Risk Acceptable (may answer NO to the underwriting questions)

1. Routine health check up with normal result including pre-employment check up.
2. Caesarean section for child birth.

Delivery Full Address

Address :

Address 2 :

Address 3 :

Postcode :

City / Town :

State :

Dear Valued Membership Advisors / Members,

MXM International Sdn Bhd (“MXM”) is committed to comply with the Personal Data Protection Act 2010 (“the Act”) which came into effect on 15th November 2013.

This Personal Data Protection Policy is in both Bahasa Malaysia and English. It will assist you to understand some basic questions including, amongst others, why and how do we collect your personal information, your rights to access these information, how to contact us and third party disclosure policy.

You may at your convenience review the details of any of your personal data which we have retained at our corporate head office located at MXM Tower, Level 801, Block A, Pusat Dagangan Phileo Damansara II, No 15, Jalan 16/11, Off Jalan Damansara, 46350 Petaling Jaya, Selangor Darul Ehsan. For more information with regards to this Policy, you can review the latest updates at www.mxm.com.my

For further clarification, please do not hesitate to contact our office at +603-7721 2888 or email us at enquiries@mxm.com.my

Thank you for your continued support.

PERSONAL DATA PROTECTION POLICY

This Personal Data Protection Policy is issued to all our existing, immediate and/or prospective membership advisors and members pursuant to the Personal Data Protection Act 2010 ("the Act") which came into force on 15 November 2013.

1.Rights of Access

In the course of your dealings with MXM International Sdn Bhd (“MXM”), we will require you to voluntarily provide data and information about yourself (“Personal Data”) to enable us to deliver notices, services and / or other information in connection with our existing and future membership programs, new membership program launches and incentive campaigns.

MXM will follow in accordance to the s. 30(4) of the Act, where any separate entries in respect of personal data held for different purposes, a separate data access request shall be made for each separate entry.

2.Personal Data

The Personal Data may include, but not limited to, information concerning your name, date of birth, identity number, passport number, address, gender, race, nationality, photographs and videos, contact information, e-mail address, education, occupation, telephone or fax number, your previous addresses and preferred mode of communication, religion, credit card details, bank account number and other information where permitted by applicable law.

For sensitive personal data, explicit consent has to be obtained from the individual for processing of the personal data. Sensitive personal data refer to any personal data that contains any of the following attributes:

1. Physical or mental health
2. Political Opinions
3. Religious Beliefs
4. Commission or alleged commission of any offense or any other personal data as determine by the minister

3.Purpose

The Personal Data may be collected, processed and used for one or more of the following purposes:

a. to process your application or request for our membership program;

b. to send you information by e-mail, telephone calls, SMS or social network applications or internet social media about the membership programs, services and incentive campaigns offered by MXM and selected third parties that we think may interest you while we maintain control over your Personal Data;

c. for the delivery of notices, services or other information and the marketing of such services or membership programs whether present or future, to you;

d. to conduct marketing and client profiling activities regarding our latest membership programs, services and/or incentive campaigns;

e. for our internal record keeping and maintenance of member records;

f. for insurance and risk management purposes;

g. for billing, accounting and financial purposes, including recovery of any debt owing to us;

h. to meet any legal or regulatory requirements imposed on us;

i. to facilitate any subsequent commercial transactions in relation to any incentive campaigns, membership programs and/or services; and/or

j. for any other purpose that is required or permitted by any law, regulations, guidelines and/or relevant regulatory authorities.

We will seek your prior agreement, consent and authorization in the event we intend to use your Personal Data for a purpose other than those that are set out above and in the privacy terms, if any, in your agreement(s) with us.

4. Source

The Personal Data will be legitimately and transparently obtained via the following manner:

a. official registration forms (either electronic or printed) or any other promotional events;

b. official Request for Information forms that are provided to you by our employees or membership advisors;

c. any emails or any correspondences that we have received from you requesting for information or making any inquiries;

d. any forms that you have submitted onto our website or any websites contracted by us;

e. any referral from any person which have included his/her verifiable personal contact details;

f. Business cards that were dropped or given to our employees or associates; and/or

g. any documents (including, but not limited to, statutory forms and returns) that were submitted to us for processing.

