SunLink Brochure Cimb

SUNLINK
A plan custom made

to suit your needs.
V.2
What is SunLink?
Eligibility (Age last birthday basis)
It is a regular premium investment-linked plan that offers insurance

protection and potential investment return up to the age of 99.
Besides the coverage against Death and Total and Permanent
Disability (TPD), SunLink lets you invest in your desired fund(s) and
take full advantage of top-up, fund switching and partial withdrawal.
So whatever it is that you have in mind, be it raising a young family,
preparing for your childs education, starting your own business or
planning for your retirement, you can be sure that you have the flexibility
to choose what you need to meet your financial goals and obligations.
Whats more, it is a smart plan that gives you the freedom to select and
include various riders such as Hospitalisation and Surgical, Multiple
Pay Critical Illness, Accidental Death, Weekly Disability Income and
Waiver of Premium for extra financial security. With SunLink, you can
now journey through life confidently with no worries.
Minimum age of entry
30 days old
18 years old
65 years old
No limit1
Maximum expiry age
99 years old
Not applicable
Applicable only for basic plan without rider.
Investment-linked funds
Based on individuals financial goal and risk tolerance, you may
invest in one or more of the following professionally managed
investment-linked funds of your choice:
Fund
Objective & Strategy
Sun Life
Malaysia
Growth Fund
Fund objective: Maximise capital growth via

medium to long-term investment in the stock
market.
Fund strategy: The fund may invest up to 98% of
its Net Asset Value (NAV) in equities, focusing on
investment in shares of companies with growth
potential and listed on the main board of Bursa
Malaysia Berhad. The asset allocations of the
fund are as follows:
At least 80% in equities at all times
Balance in liquid assets
This plan provides the following benefits:

Sum assured plus account value
TPD
Sum assured plus account value (TPD

coverage shall cease on the policy anniversary,
immediately following the life assureds 65th
birthday)
Surrender
Surrender value is equivalent to the account

value, which is calculated with reference to
the value of units withdrawn at the price on
the valuation date, immediately following the
receipt of request to withdraw
Upon maturity at
the age of 99
Sum assured plus account value
Premium term & payment

Premium term is the same as the policy term. Minimum insurance
premium is RM2,400 per annum and payment can be made on a
monthly, quarterly, half yearly or yearly basis via credit card or direct
debit.
Policy term
99 years minus life assureds age at entry.
Policy Owner
Maximum age of entry
More about SunLink

Death
Life Assured
Fund
manager:
Management Berhad
Sun Life
Malaysia
Balanced
Moderate
Fund
CIMB-Principal
Asset
Fund objective: Provide a balanced investment

in equities and bonds.
Fund strategy: It will rely on Sun Life Malaysia
Growth Fund and Sun Life Malaysia Conservative
Fund according to the following predefined asset
allocations of the fund:
Sun Life Malaysia Growth Fund: 50%
Sun Life Malaysia Conservative Fund: 50%
Fund
manager:
Management Berhad
CIMB-Principal
Asset
Sun Life
Fund objective: Achieve medium to long-term
Malaysia
capital appreciation through investments primarily
Conservative in Malaysian bonds.
Fund
Investment-linked funds (contd.)
Fund
Fund
Sun Life
Malaysia
Conservative
Fund (contd.)
Fund strategy: The funds Net Asset Value

(NAV) may be invested in fixed income securities
carrying a minimum of AA3 rating by RAM or
equivalent rating by MARC, Moodys, S&P or
Fitch. The strategy is to invest in a diversified
portfolio of approved fixed income securities.
The asset allocation of the fund is at least 80%
in fixed income securities at all times.
Sun Life
Malaysia
Select Asia
(ex Japan)
Quantum
Fund
Fund objective: This fund feeds into the Affin

Hwang Select Asia (ex Japan) Quantum Fund
(target fund) with the objective to achieve
consistent capital appreciation over medium
to long-term by investing mainly in growth
companies in Asia (ex Japan) with market
capitalisation of not more than USD1.5 billion at
the time of acquisition, subject to the flexibility
of investing up to 25% of the Net Asset Value
(NAV) of the target fund in companies in Asia (ex
Japan) with market capitalisation of not more than
USD3.0 billion at the time of acquisition.
Fund
manager:
Management Berhad
Sun Life
Malaysia
Equity Income
Fund
CIMB-Principal
Asset
Fund objective: This fund feeds into the CIMBPrincipal Equity Income Fund (target fund)
with the objective to provide investors with an
opportunity to gain consistent and stable income
by investing in a diversified portfolio of dividend
yielding equities and fixed income securities. The
target fund may also provide moderate capital
growth potential over the medium to long-term
period.
Fund strategy: The target fund may opt to
invest in foreign equities up to a maximum of
50% of Net Asset Value (NAV). Such foreign
equities must be companies domiciled in, listed
in, and/or have significant operations in Asia (ex
Japan) markets. The target fund may invest in
foreign markets where the regulatory authorities
are members of the International Organization
of Securities Commissions (IOSCO). The target
fund is subject to the limit set by Bank Negara
Malaysia (BNM) and any conditions imposed
by the Securities Commission Malaysia (SC)
from time to time. The asset allocation of the
target fund is as follows:
Equities: Minimum 70%, maximum 98%;
Investing into diversified portfolio of dividend
yielding equities and/or fixed income securities
Liquid assets: Minimum 2% of target funds NAV
Equities selection for the funds: Asian (ex Japan)
equities
Fund
manager:
Management Berhad
CIMB-Principal
Asset
Fund strategy: The target fund invest mainly

in growth companies in Asia (ex Japan) with a
market capitalisation of not more than USD1.5
billion (50% - 99.8% of the NAV of the target fund)
and USD3.0 billion (maximum 25% of the NAV of
the target fund) respectively. These companies
would have the potential to achieve strong rates
of growth, as well as key investment and sectoral
themes prevailing in the market at any period in
time. The asset allocation of the target fund is as
follows:
Equities: Minimum 75%, maximum 99.80%
Liquid assets: The remaining balance
Equities selection for the funds: Asian (ex Japan)
equities
Fund manager: Affin Hwang Asset Management
Berhad (formerly known as Hwang Investment
Management Berhad)
Sun Life
Malaysia
Asia Pacific
Dynamic
Income Fund
Fund objective: This fund feeds into CIMBPrincipal Asia Pacific Dynamic Income Fund
(target fund) with the objective to provide regular
income by investing primarily in the Asia Pacific
(ex Japan) region and at the same time aims to
achieve capital appreciation over the medium to
long-term.
Fund strategy: The target fund will be managed
through investment in the Asia Pacific (ex Japan)
region regardless of market conditions. The
companies invested in must be domiciled in, and/
or have significant operations in Asia Pacific (ex
Japan). Under general conditions, the target funds
Fund
Fund
Sun Life
Malaysia
Asia Pacific
Dynamic
Income Fund
(contd.)
investment will focus on high dividend yielding

equities of companies and companies with good
growth potential. The target fund may also invest
up to 15% of the target funds Net Asset Value
(NAV) in fixed income instruments. The target
funds fixed income investments will generally be
restricted to securities rated at least a minimum
credit rating of BBB3 or P2 by RAM or
equivalent rating by MARC or by local rating
agency(ies) of the country or BB by S&P or
equivalent rating by Moodys or Fitch. The asset
allocation of the target fund is as follows:
E
quities: Minimum 70%, maximum 98%
Fixed income instruments: Maximum 15%
Liquid assets: Minimum 2%
Equities selection for the fund: Asia Pacific (ex
Japan) equities
Sun Life
Fund
manager:
Malaysia
Management Berhad
Global Titans
Fund (contd.)
Fund
manager:
Management Berhad
Sun Life
Malaysia
Global Titans
Fund
CIMB-Principal
Asset
Fund objective: This fund feeds into CIMBPrincipal Global Titans Fund (target fund) with
the objective to achieve medium to long-term
capital gains by investing into the U.S, Europe
and Japan equities while having some Malaysia
equities exposure to counter the short-term
volatility in the global equities markets.
Fund strategy: The target fund invests at least
50% of its Net Asset Value (NAV) in 3 collective
investment schemes, subject to a maximum
of 98% of its NAV. It may invest in Malaysian
securities but only up to 50% of its NAV. The
target fund seeks to give investors a broad
exposure to 3 global regions which attract over
90% of global investment monies in equities. This
will be achieved by investing in 3 PGI funds which
invest into these 3 markets. The asset allocation
of the target fund is as follows:
E
quities: Minimum 50%, maximum 98%
Liquid assets: The remaining balance
Equities selection for the funds: PGI US Equity
Fund, PGI European Equity Fund, PGI Japanese
Equity Fund and Malaysia equities
* PGI Funds refer to Principal Global Investors
Funds

