{ "generated_at": "2026-09-04", "license": "https://insurance.subimpact.net/terms/", "source": "https://insurance.subimpact.net/methodology/", "insurers": [ { "slug": "pamb", "name": "Prudential Assurance Malaysia Berhad", "short_name": "Prudential", "type": "life", "takaful": false, "official_url": "https://www.prudential.com.my", "summary": "Licensed life insurer. Conflict-registered: consulting/training engagements.", "verified_at": "2026-08-24", "source_url": "https://www.prudential.com.my" }, { "slug": "prubsn", "name": "Prudential BSN Takaful Berhad", "short_name": "PruBSN", "type": "takaful", "takaful": true, "official_url": "https://www.prubsn.com.my", "summary": "Licensed family takaful operator. Conflict-registered: Prudential group.", "verified_at": "2026-08-24", "source_url": "https://www.prubsn.com.my" }, { "slug": "aia-public-takaful", "name": "AIA PUBLIC Takaful Bhd", "short_name": "AIA PUBLIC", "type": "takaful", "takaful": true, "official_url": "https://www.aia.com.my", "summary": "AIA PUBLIC Takaful Bhd is the takaful arm of AIA Malaysia offering family takaful plans.", "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful.html" }, { "slug": "aia", "name": "AIA Bhd.", "short_name": "AIA", "type": "life", "takaful": false, "official_url": "https://www.aia.com.my", "summary": "Licensed life insurer.", "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my" }, { "slug": "allianz", "name": "Allianz Life Insurance Malaysia Berhad", "short_name": "Allianz", "type": "life", "takaful": false, "official_url": "https://www.allianz.com.my", "summary": "Licensed life insurer.", "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my" }, { "slug": "ammetlife-takaful", "name": "AmMetLife Takaful Berhad", "short_name": "AmMetLife Takaful", "type": "takaful", "takaful": true, "official_url": "https://www.ammetlifetakaful.com", "summary": "AmMetLife Takaful Berhad provides family takaful protection and wealth plans under the AmBank Group.", "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/" }, { "slug": "etiqa-family", "name": "Etiqa Family Takaful Berhad", "short_name": "Etiqa Family", "type": "takaful", "takaful": true, "official_url": "https://www.etiqa.com.my", "summary": "Etiqa Family Takaful Berhad is the family takaful operator of the Etiqa group, licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia.", "verified_at": "2026-08-26", "source_url": "https://www.etiqa.com.my" }, { "slug": "etiqa-life", "name": "Etiqa Life Insurance Berhad", "short_name": "Etiqa", "type": "life", "takaful": false, "official_url": "https://www.etiqa.com.my", "summary": "Licensed life insurer. Etiqa Family Takaful is a separate entity.", "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/health/onemedical" }, { "slug": "sunlife", "name": "Sun Life Malaysia Assurance Berhad", "short_name": "Sun Life", "type": "life", "takaful": false, "official_url": "https://www.sunlifemalaysia.com", "summary": "Licensed life insurer. Sun Life Takaful is a separate entity.", "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/shield-medi-care-max" }, { "slug": "fwd-takaful", "name": "FWD Takaful Berhad", "short_name": "FWD Takaful", "type": "takaful", "takaful": true, "official_url": "https://www.fwd.com.my", "summary": "FWD Takaful Berhad is the takaful arm of FWD Malaysia offering family takaful, savings and investment-linked plans.", "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/" }, { "slug": "ge-takaful", "name": "Great Eastern Takaful Berhad", "short_name": "GE Takaful", "type": "takaful", "takaful": true, "official_url": "https://www.greateasterntakaful.com", "summary": "Great Eastern Takaful Berhad is the family takaful arm of Great Eastern Malaysia.", "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful.html" }, { "slug": "generali", "name": "Generali Insurance Malaysia Berhad", "short_name": "Generali", "type": "life", "takaful": false, "official_url": "https://www.generali.com.my", "summary": "Licensed life insurer.", "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/medical-health/multi-medic" }, { "slug": "ammetlife", "name": "AmMetLife Insurance Berhad", "short_name": "AmMetLife", "type": "life", "takaful": false, "official_url": "https://www.ammetlife.com.my", "summary": "Licensed life insurer.", "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/health/hospitalisation/amp-med-xpnse/" }, { "slug": "fwd", "name": "FWD Insurance Berhad", "short_name": "FWD", "type": "life", "takaful": false, "official_url": "https://www.fwd.com.my", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance/" }, { "slug": "ge-life", "name": "Great Eastern Life Assurance (Malaysia) Berhad", "short_name": "Great Eastern", "type": "life", "takaful": false, "official_url": "https://www.greateasternlife.com/my", "summary": "Licensed life insurer.", "verified_at": "2026-08-24", "source_url": "https://www.greateasternlife.com/my" }, { "slug": "zurich", "name": "Zurich Life Insurance Malaysia Berhad", "short_name": "Zurich", "type": "life", "takaful": false, "official_url": "https://www.zurich.com.my", "summary": "Licensed life insurer.", "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my" }, { "slug": "hla", "name": "Hong Leong Assurance Berhad", "short_name": "HLA", "type": "life", "takaful": false, "official_url": "https://www.hla.com.my", "summary": "Licensed life insurer regulated by Bank Negara Malaysia under the Financial Services Act 2013.", "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/term-cover-10.html" }, { "slug": "manulife", "name": "Manulife Insurance Berhad", "short_name": "Manulife", "type": "life", "takaful": false, "official_url": "https://www.manulife.com.my", "summary": "Licensed life insurer.", "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my" }, { "slug": "mcis", "name": "MCIS Insurance Berhad", "short_name": "MCIS", "type": "life", "takaful": false, "official_url": "https://www.mcis.my", "summary": "Licensed life insurer.", "verified_at": "2026-08-24", "source_url": "https://www.mcis.my" }, { "slug": "tokio-marine", "name": "Tokio Marine Life Insurance Malaysia Bhd.", "short_name": "Tokio Marine Life", "type": "life", "takaful": false, "official_url": "https://www.tokiomarine.com.my", "summary": "Licensed life insurer.", "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my" }, { "slug": "sunlife-takaful", "name": "Sun Life Takaful (Malaysia) Berhad", "short_name": "Sun Life Takaful", "type": "takaful", "takaful": true, "official_url": "https://www.sunlife.com.my", "summary": "Sun Life Takaful (Malaysia) Berhad offers family takaful protection, savings, and investment-linked plans.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/" }, { "slug": "zurich-takaful", "name": "Zurich Takaful Malaysia Berhad", "short_name": "Zurich Takaful", "type": "takaful", "takaful": true, "official_url": "https://www.zurich.com.my", "summary": "Licensed family takaful operator.", "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/takaful-products/protection/for-my-health/mediafya-plus" }, { "slug": "takaful-ikhlas", "name": "Takaful IKHLAS Sdn Bhd", "short_name": "Takaful IKHLAS", "type": "takaful", "takaful": true, "official_url": "https://www.takaful-ikhlas.com.my", "summary": "Takaful IKHLAS is a Malaysian takaful operator (the family takaful arm is Takaful Ikhlas Family Berhad, as stated in its PDS) offering Shariah-compliant personal takaful products spanning term protection, hibah & protection, and savings/endowment plans.", "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my" }, { "slug": "tmkl", "name": "Takaful Malaysia Keluarga Berhad", "short_name": "TMKL", "type": "takaful", "takaful": true, "official_url": "https://www.takaful-malaysia.com.my", "summary": "Licensed family takaful operator.", "verified_at": "2026-08-24", "source_url": "https://www.takaful-malaysia.com.my" } ], "products": [ { "slug": "pruvalue-med", "insurer": "pamb", "name": "PRUValue Med", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue-Med-PDS.pdf", "source_detail": "PDS PDF sample (prepared 20 Jan 2026, SQSOnline Agency ver 8.2.0.0; sample config: MVP RM1m, R&B 200, Med Saver 300) + official leaflet 04/2026 for full R&B 150-600 tier matrix (https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue%20Med_ENG%20FA.pdf); product page https://www.prudential.com.my/en/products/medical-insurance/pruvalue-med. PRUValue Med is an ILP rider attachable to PRUWith You Plus - PAMB has no standalone medical card on prudential.com.my (PRUMillion Med 2.0 / Active 2.0 are also ILP riders). Note: leaflet 04/2026 states R&B up to 150 days/yr; product page summary states 90 days/yr. [C8 FIX 2026-08-24: lifetime limit was a sample-quote artifact (MVP RM1m); corrected to \"not stated\" — MVP is customer-selected per PDS]", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; maternity complications first 365 days; non-exhaustive list (see policy contract)", "entry_age_min": 1, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "health360", "insurer": "prubsn", "name": "Health360", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/shared/pdf/products/basic-plans-pds/prubsn-asas360-and-riders/Static%20PDS_PTD_PruBSN%20Asas360_Health360_EN.pdf", "source_detail": "PDS PDF (sample: Plan 200, Co-Payment Auto-Switch; image-based PDF, OCR-extracted) + official brochure May 2025 for full R&B 200-1,000 tier matrix (https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/en/product/riders---medical/health360/PruBSN-Health360_brochure-r12-FINAL-HI-ENG.pdf); product page https://www.prubsn.com.my/en/products/riders/medical/health360. Health360 is a Unit Deducting Rider attachable to PruBSN Asas360 - the current family takaful medical rider (successor to Takafulink Medical).", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; mental care first 180 days; pregnancy/childbirth; congenital abnormalities; elective cosmetic surgery; dental (except accident); experimental treatment; HIV/AIDS; psychiatric/mental disorders (except covered mental care); non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "aia-public-i-one-plan", "insurer": "aia-public-takaful", "name": "AIA i-One Plan", "shape": "standalone", "category": "life", "summary": "Online family takaful plan providing lump sum death and TPD benefit, 1-year coverage, eligible ages 16-55.", "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individual/online/aia-i-one-plan.html", "source_detail": "Online family takaful plan. Coverage period 1 year, eligible age 16-55. Death benefit: lump sum to loved ones. TPD benefit included. Sold online (AIA MY online takaful).", "exclusions": "not disclosed", "entry_age_min": "16", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-public-i-starter-plan", "insurer": "aia-public-takaful", "name": "AIA i-Starter Plan", "shape": "standalone", "category": "life", "summary": "Online family takaful protection plan with lump sum death benefit, 1-year coverage, eligible age 16-55, with Prudent Tenang initiative link.", "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/aia-i-starter-plan.html", "source_detail": "Online family takaful protection plan. Coverage period 1 year, eligible age 16-55. Provides lump sum payment on death. Linked to Amanah Tenang initiative. PDS and takaful certificate available online.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-public-a-life-idaman", "insurer": "aia-public-takaful", "name": "A Life Idaman", "shape": "standalone", "category": "life", "summary": "Family takaful plan providing lump sum death benefit with 200% sum covered on accidental death, covering pre-natal (13-35 weeks gestation) and post-natal (14 days-60 years).", "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-life-idaman.html", "source_detail": "Family takaful plan. Your family receives a lump sum payment in the event of demise; get 200% of sum covered for death due to accident. Eligible age: pre-natal 13-35 weeks gestation; post-natal 14 days-60 years old. Coverage up to 70 or 80 with auto-extension to age 100. Product brochure and benefits listed on product page. Accidental death: 200% of sum covered.", "exclusions": "not disclosed", "entry_age_min": "Pre-natal: 13-35 weeks gestation; post-natal: 14 days", "renew_age_max": "Up to 70 or 80 years old with auto-extension to age 100", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-public-a-life-joy-xtra", "insurer": "aia-public-takaful", "name": "A Life Joy Xtra", "shape": "standalone", "category": "life", "summary": "Takaful plan for parent and child covering pre-natal (13-35 weeks) and child to age 100, with automatic extension of coverage term and riders incl A-Plus Health360.", "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-life-joy-xtra.html", "source_detail": "Plan for parent and child. Coverage up to 70, 80 or 100 years old. Eligible age pre-natal 13-35 weeks gestation; post-natal 14 days-15 years. Withdraw from Automatic Extension of Coverage Term before maturity. Basic plan and attaching riders including A-Plus Health360 continue up to age 100 if sufficient account value to deduct charges.", "exclusions": "not disclosed", "entry_age_min": "Pre-natal: 13-35 weeks; post-natal: 14 days", "renew_age_max": "Up to 70, 80 or 100 years old; auto-extension to age 100", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-public-a-life-legasi-beyond", "insurer": "aia-public-takaful", "name": "A Life Legasi Beyond", "shape": "standalone", "category": "life", "summary": "Investment-linked takaful plan for legacy building; coverage up to 70 or 80 years old; up to 6x coverage on death due to natural disaster.", "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-life-legasi-beyond.html", "source_detail": "Investment-linked takaful. Eligible age 14 days-70 years. Coverage period up to 70 or 80. In the event of death due to natural disaster, loved ones receive up to 6 times coverage amount.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage period up to 70 or 80 years old", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-public-a-life-sejuta-makna", "insurer": "aia-public-takaful", "name": "A Life Sejuta Makna", "shape": "standalone", "category": "life", "summary": "High takaful protection with minimum RM350,000 sum covered; coverage 10 years, 20 years or up to age 60; eligible age 16-70.", "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-life-sejuta-makna.html", "source_detail": "High takaful protection with minimum of RM350,000 to create a better future for loved ones. Coverage period 10 years, 20 years or up to age 60. Eligible age 16-70.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage period 10 years, 20 years or to age 60", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-public-a-enrich-rezeki", "insurer": "aia-public-takaful", "name": "A-Enrich Rezeki", "shape": "standalone", "category": "life", "summary": "Takaful savings and investment plan with yearly Investment Booster credited into Participants Investment Fund; 20-year coverage, eligible age 14 days-60.", "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-enrich-rezeki.html", "source_detail": "Savings and investment plan with unforeseen incident coverage. Eligible age 14 days-60 years, coverage period 20 years. Account Value grows with yearly Investment Booster credited into Participants Investment Fund and then invested.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage 20 years", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-public-a-enrich-gold-i", "insurer": "aia-public-takaful", "name": "A-EnrichGold-i", "shape": "standalone", "category": "life", "summary": "Short-pay takaful savings plan: pay 10 years for 25 years of protection OR pay 20 years for 30 years; eligible age 14 days-65; maturity value up to 150% of coverage.", "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-enrich-gold-i.html", "source_detail": "Short-pay takaful savings plan. Option to pay 10 years for 25 years protection or 20 years for 30 years. Eligible age 14 days-65 years. Guaranteed maturity value up to 150% of coverage amount depending on plan, plus potential investment upside.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage period up to 30 years", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-public-a-plus-infaq", "insurer": "aia-public-takaful", "name": "A-Plus Infaq", "shape": "standalone", "category": "life", "summary": "Wealth and legacy planning takaful where coverage amount is paid to a chosen charitable organisation upon death or TPD; eligible 14 days-70; coverage to 70/80.", "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-plus-infaq.html", "source_detail": "Wealth and legacy planning. Coverage amount paid to a charitable organisation of your choice upon demise or TPD. Eligible age 14 days to 70 years old. Coverage period up to 70 or 80 years old.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage period up to 70 or 80 years old", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-public-a-plus-parentcare-xtra-i", "insurer": "aia-public-takaful", "name": "A-Plus ParentCare Xtra-i", "shape": "standalone", "category": "life", "summary": "Family takaful plan covering parent's death benefit with 100% sum covered; covers until child turns 25; eligible parent age 18-60.", "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-plus-parentcare-xtra-i.html", "source_detail": "Parent-child takaful plan. Get 100% of sum covered in event of parent's death. Eligible age 18-60 years. Coverage continues until person covered reaches 25 years old.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Covered until Person Covered is 25 years old", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "a-plus-health-2", "insurer": "aia", "name": "A-Plus Health 2", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my", "source_detail": "A-Plus Health 2 brochure (0626) + A-Plus Health 2 PDS embedded in A-LifeLink 2 PDS (12/22/2025, pp.52-58): 2 plans (Plan 200/Plan 300); OAL RM1,500,000/RM1,700,000; lifetime limit No Limit; R&B RM200/RM300 per day, no day limit; ICU no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious) / 365 days (serious); outpatient cancer & kidney dialysis as charged; PDS Cost Saving Option RM500 deductible per any one disability (items 1-3) with SMART Option plus conditional 20% coinsurance up to RM20,000 per disability (no GP referral / no specialist consultation / non-SMART panel treatment); brochure (0626) shows alternative Cost Saving Option RM20,000 deductible per year with auto conversion at age 60; entry age 14 days to 70 years (pre-born 13-35 weeks gestation with 30-day waiting from birth); coverage up to age 70/80/100 or 25 years per selection; renewal guaranteed but COI not guaranteed; waiting 30 days general, 120 days specified illnesses; cashless at AIA panel hospitals / pay-first-claim-later for non-panel; UDR - units deducted from ILP account value for COI; no-claim bonus RM1,500/RM1,700 per year into Health Wallet (up to 10x)", "exclusions": "Pre-existing illness; specified illnesses (hypertension, diabetes, cardiovascular disease, tumours/cysts/nodules/polyps, urinary/biliary stones, ENT diseases, hernias, haemorrhoids, fistulae, hydrocele, varicocele, reproductive system diseases, spine/knee disorders) within 120 days; congenital/neo-natal abnormalities (except Special Care Benefit); self-destruction/self-inflicted injury; war/riots/civil commotion; pregnancy/miscarriage/childbirth (except covered maternity complications after 1 year); mental/nervous disorders (except Mental Health Benefit); alcoholism/drug abuse; elective/plastic/cosmetic surgery (except due to accident or cancer); circumcision; corrective glasses/contact lenses; dental care (except accidental injury); non-medically necessary treatment; nuclear radiation; organ donation; overseas treatment after 90 consecutive days outside Malaysia (except Singapore/Brunei); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "a-plus-health-360", "insurer": "aia", "name": "A-Plus Health 360", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my", "source_detail": "Official A-Plus Health 360 brochure (0626): single plan (no plan tiers) with 3 Cost Saving Options emitted as separate objects per dataset convention; OAL RM3,000,000; lifetime limit No Limit; R&B RM300/day no day limit; ICU no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious) / 365 days (serious); outpatient cancer & kidney dialysis as charged; day care procedure & surgery as charged; primary care up to RM50/visit, 3 visits/rider year; no-claim bonus RM2,500/rider year into Health Wallet (up to 10x); preferred panel bonus RM1,000/rider year; entry age, waiting periods, exclusions, renewal not stated in brochure (refer to policy contract); ILP rider attachable to regular premium ILPs; SMART panel hospitals with waiver of admission deposit (cashless admission)", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "allianz-healthassured", "insurer": "allianz", "name": "HealthAssured", "shape": "ilp-rider", "category": "medical", "summary": "Medical rider on Allianz EliteChoice ILP. MediSafe Infinite+ discontinued — this is the current Allianz Life medical card.", "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/medical-and-hospitalisation/healthassured.html", "source_detail": "Official HealthAssured EN brochure (April 2026, 11pp) via allianz.com.my product page; Table of Benefits + waiting periods + exclusions read directly. Entry age 13 weeks gestation/15 days min, 36 weeks/70 max. No R&B day limit. MediSafe Infinite+ page redirects to HealthAssured (discontinued).", "exclusions": "Pre-existing conditions; specified illnesses in waiting period; cosmetic/plastic surgery; dental; pregnancy/childbirth; HIV/AIDS; suicide (12-month clause on Bereavement Benefit); war/nuclear; hazardous sports; experimental treatments; mental disorders; congenital conditions manifested before age 17.", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "lifetime" }, { "slug": "ammetlife-takaful-flexisecure-i-link", "insurer": "ammetlife-takaful", "name": "FlexiSecure-i Link", "shape": "standalone", "category": "life", "summary": "Investment-linked family takaful with rider options, participant entry 30 days to 60 years, certificate holder 17+.", "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/BancaTakaful/FlexiSecure-i-Link.aspx", "source_detail": "Investment-linked family takaful (bancatakaful channel). Choice of investment funds, riders to enhance protection. Participant entry 30 days - 60 years old; certificate holder 17+. PIDM protected (unit portion subject to limitations).", "exclusions": "Not disclosed", "entry_age_min": "30 days (participant)", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "bank", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ammetlife-takaful-flexicare-i-plus", "insurer": "ammetlife-takaful", "name": "FlexiCare-i Plus", "shape": "standalone", "category": "life", "summary": "Investment-linked takaful with twin benefits of protection and potential investment-linked income, flexible across life stages.", "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/Agency/FlexiCare-i-Plus.aspx", "source_detail": "Investment-linked takaful (agency channel). Twin benefits of protection and potential investment-linked income; flexible balance across life stages. Participant entry 30 days - 60 years; certificate holder 17+. PIDM protected.", "exclusions": "Not disclosed", "entry_age_min": "30 days (participant)", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ammetlife-takaful-protectsecure-i-murni", "insurer": "ammetlife-takaful", "name": "ProtectSecure-i Murni", "shape": "standalone", "category": "life", "summary": "Family takaful with protection against death and TPD, plus Hajj/Umrah, waqaf, badal hajj, funeral benefit and special allowance at 3rd certificate year.", "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/BancaTakaful/ProtectSecure-i-Murni.aspx", "source_detail": "Bancatakaful family takaful. Benefits: death or TPD; additional benefit during Hajj or Umrah; Waqaf benefit to approved organization; Badal Hajj benefit upon death/TPD; funeral benefit; special allowance at end of 3rd certificate year for Hajj/Umrah aspiration. Participant entry 30 days - 60 years.", "exclusions": "Not disclosed", "entry_age_min": "30 days (participant)", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "bank", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ammetlife-takaful-prestigewealth-i", "insurer": "ammetlife-takaful", "name": "PrestigeWealth-i", "shape": "standalone", "category": "life", "summary": "Bancatakaful wealth investment-linked plan with steady payouts, enhanced milestones, elevated maturity, accidental payout, liquidity and legacy distribution.", "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/BancaTakaful/PrestigeWealth-i.aspx", "source_detail": "Bancatakaful wealth/investment-linked. Steady payouts, enhanced milestones, elevated maturity benefit, additional accidental payout, liquidity for needs, legacy distribution. Tailored flexibility, seamless enrolment.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "bank", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ammetlife-takaful-legacysecure-i-link", "insurer": "ammetlife-takaful", "name": "LegacySecure-i Link", "shape": "standalone", "category": "life", "summary": "Investment-linked takaful with hibah legacy planning, entry 16-69, non-medical limit up to RM4 million, accidental death coverage, loyalty bonus and waqaf rewards.", "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/BancaTakaful/LegacySecure-i-Link.aspx", "source_detail": "Investment-linked takaful with hibah legacy. Greater coverage value, additional accidental death coverage, high non-medical limit up to RM4 million without medical check-up, loyalty bonus, waqaf rewards. Multiple coverage and contribution term choices. Entry 16 - 69.", "exclusions": "Not disclosed", "entry_age_min": "16", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "bank", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ammetlife-takaful-protect-i-trust", "insurer": "ammetlife-takaful", "name": "Protect-i Trust", "shape": "standalone", "category": "life", "summary": "Family takaful term plan protecting against death and TPD with additional accidental death coverage, RM5,000 funeral expense support, double indemnity while performing Hajj or Umrah, and multiple coverage term choices with optional riders.", "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/Agency/Protect-i-Trust.aspx", "source_detail": "Protection against Death or TPD, additional accidental death coverage, additional RM5,000 funeral expenses, double indemnity while performing Hajj or Umrah, multiple coverage term choices. Contributor and Waqaf riders available. PIDM protected.