Home -> Value Added Services - ING I.ProtectionPLUS & ING I.EduSAVE

Special Features :

Life Insurance coverage on Death on all causes, Total Permanent Disability and Accidental Death Coverage
Funeral Expenses
Dread Disease Permanent Partial Disability and Hospital income Benefit (Optional)
High Cash Return 60% (IPP) AND 70% (IES)

Competitive, Single Premium Rate

24 Hours, Worldwide Protection

Portable even after you leave the bank

Continuation Option for your Children, even after members' policy have matured

Convenience of Payment

Education Excellence Award (ING IEduSAVE only)

This new scheme allows members to withdraw a portion of their savings component WITHOUT surrending the policy (thus avoiding loss of insured value).

ING I.Protection^PLUS(for you and your spouse)

BASIC BENEFIT						SUPPLEMENTARY BENEFITS								Entry Age Min16years; Max 54 years Maturity Age 65 years
Plan	Sum Insured (RM)				Monthly Premium (RM)	Monthly Premium (RM)
	Life		Total Permanent Disability	Funeral Expenses		Age (Nearest Birthday)
	Natural	Accidental				16 -35 years		36 - 45 years		46 - 55 years		56 - 65 years
	Natural	Accidental				PPD	DD	PPD	DD	PPD	DD	PPD	DD
A	20 000 + ACB	40 000 + ACB	20 000 + ACB	1 000	20	1	4.8	1.6	7.2	4.8	15.6	10	27.4
B	30 000 + ACB	60 000 + ACB	30 000 + ACB	1 000	30	1.5	7.2	2.4	10.8	7.2	23.4	15	41.1
C	50 000 + ACB	100 000 + ACB	50 000 + ACB	2 000	50	2.5	12	4	18	12	39	25	68.5
D	70 000 + ACB	140 000 + ACB	70 000 + ACB	3 000	70	3.5	16.8	5.6	25.2	16.8	54.6	35	95.9
E	100 000 + ACB	200 000 + ACB	100 000 + ACB	4 000	100	5	24	8	36	24	78	50	137
F	150 000 + ACB	300 000 + ACB	150 000 + ACB	5 000	150	7.5	36	12	54	36	117	75	205.5
G	200 000 + ACB	400 000 + ACB	200 000 + ACB	5 000	200	10	48	16	72	48	156	100	274
H	250 000 + ACB	500 000 + ACB	250 000 + ACB	5 000	250	12.5	60	20	90	60	195	125	342.5
I	300 000 + ACB	600 000 + ACB	300 000 + ACB	5 000	300	15	72	24	108	72	234	150	411
J	350 000 + ACB	700 000 + ACB	350 000 + ACB	5 000	350	17.5	NA	28	NA	84	NA	175	NA
K	400 000 + ACB	800 000 + ACB	400 000 + ACB	5 000	400	20	NA	32	NA	96	NA	200	NA
L	450 000 + ACB	900 000 + ACB	450 000 + ACB	5 000	450	22.5	NA	36	NA	108	NA	225	NA
M	500 000 + ACB	1 000 000 + ACB	500 000 + ACB	5 000	500	25	NA	40	NA	120	NA	250	NA

SUPPLEMENTARY BENEFITS
Hospital Income Benefit
Plan	Benefit Per Day (RM)	Monthly Premium (RM)/Age (Nearest Birthday)
Plan	Benefit Per Day (RM)	16 - 35 years	36 - 45 years	46 - 55 years	56 - 56 years
1	30	2.93	3.25	3.78	4.00
2	50	4.88	5.42	6.29	6.67
3	80	7.80	8.67	10.07	10.67

ING I.EduSAVE (for your children)

