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Global Medical Insurance, Health Insurance, Accident Protection Insurance, Travelling Coverage Insurance, Group Personal Accident Insurance, Group Hospital and Surgical Insurance Download
Global and Malaysia Medical Insurance
Arranged by Malaysia Medical Insurance Organisation (MMI)
Download Form, Brochure, Information and Documents for Malaysia Medical Insurance.
AXA SmartCare VIP Personal Accident Plan(0.31MB) |
AXA SmartCare VIP Personal Accident
Upto 3 million coverage personal accident plan
With SmartCare VIP, you can create an immediate emergency fund to protect you and your family 24 hours a day, anywhere in the world.
Ensure comprehensive coverage against accidental death, accidental permanent disablement, accidental medical expenses, personal liability, bereavement expenses for death due to dengue fever and repatriation or funeral expenses.
With SmartCare VIP, you can create an immediate emergency fund to protect you and your family 24 hours a day, anywhere in the world. Accidental Death
SmartCare VIP will pay cash benefits in the event of accidental death or total permanent disablement. This benefit will help you and your family make the necessary adjustments to the loss of income for a period of time. Choose amongst the three plans that will suit you most.
Total Permanent Disablement
Accidents happen but very few of us plan for such unfortunate events. With SmartCare VIP, you will
receive cash benefits that will help you and your family through this difficult time.
Medical Expenses
SmartCare VIP takes care of all the necessary medical treatment due to accidents. It covers
hospitalisation and clinical treatment, wherever you are. In addition, if you choose alternative
treatments, this plan also covers Chinese medication and services of a bonesetter
This plan also pays for prostheses as well as crutches and wheelchairs, and post-hospitalization
weekly nursing care to ensure you get back on your feet as soon as you can.
Personal Liability
SmartCare VIP will also cover your liabilities, should you be liable to pay a third party for accidental
bodily injury or accidental property damage.
Repatriation or Funeral Expenses
In the event of death due to accident while overseas, SmartCare VIP pays for repatriation expenses, or
for local cases, funeral expenses.
Bereavement Benefit
As a special benefit for death due to dengue fever, a payment of RM5,000 will be made.
SmartCare VIP gives you the option of receiving weekly payments if you are unable to attend to your
usual occupation as a result of an accident.
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AXA Panel Hospital List for AXA General Medical Card Health Insurance Plan(0.04MB) |
| AXA Panel Hospital List for AXA General Medical Card Health Insurance Plan.
Hospital Admission Hotline 03-2296 3188
Cashless Admission (Panel Hospitals Only) Just present your Datalink Healthcare Card for cashless, hassle-free admission. |
Easicirle MMI Group of Companies Intro BM Version PPT PDF Copy 170326A(4.53MB) |
| Easicirle MMI Group of Companies Intro BM Version Power Point Presentation PDF Copy 170326A |
Golden Protection PA Insurance Product Highlight, Product Disclosure and T&C Powered By Easicirle PDF Copy 170326A(0.46MB) |
| Golden Protection PA Insurance Product Highlight, Product Disclosure and T&C Powered By Easicirle PDF Copy 170326A |
Golden Protection PA Insurance Policy Wording 170326A(0.34MB) |
| Golden Protection PA Insurance Policy Wording 170326A
Golden Protection PA
Underwritten by Asia Specialty Limited
Powered By Easicirle.
PERSONAL ACCIDENT INSURANCE
USD 30 per year only for a protection of up to USD 40,000
Underwritten by Asia Specialty Insurance Limited, specially designed for all classes of occupation, this policy provides compensation up to USD 40,000 in the event of accidental death or permanent disablement due to accident.
It can help mitigate risk associated with working outdoors, and can safeguard your family’s financial future.
Besides covering accidents, this policy also covers funeral and repatriation expenses — ensuring your family has one less thing to worry about when the time comes. Covers funeral expenses due to accident subject to maximum of USD 800.00 only.
Covers repatriation expenses due to accident (i.e. cost of transportation of mortal remains to the insured home) subject to maximum of USD 2,000.00 only.
Product highlights…...
Golden Protection is Personal Accident insurance or PA insurance which provides compensation in the event of disability or death caused solely by violent, accidental, external and visible events.
This plan provides 24-hour worldwide and protecting you anywhere in the world, any time of the day.
Golden Protection offers you:
1. Pays a cash sum up to USD 40,000 in the event of accidental death;
2. Pays a cash sum up to USD 40,000 in the event of permanent disablement due to accident;
3. Covers funeral expenses cause by accident up to USD 800; and
4. Covers repatriation expenses due to accident (cost of all necessary arrangement including but not limited to transportation of mortal remains, undertaker, casket, embalming and/or cremation) up to USD 2,000.
How it work……
Understanding our policy is simple. That’s because, we have simple, and clear plans. Here is how it works:
You pay USD 30 or Ringgit Malaysia equivalent (RM 133.50) per year, and you will gain:
i. Up to USD 40,000 in the event of accidental death or permanent disablement.
ii. Cash benefit of USD 800 for the funeral expenses
iii. Repatriation expenses due to accident (transportation of mortal remains to the insured home) up to USD 2,000
ix. Peace of mind knowing that your family is protected financially during times of uncertainty
x. Confidence knowing that you can plan for your family’s future
In addition, below are the other types of benefits included in the Golden Protection policy for your kind perusal.
Total Permanent Disablement Benefits
Description of Disablement
According to percentage below
Loss of two (2) Limbs
100%
Loss of both hands, or of all fingers and both thumbs
100%
Total and irrecoverable loss of both eyes (whole eye and sight)
100%
Loss of One hand and one foot
100%
Loss of One foot and sight of one eye
100%
Total paralysis
100%
Injuries resulting in being permanently bed ridden
100%
Any other injury causing permanent total disablement
100%
Total and irrecoverable loss of eye (whole eye and sight)
50%
Loss of arm at shoulder
50%
Loss of arm between shoulder and elbow
50%
Loss of arm at elbow
50%
Loss of arm between elbow and wrist
50%
Loss of hand at wrist
50%
Loss of leg (at hip, between knee and hip and below knee)
50%
Loss of hearing both ears
40%
Loss of four (4) fingers and thumb on one (1) hand
30%
Loss of speech
25%
Loss of four (4) fingers
20%
Just like most things for sale on the internet with their terms and conditions applied, our policy is no different. We suggest that you read the Term & Conditions carefully in order to know the full term of your coverage.
Who Should Apply…….
Golden Protection is offered to individuals aged between 19 to 70 on their next birthday and not travel with motorcycles while on duty, must be in normal heath and free from any physical deformity. Standard terms and conditions apply.
This type of insurance is suitable if you're employed or self-employed and want to protect your earnings or if you want to have additional financial protection in the event of an accident.
Those who are involved in the following occupations shall be covered during off-duty only;
1. Police, army / military and law enforcement officers
2. Aircraft testers, pilots or crew
3. Divers
4. Racing drivers
5. Jockeys
6. Persons engaged in professional sports activities
7. Persons engaged in underground mining and tunnelling
8. Firemen
9. Seamen and sea fishermen
10. War correspondents
11. Oil rig workers
12. Steeplejacks
13. Stevedores
14. Persons engaged in ambulance services
15. Sawyers, timber logging workers, drivers/attendants of timber lorries and winches
16. Wood working machinists or Using of wood-working machinery driven by mechanical power
17. Explosive handlers
18. Those who are required to travel on motorcycle while on duty.
Term and Condition…….