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ammetlife-takaful-i-am-protect", "insurer": "ammetlife-takaful", "name": "i-Am Protect", "shape": "standalone", "category": "life", "summary": "Pure protection 1-year term takaful with death/TPD coverage, sum covered RM50,000-RM500,000 across 4 plans, affordable with no medical underwriting, for participants 18 days to 55 years old.", "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/Agency/i-Am-Protect.aspx", "source_detail": "Pure protection term takaful: death or TPD 100% of sum covered. 4 plans: Plan 1 RM50k, Plan 2 RM100k, Plan 3 RM200k, Plan 4 RM500k (not available for entry age >45). Entry 18 days - 55 years. No medical underwriting. Wakalah fee RM10 + 30% of contribution. No cash value upon surrender/maturity. Payment via AmOnline/JomPAY. PIDM protected.", "exclusions": "not disclosed", "entry_age_min": "18 days", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-e-takaful-hayat", "insurer": "etiqa-family", "name": "e-Takaful Hayat", "shape": "standalone", "category": "life", "summary": "e-Takaful Hayat is a regular-contribution family takaful term plan offering death protection until age 70, with an additional accidental death benefit and a compassionate benefit. It is a digital-first plan distributed online with no cash payments, and benefits are protected by PIDM up to limits.", "verified_at": "2026-08-26", "source_url": "https://www.etiqa.com.my/life-and-family/e-takaful-hayat", "source_detail": "Live page verified 2026-08-26: entry age 17-60 years, expiry age 70 years; benefits: death, accidental death (additional 200% of sum covered on top of death benefit), compassionate benefit RM1,000, surrender value = accumulated PRF surplus. PDS dated 24 Dec 2025: regular contribution plan to age 70, Tabarru'/Wakalah/Ju'alah/Mudarabah/Hibah concepts, death within 1 year from non-accidental cause pays refund of total contributions, wakalah fee 25% of contribution, 31-day grace period, 15-day free look, contribution rates not guaranteed (3-month notice), PIDM-protected. PDS URL: https://www.etiqa.com.my/pdfs/en/takaful/e-Takaful+Hayat+Product+Disclosure+Sheet.pdf", "exclusions": "Suicide (death due to suicide while sane within 1 year from issue date); accidental death arising directly or indirectly from intentional self-inflicted injury or death, suicide or attempted suicide while sane, or participation in any criminal or illegal act, strike, riot, terrorism or civil commotion. List non-exhaustive; refer to certificate.", "entry_age_min": "17 years", "renew_age_max": "70 (protection until age 70)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "direct (Apply Online on etiqa.com.my; digital distribution)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-mawaddah-ii", "insurer": "etiqa-family", "name": "Mawaddah II", "shape": "standalone", "category": "life", "summary": "Mawaddah II is a regular-contribution family takaful term plan providing 49 years of protection covering death, total and permanent disability (TPD), accidental death and a compassionate benefit. TPD and accidental benefits apply for events occurring before the person covered's 69th birthday.", "verified_at": "2026-08-26", "source_url": "https://www.etiqa.com.my/life-and-family/mawaddah-ii-takaful", "source_detail": "Live page verified 2026-08-26: eligibility individuals aged 17 to 70 years (age next birthday); benefits: compassionate benefit, coverage for accidents, instant approval. PDS dated 20/11/2025 (https://www.etiqa.com.my/pdfs/en/takaful/Mawaddah_II_Website_PDS_EV.pdf): 49-year protection term; death benefit = RM300,000 illustration or total contributions received whichever higher + accumulated PRF surplus; TPD same, payable for TPD prior to 69th birthday, subject to RM2mil aggregate across all certificates with the operator; accidental death in Malaysia additional 200% of sum covered, overseas (within 60 consecutive days of departure) additional 300%, accidental cover expires at 69th birthday; compassionate benefit RM3,000 on death or TPD prior to 69th birthday; contribution duration to age 80 in illustration; wakalah fee 11.30%; 31-day grace; 15-day free look; surrender = accumulated PRF surplus; PIDM-protected.", "exclusions": "Suicide while sane within 1 year from issue date or latest reinstatement date; non-accidental death or TPD within 2 years from issue date; TPD or accidental death due to intentional self-inflicted injury/death/suicide/attempted suicide while sane, or participation in criminal or illegal act, strike, riot, terrorism or civil commotion. List non-exhaustive.", "entry_age_min": "17 years (age next birthday)", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent (Find an Agent CTA; agency distributed)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-i-double-secure", "insurer": "etiqa-family", "name": "i-DoubleSecure", "shape": "standalone", "category": "life", "summary": "i-DoubleSecure is a family takaful term protection plan that pays the sum covered if the person covered dies or becomes totally and permanently disabled (TPD) before the certificate expires, with an additional 100% of sum covered if death or TPD is due to an accident. It is distributed without intermediaries and requires no medical examination.", "verified_at": "2026-08-26", "source_url": "https://www.etiqa.com.my/life-and-family/i-double-secure-takaful", "source_detail": "Live page verified 2026-08-26: double death benefits, double TPD benefits, flexible coverage, easy payment; entry age 17 years and younger than 55 years; no medical examination required; page states pure protection product distributed without intermediaries. PDS (https://www.etiqa.com.my/pdfs/en/takaful/Product_Disclosure_Sheet_i-DoubleSecure.pdf): death/TPD in first certificate year from non-accidental event = contributions paid only; additional 100% of sum covered if death or TPD due to accident, no additional accidental benefit after certificate anniversary following 69th birthday; no TPD benefit after certificate anniversary following 64th birthday; TPD aggregate cap RM2mil across all certificates with us, instalment settlement when >RM1mil (2 instalments 12 months apart, subject to continued proof of TPD); wakalah fee RM60 per annum per certificate plus 25% of total contribution in first year and 6% thereafter; Tabarru'/Wakalah/Ju'alah/Mudarabah concepts; 15-day free look; surrender value from PRF + accumulated surplus after free-look cancellation.", "exclusions": "First certificate year: suicide while sane refunds contribution only (full sum covered thereafter); TPD/additional accidental benefits excluded for: intentional self-inflicted injury or attempted suicide while sane, criminal or illegal acts/strike/riot/terrorism/civil commotion, consumption of alcohol or non-prescribed/illegal drugs or narcotics, dangerous or hazardous sport, aviation other than regular commercial routes, physical and violent provocation, inhalation of poison/gas/fumes, radioactive contamination. List non-exhaustive.", "entry_age_min": "17 years", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "direct (page states 'This product is distributed without any intermediaries')", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-prisma", "insurer": "etiqa-family", "name": "Prisma", "shape": "standalone", "category": "life", "summary": "Prisma is a 30-year regular-contribution family takaful term plan covering death (including a RM1,000 funeral allowance) and total & permanent disability (TPD) occurring before the 64th birthday, with a maturity benefit of accumulated PRF surplus. Optional riders include Accidental Death & Dismemberment, Critical Illness, Hospital Cash and two Waiver of Contribution for Critical Illness riders.", "verified_at": "2026-08-26", "source_url": "https://www.etiqa.com.my/life-and-family/prisma-takaful", "source_detail": "Live page verified 2026-08-26: person covered aged 14 days to 60 years, participant minimum 19 years with no maximum; add-ons: Accidental Death and Dismemberment Benefits Rider, Critical Illness Rider, Waiver of Contribution for Critical Illness Rider, Hospital Cash Benefits Rider, Waiver of Contribution for Critical Illness (Payor) Rider. PDS dated 18/08/2025 (https://www.etiqa.com.my/pdfs/en/takaful/PRISMA-SAMPLE-PDS-(EV).pdf): 30-year regular contribution plan; death benefit (RM500,000 illustration + RM1,000 funeral expenses + accumulated PRF surplus), TPD (prior to 64th birthday, RM2mil aggregate cap), maturity benefit = accumulated PRF surplus; contribution duration to age 55 in illustration; wakalah fee 35.70%; partial withdrawal charge RM15; 31-day grace; 15-day free look; CI rider 28-year term illustration, 30/60-day waiting periods, 30-day survival period; accidental death & dismemberment rider (24-year term illustration, 90-day accidental claim window); TPD takes effect after 6 continuous months except presumptive TPD.", "exclusions": "Suicide while sane within 1 year from issue date or latest reinstatement date; TPD due directly or indirectly to self-inflicted injury, suicide or attempted suicide while sane, or participation in criminal or illegal act, strike, riot, terrorism or civil commotion (non-exhaustive). Critical Illness Rider exclusions: illnesses not in definition, pre-existing illnesses prior to issue/reinstatement, war/terrorism, dangerous sports, aviation, self-inflicted injuries, alcohol/drug influence, AIDS-related conditions, illegal acts.", "entry_age_min": "14 days (person covered); participant minimum age 19 years", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent (Find an Agent CTA)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-term-plus-takaful", "insurer": "etiqa-family", "name": "Etiqa Term Takaful Plus", "shape": "standalone", "category": "life", "summary": "Etiqa Term Takaful Plus is an EPF (KWSP) regular-contribution family takaful term plan offering protection until age 70 with coverage for death and Total and Permanent Disability (TPD) plus additional accidental death benefit. It offers guaranteed approval with contribution paid via direct withdrawal from the member's EPF account, and can be issued without medical examination for eligible members.", "verified_at": "2026-08-26", "source_url": "https://www.etiqa.com.my/life-and-family/etiqa-term-plus-takaful", "source_detail": "Live page verified 2026-08-26: EPF member plan; no cash payments - direct withdrawal from EPF account; guaranteed approval; coverage RM10,000-RM200,000; death & disability and more; EPF member/spouse entry 17-65 expiry 70; children entry 14 days-16 years, expiry 25 or member's expiry age whichever earlier. PDS (local copy pds-life/etiqa-family/etiqa-term-plus-pds.txt, also https://www.etiqa.com.my/download-documents/family-takaful): regular contribution plan to age 70; death benefit + accumulated PRF surplus (refund of total contributions if non-accidental death within 1 year of issue); TPD benefit (refund only if non-accidental within 1 year); accidental death additional +100% of sum covered, or additional +200% if accidental death overseas (first 90 consecutive days per trip); accidental TPD additional +100%; surrender = PRF surplus only; family package terminates if principal covered ceases; wakalah fee 25%; 31-day grace; 15-day free look; contribution rates not guaranteed (3-month notice); PIDM protected.", "exclusions": "Suicide (death due to suicide while sane within 1 year from issue date); TPD, accidental death or TPD arising from intentional self-inflicted death or injury/suicide/attempted suicide while sane, or participation in criminal or illegal act, strike, riot, terrorism or civil commotion. Non-exhaustive; full list in certificate.", "entry_age_min": "17 years (EPF member & spouse); children from 14 days", "renew_age_max": "70 (EPF member & spouse; children age 25 or when EPF member reaches expiry age, whichever earlier)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "direct (EPF i-Lindung; contributions withdrawn from EPF account)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "onemedical", "insurer": "etiqa-life", "name": "OneMedical", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/pdfs/en/insurance/Product_Disclosure_Sheet_OneMedical.pdf", "source_detail": "PDS (Etiqa Life Insurance Berhad) + official flyer Table of Benefits: Plan 1 RM50,000/R&B RM160, Plan 2 RM100,000/R&B RM280, Plan 3 RM150,000/R&B RM360; overall lifetime limit No Limit; optional deductible RM1,000 per hospitalisation (inpatient & day care surgery only) or RM0; pre-hosp 60 days (max 2 GP + 1 specialist consults), post-hosp 90 days; covers hospitalisation & surgical expenses up to age 85; PDS states 'Renewal and premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; no commission, distributed without intermediaries (online). Flyer: https://www.etiqa.com.my/pdfs/en/insurance/Flyer_OneMedical.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) during first 120 days from issue/reinstatement; participation in criminal or illegal acts, strike, riot, terrorism or civil commotion; non-exhaustive list (see policy contract)", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "no", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "ezymedical", "insurer": "etiqa-life", "name": "EzyMedical", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/pdfs/en/insurance/PDS_EzyMedical_(EV)_20250430_v1.6.pdf", "source_detail": "PDS (v1.6, 30 Apr 2025, Etiqa Life Insurance Berhad) + official e-flyer Table of Benefits: Plan 1 RM200,000/R&B RM400, Plan 2 RM350,000/R&B RM400; overall lifetime limit No Limit; deductible RM500 or RM1,000 per policy year (applies to benefits 3-17); pre-hosp 60 days (max 2 GP + 1 specialist consults), post-hosp 90 days; covers hospitalisation & surgical expenses until age 85; 'Renewal is guaranteed but premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; no commission charged (online). Flyer: https://www.etiqa.com.my/pdfs/en/insurance/EzyMedical_eFlyer_ENG.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) during first 120 days from issue/reinstatement; participation in criminal or illegal acts, strike, riot, terrorism or civil commotion; non-exhaustive list (see policy contract)", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "il-ultimate-health", "insurer": "etiqa-life", "name": "IL Ultimate Health", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/pdfs/en/insurance/PDS-IL-Ultimate-Health-(EV).pdf", "source_detail": "PDS (EV, Etiqa Life Insurance Berhad) + official e-flyer Table of Benefits: Plan 1 RM1,000,000/R&B RM150, Plan 2 RM1,500,000/R&B RM200, Plan 3 RM1,800,000/R&B RM300, Plan 4 RM2,000,000/R&B RM400; overall lifetime limit No Limit; deductible options RM500, RM20,000 or RM40,000 per policy year; pre-hosp 90 days, post-hosp 90 days; PDS Step 1: covers hospitalisation & surgical expenses until age 100 (product options table shows plan-dependent coverage term 70/80/90/100); 'Renewal is guaranteed but premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; unit-deducting rider attachable to SecurePro regular-premium ILP; agent/Life Planner channel. Flyer: https://www.etiqa.com.my/pdfs/en/insurance/Flyer-UltimateHealth-(EV).pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) during first 120 days from issue/reinstatement; participation in criminal or illegal acts, strike, riot, terrorism or civil commotion; non-exhaustive list (see policy contract)", "entry_age_min": 17, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "shield-medi-care-max", "insurer": "sunlife", "name": "Shield Medi Care Max", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/getmedia/d983164d-747b-40cb-8038-fcc1fb738573/Shield-Medi-Care-Max_sample-PDS-v1-8-web.pdf", "source_detail": "PDS sample (v1.8a, printed 22 Apr 2026, Sun Life Malaysia Assurance Berhad; sample config Plan 300) + official leaflet July 2026 Schedule of Benefits: Plan 200 RM2,000,000/R&B RM200, Plan 300 RM3,000,000/R&B RM300; overall lifetime limit No Lifetime Limit; deductible options RM500, RM10,000 or RM30,000 per policy year; pre-hosp 90 days, post-hosp 150 days; covers hospitalisation & surgical expenses until age 70; 'Renewal is guaranteed but the cost of insurance are not guaranteed'; coverage starts 30 days after benefit start date except accidents; specified illnesses first 120 days; unit-deducting rider attachable to Sun Shield Link ILP; agency channel. Leaflet: https://www.sunlifemalaysia.com/getmedia/faa0cbb6-939e-42f6-b993-461815ff3937/SLM-Shield-Medi-Care-Max-Leaflet_V2_220426_R1_.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; conditions arising within 30-day waiting period (except accidents); plastic/cosmetic surgery, Lasik; dental except accidental injury to sound natural teeth; private nursing, rest cures; illegal drugs, AIDS/HIV, venereal disease, communicable diseases requiring quarantine by law; congenital abnormalities/deformities; pregnancy/childbirth, contraception, infertility; investigatory/preventive treatment; outpatient treatment not specifically provided; suicide/self-inflicted injury; war, terrorism, riot; nuclear radiation; organ donation; sleep/snoring disorders, HRT, alternative therapy; psychotic/mental disorders; non-medical services; hazardous sports; private flying; sex change; non-exhaustive list (see policy)", "entry_age_min": "not disclosed", "renew_age_max": 70, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "fwd-takaful-majestic-plus", "insurer": "fwd-takaful", "name": "FWD Majestic+", "shape": "standalone", "category": "life", "summary": "FWD Majestic+ is a savings-oriented family takaful plan with regular contributions, annual cash payments from the 3rd certificate year, maturity fund booster and death/TPD coverage. Flexible certificate with adhoc partial withdrawal without fees and top-up options.", "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/majestic-plus/", "source_detail": "Plan options: 3pay15, 3pay20, 6pay20 or 6pay25. Benefits: Death/TPD due to natural and accidental cause, maturity benefit, maturity fund booster (up to 150% of annual base contribution), Annual Cash Payment from beginning of 3rd certificate year. Issue age: certificate owner and spouse 14 days to 65 years old. Coverage up to 75 years old. Flexible certificate: coverage/contribution term from as short as 3 years, adhoc partial withdrawal without fees at any time, adhoc top-up. PIDM protected. FWD Takaful Berhad Reg. No. 200601025368.", "exclusions": "not disclosed", "entry_age_min": "14 days (certificate owner and spouse)", "renew_age_max": "Coverage up to 75 years old", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-takaful-invest-first-education", "insurer": "fwd-takaful", "name": "FWD Invest First – Education Plan", "shape": "standalone", "category": "life", "summary": "FWD Invest First is an education-focused savings takaful available in two options with minimum monthly contributions of RM100 (Option 1) or RM200 (Option 2), covering the person covered until age 25 for education needs.", "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/savings-investment-insurance-takaful/invest-first-education/", "source_detail": "Education savings takaful. Option 1: minimum monthly contribution RM100. Option 2: minimum monthly contribution RM200. Issue age: certificate owner 17-65, person covered 1 month - 65 years. Coverage of person covered ends at 25 years old. FWD Takaful Berhad.", "exclusions": "not disclosed", "entry_age_min": "17 (certificate owner); 1 month (person covered)", "renew_age_max": "Coverage ends at age 25 (person covered)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-takaful-i-great-chinta", "insurer": "ge-takaful", "name": "i-Great Chinta", "shape": "standalone", "category": "life", "summary": "i-Great Chinta is a regular contribution term family takaful providing death and TPD coverage with lifetime protection options, suitable for family legacy and education planning. Optional coverage terms of 10 or 20 years or to maturity at ages 60, 70 or 80.", "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/family-takaful/i-great-chinta", "source_detail": "Regular contribution Term Family Takaful covering Death and TPD. Death benefit: higher of Basic Sum Covered (BSC) or Cash Value in PIA, plus Account Value in PUA/Saver if any. Additional 100% of BSC on death during Hajj/Umrah (non-accidental). Child lien applies before age 5 next birthday. Compassionate benefit RM5,000. Min BSC RM800,000. Coverage term 10/20 years or to ages 60/70/80 NB. Contributions limited-pay or full-pay. TPD per-life limit RM8mil. Free-look 15 days. PIDM protected.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage term to age 60, 70 or 80 (next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-takaful-i-great-nova", "insurer": "ge-takaful", "name": "i-Great Nova", "shape": "standalone", "category": "life", "summary": "i-Great Nova is an affordable hibah takaful plan with high coverage from RM250,000, offering death and TPD protection with optional automatic sum covered increases every 5 years up to 1000% via the i-Protection Booster Rider. Coverage term options up to age 80.", "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/family-takaful/i-great-nova", "source_detail": "Regular contribution Term Family Takaful providing Death and TPD coverage. High Sum Covered from RM250,000. Optional i-Protection Booster rider: additional sum covered upon death or TPD auto-increasing every 5 years up to 1000% of rider SC. Coverage term up to age 60, 70 or 80; contribution payment term 10/20 years or throughout. i-Saver Rider: 95% of contributions to Participant's Unit Account. Additional 100% of BSC death during Hajj/Umrah (non-accidental). Compassionate benefit RM2,000 payable upon death. PIDM protected.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage term to age 60, 70 or 80", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-takaful-i-great-majestik", "insurer": "ge-takaful", "name": "i-Great Majestik", "shape": "standalone", "category": "life", "summary": "i-Great Majestik is a long-term takaful savings plan with Maturity Booster (up to 400% of annualised basic contribution) and Investment Booster benefits, with payment terms from 3-pay/10 years to 20-pay/30 years.", "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/wealth-accumulation/i-great-majestik", "source_detail": "Long-term takaful savings plan. Coverage/Contribution terms: 10yr/3-pay (80% maturity booster), 15yr/5-pay (95%), 20yr/10-pay (300%), 25yr/10-pay (330%), 30yr/20-pay (400%). Investment Booster paid from end of 1st certificate year annually based on schedule (5% yrs1-5, 10% yrs6-10, 20% yrs11-25, 30% yrs26-30) if contributions on time. Additional Accidental Death Benefit payable (percentage of total payout). Payment term: 3pay10, 5pay15, 10pay20, 10pay25, 20pay30.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-takaful-i-great-mega-plus", "insurer": "ge-takaful", "name": "i-Great Mega Plus", "shape": "standalone", "category": "life", "summary": "i-Great Mega Plus is a next-generation investment-linked takaful solution combining elevated protection with long-term financial planning, designed for those seeking protection and wealth accumulation in one plan.", "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/wealth-accumulation/i-great-mega-plus", "source_detail": "Investment-linked takaful from GE Takaful wealth accumulation range. Next-generation investment-linked solution for elevated protection and long-term financial planning (product page description only; further benefit detail not published on page).", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-takaful-i-great-murni-2", "insurer": "ge-takaful", "name": "i-Great Murni 2.0", "shape": "standalone", "category": "life", "summary": "i-Great Murni 2.0 is an online family takaful with simplified underwriting, basic sum coverage from RM100,000 up to RM500,000 for death/TPD, a bereavement allowance of RM5,000, and entitlement to underwriting surplus and investment profit.", "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/online-takaful/i-great-murni-2", "source_detail": "Easy and hassle-free online takaful plan with simplified underwriting. Bereavement allowance RM5,000 (funeral assistance) paid from death benefit in advance. Basic Sum Coverage RM100,000 - RM500,000 for death/TPD. Underwriting surplus and investment profit entitlement payable yearly. Online exclusive (Online Takaful Plan).", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "online", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-takaful-i-great-evo", "insurer": "ge-takaful", "name": "i-Great Evo", "shape": "standalone", "category": "life", "summary": "Regular contribution term family takaful with essential protection starting from RM15,000 sum covered at monthly contribution from RM50, matures at age 25 or 80, with auto-extension up to age 80 or 100.", "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/family-takaful/i-great-evo", "source_detail": "i-Great Evo is a regular contribution Term Family Takaful plan that pays Basic Sum Covered upon Death and TPD, plus Compassionate Benefit RM2,000 upon death. Matures at age 25 or 80 ANB. Auto-extension of coverage after maturity up to 80 or 100 (new contributions required). Contributions payable until end of coverage term or death/TPD. PIDM protected.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Auto-extension after maturity up to age 80 or 100", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-takaful-i-great-inspirasi", "insurer": "ge-takaful", "name": "i-Great Inspirasi", "shape": "standalone", "category": "life", "summary": "Regular contribution family takaful term plan maturing up to age 85 covering infectious diseases (incl. dengue) with accidental death benefit up to 4x sum covered, infectious disease benefit RM5,000, and 100% additional on specified mosquito-borne diseases.", "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/family-takaful/i-great-inspirasi", "source_detail": "i-Great Inspirasi is a regular contribution Family Takaful Term Plan maturing up to age 85 ANB. Infectious disease protection incl. dengue. Accidental Death Benefit up to 4x Sum Covered. Infectious Disease Benefit RM5,000 payable from Tabarru Fund for Dengue Hemorrhagic Fever, Malaria, Yellow Fever, MERS-COV. Additional 100% of Basic Sum Covered on death from specified mosquito-borne diseases (dengue, chikungunya, Japanese encephalitis, Zika). Waiting period 90 days. Step-up contributions based on attained age.