{"id":9705,"date":"2024-12-23T11:57:22","date_gmt":"2024-12-23T03:57:22","guid":{"rendered":"https:\/\/www.tuneprotect.com\/my\/?page_id=9705"},"modified":"2025-04-29T16:20:21","modified_gmt":"2025-04-29T08:20:21","slug":"tune-sihat-pds","status":"publish","type":"page","link":"https:\/\/www.tuneprotect.com\/my\/tune-sihat-pds\/","title":{"rendered":"Tune Sihat PDS"},"content":{"rendered":"\n<div class=\"header\" id=\"pds-header\">\n    <img src=\"data:image\/png;base64,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class=\"logo\" alt=\"Tune Protect\" style=\"float:right;width:100px\"\/><br \/>\n    <span class=\"company-name\" style=\"font-weight: bold;color: #ff0000;font-size: 16px;\">TUNE PROTECT MALAYSIA<\/span><br \/>\n    <span class=\"company-slogan\" style=\"font-size: 12px;\">Tune Insurance Malaysia Berhad (197601004719)<\/span><br \/>\n      <span style=\"font-size: 12px;\">Level 9, Wisma Capital A, No. 19, Lorong Dungun, <\/span><br \/>\n      <span style=\"font-size: 12px;\">Damansara Heights, 50490 Kuala Lumpur.<\/span><br \/>\n      <span style=\"font-size: 12px;\"><span style=\"color:#EB6B69;\">T:<\/span> 1800 88 5753 <span style=\"color:#EB6B69;margin-left:5px;\">  F:<\/span> +603-2094 1366 <span style=\"margin-left:5px;\">W:<\/span> <a href=\"http:\/\/www.tuneprotect.com\" target=\"_blank\" rel=\"noopener\">www.tuneprotect.com .com<\/a> <span style=\"margin-left:5px;\">E:<\/span> <a href=\"mailto:hello.my@tuneprotect.com\">hello.my@tuneprotect.com<\/a><\/span><\/p>\n<p style=\"font-size: 20px;margin-top: 20px !important; margin-bottom: -18px;\">Tune Sihat<\/p>\n<p><span style=\"float:right;\">A PIDM Member<\/span>\n  <\/div>\n<form id=\"multiStepForm\">\n<div class=\"form-section active\">\n<div>\n         <label for=\"insuredName\">Insured Person Name:<\/label><br \/>\n         <input type=\"text\" id=\"insuredName\" name=\"insuredName\" required autocomplete=\"off\">\n      <\/div>\n<div>\n         <label for=\"agentName\">Agent Name:<\/label><br \/>\n         <input type=\"text\" id=\"agentName\" name=\"agentName\" autocomplete=\"off\">\n      <\/div>\n<div>\n         <label for=\"agentAddress\">Agent Address:<\/label><br \/>\n         <input type=\"text\" id=\"agentAddress\" name=\"agentAddress\" autocomplete=\"off\">\n      <\/div>\n<div>\n         <label for=\"emailAddress\">Email:<\/label><br \/>\n         <input type=\"email\" id=\"emailAddress\" name=\"emailAddress\" autocomplete=\"off\">\n      <\/div>\n<div>\n         <label for=\"entryAge\">Entry Age:<\/label><br \/>\n         <input type=\"number\" id=\"entryAge\" name=\"entryAge\" min=\"1\" max=\"60\" oninput=\"checkLength(this)\" required>\n      <\/div>\n<div>\n         <label for=\"plan\">Plan:<\/label><br \/>\n         <select id=\"plan\" name=\"plan\" autocomplete=\"off\"><option value=\"Plan 1\">Plan 1<\/option><option value=\"Plan 2\">Plan 2<\/option><option value=\"Plan 3\">Plan 3<\/option><option value=\"Plan 4\">Plan 4<\/option><option value=\"Plan 5\" selected>Plan 5<\/option><\/select>\n      <\/div>\n<div>\n         <label for=\"dentalCoverage\">Dental Coverage:<\/label><br \/>\n         <input type=\"radio\" id=\"dentalYes\" name=\"dentalCoverage\" class=\"dentalCoverage\" value=\"Yes\" autocomplete=\"off\"> Yes<br \/>\n         <input type=\"radio\" id=\"dentalNo\" name=\"dentalCoverage\" class=\"dentalCoverage\" value=\"No\" checked autocomplete=\"off\"> No\n      <\/div>\n<p>      <!