Our policy’s terms and conditions have implications for the way you are compensated, so it pays to understand them. They may look lengthy, but they are straightforward. Here they are:
1. Golden Protection Personal Accident Insurance is available to individuals aged between 19 to 70 on their next birthday, must be in normal health and free from any physical deformity.
2. This insurance plan excludes those who travel with motorcycles while on duty.
3. It will not cover those who have lapsed their policy or stopped paying their premiums.
4. Premiums paid are not refundable if you cancel your policy.
5. This plan has a waiting period of seven (7) days. You will not be compensated if accident happened within seven (7) days from the date of your 1st policy issued.
6. This insurance plan covers accident happened worldwide except Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria.
7. You won’t be compensated for any event directly or indirectly arising out of:
1. War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power.
2. Martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege.
3. Deliberately self-inflicted injury or suicide or the criminal or illegal act.
4. Fits, hernia, illness of any kind venereal disease including those relating to the Acquired Immune Deficiency Syndrome (AIDS), pregnancy, childbirth, miscarriage, confinement or any complications thereof, intoxicating liquor, drugs or misuse of drugs prescribed by a legally qualified medical practitioner, suicide, self-inflicted injury, judicial pronouncement, unlawful act on the part of the Participant or wilful exposure of the Participant to unnecessary danger except in an attempt to save human life.
5. While the insured is in a state of unsound mind, drugs overdosed, gas inhalation and/or suffocation, food and/or drink poisoning, provoked and/or unprovoked assault or murder, hijacking and/or disappearance.
6. Any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of any de Jure or de facto Government or to the Influencing of it by terrorism or violence.
7. While the Participant is using power-operated wood working machinery or engaging in Hunting, Trekking activity in any place with height more than four thousand (4,000) meters above sea level, Mountaineering, Steeple chasing, Polo, Racing of any kind, riding a two-wheel motorcycle, Water Skiing, Ice or Winter Sports of any kind, Scuba diving, Skin diving of any kind including the use of Aqua-lungs, Boxing, Wrestling and Training or performing any form of Martial Arts and all aerial sporting activities unless previous consent of the Operator has been obtained and the Certificate has been endorsed accordingly. In any event whatsoever any person engaging or participating in any sport on a professional basis, will not be covered under the Certificate.
8. Participating in or training for any hazardous or dangerous sport or competition or riding or driving in any form of race or competition.
9. Sickness, disease or any kind of infection however contracted, even if through injury and/or snake, insect and/or animal bite. This Exclusion however, does not apply to sickness or disease directly resulting from medical or surgical treatment rendered necessary by an injury or to infection directly resulting from an injury, provided that in each case the injury itself is covered by this policy.
10. The insured person having a blood alcohol content over the prescribed legal limit when driving or operating any motor vehicle, and/or being under the influence of intoxicating liquor and/or being under the influence of any drug other than a drug taken or administered by, or in accordance with the advice of, a legally qualified medical practitioner.
11. While the Participant is in on or ascending into or descending from any aircraft other than a fully licensed commercial passenger carrying aircraft in which the Participant is travelling as a passenger (on scheduled flights only) other than as a member of the crew and not for the purpose of undertaking any trade or technical operation therein or thereon.
12. By or contributed by or arising from ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
13. By or arising out of or consequent upon or contributed to by HIV infection, Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this syndrome has been acquired or may be named.
14. Any action caused or an injury inflicted by any person deriving benefit from this insurance policy or by any person conspiring with any person deriving benefit from this insurance policy.
15. Any disability, abnormality or deformity which originated prior to the Inception Date of this insurance policy.
The full sample of policy document is available for your viewing. Please click on the Policy/Certificate folder to view.
How To Claim……...
To make a claim, the following documents are required:
1. Accident Death Claim (to be submitted by trustee or executor or lawyer or next of kin)
1. Completed Claim Form
2. Certified NRIC/Passport (Life Assured & Claimant)
3. Police Report/Accident Report (Original)
4. Certified Death Certificate
5. Certified Post Mortem
6. Letter from Embassy in country of destination (original)
2. Total & Permanent Disability (to be submitted by Insured unless medically incapacitated)
1. Completed Claim Form
2. Certified NRIC/Passport (Life Assured & Claimant)
3. Police Report/Accident Report (Original)
4. Medical Report (Original)
5. Full length photograph (Life Assured)
Please click on the relevant claim form below to download.
file:///C:/Users/USER/Downloads/Golden%20Protection%20Personal%20Accident%20Claim%20Form%20(1).pdf
Product Disclosure Sheet
https://www.easicircle.com/my/products/insurance-plan.aspx?PlanCode=ASICPA#pds
Sample Policy/Certificate
https://www.easicircle.com/my/products/insurance-plan.aspx?PlanCode=ASICPA#sample-policy
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Golden Protection PA Claim Form PDF Copy 170326A(0.23MB) |
| Golden Protection PA Claim Form 170326A PDF Copy |
Golden Sunshine Travel Medical Insurance Policy Wording 170326A(0.29MB) |
| Golden Sunshine Travel Medical Insurance Policy Wording PDF Copy 170326A |
Importance of making a nomination for your insurance policy in Malaysia(0.04MB) |
| Importance of making a nomination for your insurance policy in Malaysia.
Introduction
This is an introductory guide to help you understand the importance of making a nomination in your life insurance policy to safeguard the interest of your loved ones.
It gives you some basic information to help you understand the nomination process and its benefits. A brief explanation on several technical terms used is also provided to help your reading process.
Making a nomination
The purpose of having life insurance is to ensure that your loved ones are protected financially should anything happen to you. It is then important that your loved ones can access the funds quickly. If you do not make a nomination in your insurance policy, your insurance company is not obligated to release the policy moneys until your loved ones obtain a Grant of Probate or Letter of Administration or Distribution Order, which may take several years. However, if a nomination is made, the policy moneys can be disbursed much faster without the need to obtain the Grant of Probate or Letter of Administration or Distribution Order.
In addition, in the case of a non-Muslim policy owner, a trust will be created in favour of the nominee under the following circumstances:
• if the nominee is the spouse or child of the policy owner, or
• if the nominee is the policy owner’s parent (provided that there is no living spouse or child at the time of such nomination).
When such a trust is created, the policy is known as a trust policy. As a trust policy, the policy moneys payable do not form part of the estate of the deceased policy owner and are not subjected to the deceased policy owner’s debts. This ensures that your loved ones get the full amount of the policy moneys payable. However, this is only applicable if the policy is taken in good faith and with no intention to defraud creditors.
A trust policy does not apply in the case of a Muslim policy owner. The nominee of a Muslim policy owner takes the policy moneys only as an executor and must distribute the moneys in accordance with Islamic laws..... |
Lonpac Panel Hospital List for Lonpac Medical Card Health Insurance Plan(0.02MB) |
| Lonpac Panel Hospital List for Lonpac Medical Card Medical Insurance Plan
Lonpac Medical Assistance Helpline
Fixed Line : +603-7965 3882.
|
Lonpac Care Plus Medical Card(2.21MB) |
| Lonpac Care Plus Medical Card
Lonpac Medical Assistance Helpline
Fixed Line : +603-7965 3882.
|
Lonpac FlexiCare PA (Personal Accident Insurance)(0.72MB) |
| Lonpac FlexiCare PA(Personal Accident Insurance)
|
Malaysia Insurance Act 1996 - Summary of Part Information(0.43MB) |
| Malaysia Insurance Act 1996 - Summary of Part Information shared by Malaysia Medical Insurance Organization (MMI) |
Malaysia Law Act 553 Insurance Act 1996(0.31MB) |
| Malaysia Law Act 553 Insurance Act 1996 shared by Mr Anthony Chi Founder of Malaysia Medical Insurance Organization (MMI) |
Manulife ManuMedic Medical Plan(1.97MB) |
| Manulife ManuMedic Medical Plan
A standalone non-participating medical plan that provides you with comprehensive medical coverage such as pre and post-hospitalisation benefits, intensive care services and surgical benefits with no lifetime limits imposed.