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Matures up to age 85 (next birthday)", "waiting_general_days": null, "waiting_specified_days": 90, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "multi-medic", "insurer": "generali", "name": "Multi Medic", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://cdn.prod.website-files.com/63a28ca20a748d597081715c/6a19730eca24e8ec3a1ad06a_Multi%20Medic%20Brochure%20(EN)%20012026.pdf", "source_detail": "Multi Medic Brochure (EN) 01/2026 benefits table: 6 plans (Base 1-3, Prime 1-3); OAL RM110k-1.1m; R&B RM165-3,300/day unlimited days; deductible per disability (Part A only) 3 options per plan; entry 30 days-65 yrs, renewable to 100; waiting 30 days; no lifetime limit; TCM 20% co-payment; optional riders EMER/HCI/OPI/DI/CI/PA. PDS 03/2026 confirms annual limit RM110k-RM1.1m, R&B RM165-RM3,300/day, lifetime limit not applicable, coverage starts 30 days after effective date. Premium & Commission Table w.e.f 01-06-2026.", "exclusions": "Pre-existing conditions; any medical/physical conditions arising within first 30 days of cover or reinstatement (except accidental injuries); suicide/self-inflicted injury; congenital abnormalities/hereditary conditions; pregnancy/childbirth; psychotic/mental/nervous disorders; hospitalisation for investigation or non-medically necessary treatment; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "onemedic-plus", "insurer": "generali", "name": "OneMedic Plus", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://cdn.prod.website-files.com/63a28ca20a748d597081715c/6972c2c0913b05046ee7eed6_PDS_OneMedic%20Plus_Ver1.0_Eng_Corporate%20Website%20Version.pdf", "source_detail": "OneMedic Plus PDS V01/01-2026 (issued by Generali Life Insurance Malaysia Berhad; unit-deducting rider on Wealth Protect Assure 2): 4 plans Lite 1/2, Elite 1/2; annual limits RM250k/500k/1.5m/2.5m; R&B RM150/day max 150 days (Lite 1&2, merged cell), RM250/day (Elite 1), RM300/day (Elite 2) no day limit; no lifetime limit; co-insurance 5% min RM500 max RM1,000 (Lite)/RM2,000 (Elite) per policy year or deductible RM5,000/RM10,000 per policy year; waiting 30 days general/120 days specified; pre-hosp 90 days, post-hosp 210 days; Inflation Defender +10% every 5 policy years (Elite only); insurance charges deducted monthly from account value (AIC table ages 0-99, renewal 71-99).", "exclusions": "Pre-existing illnesses; specified illnesses (hypertension, diabetes mellitus, cardiovascular disease, growths/tumours/cancers, ENT diseases, hernias/haemorrhoids, reproductive system diseases, spine/knee disorders) within 120-day waiting period; conditions within 30 days except accidents; quarantine-required diseases (except COVID-19); pregnancy/childbirth; congenital conditions; cosmetic/plastic surgery; dental except accidental; mental disorders; hazardous sports; non-exhaustive list (see supplementary contract)", "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "amp-med-xpnse", "insurer": "ammetlife", "name": "AMP MED XPNSE", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/health/amp-med-xpnse/MED-XPNSE-Product-Fact-Sheet-v10-20112026.pdf", "source_detail": "AMP MED XPNSE Product Fact Sheet v1.0 (20/11/2026) + PDS (ENG): single yearly-renewable traditional standalone plan; OAL RM90k (PY1-2)/RM100k (PY3+); no lifetime limit; R&B RM150/day; deductible RM500 or RM2,500 per policy year; pay-first-claim-later or cashless payment facility; entry 15 days (attained) to 55 yrs (next birthday); conditionally renewable to 100 next birthday subject to portfolio withdrawal; waiting 30 days (accident immediate); pre-hosp 60 days, post-hosp 90 days; commission-free, sold via AmMetLife branches; premium rates not guaranteed (30 days notice).", "exclusions": "Pre-existing illness; specified illnesses as defined in policy contract; conditions arising within waiting period except injury; plastic/cosmetic surgery, circumcision, Lasik, external prosthetic appliances; dental except accidental injury to sound natural teeth; pregnancy/childbirth; congenital conditions; mental/nervous disorders; non-medically necessary treatment; hazardous sports; treatment outside Malaysia (except Singapore & Brunei) if residing/travelling abroad over 90 consecutive days; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": "n/a", "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "no", "channel": "not disclosed", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "allianz-everlink-signature", "insurer": "allianz", "name": "Allianz EverLink Signature", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/everlink-signature.html", "source_detail": "EverLinkSignature-PDS_ENG.pdf (published 26 Dec 2025) + product page (fetched 5 Aug 2026): non-participating regular-premium investment-linked plan; death/TPD = higher of Insured Amount or 100% Account Value; TPD only before age 71, max aggregate SA RM8m; Maturity Benefit 100% of AV; Loyalty Bonus 18% of insured amount at end of 30th policy year or age 64 (whichever later); automatic renewal to age 100 nearest birthday without further underwriting; Conditional In Force Guarantee first 6 policy years; Monthly Service Charge RM8/mo; premium payment term up to age 35 (illustration); free-look 15 days; page lists SecureCover (Term) and PayorCover among attachable riders; sold via Allianz Life Agents.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "allianz-everlink-plus", "insurer": "allianz", "name": "Allianz EverLink Plus", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/everlink-plus.html", "source_detail": "EverLink Plus product page (fetched 2026-08-24): regular-premium investment-linked plan; payout of insured amount and 100% of account value on death/TPD; headline coverage RM500,000 with monthly premium from RM125; flexible coverage terms from 20 years up to age 100; automatic renewal to age 100 without further underwriting; TPD until age 71, max aggregated insured amount RM8,000,000 per life; attachable riders incl. SecureCover (Term), Premier HealthCover, Premier PA Plus, PayorCover; sold via Allianz Life Agents.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "allianz-ultimatelink", "insurer": "allianz", "name": "Allianz UltimateLink", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/allianz-ultimatelink.html", "source_detail": "UltimateLink-PDS_ENG.pdf (26 Dec 2025) + product page: non-participating investment-linked plan; death/TPD benefit = Insured Amount + 100% Account Value; TPD before age 71, max aggregated insured amount RM8m; Maturity Benefit 100% of Account Value; auto-renewal to age 100 with account value carried forward; Conditional In Force Guarantee first 6 policy years; premium payment term up to age 59 (illustration RM149/month); monthly service charge RM8; fund mgmt charge 0.75%-1.50% p.a.; withdrawal/surrender penalty 20% in policy years 1-2; page: wide range of mix-and-match optional benefits; sold via Allianz Life Agents.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "allianz-securecover-term", "insurer": "allianz", "name": "Allianz SecureCover (Term)", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/savings-investments-and-waivers/allianz-securecover-plus.html", "source_detail": "SecureCoverTerm-PDS_ENG.pdf (30 Dec 2025) + SecureCover product page: unit-deducting rider on an ILP basic plan; death/TPD/CI pays modal premiums to purchase units; COI charged monthly from unit value, not guaranteed; 6-month continuous TPD eligibility; page states it protects child's premium when payor is critically ill or dies; ETPD rider attachable at no extra premium and terminates if the rider is terminated; distributed via Allianz Life Agents.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "allianz-wealthcover-term", "insurer": "allianz", "name": "Allianz WealthCover (Term)", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/savings-investments-and-waivers/wealthcover.html", "source_detail": "WealthCoverTerm-PDS_ENG.pdf (30 Dec 2025): top-up rider on a regular-premium investment-linked basic plan; regular premium payments credited to Account Value; 95% of annual premium allocated to units; illustration RM41,666.67 monthly; commission 3.75% of annual premium; free-look 15 days; surrender anytime during premium payment period. Attachable to plans like EverLink Signature (listed in its Downloads tab).", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "allianz-wealthcover", "insurer": "allianz", "name": "Allianz WealthCover", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/savings-investments-and-waivers/wealthcover.html", "source_detail": "WealthCover product page (fetched 2026-08-24): savings/investment top-up attachable to an Allianz Powerlink policy; 95% of payments allocated to units; payments from RM20/month; attachment with no additional charge; distributed via Allianz Life Agents.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "allianz-a-z-protect", "insurer": "allianz", "name": "A-Z Protect", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/azprotect.html", "source_detail": "AZPT01-PDS_ENG.pdf (2 Jan 2026) + A-Z Protect page: yearly renewable non-participating individual life plan (Perlindungan Tenang product) covering death, TPD, accidental death/TPD, death from dengue/COVID-19, hospital cash for accident/dengue/COVID-19 hospitalisation; Plan 1 entry 18-40 (RM8,000), Plan 2 entry 41-50 (RM5,000), Plan 3 entry 51-60 (RM3,000); annual premium RM80 (Plan 1, ages 18-40) to RM360 (renewal 61-70); renewal premiums NOT guaranteed and may be revised with 3 months' notice; no cash value on surrender; page: guaranteed issuance, no health declaration; Perlindungan Tenang voucher eligible.", "exclusions": null, "entry_age_min": 18, "renew_age_max": 70, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "no", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "allianz-powershield", "insurer": "allianz", "name": "PowerShield", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/power-shield.html", "source_detail": "PowerShield-PDS_ENG.pdf (26 Dec 2025) + product page: non-participating term insurance covering death and TPD (TPD before age 65, max RM8m per life); illustration RM500,000 death/TPD at RM387/month, coverage to age 80; premium payment term up to age 79; commission 3.42%; 31-day grace; cash value may accrue after 3 full years if term is 20+ years; page: flexible coverage term from 5 years up to age 80; option to convert to a permanent plan without further underwriting.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "allianz-moneyback", "insurer": "allianz", "name": "Allianz MoneyBack", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/allianz-moneyback.html", "source_detail": "MoneyBack-PDS_ENG.pdf (26 Dec 2025) + product page: limited-pay non-participating endowment; 6-year premium payment term for 15-year coverage (illustration RM810/month, RM300,000 SA, coverage to age 45); death non-accidental 100% total premiums (yrs 1-2) then 100% SA; accidental death 200% of SA (yrs 3+, prior to age 71); maturity benefit 100% of total premiums paid (if no claim paid); page: only 1 health question, short commitment, large-sum discount; sold via Allianz Life Agents.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "allianz-i-essentialcover", "insurer": "allianz", "name": "Allianz i-EssentialCover", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/allianz-i-essentialcover.html", "source_detail": "iEssentialCover-PDS_ENG.pdf (11 Feb 2026, incl. Premium Information Sheet) + product page: pure 10-year protection plan, no savings/investment element; death/TPD with plans RM200,000/RM300,000/RM500,000; entry ages 18-55 (premium table); premium payment term 10 years, level and guaranteed; TPD payable after 6 consecutive months of total disablement; only 1 policy per life; no fees or commission; product page: online-exclusive product, guaranteed yearly premium, coverage up to RM500,000.", "exclusions": null, "entry_age_min": 18, "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "direct", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "allianz-legacy-plus", "insurer": "allianz", "name": "Allianz Legacy Plus", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/legacyplus.html", "source_detail": "Allianz Legacy Plus product page (fetched 2026-08-24): savings/legacy plan with Guaranteed Maturity Benefit, Conditional No Lapse Guarantee throughout coverage term, Increasing Insured Amount against inflation, Loyalty Bonus, and high non-medical limit up to RM4,000,000; LegacyPlus-PDS_ENG.pdf downloadable from the page (not read); sold via Allianz Life Agents.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ammetlife-protectease", "insurer": "ammetlife", "name": "ProtectEase", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/pds-08Dec2025/ProtectEase-PDS-ENG.pdf", "source_detail": "ProtectEase PDS (ENG) + 0424 brochure: traditional non-participating regular premium WHOLE LIFE plan (Guaranteed Issuance Offer, no medical/financial underwriting) with Death, TPD, ADB and Maturity Benefit (200% of Total Premium Paid); PDS illustration RM500,000 SA at RM15,400/yr for age 30 NB male non-smoker; premium payment term 20 years or full pay up to age 100; coverage to age 100; entry age 17-70 next birthday (brochure FAQ); min SA RM25,000 / max SA RM500,000; TPD max RM8,000,000 combined; ADB max RM3,000,000; reduced cover for non-accidental cause before policy year 6; premium guaranteed and fixed; agency product; optional CriticalEase rider (38 CIs, GIO).", "exclusions": null, "entry_age_min": 17, "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (whole life to age 100)", "channel": "agency", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ammetlife-protectplus", "insurer": "ammetlife", "name": "ProtectPlus", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/pds-08Dec2025/ProtectPlus-PDS-ENG.pdf", "source_detail": "ProtectPlus PDS (ENG) + 0424 brochure: traditional non-participating regular premium TERM plan with Guaranteed Cash Payment; Death + TPD benefit, ADB (100%/200% of SA on public conveyance), GCP 0-55% of Basic Annual Premium yearly from end of 4th policy year (by entry age band); premium payment and coverage term to age 70 (PDS); entry age 30 days to 45 NB (brochure FAQ); 6 plan types monthly premium RM150-RM1,000 mapping to SA RM150,000-RM1,000,000; TPD max RM8,000,000 combined; ADB max RM8,000,000; reduced cover for children under age 3; GCP only for entry age 1-40; premium guaranteed and fixed; agency product.", "exclusions": null, "entry_age_min": 0, "renew_age_max": 70, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "no (term to age 70; no renewal)", "channel": "agency", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ammetlife-amp-life-byond", "insurer": "ammetlife", "name": "AMP LIFE BYOND", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/pds-08Dec2025/AMP-LIFE-BYOND-PDS-ENG.pdf", "source_detail": "AMP LIFE BYOND PDS (ENG) + Product Fact Sheet 03/2026: traditional non-participating regular premium TERM plan providing 20 years of coverage; Death + TPD benefit (TPD max RM2,000,000 combined); premium payment term 20 years; entry age 30 days (attained) to 60 (NB) per PFS; min sum assured RM100,000 (PFS); no riders attachable (PDS); reduced cover for children under 3; premium guaranteed and fixed; PFS illustrative premium RM297-963/yr for RM100,000 SA (ages 25-45); no surrender value; product page and PDS cite ammetlife.com.", "exclusions": null, "entry_age_min": 0, "renew_age_max": "n/a", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "no (fixed 20-year term)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ammetlife-flexi-termlife", "insurer": "ammetlife", "name": "Flexi TermLife", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/pds-08Dec2025/FlexiTermLife-PDS-ENG.pdf", "source_detail": "Flexi TermLife PDS (ENG) + 0424 brochure: traditional non-participating limited premium payment TERM life plan; Death or TPD benefit; premium payment term 5 or 10 years for 20-year coverage; entry age 30 days to 59 (NB) (brochure FAQ); min SA RM50,000, max subject to underwriting; optional riders: Income Rider, Maturity Rider, Payor Benefit Rider, Triennial Income Rider; TPD max RM8,000,000 combined; reduced cover for death/TPD before age 3; premium guaranteed and fixed; agent product.", "exclusions": null, "entry_age_min": 0, "renew_age_max": "n/a", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "no (fixed 20-year term)", "channel": "agency", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ammetlife-protectsecure", "insurer": "ammetlife", "name": "ProtectSecure", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/pds-08Dec2025/ProtectSecure-PDS-ENG.pdf", "source_detail": "ProtectSecure PDS (ENG) + 08/2025 brochure: regular premium INVESTMENT-LINKED plan combining protection and investment; Death Benefit (SA + Account Value), TPD, Critical Illness Benefit (39 CIs), Maturity (Account Value); entry from 30 days to max entry age by coverage term - 50 NB for term to 70, 60 NB for term to 80, 70 NB for term to 100 (brochure FAQ); premium payment term = coverage term; min annual premium RM2,100; 6-year No Lapse Guarantee; optional riders incl. CI39, Multi CI Shield, Deferred Disability Income, Dread Disease Waiver of Premium, Hospitalisation, Payor Comprehensive WOP; switching fee RM50 after 2 free; surrender RM100 or 10% of AV; bancassurance product.", "exclusions": null, "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "bancassurance", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-ezy-secure", "insurer": "etiqa-life", "name": "Ezy-Secure", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/life-and-family/ezy-secure-insurance", "source_detail": "life-src/etiqa/ezy-secure-insurance.html (Next.js client shell; metadata title 'Ezy-Secure Insurance: Term Life Insurance Plan Malaysia' + canonical URL only) + pds-life/etiqa/ezy-secure-pds.txt (PDS dated 24 Dec 2025): regular premium term plan, 37-year protection, covers death and TPD; illustration RM48.84/month for RM500,000 death + RM500,000 TPD (TPD payable only if occurs prior to 65th birthday); premium duration to age 67 in illustration; suicide exclusion 1 year; TPD excluded for self-inflicted injury, criminal/illegal acts, riot, terrorism; 31-day grace; 15-day free look; no surrender value; no CI/waiver benefits stated", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "direct (Total Commission: Not applicable in PDS)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-ezy-life-secure", "insurer": "etiqa-life", "name": "Ezy-Life Secure", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/life-and-family/ezy-life-secure-insurance", "source_detail": "life-src/etiqa/ezy-life-secure-insurance.html (Next.js client shell; metadata only) + pds-life/etiqa/ezy-life-secure-pds.txt: non-participating regular premium term insurance, premium payment term up to selected cover period; death = basic sum insured lump sum (refund of total premium only if death in first policy year due to non-accidental cause); TPD = sum insured if TPD before 64th birthday (refund only if first policy year, non-accidental); TPD must be uninterrupted 6 months (presumptive TPD: 2 limbs amputation, both eyes sight loss, 1 limb + 1 eye); TPD cap RM2m across all Etiqa policies, RM1m+ paid in 2 instalments; surrender value only after 24 months in force; suicide exclusion 1 year; 31-day grace; 15-day free look", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-etiqa-term-plus", "insurer": "etiqa-life", "name": "Etiqa Term Plus", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/life-and-family/etiqa-term-plus-insurance", "source_detail": "life-src/etiqa/etiqa-term-plus-insurance.html (Next.js client shell; page metadata: 'Etiqa Term Plus: KWSP and EPF Life Insurance - life insurance for KWSP members with guaranteed approval, accidents and disability, direct withdrawal from EPF account') + pds-life/etiqa/etiqa-term-plus-pds.txt: regular premium term life to age 70 covering death + TPD (refund of premiums if death/TPD from non-accidental cause within 1 year of issue); accidental death +100% of sum insured (additional 200% if accidental death overseas, first 90 consecutive days per trip); accidental TPD +100%; family package option; suicide exclusion 1 year; premium varies by attained age (age next birthday), rates non-guaranteed with 3-month notice; 31-day grace; 15-day free look; no surrender value", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 70, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed (premium rates not guaranteed; revisable with 3 months notice)", "channel": "direct (Total Commission: Not applicable; KWSP/EPF member plan, guaranteed approval per page metadata)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-aspire", "insurer": "etiqa-life", "name": "Aspire", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/savings/aspire-insurance", "source_detail": "life-src/etiqa/aspire-insurance.html (Next.js client shell; metadata only) + pds-life/etiqa/aspire-pds.txt (PDS dated 26/09/2025): participating 30-year endowment; death/TPD = RM400,000 + attaching bonuses + accumulated Guaranteed Interim Cash Payments (GICP); GICP 30%/30%/40% of sum insured payable at end of last 3 policy years before maturity (accumulate with interest if left); Academic Excellence Award RM1,500 (SPM 8As+) / RM2,000 (STPM 5 Principals As); maturity benefit RM200,000 + bonuses + accumulated GICP (annualised return of guaranteed benefits -5.07%); participating fund: simple reversionary + terminal bonuses; TPD RM2m cap; suicide exclusion 1 year; 31-day grace; automatic premium loan; 15-day free look; illustration RM46,456/yr paid to age 21", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (endowment)", "channel": "agent (Total Commission 8.55% of premium or RM79,439.76 in PDS)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-maxiw3alth", "insurer": "etiqa-life", "name": "MaxiW3alth", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/savings/maxiw3alth", "source_detail": "life-src/etiqa/maxiw3alth.html (Next.js client shell; metadata only) + pds-life/etiqa/maxiw3alth-pds.txt (PDS dated 18/08/2025): 79-year protection to age 80; death/TPD = highest of RM500,000, total premiums received (less GCP/retirement celebration paid) or surrender value; TPD before 69th birthday, RM8m cap; Guaranteed Cash Payment yearly from end of 1st policy year 5% of sum insured, 10% from policy year of age 61; Retirement Celebration Benefit RM250,000 lump sum at policy year of age 60; maturity RM500,000 lump sum at age 80; guaranteed benefit annualised return 2.50%; 31-day grace; automatic premium loan; 15-day free look", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (endowment)", "channel": "agent (Total Commission 8.55% of premium or RM102,087.00 in PDS)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-flexipro", "insurer": "etiqa-life", "name": "FlexiPro", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/investment-linked/flexipro-insurance", "source_detail": "life-src/etiqa/flexipro-insurance.html (Next.js client shell; metadata only) + pds-life/etiqa/flexipro-pds.txt (PDS dated 20/11/2025): single premium investment-linked plan covering death and TPD; death/TPD = highest of (RM500,000 + top-ups less withdrawals x initial multiplier), account value at next valuation, or RM5,000; TPD before 69th birthday (excess over account value capped RM2m); maturity/surrender = account value; single premium illustration RM400,000, 95% allocated to units; fund management fee 1.25-1.50% NAV; unlimited free switching; suicide (1 yr) and AIDS/HIV exclusion; 31-day grace; 15-day free look", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent (Total Commission 3.75% of premium or RM15,000 in PDS)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-maxipro", "insurer": "etiqa-life", "name": "MaxiPro", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/investment-linked/maxipro-insurance", "source_detail": "life-src/etiqa/maxipro-insurance.html (Next.js client shell; metadata only) + pds-life/etiqa/maxipro-pds.txt (PDS dated 26/09/2025): regular premium ILP with limited premium paying term, death + TPD; death/TPD = higher of RM500,000 or account value; TPD before 69th birthday, RM8m cap; maturity/surrender = account value (less surrender charges 20% of annual premium yrs 1-2); illustration RM2,940/yr to age 38, coverage to age 55, 89% first-year allocation; admin RM18 first 12 months then RM7/month; insurance charge deducted monthly; surrender on guaranteed-acceptance policy limited to unallocated premiums + account value if non-accidental death/TPD within 2 years; min sum insured RM5,000; 31-day grace; 15-day free look", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent (Total Commission 5.92% of total premium in PDS)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-sun-protect-term", "insurer": "sunlife", "name": "Sun Protect Term", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sun-protect-term/", "source_detail": "life-src/sunlife/sun-protect-term.html: term plan covering death, TPD and terminal illness; choice of 5-year or 20-year renewable term; guaranteed renewability to age 80 regardless of health condition; premium from as low as RM0.34/day; large size discount for sum assured RM250,000+; advisor channel (page contact form)", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes (renews every 5 or 20 years regardless of health condition, continuous coverage to age 80)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-sun-essential-life", "insurer": "sunlife", "name": "Sun eSsential Life", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sun-essential-life/", "source_detail": "life-src/sunlife/sun-essential-life.html: yearly renewable non-pertinent term plan with coverage up to age 80; lump sum on death/TPD due to all causes; additional 100% of basic sum assured on death/TPD due to specified infectious diseases (Dengue Fever, Chikungunya Fever, Malaria, Japanese Encephalitis, Avian Influenza, Zika