--\n\n<div id=\"frm_field_2711_container\" class=\"frm_form_field form-field  frm_left_container frm_two_col\">\n         <label for=\"field_ay9du\" class=\"frm_primary_label\">Agent Name\n             <span class=\"frm_required\"><\/span>\n         <\/label>\n         <input type=\"text\" id=\"field_ay9du\" name=\"item_meta[2711]\" value=\"\" data-sectionid=\"2688\"> \n         <\/div>\n\n--><\/p>\n<div>\n         <label for=\"deductible\">Deductible:<\/label><br \/>\n         <select id=\"deductible\" name=\"deductible\" autocomplete=\"off\"><option value=\"0\">0<\/option><option value=\"500\">500<\/option><option value=\"3000\">3000<\/option><option value=\"5000\">5000<\/option><option value=\"10000\">10000<\/option><option value=\"20000\">20000<\/option><\/select>\n      <\/div>\n<div class=\"navigation\">\n         <button type=\"button\" id=\"fetchDataButton\" class=\"next\">Next<\/button>\n      <\/div>\n<\/p><\/div>\n<div id=\"overlay\" style=\"display: none;\"><\/div>\n<div id=\"loader\" style=\"display: none;\">\n      <!--<img src=\"https:\/\/uat-wprs.tuneprotect.com\/my\/wp-content\/themes\/tuneprotect\/images\/loader.gif\" alt=\"Loading...\">-->\n   <\/div>\n<div class=\"form-section\" id=\"pds-data\">\n<div>\n<h3 style=\"border-top: 1px solid #ff0000;padding-top: 10px;\">PRODUCT DISCLOSURE SHEET <\/h3>\n<p>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 <a href=\"https:\/\/s3.ap-southeast-1.amazonaws.com\/tuneprotect.com\/pdf\/TPTuneSihatMedical_Leaflet_18112024.pdf\" target=\"_blank\" rel=\"noopener\" style=\"text-decoration:underline\">here<\/a><\/p>\n<\/p><\/div>\n<h2> Step 1 <span class=\"h2Span\">Is this policy right for you?<\/span><\/h2>\n<ul>\n<li>This policy covers hospitalization and surgical expenses (&#8220;H&#038;S&#8221;) incurred due to accident or illnesses covered under the policy until 60 years old and renewal until 80 years old.<\/li>\n<li>Your premiums will be pooled with other policy owners&#8217; 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 <b>even if you did not make a claim<\/b>. <\/li>\n<\/ul>\n<h2>Step 2 <span class=\"h2Span\">Does it meet your needs?<\/span><\/h2>\n<table class=\"benefit-tables \" id=\"coverage-table\" width=\"100%;border-radius:20px\">\n<thead>\n<tr class=\"theader\">\n<th style=\"background: #FF0000;padding: 5px;\" class=\"text-center\">What is covered?<\/th>\n<th style=\"background: #CE0000;padding: 5px;\" class=\"text-center\">What is not covered?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr valign=\"top\">\n<td class=\"td-border-right\">\u2022\tHospital Room &#038; Board: <span class=\"r-b\"><\/span><\/td>\n<td style=\"text-align:left !important;\">\u2022\tPre-existing Conditions<\/td>\n<\/tr>\n<tr valign=\"top\">\n<td class=\"td-border-right\">\u2022\tSurgical Expense:  <span class=\"surgical\">As Charged<\/span><\/td>\n<td style=\"text-align:left !important;\">\u2022\tSpecified Illnesses<\/td>\n<\/tr>\n<tr valign=\"top\">\n<td class=\"td-border-right\">Benefits payable are on <span id=\"payment-type\"><\/span> basis and subject to:<br \/>\n                  \u2022\tAnnual Limit: RM<span class=\"annual-limit\"><\/span><br \/>\n                  \u2022\tLifetime Limit: RM<span class=\"lifetime-limit\"><\/span>\n               <\/td>\n<td style=\"text-align:left !important;\">\u2022\tSuicide, attempted suicide or intentionally self-inflicted injury<br \/>\n                  \u2022\tCommunicable diseases required quarantine by law\n               <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This is not a complete list. Please read your policy contract carefully for full details on what is and is not covered<\/p>\n<h2>Step 3 <span class=\"h2Span\">Can you afford the increase in premiums over time?