At no time will any Personal Data be in any way commercially acquired, without your prior consent, from a source other than those that are set out above, such as through the purchase or trading of illegitimate and illegal Personal Data databases or lists.

5.Rights of Access

You have the right to request access to and if required, correction of your Personal Data in our records. You have the right to:

a. request access to your Personal Data in our records for verification purposes. You may access and review all of your Personal Data held by us, in person, at our corporate offices located at the address given in (g) below;

b. request the correction of your Personal Data in our records in the event the information is inaccurate, misleading, out-of-date or incomplete, upon validation and verification of the new information provided in person, at our corporate offices located at the address given in (g) below;

c. request that your Personal Data shall only be used for the fulfilment of the purpose of the collection of such information;

d. request for proof of policy and procedure in relation to the safeguard and guarantee of your Personal Data in our records;

e. request that we specify or explain our policies and procedures in relation to data and types of Personal Data handled by us; and

f. communicate to us your objection to the use of your Personal Data for marketing purposes whereupon we will not use your Personal Data for these purposes, in person, at our corporate offices located at the address given in (g) below.

g. If you wish to make a request to access, review, amend and correct your Personal Data, you may do so by submitting such request via post, email or facsimile transmission to the following address:

Database Department

MXM International Sdn Bhd

MXM Tower, Level 801, Block A,

Pusat Dagangan Phileo Damansara II,

No 15, Jalan 16/11, Off Jalan Damansara,

46350 Petaling Jaya, Selangor Darul Ehsan

Telephone Number: 03-7721 2888

Facsimile number:03-7721 2889

Email: enquiries@mxm.com.my

6. Disclosure

In the course of conducting, management and/or operation of our business, we may need to disclose your Personal Data to the following classes of persons:

a. any related companies and/or associates of MXM, including those incorporated in the future;

b. our business partners and affiliates that provide related services or products in connection with our business;

c. our auditors, consultants, lawyers, accountants or other financial or professional advisers appointed in connection with our business;

d. our third party service providers, third party management companies, sub-contractors or other parties as may be deemed necessary by us to facilitate your dealings with us; and/or

e. our appointed service providers in relation to our membership programs, for the purposes of delivery of admission gifts and services.

The Personal Data provided to us will otherwise be kept private and confidential at all times and they will not be sold, given to, or otherwise shared with any third parties other than those that are set out above for commercial or any other purposes without your prior consent, subject at all times to any present or future laws, regulations, directions, court orders, by laws, guidelines, codes applicable to us (whether in or outside Malaysia).

Third parties are legally tasked with processing your Personal Data in line with principles specified by MXM. Third parties are also held legally responsible for securing your Personal Data at an appropriate level of security in accordance to applicable data protection laws and widely accepted industry standards.

You may at any time withdraw or amend, in full or in part, your disclosure consent given previously, in each case subject to any applicable legal restrictions, contractual conditions and a reasonable time period, in person, at our corporate offices located at the address given in 5(g) above.

7. Limit Processing of Personal Data

The Personal Data provided to us undergoes processing as and when required or upon scheduled maintenance.  The definition of processing defines it as "any operation or set of operations which is performed upon Personal Data, whether or not by automatic means, such as collection, recording, organization, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, blocking, erasure or destruction".

You have the right to limit, in full or in part, any of the processes by which your data is subjected to in terms of the operations allowed to be performed upon it, the period of time allowed for the performance of these operations or alternatively the deadline of the consent given.

MXM shall be responsible for  determining the purposes and means of the processing of Personal Data.

You may at any time withdraw or amend, in full or in part, your processing consent given previously, in each case subject to any applicable legal restrictions, contractual conditions and a reasonable time period, in person, at our corporate offices located at the address given in 5(g) above.

8. Failure/Refusal

The Personal Data provided to us are wholly voluntary in nature and you are not under any obligation or under any duress to do so. The failure to provide the Personal Data may result in any one or more of the following, which we shall not be held liable for any of the consequences arising therefrom:

a. our inability to provide you with the information, services and/or products requested;

b. our inability to update you with the latest membership programs, services, incentive campaigns, product and/or launches; and/or

c. our inability to comply with any applicable law, regulation, direction, court order, by laws, guidelines and/or codes.