Virus Infection); up to RM500,000 sum assured; no medical check-up - simple health declaration only", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes (yearly renewable up to age 80)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-sun-wealth-plus", "insurer": "sunlife", "name": "Sun Wealth Plus", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sun-wealth-plus/", "source_detail": "life-src/sunlife/sun-wealth-plus.html: non-participating universal-life savings plan with increasing guaranteed annual cash payments; 2 plan options (5 Pay 15 Term, 8 Pay 20 Term); guaranteed acceptance - no underwriting or medical check-up (except foreigners); Guaranteed Survival Benefit paid yearly from end of 1st policy year to maturity; maturity benefit = higher of universal account value or 350% of AP (5 Pay 15) / 580% of AP (8 Pay 20) plus accumulation account less indebtedness; death/TPD = higher of total basic premium paid (excl. top-up) or 105% of universal account value plus accumulation account; TPD expires at age 70; non-accidental death/TPD within first 24 months pays 100% of premiums (incl. top-up) less GSB or universal account value; optional Term Life Rider boosts death/TPD up to RM300,000", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 70, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (endowment)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-sun-signature-life-plus", "insurer": "sunlife", "name": "Sun Signature Life Plus", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sun-signature-life-plus/", "source_detail": "life-src/sunlife/sun-signature-life-plus.html: non-participating universal life plan; up to RM2m non-medical limit (no medical check-up); sum assured from RM500,000, increases 10% of BSA at end of every 2 policy years up to 2x BSA by end of 20th policy anniversary; death/TPD pays higher of BSA + increasing sum assured or universal account value less indebtedness; guaranteed health check-up allowance RM1,500 every 2 policy years (payable even if account value insufficient); guaranteed loyalty bonus 0.5% BSA at 5th policy year and 1.5% at 10th; maturity at age 80 pays universal account value; Conditional No Lapse Guarantee if premiums paid within grace period", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-sunlink-max", "insurer": "sunlife", "name": "SunLink Max", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sunlink-max/", "source_detail": "life-src/sunlife/sunlink-max.html: full premium allocation (basic and top-up) into investment-linked funds; death/TPD benefit = sum assured or account value; 6 optional riders (medical, CI, accident, disability); 12 professionally managed investment-linked funds; discount on basic COI for higher sum assured; policy term options to age 70/80/99 or 30 years; extension of insurance coverage to age 99 (no underwriting, additional premiums) for terms up to age 70/80/30; maturity benefit (age 99 term only) = sum assured + total account value", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 99, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes (insurance coverage automatically extended to age 99 on expiry, subject to additional premiums, no underwriting)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-sun-fortune", "insurer": "sunlife", "name": "Sun Fortune", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sun-fortune/", "source_detail": "life-src/sunlife/sun-fortune.html: investment-linked plan; short premium commitment 3 or 5 years; covers death/TPD; choice of investment-linked funds; Loyalty Booster allocates up to 500% of current annualised basic premium into protection account (150%/150%/200% at end of policy year 20, 150%/300% at year 30 depending on plan); maturity benefit = total account value; guaranteed acceptance no medical underwriting", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-sun-saver-max", "insurer": "sunlife", "name": "Sun Saver Max", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sun-saver-max/", "source_detail": "life-src/sunlife/sun-saver-max.html: short-term savings insurance plan, 2-year premium/policy term; no underwriting or medical check-up up to RM500,000 annualised basic premium; death/TPD = 110% of total premiums paid (entry age 0-50) or 103% (51-70); Guaranteed Cash Payouts 2% of total premiums paid at end of each policy year; maturity benefit 100% of total premiums paid plus final GCP; PowerPay Bonus Campaign adds 2.2% of premiums paid when paired with participating bancassurance product", "exclusions": null, "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (endowment)", "channel": "not disclosed (bancassurance campaign referenced)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-enrich-life", "insurer": "fwd", "name": "FWD Enrich Life", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/fwd-enrich-life/", "source_detail": "Read enrich.html (canonical /life-insurance-takaful/fwd-enrich-life/) + pds/enrich.txt: regular-premium investment-linked plan; Wealth Bonus 8% of initial BSA credited at end of 20th policy year then 4% every 10 years; LifeStage Protection Booster +20% BSA; Retirement Age Option reduces BSA by 50% at chosen retirement age; LifeLegacy Payout Option (lump sum or yearly instalments over 5/10 years); premium payment 5/10/20 years or full coverage term; no-lapse guarantee first 5 policy years; renewal option to age 100; Monthly Service Charge RM8; page hero-block internal URL is /savings-investment-insurance-takaful/fwd-wealthlink-pro/ (WealthLink Pro content now renders on this page).", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-gosecure", "insurer": "fwd", "name": "GoSecure", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/gosecure/", "source_detail": "Read pds/gosecure.txt + gosecure.html/txt: regular level premium non-participating term plan; Death Benefit; accelerated TPD Benefit expiring when life assured turns 70; Surrender Benefit; premium level and guaranteed throughout premium term; 31-day grace period; 15-day free-look; page covers GoSecure & GoSecure+ with fixed terms 5-35 years or up to age 70/75/80 and flexible premium payment terms; page states CI Benefit is GoSecure+ only.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not applicable (term plan; coverage ends at chosen policy term up to age 80)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-gosecure-plus", "insurer": "fwd", "name": "GoSecure+", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/gosecure/", "source_detail": "Read pds/gosecure-plus.txt + gosecure.html/txt: regular level premium non-participating term plan; adds accelerated Critical Illness benefit on any of 45 CIs (max RM3m per life; angioplasty 10% of BSA up to RM25k); TPD benefit expires at age 70; premium guaranteed and level; 31-day grace; 15-day free-look; page = GoSecure & GoSecure+ with terms 5-35 years or up to 70/75/80.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not applicable (term plan; coverage ends at chosen policy age up to 80)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-legacyguard", "insurer": "fwd", "name": "FWD LegacyGuard", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/savings-investment-insurance-takaful/fwd-legacyguard/", "source_detail": "Read pds/legacyguard.txt (FWD LegacyGuard PDS) + legacyguard.html/txt: long-term legacy plan; GLCP grows 10% every 5 years until maturity; GLCP payable annually from end of 21st policy year (first life assured alive at end of 20th); First Year Celebration Bonus 10% of Annual Basic Premium; Guaranteed Acceptance with no medical check-up / health questions (full underwriting may apply if waiver riders added); automatic policy ownership transfer on child turning 21 or owner's death; page also hosts LegacyGuard+ PDS (sibling adds annual GCP) - LegacyGuard+ not rowed separately.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not applicable (policy term up to age 128 of first life assured)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not applicable", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-max-wealth", "insurer": "fwd", "name": "FWD Max Wealth", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/savings-investment-insurance-takaful/fwd-max-wealth/", "source_detail": "Read pds/max-wealth.txt + max-wealth.html/txt: pay premium 3/6/9 years or full term for up to 30 years of protection; Guaranteed Cash Payments (GCP) from end of 3rd policy year increasing by 3% of BSA every 3 years; Maturity Benefit 130% of BSA; Celebrate Living Maturity Booster RM15,000 per life event up to 3 events; Additional Accidental Death 100% of BSA up to age 75 (max RM2m); 15-day free-look, 31-day grace; page: up to RM500,000 protection with a few simple health questions.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not applicable (term-limited plan up to 30 years)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not applicable", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-wealthlink", "insurer": "fwd", "name": "FWD WealthLink", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/fwd-wealthlink/", "source_detail": "Read pds/wealthlink.txt + wealthlink.txt/html (canonical /life-insurance-takaful/fwd-wealthlink/): investment-linked plan; Smart Protection +10% every 5 years up to 5x; Death/TPD = BSA + Investment Account Value; Maturity Benefit = Investment Account Value; guaranteed not to lapse first 5 policy years; renewal to age 100; Monthly Service Charge RM8; page shows entry-age premium bands 14 days-15 yrs and 16-70 yrs (amounts withheld as premium data); 15-day free-look.", "exclusions": null, "entry_age_min": "14 days", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-guaranteed-income-booster", "insurer": "fwd", "name": "FWD Guaranteed Income Booster", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/savings-investment-insurance-takaful/fwd-guaranteed-income-booster/", "source_detail": "Read guaranteed-income-booster.html/txt: savings & investment rider with GCP of 2.5% of rider sum assured yearly from inception until rider matures; 100% of rider SA paid at maturity; on death/TPD higher of 105% of rider premiums paid minus total GCP paid or rider cash value; brochure PDF linked; sold via agents (enquiry form).", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not applicable", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-life-first", "insurer": "fwd", "name": "FWD Life First", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/fwd-life-first/", "source_detail": "Read lifefirst.txt + lifefirst.html (canonical /life-insurance-takaful/fwd-life-first/): ordinary family takaful plan of FWD Takaful Berhad (Shariah concepts Wakalah/Tabarru'/Ju'alah/Qard) with regular level contributions; entry 30 days to 70 ANB (min 10-yr term, max expiry 70/80/100 ANB); PSA savings element, profits allocated up to 70%; Badal Hajj support (RM2,000 lump sum for non-Muslims); grief counselling & legal advice reimbursement up to RM2,000 each; 15-day free-look; 90/30-day waiting for infectious/mosquito-borne disease benefits; PDS + Contribution Rebate Campaign T&C linked; takaful: true.", "exclusions": null, "entry_age_min": "30 days", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-family-first", "insurer": "fwd", "name": "FWD Family First", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/family-first/", "source_detail": "Read family-first.txt (family-first.html canonical /life-insurance-takaful/family-first/): family takaful CI plan (FWD Takaful Berhad) covering 56 illnesses incl. children-specific, up to six family members on one certificate; exclusions simplified to 3 (suicide/self-inflicted within 1 year, unlawful acts, war); entry owner+spouse 17-60, children 1 month-20; expiry owner/spouse 75, children 25; sold via financial advisors (PDS & Benefit Illustration from advisor); takaful: true.", "exclusions": null, "entry_age_min": "Certificate owner & spouse 17; children 1 month", "renew_age_max": "not disclosed (owner & spouse cover to 75; children to 25)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-future-first", "insurer": "fwd", "name": "FWD Future First", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/future-first/", "source_detail": "Read future-first.txt + future-first.html: takaful plan covering death, terminal illness, TPD plus emotional & practical support (grief counselling, legal advice reimbursement); certificate owner 17-60, person covered 1 month-60; expiry owner 75, person 80; spouse eligible for new certificate with RM100,000 coverage for 2 years without underwriting; FWD Takaful Berhad; takaful: true.", "exclusions": null, "entry_age_min": "Certificate owner 17; person covered 1 month", "renew_age_max": "not disclosed (owner expiry 75; person covered expiry 80)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-hayaat", "insurer": "fwd-takaful", "name": "FWD Hayaat", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/hayaat/", "source_detail": "Read hayaat.html/txt: lifelong protection takaful (FWD Takaful Berhad); GCI 10% of sum covered annually for 5 years on old-age-related illness (e.g. Alzheimer's, dementia); GCD 10% annually for 5 years on old-age disablement; Waiver of Contribution once GCI/GCD payments begin; Home Care Assistance up to RM10,000; Support & Relief Package (emotional care & legal aid RM5,000, compassionate care RM5,000); 3 exclusions; attachable CI rider (36+ conditions) and CI Waiver rider; takaful: true.", "exclusions": null, "entry_age_min": "Certificate owner 17; person covered 1 month", "renew_age_max": "not disclosed (owner expiry 75; person covered to 100)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-majestic", "insurer": "fwd", "name": "FWD Majestic", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/majestic/", "source_detail": "Read majestic.txt + majestic.html: investment-linked takaful (FWD Takaful Berhad) with triple sum covered on accidental death/TPD; Annual Cash Payment (not guaranteed, from 3rd certificate year) with reinvestment option; compassionate benefit RM7,000; charity benefit RM3,000 donated to selected charity; ad-hoc partial withdrawal without fees, top-ups, free fund switches; Death/TPD pays 100% sum covered + PIF value (UDR variant keeps base plan in force on TPD); certificate owner entry 17, person covered to 60 (expiry to 80); takaful: true.", "exclusions": null, "entry_age_min": "Certificate owner 17", "renew_age_max": "not disclosed (person covered up to 80)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-kasih", "insurer": "fwd-takaful", "name": "FWD Kasih", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/", "source_detail": "Read kasih.html (static shell with __NEXT_DATA__ application copy; txt/kasih.txt is empty): FWD Kasih family protection under Perlindungan Tenang (group yearly-renewable term; BSN/LIAM/ISM consent strings present); death/TPD with extra accidental death (public conveyance / outside Malaysia); daily hospitalisation cash allowance (accident cause; non-accident cause; extra for ICU); no death benefit if natural death/TPD within first 30 days of certificate; 15-day free-look; e-certificate issued online; takaful: true.", "exclusions": null, "entry_age_min": "not disclosed (age band enforced in online application flow)", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "no", "channel": "direct", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-life-takaful-cashback", "insurer": "fwd-takaful", "name": "FWD Life Takaful (Cashback Add-On Rider)", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/", "source_detail": "Read life-takaful-cashback.html (static shell; product copy in embedded __NEXT_DATA__; txt file empty): family protection takaful with FWD Cashback Add-On Rider - 50% cashback of total contribution if no claim until maturity; base benefits: death, TPD, cancer/stroke/heart attack CI + optional Neurological & Heart Disorder benefit; Cashback Rider has no exclusions, terminates on owner death/TPD; from RM25/month marketing line (premium not entered in schema); online application with e-certificate, 15-day return; FWD Takaful Berhad; takaful: true.", "exclusions": null, "entry_age_min": "not disclosed (application flow enforces age bands)", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "direct", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-great-term-direct", "insurer": "ge-life", "name": "Great Term Direct", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/protection/great-term-direct.html", "source_detail": "pds-life/ge-great-term-direct-pds.txt (PDS 0468/V03/0723): non-participating term plan, death + TPD (TPD before age 65 next birthday); cover & premium duration up to age 80 next birthday; TPD benefit max RM10m per life paid in 3 annual installments (first = SA or RM2m whichever lesser); bereavement benefit first RM5,000 of SA; premium non-guaranteed, revisable with 3 months notice; no fees/charges; no surrender value; grace 30 days; free-look 15 days; sum assured selected from Premium Amount Tables (not stated in PDS); product page URL best-effort (PDS cites greateasternlife.com/my)", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-essential-cover", "insurer": "zurich", "name": "Zurich Essential Cover", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://mya.zurich.com.my/rdt/essentialcover", "source_detail": "pds-life/zurich-essential-cover-pds-en.txt (PDS dated 1 Jan 2026): 30-year term covering Death, TPD, Golden Age Disability (GAD) and Accidental Death Benefit; illustration (healthy 30yo male non-smoker, RM1,536/yr): Death/TPD/GAD RM300,000 or total premiums paid whichever higher (policy years 3-30; years 1-2 = all premiums paid); ADB add-ons: Balik Kampung +RM300k, Public Conveyance +RM600k, Overseas +RM900k, On-board Flight +RM1.2m, Natural Disaster +RM1.5m; premium duration 30 years; premium guaranteed; commission 28.5% of premium or RM2,626.56 over 6 years; grace 31 days; cooling-off 15 days; juvenile lien applies to Death/TPD before age 4; sum assured range not stated (illustration only)", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-termlife", "insurer": "zurich", "name": "Zurich TermLife", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://mya.zurich.com.my/rdt/termlife", "source_detail": "pds-life/zurich-termlife-pds-en.txt (PDS dated 1 Jan 2026): 50-year term covering Death and TPD; illustration (healthy 30yo male non-smoker, RM5,215/yr): Death/TPD RM500,000; conversion option to any life policy covering death/TPD only for same or lower SA without evidence of insurability; riders: Accidental Death Benefit & RCC, Accident Indemnity & RCC, Improved Accident Indemnity & RCC, Personal Accident, ProLife 36 Super 2 Rider, Hospitalisation Benefit Rider, Hospital & Surgical Benefit, Special Payor Benefit, ProLife 36 Plus Rider, Waiver of Premium on Dread Disease; premium duration 50 years; premium guaranteed (standard risks); commission 28.5% of premium or RM8,917.65 over 6 years; grace 31 days; cooling-off 15 days; juvenile lien applies to Death/TPD before age 4; sum assured range not stated (illustration only)", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "fwd-icare", "insurer": "fwd", "name": "i-Care", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/insurance/life/icare/", "source_detail": "life-src/fwd-icare-pds.txt (PDS): non-participating yearly renewable plan, protection up to age 81; Death + TPD + Additional Accidental Death Benefit; illustration (aged 30 male, RM741/yr, Plan C): Death RM500,000, TPD RM500,000 (max TPD RM2m per life), ADB RM250,000; Death/TPD/ADB provided before policy anniversary when life assured is 70; renewal premiums NON-guaranteed, increase with attained age at renewal, insurer may revise with 30 days written notice; duration up to age 81 upon payment of renewal premium; grace 31 days; reinstatement not applicable; no cash value on surrender/termination; free-look 15 days; other plans (A/B) not detailed in PDS; product page URL best-effort (PDS cites fwd.com.my)", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 81, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "no", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-smartprotect-you", "insurer": "ge-life", "name": "SMARTPROTECT You", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/smartprotect-you.html", "source_detail": "Read /tmp/ge-smartprotect-you.html (canonical page; 'Information correct as on 1 August 2026'; full text also in /tmp/ge-smartprotect-you.txt). Regular premium ILP from RM100/month; additional 1% of basic sum assured per completed policy year up to max 40%; death/TPD payout = basic SA + additional SA + total investment value; No-Lapse Guarantee first 3 policy years; entry age 16-70 years next birthday; level premiums to 80 NB, step-up basis for 100 NB option; exclusions: suicide within 1st year, self-inflicted TPD, pre-existing TPD; sold via Life Planning Advisor (agent)", "exclusions": null, "entry_age_min": "16 years next birthday", "renew_age_max": "n/a (fixed coverage term to age 80 or 100 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-smartprotect-sure", "insurer": "ge-life", "name": "SMARTPROTECT Sure", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/smartprotect-sure.html", "source_detail": "Read /tmp/ge-smartprotect-sure.html (canonical page; 'Information correct as on 27 July 2026'). Regular premium ILP; +1% SA per completed policy year up to 30 years; maturity payout = 100% TIV plus booster 12% of basic SA; convertible to level SA endowment or whole life at maturity (not later than age 80 NB); No-Lapse Guarantee first 6 policy years; guaranteed insurance charge rates; PIDM unit portion protection subject to limitations; sold via Life Planning Advisor (agent)", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "n/a (coverage 30 years or to age 70 years next birthday, whichever later)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-smartprotect-wealth-plus", "insurer": "ge-life", "name": "SMARTPROTECT Wealth Plus", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/smartprotect-wealth-plus.html", "source_detail": "Read /tmp/ge-smartprotect-wealth-plus.html (canonical page; 'Information correct as on 27 July 2026'). Legacy-planning regular premium ILP; +1% SA per completed policy year up to 40% max; death/TPD payout = basic SA + additional SA + TIV; extra accidental death cover until 70 NB anniversary; booster 12% of basic SA; No-Lapse Guarantee first 6 policy years; exclusions: suicide 1st year, self-inflicted/TPD pre-existing, accidental death benefit needs death within 90 days; entry 14 days to 70 NB; sold via Life Planning Advisor (agent)", "exclusions": null, "entry_age_min": "14 days attained age", "renew_age_max": "n/a (coverage to age 100 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-smartprotect-junior", "insurer": "ge-life", "name": "SMARTPROTECT Junior", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/smartprotect-junior.html", "source_detail": "Read /tmp/ge-smartprotect-junior.html (canonical page; 'Information correct as on 1 August 2026'). Child ILP, protectable from unborn stage; +1% SA per year to end of 30th policy year; death/TPD payout = basic SA + additional SA + TIV; maturity = 100% TIV; No-Lapse Guarantee first 3 policy years; Smart Baby Shield Plus rider for pregnant mums/unborn; min SA RM12,000; entry child 14 days - 15 years, unborn 13-36 weeks gestation; exclusions: pre-existing conditions, suicide 1st year, self-inflicted TPD; agent sales", "exclusions": null, "entry_age_min": "14 days attained age (child); unborn child from 13 weeks gestational period", "renew_age_max": "n/a (coverage to age 100 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-smart-revive-max", "insurer": "ge-life", "name": "SMART Revive Max", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/smart-revive-max.html", "source_detail": "Read /tmp/ge-smart-revive-max.html (canonical page; 'Information correct as on 27 July 2026'). Limited-pay ILP; +5% SA every 10 years up to max 30%; Cover Revive feature restores sum assured 24 months after partial withdrawal (max RM250,000); booster rewards + double maturity booster; ICU 5+ days pays up to 5% SA; No-Lapse Guarantee first 6 years; optional Legacy Distribution Rider; exclusions: suicide 1st year, self-inflicted/TPD pre-existing, admission within first 120 days; min SA RM500,000", "exclusions": null, "entry_age_min": "14 days attained age", "renew_age_max": "n/a (coverage to age 70, 80 or 90 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-great-vantage-care", "insurer": "ge-life", "name": "GREAT VantageCare 2", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/great-vantage-care.html", "source_detail": "Read /tmp/ge-great-vantage-care.html (canonical page; 'Information correct as at 1 June 2024'). Participating whole life living assurance plan with non-guaranteed bonuses; death/TPD (before age 70) pay BSA + additional SA + cash/terminal bonuses; maturity lump sum at 87 less prior coronary treatment payouts; premium rates guaranteed; free-look 15 days; PIDM protection up to limits; sold via Life Planning Advisor", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "n/a (whole life, matures at age 87 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-great-early-vantage-care", "insurer": "ge-life", "name": "GREAT Early VantageCare 2", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/great-early-vantage-care.html", "source_detail": "Read /tmp/ge-great-early-vantage-care.html (canonical page; 'Information correct as of 22 July 2024'). Participating whole life living assurance with non-guaranteed bonuses; covered illnesses include cancer, heart attack, Parkinson's, coronary artery bypass, stroke, major organ transplant; death/TPD pay BSA+ASA+bonuses; maturity lump sum at 87 less earlier CI payouts; premium rates guaranteed; free-look 15 days; sold via Life Planning Advisor", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "n/a (matures at age 87 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-great-generation-care", "insurer": "ge-life", "name": "GREAT Generation Care", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/great-generation-care.html", "source_detail": "Read /tmp/ge-great-generation-care.html (canonical page; 'Information correct as on 26 August 2025'). 