1,675 2,021 2,779 3,613 56-60 1,689 2,047 2,833 3,683
61-65* 2,513 3,032 4,169 5,420 61-65* 2,534 3,071 4,250 5,525
66-70* 3,770 4,548 6,254 8,130 66-70* 3,801 4,607 6,375 8,288
71-75* 5,655 6,822 9,381 12,195 71-75*
5,702

6,911

9,563

12,432
76-79* 8,483 10,233 14,072 18,293 76-79* 8,553 10,367 14,345 18,648
*
For renewal only.


2. Occupation Class 3

MALE FEMALE

ANB

GMC2-
150
(H209)


GMC2-
200
(H210)


GMC2-
300
(H211)


GMC2-
400
(H212)


ANB

GMC2-
150
(H209)


GMC2-
200
(H210)


GMC2-
300
(H211)


GMC2-
400
(H212)

1-5 1,058 1,260 1,700 2,210 1-5 770 913 1,226 1,594
6-10 761 908 1,225 1,593 6-10 666 791 1,063 1,381
11-15 644 769 1,036 1,348 11-15 563 669 898 1,166
16-20 658 784 1,059 1,376 16-20 575 683 916 1,191
21-25 651 778 1,053 1,369 21-25 670 799 1,085 1,410
26-30 651 776 1,050 1,365 26-30 674 805 1,095 1,424
31-35 654 780 1,059 1,376 31-35 676 810 1,104 1,435
36-40 821 984 1,338 1,739 36-40 848 1,019 1,395 1,814
41-45 1,061 1,273 1,739 2,260 41-45 1,053 1,269 1,743 2,265
46-50 1,350 1,623 2,223 2,889 46-50 1,380 1,666 2,296 2,985
51-55 1,519 1,828 2,508 3,260 51-55 1,709 2,066 2,855 3,711
56-60 2,094 2,526 3,474 4,516 56-60 2,111 2,559 3,541 4,604
61-65* 3,141 3,790 5,211 6,775 61-65* 3,168 3,839 5,313 6,906
66-70* 4,713 5,685 7,818 10,163 66-70* 4,751 5,759 7,969 10,360
71-75* 7,069 8,528 11,726 15,244 71-75* 7,128 8,639 11,954 15,540
76-79* 10,604 12,791 17,590 22,866 76-79* 10,691 12,959 17,931 23,310
*
For renewal only.
FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 13 of 15

3. Occupation Class 4

MALE FEMALE

ANB

GMC2-
150
(H209)


GMC2-
200
(H210)


GMC2-
300
(H211)


GMC2-
400
(H212)


ANB

GMC2-
150
(H209)


GMC2-
200
(H210)


GMC2-
300
(H211)


GMC2-
400
(H212)

1-5 1,269 1,512 2,040 2,652 1-5 924 1,095 1,472 1,913
6-10 914 1,089 1,470 1,911 6-10 800 950 1,275 1,658
11-15 773 923 1,244 1,617 11-15 675 803 1,077 1,400
16-20 789 941 1,271 1,652 16-20 690 819 1,100 1,430
21-25 782 933 1,263 1,643 21-25 804 959 1,302 1,692
26-30 782 932 1,260 1,638 26-30 809 966 1,314 1,709
31-35 785 936 1,271 1,652 31-35 812 972 1,325 1,722
36-40 986 1,181 1,605 2,087 36-40 1,017 1,223 1,674 2,177
41-45 1,274 1,527 2,087 2,712 41-45 1,263 1,523 2,091 2,718
46-50 1,620 1,947 2,667 3,467 46-50 1,656 2,000 2,756 3,582
51-55 1,823 2,193 3,009 3,912 51-55 2,051 2,480 3,426 4,454
56-60 2,513 3,032 4,169 5,420 56-60 2,534 3,071 4,250 5,525
61-65* 3,770 4,548 6,254 8,130 61-65* 3,801 4,607 6,375 8,288
66-70* 5,655 6,822 9,381 12,195 66-70* 5,702 6,911 9,563 12,432
71-75* 8,483 10,233 14,072 18,293 71-75* 8,553 10,367 14,345 18,648
76-79* 12,725 15,350 21,108 27,440 76-79* 12,830 15,551 21,518 27,972
*
For renewal only.































FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 14 of 15

Appendix:

(A) List of Covered Conditions:

1) Heart Attack
2) Stroke
3) Coronary Artery Disease Requiring Surgery
4) Cancer
5) Kidney Failure
6) Fulminant Viral Hepatitis
7) Major Organ Transplant
8) Paralysis / Paraplegia
9) Multiple Sclerosis
10) Primary Pulmonary Arterial Hypertension
11) Blindness
12) Heart Valve Replacement
13) Loss Of Hearing / Deafness
14) Surgery To Aorta
15) Loss of Speech
16) Alzheimers Disease / Irreversible Organic Degenerative Brain Disorders
17) Major Burns
18) Coma
19) Terminal Illness
20) Motor Neuron Disease
21) AIDS Due To Blood Transfusion
22) Parkinsons Disease
23) Chronic Liver Disease
24) Chronic Lung Disease
25) Major Head Trauma
26) Aplastic Anaemia
27) Muscular Dystrophy
28) Benign Brain Tumour
29) Encephalitis
30) Poliomyelitis
31) Brain Surgery
32) Bacterial Meningitis
33) Other Serious Coronary Artery Disease
34) Apallic Syndrome
35) AIDS Cover of Medical Staff
36) Full Blown AIDS
37) Angioplasty
38) Medullary Cystic Kidney
39) Cardiomyopathy
40) Systemic Lupus Erythematosus with Lupus Nephritis (SLE)

ESO Service will be arranged for a Covered Condition under (41) to (49) if the Life Assured is diagnosed of
any such Covered Conditions after the Waiting Period and before he attains the age of twenty-one (21)
years next birthday. If the evidence or opinion of a consultant paediatrician is required for any of the
Covered Conditions (41) to (49) on a Life Assured over the age of fourteen (14) years next birthday, the
requirement for evidence or opinion of a consultant paediatrician may be substituted by that of an
appropriate attending medical practitioner at the sole discretion of the Company or Supreme Assist.
41) Bone Marrow Transplant
42) Glomerulonephritis with Nephrotic Syndrome
43) Insulin Dependent Diabetes Mellitus
44) Intellectual Impairment due to Accident or Sickness
FOR INTERNAL REFERENCE ONLY

CFE/PWU/GREAT MEDICARE 2 (H209, H210, H211, H212)/12.10.12 Page 15 of 15

45) Kawasaki Disease with Heart Complications
46) Leukaemia
47) Rheumatic Fever with Valvular Impairment
48) Severe Asthma
49) Severe Juvenile Rheumatoid Arthritis (including Stills Disease)


(B) Definition:

Specified Illnesses means the following disabilities and its related complications, occurring within the
first 120 days from the Risk Commencement Date. However, if there is a break in coverage prior to the
expiry of the said 120 days, a fresh period of 120 days shall apply again from the date of reinstatement:
(a) Hypertension, diabetes mellitus and Cardiovascular disease;
(b) All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system;
(c) All ear, nose (including sinuses) and throat conditions, excluding flu and sore-throat;
(d) Hernias, haemorrhoids, fistulae, hydrocele, varicocele;
(e) Endometriosis including disease of the Reproduction system;
(f) Vertebro-spinal disorders (including disc) and knee conditions.

-End-