<\/span><\/h2>\n<p style=\"text-align:center;font-weight:bold;margin-bottom: -15px;\">Premium Projection Table<\/p>\n<table class=\"benefit-tables \" width=\"100%;border-radius:20px\">\n<thead>\n<tr class=\"theader\">\n<th style=\"background: #CE0000;padding: 5px;width: 10%;\" class=\"text-center\" rowspan=\"2\">Age<\/th>\n<th style=\"background: #FF0000;padding: 5px; width: 20%;\" class=\"text-center\" rowspan=\"2\">Current Premium upon attained age (RM)<\/th>\n<th style=\"background: #CE0000;padding: 5px;width: 20%;\" class=\"text-center\" colspan=\"2\">Estimated Premium<\/th>\n<th style=\"background: #CE0000;padding: 5px;width: 20%;\" class=\"text-center\" rowspan=\"2\">Over the long term, you can reduce premiums payable by choosing plans with:<\/th>\n<p><\/\n<\/tr>\n<tr class=\"theader\">\n               <!--\n\n\n\n<th style=\"background: #FF0000;padding: 5px;\" class=\"text-center\">Renewal Year<\/th>\n\n\n\n--><\/p>\n<th style=\"background: #CE0000;padding: 5px;width: 20%;\" class=\"text-center\">Based on medical inflation of 7% per annum <sup style=\"color:red\">1<\/sup> (RM)<\/th>\n<th style=\"background: #CE0000;padding: 5px;width: 20%;\" class=\"text-center\">Based on medical inflation of 10% per annum (RM)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr valign=\"top\">\n               <!--\n\n<td class=\"td-border-right\"><span id=\"renewal\">0<\/span><\/td>\n\n--><\/p>\n<td style=\"text-align:center !important;\"><span id=\"age0\"><\/span><\/td>\n<td class=\"td-border-right\"><span id=\"plan-premium0\"><\/span><\/td>\n<td><\/td>\n<td><\/td>\n<td rowspan=\"5\">(a) A higher deductible.<br \/>(b) A lower annual\/lifetime limit.<\/td>\n<\/tr>\n<p>            <!--\n\n<tr valign=\"top\">\n               \n\n<td class=\"td-border-right\"><span id=\"renewal2\"><\/span><\/td>\n\n\n               \n\n<td><span id=\"age2\"><\/span><\/td>\n\n\n               \n\n<td class=\"td-border-right\"><span id=\"plan-premium1\"><\/span><\/td>\n\n\n               \n\n<td><span id=\"infl-premium1\"><\/span><\/td>\n\n\n               <\/tr>\n\n\n               \n               \n\n<tr valign=\"top\">\n               \n\n<td class=\"td-border-right\"><span id=\"renewal3\"><\/span><\/td>\n\n\n               \n\n<td><span id=\"age3\"><\/span><\/td>\n\n\n               \n\n<td class=\"td-border-right\"><span id=\"plan-premium2\"><\/span><\/td>\n\n\n               \n\n<td><span id=\"infl-premium2\"><\/span><\/td>\n\n\n               \n               <\/tr>\n\n--><\/p>\n<tr valign=\"top\">\n               <!--\n\n<td class=\"td-border-right\"><span id=\"renewal4\"><\/span><\/td>\n\n--><\/p>\n<td style=\"text-align:center !important;\"><span id=\"age5\"><\/span><\/td>\n<td><span id=\"plan-premium5\"><\/span><\/td>\n<td><span id=\"infl-premium5\"><\/span><\/td>\n<td><span id=\"infl-premium10-5\"><\/span><\/td>\n<\/tr>\n<tr valign=\"top\">\n               <!