3-generation family critical illness plan; death/TPD payout = higher of 100% BSA or premiums; Emotional Support Benefit +1% BSA on child/parent claims; maturity = higher of 100% BSA or premiums at 80; sum assured RM50k-RM5m; entry 17-60 NB; exclusions incl. suicide, TPD causes, CI waiting periods 30/60 days, HIV/AIDS; optional Payer Benefit Extra and Premium Waiver on CI riders listed on PDS overview", "exclusions": null, "entry_age_min": "17 years next birthday", "renew_age_max": "n/a (matures at age 80 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ge-great-maxiprotector", "insurer": "ge-life", "name": "GREAT MaxiProtector", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/great-maxiprotector.html", "source_detail": "Read /tmp/ge-great-maxiprotector.html (canonical page; 'Information correct as on 1 June 2024'). Affordable non-participating whole life policy maturing at 99; death pays basic SA lump sum; TPD before age 65 pays basic SA; maturity pays basic SA; premium rates guaranteed; all ages refer to age NB; free-look 15 days; no guaranteed minimum cash value until 3 years of premiums; sold via agent", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "n/a (matures at age 99)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "generali-gencreator", "insurer": "generali", "name": "GenCreator", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/gencreator", "source_detail": "Generali MY Savings & Life Protection index + product page + PDS (SI PDS GenCreator V2.7 16/07/2026). Regular premium ILP; Death/TPD (TPD before age 70) = higher of Basic Sum Insured less withdrawals within past 12 months or Account Value; Maturity Benefit at age 100 = higher of BSI less withdrawals or AV; Guaranteed Auto Renewal to age 100 without evidence of insurability (subject to sufficient account value to deduct charges); Loyalty Bonus 0.5% of avg monthly AV every 2 policy years from 6th anniversary; Loyalty Booster 20% of avg monthly AV over last 10 years at 20th anniversary (max 20% of BSI); entry age 15 days old - 70 years old (index page); min sum insured RM350,000 (index page); illustration (healthy 30yo male, RM4,200/yr, 100% Select Opportunity Fund, PPT 5 yrs): Death/TPD RM500,000, 30-year cover; premium payment terms 5/10/15/20 yrs or to end of coverage term; surrender charge 20%/10%/nil (policy years 1/2/3+); insurance charges not guaranteed, revisable with 90 days notice; service charge RM6 monthly; exclusions: suicide within 12 months, war, hazardous sports, narcotics/alcohol; no CI rider disclosed on public pages; PDS under Generali Life Insurance Malaysia Berhad 200601003992 (723739-W)", "exclusions": null, "entry_age_min": "15 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "generali-wealth-creator-premier", "insurer": "generali", "name": "Wealth Creator Premier", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/wealth-creator-premier", "source_detail": "Generali product page + PDS (Wealth Creator Premier_Eng_Website Version). Regular premium ILP; Death/TPD (before age 70)/Terminal Illness = higher of BSI less withdrawals within past 12 months or Account Value; TPD benefit limit RM4m per life (excess payable on death; RM1.5m lump sum + balance 12 months later if >RM1.5m); Maturity Benefit at age 100 = higher of BSI less withdrawals or AV; Auto Guaranteed Renewal up to age 100 without evidence of insurability; Loyalty Bonus 0.5% of avg monthly AV every 2 policy years from 6th; Special Booster 10% every 15th policy anniversary; Legacy Booster 10% at end of initial coverage term; Wellness Reward 5% discount on insurance charge for SA RM1m+ with no basic-plan claims; premium terms 5/10/15/20 yrs or until end of coverage term; entry age 15 days old - 70 (index page: min sum insured RM800,000); 'not for you if age 71 and above'; exclusions: suicide 12 months, self-inflicted TPD, hazardous activities; no CI rider disclosed on public page", "exclusions": null, "entry_age_min": "15 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "Yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "generali-genwealth", "insurer": "generali", "name": "GenWealth", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/genwealth", "source_detail": "Generali product page + PDS (GenWealth_Eng_Website Version). Limited-pay regular premium ILP, term 15/20/30 yrs, PPT 2 or 4 yrs; No Lapse Guarantee (policy kept in force until maturity if premiums paid and no withdrawals); Death = aggregate of RM5,000 (BSI in illustration) + Account Value from 3rd policy year; Accidental Death/TPD benefit additional RM5,000 (illustration) subject to max RM2,000,000 per life; TPD cap RM4m per life (excess payable on death); guaranteed enrolment with NO medical underwriting (all new business subject to internal approval); Loyalty Bonus 0.38% of avg monthly AV every 2 policy years from 6th anniversary; Special Booster at every 10th policy anniversary; entry 15 days old - 70 years old; index page lists minimum PREMIUM of RM100,000 (not sum assured); PDS illustration Basic Sum Insured RM5,000 + Account Value; exclusions: suicide within 1 year, self-inflicted TPD, pre-existing injury for accidental death; grace 31 days; free-look 15 days", "exclusions": null, "entry_age_min": "15 days old", "renew_age_max": "not disclosed (fixed term plan)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "generali-life-80", "insurer": "generali", "name": "Life 80", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/life-80", "source_detail": "Generali product page + Life 80 PDS (ENG Website Version). Non-participating plan offering death protection up to Age 80; pays lump sum Death (Basic Sum Insured) benefit if death during term; Death/bereavement benefit; riders available: Hospital Income Benefit, Critical Illness Rider, Accelerated Critical Illness Rider, 110 CI Care, Income Shield Rider; entry age 15 days old - 65 years old (age last birthday), product page states 'not for you if your age is 66 and above'; coverage to age 80; min sum insured RM25,000, max subject to underwriting; grace 31 days; free-look 15 days; suicide exclusion within 1 year of issue/reinstatement; PDS issued by Generali Life Insurance Malaysia Berhad 200601003992 (723739-W)", "exclusions": null, "entry_age_min": "15 days old", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "generali-secure-shield", "insurer": "generali", "name": "Secure Shield", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/secure-shield", "source_detail": "Generali product page + Secure Shield PDS (Eng Website Version). Non-participating plan offering protection until Age 80 with Maturity Benefit (80% of Total Premium Paid) at maturity; Death Benefit = highest of Basic Sum Insured, Total Premium Paid or Guaranteed Cash Value (policy year 3 onwards; years 1-2 non-accidental death = Total Premium Paid); Accidental Death Benefit +200% BSI; Death due to Vaccination Side Effects +20% BSI; Death during Hospitalisation in Isolation Ward +20% BSI; Daily Hospital Income Benefit RM50/day (max 30 days/policy year, due to accident); guaranteed premium (same throughout policy duration); no medical underwriting/check-ups; entry age 30 - 70 (Age Last Birthday) - not for you if aged 71+; nationality: Malaysian (incl. PR), Singaporean, Bruneian; max sum insured RM200,000; min premium RM1,080/yr; grace 31 days with automatic premium loan from Guaranteed Cash Values; exclusions: suicide (sane or insane) within 12 months; ADB/accident hospital income exclusions (disease, poison/drugs, assault, war, airborne activities, pregnancy, pre-existing defects, riot, hazardous activities)", "exclusions": null, "entry_age_min": 30, "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "generali-wealth-protect-assure-2", "insurer": "generali", "name": "Wealth Protect Assure 2", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/assure-2", "source_detail": "Generali product page + Wealth Protect Assure 2 PDS (Eng Website Version). Investment-linked plan combining protection and investment; Death Benefit = Basic Sum Insured + total investment value; TPD Benefit = BSI (subject to RM4m per life; excess payable on death; RM1.5m lump sum + remainder 12 months later if >RM1.5m); covers to Initial Term of age 99, guaranteed renewable without evidence of insurability up to Renewal Term of age 100 (subject to sufficient Account Value; opt-in within 60 days of Renewal Notice; additional premium may be required); alternative premium options: non-level (Alt 1) and level (Alt 2); entry age from 15 days old - 70 years old (Age Last Birthday; 'not for you if 71 and above'); min sum insured RM10,000; flexible top-ups; riders include medical riders (e.g. OneMedic Plus unit-deducting rider per its PDS); insurance charges deducted monthly, not guaranteed; free-look 15 days; TPD before age 70", "exclusions": null, "entry_age_min": "15 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "generali-wealth-creator", "insurer": "generali", "name": "Wealth Creator", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/wealth-creator", "source_detail": "Generali product page + Wealth Creator PDS (Eng Website Version). Regular premium ILP; Death/TPD/Terminal Illness = higher of Basic Sum Insured less withdrawals (12 months) or Account Value; TPD cap RM4m per life (excess payable on death); Accidental Death/TPD before 70: +100% BSI; Public Conveyance: 200% (land), 300% (water/air), 400% (public holiday); aggregate accidental benefit capped RM3m per life; Maturity Benefit = Account Value at end of coverage term; Loyalty Bonus 0.5% of avg monthly AV every 2 policy years from 6th anniversary; Loyalty Booster 20% of avg monthly AV at 20th anniversary (max 20% of BSI); Guaranteed Renewable to age 100 without underwriting; premium payment terms 5/10/15/20 yrs or until end of coverage term; entry age 15 days - 70 (Age Last Birthday); min sum insured RM500,000 (index page); coverage term 30 years or up to age 80; exclusions: suicide within 12 months, self-inflicted TPD, war, hazardous activities; grace 31 days; free-look 15 days", "exclusions": null, "entry_age_min": "15 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "generali-elife-protector-plus", "insurer": "generali", "name": "eLife Protector+", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/elife-protector", "source_detail": "Generali product page + eLife Protector+ PDS v03-2026. Non-participating yearly renewable term life insurance; protection up to age 75; Death Benefit 100% of BSI; TPD 100% of BSI (to age 70, subject to RM4m per life, excess payable on death); Accidental Death benefit +100% of BSI (to age 65); pure protection, no savings/investment; sum assured RM25,000-RM500,000 (flexible, choose payout amount); auto-renewable yearly to age 75 if premiums paid; premium rates vary by attained age, gender, smoking status, NOT guaranteed, 90-day notice for revision; TPD (up to age 70) cap RM4m; no cash surrender value; no commission (no intermediary - direct online purchase); application via 4 simple questions, no medical exams; Malaysians only (not for age below 16 or above 55; not for heavy-machinery/high-risk occupations; not for BMI-classified 'obese'); exclusions: suicide 1 year, self-inflicted TPD, war, pre-existing physical/mental defects; grace 31 days; free-look 15 days", "exclusions": null, "entry_age_min": 16, "renew_age_max": 75, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "No (auto-renewed yearly to age 75, but premium rates NOT guaranteed, revisable with at least 90 days notice)", "channel": "direct online", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "hla-term-cover-10", "insurer": "hla", "name": "Term Cover 10", "shape": "standalone", "category": "life", "summary": "10-year non-participating term plan covering death and Total Permanent Disability, with option to convert to a permanent policy or renew without underwriting. Sold online via hlatouch.my.", "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/term-cover-10.html", "source_detail": "HLA product page (AEM model.json, accessed 2026-08-24): 'A 10-year term life insurance with coverage up to RM500,000. Includes death and TPD protection, plus renewal options without underwriting.' Non-participating plan; lump sum up to RM500,000 on death or TPD; coverage term 10 years (renewable up to 20 years); policy automatically extended up to 2 times with last renewal at age 65 without underwriting; option to convert to a permanent policy; eligible age 16-65 years; premium from RM9/month; available online via hlatouch.my (Buy Now link). No PDS published on product page.", "exclusions": null, "entry_age_min": 16, "renew_age_max": 65, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "hla-total-cover-package", "insurer": "hla", "name": "Total Cover Package", "shape": "standalone", "category": "life", "summary": "10-year term bundle covering death/TPD, 5 major critical illnesses, and daily hospital income, renewable without underwriting; sold online via hlatouch.my.", "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/total-cover-package.html", "source_detail": "Non-participating 10-year insurance combo covering life, critical illness and hospitalisation income, with option to renew without underwriting (product page, accessed 2026-08-24). Death & TPD lump sum up to RM500,000; CI cover for 5 major critical illnesses (cancer, coronary artery bypass surgery, heart attack, kidney failure & stroke); daily hospital income up to RM300/day, 2x daily income if admitted to ICU in Malaysia or overseas; coverage term 10 years (renewable up to 20 years); auto-extension up to 2 times with last renewal at age 65 without underwriting; eligibility 16-65 years; premium from RM9/month; available online via hlatouch.my.", "exclusions": null, "entry_age_min": 16, "renew_age_max": 65, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "hla-secure100", "insurer": "hla", "name": "Secure100", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/secure.html", "source_detail": "PDS Secure100_ENG.pdf (via hla.com.my/content/dam/hla/products/pds/secure100/): 'Secure100 is a non-participating whole life plan which provides insurance protection up to age 100. In the event of death or Total and Permanent Disability (prior to attaining age 65), we shall pay the Death or TPD Benefit; upon maturity (age 100), we shall pay the Maturity Benefit (100% of Basic Sum Assured).' Fixed premium, no increment throughout policy term; payment frequency monthly/quarterly/half-yearly/annual; eligibility 30 days to 65 years old; coverage up to age 100; TPD benefit limit per life RM10m (ages 15-65); suicide exclusion within 12 months; free-look 15 days; PIDM protected. Product page (accessed 2026-08-24): 'guaranteed lifetime financial protection up to age 100 with multiple payment choices'; sold via Life Advisor (agent).", "exclusions": null, "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (whole life)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "hla-prime-protect-gold", "insurer": "hla", "name": "HLA Prime Protect Gold", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/hla-prime-protect-gold.html", "source_detail": "PDS_HLA Prime Protect Gold_ENG.pdf (via product page, accessed 2026-08-24): 'HLA Prime Protect Gold is a non-participating endowment which provides insurance protection up to age 80. In the event of death during the policy term, we shall pay the Death Benefit; upon maturity, we shall pay the Maturity Benefit (110% of total premium paid).' Death benefit 100% of Basic Sum Assured; Additional Accidental Death Benefit 300% of BSA at attained ages 40-65 and 150% of BSA at 66-80; death benefit at least total premium paid; non-accidental death within first 2 policy years pays total premium paid; entry ages 40-70, coverage up to age 80; no medical check-up; suicide exclusion within 12 months. Product page: life insurance for ages 40 to 70 with coverage up to age 80 and 110% maturity benefit; available via Life Advisor (agent).", "exclusions": null, "entry_age_min": 40, "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (endowment)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "hla-wealth-invest", "insurer": "hla", "name": "HLA Wealth Invest", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/hla-wealth-invest.html", "source_detail": "PDS 'HLA Wealth Invest (Yearly)_ENG.pdf' (via product page, accessed 2026-08-24): 'HLA Wealth Invest is a participating endowment plan which provides insurance protection for 30 years.' Death or TPD (prior to age 65) benefit; Guaranteed Yearly Cash Coupon (GYCC) paid from end of year 1 until maturity/termination; Annual Cash Dividend (non-guaranteed) from end of year 1; advancement of future GYCC up to 85% of next 5 years on qualifying events (marriage, childbirth, hospitalisation, critical illness diagnosis, etc.); premium duration 6 years (limited pay); eligibility from 13th week of gestation to age 65; premium from RM6,000/year; death benefit = 100% of Outstanding GYCC + accumulated GYCC + accumulated dividends + Account Value + Special Terminal Dividend. Available via Life Insurance Agent.", "exclusions": null, "entry_age_min": 0, "renew_age_max": 65, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (endowment)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "hla-legacy-wealth", "insurer": "hla", "name": "HLA Legacy Wealth", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/hla-legacy-wealth.html", "source_detail": "PDS_HLA Legacy Wealth_ENG.pdf (via product page, accessed 2026-08-24): investment-linked plan combining insurance protection and investment, coverage up to age 100. Death benefit = higher of prevailing Basic Sum Assured or Account Value (initial BSA RM2,000,000; min annual premium RM18,000); death benefit settlement option (lump sum or structured annual instalments); Loyalty Bonus credited at end of policy year when Life Assured attains ages 60, 65, 70, 75, 80 (up to 25% of BSA); Maturity Benefit at age 100 = higher of BSA or Account Value; Lapse-Free Zone activated at policy anniversary after attainment of age 95 (coverage continues even if Account Value insufficient); eligible entry ages 30 days to 80 years; policy term up to age 100; available via Life Insurance Agent.", "exclusions": null, "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (whole life)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "manulife-manuterm", "insurer": "manulife", "name": "ManuTerm", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/life/term-life/manuterm.html", "source_detail": "pds-life/manuterm-pds-jina.txt (PDS via manuterm_pds.pdf): non-participating level term plan, death + TPD lump sum; duration template <10-35 years / up to age 55/60/65/70/75/80 next birthday>; illustration RM4,015/yr for RM500,000 death/TPD cover to age 80 (healthy 30yo male); premium revisable on 90 days notice; 30-day grace; 15-day free-look; suicide exclusion 13 months; product page: convertibility to any Manulife permanent plan without evidence of insurability, option to renew without evidence of insurability; sum assured range not stated in PDS; entry age not stated in PDS", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes (option to renew without evidence of insurability; product page)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "manulife-manuprotect", "insurer": "manulife", "name": "ManuProtect", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/life/term-life/manuprotect.html", "source_detail": "pds-life/manuprotect-pds.txt (ManuProtect.pdf PDS v8.0): non-participating yearly renewable term; death + TPD lump sum; Accidental Death before age 65 pays additional 100% of Face Amount; renewable up to age 80 next birthday; premium revised annually by attained age, non-guaranteed with 90 days written notice; illustration RM1,060.50/yr for RM500,000 death/TPD (healthy 30yo male); no cash value; 30-day grace; 15-day free-look; optional Accelerated Critical Illness Rider (30% of FA, 5 CIs, to age 65); stamp duty included in premium", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes (guaranteed yearly renewal up to age 80 next birthday)", "channel": "direct (no sales intermediary; no commission - PDS states direct purchase)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "manulife-manuwhole-life", "insurer": "manulife", "name": "ManuWhole Life", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/life/whole-life/manuwhole-life.html", "source_detail": "pds-life/manuwhole-life-pds.txt (manuwhole-life_pds.pdf): non-participating whole life policy; death + disability coverage until age 99; lump sum benefit on death/TPD; premium payable to age 99 next birthday; premium revisable on 90 days notice; illustration RM6,855/yr for RM500,000 (healthy 30yo male); 30-day grace; 15-day free-look; suicide exclusion 13 months", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 99, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "manulife-manulife-future-shield", "insurer": "manulife", "name": "Manulife Future Shield", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/life/whole-life/manulife-future-shield.html", "source_detail": "pds-life/manulife-future-shield-pds.txt (manulife-future-shield_pds.pdf): limited-pay non-participating whole life; covers death, disability and accidental death; death/TPD benefit: policy years 1-2 = total modal premium paid; prior to age 70 = 105% of (total modal premium paid less Prime Years Withdrawal Benefit withdrawn); from age 70 = Face Amount (illustration RM500,000); senior care benefit, accidental death benefit, Prime/Golden Years Withdrawal benefits; premium duration 5 years; premium revisable 90 days notice; 30-day grace; 15-day free-look; multiplier % of face amount based on entry age (product page)", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 99, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "manulife-easy-cover", "insurer": "manulife", "name": "Manulife Easy Cover", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/life/term-life/manulife-easy-cover.html", "source_detail": "Product page (no PDS located; brochure PDF unreachable): guaranteed issuance (no medical/financial underwriting); protects death, TPD and accidental death; bereavement benefit up to 20% of sum assured; additional 100% of sum assured on accidental death; TPD and Accidental Death cover to end of policy term or age 70 whichever earlier; death/TPD by non-accidental cause in first 2 policy years refunds total premiums paid; coverage term 20 years or to age 80", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "manulife-easy-protect", "insurer": "manulife", "name": "Manulife Easy Protect", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/life/term-life/manulife-easy-protect.html", "source_detail": "pds-life/manulife-easy-protect-pds.txt (PDS dated 01/09/2021): non-participating term plan up to age 80 next birthday; death, accidental death, TPD; death benefit: PY1-2 total modal premiums paid, accidental 100% sum assured or higher of FA/110% premiums, 200%/300% FA on public conveyance/fire; Guaranteed Survival Benefit 50% of annualised premium every 5 policy years; TPD benefit max RM10m per life; ADB caps RM2m (occ class 1-3) / RM600k (class 4); premium rates non-guaranteed, 90-day notice; entry ages 19-79 per premium table; annual premium rate table per RM1,000 FA; 30-day grace; 15-day free-look", "exclusions": null, "entry_age_min": 19, "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent (Total Distribution Cost payable to intermediary, 65% yr1 declining to 0% from yr 7)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "manulife-asset-shield", "insurer": "manulife", "name": "Manulife Asset Shield", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/invest/investment-linked-plan/manulife-asset-shield.html", "source_detail": "pds-life/manulife-asset-shield-pds.txt (Manulife-Asset-Shield.pdf): ILP combining insurance protection and investment; pays higher of death/TPD benefit or unit value at claim; maturity benefit and No Lapse Guarantee; illustration RM10,000/yr, 100% equity fund, basic FA RM500,000 (healthy 30yo male); premium allocation to units; unallocated premium charge, insurance charge, monthly administration charge RM6 (monthly mode) / RM5 (other); full/partial surrender penalties first 2 policy years; 90-day notice on policy charges; 30-day grace; 15-day free-look; product page: premium payment terms 6/10/20 years, coverage terms 25/30/35 years", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "manulife-heritage", "insurer": "manulife", "name": "Manulife Heritage", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/investment-linked-plan/manulife-heritage.html", "source_detail": "pds-life/manulife-heritage-pds.txt (Manulife-Heritage.pdf): ILP; pays higher of death/TPD benefit or investment value; additional benefits: Accidental Death Benefit, Protection Booster, Cover Reset, Wellness Reward, Loyalty Bonus, No Lapse Guarantee, Renewal Benefit (renew to age 99 without re-underwriting), Maturity Bonus; illustration RM10,000/yr, 100% equity fund, FA RM500,000; premium payment 6/10/20 years; admin charge RM5-6 monthly; surrender/withdrawal penalties first 2 years; 90-day notice on policy charges; 30-day grace; 15-day free-look; product page: coverage to age 70, 80 or 99 next birthday", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 99, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes (renewal benefit renews policy to age 99 next birthday without re-underwriting)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "manulink-essential-and-essential-plus", "insurer": "manulife", "name": "ManuLink Essential / ManuLink Essential Plus", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/investment-linked-plan/manulink-essential-and-essential-plus.html", "source_detail": "pds-life/manulink-essential-pds.txt (ManuLink-Essential-and-ManuLink Essential Plus.pdf): Essential pays higher of death/TPD benefit or unit value; Essential Plus pays total of death/TPD benefit AND unit value; benefits: Wellness Reward, Retirement Income Option, Maturity Benefit, Renewal Benefit (to age 99 without re-underwriting), No Lapse Guarantee; illustration RM10,000/yr, FA RM500,000; duration options to age 70/80/99 NB or 20 years; unallocated premium charge; admin RM6/RM5; surrender/partial penalties first 2 years; 90-day notice; 30-day grace; 15-day free-look", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 99, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes (Renewal Benefit renews to age 99 next birthday without re-underwriting)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "manulink-wealth", "insurer": "manulife", "name": "ManuLink