Key features*
Whole life coverage
No lifetime limit
High annual limits
Out-patient benefits-includes dengue fever and stroke treatment
Family coverage
As-Charged Room & Board
Worldwide coverage
ManuMedic Link that comes with the same coverage is also available and can be attached to Manulife regular premium investment-linked insurance plans.^
* Terms and conditions apply |
Manulife Care-For-Lady and Manulife Care-For-Mum(0.61MB) |
| Health
Manulife Care-For-Lady and Manulife Care-For-Mum
Manulife Care-For-Lady and Manulife Care-For-Mum are comprehensive protection riders designed to offer women greater protection in facing female health issues. These riders are attachable to a regular premium investment-linked insurance plan.
Key features*
Manulife Care-For-Lady
Claimable amount up to 180% of the Face Amount
Diabetic complication benefit
Comprehensive coverage on female diseases such as breast and cervical cancer
Recovery Benefit
Manulife Care-For-Mum
Claimable amount up to 180% of the Face Amount
Diabetic Complication Benefit
Comprehensive coverage on female diseases such as breast and cervical cancer
Recovery Benefit
Pregnancy Complications Benefit
Infant Care Benefit
* Terms and conditions apply
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Manulife Cover-Me-Again Medical Plan(2.30MB) |
| Manulife Cover-Me-Again Medical Plan
A comprehensive critical illness plan that protects against one or more bouts of critical illnesses. It takes care of your financial uncertainties not once but twice thus allowing you to focus on recovery without compromising on your lifestyle.
Manulife Cover-Me-Again, the first-of-its-kind standalone critical illness plan in Malaysia which covers the same critical illness event twice*. It is also available as an investment-linked insurance plan rider.
Key Features:
Coverage against the same critical illness twice*
Receive Recovery Allowance for the first two claims which is 5% of the initial Face Amount each, up to RM5,000 per claim.
Receive Recovery Benefit consisting of cash vouchers worth RM750 upon first claim, redeemable for medical items*
Death Benefit of 10% of the basic plan Face Amount (not applicable for Manulife Cover-Me-Again investment-linked insurance rider)
Facts on Stroke, Heart Attack and Cancer:
The chances of a recurring stroke is at 40% after the first stroke
According to the American National Association 2012, the recurrence of stroke increases up to 40% within 5 years of the first stroke.
Heart attack survivors are still at higher risk of another attack.
The National Heart, Lung and Blood Institute, U.S. Department of Health & Human Services reported in 2013 that while many heart attack survivors live active full lives, they are still at higher risk of another attack.
There is no such thing as “No-cancer Guarantee”
The American Cancer Society’s “When Cancer Comes Back, Cancer Recurrence” noted that even after removing or battling cancer cells, there is no guarantee that cancer will stay gone forever. |
MMI Easicircle Global Insurance Summary 170301A(1.43MB) |
| MMI Easicircle Global Insurance Summary 170301A |
MMI Easicirle Education Program Introduction 170308A(4.26MB) |
| MMI Easicirle Education Program Introduction 170308A |
MMI Easicirle Global Reward Program 170301(1.45MB) |
| MMI Easicirle Global Reward Program 170301 |
MSIG Medical Card(1.40MB) |
| MSIG Medical Assistance Call Center
Toll Free : +603-7956 1233
Despite efforts to stay healthy, illnesses can strike suddenly. No matter how careful you are, accidents can happen at any time. When they do, you would want immediate access to the best medical care you can get. However, you know that hospitalisation is expensive. Medical costs are high, and getting higher every year. How do you ensure that you get the medical care you want for yourself and your family? MSIG FlexiHealth Insurance can help. It covers you for the medical care you need, and gives you the flexibility to plan the protection you want. It also entitles you to a medical tax relief of RM3,000, subject to the final decision of the Inland Revenue Board.
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MSIG Malaysia Travel Insurance 160511(2.20MB) |
| MSIG Malaysia Travel Insurance 160511
arranged by ACPG Management Sdn Bhd
www.acpgconsultant.com
+603-92863323
Why do I need Travel Insurance?
A thousand and one mishaps can occur when you are travelling... Flight delays, loss of luggage, illness, accidents...the list goes on.
When you are travelling, whether on business or leisure, the last thing you want is to be left stranded and helpless far away from home.
The result could be a financial disaster. Now, with MSIG TravelRight Plus, you can be assured that you are constantly protected throughout your journey.
Did you know…
Frequent travellers get to save more and enjoy rewards with MSIG Annual Travel Insurance.
If you love to travel frequently, or you make regular business trips in the year, you may want to consider taking up the annual travel insurance which covers unlimited number of trips in a policy year.
3 Reasons Why You Should Take Up The Annual Travel Insurance
1. You Save on the Premium!
If you travel more than four (4) times a year, an annual policy could work better value than buying single trip cover for each holiday/business trip.
Below is an example for those between 18 to 69 years old and make 6 trips (assuming 6 to 10 days per trip and all to Area 1) in a year:
2. You Save on the Trouble on Having to Purchase Travel Insurance Before Every Trip!
There may be times when you may have to make last-minute emergency trip that is not planned for. In those instances, you don't have to worry about forgetting or being too busy to purchase your travel insurance before your trip. You can travel with peace of mind knowing that you will be constantly protected on your travels.
Another advantage of the annual travel insurance is that being an annual policy, it will avoid you the need to take out new cover every time you travel.
3. There is No Limit on the Number of Trips You Can Make During the Policy Year
The annual travel insurance covers you unlimited number of trips in a policy year up to 90 days for each trip. If you travel regularly for business or for leisure, it is more worthwhile for you to take up the annual policy. However, please select the appropriate area of coverage for your policy.
Why do people choose us?
Scenario 1
Mrs Tan* loves to travel. At 60, she has all the time in the world to visit the places she could only dream about in her youth. Her daughter, Mary*, enjoys accompanying her on her trips. As they became seasoned travelers, Mary realized that having an enjoyable trip includes planning for a safe trip.
You can plan as much as you want but there are certain things that you just cannot plan for. Getting help in an unfamiliar place is a challenge I hope to do without
Mary
Early this year, before leaving on their holiday to Canton, Shanghai and Beijing, Mary took her usual precautions. She told her family members where they were going, informed her credit card company, read all about the places that they were visiting and places to avoid and so on. She also purchased travel insurance for both of them.
On the third day of their tour, Mrs. Tan slipped and fell and fractured her leg. She was immediately hospitalised and after 3 days, the Tan family decided that it would be better to transfer Mrs Tan back to Malaysia.
It was enough to cover all the hospital bills in Shanghai, plus the cost of the medical evacuation. They paid only RM53 each in premiums and were covered for RM300,000 for medical expenses that included follow-up treatment in Malaysia.
Today, Mrs Tan is well on the road to recovery and is already planning another trip. But it'll be short and relaxed, nothing too taxing, and I certainly will make sure that we have purchased travel insurance for the trip!
* Not their real names
** Premium and benefits amount based on MSIG Travelright Plus Plan
Scenario 2
19th April 2009, ChoShan Island China.
Madam Wong, aged 69, sustained a fall whilst on a tour in ChoShan Island. She sustained a fracture femur and was awarded at the local hospital at ChoShan. Her tour leader immediately contacted ISOS, our MSIG Assist for assistance. Due to the limited medical facility at this hospital coupled with the patient's fragility, it was decided to evacuate her back to Malaysia for treatment before her conditions deteriorated.
Air ambulance was arranged, and with a medical escort team, Madam Wong was brought back to Malaysia just 3 days after the accident. Upon arrival at the airport, an ambulance awaited, and transported her to the University Malaya Specialist Centre where she was operated upon, and discharged three days thereafter.
Madam Wong is now on the road to recovery.
MSIG Assist
MSIG TRAVEL ASSIST* - 24-Hour Travel Worldwide Assistance – FREE with MSIG TravelRight Plus Insurance
Wherever you are in the world, you can rely on MSIG Assist to come to your rescue.
You may call for assistance on:
Pre-travel Advice on visa and vaccination requirements
Medical Assistance in an emergency or if an evacuation or repatriation is required
Travel Assistance pertaining to lost luggage, passports, money and credit cards
The number to call: +603 - 7965 3930 (24-hour hotline)
You can reverse charge or ask Helpline operators to return your call so you do not need to worry about the call charges.
* Terms and conditions apply.
Nomination General FAQs
Nomination is important to ensure that your loved ones get the protection that you intended.
To assist you in understanding ‘Nomination’, we have come up with simple FAQs below.
1. Why do I have to nominate?
Nomination is important to ensure that your loved ones will receive the protection as intended by you and that policy moneys may be paid out by insurers without any delay. Where no nomination is made, the policy moneys will be paid out to your lawful executor (if you have made a Will) or your lawful administrator (if no Will has been made) – this process will take a while.
*If there is no lawful executor or administrator, then the policy moneys will be paid out to the rightful persons in accordance with applicable distribution laws.
2. Who can I nominate?
You can nominate any individual(s) you want. HOWEVER, not all nominees will receive the policy moneys beneficially or for their own use. Depending on your marital status and who you nominate, nominations may produce unexpected results for the nominee(s). Likewise, nominations by a Muslim policy owner and non-Muslim policy owner will have different consequences.
How so?
Nominations made by a non-Muslim policy owner will create either (i) a trust policy in favour of the nominee(s) or (ii) a non-trust policy.
To ensure that your nominee(s) receive the policy moneys as intended, you need to ensure that a trust policy is created in favour of your nominee(s).
3. How do you create a trust policy?
Trust policy will be created:
(a) if the nominee is your spouse or child; or
(b) if the nominee is your parent (provided that there is no living spouse or child at the time you make the nomination).
4. What if I nominate someone else as my nominee(s)?
In such as case, you are creating a non-trust policy. Here, your nominee will only receive the policy moneys as executor and distribute the policy moneys in accordance with your Will or where there is no Will, in accordance with applicable distribution laws. If you intend for these nominee(s) to receive the policy moneys beneficially and not as executor, you will need to assign the policy benefits to them.
In brief, if you nominate people other than your spouse, children or parents, make sure to assign the policy benefits to them to ensure that they receive the policy moneys for their own use. Please contact MSIG if you require more information on this.
5. What about Muslim policy owner?
Nominee(s) irrespective of the relationship with the policy owner can only receive the policy moneys as executor and the policy moneys must be distributed in accordance with Islamic laws.
6. I did not make any nomination and Will. How will the policy moneys be distributed?
The policy moneys as well as your other assets will be distributed in accordance with applicable distribution laws.
For West Malaysia and Sarawak, the Distribution Act 1958 applies, where the policy moneys and assets will be divided between your surviving spouse, children and parent(s) in certain proportions.
The Distribution Act 1958 is however not applicable to Muslims in West Malaysia and natives in Sarawak. For Sabah, policy moneys and assets will be distributed in accordance with the Intestate Succession Ordinance 1960.
7. How do I make a nomination?
It is easy to make a nomination. You can download the PA Insurance Nomination Form provided in this website or you may contact us and request for a copy. Complete and return the original PA Insurance Nomination Form to MSIG for our further action – you may wish to refer to the sample completed form for reference.
Please make sure that the form is duly signed and witnessed by someone who is 18 years old and above, of sound mind and not a named nominee, failing which the nomination may be deemed invalid.
*The FAQs are provided for general information only. For detailed provisions on nomination, please refer to Schedule 10 of Financial Services Act 2013.
Malaysia Insurance Services, Malaysia General Insurance, Malaysia Commercial Insurance, Malaysia Medical Insurance
Arranged by
ACPG Management Sdn Bhd
Malaysia General Insurance Risk Management Solution Provider since year 1989.
ACPG Careline +603-92863323
enquiry@acpgconsultant.com
http://www.acpgconsultant.com
http://www.facebook.com/acpg.management |
MSIG Ladies Lifestyle Medical Insurance Plan(11.63MB) |
| MSIG Ladies Lifestyle Medical Insurance Plan
Overview
When you have worked hard to achieve a comfortable lifestyle, it can be devastating to have everything taken away by critical illness or a serious accident. With early treatment and modern medicines, you can survive critical illness. However, the cost of surviving can be higher than sudden death because treatment, hospitalisation and professional care are expensive. This is where MSIG can help you. MSIG’s Ladies Lifestyle Protection is an insurance plan exclusively for ladies and offers peace of mind by providing protection for health conditions of particular concern to the fairer gender.
Case Study
At 36, Minnie is happily married with 2 little girls. Few years ago, she was diagnosed with Stage 2 breast cancer. She underwent a mastectomy as recommended by her doctor and went through the cycles of chemotherapy & radiotherapy sessions. She has been cancer-free so far. Minnie’s insights
“I enjoy my life even more now and what I have learnt is
Never neglect your health and plan your finances ahead of time
Illness does not affect the patient alone. It affects the whole family
Survival rate is high and cost of surviving is equally high
It’s also not just about surviving, it’s about the ability to ensure the family’s lifestyle continues.
Not only do we need to worry about the financial responsibilities but it is important to us that our kids lifestyle are not too drastically affected. So yes, I am glad my husband purchased MSIG’s Ladies Critical Illness policy when it was recommended by his insurance advisor. The extra RM100,000* came in handy to complement our medical and other insurance plans and as well provide for the loss of income and extra home help we needed most. There are also medical aids we bought. It also helped us to have a short family holiday, which we really needed with the kids”.
Consider this
Do you think you will survive more than 14 days if you are unfortunate victim of a critical illness?
Do you have RM100,000 ready cash as emergency funds?
If yes, how long did it take you to save that RM100,000?
If you need emergency funds, where would it come from?
* For Minnie’s case her annual premium was RM593 for a RM100,000 cover. The insurance premium qualifies for Medical Insurance Tax Relief.