CIMB-Principal
Asset
Top-up
Scheduled Top-Up
Premium
Single Top-Up
Premium
Minimum
RM50 (in multiple of

RM10) per month
RM500 (in multiple of

RM10) per transaction
Maximum
No limit
No limit
Premium allocation
The allocated premiums will be directed into the funds selected by
policy owner.
Premium
Allocated Premium
Allocated Premium
Year
(% of Insurance Premium) (% of Top-up Premium)
1
45%
95%
60%
95%
80%
95%
90%
95%
5 and
onwards
100%
95%
Note: The unallocated premium will be utilised for commission and

management expenses.
Fees & charges

Cost of
insurance
(COI)
COI of the basic policy including optional riders

(if any) shall be due on the policy issue date
and on every monthly anniversary thereafter.
COI will be deducted from the account value
through cancellation of units. The COI deducted
is subject to Goods and Services Tax (GST2),
where applicable.
Service
charge
RM5.30 (inclusive of GST2) per policy per

month will be deducted from the account value
through cancellation of units in each fund at the
proportion according to account value.
Fees & charges (contd.)
Riders for added protection (condt)
Fund
switching
charges
No charges for the first 3 fund switches for every

policy year. Subsequent switches are subject to
RM53 (inclusive of GST2) per switch.
Partial
withdrawal
charges
RM53 (inclusive of GST2) per transaction from

the partial withdrawal amount.
Fund
Please refer to the Fund Fact Sheet for details
management
and charges.
charges (FMC)
Note: All fees & charges are not guaranteed and any changes will be
notified to you in writing at least 90 days prior to the effective date.
2
he Goods and Services Tax (GST) as per Goods and Services Tax
T
Act 2014 is currently at 6%. The prevailing rate of GST is subject
to change.
Commissions
Below are the sample commissions (as a percentage of insurance
premium) based on insurance premium of RM2,400 per annum:
Please refer to the policy documents for the full list of terms,
conditions and exclusions under these riders.
1) Hospitalisation and Surgical Benefit Rider
With the emergence of new diseases and the rise of accidents
everyday, medical care has become a necessity for everyone.
Our Hospitalisation and Surgical Benefit Rider helps reduce the
financial burden due to escalating medical cost.
Schedule of benefits
Plan Benefits
Plan A
(RM)
Hospital room & board

(maximum of 180 days
per year)
B) Hospitalisation Expenses
20
Commission (RM)
480
120
120
120
120
120
Hospital supplies and

services
Policy Year
10
Thereafter
Commission rate (%)
Commission (RM)
120
120
120
120
Riders for added protection

SunLink gives you the freedom to choose and include various
unit-deducting riders to your basic plan:
1) Hospitalisation and Surgical Benefit Rider
2) Multiple Pay Critical Illness Benefit Rider
3) Accidental Death Benefit Rider
4) Weekly Disability Income Benefit Rider
5) Life Assured Waiver of Premium Benefit Rider
6) Policy Owner Waiver of Premium Benefit Rider
Plan D
(RM)
250
350
500
150
Intensive care unit

(maximum of 60 days
per year)
Policy Year
2) Production bonus (5% of the 1st year insurance premium) and

persistency bonus (10% of 2nd and 3rd year insurance premium)
are payable and borne by policy owner.
Plan C
(RM)
A) Hospital Room & Board3
Commission rate (%)
1) For scheduled top-up premium/single top-up premium, 3.75%

commission is payable and borne by policy owner.
Plan B
(RM)
As charged
As charged
C) Expenses For Surgical Cases

Surgical fees (subject to
surgical schedule)
Anesthetists fees
Operating theatre fees
Pre-hospital diagnostic
services (within 90
days prior to hospital
admission)
As charged
Post-hospital treatment
(within 60 days after
hospital discharge)
D) Expenses For Non-Surgical Cases
In-hospital physician
visit (maximum of 120
days per year and 2
visits per day)
As charged
Schedule of benefits (contd.)

Plan Benefits
Plan A
(RM)
Schedule of benefits (contd.)

Plan B
(RM)
Plan C
(RM)
Plan D
(RM)
Plan Benefits
D) Expenses For Non-Surgical Cases (contd.)

Pre-hospital specialist
consultation (within 90
days prior to hospital
admission)
As charged
Day surgery procedure

Emergency outpatient
sickness treatment
(from 12am to 6am)
Ambulance fees
50
Major organ transplant4

(once per life time)
50
50
Overall Annual Limit
75,000 125,000 175,000 250,000
Overall Lifetime Limit
750,000 1,250,000 1,750,000 2,500,000
100
100
100
As charged
Out-patient kidney
dialysis treatment
As charged
500
750
1,000
As charged
Grouping of critical illnesses:
Group 1
Angioplasty and Other Invasive Treatments for Major Coronary
Artery Disease
Coronary Artery By-Pass Surgery
End Stage Kidney Failure
Heart Attack
Major Organ Transplant (Kidney)
Medullary Cystic Disease
Other Serious Coronary Artery Disease
Stroke
Systemic Lupus Erythematosus (SLE) with Lupus Nephritis
Group 2
Heart Valve Surgery
Major Organ Transplant (Heart)
Severe Cardiomyopathy
Surgery to Aorta
50
As charged
Out-patient cancer
treatment
Goods and Services

Tax (GST)
Plan D
(RM)
2) Multiple Pay Critical Illness Benefit Rider

Multiple Pay Critical Illness Benefit Rider provides additional
coverage on critical illnesses which allows the life assured
to make as many as 4 claims and up to 4 times of the riders
sum assured will be payable to you through the rider term.
Each critical illness diagnosis will be from different grouping
of critical illnesses except for Angioplasty and Other Invasive
Treatments for Major Coronary Artery Disease and Cancer. This
rider also covers for 2 occurences of Cancer provided that the
maximum payable limit has not been reached. In the event of
Angioplasty and Other Invasive Treatments for Major Coronary
Artery Disease, only 10% of riders sum assured or a maximum
of RM25,000 will be payable.
Emergency outpatient
accidental treatment
(within 24 hours
after the accident)
Home nursing care

(maximum per disability)
Plan C
(RM)
In the event of upgrading the room & board, the life assured
shall bear the full differences between the actual charges and
the eligible room and board benefit and 20% of the other eligible
benefits under the hospital bill.
4
Covers the cost of major organ transplant of the life assured,
as the recipient of the organ harvested and not the living donor.
Emergency accidental
dental treatment (within
24 hours after the
accident)
Medical report fees
Plan B
(RM)
Post-hospital treatment
(within 60 days after
hospital discharge)
Government hospital
daily cash allowance
(maximum of 180 days
per year)
Plan A
(RM)
100
1,500
Riders for added protection (contd.)
2) Multiple Pay Critical Illness Benefit Rider (contd.)

Group 3
Benign Brain Tumour
Blindness/Total Loss of Sight
Brain Surgery
Coma
Deafness/Total Loss of Hearing
Loss of Speech
Major Burns
Major Head Trauma
4) Weekly Disability Income Benefit Rider (contd.)

This rider provides weekly disability income for up to 52 weeks
in the event the life assured suffers from disability due to illness
(which results in hospitalisation) or accident.
Group 4
End Stage Lung Disease
End Stage Liver Failure
Fulminant Viral Hepatitis
Major Organ Transplant (Liver/Lung/Pancreas)
Primary Pulmonary Arterial Hypertension
Group 5
Alzheimers Disease/Irreversible Organic Degenerative Brain
Disorders
Bacterial Meningitis
Encephalitis
Loss of Independence Existence
Motor Neuron Disease
Multiple Sclerosis
Muscular Dystrophy
Paralysis/Paraplegia
Parkinsons Disease
Group 6
Cancer
Chronic Aplastic Anaemia
HIV due to Blood Transfusion
Major Organ Transplant (Bone Marrow)
3) Accidental Death Benefit Rider

Accidental Death Benefit Rider will ensure you and your family
are financially protected at all times in the unfortunate event of
death. Accidental Death Benefit Rider provides additional 100%
of riders sum assured coverage in the event the life assured dies
due to accidental causes.
4) Weekly Disability Income Benefit Rider
Disability due to an accident or illness can result in a loss of
income. Our Weekly Disability Income Benefit Rider can go a
long way in assisting you and your family by providing continuous
income in your time of need.
5) Life Assured Waiver of Premium Benefit Rider