Wealth", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/investment-linked-plan/manulink-wealth.html", "source_detail": "pds-life/manulink-wealth-pds.txt (ManuLink-Wealth.pdf): ILP pays higher of death/TPD benefit or unit value; benefits: Accidental Death Benefit, Loyalty Reward (20-yr PPT only), Wellness Reward, Waiver of Premium Benefit (CI: cancer, stroke, heart attack - survival/waiting period applies), Maturity Benefit, Renewal Benefit (to age 99); premium terms 6/10/20 years; deferred premium charge 3-5% p.a. for first 6-10 years; surrender penalty first 6-10 years; waiting period 30 days; admin RM6/RM5; 90-day notice; 30-day grace; 15-day free-look; product page: premium payment term 6, 10 or 20 years", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 99, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes (renewal Benefit: policy to age 99 without re-underwriting)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "mcis-mylifeprotect", "insurer": "mcis", "name": "MyLife Protect", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/mylifeprotect", "source_detail": "life-src/mcis-mylifeprotect-pds.txt (MyLife Protect PDS/brochure): regular premium non-participating term; death + TPD 100% BSA; entry age 16-55 NB; term 10/20/30 years to max expiry age 70 NB; BSA RM10,000-RM500,000; no surrender value; level guaranteed premium; exclusions: suicide/self-inflicted 13 months, unlawful act; 15-day free look; payment via online banking and debit/credit card; no riders attachable", "exclusions": null, "entry_age_min": 16, "renew_age_max": 70, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "no (level term; premiums level and guaranteed for the chosen term; no renewal option)", "channel": "direct (available via any branch nationwide and via website www.mcis.my)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "mcis-ezyprotect", "insurer": "mcis", "name": "EzyProtect", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/ezyprotect", "source_detail": "life-src/mcis-ezyprotect-pds.txt: non-participating yearly renewable term; death only + Funeral Expenses Benefit (5% BSA from PY2); non-accidental death PY2+ = higher of 100% BSA or total premiums paid; accidental death 250% BSA; public conveyance 350% BSA; actual BSA up to RM100,000; term to age 80 last birthday / PPT to 79; premium non-guaranteed (90-day notice); no surrender value; 30/45-day grace; 15-day free look; suicide exclusion 13 months", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "yes (yearly renewable term; premium non-level, increases with attained age, revisable on 90 days' notice)", "channel": "not disclosed (PDS shows commission payable to intermediaries)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "mcis-super", "insurer": "mcis", "name": "Super", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/superseries", "source_detail": "life-src/mcis-super-pds.txt (Super PDS, SuperSeries family) + life-src/mcis-superseries.html: non-participating whole life; death + TPD + 36 CI + maturity benefit; 1st 5 policy years: death RM500,000, accidental death RM1,000,000, specific accidental causes RM1,500,000; maturity RM1,150,000; premium guaranteed; riders: Accident Benefit, Child Accident, Enhanced Comprehensive PA (+Medical & Surgical), Enhanced Hospital & Surgical, Hospital Benefit, LadyCare With/Without Maternity, Living Benefit, Payer Benefit, Revised Comprehensive PA (+Medical & Surgical), Term Rider; 30/45-day grace; 15-day free look", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed (PDS shows commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "mcis-supertreasure", "insurer": "mcis", "name": "SuperTreasure", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/superseries", "source_detail": "life-src/mcis-supertreasure-pds.txt: SuperSeries family sibling of Super; identical benefit structure (death/TPD/ADB/CI up to RM500,000, maturity RM1,150,000, In-Force SA +RM50k/5yrs, same rider list) plus Survival Benefit RM25,000 yearly from end of policy year 10", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "mcis-mcoreprotect", "insurer": "mcis", "name": "M-CoreProtect", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/M-CoreProtect", "source_detail": "life-src/mcis-mcoreprotect-pds-m.txt + -wm.txt (with/without Maturity Benefit variants): non-participating whole life; death RM500,000; CI cover; maturity RM500,000 (with-MB variant); premium guaranteed; 30/45-day grace; 15-day free look; suicide exclusion 12 months; product page: cover to age 70/80/90 NB", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 90, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "mcis-mseniorprime", "insurer": "mcis", "name": "M-Senior Prime", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/M-SeniorPrime", "source_detail": "life-src/mcis-mseniorprime-pds-m.txt + -wm.txt (with/without Maturity Benefit variants): non-participating whole life; death + Funeral Expense Benefit (10% BSA, max RM10,000, reduces death benefit); additional accidental death tiers 100%-500% BSA (festive season 200%, public conveyance 300%, overseas 400%, natural disaster 500%; only highest payable); maturity (with-MB variant) = higher of 100% BSA or 100% total basic premium paid; suicide exclusion 12 months; premium guaranteed; product page: no medical check-up, PPT 5/10/20 yrs or to age 80 NB", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed (intermediary channel)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "mcis-goldenseniorcare", "insurer": "mcis", "name": "Golden SeniorCare", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/golden-senior-care", "source_detail": "life-src/mcis-goldenseniorcare-pds.txt + life-src/mcis-goldenseniorcare.html: non-participating whole life for seniors; death benefit (PY1 non-accidental = premium paid); accidental death 400% BSA; maturity 100% BSA; no medical underwriting; premium guaranteed; suicide exclusion 13 months; 15-day free look", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "mcis-mfortune", "insurer": "mcis", "name": "M-Fortune Link", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/investment-linked-insurance/m-fortune-link", "source_detail": "life-src/mcis-mfortune-pds.txt: non-participating ILP; death RM500,000+AV, TPD RM500,000, Compassionate RM5,000, maturity = AV; 3 Years Guaranteed Coverage; Auto-Extended Policy Term to age 100 NB; entry ages 30 days - 70 NB (product page); riders incl. I-Linked LadyCare/PA/Hospital Benefit 2; 90-day notice on charges; 30/45-day grace; 15-day free look", "exclusions": null, "entry_age_min": "30 days", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (ILP)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "mcis-primelink", "insurer": "mcis", "name": "PrimeLink", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/investment-linked-insurance/primelink", "source_detail": "life-src/mcis-primelink-pds.txt: non-participating ILP; death RM500,000+AV, accidental RM1,000,000+AV, TPD RM500,000+AV; Compassionate RM3,000; maturity = AV; 5-year Guaranteed Coverage; riders: Critical illnessProtect, CI Waiver Plus, M-LifeCare, CI Multi Shield, I-Linked LadyCare 2, I-Linked PA 2, I-Linked Hospital Benefit 2; charges non-guaranteed (90-day notice); 30/45-day grace", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (ILP)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "mcis-peoplelink", "insurer": "mcis", "name": "PeopleLink", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/investment-linked-insurance/peoplelink", "source_detail": "life-src/mcis-peoplelink-pds.txt + life-src/mcis-peoplelink.html: ILP; natural death 100% BSA+AV, accidental 200% BSA+AV, TPD 100% BSA+AV; Compassionate RM3,000; 5-yr Guaranteed Coverage; riders: Critical illnessProtect, CI Waiver Plus, M-LifeCare, CI Multi Shield, I-Linked LadyCare 2, I-Linked PA 2, I-Linked Hospital Benefit 2; entry ages 30 days - 70 NB (80/90 cov) or 60 NB (70 cov); BSA RM50k-RM450k; min regular premium RM1,500 p.a.", "exclusions": null, "entry_age_min": "30 days", "renew_age_max": 90, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (ILP)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "mcis-maxsaver", "insurer": "mcis", "name": "MaxSaver", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/savings/maxsaver", "source_detail": "life-src/mcis-maxsaver-pds.txt + life-src/mcis-maxsaver.html: ILP with Guaranteed Cash Payment (RM5,000 PY1 illustration) + Maturity Benefit (AV); death/TPD = higher of BSA or total basic premium paid + AV; Booster Premium allocated to units; riders: Hospital Benefit, Revised Comprehensive PA, Accident, Term, Living, Premium Waiver, Payer; entry ages 30 days - 50/55/60/65 NB by policy term (product page)", "exclusions": null, "entry_age_min": "30 days", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (ILP)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "mcis-edusecure", "insurer": "mcis", "name": "EduSecure", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/savings/edusecure", "source_detail": "life-src/mcis-edusecure-pds.txt + life-src/mcis-edusecure.html: non-participating education endowment; death/TPD = higher of BSA or total EduSecure Basic Premium paid + AV; EduRewards guaranteed cash RM150,000 at child ages 18-21 NB (illustration); EduRewards Plus maturity RM150,000 + AV; Saver Premium 95% allocated to units; optional Term Rider (Payer, entry 18-60 NB per product page); grace 30/45 days; premium guaranteed", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a (fixed-term endowment)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "tokio-term-defender", "insurer": "tokio-marine", "name": "TokioMarine-TermDefender", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com/my/en/life/products/personal/protect/tokiomarine-term-defender.html", "source_detail": "life-src/tokio-tmlife-products-jina.txt (Jina dump of the 'Protect Your Life' product listing page). Product detail pages not harvestable: tokio-ibeyond-jina.html / tokio-ilifeguard-jina.html / tokio-direct.html are Incapsula challenge pages; tokio-life-ind-jina.txt is an error page; tokio-life-jina*.txt and tokio-sitemap.txt are 404 pages (wrong domain). Only listing-level facts recorded; all other fields 'not disclosed'. Tagline from listing; PIDM footnote 1 (benefits protected by PIDM up to limits).", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "online/direct (listed under Buy Online; TM Defender Series portal)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "tokio-e-ssential-tenang", "insurer": "tokio-marine", "name": "Perlindungan Tenang TokioMarine E-ssential Tenang", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com/my/en/life/products/personal/protect/perlindungan-tenang-tokiomarine-e-ssential-tenang.html", "source_detail": "life-src/tokio-tmlife-products-jina.txt (Jina dump of the 'Protect Your Life' product listing page). Product detail pages not harvestable: tokio-ibeyond-jina.html / tokio-ilifeguard-jina.html / tokio-direct.html are Incapsula challenge pages; tokio-life-ind-jina.txt is an error page; tokio-life-jina*.txt and tokio-sitemap.txt are 404 pages (wrong domain). Only listing-level facts recorded; all other fields 'not disclosed'. Described as 'Affordable Internet Life Insurance Plan for everyone.'", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "online/direct (listed under Buy Online: essentialtenang portal)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "tokio-ilifeguard", "insurer": "tokio-marine", "name": "TokioMarine-iLifeGuard 2", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com/my/en/life/products/personal/protect/tokiomarine-ilifeguard.html", "source_detail": "life-src/tokio-tmlife-products-jina.txt (listing). Dedicated dump life-src/tokio-ilifeguard-jina.html is an Incapsula challenge page (skipped). PIDM footnote 2 indicates unit-linked (unit portion protection subject to limitations).", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "tokio-ibeyond", "insurer": "tokio-marine", "name": "TokioMarine-iBeyond 2", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com/my/en/life/products/personal/protect/tokiomarine-ibeyond.html", "source_detail": "life-src/tokio-tmlife-products-jina.txt (listing). Dedicated dump life-src/tokio-ibeyond-jina.html is an Incapsula challenge page (skipped).", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "pru-prulive-well", "insurer": "pamb", "name": "PRULive Well", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://bit.ly/PRULiveWell", "source_detail": "PDS text file read: pds/pru-prulive-well-pds.txt (PDS dated 18/11/2025, valid to 18/12/2025). Non-participating plan, coverage throughout policy term; illustration: male 40 non-smoker, Basic SA RM500,000, Monthly Income Benefit RM2,000/mo (2/6 or 3/6 ADL), premium RM8,095.60/yr, coverage term 40 years, premium payment 20 years; refund of total premium at maturity; Waiver Benefit waives premiums once Monthly Income Benefit payable; no tier matrix in PDS (single illustration).", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "pru-pruterm-premier", "insurer": "pamb", "name": "PRUTerm Premier", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://bit.ly/PRUTermPremier", "source_detail": "PDS text file read: pds/pru-pruterm-premier-pds.txt (PDS dated 18/11/2025, valid to 18/12/2025). Non-participating term plan, lump sum death benefit only; illustration: male 30 non-smoker, Basic SA RM500,000, premium RM2,710.00/yr, coverage term 50 years; premium rates guaranteed; no tier matrix in PDS (single illustration).", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "pru-pruwith-you-plus", "insurer": "pamb", "name": "PRUWith You Plus", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://bit.ly/PRUWithYouPlus", "source_detail": "PDS text file read: pds/pru-pruwith-you-plus-pds.txt (PDS dated 19/11/2025, valid to 19/12/2025; pages 6-7 of 16 extracted). Regular premium ILP; illustration: male 30 non-smoker, Basic SA RM500,000, premium RM2,544.00/yr, duration 50 years (to ANB 80); death benefit = SA + Sum Assured Booster (up to +50%) + unit values; TPD to ANB 71; Longevity Benefit at ANB 101; Extension of Coverage Term to ANB 101; No-Lapse Provision first 72 months; rider details in unextracted appendices; no tier matrix in PDS (single illustration).", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-a-life-cover", "insurer": "aia", "name": "A-Life Cover", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/en/our-products/health-protection/life-protection/a-life-cover.html", "source_detail": "PDS text file read: pds/aia-a-life-cover-pds.txt (PDS dated 12/23/2025, 35 pages). 10-year term plan, death + TPD (APDC, to age 70 or term end); illustration: RM500,000 SA, RM966.00/yr, duration to age 40; Conversion Privilege to new life policy without evidence of insurability (insured age 65 or below, within 5 years before expiry); AIA Vitality Protect Booster up to +20% SA; riders incl. CI riders (APCA Accelerate/Additional, APCE, APCM, APCR) and APDC/APHI/APTAS/APAS; no waiver rider; no tier matrix in PDS (single illustration).", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-a-lifelink-2", "insurer": "aia", "name": "A-LifeLink 2", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/en/our-products/health-protection/life-protection/a-lifelink-2.html", "source_detail": "PDS text file read: pds/aia-a-lifelink2-pds.txt (PDS dated 12/22/2025, 58 pages). Regular premium ILP; illustration: RM500,000 SA, RM8,000.00/yr, duration 25 years; death benefit = SA + Anniversary Bonus (up to +20%) + Account Value; TPD to age 70; maturity at end of 25th policy year; Five Years Guaranteed Coverage; Automatic Extension of Coverage Term to age 100 (subject to sufficient Account Value); riders incl. CI riders (APBCS, APBECS, APCA, APECC, APMCC) and waiver rider A-Plus WaiverExtra (44 CI, TPD at age 70 and below); no tier matrix in PDS (single illustration).", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-a-lifesecure", "insurer": "aia", "name": "A-LifeSecure", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/en/help-support/form-library.html", "source_detail": "PDS text file read: pds/aia-a-lifesecure-pds.txt (PDS dated 12/10/2025, 17 pages). Whole life protection to age 100; death benefit 100% of Basic SA; maturity benefit 100% of Basic SA at age 100; TPD via A-Plus DisabilityCare (APDC) rider to age 65 (issued for insured age 60 and below, no extra charge to standard life); illustration: RM500,000 SA, RM5,220.00/yr; premium guaranteed; riders: APDC, A-Plus HospitalIncome, A-Plus Total AccidentShield, A-Plus AccidentShield, A-Plus CriticalCare (39 CI); no waiver rider; no tier matrix in PDS (single illustration). PDS hosted on AIA Form Library page.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "n/a", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "aia-a-lifetime-secure", "insurer": "aia", "name": "A-LifeTime Secure", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/en/help-support/form-library.html", "source_detail": "PDS text file read: pds/aia-a-lifetime-secure-pds.txt (PDS dated 12/10/2025, 17 pages). Whole life protection to age 100; death benefit 100% of Basic SA; maturity benefit 100% of Basic SA at age 100; TPD via A-Plus DisabilityCare (APDC) rider to age 65 (issued for insured age 60 and below, no extra charge to standard life); illustration: RM500,000 SA, RM5,775.00/yr; premium guaranteed; riders: APDC, A-Plus HospitalIncome, A-Plus Total AccidentShield, A-Plus AccidentShield, A-Plus CriticalCare (39 CI); no waiver rider; no tier matrix in PDS (single illustration). PDS hosted on AIA Form Library page.", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "n/a", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-everlasting-cover", "insurer": "zurich", "name": "Zurich Everlasting Cover", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.zurich.com.my/insurance-products/protection/for-my-life/zurich-everlasting-cover", "source_detail": "Zurich MY protection/for-my-life product page + PDS pds-everlasting-cover-en.pdf (dated 1 Jan 2026, healthy 30yo male non-smoker illustration). Whole life plan, Guaranteed Acceptance with no medical check-up required; coverage up to age 100; Death/TPD/GAD benefits up to 600% of Basic Sum Assured (accidental death ladders: Balik Kampung +100% BSA, Public Conveyance +200%, Overseas +300%, On-board Flight +400%, Natural Disaster +500%); Guaranteed Maturity Benefit 150% of BSA if entry age <= 40, 130% if entry age > 40; BSA selectable RM20,000-RM300,000; within first 2 policy years death/TPD/GAD (non-accident) refunds all premiums paid less indebtedness; entry age 14 days - 65 years old, policy owner at least 16; exclusions: suicide within 1 year, TPD pre-existing conditions; accidental death benefits subject to max RM10,000,000 per life; PIDM-protected (unit portion subject to limitations)", "exclusions": null, "entry_age_min": "14 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-surecover", "insurer": "zurich", "name": "Zurich SureCover", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.zurich.com.my/insurance-products/protection/for-my-life/zurich-surecover", "source_detail": "Zurich MY product page + PDS pds-surecover-en.pdf (dated 1 Jan 2026, healthy 35yo male non-smoker illustration). Whole life plan with Guaranteed Acceptance for Life Assured aged 35-70, no medical check-up required; coverage up to age 100; premium from as low as RM75/month; Death Benefit: within first 2 policy years = refund of Total Premiums Paid (without interest), after 2 years = Basic Sum Assured or Total Premiums Paid whichever higher less indebtedness; Guaranteed Accidental Death Benefit: 500% of BSA or 300% of TPP depending on attained age at death; Guaranteed Maturity Benefit at end of policy year after 100th birthday = 188% of Total Premiums Paid; page lists only these benefits - no CI or waiver riders; entry 35-70 (attained age), policyholder at least 16; PDS adds Accidental Death Benefit (ADB) and Repatriation Benefit; suicide exclusion within 1 year; PIDM-protected", "exclusions": null, "entry_age_min": 35, "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-multi-shield", "insurer": "zurich", "name": "Zurich Multi Shield", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.zurich.com.my/insurance-products/protection/for-my-life/zurich-multi-shield", "source_detail": "Zurich MY product page + PDS pds-multi-shield-100-en.pdf (dated 1 Jan 2026, healthy 30yo male non-smoker illustration). Non-participating plan covering Death, TPD (to age 70), Golden Age Disability GAD (to age 100), Accidental Death, Terminal Illness (TI) and Terminal Cancer (TC); Death/TPD/GAD/TI/TC = RM500,000 (illustration) or cash value or Total Premium paid whichever higher; protection up to 600% BSA via accidental death ladders (Balik Kampung +100%, Public Conveyance +200%, Overseas +300%, On-board Flight +400%, Natural Disaster +500% of BSA); Guaranteed Maturity Benefit 150% of BSA (entry age <= 40) or 130% of Total Premium paid (entry age > 40); 30-year coverage convertible for continuous protection; Spouse Care Privilege up to RM250,000 without medical underwriting; min entry 14 days, max entry 70 (65 for 20-year limited-pay 30-year plan); optional riders: Accidental Death Benefit & RCC, Accident Indemnity, Personal Accident, ProLife 36 Super Rider, Hospitalisation Benefit Rider, Hospital & Surgical Benefit, Special Payor Benefit, Critical Care Premium Waiver; guaranteed annualised returns 1.30% if held to maturity (PDS); premium payable guaranteed throughout premium term; suicide exclusion within 1 year; PIDM-protected", "exclusions": null, "entry_age_min": "14 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-prestige-cover", "insurer": "zurich", "name": "Zurich Prestige Cover", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.zurich.com.my/insurance-products/protection/for-my-life/zurich-prestige-cover", "source_detail": "Zurich MY product page + PDS pds-prestige-cover-en.pdf (dated 1 Jan 2026). Endowment plan with 30-year coverage term; pay for 5, 10 or 20 years and stay protected for 30; BSA selectable RM20,000-RM300,000; Death/TPD/GAD benefit = highest of 100% BSA, Total Premium Paid or Cash Value, escalating up to 600% of BSA via accidental death ladders; in the event of death/TPD/GAD (non-accident) within first 2 policy years refunds all premiums paid less indebtedness; TPD coverage to age 70 and Golden Age Disability benefit to maturity; guaranteed maturity benefit; open to anyone 14 days - 55 years old (except PPT 5 years which allows up to age 70); policyholder at least 16; accidental death benefits max RM10,000,000 per life; suicide exclusion within 1 year; PIDM-protected", "exclusions": null, "entry_age_min": "14 days old", "renew_age_max": "n/a (30-year term, plan ends at maturity)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-favour8", "insurer": "zurich", "name": "Zurich Favour8", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.zurich.com.my/insurance-products/savings/for-my-future/zurich-favour8", "source_detail": "Zurich MY savings/for-my-future product page + PDS pds-favour8-en.pdf (dated 1 Jan 2026, healthy 30yo male non-smoker). Pay 8 years only for assured 20-year coverage; Death/TPD benefit = higher of RM500k (illustration) or Total Premiums paid for Zurich Favour8 Basic less total GCB paid, plus fund value; Guaranteed Cash Back yearly from end of policy year 1 to year 20, totalling 120% of basic sum assured; Guaranteed maturity benefit = 128% of basic sum assured (illustration RM640,000) plus fund value; premium splits 70% basic and 30% saver premium invested in Global Edge Fund and Vulture Fund (95% allocation); min sum assured RM10,000, max subject to underwriting; entry age 30 days - 65 years old; optional Critical Illness Premium Waiver rider; suicide exclusion within 1 year; PIDM-protected (unit portion limited)", "exclusions": null, "entry_age_min": "30 days old", "renew_age_max": "n/a (fixed term)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-max1nvest", "insurer": "zurich", "name": "Zurich Max1nvest", "shape": "standalone", "category": "life", "summary": null, "verified_at": "2026-08-26", "source_url": "https://www.zurich.com.my/insurance-products/investment/for-my-future/zurich-max1nvest", "source_detail": "Zurich MY investment/for-my-future product page + PDS pds-max1nvest-en.pdf (dated 1 Jan 2026, healthy 30yo male non-smoker). Single-premium investment-linked plan; insurance protection + investment; Death/TPD benefit = higher of sum assured (RM500,000 in illustration) or cash value; coverage for 70 years (illustration); 95.5% of premium allocated to purchase units, 3.8% commission; access to local and foreign funds; maturity benefit = cash value; entry age 30 days - 70 years old, policyholder at least 16; exclusions: suicide within 1 year (only cash value payable), violation of law, TPD pre-existing conditions; PIDM-protected (unit portion subject to limitations)", "exclusions": null, "entry_age_min": "30 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "n/a", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "manulife-health-saver-enrich", "insurer": "manulife", "name": "Manulife Health Saver Enrich (MHSE)", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/content/dam/insurance/my/documents/products/product-disclosure-sheet/manulife-health-saver-enrich_pds.pdf", "source_detail": "Official PDS (template with <> placeholders, generated 22 Aug 2025) + official MHSE Individual Brochure (Award Update 260817, 17pp) + official product page. PDS confirms: unit-deducting medical rider on ILP (units deducted from account value into insurance risk fund for COI), cashless basis, Overall Individual Annual Limit RM3,000,000, No Lifetime Limit, R&B RM<>/day, surgical as charged, renewal guaranteed but premium rates not guaranteed, coverage starts 30 days after effective date, pre-existing excluded. Brochure confirms current tier MHSE 200 (R&B RM200/day, no day limit), deductible options RM500/1,000/5,000/10,000, annual limit RM3,000,000, no lifetime limit, pre-hosp 120 days, post-hosp 210 days (365 days for 5 critical illnesses), NCD up to 40% on insurance charges, entry ages 1-70 with renewal-only rates to attained age 98 next birthday (charge table). COVERAGE GAP: MHSE 300 and MHSE 1000 tiers discontinued effective 15 Apr 2026 (official site announcement); only MHSE 200 currently offered. PDS is a template with unfilled placeholders so deductible/coinsurance per-tier figures not disclosed in PDS itself.", "exclusions": "Pre-existing illness; specified illnesses within 120 days of Issue/Reinstatement/date of birth; conditions arising within first 30 days except accidental injuries; plastic/cosmetic surgery, Lasik; dental except accidental injury to sound natural teeth; rest cures, illegal drugs, sterilisation, venereal disease, AIDS/HIV; congenital conditions/hereditary conditions manifesting before age 17; pregnancy/childbirth/infertility; investigatory hospitalisation; non-exhaustive (see policy contract)", "entry_age_min": 1, "renew_age_max": 98, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "hla-medishield-iii", "insurer": "hla", "name": "HLA MediShield III Rider", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/content/dam/hla/products/pds/hla-medishield-iii-rider/PDS_HLA%20MediShield%20III%20Rider_ENG.pdf", "source_detail": "Official PDS (printed 06/11/2025, scanned; OCR-extracted) + official product page. PDS confirms: unit-deducting medical rider attached to investment-linked plans (units deducted from ILP account value into insurance risk fund), H&S coverage until age 80 subject to policy sustainability, R&B RM200/day, surgical as charged, annual limit RM2,500,000 inclusive of optional benefits, No Lifetime Limit, deductible RM2,500 pre-retirement / RM2,500 post-retirement, coverage starts 30 days from Issue Date except accidental injuries, specified illnesses 120 days, renewal guaranteed but premium rates not guaranteed, cashless only upon Guarantee Letter. Product page confirms: eligible age 13th week of gestation until birth, 30 days old - 65 years old; premium from RM1,300/year; coverage term up to 100 years old (base policy); 15% cashback on insurance charges when claim-free; 80% of unused R&B back; auto-increment R&B; Alternative Cancer Treatment Benefit up to RM5,000/year. COVERAGE GAP: PDS is a scanned sample (Code A8888888) with full benefit schedule only in Product Information Sheet via QR code; ICU/day surgery/outpatient/pre-post-hospitalisation figures not disclosed in PDS text. NOTE: HLA's standalone medical card alternative is HLA MedGlobal IV Plus; MediShield III is sold as an ILP rider.", "exclusions": "Pre-existing conditions (had or had symptoms of before buying); specified illnesses within 120 days from Issue Date/Alteration Effective Date/Date of Birth/Reinstatement (e.g. hypertension, diabetes); psychotic, mental or nervous disorders; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "m-health-secure", "insurer": "mcis", "name": "M-Health Secure", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/health-and-medical-protection/m-health-secure", "source_detail": "Official M-Health Secure product page + PDS + brochure (Schedule of Benefits): 5 plans (150/200/300/400/500) x 2 deductible options (RM500 or RM5,000 per policy year); OAL RM1,000,000-RM2,000,000; lifetime limit Unlimited; R&B RM150-RM500/day up to 150 days/policy year; ICU up to 150 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; entry age 30 days to 70 ANB; coverage to age 100 next birthday; renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; deductible waived for govt hospital or emergency treatment; PDS product options table compares plans (premiums not published in dataset)", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses (e.g. hypertension, diabetes mellitus, cardiovascular disease) within 120 days; diseases requiring quarantine by law; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "m-medessential", "insurer": "mcis", "name": "M-MedEssential", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/getattachment/customer-care/product-riders/M-MedEssential_EN-(1).pdf?lang=en-GB", "source_detail": "Official M-MedEssential PDS (unit deducting rider) + brochure Schedule of Benefits: 2 plans (150/200) x 2 deductible options (RM0 or RM300 per disability); OAL RM150,000/RM200,000; lifetime limit Unlimited; R&B RM150/RM200 per day up to 150 days/rider year; ICU up to 150 days; pre-hosp 90 days, post-hosp 90 days; outpatient cancer & kidney dialysis as charged; intraocular lens RM8,000/lifetime; home nursing RM3,750/RM5,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses within 120 days; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see supplementary contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "m-medpro", "insurer": "mcis", "name": "M-MedPro", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/getattachment/customer-care/product-riders/M-MedPro_EN-(1).pdf?lang=en-GB", "source_detail": "Official M-MedPro PDS (unit deducting rider) + brochure Schedule of Benefits: 3 plans (300/400/500) x 2 deductible options (RM0 or RM300 per disability); OAL RM1,000,000/RM1,500,000/RM2,000,000; lifetime limit Unlimited; R&B RM300/RM400/RM500 per day with NO limit on number of days per rider year; ICU up to 200 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; medical appliances RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses within 120 days; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see supplementary contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "allianz-health-insured", "insurer": "allianz", "name": "Allianz HealthInsured", "shape": "standalone", "category": "medical", "summary": "Comprehensive medical reimbursement plan by Allianz Life with no overall lifetime limit and annual limit up to RM5 million.", "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/medical-and-hospitalisation/healthinsured.html", "source_detail": "HealthInsured product page (fetched 25 Aug 2026): comprehensive medical reimbursement plan (Allianz Life) with annual limit up to RM5 million and no overall lifetime limit; full COVID-19 coverage (Categories 3/4/5); Allianz Care@Home; cancer coverage incl. genomic testing and extended outpatient cancer treatment; flexible deductible options with Retirement Option at age 60; medical card with cashless admission; International Second Medical Opinion; preborn child coverage from 13 to 36 weeks; page does not state entry ages, renewal terms, or channel.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": "yes", "per_disability_vs_lifetime": "not disclosed" }, { "slug": "prubsn-asas360", "insurer": "prubsn", "name": "PruBSN Asas360", "shape": "standalone", "category": "life", "summary": "Flexible regular-contribution investment-linked family takaful providing all-round protection from pre-natal to age 100, covering medical, critical illness, accidental and financial needs with optional Health360 rider without annual/lifetime limits.", "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-asas360.html", "source_detail": "ILP family takaful. Entry age: pre-natal/child 13 gestational weeks to 18; adult 19-70 ANB. Death benefit before term expiry; TPD before certificate anniversary age 70 NB. Optional benefits across medical, CI, accident, investment, charity. Health360 rider: hospitalisation + outpatient without annual/lifetime limits. Cash bonuses over time. Coverage to 100 with auto-extension. Free-look 15 days. PIDM protected.", "exclusions": "not disclosed", "entry_age_min": "13 gestational weeks (child); 19 (adult)", "renew_age_max": "Up to age 100 (auto-extension)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "prubsn-damai", "insurer": "prubsn", "name": "PruBSN Damai", "shape": "standalone", "category": "life", "summary": "Health protection solution package combining PruBSN AnugerahMax regular contribution family takaful with Medic TotalCare and riders, customisable with extension to age 100.", "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-damai.html", "source_detail": "Health protection package: PruBSN AnugerahMax regular contribution family takaful + Medic TotalCare + riders. Entry age 1-70 (10yr term or to 70: max entry 60). Lump sum on death or TPD before age 70 NB: higher of Basic Sum Covered or ISA. Waiver of regular protection contributions for remaining benefit term. Extension to 100 with sufficient cash value.", "exclusions": "not disclosed", "entry_age_min": "1", "renew_age_max": "Auto extension up to age 100", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "prubsn-lindungi", "insurer": "prubsn", "name": "PruBSN Lindungi", "shape": "standalone", "category": "life", "summary": "Affordable family takaful term protection using EPF savings (i-Lindung initiative) providing death and TPD coverage with sample Basic Sum Covered RM500,000; female 19-42 includes RM20,000 sum covered.", "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/lindungi.html", "source_detail": "Family takaful term plan providing death and TPD coverage. TPD accelerates the death benefit. Female aged 19-42 ANB: coverage includes RM20,000 sum covered. Sample 30yo male: RM500,000 BSC. Contributions payable from EPF (i-Lindung). Regular contribution term.", "exclusions": "not disclosed", "entry_age_min": "19", "renew_age_max": "Coverage to expiry age 75", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "prubsn-lindung-famili", "insurer": "prubsn", "name": "PruBSN Lindung Famili", "shape": "standalone", "category": "life", "summary": "Family takaful term providing 100% of sum covered on death or TPD plus additional Accidental Death Benefit (ADB), death coverage to expiry age 75.", "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-lindung-famili.html", "source_detail": "Family takaful term: 100% of sum covered on death or TPD, additional Accidental Death Benefit during coverage or to expiry. Death coverage up to expiry age 75. Sample illustration: 30yo male RM200,000 SC. Regular contributions.", "exclusions": "not disclosed", "entry_age_min": "1", "renew_age_max": "Death coverage to expiry age 75", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "prubsn-sinar", "insurer": "prubsn", "name": "PruBSN Sinar", "shape": "standalone", "category": "life", "summary": "Regular contribution family takaful with comprehensive critical illness coverage and income replacement, death/TPD lump sum, EduAchievement child benefit (entry 1-18).", "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-sinar.html", "source_detail": "Regular contribution family takaful. Entry 1-70 ANB; for 20-year term max entry 50. Death/TPD lump sum; comprehensive CI coverage with income replacement; EduAchievement rider for child education (entry 1-18). Surplus sharing.", "exclusions": "not disclosed", "entry_age_min": "1", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "prubsn-anggun", "insurer": "prubsn", "name": "PruBSN Anggun Protection", "shape": "standalone", "category": "life", "summary": "Women's protection investment-linked takaful covering female-specific critical illnesses, pregnancy complications, fertility treatment and mental wellbeing from RM50/month, with life-stage and Mom Care rider.", "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-anggun-protection.html", "source_detail": "First female protection plan with fertility treatment coverage. Female health, mental wellbeing and fertility support. Life Stage Benefits from marriage/study to growing family. Mom Care rider: pregnancy complications, congenital conditions, fertility support. From RM50/month. ILP with investment benefits.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "prubsn-anugerahmax", "insurer": "prubsn", "name": "PruBSN AnugerahMax", "shape": "standalone", "category": "life", "summary": "Regular contribution family takaful paying lump sum on death or TPD (higher of Basic Sum or Individual Special Account), with critical illness, hospitalisation and accident riders, entry 1-70, auto-extension to 100.", "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-anugerahmax.html", "source_detail": "Regular contribution family takaful, lump sum on death or TPD before certificate anniversary age 70 NB: higher of BSC or ISA. Entry 1-70 (10yr or to 70: max 60; 20yr term: max 50). Death and CI riders; accidental protection. Auto extension to 100 with sufficient cash value.", "exclusions": "not disclosed", "entry_age_min": "1", "renew_age_max": "Auto extension up to age 100", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "prubsn-aspirasi", "insurer": "prubsn", "name": "PruBSN Aspirasi", "shape": "standalone", "category": "life", "summary": "Savings takaful with customised protection: annual cash payouts, money-back at end of benefit term, death/TPD plus accidental and compassionate benefits, no medical checkup required.", "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-aspirasi.html", "source_detail": "Savings plan with customised protection, potential annual cash payouts that can be reinvested, money-back at end of benefit term. Death/TPD plus additional accidental benefit and compassionate benefit. No medical checkup required. Combines protection and savings (Takafulink funds). 15-day free look.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "prubsn-itekad-protection", "insurer": "prubsn", "name": "PruBSN iTekad Protection", "shape": "standalone", "category": "life", "summary": "Micro family takaful with one-time RM10 contribution providing RM10,000 death benefit (non-accidental and accidental).", "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-itekad-protection.html", "source_detail": "One-time takaful contribution RM10. Non-accidental death benefit RM10,000 plus accidental death cover. Micro-takaful social protection initiative. Coverage term per certificate.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage during coverage term", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "prubsn-kritikal-care360", "insurer": "prubsn", "name": "PruBSN Kritikal Care360", "shape": "standalone", "category": "life", "summary": "Regular contribution family takaful covering 43 Critical Illnesses with Early CI (50%), Late Stage CI (100%), terminal illness and death benefits, expiry 70/80 or 20-year term, with Living and Wellness rewards.", "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-kritikal-care60.html", "source_detail": "Regular contribution family takaful on Major CI. Early CI 50% of BSC + booster; Late Stage 100% less any paid. Terminal Illness and Death benefit. Living Reward = (Expiry Age - Entry Age - 20)% of BSC; Wellness Reward at maturity. Coverage/entry: expiry 70 (juvenile 1-18, adults 19-49); expiry 80 (1-18 / 19-59); 20yr term (1-18 / 19-60). Any age ANB.", "exclusions": "not disclosed", "entry_age_min": "1 (juvenile)", "renew_age_max": "Expiry age 70 or 80 (or 20-year term)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "prubsn-warisangold", "insurer": "prubsn", "name": "PruBSN WarisanGold", "shape": "standalone", "category": "life", "summary": "Legacy and wealth takaful with death and TPD coverage, Basic Sum up to RM4 million depending on entry age, coverage terms to 70/80/90/100 with payout every 10 certificate years and maturity value.", "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-warisangold.html", "source_detail": "Wealth and legacy takaful. Entry 14 days to 70. BSC up to RM4m depending on entry age, without medical checkup. Death + TPD coverage. Payout every 10 certificate years until end of term. Maturity value as illustrated. Charges up to 100 or max benefit term. Option to continue contributions to maturity.", "exclusions": "not disclosed", "entry_age_min": "14 days", "renew_age_max": "Coverage term 20 years or to age 70/80/90/100", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-takaful-essential-i", "insurer": "sunlife-takaful", "name": "Sun eSsential-i", "shape": "standalone", "category": "life", "summary": "Surplus sharing yearly renewable takaful term plan with coverage up to age 80, lump sum death/TPD, 2x sum covered for specified infectious diseases.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-essential-i/", "source_detail": "Yearly renewable term takaful with surplus sharing. Death/TPD: lump sum up to RM500,000; 2x basic sum covered on death/TPD due to specified infectious diseases (dengue, chikungunya, malaria, Japanese encephalitis, avian influenza, Zika). 6 plan types. No medical check-up, simple health declaration. PIDM protected.", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage to age 80", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-takaful-apex", "insurer": "sunlife-takaful", "name": "Sun Apex-i", "shape": "standalone", "category": "life", "summary": "Legacy planning and business financing universal takaful with coverage up to RM5 million, flexible contribution terms, and takaful hibah nomination.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-apex-i/", "source_detail": "Universal takaful for legacy planning and business financing. Simple enrolment, non-medical limit up to RM5M (age 18-50). Contribution payment term 3/6/10 years; contract term to age 80 or 99. Death/TPD: higher of basic sum covered or universal account value, less indebtedness. Takaful hibah nomination.", "exclusions": "not disclosed", "entry_age_min": "18 (non-medical limit to 50)", "renew_age_max": "Up to age 99", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-takaful-cover", "insurer": "sunlife-takaful", "name": "Sun Cover-i", "shape": "standalone", "category": "life", "summary": "Monthly renewable group family takaful term plan with surplus sharing providing RM60,000 death/TPD lump sum for RM15/month, no exclusion and no waiting period.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-cover-i/", "source_detail": "Monthly renewable group term takaful (PAYG basis). Death/TPD lump sum RM60,000 less indebtedness. Aggregate TPD limit RM2,000,000 across Sun Life contracts. Easy enrolment, 1 underwriting question, no exclusions, no waiting period.", "exclusions": "No exclusions; no waiting period", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-takaful-enrich-extra", "insurer": "sunlife-takaful", "name": "Sun Enrich Extra-i", "shape": "standalone", "category": "life", "summary": "Limited pay universal takaful plan that protects and grows savings, with death/TPD and accidental death/TPD benefits.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-enrich-extra-i/", "source_detail": "Limited pay universal takaful. Plan options: 5 pay/15 term, 5 pay/18 term, 10 pay/20 term, 20 pay/30 term. Easy enrolment, no underwriting for local applicants. Death/TPD within 24 months: 100% of total takaful contribution paid less cash payments; accidental causes higher.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-takaful-heritage-plus", "insurer": "sunlife-takaful", "name": "Sun Heritage Plus-i", "shape": "standalone", "category": "life", "summary": "Investment-linked takaful with up to RM5 million protection without medical check-up, loyalty booster, extension of coverage to age 99.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-heritage-plus-i/", "source_detail": "Investment-linked takaful. Death/TPD: higher of basic sum covered or total account value; additional up to 300% of basic sum on accidental death/TPD. Funeral benefit RM5,000 payable in advance. Loyalty Booster up to 12% of current BSC at end of 20th contract year or age 70, every 10 years. Coverage extended to age 99 without underwriting.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Extension of takaful coverage to age 99", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sunlife-takaful-inspirasi", "insurer": "sunlife-takaful", "name": "Sun Inspirasi", "shape": "standalone", "category": "life", "summary": "Takaful plan with hibah nomination for simpler inheritance, high coverage from RM250,000 on death/TPD, up to 3x payout on accidental death.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-inspirasi/", "source_detail": "Takaful with hibah nomination - beneficiary receives sum covered, not subject to Faraid distribution. Coverage from RM250,000 on death/TPD; higher of basic sum covered or universal value less indebtedness. Up to 3x payout on accidental death scenarios.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sun-life-takaful-istismar-extra", "insurer": "sunlife-takaful", "name": "Sun Istismar Extra", "shape": "standalone", "category": "life", "summary": "Investment-linked takaful with full contribution allocation into funds, death/TPD protection and automatic extension of coverage to age 99.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-istismar-extra/", "source_detail": "Investment-linked takaful. Full basic + top-up contribution allocated into IL funds. Extension of takaful coverage to age 99 for contract terms up to 70, 80 and 30-year fixed. Protection booster: BSC boosted 5% every 5 contract years up to 20% of BSC. No underwriting required.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Extension of coverage to age 99 (terms to 70/80/30yr)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sun-life-takaful-legacy-shield", "insurer": "sunlife-takaful", "name": "Sun Legacy Shield", "shape": "standalone", "category": "life", "summary": "Legacy-building investment-linked takaful with full contribution allocation into funds, flexible term (10/20 yr contribution to 70/80/90) and protection booster.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-legacy-shield/", "source_detail": "Investment-linked takaful for legacy building. Contribution term 10 or 20 years; contract term to age 70, 80 or 90. Full contribution allocation into IL funds. Protection booster as loyalty reward. No underwriting for extension to age 99.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Extension of takaful coverage to age 99 (term to 70/80)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sun-life-takaful-prime-link", "insurer": "sunlife-takaful", "name": "Sun Prime Link-i", "shape": "standalone", "category": "life", "summary": "Customisable investment-linked takaful with death/TPD, optional riders, flexible contributions from RM100/month and choice of IL funds.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-prime-link-i/", "source_detail": "Investment-linked takaful. Death and TPD coverage; optional riders for medical, critical illness, accident, disability. Contributions from RM100/month, variable coverage, scheduled/single top-ups and withdrawals. Wide choice of professionally managed IL funds.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sun-life-takaful-save-invest", "insurer": "sunlife-takaful", "name": "Sun Save Invest Takaful", "shape": "standalone", "category": "life", "summary": "Structured plan to grow wealth with protection: higher of sum covered (up to 125% of contribution) or investment account, entry up to 85, cover to 99 with 3-year contributions.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-save-invest-takaful/", "source_detail": "Structured savings takaful. Death/TPD: higher of sum covered (up to 125% of total contribution paid) or Investment Account value. Entry age up to 85, coverage to 99 with only 3 years of contribution. Loyalty reward: 8% of annualised contribution every 8 contract years. Guaranteed acceptance up to RM1,500,000 annualised contribution.", "exclusions": "Not disclosed", "entry_age_min": "up to 85", "renew_age_max": "Coverage to age 99", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sun-life-takaful-secure-treasure", "insurer": "sunlife-takaful", "name": "Sun Secure Treasure-i", "shape": "standalone", "category": "life", "summary": "Savings plan with flexible terms (6/10/20 pay, 20/25/30 year coverage), death/TPD and accidental benefit, increasing cash payout, maturity benefit.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-secure-treasure-i/", "source_detail": "Savings takaful: contribution 6/10/20 years; coverage 20/25/30 years. Death/TPD benefit plus additional 100% of total takaful contribution on accidental death/TPD. Increasing cash payout from universal account reinvested into IL funds. Maturity benefit at term end. Hassle-free enrolment.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sun-life-takaful-ultimate-coverage", "insurer": "sunlife-takaful", "name": "Sun Ultimate Coverage-i", "shape": "standalone", "category": "life", "summary": "Surplus sharing term takaful for business owners: 100% sum on death/TPD, +50% accidental, +3% disability allowance.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-ultimate-coverage-i/", "source_detail": "Surplus sharing term takaful. Death/TPD: 100% sum from participants tabarru fund; +50% accidental; +3% disability allowance. TPD/accidental/disability cease after 65th birthday.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "TPD benefit ceases at 65th birthday (annual)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sun-life-takaful-wealth-protect", "insurer": "sunlife-takaful", "name": "Sun Wealth Protect-i", "shape": "standalone", "category": "life", "summary": "Affordable 6-in-1 term plan from RM1.40/day with death/TPD, 36 critical illness, savings/investment goals and 4-question enrolment.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-wealth-protect-i/", "source_detail": "6-in-1 term takaful: death/TPD, critical illness (36 conditions), savings/investment goals, legacy nomination, affordable from RM1.40/day, 4-question enrolment. Income tax relief may apply.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sun-life-takaful-suninvest", "insurer": "sunlife-takaful", "name": "Suninvest-i", "shape": "standalone", "category": "life", "summary": "One-time contribution investment-linked takaful with death/TPD coverage to age 99, sum covered booster (10% every 5 years up to 50%).", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/suninvest-i/", "source_detail": "Investment-linked takaful, single contribution from RM5,000. Death/TPD: higher of BSC+booster (plus 95% top-up minus 100% withdrawals) or investment account. Sum booster +10% every 5 contract years to +50%.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage to age 99", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sun-life-takaful-mulia", "insurer": "sunlife-takaful", "name": "Takaful Mulia", "shape": "standalone", "category": "life", "summary": "Takaful with waqf element: 100% sum covered plus universal account on death/TPD, double indemnity at mosque/Hajj, 3% waqf to Yayasan Waqaf Malaysia.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/takaful-mulia/", "source_detail": "Universal takaful with waqf. Death/TPD: 100% sum + UA after 2.5% zakat. 2x for accidental death at mosque/surau or during Hajj/Umrah. Waqf: 3% contribution to YWM; +10% of sum on death/TPD.