9. Protection

Your Personal Data will be kept and processed in a secured manner. The appropriate administrative and security safeguards, policies and procedures will be implemented, as far as practicable, in accordance to the applicable laws and regulations. We will, as far as practicable, aim to prevent any unauthorized and/or unlawful processing of, and the accidental loss, destruction or damage to your Personal Data.

MXM is committed to taking appropriate technical, physical and organisational measures to protect your Personal Data against unauthorised access, unlawful processing, accidental loss or damage, and unauthorised destruction.

To safeguard against unauthorised access to your Personal Data by any third parties, all electronic Personal Data held by MXM is kept, maintained and/or processed on systems that are protected by secured networks. MXM and its related entities limit the access to any internal systems that hold Personal Data to a select group of authorised users through the use of unique identifiers and passwords. Access to Personal Data is strictly limited, provided only on a need basis, to relevant users for the purposes of performing their official duties.

Compliance with these provisions will be required of all third-party administrators who may access your Personal Data, as described under the ‘Disclosure of Personal Data’ in Section 6 above.

10. Language

In accordance to Section 7(3) Personal Data Protection Act 2010, this Policy is issued in both Bahasa Malaysia and English languages.  In the event of any inconsistency, the English language version of this Policy shall prevail.

11. How to Contact Us:

If you require any clarification on this Policy, you may:

(a) email us at: enquiries@mxm.com.my;

(b) post or fax your queries to the address given in 5(g) above.

12. Changes to this Policy

MXM may need to modify, update and/or revise this Personal Data Protection Policy from time to time, for example, to comply with changes in business operations or laws and regulations. In any case, the latest version of this Policy will be made available on www.mxm.com.my at all times and accordingly, you may periodically review this website to obtain the latest information on MXM’s privacy practices.

1. I declare that I have attained eighteen (18) years of age and I understand that the Program is automatically renewable on the anniversary of each Membership period up to 30 June 2115.
2. I agree to be bound by the terms and conditions of the Program more particularly stipulated in the Program leaflet and the Program Welcome Pack. Where applicable, I agree to be bound by the terms and conditions of the participating partners of the Program as stipulated in the respective vouchers and/or Membership Guide in the Program.
3. Payment for the Membership Fee of the Program shall be according to the accompanying payment option form and I agree to be bound by the terms thereof.
4. In the event of a third party’s credit card/debit card(s) being used for purpose of payment for the Membership Fee, I shall obtain authorization condoning such usage by causing the third party credit card/debit card authorization section in the application form to be duly signed by the credit card/debit card(s) holder, together with all relevant legal documents in support of such usage. I understand that MXM will discharge their liability from any legal action arising from this request and that I shall be fully responsible for any claims arising in any forms.
5. I acknowledge that this application is subject to a cooling off period of ten (10) working days from the date of receipt by MXM of this application (“the Cooling Off Period”). I acknowledge that I shall be entitled to a refund of the Membership Fee provided I return the Program Welcome Pack to MXM and that I have not utilized any of the benefits of the Program.
6. In the event that I have utilized any part of the Program and/or the Program Welcome Pack is incomplete or is not in a reusable condition, MXM shall be entitled to deduct there from a sum equivalent to the cost of usage of such part of the Program and/or the cost of the Program Welcome Pack, as the case may be.
7. I acknowledge that cancellation of my membership in the Program is strictly not allowed after the Cooling Off Period and that MXM shall not be liable to refund to me any portion of the Membership Fee.
8. I acknowledge that once my Membership application has been approved, I cannot change my Introducer unless my Membership has expired under the prevailing Membership period and a period of six (6) months has lapsed.
9. I acknowledge that the terms and conditions herein, the Program leaflet, the Membership Guide and the Program Welcome Pack shall constitute the entire understanding of the parties.
10. In the event that any cheque or credit card/debit card(s) toward payment of the Membership Fee is declined for whatsoever reasons, the Program benefits and insurance policy will automatically be cancelled. The insurer and PHM shall not be liable for any claims incurred thereafter. MXM has the right to terminate the Membership with immediate effect. Any cost incurred will automatically be charged to the applicant’s assigned credit card/debit card as indicated in the payment instruction form.
11. I acknowledge that the terms and conditions herein shall be governed by the laws of Malaysia.
12. MXM reserves the right at its own discretion to vary, delete or add to any of these terms and conditions and/or terms and conditions of the Program from time to time.
13. Any information that has been declared on any of the forms is to my best knowledge. I have fully disclosed and did not withhold any material information that is relevant to the application. In the event if there’s any information that has been acquired or missed out, it is my duty to inform MXM or the respective Advisor on such information. Such omission will be borne by me.
14. MXM reserves the right at its own discretion to vary, delete or add to any of these terms and conditions and/or terms and conditions of the Program from time to time. Please refer to our website at www.mxm.com.my for any latest updates on ANY amendments.
15. I acknowledge that I am NOT selling and promoting insurance products. I am promoting Membership Products offered by MediSavers platform to my customers.
16. I acknowledge that protection portion of the membership product(s) is managed by:
    1. Corporate Agency: Pathlab Healthcare Management (M) Sdn Bhd
       MediSaversVIP - Underwritten by Lonpac Insurance
       MediSavers Prima - Underwritten by Takaful Malaysia
       MediSavers Prime Life 48 - Underwritten by Manulife Insurance Berhad
    2. Corporate Agency: MediSavers Management Sdn Bhd>
       PASavers - Underwritten by Generali
       MediSavers eSME - Underwritten by Generali
17. Upon my submission of this application to MXM, I hereby agree to be bound by the terms stipulated above.