--\n\n<td class=\"td-border-right\"><span id=\"renewal5\"><\/span><\/td>\n\n--><\/p>\n<td style=\"text-align:center !important;\"><span id=\"age10\"><\/span><\/td>\n<td class=\"td-border-right\"><span id=\"plan-premium10\"><\/span><\/td>\n<td><span id=\"infl-premium10\"><\/span><\/td>\n<td><span id=\"infl-premium10-10\"><\/span><\/td>\n<\/tr>\n<tr valign=\"top\">\n               <!--\n\n<td class=\"td-border-right\"><span id=\"renewal6\"><\/span><\/td>\n\n--><\/p>\n<td style=\"text-align:center !important;\"><span id=\"age15\"><\/span><\/td>\n<td class=\"td-border-right\"><span id=\"plan-premium15\"><\/span><\/td>\n<td><span id=\"infl-premium15\"><\/span><\/td>\n<td><span id=\"infl-premium10-15\"><\/span><\/td>\n<\/tr>\n<tr valign=\"top\">\n               <!--\n\n<td class=\"td-border-right\"><span id=\"renewal7\"><\/span><\/td>\n\n--><\/p>\n<td style=\"text-align:center !important;\"><span id=\"age20\"><\/span><\/td>\n<td class=\"td-border-right\"><span id=\"plan-premium20\"><\/span><\/td>\n<td><span id=\"infl-premium20\"><\/span><\/td>\n<td><span id=\"infl-premium10-20\"><\/span><\/td>\n<\/tr>\n<tr valign=\"top\">\n<td colspan=\"5\" class=\"no-bottom\">\u2022\tThe projection above is solely for <b>illustration purposes only.<\/b><\/td>\n<\/tr>\n<tr valign=\"top\">\n<td colspan=\"5\" class=\"no-bottom\">\u2022\tPremiums are affected by both the increase in treatment costs and the increased use of healthcare services by policy owners. This can result in actual medical inflation rate being higher or lower than the above illustration. We are undertaking the necessary cost containment measures in co-operation with other stakeholders to manage premium increases over time.<\/td>\n<\/tr>\n<tr valign=\"top\">\n<td colspan=\"5\" class=\"no-bottom\">\u2022\tThe bulk of your premiums will go to paying claims. On average, for every RM1.00 of premium paid, RM0.72<sup style=\"color:red\">2<\/sup> is allocated to pay claims. The remainder goes to pay commissions to insurance agent, management expenses and profits of the insurers.<\/td>\n<\/tr>\n<tr valign=\"top\">\n<td colspan=\"5\" class=\"no-bottom\"><span style=\"color:#ff0000\">1<\/span> This is the year-on-year increase in the average treatment cost as billed by hospitals to the insurance and takaful industry from years <span>2020<\/span> to <span class=\"lr-maxYr\">2023<\/span><\/td>\n<\/tr>\n<tr valign=\"top\">\n<td colspan=\"5\"><span style=\"color:#ff0000\">2<\/span> This is based on insurance and takaful industry average data from years <span class=\"lr-minYr\">2021<\/span> to <span class=\"lr-maxYr\">2023<\/span>. The actual experience of the plan you purchase may differ from the industry average.<\/td>\n<\/tr>\n<tr valign=\"top\">\n<td colspan=\"2\" width=\"50%\" class=\"no-bottom no-right-border\"><img src=\"data:image\/png;base64,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\n\" width=\"250px\" alt=\"\" \/><\/td>\n<td colspan=\"3\" class=\"no-bottom\"><img src=\"data:image\/png;base64,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\n\" width=\"250px\" alt=\"\" \/><\/td>\n<\/tr>\n<tr valign=\"top\">\n<td colspan=\"2\" class=\"no-bottom no-right-border\"><b>Now:<\/b> Premium sufficiently covers Claims and Others<\/td>\n<td colspan=\"3\" class=\"no-bottom\"><b>Future:<\/b> Arising from medical inflation, Premium may not be enough to cover Claims and Others<\/td>\n<\/tr>\n<tr valign=\"top\">\n<td colspan=\"2\" class=\" no-right-border\">* Others include Commissions, Management Expenses and Profits <\/td>\n<td colspan=\"3\">Note: This chart is not drawn to scale<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Step 4 <span class=\"h2Span\">What else should you be aware of?