Testimonials
MSIG’s Ladies Lifestyle Critical Illness Insurance plan covers:
28 Critical Illnesses, each one a distinct category
Renewal bonus of 10% of the sum insured for up to 5 years for critical illness
Personal Accident
Accidental facial / dental cosmetic surgery
Snatch theft losses
Maternity risks
Congenital anomalies of new born babies
Pays in addition to any insurance policies |
MSIG Senior Personal Accident Insurance(1.23MB) |
| Upon retirement, many senior citizens have all the time in the world to indulge in their favorite pastimes. However, they would need to take more care to avoid an accident. The MSIG Senior Citizens Personal Accident Insurance provides the financial security that allows them to enjoy their Golden Years with peace of mind. Premiums are low and many benefits, such as longer disablement period, are specially tailored to their needs. |
MSIG Panel Hospital List for MSIG Malaysia Medical Card Health Insurance Plan.(0.04MB) |
| MSIG Panel Hospital List for MSIG Malaysia Medical Card Health Insurance Plan.
MSIG Medical Assistance Call Center
Toll Free : +603-7956 1233 |
Pacific Panel Hospital List for The Pacific Insurance Medical Card Health Insurance Plan.(0.03MB) |
| Pacific Panel Hospital List for The Pacific Insurance Medical Card Health Insurance Plan.
The Pacific Insurance Medical Assist Call Center
Fixed Line : +603 7628 3992,
Fixed Line : +603-7965 5660. |
Prudential Malaysia PRUsenior med Medical Insurance Plan 160505(0.22MB) |
| Prudential Malaysia PRUsenior med Medical Insurance Plan
PRUsenior med
Senior Citizen Medical Insurance - It's never too late to start thinking about health insurance.
With a unique high entry age, PRUsenior med helps you address those large medical bills that you may face in your later years.
* The Company reserves the right to revise the minimum co-insurance amount once every 12 months, by giving a 30-day notice.
Note: Co-insurance is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit. The remaining balance is paid by the Company.
The total benefits payable under the Medical Care Benefit during the lifetime is subject to the Lifetime Limit. Cover begins immediately on acceptance, for hospitalisation caused by accidents and 30 days after acceptance for any other causes.
Each claim will reduce the Lifetime Limit. When the Lifetime Limit is exhausted, the death benefit will continue without payment of any further premiums.
WHAT IS PRUsenior med?
PRUsenior med is a unique term life policy that takes care of your large medical bills, in the event of hospitalisation, for major surgeries and illnesses up to age 80 – subject to a co-insurance of 10% or the affordable minimum co-insurance amount, whichever is higher.
WHAT WILL I RECEIVE?
PRUsenior med takes care of a whole host of medical costs beyond just hospital room & board. These include ICU charges, surgery fees, anesthetist fees, home-nursing costs, outpatient kidney dialysis bills, and outpatient cancer treatment bills.
To help take care of those large medical bills, we've raised the bar on the lifetime benefit limit that you receive to RM225,000 per lifetime.
PRUsenior med gives you:
A choice of two plans, depending on the minimum co-insurance amount you wish to pay. Plan 1 offers a minimum co-insurance of RM3,000 and Plan 2 offers a minimum co-insurance of RM6,000
Reimbursements on
i. Hospital room & board, up to 120 days.
ii. Intensive Care Unit charges, surgical fees, anesthetist fees and in-hospital services. For this, you will pay a co-insurance amount of 10% on your expenses, and we pay the rest, or you pay the minimum co insurance based on the plan you choose, whichever is higher.
iii. Pre-hospitalisation consultations and tests, and post-hospitalisation treatment and prescription following discharge (all subject to a 10% co-insurance).
iv. Home nursing care, day surgery, outpatient cancer treatment, and outpatient kidney dialysis (all subject to a 10% co-insurance).
Death benefit - RM5,000 is paid upon death as a compassionate allowance
Cash value - a plan with a term of 20 years or more will accumulate cash value after 3 years of premiums have been paid.
You can take up this plan anytime between 45 and 70 years old age next birthday. PRUsenior med protects you up till age 80.
HOW CAN I TAKE UP PRUsenior med FOR MY PARENTS?
You can take up PRUsenior med for your parents by paying the premiums if they are between the ages of 45 and 70 years of age. Your parents will own the policy.
HOW MUCH PREMIUM DO I NEED TO PAY?
The premium that you pay for a PRUsenior med planis determined by your age, gender and plan chosen. The premiums are payable throughout the duration of the plan and must be paid within one month of the due date.
PREMIUM PAYMENT
Premiums can be paid yearly, half-yearly, quarterly or monthly via Autodebit, Credit Card, Banker’s Order, Cash or Cheque.
* If the premium is not paid within one month and if the policy has not acquired a cash value, it will cease automatically.
If the policy has acquired sufficient cash value and you are unable to pay premiums, the Company will automatically pay the premiums on your behalf via the Automatic Premium Loan Scheme. You will continue to enjoy the benefits under this policy. The policy will end when the premium loan plus interest are greater than its cash value. Interest, currently at 8%, is charged. The interest rate may be varied by the Company depending on market conditions.
HOW DOES PRUsenior med PAY FOR OVERSEAS?
If you receive medical treatment overseas, the Medical Care Benefit is paid according to the costs of treatment that would be reasonably charged by a hospital in Malaysia. No benefit is paid if you reside overseas for more than 90 days per trip.
This plan is available to anyone between 45 and 70 years old (at age next birthday).
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Prudential Malaysia Medical Insurance Plan - PRUlady(0.89MB) |
| Prudential Malaysia Medical Insurance Plan - PRUlady
A celebration of womanhood.
Women play special roles in life that we at Prudential recognise and celebrate. We also empathise with and understand the fact that women face uniquely female choices and health challenges.
This policy will terminate after you have made a claim on death, TPD, female cancer or Systemic Lupus Erythematosus (SLE) with Severe Kidney Complications.
1 Upon death, TPD, female cancer or Systemic Lupus Erythematosus (SLE) with Severe Kidney Complications, if the total premiums paid (excluding extra premium charged for sub-standard life and service tax, if applicable) is more than the Basic Sum Assured, we shall refund the total premiums paid (excluding extra premium charged for sub-standard life and service tax, if applicable) instead of Basic Sum Assured.
2 If death, TPD, female cancer or Systemic Lupus Erythematosus (SLE) with Severe Kidney Complications occurs within 6 months from the diagnosis date for female carcinoma-in-situ, the payout will be reduced by 50% of the Basic Sum Assured. If death, TPD, female cancer or Systemic Lupus Erythematosus (SLE) with Severe Kidney Complications after 6 months from the diagnosis date for female carcinoma-in-situ, the payout will be the benefit described above.
Claim on Recovery Benefit, Pregnancy Care Benefit, Baby Care Benefit and Life Change Benefit will NOT reduce the Basic Sum Assured.
Pregnancy Care Benefit and Baby Care Benefit will cease when the Life Assured reaches age 50.
All events are claimable once only under Life Change Benefit, except for childbirth. For Retirement or Death of Spouse Benefit, we shall pay 9% of the Basic Sum Assured less any life change benefits paid previously.
What is PRUlady?
PRUlady is a regular premium non-participating life insurance plan that provides you with protection against the financial impact arising from female illnesses, death or disability up to expiry age of 70 years old. In addition, it also pays Life Change Benefit for various life events. Upon maturity, 100% of total premiums that you have paid (excluding extra premium charged for sub-standard life and service tax, if applicable) will be refunded to you. Furthermore, it protects all mothers-to-be against pregnancy complications and their child against congenital anomalies.
How much premium do I have to pay?
Premiums that you have to pay may vary by age and plan chosen, subject to underwriting. Please refer to the Product Disclosure Sheet and Sales Illustration for the premium payable during the policy term.
