Tune Sihat PDS | Tune Protect

Insured Person Name:

Agent Name:

Agent Address:

Email:

Entry Age:

Plan:

Dental Coverage:
Yes
No

Deductible:

PRODUCT DISCLOSURE SHEET

The Product Disclosure Sheet (PDS) provides some of the key information that you should consider before you buy a medical insurance policy that best meet your needs. You should read your insurance policy contract carefully for full details on your coverage. Find out more here

Step 1 Is this policy right for you?

This policy covers hospitalization and surgical expenses (“H&S”) incurred due to accident or illnesses covered under the policy until 60 years old and renewal until 80 years old.
Your premiums will be pooled with other policy owners’ premiums to pay claims. If the total claims paid out from the pool of fund is high, the premium for all policy owners in the same pool may increase, including your premiums even if you did not make a claim.

Step 2 Does it meet your needs?

What is covered?	What is not covered?
• Hospital Room & Board:	• Pre-existing Conditions
• Surgical Expense: As Charged	• Specified Illnesses
Benefits payable are on basis and subject to: • Annual Limit: RM • Lifetime Limit: RM	• Suicide, attempted suicide or intentionally self-inflicted injury • Communicable diseases required quarantine by law

This is not a complete list. Please read your policy contract carefully for full details on what is and is not covered

Step 3 Can you afford the increase in premiums over time?

Premium Projection Table

Age	Estimated premium based on medical inflation of 7.2% per annum ¹ (RM)	Over the long term, you can reduce premiums payable by choosing plans with:
		(a) A higher deductible. (b) A lower annual/lifetime limit.




• The projection above is solely for illustration purposes only.
• The estimated premium is based on both increase by age and an average medical inflation of 7.2% per annum¹ and does not take into account future increase in the use of medical treatments and services. The actual premium you will have to pay depends on the actual medical inflation of the plan you purchased. Arising from medical inflation, current premium level may not be enough to cover future claims. Factors that may lead to medical inflation include advancements in medical technology, higher treatment costs and increases in the prevalence of non-communicable diseases over time.
• Bulk of premiums goes to claims. On average, for every RM1.00 of premium paid, RM0.72 ² is allocated to pay claims. The remainder goes to pay commissions to [insurance agent/intermediary], management expenses and profits of the insurers.
1 This is the year-on-year increase in the average treatment cost as billed by hospitals to the insurance and takaful industry from years 2020 to 2023
2 This is based on insurance and takaful industry average data from years 2021 to 2023. The actual experience of the plan you purchase may differ from the industry average.

Now: Premium sufficiently covers Claims and Others	Future: Arising from medical inflation, Premium may not be enough to cover Claims and Others
* Others include Commissions, Management Expenses and Profits	Note: This chart is not drawn to scale

Step 4 What else should you be aware of?

You must answer the questions that we ask fully and accurately. Failure to take reasonable care in answering the questions may result in rejection of your claim or termination of your policy.
If you decide you do not want this policy within 15 calendar days after the policy has been delivered to you, you can contact us to cancel your policy and receive a full refund (less any medical examination expenses incurred).
Your coverage will only start 30 calendar days after the effective date of the policy.
The commissions³ paid to the insurance agent is RM101 or 15% of the annual premium.

You have read the Tune Protect Privacy Policy (https://www.tuneprotect.com/privacy-policy/) and agree that all personal data provided to us by you and/or the Insured and/or acquired by us from the public domain, as well as personal data that arises as a result of the provision of cover to you and/or the Insured Person is subject to said Privacy Policy as may be varied from time to time.

This is not a complete list. Please read your policy contract carefully for full details on the key terms and conditions.

3 These figures are based on the current premium upon attained age.

Step 5 Have you considered other products that might suit your needs?

Product Options Table

	Recommended Product	Alternative Product Options
Name	Tune Sihat	Option 1 Tune Sihat	Option 2 Tune Sihat
Annual Premium	RM This includes the annual Premium for a basic medical insurance policy	RM The annual premium is by RM	RM The annual premium is by RM
Coverage Term	Until age 60 and renewal until age 80 “Renewal premium rates are not guaranteed”	Until age 60 and renewal until age 80 “Renewal premium rates are not guaranteed”	Until age 60 and renewal until age 80 “Renewal premium rates are not guaranteed”
Type			Cashless Facility We pay direct to hospitals
Deductible	–	–	–
Hospital Room & Board
Surgical Expenses			As Charged
Annual Limit	RM	RM	RM
Lifetime Limit	RM	RM	RM
Optional Dental Treatment		No	No
• Deductible: Fixed amount you have to pay before your actual coverage begins. E.g. RM10,000 deductible means you have to pay RM10,000 out of your own pocket and we will pay the balance (up to the relevant limits).
• Co-insurance: Fixed percentage of a medical charge that you have to pay. E.g. 20% co-insurance means you have to pay only 20% of each medical bill (up to the relevant limits), and we will cover 80%.
• Annual Limit: Maximum amount you can claim in a year.
• Lifetime Limit: Maximum amount you can claim throughout your lifetime.

This table does not capture all of the features of products compared. Please ask us/your agent for more information on the differences in features of these products

Customer’s Acknowledgement

Please ensure you are filling this section yourself and are aware of what you are placing your signature for.

I acknowledge that Tune Insurance Malaysia Berhad has provided me with a copy of the PDS.

I have read and understood the key information contained in this PDS.

Tune Insurance Malaysia Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.
The benefit(s) payable under eligible policy is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Tune Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).

Name of Agent:

Address of Agent:

…………………………………………………
Name:
Date: