Last updated on 23 March 2024
1) STU DEATH BENEFIT
Terms & Conditions:
1.1 For member
- Maximun claim up to RM1200.00
- DB shall be paid on the calculation stated below:
| Year of Membership |
Percentage (%) |
| 1 completed year |
20 |
| 2 completed year |
40 |
| 3 completed year |
60 |
| 4 completed year |
80 |
| 5 completed year |
100 |
- The Death Benefit shall only be paid if the member has not been paid any of the Retirement Benefit or Critical Illness Benefit
1.2 For Spouse
1.3 For Children
1.4 For Parents
** Notes : The Death Benefit for spouse,children & parents shall not be paid once member has claimed any of Retirement Benefit, Death Benefit or Critical Illness.
B) STU CRITICAL ILLNESS BENEFIT
Terms & Conditions:
- For STU member only
- Maximum claim up to RM1200.00
- CI benefit shall be paid on the calculation stated below:
| Year of Membership |
Percentage (%) |
| 1 completed year |
20 |
| 2 completed year |
60 |
| 3 completed year |
40 |
| 4 completed year |
80 |
| 5 completed year |
100 |
- The Critical Illness benefit shall only be paid if the member has not been paid any of the Retirement Benefit or Death Benefit
- Shall to be paid to member who is afflicted with any of the 45 Critical Illness as listed below:
| No. |
Type of CI |
| 1. |
Heart Attack |
| 2. |
Stroke |
| 3. |
Coronary Artery Disease (Requiring Surgery) |
| 4. |
Kidney Failure |
| 5. |
Cancer |
| 6. |
Fulminant Viral Hepatitis |
| 7. |
Major Organ Transplant |
| 8. |
Paralysis/Paraplegia |
| 9. |
Multi Sclerosis |
| 10. |
Primary Pulmonary Artiel Hypertension |
| 11. |
Blindness |
| 12. |
Heart Valve Replacement |
| 13. |
Loss of Hearing Replacement |
| 14. |
Surgery to Aorta |
| 15. |
Loss of Speech |
| 16. |
Alzheimer Disease/Irreversible Organic Degenerative Brain Disorder |
| 17. |
Major Burns |
| 18. |
Coma |
| 19. |
Terminal Illness |
| 20. |
Motor Neurone Disease |
| 21. |
AIDS due to Blood Disease |
| 22. |
Parkinson's Disease |
| 23. |
Chronic Liver Disease |
| 24. |
Chronic Lung Disease |
| 25. |
Major Head Trauma |
| 26. |
Aplastic Anemia |
| 27. |
Muscular Dystrophy |
| 28. |
Benign Brain Tumor |
| 29. |
Encephalitis |
| 30. |
Poliomyelitis |
| 31. |
Brain Surgery |
| 32. |
Bacterial Maningtis |
| 33. |
Other Serious Coronary Artery Disease |
| 34. |
Apallic Syndrome |
| 35. |
AIDS cover of Medical Staff |
| 36. |
Full Blown AIDS |
| 37. |
Angioplasty & Other Intensive Treatment |
| 38. |
Severe Cardiomyopathy |
| 39. |
Loss Of Independent Existence |
| 40. |
Systemic Lupus Erythematosus |
| 41. |
Medullary Cystic Disease |
| 42. |
Progressive Scleroderma |
| 43. |
Chronic Relapsing Pancreatitis |
| 44. |
Elephanatiasis |
| 45. |
Mad Cow Disease |
|