You must inform us of any change in occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits.
How are the premiums paid?
Premiums shall be paid throughout the policy term. Premiums can be paid yearly, half-yearly, quarterly or monthly via auto debit, credit card, cash or cheque.
What are the fees and charges I have to pay?
A surrender charge will be levied if you surrender the policy before the end of the policy term. Please refer to the Sales Illustration for surrender charges and surrender values.
PRUlady is for females aged between 17 - 45 years old next birthday.
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Prudential Flexi Med Medical Card Health Insurance Plan(1.73MB) |
| Prudential Flexi Med Medical Card Health Insurance Plan
PRUflexi med
Enjoy greater flexibility with a medical card that lets you choose what you want.
PRUflexi med is a regular premium investment-linked medical rider that reimburses medical expenses incurred in the event of hospitalization. |
Prudential Critical Illness Insurance Shield Medical Insurance Plan (0.66MB) |
| Prudential Critical Illness Insurance Shield Medical Insurance Plan |
Prudential Malaysia Medical Insurance Plan PRUmultiple crisis cover 160505(0.84MB) |
| Prudential Malaysia Medical Insurance Plan
PRUmultiple crisis cover
PRUmultiple crisis cover -A plan that allows you to bounce back after a critical illness...again and again.
PRUmultiple crisis cover is a term plan that recognizes the need for enhanced protection and peace of mind. This plan not only covers you against death, Total and Permanent Disability (TPD), it also protects you against a wide range of critical illnesses and allows you to make MULTIPLE critical illness and cancer claims.
But not only that, you may also add on supplementary benefits that will further enhance your PRUmultiple crisis cover plan, which means you can customise this plan with features that would best suit your needs.
Critical illnesses claims of up to THREE times
You are allowed up to THREE critical illness claims from a comprehensive and wide-ranging list of illnesses, allowing you a peace of mind knowing that you are covered again and again.
Coverage for TWO instances of Cancer
PRUmultiple crisis cover allows you to make up to TWO cancer claims, giving you added protection when you need it most.
WAIVER of PREMIUMS upon diagnosis of critical illness
From the first instance of critical illness diagnosis, PRUmultiple crisis cover will waive all future premiums, so that you can concentrate on getting your health back on track without any additional worry.
COMPREHENSIVE coverage for death, disability and critical illnesses
We truly understand when you need help the most by giving your loved ones and yourself death and Total and Permanent Disability (TPD) benefits in addition to the protection for a wide range of critical illnesses.
HOW DOES THE PRODUCT WORK?
PRUmultiple crisis cover is a term plan that covers you against death, Total and Permanent Disability (TPD) and a wide range of critical illnesses. It is a unique plan that allows you to make multiple critical illness and cancer claims.
Note: For a juvenile plan, in the event of death, critical illness or TPD before age 5, the proportion of the basic sum assured paid is at age 1age 1 n.b. (next birthday): 20%, age 2 n.b.: 40%, age 3 n.b.: 60%, age 4 n.b.: 80%, age 5 n.b.: 100%.
For full premium rate details, please refer to the below tables by clicking on the words:
1) Male smoker
2) Male non-smoker
3) Female smoker
4) Female non-smoker
PREMIUM PAYMENT
Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.
WHAT ILLNESSES CAN I CLAIM FOR?
Critical illnesses are categorised into 5 groups as below.You are allowed to make 1 critical illness claim from each group (up to a maximum of 3 claims from all groups) throughout your policy term.
Group 1
1. Coronary Artery By-Pass Surgery
2. Serious Coronary Artery Disease
3. Angioplasty and Other Invasive Treatments for Coronary Artery Disease
4. Heart Attack
5. Kidney Failure
6. Major Organ / Bone Marrow Transplant (Kidney)
7. Medullary Cystic Disease
8. Systemic Lupus Erythematosus (SLE) with Severe Kidney Complications
9. Stroke
Group 2
1. Cardiomyopathy
2. Heart Valve Surgery
3. Major Organ / Bone Marrow Transplant (Heart)
4. Primary Pulmonary Arterial Hypertension
5. Surgery to Aorta
Group 3
1. Brain Surgery
2. Benign Brain Tumor
3. Blindness
4. Coma
5. Deafness
6. Loss of Speech
7. Third Degree Burns
8. Major Head Trauma
Group 4
1. End-Stage Liver Failure
2. End-Stage Lung Disease
3. Fulminant Viral Hepatitis
4. Major Organ / Bone Marrow Transplant (Liver/Lung)
Group 5
1. Alzheimer's Disease/Severe Dementia
2. Bacterial Meningitis
3. Encephalitis
4. Loss of Independent Existence
5. Motor Neuron Disease
6. Multiple Sclerosis
7. Paralysis of Limbs
8. Parkinson’s Disease
Group 6
1. Full-Blown AIDS
2. HIV Infection due to Blood Transfusion
3. Chronic Aplastic Anemia
4. Cancer
5. Major Organ / Bone Marrow Transplant (Pancreas)
6. Major Organ / Bone Marrow Transplant (Bone Marrow)
HOW DOES THE CANCER CLAIM WORK?
You are allowed up to 2 Cancer claims within Group 6 which will be considered as 2 out of the total 3 critical illness claims you can make.
When the first Cancer claim is made, all other illnesses in Group 6 will be dropped while Cancer remains to allow a second cancer claim. A 5-year cancer free waiting period* between Cancer claims is also required and the second Cancer cannot be from the same site as the 1st Cancer.
* The 5-year cancer free waiting period is defined as sixty (60) months from the date that the Cancer is deemed by the Oncologist to be in remission for the first Cancer and/or any subsequent Cancer.
HOW DOES THE ANGIOPLASTY AND OTHER INVASIVE TREATMENT FOR CORONARY ARTERY DISEASE CLAIM WORK?
10% of the sum assured up to a limit of RM25,000 will be payable for Angioplasty and Other Invasive Treatments for Coronary Artery Disease. The balance of the sum assured will be available for another critical illness claim from Group 1 while the full sum assured will still be payable for other critical illness claims from other groups. No benefit for Angioplasty and Other Invasive Treatments for Coronary Artery Disease will be payable if there is a prior claim from Group 1.
A claim for Angioplasty and Other Invasive Treatments for Coronary Artery Disease will not be applicable for premium waiver and can only be claimed once. The claim does not count towards the limit of 3 critical illness claims.
HOW DOES MAJOR ORGAN / BONE MARROW TRANSPLANT CLAIM WORK?
During the policy term, you can only claim for a Major Organ / Bone Marrow Transplant once from any one of the five Major Organ / Bone Marrow Transplant groupings (Groups 1, 2, 4 and 6). Once a claim has been made, you cannot claim for other major organ / bone marrow transplants regardless of whether it is from the same or different Critical Illness groups.
This plan is for anyone aged between 1 - 65 years old next birthday who wants:
Peace of mind for coverage of more than one instance of critical illness.
A product that complements your existing medical insurance to ensure protection beyond hospitalization.
For your protection against any eventualities, we offer you supplementary benefits to enhance your PRUmultiple crisis cover plan (subject to additional premium).
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Prudential Malaysia Medical Insurance Plan - PRUhealth160504(2.51MB) |
| Prudential Malaysia Medical Insurance Plan - PRUhealth
Medical Insurance - Health has its rewards.
A medical plan that rewards you for staying healthy.