BASIC BENEFIT						SUPPLEMENTARY BENEFITS				Entry Age Min1 Month; Max 19 years Maturity Age 21 years or 24 years if studying
Plan	Sum Insured (RM)				Monthly Premium (RM)	Monthly Premium (RM)
	Life		Total Permanent Disability	Funeral Expenses		Age (Nearest Birthday)
	Natural	Accidental				0 - 15 years		16 - 19 years
	Natural	Accidental				PPD	DD	PPD	DD
A	20 000 + ACB	40 000 + ACB	20 000 + ACB	1 000	20	0.6	2.4	1	4.8
B	30 000 + ACB	60 000 + ACB	30 000 + ACB	1 000	30	0.9	3.6	1.5	7.2
C	50 000 + ACB	100 000 + ACB	50 000 + ACB	2 000	50	1.5	6	2.5	12
D	70 000 + ACB	140 000 + ACB	70 000 + ACB	3 000	70	2.1	8.4	3.5	16.8
E	100 000 + ACB	200 000 + ACB	100 000 + ACB	4 000	100	3	12	5	24
F	150 000 + ACB	300 000 + ACB	150 000 + ACB	5 000	150	4.5	18	7.5	36

SUPPLEMENTARY BENEFITS
Hospital Income Benefit
Plan	Benefit Per Day (RM)	Monthly Premium (RM)/Age (Nearest Birthday)
Plan	Benefit Per Day (RM)	0 - 16 years	16 - 19 years
1	30	2.86	2.93
2	50	4.77	4.88
3	80	7.63	7.80

Note:-
ACB : Accumulated Cash Benefit
PPD : Permanent Partial Disability
DD : Dread Disease

ACCUMULATED CASH BENEFIT (ACB) : PROJECTED RETURNS

Note : The ACB calculation below are for illustration only (based on 5% interest rate) and are not guaranteed. The actual interest rate that would be declared may change from time to time depending on the operating and investment results experienced by the Insurer.

Monthly	ING I.ProtectionPLUS								60% Returns *
Premium	Year (Length of Contribution)
(RM)	Year 1	Year 3	Year 5	Year 10	Year 15	Year 20	Year 25	Year 30
20	148	465	816	1 856	3 185	4 881	7 045	9 806
30	221	698	1 223	2 785	4 777	7 321	10 567	14 710
50	369	1 163	2 039	4 641	7 962	12 201	17 611	24 516
70	517	1 629	2 855	6 498	11 147	17 082	24 656	34 322
100	738	2 327	4 078	9 282	15 925	24 403	35 223	49 032
150	1 107	3 490	6 117	13 924	23 887	36 604	52 834	73 548

Monthly	ING I.EduSAVE						70% Returns *
Premium	Year (Length of Contribution)
(RM)	Year 1	Year 3	Year 5	Year 10	Year 15	Year 20
20	172	543	952	2 166	3 716	5 694
30	258	814	1 427	3 249	5 574	8 541
50	431	1 357	2 379	5 415	9 290	14 235
70	603	1 900	3 330	7 581	13 005	19 929
100	861	2 714	4 758	10 830	18 579	28 470
150	1 292	4 071	7 136	16 244	27 869	42 705

* Terms & Conditions apply

Education Excellence Award

At ING, we want to encourage all our young insureds to excel in their studies. After three (3) years of continuous participation in the ING I.EduSAVE, your kid will be entitled to the awards.

Examination	Criteria	Total Incentive
Ujian Penilainan Sekolah Rendah (UPSR)	Min. Five Distinctions	RM60.00
Peperiksaan Menengah Rendah (PMR)	Min. Five Distinctions	RM100.00
Sijil Pelajaran Malaysia (SPM)	Min. Five Distinctions	RM120.00

Supplementary Riders

Supplementary Dread Disease Protection

The following diseases or events are covered under this rider:

1.	Kidney Failure	13.	Major Burns	24.	Aplastic Anaemia
2.	Heart Attack	14.	Muscular Dystrophy	25.	Loss of Speech
3.	Stroke	15.	AIDS due to Blood Transfusion	26.	Chronic Liver Disease
4.	Cancer	16.	Coma	27.	Encephalitis
5.	Multiple Sclerosis	17.	Loss of Hearing/Deafness	28.	Bacterial Meningitis
6.	Primary Pulmonary Arterial Hypertension	18.	Chronic Lung Disease	29.	Poliomyelitis
7.	Fulminant Viral Hepatitis	19.	Benign Brain Tumor	30.	Apallic Syndrome
8.	Blindness	20.	Alzheimer’s Disease/ Irreversible	31.	Other Serious Coronary Artery Disease
9.	Coronary Arterial Disease Surgery		Organic Degenerative Brain Disorders	32.	Coronary Artherectomy
10.	Major Organ Transplant	21.	Terminal Illness	33.	Loss of Independent Existence
11.	Heart Valve Replacement	22.	Parkinson’s Disease	34.	Systemic Lupus Erythematosus
12.	Aorta Surgery	23.	Motor Neurone Disease	35.	Medullary Cystic Disease