Appointment of MXM International Sdn Bhd as Program Manager

CONSENT TO RELEASE CONFIDENTIAL INFORMATION

1. I hereby authorize Pathlab Health Management (M) Sdn. Bhd. (PHM) or its authorized collection agent iPay88 / MolPay (RazerPay) to charge to my above-indicated credit card/debit card(s) the applicable Membership Fees payable for MXM International Sdn Bhd.
2. MediSaversVIP / MediBooster / PaSavers Membership Program and the renewals thereof.
3. In the event of changes in the Membership Fee due to change of age band and / or revision to the Membership Fee and / or revision to the Insurance Premium imposed by the Insurance Underwriter(s), I hereby authorize MXM to charge the above credit / debit card(s) indicated above with the amount being the revised rates.
4. In the event, that credit card/debit card(s) payment is declined for whatsoever reasons, the Membership benefits and Insurance Policy will automatically be cancelled. The Insurance Underwriter(s), PHM and/or MXM shall not be held liable for any claims incurred thereafter and I hereby agree to indemnity and keep the said parties indemnified against any liabilities and/or claims which might arise after such cancellation.
5. MXM reserves the right at its own discretion to vary delete or add to any of these terms and conditions from time to time.

Monthly Standing Instruction (MSI)

1. I acknowledge that MediSavers VIP Membership Program is automatically renewable on anniversary of each Membership period up to year 2115.
2. I understand and acknowledge that the Membership Fee during renewal may vary due to change of age band and/or revision to the Membership Fee and/or revision to the Insurance Premium imposed by the insurance underwriter(s).
3. In the event due to whatsoever reason, I shall discontinue my membership with MXM, I shall give at least Sixty (60) Days Discontinuation Notice in writing prior to the date of expiry of my prevailing Membership. I acknowledge and understand that upon receipt of such Notice, MXM shall utilize the deposit to off-set the final monthly installment payable for my Membership Fee or the overdue monthly installment(s).
4. In the event that Membership Fee cannot be successfully processed for two (2) consecutive months, MXM reserves the right to cancel the membership accordingly.
5. I understand and is fully aware that MXM International Sdn Bhd (MXM) as the program manager, will allow Pathlab (PHM) Sdn Bhd and their payment gateway partner, Razer Merchant Services, to use my Credit Card/Debit Card for tokenization transaction or monthly recurring charges. I hereby provide my consent and allow my Credit Card/Debit Card credentials to be kept for future payments.
6. MXM reserves the right at its own discretion to vary delete or add to any of these terms and conditions from time to time.