<\/span><\/h2>\n<ul>\n<li>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. <\/li>\n<li>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). <\/li>\n<li>Your coverage will only start 30 calendar days after the effective date of the policy. <\/li>\n<li>The commissions<sup style=\"color:#ff0000;\">3<\/sup> paid to the insurance agent is RM<span id=\"commission\">101<\/span> or 15% of the annual premium.\n<\/li>\n<li>You have read the Tune Protect Privacy Policy (<a target=\"_blank\" href=\"https:\/\/www.tuneprotect.com\/privacy-policy\/\" rel=\"noopener\" style=\"text-decoration:underline\">https:\/\/www.tuneprotect.com\/privacy-policy\/<\/a>) 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.\n<\/li>\n<\/ul>\n<p>This is not a complete list. Please read your policy contract carefully for full details on the key terms and conditions.<\/p>\n<p><span style=\"color:#ff0000\">3<\/span> These figures are based on the current premium upon attained age.<\/p>\n<h2>Step 5 <span class=\"h2Span\">Have you considered other products that might suit your needs?<\/span><\/h2>\n<p style=\"text-align:center;font-weight:bold;margin-bottom: -10px;\">Product Options Table<\/p>\n<table class=\"benefit-tables \" width=\"100%;border-radius:20px\">\n<thead>\n<tr class=\"theader\">\n<th style=\"background: #FF0000;padding: 5px;\" class=\"text-center\"><\/th>\n<th style=\"background: #CE0000;padding: 5px;\" class=\"text-center\">Recommended Product<\/th>\n<th colspan=\"2\" style=\"background: #FF0000;padding: 5px;\" class=\"text-center\">Alternative Product Options<\/th>\n<\/tr>\n<tr class=\"theader\">\n<th style=\"background: #FF0000;padding: 5px;\" class=\"text-center\">Name<\/th>\n<th style=\"background: #CE0000;padding: 5px;\" class=\"text-center\">Tune Sihat <br \/><span class=\"plan\"><\/span> <span class=\"dental\"><\/span><br \/><span class=\"deduct\"><\/span><\/th>\n<th style=\"background: #FF0000;padding: 5px;\" class=\"text-center\">Option 1<br \/>Tune Sihat <br \/><span class=\"plan\"><\/span><\/th>\n<th style=\"background: #CE0000;padding: 5px;\" class=\"text-center\">Option 2<br \/>Tune Sihat <br \/><span id=\"plan2\"><\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n            <!--\n\n<tr valign=\"top\">\n\n\n<td class=\"td-border-right\">Name<\/td>\n\n\n\n\n<td>Tune Sihat <br \/><span class=\"plan\"><\/span> <span class=\"dental\"><\/span><br \/><span class=\"deduct\"><\/span><\/td>\n\n\n\n\n<td class=\"td-border-right\">Option 1<br \/>Tune Sihat <br \/><span class=\"plan\"><\/span> <span class=\"dental\"><\/span><br \/><span class=\"deductX\"><\/span><\/td>\n\n\n\n\n<td>Option 2<\/td>\n\n\n\n<\/tr>\n\n--><\/p>\n<tr valign=\"top\">\n<td class=\"td-border-right\"><b>Annual Premium<\/b><\/td>\n<td>RM<span id=\"annual-premium\"><\/span><br \/><span style=\"font-size:12px; font-style:italic\">This includes the annual Premium for a basic medical insurance policy<\/span><\/td>\n<td class=\"td-border-right\"><span id=\"premium-option1\">RM<\/span><br \/><span style=\"font-size:12px; font-style:italic\">The annual premium is <span id=\"compare1\"><\/span><br \/>\nby RM<span id=\"ap-1\"><\/span><br \/>\n<\/span><\/td>\n<td><span id=\"premium-option2\">RM<\/span><br \/><span style=\"font-size:12px; font-style:italic\">The annual premium is <span id=\"compare2\"><\/span><br \/>\nby RM<span