Supplementary Permanent Partial Disability Benefit (Accidental Causes)

Scale of Indemnity		% of Sum Insured
1.	Loss of arm
	at shoulder	100%
	between shoulder and elbow	100%
	at elbow between elbow and wrist	100% 100%

2.	Loss of hand at wrist	100%

3.	Loss of leg
	at hip between knee and hip	100% 100%
	below knee	100%
4.	Loss of eye whole eye sight sight, except perception of light	100% 100% 50%
	lens	50%

5.	Total loss of speech	50%

Scale of Indemnity	% of Sum Insured
6. Loss of hearing
both ears	75%
one ear	25%
7. Loss of four fingers and thumb
of one hand	50%

8. Loss of four fingers	40%

9. Loss of thumb both phalanges	25%
one phalanx	10%
10. Loss of index finger three phalanges two phalanges one phalanx	10% 8% 4%

11. Loss of middle finger
three phalanges	6%
two phalanges	4%
one phalanx	2%

Scale of Indemnity	% of Sum Insured
12. Loss of ring finger
three phalanges	5%
two phalanges	4%
one phalanx	2%
13. Loss of little finger
three phalanges	4%
two phalanges	3%
one phalanx	2%
14. Loss of metarcarpals
first or second (additional)	3%
third, fourth or fifth (additional)	2%
15. Loss of toes
All	15%
great, both phalanges	5%
great, one phalanx	2%
other than great, if more than	1%
one toe lost, each

Questiones & Answers

1. Q: Who is eligible?

A: Employees and dependants of SBEU, Bank Employees & dependants, aged 16 to 54 years (for I.ProtectionPLUS) and children aged 1 month to 19 years (for I.EduSAVE).

2. Q: How do I make payment for premiums?

A: The premiums payment is through monthly salary deduction, Credit Card or standing instructions through the bank.

3. Q: How do I make a claim?

A: Should you need to make a claim, please contact ING Insurance at 03-20584838 and ask for Employee Benefits Claims Department . You may also contact the Sales Department, Suresh at extension 2962, or preferably to e-mail to eb.sales@ing.com.my

4. Q: Can I continue with the policy once I retire from the company?

A: YES, please contact us to change the payment mode to annual and payment can be made via Credit Card or Standing Instructions.

5. Q: Can I upgrade my plan or include my dependants later?

A: YES, provided you are still a member of SBEU / Bank Employee.

6. Q: Is there any cash benefit for the supplementary rider?

A: NO, there will be no cash benefit for the supplementary riders.

7. Q: What is the maximum amount I can insure?

A: The maximum amount you can insure is RM 500,000 (max premium RM500 per month) (for I.ProtectionPLUS) and RM 150,000 (max premium RM150 per month) (for I.EduSAVE).

8. Q: Does the premium rates differ according to the age and gender?

A: NO, the premium rates are same for all ages and gender.

9. Q: If I have pre-existing conditions, will I be covered under this plan?

A: NO. Once you are diagnosed with pre-existing conditions, we will subject you to underwriting.

10. Q: Can I withdraw my saving benefits?

A: YES, you can withdraw 77% of the saving benefits after 3 years of continuous participation in this plan and 81% after 5 years and more.

11. Q: Is there any education complementary for I.EduSAVE?

A: YES. After 3 years of continuous participation in IES, your children will be entitled for education excellent award with minimum of five distinctions.

12. Q: What will happen to my policy if any of my Critical Illness is diagnosed?

A: ING will pay you the lump sum amount once you are diagnosed with any critical illness and your policy will lapse hereafter.

WE ARE PLEASE TO INVITE YOU TO JOIN THIS SCHEME
FOR A LIFETIME PROTECTION!!!

For more information or registration, please kindly contact us.