1. I have attained eighteen (18) years of age and agree to pay the Membership Advisor Fee herein stated.
2. I am not restricted in my territorial coverage unless prohibited by any law.
3. Upon submission of this application to MXM, I hereby agree to be bound by the terms and conditions herein stipulated and the Membership Advisor’s Code of Conduct.
4. This application is subject to a cooling off period of ten (10) working days from the date of receipt by MXM in which instance I acknowledge that I shall be entitled to a refund of the Membership Advisor Fee after deducting such administrative fee to be decided at the sole discretion of MXM.
5. Upon the expiry of the aforesaid cooling off period, I acknowledge that cancellation of my Membership Advisor Account is strictly prohibited and MXM shall not be liable to refund me any portion of the Membership Advisor Fee.
6. Any commission payable under the respective incentive / marketing plans shall only be paid after the expiry of the applicable cooling off period for purchase of a Program. In the event any commissions are paid pursuant to a purchase that is subsequently terminated, I acknowledge that MXM is entitled to a full refund of same.
7. I acknowledge that I am not an employee of MXM. Therefore, if there were any breach of any of the above terms and conditions, or any rules in the Membership Advisor’s Code of Conduct and / or the Program to be found against me at any given time during or after the course of being appointed as a Membership Advisor, I shall be held responsible for any of my actions. MXM will be discharged from any matters arises from the above mentioned. I am solely responsible to declare and pay any taxes payable in the course of my agency.
8. I acknowledge that I cannot change my introducer unless my Membership Advisor Account has been terminated and that MXM is not obliged to accept a new application for a new Membership Advisor Account from me until six (6) months has lapsed after such termination.
9. Any Membership Advisor Account that has been inactive for more than 180 days from the date of expiry / lapsed of membership, the Membership Advisor Account will be terminated without prior notice.
10. Once the termination takes effect, all commissions under the network will be compressed upwards the immediate active Membership Advisor/s under the same hierarchy.
11. Upon the termination, no reactivation is allowed and Membership Advisors are always welcome to re-join MXM under a new Membership Advisor account.
12. I may engage other persons to assist in the agency on condition that I shall be fully responsible for their acts and commissions and I shall ensure that they are of reputable character and presentable in appearance and that they observe the terms and conditions herein.
13. All Existing Membership Advisors shall have a period of 60 days to follow-up with their Prospective Membership Advisor(s) from the date of the 1st Appointment. During this period, other Existing Membership Advisors shall not induce or procure the Prospective Membership Advisors to enrol as a Membership Advisor under them or advise the Prospective Membership Advisors to register under them through a proxy. Should the Prospective Membership Advisor fail due to whatsoever reasons to enrol by the end of the 60 days period, other Existing Membership Advisors are free and able to solicit these Prospective Membership Advisor(s).
14. Upon achieving the status of RMA (or its equivalent), I hereby declare and undertake that I shall not be actively associated with any direct selling company other than MXM International Sdn. Bhd. as this may result in potential direct or indirect conflict of interests.
15. I acknowledge that the terms and conditions herein shall be governed by the enforced laws of Malaysia.
16. In the event I am in breach of any of the above terms and conditions, or any rules in the Membership Advisor’s Code of Conduct and / or the Program, my Membership Advisor account and / or Program Membership may be terminated immediately without prior notification or any compensation whatsoever and I acknowledge I shall remain liable for any loss or damage incurred or suffered by MXM resulting such breach.
17. MXM reserves the right at its own discretion to vary, delete or add to any of these terms and conditions and / or terms and conditions of the Program and / or the incentive / marketing plan from time to time.