id=\"ap-2\"><\/span><\/span><\/td>\n<\/tr>\n<tr valign=\"top\">\n<td class=\"td-border-right\"><b>Coverage Term<\/b><\/td>\n<td>Until age 60 and renewal until age 80<br \/><span style=\"font-size:12px; font-style:italic\">&#8220;Renewal premium rates are not guaranteed&#8221;<\/span><\/td>\n<td>Until age 60 and renewal until age 80<br \/><span style=\"font-size:12px; font-style:italic\">&#8220;Renewal premium rates are not guaranteed&#8221;<\/span><\/td>\n<td>Until age 60 and renewal until age 80<br \/><span style=\"font-size:12px; font-style:italic\">&#8220;Renewal premium rates are not guaranteed&#8221;<\/span><\/td>\n<\/tr>\n<tr valign=\"top\">\n<td class=\"td-border-right\"><b>Type<\/b><\/td>\n<td><span id=\"cashless-0\"><\/span><br \/><span id=\"cashless-00\" style=\"font-size:12px; font-style:italic\"><\/span><\/td>\n<td class=\"td-border-right\"><span id=\"cashless-1\"><\/span><br \/><span id=\"cashless-11\" style=\"font-size:12px; font-style:italic\"><\/span><\/td>\n<td>Cashless Facility<br \/><span style=\"font-size:12px; font-style:italic\">We pay direct to hospitals<\/span><\/td>\n<\/tr>\n<tr valign=\"top\">\n<td class=\"td-border-right\"><b>Deductible<\/b><\/td>\n<td><span class=\"deductible-0\">&#8211;<\/span><\/td>\n<td class=\"td-border-right\"><span class=\"deductible-1\">&#8211;<\/span><\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr valign=\"top\">\n<td class=\"td-border-right\"><b>Hospital Room &#038; Board<\/b><\/td>\n<td><span class=\"r-b\"><\/span><\/td>\n<td class=\"td-border-right\"><span class=\"r-b\"><\/span><\/td>\n<td><span class=\"r-b2\"><\/span><\/td>\n<\/tr>\n<tr valign=\"top\">\n<td class=\"td-border-right\"><b>Surgical Expenses<\/b><\/td>\n<td class=\"surgical\"><\/td>\n<td class=\"td-border-right surgical\"><\/td>\n<td class=\"surgical2\">As Charged<\/td>\n<\/tr>\n<tr valign=\"top\">\n<td class=\"td-border-right\"><b>Annual Limit<\/b><\/td>\n<td>RM<span class=\"annual-limit\"><\/span><\/td>\n<td class=\"td-border-right\">RM<span class=\"annual-limit\"><\/span><\/td>\n<td>RM<span class=\"annual-limit2\"><\/span><\/td>\n<\/tr>\n<tr valign=\"top\">\n<td class=\"td-border-right\"><b>Lifetime Limit<\/b><\/td>\n<td>RM<span class=\"lifetime-limit\"><\/span><\/td>\n<td class=\"td-border-right\">RM<span class=\"lifetime-limit\"><\/span><\/td>\n<td>RM<span class=\"lifetime-limit2\"><\/span><\/td>\n<\/tr>\n<tr valign=\"top\">\n<td class=\"td-border-right\"><b>Optional Dental Treatment<\/b><\/td>\n<td><span id=\"dental-input\"><\/span><\/td>\n<td class=\"td-border-right\">No<\/td>\n<td>No<\/td>\n<\/tr>\n<tr valign=\"top\">\n<td colspan=\"4\" class=\"no-bottom\"><b>\u2022\tDeductible:<\/b> 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).<\/td>\n<\/tr>\n<tr valign=\"top\">\n<td colspan=\"4\" class=\"no-bottom\"><b>\u2022\tCo-insurance:<\/b> 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%.<\/td>\n<\/tr>\n<tr valign=\"top\">\n<td colspan=\"4\" class=\"no-bottom\"><b>\u2022\tAnnual Limit:<\/b> Maximum amount you can claim in a year.<\/td>\n<\/tr>\n<tr valign=\"top\">\n<td colspan=\"4\"><b>\u2022\tLifetime Limit:<\/b> Maximum amount you can claim throughout your lifetime.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>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<\/p>\n<h2 style=\"color:#ff0000; font-size:18px; margin:0px 0px 5px 0px !important\">Customer\u2019s Acknowledgement<\/h2>\n<p style=\"color:#ff0000; margin-bottom: 10px;\">Please ensure you are filling this section yourself and are aware of what you are placing your signature for.