We understand that your familys well-being is your number one
priority. More than anything, you want to ensure that their needs
are taken care of and their future is secured at all times especially
should you fall critically ill. Life Assured Waiver of Premium
Benefit Rider waives all future premiums until the expiry of the
basic plan upon diagnosis of any 1 of the covered 36 critical
illnesses.
6) Policy Owner Waiver of Premium Benefit Rider
There is nothing more important than protecting your family and
making sure that their needs are met. You work hard everyday
to provide for them but will it be enough to ensure a secured
future for them? Policy Owner Waiver of Premium Benefit Rider
waives all future premiums until the expiry of the rider term in the
event the policy owner dies, suffers from TPD or upon diagnosis
of any 1 of the covered 36 critical illnesses. TPD coverage shall
cease on the policy anniversary, immediately following the policy
owners 65th birthday.
List of 36 Critical Illnesses
(for Life Assured Waiver of Premium Benefit Rider and Policy
Owner Waiver of Premium Benefit Rider)
1
Alzheimers Disease/Irreversible Organic Degenerative Brain

Disorders
Bacterial Meningitis
Benign Brain Tumour
Blindness/Total Loss of Sight
Brain Surgery
Cancer
Chronic Aplastic Anemia
Coma
Coronary Artery By-Pass Surgery
10 Deafness/Total Loss of Hearing

11 Encephalitis
12 End Stage Kidney Failure

List of 36 Critical Illnesses (contd.)
(for Life Assured Waiver of Premium Benefit Rider and Policy
Owner Waiver of Premium Benefit Rider)
13 End Stage Liver Failure
Exclusions
(Note: This list is non-exhaustive. Please refer to the policy
documents for further information on exclusions)
Benefits
Exclusions
Death Benefit
Only the account value will be payable if death

of the life assured is due to suicide (while sane
or insane) within 12 months from the policy
issue date or reinstatement date, whichever
is later.
TPD Benefit
No benefit shall be payable if the TPD is due to:

Active duty in navy, army, air force, fire service
and police;
AIDS;
Air travel other than commercial flights;
Breach of law;
Misuse of drugs or alcohol;
Any attempted suicide or self-inflicted injury
(while sane or insane); or
Strike, riot, civil commotion.
14 End Stage Lung Disease

15 Fulminant Viral Hepatitis
16 Heart Attack
17 Heart Valve Surgery
18 HIV due to Blood Transfusion
19 Loss of Independent Existence
20 Loss of Speech
21 Major Burns
22 Major Head Trauma
23 Major Organ/Bone Marrow Transplant
24 Medullary Cystic Disease
25 Motor Neuron Disease
26 Multiple Sclerosis
27 Muscular Dystrophy
28 Other Serious Coronary Artery Disease
29 Paralysis/Paraplegia
30 Parkinson's Disease
31 Primary Pulmonary Arterial Hypertension
32 Severe Cardiomyopathy
33 Stroke
34 Surgery to Aorta
35 Systemic Lupus Erythematosus (SLE) with Lupus Nephritis
36 Terminal Illness
Hospitalisation No benefit shall be payable if hospitalisation,

and Surgical
surgery or charges caused directly or indirectly,
Benefit Rider wholly or partly, by any one of the following
occurrences:
AIDS;
(while sane or insane);
Circumcision or sterilisation procedures;
Congenital abnormalities;
Cosmetic or plastic surgery;
Dental treatment or oral surgery;
External prosthetic appliances or devices;
Hazardous sports;
Medical or physical conditions arising within
waiting period;
Treatment for alcoholic or drug addiction;
Organ donation;
Pregnancy, childbirth, miscarriage or abortion;
Pre-existing condition;
Psychotic, mental or nervous disorders;
Radiation or contamination from nuclear;
Sex changes;
Specified illnesses; or
Exclusions (contd.)
Benefits
Exclusions
Multiple Pay
No benefit shall be payable if critical illness
Critical Illness caused directly or indirectly, wholly or partly, by
Benefit Rider any one of the following occurrences:
AIDS;
Congenital conditions;
Critical illness within waiting period except
for critical illness conditions due to accidental
injuries;
Dies within survival period;
Misuse of alcohol or drugs;
Participating in any avocation/activities such
as racing of any kind, aerial sports, scuba
diving, professional sports;
Self-inflicted injuries while sane or insane; or
War, biological/chemical warfare, terrorism.
Accidental
Death Benefit
Rider
No benefit shall be payable if accidental death

caused directly or indirectly, wholly or partly,
by any one of the following occurrences:
Criminal act;
Hazardous sports;
Pregnancy of childbirth;
Pre-existing physical or mental defect; or
Weekly
Disability
Income
Benefit Rider
No benefit shall be payable if temporary total

disability or temporary partial disability caused
directly or indirectly, wholly or partly, by any one
of the following occurrences:
Criminal act;
Hazardous sports;
Pregnancy of childbirth;
Strike, riot, civil commotion; or
Disability due to illness within waiting period.
Exclusions (contd.)
Benefits
Exclusions
Life Assured
Waiver of
Premium
Benefit Rider
No future premium shall be waived if critical

illness caused directly or indirectly, wholly or
partly, by any one of the following occurrences:
AIDS;
Critical illness within waiting period except
for critical illness conditions due to accidental
injuries;
Participating in any avocation/activities
such as racing of any kind, aerial sports, scuba
diving, professional sports;
Policy Owner
Waiver of
Premium
Benefit Rider
No future premium shall be waived if:

1) Death is due to suicide (while sane or insane)
within 12 months from the policy issue date
or reinstatement date, whichever is later.
2) TPD is due to:
Active duty in navy, army, air force, fire
service, police;
AIDS;
Breach of law;
Any attempted suicide or self-inflicted
injury (while sane or insane); or
3) Critical illness caused directly or indirectly,
wholly or partly, by any one of the following
occurrences:
AIDS;
Critical illness within waiting period
except for critical illness conditions due to
accidental injuries;
Participating in any avocation/activities
such as racing of any kind, aerial sports,
scuba diving, professional sports;
Important notes
1) This is an insurance product that is tied to the performance
of the underlying assets, and is not a pure investment
product such as unit trust.
2) This is a product brochure and is not a policy contract document.
Please refer to the Fund Fact Sheet, Sales Illustration and
Product Disclosure Sheet for more information on the plan as
well as the policy contract documents for the complete terms
and conditions of this plan.
3) You should be satisfied that this plan will best serve your needs
and ensure that the premium payable under this plan is an
amount that you can afford.
4) If your purchase involves a premium of sizeable amount say
RM5,000 and above, you should consider purchasing a single
premium investment-linked plan as single premium plans offer
better allocation rates for investment.
5) You may cancel your policy within 15 days of its delivery
and the amount of refund that you will receive is the sum of
the unallocated premiums, the account value as at the next
valuation date and any cost of insurance and service charge
that have been deducted, less any expenses incurred for any
medical underwriting required.
6) If you terminate your policy in the early years, you may get back
less than the amount that you have paid.
7) If you do not pay the premium within 31 days of grace period,
there will be a possibility that at any time your account value
might be insufficient to support the basic policy and the rider(s)
attached (if any) and your policy will lapse.
8) The premium amount paid is allowed as an income tax
deduction subject to the Inland Revenue Board.
9) All taxes, including without limitation any goods and services
tax, and/or other forms of sales or consumption tax, whether
currently in force or implemented after the date of the policy will
be charged in accordance with the applicable legislation at the
prevailing rate. Where necessary, we will amend the terms of
the policy to take into account any such tax.
10) This plan is underwritten by Sun Life Malaysia Assurance
Berhad (197499-U), an insurer registered with Bank Negara
Malaysia under the Financial Services Act 2013.
11) This plan is distributed by CIMB Bank Berhad (13491-P) and is
located at Menara Bumiputra-Commerce, 11, Jalan Raja Laut,
50350 Kuala Lumpur, Malaysia.
For more information, log on to www.cimbbank.com.my, call

1 300 880 900 or visit any of our CIMB Bank branches nationwide.
Connect with us on:
CIMB Malaysia
CIMB_Assists
Underwritten by
Sun Life Malaysia Assurance Berhad (197499-U)

Level 11, 338 Jalan Tuanku Abdul Rahman
50100 Kuala Lumpur, Malaysia
Telephone (603) 2612 3600 Facsimile (603) 2698 7035
Customer Careline 1300-88-5055 sunlifemalaysia.com
A joint venture between Sun Life Assurance Company of Canada and
Renggis Ventures Sdn Bhd
CIMB Bank Berhad (13491-P)
Apa itu SunLink?
Tempoh polisi
Ia adalah pelan berkaitan-pelaburan premium berkala yang

menawarkan perlindungan insurans dan potensi pulangan pelaburan
sehingga umur 99 tahun.
99 tahun ditolak umur kemasukan orang yang diinsuranskan.
Selain daripada perlindungan ke atas Kematian dan Hilang Upaya

Menyeluruh dan Kekal (TPD), SunLink membolehkan anda melabur
di dalam dana-dana yang anda inginkan dan menggunakan
sepenuhnya kemudahan untuk penambahan, penukaran dana dan
pengeluaran separa. Walau apa jua perancangan anda, sama ada
mula berkeluarga, menyediakan pendidikan anak-anak, memulakan
perniagaan sendiri atau merancang untuk persaraan, anda yakin dan
tahu bahawa anda memiliki fleksibiliti untuk memilih apa yang anda
perlukan untuk memenuhi obligasi dan matlamat kewangan anda.
Bukan itu sahaja, ia adalah pelan pintar yang memberikan anda
kebebasan untuk memilih pelbagai rider seperti Hospitalisation
and Surgical, Multiple Pay Critical Illness, Accidental Death,
Weekly Disability Income dan Waiver of Premium sebagai jaminan
kewangan tambahan. Dengan SunLink, kini anda mampu menjalani
kehidupan dengan penuh yakin, tanpa dibelenggu kebimbangan.
Mengenai SunLink
Pelan ini menyediakan manfaat-manfaat berikut:
Kematian
Jumlah yang diinsuranskan bersama

nilai akaun
TPD

nilai akaun (Perlindungan TPD akan
tamat pada ulang tahun polisi, sejurus
selepas hari lahir ke-65 orang yang
diinsuranskan)
Serahan
Nilai serahan adalah bersamaan

dengan nilai akaun, yang dikira dengan
merujuk kepada nilai unit-unit yang
dikeluarkan pada harga semasa tarikh
penilaian, sejurus selepas penerimaan
permohonan untuk pengeluaran
Apabila matang pada

umur 99 tahun

nilai akaun
Tempoh dan bayaran premium

Tempoh premium adalah bersamaan dengan tempoh polisi.
Premium insurans minimum adalah RM2,400 setahun dan bayaran
boleh dibuat secara bulanan, suku tahunan, setengah tahunan atau
tahunan dengan menggunakan kad kredit atau debit terus.
Kelayakan (Berdasarkan umur pada hari jadi terakhir)
Orang yang
Diinsuranskan
Pemilik
Polisi
Umur kemasukan minimum
30 hari
18 tahun
Umur kemasukan maksimum
65 tahun
Tiada had1
Umur tamat maksimum
99 tahun
Tidak berkaitan
Sah untuk pelan asas sahaja tanpa rider.
Dana-dana berkaitan-pelaburan
Berdasarkan matlamat kewangan dan toleransi risiko individu,
anda boleh melabur di dalam satu atau lebih dana-dana berkaitanpelaburan pilihan anda yang diuruskan secara profesional:
Dana
Objektif & Strategi
Dana Sun
Objektif dana: Memaksimumkan pertumbuhan
Life Malaysia modal melalui pelaburan jangka sederhana
Growth
hingga jangka panjang di dalam pasaran saham.
Strategi dana: Dana ini boleh melabur sehingga
98% daripada Nilai Aset Bersih (NAB) di dalam
ekuiti, dengan tumpuan kepada pelaburan di
dalam saham syarikat-syarikat yang mempunyai
potensi pertumbuhan dan tersenarai di papan
utama Bursa Malaysia Berhad. Peruntukan aset
dana adalah seperti berikut:
Sekurang-kurangnya 80% dalam ekuiti pada
setiap masa
Baki di dalam aset-set cair
Pengurus
Dana:
Management Berhad
CIMB-Principal
Asset
Dana Sun
Objektif dana: Menyediakan pelaburan seimbang
Life Malaysia dalam ekuiti dan bon.
Balanced
Strategi dana: Ia bergantung kepada Dana Sun
Moderate
Life Malaysia Growth dan Dana Sun Life Malaysia
Conservative mengikut peruntukan aset dana
yang telah ditetapkan seperti berikut:
Dana Sun Life Malaysia Growth: 50%
Dana Sun Life Malaysia Conservative: 50%
Pengurus
Dana:
Management Berhad
CIMB-Principal
Asset
Dana-dana berkaitan-pelaburan (samb.)

Dana
Objektif & Strategi
Dana
Dana Sun
Objektif dana: Mencapai peningkatan modal
Life Malaysia jangka sederhana hingga jangka panjang melalui
Conservative pelaburan terutamanya dalam bon-bon Malaysia.
Strategi dana: Nilai Aset Bersih (NAB) dana ini
boleh dilaburkan di dalam sekuriti pendapatan
tetap yang mempunyai penarafan minimum
AA3 dari RAM atau penarafan seumpamanya
oleh MARC, Moodys, S&P atau Fitch. Strategi
pelaburannya adalah untuk melabur di dalam
pelbagai portfolio sekuriti pendapatan tetap
yang diluluskan. Peruntukan aset dana adalah
sekurang-kurangnya
80%
dalam
sekuriti
pendapatan tetap pada setiap masa.
Pengurus
Dana:
Management Berhad
CIMB-Principal
Asset
Dana Sun
Objektif dana: Dana ini melabur ke dalam Dana
Life Malaysia CIMB-Principal Equity Income (dana sasaran)
Equity Income dengan objektif untuk memberi peluang kepada
pelabur untuk mendapat pendapatan yang konsisten
dan stabil dengan melabur dalam pelbagai portfolio
ekuiti yang memberikan dividen dan sekuriti
pendapatan tetap. Dana sasaran ini juga boleh
memberikan potensi pertumbuhan modal di dalam
jangka sederhana ke jangka panjang.
Strategi dana: Dana sasaran boleh memilih
untuk melabur dalam ekuiti luar negara sehingga
maksimum 50% daripada Nilai Aset Bersihnya
(NAB). Ekuiti luar negara tersebut mestilah
syarikat-syarikat yang diperbadankan dalam,
disenaraikan dalam, dan/atau mempunyai
operasi yang ketara di pasaran Asia (kecuali
Jepun). Dana sasaran mungkin melabur dalam
pasaran luar negara di mana pihak berkuasa
kawal selia merupakan ahli-ahli Pertubuhan
Suruhanjaya Sekuriti Antarabangsa (IOSCO).
Dana sasaran adalah tertakluk kepada had yang
ditetapkan oleh Bank Negara Malaysia (BNM) dan
apa-apa syarat yang dikenakan oleh Suruhanjaya
Sekuriti Malaysia (SC) dari semasa ke semasa.
Peruntukan aset dana sasaran adalah seperti
berikut:
Objektif & Strategi
Dana Sun
Ekuiti: Minimum 70%, maksimum 98%; Melabur
Life Malaysia
dalam pelbagai portfolio ekuiti yang memberikan
Equity Income dividen dan sekuriti pendapatan tetap
(samb.)
Aset Cair: Minimum 2% daripada NAB dana
sasaran
Pilihan ekuiti bagi dana ini: Ekuiti Asia (kecuali
Jepun)
dana:
Management Berhad
Pengurus
Dana Sun
Life Malaysia
Select Asia
(ex Japan)
Quantum
CIMB-Principal
Asset
Objektif Dana: Dana ini melabur ke dalam Dana

Affin Hwang Select Asia (ex Japan) Quantum
(dana sasaran) dengan objektif untuk mencapai
peningkatan modal konsisten dalam jangka
sederhana ke jangka panjang dengan melabur
terutamanya dalam syarikat-syarikat pertumbuhan
di Asia (kecuali Jepun) dengan modal pasaran
yang tidak melebihi USD1.5 bilion pada masa
perolehan, tertakluk kepada fleksibiliti untuk
melabur sehingga 25% daripada Nilai Aset Bersih
(NAB) dana sasaran dalam syarikat-syarikat di
Asia (kecuali Jepun) dengan modal pasaran tidak
melebihi USD3.0 bilion pada masa perolehan.
Strategi
dana:
Dana
sasaran
melabur
terutamanya dalam syarikat pertumbuhan di Asia
(kecuali Jepun) dengan modal pasaran yang tidak
melebihi USD1.5 bilion (50%-99.8% daripada
NAB dana sasaran) dan USD3.0 bilion (maksimum
25% daripada NAB dana sasaran) masingmasing. Syarikat-syarikat ini akan mempunyai
potensi untuk mencapai kadar pertumbuhan yang
kukuh, dan pelaburan utama dan tema sektor
yang wujud di pasaran pada bila-bila tempoh
masa. Peruntukan aset dana sasaran adalah
seperti berikut:
Ekuiti: Minimum 75%, maksimum 99.80%
Aset Cair: Baki
Pilihan ekuiti bagi dana ini: Ekuiti Asia (kecuali
Jepun)
Pengurus dana: Affin Hwang Asset Management
Berhad (dahulunya dikenali sebagai Hwang

Investment Management Berhad)
Dana
Objektif & Strategi
Dana
Dana Sun
Life Malaysia
Asia Pacific
Dynamic
Income
Objektif Dana: Dana ini melabur ke dalam

Dana CIMB-Principal Asia Pacific Dynamic
Income (dana sasaran) dengan objektif untuk
menyediakan pendapatan yang tetap melalui
pelaburan terutamanya di rantau Asia Pasifik
(kecuali Jepun) dan pada masa yang sama
bermatlamat untuk mencapai peningkatan modal
dalam jangka sederhana hingga jangka panjang.
Dana Sun
Objektif dana: Dana ini melabur ke dalam Dana
Life Malaysia CIMB-Principal Global Titans (dana sasaran)
Global Titans dengan objektif untuk mencapai keuntungan
modal jangka sederhana ke jangka panjang
dengan melabur dalam ekuiti A.S, Eropah dan
Jepun manakala mempunyai pendedahan dalam
ekuiti Malaysia untuk menangani ketidaktentuan
jangka pendek dalam pasaran ekuiti global.
Strategi dana: Dana sasaran akan diuruskan

melalui pelaburan di rantau Asia Pasifik (kecuali
Jepun) tanpa mengambil kira keadaan pasaran.
Syarikat-syarikat yang dilaburkan mestilah
berdomisil, disenaraikan, dan/atau mempunyai
operasi ketara di negara-negara Asia Pasifik
(kecuali Jepun). Di bawah syarat-syarat am,
pelaburan dana sasaran akan ditumpukan
kepada ekuiti syarikat yang memberikan
pulangan dividen yang tinggi dan syarikat
dengan potensi pertumbuhan yang baik. Dana
sasaran juga boleh melaburkan sehingga 15%
daripada Nilai Aset Bersih (NAB) dana sasaran
ke dalam instrumen pendapatan tetap. Pelaburan
pendapatan tetap dana sasaran secara umumnya
akan dihadkan kepada sekuriti yang mempunyai
penarafan minimum sekurang-kurangnya kredit
BBB3 atau P2 oleh RAM atau penarafan yang
setaraf dengannya oleh MARC atau oleh agensi(agensi) penarafan tempatan negara atau BB
oleh S&P atau penarafan yang setaraf dengannya
oleh Moodys atau Fitch. Peruntukan aset dana
sasaran adalah seperti berikut:
Strategi dana: Dana sasaran melabur sekurangkurangnya 50% daripada Nilai Aset Bersih (NAB)
dalam 3 skim pelaburan kolektif, tertakluk kepada
maksimum 98% daripada NAB. Ia boleh melabur
dalam sekuriti Malaysia tetapi hanya sehingga
50% daripada NAB. Dana sasaran bertujuan
untuk memberi pelabur pendedahan yang luas
untuk 3 rantau global yang menarik lebih daripada
90% wang pelaburan global dalam ekuiti. Ini akan
dicapai dengan melabur dalam 3 dana-dana PGI
yang melabur ke dalam 3 pasaran ini. Peruntukan
aset dana sasaran adalah seperti berikut:
Ekuiti: Minimum 70%, maksimum 98%

Instrumen pendapatan tetap: Maksimum 15%
Aset cair: Minimum 2%
Pilihan ekuiti untuk dana: Ekuiti Asia Pasifik
(kecuali Jepun)
Pengurus dana: CIMB-Principal Asset Management
Objektif & Strategi
Ekuiti: Minimum 50%, maksimum 98%

Aset Cair: Baki
Pilihan ekuiti bagi dana ini: Dana PGI US Equity,
Dana PGI European Equity, Dana PGI Japanese
Equity dan ekuiti Malaysia
* Dana PGI merujuk kepada Dana Principal Global
Investors
Pengurus dana: CIMB-Principal Asset Management
Berhad
Penambahan
Minimum
Berhad
Maksimum
Premium
Penambahan
Berjadual
Premium
Penambahan
Tunggal
RM50 (dalam gandaan

RM10) setiap bulan
RM500 (dalam gandaan

RM10) setiap transaksi
Tiada had
Tiada had
Peruntukan premium
Yuran & caj (samb.)
Premium yang diperuntukkan akan disalurkan ke dalam dana-dana

yang dipilih oleh pemilik polisi.
Nota: Semua yuran & caj tidak dijamin dan sebarang perubahan
akan dimaklumkan kepada anda dengan memberikan notis bertulis
sekurang-kurangnya 90 hari dari tarikh berkuatkuasa.
Tahun
Premium
Peruntukan Premium
(% dari Premium
Insurans)
Peruntukan Premium
(% dari Premium
Penambahan)
45%
95%
60%
95%
80%
95%
90%
95%
5 dan
ke atas
100%
95%
Nota: Premium yang tidak diperuntukkan akan digunakan untuk

komisen dan perbelanjaan pengurusan.
Yuran & caj

Kos insurans
(COI)
COI untuk polisi asas termasuk pilihan rider

(jika ada) perlu dibayar pada tarikh pengeluaran
polisi dan pada setiap ulang tahun bulanan
selepasnya. COI akan ditolak daripada nilai
akaun melalui pembatalan unit-unit. COI
yang ditolak adalah tertakluk kepada Cukai
Barang dan Perkhidmatan (CBP2), yang mana
berkenaan.
ukai Barang dan Perkhidmatan (CBP) mengikut Akta Cukai Barang

C
dan Perkhidmatan 2014 yang kini pada kadar 6%. Kadar semasa
CBP adalah tertakluk kepada perubahan.
Komisen
Berikut adalah contoh komisen (sebagai peratusan atas premium
insurans) berdasarkan premium insurans RM2,400 setahun:
Tahun Polisi
Kadar komisen (%)
20
Komisen (RM)
480
120
120
120
120
120
Tahun Polisi
10
Seterusnya
Kadar komisen (%)
Komisen (RM)
120
120
120
120
1) Untuk premium penambahan berjadual/premium penambahan

tunggal, komisen sebanyak 3.75% perlu dibayar dan ditanggung
oleh pemilik polisi.
2) Bonus prestasi (5% daripada premium insurans tahun pertama)
dan bonus berterusan (10% daripada premium insurans tahun
ke-2 dan ke-3) perlu dibayar dan ditanggung oleh pemilik polisi.
RM5.30 (termasuk CBP2) setiap polisi setiap

bulan akan ditolak daripada nilai akaun melalui
pembatalan unit-unit dalam setiap dana
mengikut perkadaran berdasarkan nilai akaun.
Rider untuk perlindungan tambahan
Caj
penukaran
dana
3 penukaran dana tanpa caj disediakan untuk

setiap tahun polisi. Penukaran seterusnya
tertakluk kepada RM53 (termasuk CBP2) untuk
setiap tukaran.
2) Rider Manfaat Multiple Pay Critical Illness
Caj
pengeluaran
separa
RM53 (termasuk CBP2) setiap transaksi

daripada amaun pengeluaran separa.
6) Rider Manfaat Policy Owner Waiver of Premium
Caj
pengurusan
dana (FMC)
Sila rujuk Helaian Fakta Dana untuk maklumat

dan caj.
Caj
perkhidmatan
SunLink memberikan anda kebebasan untuk memilih dan menyertakan

pelbagai rider penolakan unit kepada pelan asas anda:
1) Rider Manfaat Hospitalisation and Surgical
3) Rider Manfaat Accidental Death
4) Rider Manfaat Weekly Disability Income
5) Rider Manfaat Life Assured Waiver of Premium
Sila rujuk kepada dokumen-dokumen polisi untuk senarai penuh

terma-terma, syarat-syarat dan pengecualian-pengecualian di
bawah rider-rider tersebut.
Rider untuk perlindungan tambahan (samb.)
Jadual manfaat (samb.)
1) Rider Manfaat Hospitalisation and Surgical

Dengan kemunculan penyakit-penyakit baru dan peningkatan
kes kemalangan setiap hari, penjagaan perubatan telah mejadi
keperluan untuk setiap insan. Rider Manfaat Hospitalisation and
Surgical kami boleh membantu mengurangkan beban kewangan
akibat peningkatan dalam kos perubatan.
Jadual manfaat
Manfaat-manfaat Pelan
Pelan A Pelan B Pelan C Pelan D

(RM)
(RM)
(RM)
(RM)
A) Bilik & Penginapan Hospital3

Bilik & penginapan
hospital (maksimum
180 hari setahun)
150
Unit rawatan rapi

(maksimum 60 hari
setahun)
250
350
500
Seperti caj yang dikenakan
B) Perbelanjaan Hospital
Bekalan dan
perkhidmatan hospital
C) Perbelanjaan Pembedahan
Yuran pembedahan
(tertakluk kepada
jadual pembedahan)
Rawatan selepas
kemasukan hospital
(dalam tempoh 60 hari
selepas keluar hospital)
Pelan A
(RM)
Pelan B
(RM)
Pelan C
(RM)
Pelan D
(RM)
D) Perbelanjaan Bukan Pembedahan