COMPREHENSIVE coverage for hospitalisation and surgery bills
PRUhealth is a plan that provides COMPREHENSIVE medical coverage by reimbursing your medical expenses incurred in the event of hospitalisation. Get peace of mind when you need it the most!
Enjoy NO CLAIMS BONUS
An innovative medical plan that rewards you with annual bonuses of up to RM5001 when you do not make any claim for the year. Your bonuses will automatically be credited in the form of additional units to be invested into funds of your choice, thus increasing your investment value, or to be withdrawn+ should you have the need to.
Option to SEEK MEDICAL TREATMENT OVERSEAS*
In addition to comprehensive coverage for hospitalisation and surgical expenses under your PRUhealth plan, you now have the option of overseas medical treatment for 5 types of covered conditions in Singapore, Hong Kong and China with PRUmedic overseas.
CHOICE to CHANGE your coinsurance option
If you are thinking to enhance your existing medical plan coverage, you can also opt for PRUhealth with either RM3,000 or RM10,000 deductible. Include this with PRUmedic retirement benefit and it will automatically switch the deductible amount to coinsurance when you reach 55 years old next birthday. Not only will it make your plan more affordable, it also gives you coverage when you need it the most – your retirement.
AUTOMATIC UPGRADE OPTION of your PRUhealth plan*
Your PRUhealthplan will be upgraded to the next benefit level on the 5th and 10th year rider benefit anniversary regardless of your health condition and any previous medical claims you may have made when you take up PRUmedic auto upgrade. This upgrade will follow the policy terms and conditions at the start or as and when it is attached to your PRUhealth plan.
An option to WAIVE the annual claims limit*
Worried that your medical bills might surpass your annual limit? You are now given the flexibility to waive the annual limit of your plan by attaching an optional PRUannual limit waiver rider to your PRUhealth plan which enables you to make claims above your annual limit.
Note: This benefit is only available for PRUhealth 200, 300 and 400 plans and cannot co-exist with PRUmedic auto upgrade or when deductible is selected for PRUhealth. Total benefits payable cannot exceed your Lifetime Limit.
CHOICE OF PLANS to suit your budget
Depending on the type of plan you choose and your age, you have a choice of 5 different PRUhealth plans starting from as low as RM100 a month to suit your lifestyle and needs.
Coverage of up to age 1002
PRUhealth gives you the choice of protection through all stages in life by covering your medical bills even up to age 100!
+ Subject to a minimum of RM500 per transaction. If the value of funds is less than RM500, only complete withdrawal is allowed.
* Subject to underwriting, additional premium and policy terms & conditions.
1 Amount depends on type of plan chosen without PRUmedic auto upgrade attached.
2 Subject to policy terms and conditions of the basic plan to which PRUhealth is attached & subject to sufficient funds to deduct insurance and service charges from.
Select the plan of your choice by clicking here.
Note:
Coinsurance is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit. If coinsurance is selected, policyholder will have to pay 10% of cost of an eligible benefit, subject to minimum coinsurance amount of RM300 and maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefit, and maximum coinsurance amount of RM2,000 for Outpatient Treatment Benefit. The coinsurance will be applicable for each bill. The remaining balance is paid by the Company up to the annual limit.
On the other hand, deductible is a fixed amount the policyholder must first pay regardless of the total cost of an eligible benefit (excluding cost of daily room & board) for any one disability during a 90-day period. If deductible of RM3,000 or RM10,000 is selected, policyholder will have to pay the first RM3,000 or RM10,000 of the total cost of an eligible benefit (excluding cost of daily room & board). The remaining balance is paid by the Company up to annual limit.
WHAT IS PRUhealth?
PRUhealth is a regular premium medical rider plan that reimburses medical expenses incurred in the event of hospitalisation. Not only does this plan reward policyholders with No Claims Bonus (NCB) for those who do not make any claims for the year, you now have the option to choose the level of deductible (the fixed amount you must pay out of the total medical fees, excluding cost of daily room & board, for any one disability during a 90-day period) of RM3,000 or RM10,000 other than the default coinsurance option.
HOW CAN I TAKE UP PRUhealth?
You can take up PRUhealth when you purchase PRUlink one or PRUmy child policies.
HOW WILL THE NO CLAIMS BONUS (NCB) BENEFIT ME?
If you do not make any claims for the year, Prudential will reward you with No Claims Bonus (NCB) by purchasing additional units for your investment in the following year.
The amount of bonus paid depends on the plan that you have chosen.
Once you make a claim, you will not receive any bonus in the following year. However, you will receive the bonus for subsequent years as long as no claims are made. An example of the bonus mechanism, for a 30-year old male policyholder with a PRUhealth 200 plan, expiring at age 70 and pays an annual premium of RM1,032:
Years
Annual Premium (RM)
Any Claims Made?
Qualify for Bonus?
Amount of Bonus Received (RM)
1
1032
No
Yes
-
2
1032
Yes
No
300
3
1032
No
Yes
-
4
1032
No
Yes
300
5
1032
No
Yes
300
HOW MUCH PREMIUM DO I NEED TO PAY?
The premium that you pay for a PRUhealth plan is determined by your age, occupation class, plan type and coinsurance / deductible option chosen, subject to underwriting. The premiums are payable throughout the duration of the plan.
For premium rates with expiry at age 80, please click here.
For premium rates with expiry at age 100, please click here.
For additional premium rates with attachment of PRUmedic overseas, please click here.
PREMIUM PAYMENT
Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.
HOW DOES PRUhealth PAY FOR OVERSEAS MEDICAL TREATMENT VERSUS PRUmedic overseas?
If you receive medical treatment overseas under your PRUhealth plan, the benefits are paid according to the costs of treatment that would be reasonably charged by a hospital in Malaysia. No benefit is paid if you reside overseas for more than 90 days per trip.
However, the 90 days restriction on overseas residence will not be applicable to PRUmedic overseas when attached to your PRUhealth plan. Reimbursement of medical expenses shall also be based on the reasonable and customary charges of the country of treatment.
This plan is for people aged between 1 – 70 years old next birthday who want a plan that takes care of their medical expenses AND rewards them for staying healthy.
With additional premium and underwriting, you can now enhance the coverage of your PRUhealth plan with:
a) PRUannual limit waiver – the rider plan that allows you to make claims higher than your annual limit by waiving the annual limit of your PRUhealth plan. This will ensure that you are safeguarded against any unexpected large medical claims within a policy year. PRUannual limit waiver can only be attached to PRUhealth 200, 300 and 400 plans (subject to additional premium). When PRUannual limit waiver is attached, claim amounts exceeding the annual limit will be subjected to a coinsurance amount of 10% on total claims (excluding cost of daily room & board).
b) PRUmedic overseas - have the option to seek overseas medical treatment or advice in China, Hong Kong or Singapore for the following covered conditions:
• Surgery related to cancer
• Neurosurgery
• Coronary artery bypass surgery
• Heart valve surgery
• Organ transplant (kidney, lung, liver, heart, pancreas and bone marrow transplant)
In the event of a covered condition, if you choose to be hospitalised and undergo surgery in Malaysia instead of overseas due to reasons such as family or immobility, a Well-Being Benefit will be payable per admission for every surgery. Policyholders who claim Well-Being Benefit are no longer eligible to reimburse claims for Hospital & Surgical Benefits and Out-patient Treatment Benefits for that particular covered condition. Instead, you may claim Well-Being Benefit for multiple admissions for surgery on covered conditions in Malaysia, and claim for local medical treatment under PRUhealth based on reasonable and customary charges.
c) PRUmedic auto upgrade – with this benefit, our customers will have their PRUhealth plan automatically upgraded. On the 5th and 10th rider benefit anniversary, the PRUhealth plan will move up to the next higher plan following the table below:
d) PRUmedic retirement - your PRUhealth plan with deductible option will be switched automatically to coinsurance option when you retire at age 55 years next birthday with PRUmedic retirement. |
Prudential Malaysia Medical Insurance Plan - Crisis Defender & Early Crisis Protector(0.48MB) |
| Prudential Malaysia Medical Insurance Plan - Crisis Defender & Early Crisis Protector
Crisis Defender & Early Crisis Protector
Shield yourself with Prudential's comprehensive critical illnesses coverage.