<\/p>\n<p><label class=\"ack\"><br \/>\n       <input type=\"checkbox\" name=\"checkbox\" class=\"ack-ckb\" value=\"value\"><br \/>\n       \u00a0\u00a0\u00a0I acknowledge that Tune Insurance Malaysia Berhad has provided me with a copy of the PDS.<br \/>\n    <\/label><br \/>\n<label class=\"ack\"><br \/>\n       <input type=\"checkbox\" name=\"checkbox\" class=\"ack-ckb\" value=\"value\"><br \/>\n       \u00a0\u00a0\u00a0I have read and understood the key information contained in this PDS.<br \/>\n    <\/label><\/p>\n<table style=\"float:right;margin-top:20px\" width=\"200\" class=\"consent\">\n<tr>\n<td colspan=\"2\">&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;<\/td>\n<\/tr>\n<tr>\n<td>Name:<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Date:<\/td>\n<td><\/td>\n<\/tr>\n<\/table>\n<div class=\"licensed\" id=\"licensed\">\n<p style=\"font-size:12px;\">Tune Insurance Malaysia Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.<br \/>\nThe benefit(s) payable under eligible policy is(are) protected by PIDM up to limits. Please refer to PIDM\u2019s TIPS Brochure or contact Tune Insurance Malaysia Berhad or PIDM (visit <a target=\"_blank\" href=\"https:\/\/www.pidm.gov.my\" rel=\"noopener\" style=\"text-decoration:underline\">www.pidm.gov.my<\/a>).\n<\/p>\n<p>Name of Agent: <span id=\"agent-name\"><\/span><\/p>\n<p style=\"margin-top:0px\">Address of Agent: <span id=\"agent-address\"><\/span><\/p>\n<\/div><\/div>\n<\/form>\n<div class=\"navigation\" id=\"nav-show\">\n         <button type=\"button\" class=\"prev\">Previous<\/button><br \/>\n         <button class=\"sub\" style=\"width:150px !important\" onclick=\"generatePDF()\">View PDS<\/button>\n      <\/div>\n<p><script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/jspdf\/2.4.0\/jspdf.umd.min.js\"><\/script><br \/>\n<script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/html2canvas\/1.4.1\/html2canvas.min.js\"><\/script><br \/>\n<script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/html2pdf.js\/0.9.2\/html2pdf.bundle.js\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>TUNE PROTECT MALAYSIA Tune Insurance Malaysia Berhad (197601004719) Level 9, Wisma Capital A, No. 19, Lorong Dungun, Damansara Heights, 50490 Kuala Lumpur. T: 1800 88 5753 F: +603-2094 1366 W: www.tuneprotect.com .com E: hello.my@tuneprotect.com Tune Sihat A PIDM Member Insured Person Name: Agent Name: Agent Address: Email: Entry Age: Plan: Plan 1Plan 2Plan 3Plan 4Plan [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/www.tuneprotect.com\/my\/wp-api\/wp\/v2\/pages\/9705"}],"collection":[{"href":"https:\/\/www.tuneprotect.com\/my\/wp-api\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.tuneprotect.com\/my\/wp-api\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.tuneprotect.com\/my\/wp-api\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tuneprotect.com\/my\/wp-api\/wp\/v2\/comments?post=9705"}],"version-history":[{"count":3,"href":"https:\/\/www.tuneprotect.com\/my\/wp-api\/wp\/v2\/pages\/9705\/revisions"}],"predecessor-version":[{"id":9911,"href":"https:\/\/www.tuneprotect.com\/my\/wp-api\/wp\/v2\/pages\/9705\/revisions\/9911"}],"wp:attachment":[{"href":"https:\/\/www.tuneprotect.com\/my\/wp-api\/wp\/v2\/media?parent=9705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}