Smart Baby Shield婴儿保障

Smart Baby Shield is comprised of two unit deduction riders attachable to selected regular premium investment-linked insurance plans. These plans are insurance products that are tied to the performance of the underlying assets, and are not pure investment products such as unit trusts. The insurance charge to be imposed will be deducted from the total investment value of your policy. You may stop paying premiums under the policy and still enjoy protection as long as there is sufficient total investment value to pay for the insurance charges. However, there is a possibility of the policy lapsing when the required charges, including rider charges, exceed the total investment value of the fund units available.

You can attach Smart Baby Shield to SmartProtect Junior only. Both riders under Smart Baby Shield must be attached together; should one of the riders be terminated, the other rider will be terminated as well.

You should satisfy yourself that these riders will best serve your needs and that the premium payable under the policy is an amount you can afford. A free-look period of 15 days is given for you to review the suitability of the plan. If these riders are cancelled during this period, the policy owner is entitled to the reinstatement of the units deducted for the payment of insurance charges after net of expenses incurred for the medical examination, if any. If you switch your policy/rider from one company to another, or if you exchange your current policy/rider with another policy/rider within the same company, you may be required to submit an application where acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of policy/rider switching or replacement.

This brochure is for general information only. It is not a contract of insurance. You are advised to refer to the Sales Illustration, Product Disclosure Sheet, consumer education booklet on Medical and Health Insurance (MHI) and sample policy documents for detailed important features and benefits of the plan before purchasing the plan. The exclusions and limitations highlighted above are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by Great Eastern Life.

If there is any discrepancy between the English, Bahasa Malaysia, and Chinese versions of this brochure, the English version shall prevail.

The terms “Great Eastern Life” and “the Company” shall refer to Great Eastern Life Assurance (Malaysia) Berhad.

Information correct as on 15 April 2019.