Lawatan pakar
perubatan dalam
hospital (maksimum
120 hari setahun dan
2 lawatan sehari)
Rundingan pakar
sebelum kemasukan
hospital (dalam
tempoh 90 hari
sebelum kemasukan
hospital)
Rawatan selepas
kemasukan hospital
(dalam tempoh 60
hari selepas keluar
hospital)
Rawatan kecemasan
kemalangan pergigian
(dalam tempoh 24 jam
selepas kemalangan)
Rawatan kecemasan
kemalangan pesakit
luar (dalam tempoh
24 jam selepas
kemalangan)
Yuran pakar bius

Yuran dewan
pembedahan
Perkhidmatan
diagnosis sebelum
kemasukan hospital
(dalam tempoh 90 hari
sebelum kemasukan
hospital)
Manfaat-manfaat
Pelan
Prosedur
pembedahan harian
Rawatan kecemasan
pesakit luar (dari pukul
12 pagi hingga 6 pagi)
Yuran ambulans
Elaun tunai harian
di hospital kerajaan
Malaysia (maksimum
180 hari setahun)
50
Pemindahan organ
utama4 (sekali
seumur hidup)
Yuran laporan
perubatan
50
50
50
100
100
100
100
Jadual manfaat (samb.)

Manfaat-manfaat
Pelan
Pelan A
(RM)
Pelan B
(RM)
Pelan C
(RM)
Pelan D
(RM)
D) Perbelanjaan Bukan Pembedahan (samb.)

Rawatan kanser
pesakit luar
Rawatan dialisis buah

pinggang pesakit luar
Penjagaan
rawatan rumah
(maksimum setiap
ketidakupayaan)
Cukai Barang dan
Perkhidmatan (CBP)
500
750
1,000
1,500
Manfaat-manfaat
Pelan
Pelan A
(RM)
Pelan B
(RM)
Pelan C
(RM)
Pelan D
(RM)
Had Tahunan
Keseluruhan
75,000
125,000
175,000
250,000
Had Seumur Hidup

Keseluruhan
750,000 1,250,000 1,750,000 2,500,000
ekiranya terdapat naik taraf untuk bilik & penginapan, orang yang
S
diinsuranskan hendaklah menanggung perbezaan penuh antara
caj sebenar dengan manfaat bilik dan penginapan yang dibenarkan
serta sebanyak 20% daripada manfaat lain yang layak dalam bil
hospital.
4
Merangkumi kos untuk pemindahan organ utama orang yang
diinsuranskan, sebagai penerima organ dan bukannya sebagai
penderma organ.
3
2) Rider Manfaat Multiple Pay Critical Illness

Rider Manfaat Multiple Pay Critical Illness menyediakan
perlindungan tambahan untuk penyakit kritikal yang membolehkan
orang yang diinsuranskan membuat sebanyak 4 tuntutan dan
membayar kepada anda sehingga 4 kali ganda jumlah yang
diinsuranskan bagi rider untuk sepanjang tempoh rider. Setiap
diagnosis penyakit kritikal hendaklah dari kumpulan penyakit
kritikal berlainan kecuali untuk Angioplasti dan Rawatan Invasif
Lain untuk Penyakit Arteri Koronari Utama dan Kanser. Rider ini
turut memberi perlindungan untuk 2 kejadian Kanser, sekiranya had
pembayaran maksimum masih belum dicapai. Untuk Angioplasti
dan Rawatan Invasif Lain untuk Penyakit Arteri Koronari Utama,
hanya 10% daripada jumlah yang diinsuranskan untuk rider atau
maksimum RM25,000 akan dibayar.
2) Rider Manfaat Multiple Pay Critical Illness (samb.)

Kumpulan penyakit kritikal:

Kumpulan 1
Angioplasti dan Rawatan Invasif Lain untuk Penyakit Arteri
Koronari Utama
Pembedahan Pintasan Arteri Koronari
Kegagalan Buah Pinggang Tahap Akhir
Serangan Jantung
Pemindahan Organ Utama (Buah Pinggang)
Penyakit Sistik Medulari
Penyakit Arteri Koronari Lain yang Serius
Strok
Lupus Eritematosus Sistemik (SLE) dengan Nefritis Lupus
Kumpulan 2

Pembedahan Injap Jantung

Pemindahan Organ Utama (Jantung)
Kardiomiopati Teruk
Pembedahan Aorta
Kumpulan 3
Tumor Otak Benigna
Kebutaan/Kehilangan Penglihatan Menyeluruh
Pembedahan Otak
Koma
Kepekakan/Kehilangan Pendengaran Menyeluruh
Hilang Pertuturan
Melecur Teruk
Trauma Kepala Utama
Kumpulan 4
Penyakit Paru-paru Tahap Akhir
Kegagalan Hati Tahap Akhir
Hepatitis Virus Fulminan
Pemindahan Organ Utama (Hati/Paru-paru/Pankreas)
Hipertensi Arteri Pulmonari Primer
Kumpulan 5
Penyakit Alzheimer/Gangguan Kemerosotan Otak Organik
Tidak Boleh Pulih
Meningitis Bakteria
Ensefalitis
Kehilangan Upaya Hidup Sendiri
Penyakit Neuron Motor
Sklerosis Berbilang
Distrofi Otot
Kelumpuhan/Paraplegia
Penyakit Parkinson
2) Rider Manfaat Multiple Pay Critical Illness (samb.)
6) Rider Manfaat Policy Owner Waiver of Premium (samb.)

menghidap salah 1 daripada 36 penyakit kritikal yang dilindungi.
Perlindungan TPD akan tamat pada ulang tahun polisi, sejurus
selepas hari lahir pemilik polisi yang ke-65.
Kumpulan 6
Kanser
Anaemia Aplastik Kronik
HIV Akibat Transfusi Darah
Pemindahan Organ Utama (Sum-sum Tulang)
3) Rider Manfaat Accidental Death

Rider Manfaat Accidental Death akan memastikan anda
dan keluarga anda sentiasa dilindungi dari segi kewangan
seandainya kematian berlaku. Rider Manfaat Accidental Death
menyediakan perlindungan tambahan 100% daripada jumlah
yang diinsuranskan untuk rider dalam kejadian kematian orang
yang diinsuranskan akibat kemalangan.
4) Rider Manfaat Weekly Disability Income
Hilang upaya akibat kemalangan atau penyakit boleh
menyebabkan kehilangan pendapatan. Rider Manfaat Weekly
Disability Income kami menyediakan pendapatan berterusan
yang boleh membantu anda dan keluarga anda di saat anda
memerlukannya.
Senarai 36 Penyakit Kritikal

(untuk Rider Manfaat Life Assured Waiver of Premium dan Rider
Manfaat Policy Owner Waiver of Premium)
1
Penyakit Alzheimer/Gangguan Kemerosotan Otak Organik

Tidak Boleh Pulih
Meningitis Bakteria
Tumor Otak Benigna
Kebutaan/Kehilangan Penglihatan Menyeluruh
Pembedahan Otak
Kanser
Anaemia Aplastik Kronik
Koma
Pembedahan Pintasan Arteri Koronari
10 Kepekakan/Kehilangan Pendengaran Menyeluruh

Rider ini menyediakan pendapatan mingguan untuk hilang

upaya sehingga 52 minggu dalam kejadian hilang upaya atas
orang yang diinsuranskan akibat penyakit (yang menyebabkan
kemasukan hospital) atau kemalangan.
5) Rider Manfaat Life Assured Waiver of Premium