1. I understand that it is my duty to take reasonable care not to make a misrepresentation in answering the questions in this Proposal Form and I hereby declare that I have fully and accurately answered the questions above. I also understand that I must disclose all material facts I know or ought to know which may affect the Insurance/Takaful coverage. I understand that Archipelago Life Insurance Ltd/Archipelago Insurance Ltd reserve the rights to avoid entering into the contract if I fail to disclose any material fact required. I understand that the acceptance of this proposal by Archipelago Life Insurance Ltd/Archipelago Insurance Ltd is not itself a warrant to enter the Certificate of Insurance/Takaful. Archipelago Life Insurance Ltd/Archipelago Insurance Ltd reserve the rights to consider my insurability, thereafter not be liable in any way to any cost may incur directly or indirectly by any other party as a result of or in connection with this application. I am responsible for the accuracy and completeness of all answers or other information provided by me.
2. I hereby understand and agree that this proposal, together with Certificate of Insurance/Takaful that will be issued to me once Archipelago Life Insurance Ltd/Archipelago Insurance Ltd has approved my proposal, and any other related documents will govern the legal relationship between Archipelago Life Insurance Ltd/Archipelago Insurance Ltd and me.
3. I consent Archipelago Life Insurance Ltd/Archipelago Insurance Ltd to make inquiries of whatsoever nature for the purpose of verifying the information disclosed in this application and obtaining any other information concerning me from any source whatsoever to enable Archipelago Life Insurance Ltd/Archipelago Insurance Ltd to process this application.
4. I hereby authorise any hospital, surgeon, medical practitioner, clinic or other person who has attended to me or the insured person for any reason, to disclose to Archipelago Life Insurance Ltd/Archipelago Insurance Ltd any and all information with respect to any illness or injury and to provide copies of all hospital or medical records and certifications, including any earlier medical history.
5. I have read, understood and agree to be bound by all terms and conditions as set out in Archipelago Life Insurance Ltd/Archipelago Insurance Ltd’s Product Disclosure Sheet for this program.
6. I acknowledge and consent to receive communications from Archipelago Life Insurance Ltd/Archipelago Insurance Ltd electronically and I agree to the use of electronic communications to enter into agreements and communicate with Archipelago Life Insurance Ltd/Archipelago Insurance Ltd in accordance with the Electronic Commerce Act 2006 and/or the Digital Signature Act 1997. Archipelago Life Insurance Ltd/Archipelago Insurance Ltd will not be held liable for any losses that may result from unauthorised instructions given by the person acting on my behalf.
7. I agree and allow Archipelago Life Insurance Ltd/Archipelago Insurance Ltd to collect, use and disclose to third parties in or outside Malaysia, my Personal Data (Personal Data may include, but not limited to, information concerning my name, date of birth, identity number, passport number, address, gender, race, nationality, photographs and videos, contact information, e-mail address, education, occupation, telephone or fax number, my previous addresses and preferred mode of communication, religion, credit card details, bank account number and other information where permitted by applicable law) to provide marketing and promotional information relating to existing or future products and/or services to me through postal or electronic communications such as SMS/MMS, email, telephone call and fax.
8. Parent consent is required if Certificate holder is aged less than 18 years at the time of proposing for a Life Certificate. Pursuant to Malaysia Law, I the parent of the Certificate Holder hereby consent to his/her taking a Life Certificate with Archipelago Life Insurance Limited and/or assigning it.

Important Notice

Privacy Notice

Declaration

Product Disclosure Sheet

1. I hereby authorize Pathlab Health Management (M) Sdn. Bhd. (PHM) or its authorized collection agent iPay88 / Razer Merchant Services (MolPay) to auto charge my Membership Renewal Fee payable for MXM International Sdn Bhd at the expiry of each anniversary of my prevailing Membership by charging the Credit Card indicated above.
2. I understand that the Membership Fee during renewal may vary due to change of age band / or revision to the Membership Fee and / or revision to the Insurance Premium imposed by the Insurance Underwriter(s).
3. This authorization shall remain valid and in effect until cancelled by myself in writing to MXM International Sdn. Bhd. at least Sixty (60) Days prior to the expiry of my prevailing Membership.
4. Notwithstanding the above instructions, I agree that my Membership may be terminated if the Membership Fee is not paid when due.
5. I agree to inform MXM in writing of any changes pertaining to lost / stolen / termination / cancellation or change of credit card at least 14 days before the renewal expiry date.