Crisis strikes from time to time. With increasing healthcare cost, even a minor incident can change one's lifestyle. Introducing the Crisis Defender and Early Crisis Protector, riders designed to offer financial support right from the early stages of critical illnesses.
Crisis Defender is an optional benefit that is designed to pay a lump sum benefit upon diagnosis of any of the 36 critical illnesses. Any claims on this benefit will not affect the coverage of your basic plan.
Early Crisis Protector is an optional benefit under Crisis Defender that provides Early Stage Critical Illness Benefit and Special Benefit.
Crisis Defender and Early Crisis Protector provide you:
1) The Shields that cover 85 illnesses, conditions and medical procedures in total.
With Crisis Defender and Early Crisis Protector, you are widely covered for a range of 46 Low and Medium Severity illnesses/conditions/medical procedures, and 36 High Severity Critical Illnesses. The benefits don't stop there! Early Crisis Protector also covers 3 specified diabetic complications.
2) Claim up to 6 times
You can claim up to 6 times under Crisis Defender and Early Crisis Protector.
3) NO WAITING in between claims
There is no waiting in between claims. We will pay the subsequent claims immediately if you develop other covered illness or the illness deteriorates further.
Please click here to view the 36 critical illnesses that are covered under Crisis Defender.
Please click here to view the early stage critical illnesses that are covered under Early Crisis Protector.
Early Crisis Protector also provides additional one-off lump sum benefit for the following specified diabetics complications:
a) Surgery for Type 2 Diabetic retinopthy;
b) Limb amputation due to Type 2 Diabetic Complications; or
c) Severe diabetic nephropathy resulting in kidney failure.
For further benefit details, please refer to out product brochure which is available for download.
Crisis Defender
We will pay you the benefit if you are diagnosed with a critical illness covered under Crisis Defender. In the event of critical illness before age 5 next birthday (n.b.), the proportion of the Crisis Defender sum assured payable is 20%, 40%, 60%, 80% and 100% for age 1, 2, 3, 4 and 5 next birthday respectively.
Early Crisis Protector
We will pay you the benefit if you are diagnosed with the illnesses, conditions or medical procedures covered under Early Crisis Protector. You are allowed to make multiple claim as long as the sum assured has not been fully paid. Once we have paid a claim, a subsequent claim of the same or lower severity within the same category will no longer be covered.
However, for a subsequent claim of higher severity within the SAME category, we will pay you:
i. the difference between the relevant amount for the subsequent claim and the amount we paid to you for the previous claim(s); or
ii. the reduced amount of benefit at the time the subsequent claim is made; whichever is lower.
For a subsequent claim from a DIFFERENT illness category, we shall pay you:
i. the relevant amount for the subsequent claim; or
ii. the reduced amount of benefit at the time the subsequent claim is made; whichever is lower.
Note: We will pay your claims as long as you have survived 30 days after being diagnosed with the illnesses or conditions covered under Crisis Defender and Early Crisis Protector.
For a sample of the claim scenarios, please refer to our product brochure which is available for download.
Premium Information
The premium that you need to pay will depend on your age, gender and smoking status. You would have to pay premiums throughout the duration of the benefits.
Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.
Crisis Defender: Anyone between 1 to 70 years old on their next birthday.
Early Crisis Protector: Anyone between 19 to 70 years old on their next birthday.
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Tokio Marine Malaysia Medical Insurance Plan MosBite 160505(1.16MB) |
| Tokio Marine Malaysia Medical Insurance Plan
MosBite
A no-frills insurance cover that pays up to RM3000 when diagnosed with dengue fever.
Simple • Instant • Affordable.
What is MosBite insurance?
It is a plan that pays a stated lump sum benefit in the event you are diagnosed with Dengue Fever.
Key coverage
Dengue
Dengue
Require blood test on Dengue Serology and proven positive
How much is my premium?
There are 3 plans which provide a lump benefit of RM2,000, RM2,500 or RM3,000.
The Annual Premium per person is RM31.80, RM38.16 and RM44.52 respectively.
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Tokio Marine Medical Card MediPlus (General)(0.65MB) |
| Tokio Marine Medical Card MediPlus (General) |
Tokio Marine Medic Partner Medical Insurance Plan (General)(0.84MB) |
| Tokio Marine Medic Partner Medical Insurance Plan (General) |
Tokio Marine Premium Medic Medical Insurance Plan (General)(1.64MB) |
| Tokio Marine Premium Medic Medical Insurance Plan (General) |
Zurich Medical Life 210 Malaysia Health Insurance(3.35MB) |
| Zurich Medical Card
Zurich Medical Assistance Call Center
Toll Free : 1 300 80 0020
Fixed Line : +603-7803 2003
Zurich Malaysia Medical Life 210
Underwritten By Zurich Insurance Malaysia Berhad
Arranged By ACPG Management Sdn Bhd.
ACPG careline : +603-92863323
Email : enquiry@acpgconsultant.com
Homepage : www.acpgconsultant.com
Your life is always precious, especially to your loved ones. It's a sad reality but life can be changed forever through a freak accident, a sudden heart attack or a dread disease. Its effects can be devastating, especially on your family! So, don't let yourself be caught unprepared for these sudden mishaps.
Protect yourself against the rising cost of medical treatment with MedicaLife 210.
Benefits
This is a guaranteed renewal policy up to age 80. MedicaLife 210 is a standalone Hospitalisation & Surgical policy with 4 plans available for the Insured. It prepares policyholders for costly medical expenses with high lifetime limit - as high as RM 1,200,000.
The Insured will be provided with a MedicaLife 210 Medical Card to facilitate hospital admission. The Medical Card is accepted by a panel of quality hospitals nationwide.
The Insured will also get to enjoy international assistance programs with MedicaLife 210. The services offered are International Medical Assistance, Travel Assistance, Car Assistance and Home Assistance
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Zurich Panel Hospital List for Zurich Life Medical Card Health Insurance Plan(0.52MB) |
| Zurich Panel Hospital List for Zurich Life Medical Card Health Insurance Plan.
Zurich Medical Assistance Call Center
Toll Free : 1 300 80 0020
Fixed Line : +603-7803 2003 |
Malaysia Medical Insurance Organization (MMI)
Your Trusted Malaysia Medical Insurance Risk Management Advisory Provider
Malaysia Medical Insurance Organization (MMI)
Head Office,
158-3-7, BLOK 158, KOMPLEKS MALURI,
JALAN JEJAKA, TAMAN MALURI,CHERAS,
JALAN JEJAKA, TAMAN MALURI,CHERAS,
55100 KUALA LUMPUR, MALAYSIA.
MMI careline +603-92863323
mmicare@medicalinsurance.com.my
www.medicalinsurance.com.my
Please click HERE for MMI Associate Members Application Form