Kami memahami bahawa kesejahteraan keluarga anda adalah
keutamaan nombor satu anda. Lebih dari segalanya, anda mahu
memastikan kesemua keperluan mereka terjaga dan masa
hadapan mereka turut terjamin setiap masa sekiranya anda
menghidap penyakit kritikal. Rider Manfaat Life Assured Waiver
of Premium akan mengecualikan kesemua premium masa
depan sehingga tarikh luput pelan asas apabila anda didiagnosis
menghidap salah 1 daripada 36 penyakit kritikal yang dilindungi.
6) Rider Manfaat Policy Owner Waiver of Premium
Tidak ada perkara lain yang lebih penting daripada melindungi
keluarga anda dan memastikan keperluan mereka dipenuhi.
Anda bekerja keras setiap hari untuk menyediakan segalanya
kepada mereka tetapi adakah ia mencukupi untuk memastikan
masa depan mereka terjamin? Rider Manfaat Policy Owner
Waiver of Premium akan mengecualikan kesemua premium
masa depan sehingga tamat tempoh rider sekiranya pemilik
polisi meninggal dunia, mengalami TPD atau apabila didiagnosis
11 Ensefalitis
12 Kegagalan Buah Pinggang Tahap Akhir
13 Kegagalan Hati Tahap Akhir
14 Penyakit Paru-paru Tahap Akhir
15 Hepatitis Virus Fulminan
16 Serangan Jantung
17 Pembedahan Injap Jantung
18 HIV Akibat Transfusi Darah
19 Kehilangan Upaya Hidup Sendiri
20 Hilang Pertuturan
21 Melecur Teruk
22 Trauma Kepala Utama
23 Pemindahan Organ Utama/Sum-sum Tulang
24 Penyakit Sistik Medulari
25 Penyakit Neuron Motor
26 Sklerosis Berbilang
27 Distrofi Otot

Senarai 36 Penyakit Kritikal (samb.)
(untuk Rider Manfaat Life Assured Waiver of Premium dan Rider
Manfaat Policy Owner Waiver of Premium)
28 Penyakit Arteri Koronari Lain yang Serius
29 Kelumpuhan/Paraplegia
30 Penyakit Parkinson
31 Hipertensi Arteri Pulmonari Primer
32 Kardiomiopati Teruk
33 Strok
34 Pembedahan Aorta
35 Lupus Eritematosus Sistemik (SLE) dengan Nefritis Lupus
36 Penyakit Membawa Maut
Pengecualian-pengecualian
(Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada
dokumen-dokumen polisi untuk maklumat lanjut mengenai
pengecualian-pengecualian)
Manfaat
Manfaat
Kematian
Hanya nilai akaun yang akan dibayar sekiranya

kematian orang yang diinsuranskan disebabkan
oleh bunuh diri (sama ada waras atau tidak
waras) dalam tempoh 12 bulan dari tarikh polisi
dikeluarkan atau tarikh pengembalian semula,
yang mana terkemudian.
Manfaat TPD
Tiada manfaat akan dibayar sekiranya TPD

disebabkan oleh:
Berkhidmat secara aktif dalam tentera laut,
tentera darat, tentera udara, perkhidmatan
berkaitan kebakaran dan polis;
AIDS;
Perjalanan melalui udara selain dari
penerbangan komersial;
Melanggar undang-undang;
Penyalahgunaan dadah atau alkohol;
Sebarang percubaan membunuh diri atau
mencederakan diri sendiri (sama ada waras
atau tidak waras); atau
Mogok, rusuhan, rusuhan awam.
Pengecualian-pengecualian (samb.)
Manfaat
Rider Manfaat Tiada manfaat akan dibayar sekiranya dimasukkan

Hospitalisation ke hospital, pembedahan atau caj-caj disebabkan
and Surgical
secara langsung atau tidak langsung, keseluruhan
atau sebahagian, oleh mana-mana satu yang
berikut:
AIDS;
atau tidak waras);
Prosedur penyunatan atau pensterilan;
Keabnormalan kongenital;
Pembedahan kosmetik atau plastik;
Rawatan pergigian atau pembedahan oral;
Peralatan atau perkakasan prostetik luaran;
Sukan berbahaya;
Keadaan perubatan atau fizikal yang berlaku
dalam tempoh menunggu;
Rawatan untuk ketagihan alkohol atau dadah;
Pendermaan organ;
Kehamilan, kelahiran anak, keguguran atau
pengguguran;
Keadaan sedia ada;
Sakit jiwa, gangguan mental atau saraf;
Radiasi atau pencemaran dari nuklear;
Pertukaran jantina;
Penyakit tertentu; atau
Rider Manfaat Tiada manfaat akan dibayar sekiranya penyakit
Multiple Pay
kritikal disebabkan secara langsung atau tidak
Critical Illness langsung, keseluruhan atau sebahagian, oleh
mana-mana satu yang berikut:
AIDS;
Keadaan kongenital;
Penyakit kritikal dalam tempoh menunggu
kecuali keadaan penyakit kritikal disebabkan
oleh kecederaan akibat kemalangan;
Meninggal dunia dalam tempoh hidup;
Manfaat
Rider Manfaat Mengambil bahagian dalam mana-mana

Multiple Pay
kegemaran/aktiviti seperti sebarang jenis
Critical Illness
perlumbaan, sukan udara, menyelam, sukan
(samb.)
profesional;
Keadaan sedia ada;
Mencederakan diri sendiri sama ada waras
atau tidak waras; atau
Peperangan, peperangan biologi/peperangan
kimia, keganasan.
Rider Manfaat Tiada manfaat akan dibayar sekiranya kematian
Accidental
akibat
kemalangan
disebabkan
secara
Death
langsung atau tidak langsung, keseluruhan atau
sebahagian, oleh mana-mana satu yang berikut:
atau tidak waras);
Perbuatan jenayah;
Sukan berbahaya;
Kehamilan atau kelahiran anak;
Kecacatan fizikal atau mental yang sedia ada;
atau
Rider
Manfaat
Weekly
Disability
Income
Tiada manfaat akan dibayar sekiranya hilang

upaya menyeluruh dan sementara atau hilang
upaya separa dan sementara disebabkan secara
atau tidak waras);
Perbuatan jenayah;
Sukan berbahaya;
Kehamilan atau kelahiran anak;
Keadaan sedia ada;
Mogok, rusuhan, rusuhan awam; atau
Hilang upaya akibat penyakit dalam tempoh
menunggu.
Manfaat
Rider Manfaat
Life Assured
Waiver of
Premium
Tiada premium masa depan akan dikecualikan

sekiranya penyakit kritikal disebabkan secara
AIDS;
Keadaan kongenital;
Mengambil bahagian dalam mana-mana
perlumbaan, sukan udara, menyelam, sukan
profesional;
Keadaan sedia ada;
Peperangan, peperangan biologi/peperangan
kimia, keganasan.
Rider Manfaat Tiada premium masa depan akan dikecualikan

Policy Owner sekiranya:
Waiver of
1) Kematian disebabkan oleh bunuh diri (sama
Premium
ada waras atau tidak waras) dalam tempoh
12 bulan dari tarikh polisi dikeluarkan atau
tarikh pengembalian semula, yang mana
terkemudian.
2) TPD disebabkan oleh:
Berkhidmat secara aktif dalam tentera laut,
tentera darat, tentera udara, perkhidmatan
berkaitan kebakaran dan polis;
AIDS;
Melanggar undang-undang;
mencederakan diri sendiri (sama ada
waras atau tidak waras); atau
Manfaat
Rider Manfaat 3) Penyakit kritikal disebabkan secara langsung

Policy Owner
atau tidak langsung, keseluruhan atau
Waiver of
sebahagian, oleh mana-mana satu yang
Premium
berikut:
(samb.)
AIDS;
Keadaan kongenital;
Mengambil bahagian dalam mana-mana
perlumbaan, sukan udara, menyelam,
sukan profesional;
Keadaan sedia ada;
Peperangan,
peperangan
biologi/
peperangan kimia, keganasan.
Nota-nota penting
1) Ini adalah produk insurans yang berkait dengan prestasi
aset-aset yang mendasarinya, dan ia bukanlah produk
pelaburan semata-mata seperti unit amanah.
2) Ini adalah risalah produk dan bukan dokumen kontrak polisi.
Sila rujuk kepada Helaian Fakta Dana, Ilustrasi Jualan dan
Dokumen Keterangan Produk untuk maklumat lanjut mengenai
pelan dan juga dokumen kontrak polisi untuk terma-terma dan
syarat-syarat lengkap di bawah pelan ini.
3) Anda seharusnya berpuas hati bahawa pelan ini memenuhi
keperluan anda dengan sebaiknya dan memastikan bahawa
premium yang perlu dibayar di bawah pelan ini adalah amaun
yang anda mampu bayar.
4) Sekiranya penyertaan anda melibatkan jumlah premium yang
agak besar, contohnya RM5,000 dan ke atas, anda seharusnya
mempertimbangkan untuk menyertai pelan berkaitan-pelaburan
premium tunggal memandangkan pelan premium tunggal
menawarkan kadar peruntukan yang lebih baik untuk pelaburan.
5) Anda boleh membatalkan polisi anda dalam tempoh 15 hari
selepas ia dihantar dan amaun bayaran balik yang anda terima
adalah jumlah premium tidak diperuntukkan, nilai akaun pada
tarikh penilaian seterusnya dan sebarang kos insurans serta
caj perkhidmatan yang telah dipotong, ditolak sebarang
perbelanjaan yang ditanggung untuk sebarang pengunderaitan
perubatan yang diperlukan.
Nota-nota penting (samb.)