1. Kasi Dulu! Campaign (hereinafter referred to as "Campaign") is open to Membership Advisors of MXM International Sdn. Bhd. (hereinafter referred to as "Company").
2. The Campaign starts from 1st Jan"uary 2021 and it is an on-going campaign until further notice by the Company (hereinafter referred to as "Campaign Period").
3. This Campaign provide our Membership Advisor to receive advanced commission of one (1) year for selected membership programs with monthly payment mode (Monthly Standing Instruction - MSI). The advanced commission calculation is inclusive for the two-month deposit collected under MSI 1+2.
4. The "commission" in the aforementioned is referring to both Personal Commission and Group Commission for first year.
5. Only selected Advisors that fulfilled the Qualifying Criteria are allowed to participate in this Campaign.
6. Two Qualifying Criteria for Advisor to qualify for this Campaign:
   (i) Existing Advisor with steady income.

   Advisor need to generate or maintain a certain average amount of net income for three (3) consecutive months. Each range of average amount of net income will entitle a certain number of submission entitlement for Kasi Dulu! Campaign. Please refer to the table below for the submission entitlement:

   Existing Advisor

   3 Months Consecutive Monthly Income (Average per month)

   Advisor Level	Net Monthly Income Range (RM)	Submission Capping Per Month
   Level 1	500 to 1,000	3
   Level 2	1,001 to 2,000	5
   Level 3	2,001 to 3,000	8
   Level 4	3,001 to 5,000	10
   Level 5	5,001 to 10,000	15
   Level 6	>10,000	20

   (ii) Existing and Newly Joined Advisor.

   For Advisor that do not qualify using the option (i) above, submit & approve six (6) new MediSaversVIP series program (Adult) cases from 1st January 2021 onwards under Personal Sales. Once achieved the six (6) approved cases, the said advisor will immediately entitle for submission capping of two (2) cases per month under Kasi Dulu! Campaign. The monthly submission capping of two (2) cases will be available for the whole Campaign Period unless stated otherwise in this Terms & Conditions.

   Under this option, the type of programs and payment mode that are counted under the six (6) cases is stated as below:

   Type of Program: Principal (Adult) / Spouse / Senior Citizen

   Type of Payment: Full Payment / EPP / MSI 1+2 / Prihatin 1+0

   Note: In the event that an Advisor qualified using both option (i) and (ii), the option with highest number of submission capping will be take into account.
7. The type of membership, program and payment mode that are counted for this Campaign under the Submission Capping Per Month is stated as below:

   Type of Membership	Type of Program	Type of Payment
   MediSaversVIP Series	Principal / Spouse / Senior Citizen / Junior	MSI 1+2 /Prihatin 1+0

8. Renewal Sales is not entitled for this Campaign.
9. For Kasi Dulu! cases, payment for the first 12 months must be completed. Failure to do so or termination of MSI cases within the first 12 months (hereinafter referred as 'Lapsed case') will result in claw back of the advanced commission (Both Personal and Group Commission)..
10. Renewal Sales is not entitled for this Campaign.
    (i) Online Pay Back - Once a lapsed case is detected, the advisor can pay back the affected commission through MediSavers Portal.

    (ii) Monthly Commission Pay Back - The affected commission will be deducted from the advisor's monthly commission payout. If the amount of the monthly commission is insufficient, the advisor will need to pay back through MediSavers Portal. Failure to do so will result in suspension from submitting Kasi Dulu! cases.
11. Advisor can monitor and view their Kasi Dulu! status such as Monthly Submission Capping, number of cases submitted and balance available through MediSavers Portal.
12. Two (2) groups of advisors are not allowed to participate in Kasi Dulu! Campaign.
    (i) Advisors with Medical Claim Incidence Ratio more than 15%.

    (ii) Advisors achieved MSI Annual Performance Review of less than 80%.
13. Points allocation under Kasi Dulu! Campaign for Promotion, Maintenance and Incentive Campaign follows the current Monthly (MSI) points allocation.
14. Average monthly income from three (3) consecutive months is referring to the net income of each month, which means after the deduction of claw back commission, if any.
15. For cases under Kasi Dulu! Campaign, there will be a one (1) time Platform Fee deduction of RM5.00 from the Personal Commission.
16. Business production and income records maintained by the Company shall form the basis to determine the qualification and entitlement of the advisors.
17. The Company reserves the absolute rights to amend, waive and / or substitute the aforementioned criteria and condition in part or in total at its sole discretion in the manner and time it deems appropriate. In the event of any dispute, the decision of the Company is final.