6) Sekiranya anda membatalkan polisi anda pada tahun-tahun
awal, anda mungkin mendapat kembali amaun yang kurang
daripada jumlah yang telah anda bayar.
7) Sekiranya anda tidak membayar premium dalam tempoh masa
31 hari, terdapat kemungkinan di mana pada bila-bila masa
nilai akaun anda tidak mencukupi untuk menyokong polisi asas
dan rider yang disertakan (jika ada) dan polisi anda akan luput.
8) Amaun premium yang dibayar boleh dituntut sebagai
pelepasan cukai pendapatan, tertakluk kepada Lembaga Hasil
Dalam Negeri.
9) Semua cukai, termasuk tetapi tidak terhad kepada sebarang
cukai barang dan perkhidmatan, dan/atau lain-lain bentuk
cukai jualan atau kepenggunaan, sama ada yang berkuatkuasa
pada masa ini atau dilaksanakan selepas tarikh polisi akan
dikenakan mengikut undang-undang yang berkenaan pada
kadar semasa. Jika perlu, kami akan meminda terma-terma
polisi untuk mengambil kira cukai-cukai sedemikian.
10) Pelan ini ditaja jamin oleh Sun Life Malaysia Assurance
Berhad (197499-U), penanggung insurans yang berdaftar
dengan Bank Negara Malaysia di bawah Akta Perkhidmatan
Kewangan 2013.
11) Pelan ini diedarkan oleh CIMB Bank Berhad (13491-P) dan
berpejabat di Menara Bumiputra-Commerce, 11, Jalan Raja
Laut, 50350 Kuala Lumpur, Malaysia.
Untuk maklumat lanjut, layari www.cimbbank.com.my,
hubungi 1 300 880 900 atau kunjungi mana-mana cawangan
CIMB Bank di seluruh negara.
CIMB Malaysia
CIMB_Assists
Berhubunglah dengan kami di:
Ditaja jamin oleh

Aras 11, 338 Jalan Tuanku Abdul Rahman
Telefon (603) 2612 3600 Faksimili (603) 2698 7035
Talian Khidmat Pelanggan Careline 1300-88-5055
sunlifemalaysia.com
Usahasama di antara Sun Life Assurance Company of Canada dan
Renggis Ventures Sdn Bhd
SunLink?
99
(TPD)SunLink
Sun Life
Malaysia
Growth
SunLink
SunLink
CIMB-Principal Asset Management

Berhad
Sun Life
Malaysia
Balanced
Moderate
( 65
)
99
RM2,400
Sun Life Malaysia Growth

Sun Life Malaysia Conservative
Sun Life Malaysia Growth: 50%
Sun Life Malaysia Conservative: 50%
Berhad
99
()
30
18
65
99
Sun Life
Malaysia
Conservative
98%(NAV)
80%

(NAV)
(RAM)AA3
(MARC)(Moodys)
(S&P)(Fitch)
80%
Berhad
Sun Life
Malaysia
Equity
Income
CIMB-Principal Equity
Income()
()
()
Sun Life
Malaysia
Equity
Income
()
50%
()/
(IOSCO)
(BNM)
(SC)
Sun Life
Malaysia
Asia Pacific
Dynamic
Income
CIMB-Principal
Asia Pacific Dynamic Income
15%
RAMBBB3P2
MARC
S&P
BBMoodys
Fitch
70%98%
2%
()
Berhad
Sun Life
Malaysia
Select Asia
(ex Japan)
Quantum
Affin Hwang Select Asia

()Quantum()
15
()
30
()
(NAV)25%
15(50%-99.8%)
3 0 (
25%)()
75%99.80%

()
Affin Hwang Asset Management
Berhad (Hwang Investment Management
Berhad)
70% 98%
15%
2%


Berhad
Sun Life
CIMB-Principal Global
Malaysia
T i t a n s ()
Global Titans
50%
3
98%
50%
90%
3PGI
()
()
Sun Life
75%98%
Malaysia

Global Titans PGI
()
PGIPGI
RM53(2)
RM53(2)
* PGIPrincipal Global Investors

Berhad
90
2
RM50
(RM10)
RM500
(RM10)
20146%
RM2,400()
(%)
20
(RM)
480
120
120
120
120
120
10
(%)
(%)
45%
95%
(%)
60%
95%
(RM)
120
120
120
120
80%
95%
90%
95%
100%
95%
1) /
3.75%
2) (5%)(
10%)
()
2()
RM5.30( )
SunLink
1)
2)
3)
4)
5)
6)
()
()
1)

D) ()
(12am6am)
A
(RM)
B
(RM)
C
(RM)
D
(RM)
(60)
150
250
350
B
(RM)
C
(RM)
(180)
500
50
4
()
B)
50
50
100
100
100
C)
()
()
(90)
(120
)
1,500
75,000
125,000
175,000
250,000
750,000 1,250,000 1,750,000 2,500,000
2)

(90)
(24)
1,000
20%
4

D)
(24)
750
100
(60)
(60)
500
50
D
(RM)
A) 3
(180)
A
(RM)
44
2
10%
RM25,000
()
()
2) ()
2) ()

()

()

3)

100%
()

()

(//)

/

/

4)

()
52
5)

36
6)

36
65
()
()
36
(
)
36 ()
(
)
32
33
34
35
36
10 /
11
(
)
()
12(
)

(
)

(
)

12
13
14
15
16
17
18
19
20
21
22
23 /
24
25
26
27
28
29 /
30
31
()
()
()
(
)

/
()

/

(
)

(
)

1) ()
12(
)
2)

(
)

()
()
()
3)

/

(
)

1)
2)

3)
4)
5)
6)
7)
8)
9)
RM5,000
15
31
()
10) Sun Life Malaysia Assurance Berhad (197499-U)
2013
11) (CIMB Bank Berhad) (13491-P)

: Menara Bumiputra-Commerce, 11, Jalan Raja
Laut, 50350 Kuala Lumpur, Malaysia.
www.cimbbank.com.my
1 300 880 900
CIMB Bank
:
CIMB Malaysia
CIMB_Assists

Level 11, 338 Jalan Tuanku Abdul Rahman
(603) 2612 3600 (603) 2698 7035
1300-88-5055 sunlifemalaysia.com
Sun Life Assurance Company of Canada Renggis Ventures
Sdn Bhd
SUNLINK
Pelan yang dicipta

khas untuk menepati
keperluan anda.
V.2

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SUNLINK

A plan custom made

Eligibility (Age last birthday basis)

It is a regular premium investment-linked plan that offers insurance

Minimum age of entry

Maximum expiry age

Applicable only for basic plan without rider.

Objective & Strategy

Fund objective: Maximise capital growth via

This plan provides the following benefits:

Sum assured plus account value (TPD

Surrender value is equivalent to the account

Sum assured plus account value

Premium term & payment

Maximum age of entry

More about SunLink

Fund objective: Provide a balanced investment

Investment-linked funds (contd.)

Investment-linked funds (contd.)

Objective & Strategy

Objective & Strategy

Fund strategy: The funds Net Asset Value

Fund objective: This fund feeds into the Affin

Fund strategy: The target fund invest mainly

Investment-linked funds (contd.)

Investment-linked funds (contd.)

Objective & Strategy

investment will focus on high dividend yielding

Objective & Strategy

RM50 (in multiple of

RM500 (in multiple of

Note: The unallocated premium will be utilised for commission and

Fees & charges

COI of the basic policy including optional riders

RM5.30 (inclusive of GST2) per policy per

Fees & charges (contd.)

Riders for added protection (condt)

No charges for the first 3 fund switches for every

RM53 (inclusive of GST2) per transaction from

Hospital room & board

Hospital supplies and

Commission rate (%)

Riders for added protection

Intensive care unit

2) Production bonus (5% of the 1st year insurance premium) and

A) Hospital Room & Board3

Commission rate (%)

1) For scheduled top-up premium/single top-up premium, 3.75%

C) Expenses For Surgical Cases

Schedule of benefits (contd.)

Schedule of benefits (contd.)

D) Expenses For Non-Surgical Cases (contd.)

Day surgery procedure

Major organ transplant4

Overall Annual Limit

75,000 125,000 175,000 250,000

Overall Lifetime Limit

750,000 1,250,000 1,750,000 2,500,000

Grouping of critical illnesses:

Goods and Services

2) Multiple Pay Critical Illness Benefit Rider

Home nursing care

Medical report fees

Riders for added protection (contd.)

2) Multiple Pay Critical Illness Benefit Rider (contd.)

ukai Barang dan Perkhidmatan (CBP) mengikut Akta Cukai Barang