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sun-life-takaful-suria-plus", "insurer": "sunlife-takaful", "name": "Takaful Suria Plus", "shape": "standalone", "category": "life", "summary": "Takaful with 1x death/TPD, 2x while performing Hajj/Umrah, 3x on MERS death, RM1,500 special payout at 3rd contract year, universal account.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family/sunia-suria-plus/", "source_detail": "Universal family takaful: 1x sum + UA on death/TPD; 2x during Hajj/Umrah; 3x on MERS death during/30 days after Hajj; RM1,500 special payout at 3rd contract year to set up Tabung Haji savings.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sun-life-takaful-sinar-kasih", "insurer": "sunlife-takaful", "name": "Sinar Kasih", "shape": "standalone", "category": "life", "summary": "Surplus sharing takaful term with 100% death/TPD, 50% accidental, 3% disability allowance.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sinar-kasih/", "source_detail": "Surplus sharing term takaful. Death/TPD: 100% sum from tabarru fund; +50% accidental; +3% disability allowance. TPD/accidental/disability cease after 65th birthday.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "TPD ceases at 65th birthday", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "sun-life-takaful-sinar-wasilah", "insurer": "sunlife-takaful", "name": "Sinar Wasilah", "shape": "standalone", "category": "life", "summary": "Takaful with protection and investment: 3-year contribution to coverage age 99, death/TPD + accidental, peaceful giving benefit.", "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sinar-wasilah/", "source_detail": "Investment takaful with 3-year contribution to coverage 99. Death/TPD: higher of sum or IA1+IA2 (subject to juvenile lien). Accidental: 100% total contribution, 200% overseas. Peaceful giving benefit.", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage to age 99", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "etiqa-imedicalcard-elite", "insurer": "etiqa-family", "name": "i-MedicalCard Elite", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "source_detail": "pds-b/etiqa-imedicalcard-elite-pds.txt + flyer + cert", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); cosmetic/plastic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, war/terrorism, criminal acts", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "etiqa-medic-edge", "insurer": "etiqa-family", "name": "MEDIC eDGE Takaful", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "source_detail": "pds-b/etiqa-medic-edge-pds.txt (PDS template with placeholder amounts; no tier table in file) PDS is a template with placeholder amounts; no tier matrix published — tier_name set to n/a.", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; conditions within first 30 days (except accidents); criminal/illegal acts, strike, riot, terrorism, civil commotion", "entry_age_min": "not disclosed", "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "etiqa-onemedical", "insurer": "etiqa-family", "name": "OneMedical Takaful", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "source_detail": "pds-b/etiqa-onemedical-pds.txt + flyer", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); criminal/illegal acts, strike, riot, terrorism, civil commotion", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "no", "channel": "not disclosed", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "etiqa-takafulink-medical-plus", "insurer": "etiqa-family", "name": "Takafulink Medical Plus", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "source_detail": "pds-b/etiqa-takafulink-medical-plus-pds.txt + flyer", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); criminal/illegal acts, strike, riot, terrorism, civil commotion", "entry_age_min": "not disclosed", "renew_age_max": 88, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "sunlife-prime-medi-care-max-i", "insurer": "sunlife-takaful", "name": "Prime Medi Care Max-i", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/family-takaful/sun-prime-link-i/", "source_detail": "pds-b/sunlife-prime-medi-care-max-i-pds.txt + leaflet", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; conditions within first 30 days (except accidents); cosmetic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, quarantine-required diseases, war/terrorism", "entry_age_min": "not disclosed", "renew_age_max": 70, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "sunlife-sun-medimax-i", "insurer": "sunlife-takaful", "name": "Sun MediMax-i", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/family-takaful/sun-medi-max-i/", "source_detail": "pds-b/sunlife-sun-medimax-i-pds.txt + brochure", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; conditions within first 30 days (except accidents); cosmetic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, quarantine-required diseases, war/terrorism", "entry_age_min": 18, "renew_age_max": 99, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "no", "per_disability_vs_lifetime": "lifetime" }, { "slug": "fwd-medical-care-plus", "insurer": "fwd-takaful", "name": "FWD Medical Care+", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/medical-insurance-takaful/fwd-medical-care-plus", "source_detail": "fwd-medical-care-pds.txt; fwd-medical-care-brochure.txt; fwd-medical-care-faq.txt", "exclusions": "Pre-existing conditions; circumcision or foreskin surgery; dental care or surgery (except injury-necessitated, excluding replacement of natural teeth, dentures, bridges, crowns); venereal disease; HIV/AIDS-related diseases (except second medical opinion); communicable diseases requiring quarantine by law; pregnancy or pregnancy-related conditions; impotence, sterilisation, erectile dysfunction; investigation/treatment of sleep and snoring disorders; hyperhidrosis; mental or nervous disorders; self-destruction or intentional self-inflicted injury within 1 year of commencement/reinstatement; act of war, coup, revolution, riot; refractive error correction surgery; sex transformation surgery; non-exhaustive list", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "fwd-medical-rider", "insurer": "fwd-takaful", "name": "FWD Medical Rider", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/medical-insurance-takaful/fwd-medical-rider", "source_detail": "fwd-medical-rider-brochure.txt", "exclusions": "Pre-existing conditions; wilful participation in unlawful act; circumcision or foreskin surgery; dental care or surgery (except injury-necessitated, excluding replacement of natural teeth, dentures, bridges, crowns); venereal disease; HIV/AIDS-related diseases (except second medical opinion); communicable diseases requiring quarantine by law; pregnancy or pregnancy-related conditions; impotence, sterilisation, erectile dysfunction; investigation/treatment of sleep and snoring disorders; hyperhidrosis; mental or nervous disorders; self-destruction or intentional self-inflicted injury within 1 year of commencement/reinstatement; act of war, coup, revolution, riot; refractive error correction surgery; sex transformation surgery; non-exhaustive list", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "fwd-medical-plus-rider", "insurer": "fwd-takaful", "name": "FWD Medical Plus Rider", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/medical-insurance-takaful/fwd-medical-plus-rider", "source_detail": "fwd-medical-plus-rider-brochure.txt", "exclusions": "Pre-existing conditions (disability or illness existing prior to start of rider); wilful participation in unlawful act; act of war (declared or not), coup, revolution, riot; pregnancy or pregnancy-related conditions (except maternity complications benefit); congenital abnormalities or deformities including hereditary conditions; non-exhaustive list", "entry_age_min": 0, "renew_age_max": 85, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "lifetime" }, { "slug": "ge-takaful-i-medi-evolusi-rider", "insurer": "ge-takaful", "name": "i-Medi Evolusi Rider", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.greateasterntakaful.com/content/dam/corp-site/takaful/geltk/i-medi-evolusi-rider/getb-i-medi-evolusi-rider-pds.pdf", "source_detail": "Smart Medic Xtra NOT found on official GE Takaful site (greateasterntakaful.com, checked 2026-08-25; product page 404) - legacy/discontinued. Current main medical card is i-Medi Evolusi Rider; tiers below are i-Medi Evolusi Rider Plan 150/200. PDS EN/BM (WXY LWE F / (1056349) / J184 / V01 / 0125, valid 01/2025) + brochure FAQ: OAL RM1.5m/RM2m, no lifetime limit, R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs up to 5x), deductible RM500/RM3,000/RM20,000 per certificate year (retirement option; RM20k max entry ANB 50), ICU as charged unlimited days, pre-hosp 120 days, post-hosp 180 days, outpatient emergency accidental RM5,000/yr, intraocular lens RM4,000/eye max RM8,000 lifetime, govt hospital daily cash RM150/200, daily guardian RM200/day max 180 days/yr (Plan 200), organ transplant once per lifetime, 5% co-takaful up to RM500/yr outpatient, 20% co-takaful up to RM20,000/yr if The Great Journey not followed, waiting 30/120 days, entry child 14 days old / adult 16 ANB, max entry 60 ANB, cover to 80 ANB, renewal guaranteed but rates not guaranteed, rider on regular contribution term family takaful plans (not ILP).", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes); diseases requiring quarantine by law except COVID-19 for fully vaccinated or ineligible unvaccinated; non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "not disclosed" }, { "slug": "zurich-takaful-mediafya-plus", "insurer": "zurich-takaful", "name": "MediAfya+ (Zurich MediAfya+)", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/takaful-products/brochures/zgtmb-mediafya-plus-brochure-bm-eng.pdf", "source_detail": "Official product page (zurich.com.my/takaful-products/protection/for-my-health/mediafya-plus) + BM/ENG brochure (downloaded 2026-08-25): Plan 200 annual RM500,000 / Plan 300 RM1,000,000, lifetime limit unlimited, R&B RM200/300 per day unlimited days, deductible RM500 or RM5,000 per year (waived for emergency treatment except emergency accidental outpatient and govt healthcare facilities), ICU/HDU as charged max 210 days/yr, pre-hosp 90 days, post-hosp 210 days, outpatient physio within 210 days, intraocular lens RM5,000/eye once per lifetime, second medical opinion RM1,000/yr, govt hospital daily cash RM200/300, EAP additional to annual limit, entry age 30 days-70 attained, renewable yearly to age 80, rider on selected ordinary family takaful plans (Tabarru' monthly from PIA), waiting 30/120 days, exclusions: pre-existing, specified illnesses first 120 days, conditions first 30 days (except accidents), suicide, war/terrorism. PDS PDF not published on site; brochure used.", "exclusions": "Pre-existing conditions; specified illnesses occurring during first 120 days of continuous cover; medical/physical conditions arising within first 30 days of rider commencement (except accidental injuries); attempted suicide or self-inflicted injury; war, terrorism, riots, civil commotion; non-exhaustive (see Supplementary Certificate)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "a-plus-health-360-i", "insurer": "aia-public-takaful", "name": "A-Plus Health 360-i", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/content/dam/my-wise/document/health-protection-takaful/A-Plus%20Health%20360-i_Brochure_Final.pdf", "source_detail": "Official A-Plus Health 360-i brochure (0626, bilingual EN/BM) downloaded from product page https://www.aia.com.my/en/our-products/health-protection/medical-protection/a-plus-health360-i.html: 2 plans (Plan 200/Plan 300) x 2 cost saving options (RM500 deductible; RM500 deductible with SMART Option) emitted as separate objects per dataset convention; OAL RM1,500,000/RM3,000,000; lifetime limit No limit; R&B RM200/RM300 per day no day limit; ICU as charged no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious)/365 days (serious); day care procedure & surgery as charged; outpatient cancer & kidney dialysis as charged; 5% co-takaful up to RM500 per certificate year (items 9-10); SMART Option: RM500 deductible + 20% co-takaful up to RM20,000 per certificate year if SMART Hospital visit without clinic referral/specialist consultation (except emergency) or non-SMART provider treatment; deductible/co-takaful waived for emergency incl. accidents and Government healthcare facility treatment; optional rider attachable to regular contribution family takaful plan (e.g. A-Life Idaman); product page FAQ: entry age 14 days to 70 years (hero section states post-natal 14 days - 60 years), pre-natal 13-35 weeks gestation; coverage up to age 70 or 80 with automatic extension to 100; waiting periods, exclusions, renewal guarantee not stated in brochure (refer to Takaful Certificate); cashless at SMART Panel Hospitals; channel via AIA Life Planner (agent)", "exclusions": "not disclosed", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "i-am-care", "insurer": "ammetlife-takaful", "name": "i-Am Care", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.ammetlifetakaful.com/Products/Category/Health/i-Am-Care.aspx", "source_detail": "AmMetLife Takaful i-Am Care product page + PDS (ENG, 6pp) + FAQ (6pp) + Takaful Certificate (22pp) + Schedule of Contribution (2pp) downloaded from ammetlifetakaful.com: single plan (Plan 200, RM200 R&B); OAL RM100,000; lifetime limit Unlimited; RM500 deductible per certificate year (waived for items 12/17/18, emergency incl. accidents, Malaysian Government hospital treatment); no co-takaful at eligible R&B, 20% co-takaful on other benefits if staying at higher R&B; R&B max 150 days, ICU RM300/day max 75 days; pre/post hospital 60/60 days; outpatient cancer & kidney dialysis RM40,000/yr each; organ transplant RM75,000 once per lifetime; entry age 18-50 next birthday, covered up to age 55 next birthday; guaranteed yearly renewal (contributions not guaranteed, 30 days notice); waiting 30 days general / 120 days specified illnesses / none for accidents; pre-existing conditions excluded; pay first claim later, cashless via CompuMed panel hospitals; direct/online channel (agent commission RM0 per PDS); wakalah fee RM5 + 25% of contribution; PIDM protected", "exclusions": "Pre-existing conditions; specified illnesses (hypertension, diabetes mellitus, cardiovascular disease, all tumours/cancers/cysts/nodules/polyps, urinary & biliary stones, ENT conditions, hernias, haemorrhoids, fistulae, hydrocele, varicocele, endometriosis/female reproductive diseases, vertebro-spinal & knee conditions) within first 120 days; conditions within first 30 days (except accidents); plastic/cosmetic surgery, circumcision, eye examination/glasses/LASIK, external prosthetic devices (artificial limbs, hearing aids, pacemakers); dental except accidental injury to sound natural teeth; private nursing, rest cures, illegal drugs, sterilization, venereal disease, AIDS/HIV, communicable diseases requiring quarantine; congenital abnormalities/hereditary conditions; pregnancy/childbirth/miscarriage/abortion, contraception, infertility, erectile dysfunction; investigatory hospitalisation, preventive treatment, weight reduction; suicide/self-inflicted injury; war/terrorism/riots/civil commotion; nuclear radiation; organ donation costs; sleep/snoring disorders, hormone replacement therapy, alternative therapy (chiropractic, acupuncture, reflexology, massage etc.); treatment payable by other takaful or workman's compensation; psychotic/mental/nervous disorders; non-medical services (TV, telephone etc.); racing/hazardous sports, professional sports, illegal activities; private flying; gender reassignment; non-medically necessary treatment", "entry_age_min": 18, "renew_age_max": 55, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "ikhlas-basic-term-takaful", "insurer": "takaful-ikhlas", "name": "IKHLAS Basic Term Takaful", "shape": "standalone", "category": "life", "summary": "IKHLAS Basic Term Takaful is a 20-year pure protection term takaful paying a lump sum on death or total and permanent disability (TPD). It adds an extra 100% of sum covered on accidental death/TPD and an extra 50% (capped at RM100,000) for death due to dengue, with no surrender value.", "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/protection/product/ikhlas-basic-term-takaful", "source_detail": "Pure term takaful, 20-year level cover, commission-free with no surrender value/refund. Pays lump sum death and TPD benefit (100% of basic sum covered), plus additional 100% of sum covered on accidental death or accidental TPD, and additional 50% (max RM100,000) if death due to dengue. PDS illustration: RM500,000 sum covered, healthy 30-year-old male, RM2,035/year, contribution payable until age 50. Shariah concepts: Tabarru' and Wakalah. Fees: stamp duty RM10, wakalah fee 14.4%, reinstatement fee RM15, certificate charge RM4-RM48 by mode. Grace period 31 days, cooling-off 15 days. PDS dated 13/08/2026; company named in PDS is Takaful Ikhlas Family Berhad.", "exclusions": "Suicide (sane or insane) within 12 months of certificate date or reinstatement date, whichever is later; TPD caused by drug abuse or under influence of alcohol. List non-exhaustive; refer to takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ikhlas-value-term-takaful", "insurer": "takaful-ikhlas", "name": "IKHLAS Value Term Takaful", "shape": "standalone", "category": "life", "summary": "IKHLAS Value Term Takaful is a 20-year term takaful providing a lump sum death and total and permanent disability (TPD) benefit. It is a pure protection plan with no surrender value.", "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/protection/product/ikhlas-value-term-takaful", "source_detail": "Level term takaful with 20-year protection paying lump sum death and TPD benefit. PDS illustration: RM500,000 sum covered, healthy 30-year-old male, RM1,325/year, contribution payable until age 50. Shariah: Tabarru' and Wakalah. Stamp duty RM10; wakalah fee 43.6% of contribution; reinstatement fee RM15; no surrender value (no amount payable on surrender). Grace period 31 days; cooling-off 15 days. Company named in PDS is Takaful Ikhlas Family Berhad.", "exclusions": "Death benefit not payable for suicide (sane or insane) within 12 months of certificate commencement or reinstatement date, whichever is later; TPD benefit not payable if caused by drug abuse or under influence of alcohol. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ikhlas-preferred-term-takaful", "insurer": "takaful-ikhlas", "name": "IKHLAS Preferred Term Takaful", "shape": "standalone", "category": "life", "summary": "IKHLAS Preferred Term Takaful is a 20-year term takaful paying a lump sum on death, total and permanent disability (TPD), or diagnosis of any one of 36 critical illnesses. It bundles critical illness cover with term protection and carries no surrender value.", "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/protection/product/ikhlas-preferred-term-takaful", "source_detail": "20-year term takaful covering death, TPD and any one of 36 critical illnesses (CI), each paying the sum covered. PDS illustration: RM500,000 sum covered, healthy 30-year-old male, RM2,597/year, contribution until age 50. Shariah: Tabarru' and Wakalah; stamp duty RM10; wakalah fee 43.6% of contribution; reinstatement fee RM15; no surrender value. Grace period 31 days; cooling-off 15 days. Company named in PDS is Takaful Ikhlas Family Berhad.", "exclusions": "Suicide (sane or insane) within 12 months of certificate commencement or reinstatement; TPD caused by drug abuse or under influence of alcohol; CI benefit not payable for breach of law or provoked assault. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ikhlas-bersama", "insurer": "takaful-ikhlas", "name": "IKHLAS Bersama", "shape": "standalone", "category": "life", "summary": "IKHLAS Bersama is a 40-year hibah-and-protection endowment takaful that pays the sum covered plus the participant's individual fund (PIF) on death, with a wide range of optional riders, top-up and partial withdrawal features, and a maturity benefit. It is designed to support family protection and wealth building throughout life.", "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/protection/product/ikhlas-bersama", "source_detail": "Endowment (hibah & protection) takaful with 40-year protection; pays sum covered plus participant's individual fund (PIF) on death; optional riders attachable with additional tabru' deducted from PIF. Website: eligibility 30 days to 70 years (age next birthday); apply via Takaful IKHLAS agents; accelerated death expense of 10% basic sum covered up to RM20,000; death benefit of balance of sum covered + savings; riders, top-up (regular/ad-hoc), partial withdrawal and maturity benefit. PDS illustration: RM500,000, healthy 30-year-old male, RM3,162/year, contribution until age 70. Fees: wakalah 9% of contribution, certificate charge RM4-RM5/month, partial withdrawal RM50, surrender fee RM50, reinstatement RM15, surplus administration charge 50% of gross surplus, investment performance fee 30% of PIF income. Company named in PDS is Takaful Ikhlas Family Berhad.", "exclusions": "Death benefit not payable for suicide (sane or insane) within 12 months of certificate commencement date or reinstatement date, whichever is later. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "30 days", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ikhlas-impianku", "insurer": "takaful-ikhlas", "name": "IKHLAS Impianku", "shape": "standalone", "category": "life", "summary": "IKHLAS Impianku is a 30-year endowment takaful combining protection and savings, paying 200% of the basic sum covered plus PIF on death or total and permanent disability (TPD), with periodic Impian Benefit payouts every two years and a maturity benefit. It also includes an accidental death benefit.", "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/saving/product/ikhlas-impianku", "source_detail": "Endowment combining protection and savings with 30-year cover. Death benefit 200% of basic sum covered + PIF; accidental death benefit additional (100% SC? shown as RM500,000 additional); TPD 200% of sum covered + PIF; Impian Benefit paid every 2 years: 5% of sum covered at cert years 2-20, 25% at years 22-28, 80% at year 30; maturity benefit 100% of sum covered + PIF. PDS illustration (Plan 20Pay30): RM250,000 sum covered, healthy 30-year-old male, contribution until age 30. Fees: wakalah 17.8% of contribution; certificate charge RM4-RM5/month; partial withdrawal RM50; surrender RM100; surplus performance incentive 50%; investment performance fee 30% of PIF income. PIF used to pay dues if contributions missed; grace 31 days. Company named in PDS is Takaful Ikhlas Family Berhad.", "exclusions": "Suicide (sane or insane) within 12 months of certificate commencement or reinstatement; TPD benefit not payable if the person was diagnosed or had pre-existing disabilities, illnesses or injuries prior to or at entry date or any reinstatement date; accidental death benefit not payable for accidents occurring while affected by alcohol beyond the permitted limit or non-prescribed drugs. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ikhlas-ilhamku", "insurer": "takaful-ikhlas", "name": "IKHLAS Ilhamku", "shape": "standalone", "category": "life", "summary": "IKHLAS Ilhamku is a 15-year endowment takaful that blends protection and education savings, paying death benefit plus participant's individual fund (PIF) and offering education excellence rewards, a special payout, and a fund value payout at age 25. It includes an optional simple payor rider and is aimed at planning a child's education.", "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/saving/product/ikhlas-ilhamku", "source_detail": "Endowment takaful with 15-year protection designed for education planning (PDS illustration based on a healthy 10-year-old male, RM150,000 sum covered). Death benefit = sum covered + PIF (if any); Excellent Reward benefit (education RM1,000; Quran-related study RM1,500; skill-based RM1,000); Special Payout RM150 or 10% of PIF value whichever higher; Fund Value Payout RM5,000 on certificate anniversary when covered person's age next birthday (ANB) is 25; Simple Payor Rider (waiver-style rider; details in benefit illustration). Contribution duration until age 25 in the illustration. Fees: wakalah 29.7%; certificate charge RM8-RM10/month; partial withdrawal RM50; surrender RM100; reinstatement RM15; surplus administration 50%; investment performance fee 30% of PIF income. Grace 31 days. Company named in PDS is Takaful Ikhlas Family Berhad.", "exclusions": "Death benefit not payable for suicide (sane or insane) within 12 months of the certificate date or reinstatement date, whichever is later. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ikhlas-dariku", "insurer": "takaful-ikhlas", "name": "IKHLAS Dariku", "shape": "standalone", "category": "life", "summary": "IKHLAS Dariku is a 40-year endowment takaful paying the sum covered plus PIF on death, with additional death benefits for death due to cancer, accident, or while performing hajj or umrah, plus a cash reward on covered life events. It provides long-term family protection with enhanced payouts for specific causes of death.", "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/protection/product/ikhlas-dariku", "source_detail": "Endowment takaful with 40-year protection; death benefit = sum covered + PIF. Additional death benefit payouts: death due to cancer RM500,000; death due to accident RM1,000,000; death while performing hajj or umrah RM1,500,000. Cash reward RM200 payable when the person covered achieves covered life events. PDS illustration: RM500,000 sum covered, healthy 30-year-old male, contribution until age 70. Fees: wakalah 9%; certificate charge RM4-RM5/month; partial withdrawal RM50; surrender RM50; reinstatement RM15; surplus administration 50%; investment performance fee 30% of PIF income; stamp duty N/A. Grace 31 days; cooling-off 15 days. Company named in PDS is Takaful Ikhlas Family Berhad.", "exclusions": "Death benefit not payable for suicide (sane or insane) within 12 months of certificate commencement or reinstatement; additional death benefit for cancer not payable for death from pre-existing conditions arising before the certificate/reinstatement date; additional death benefit for accident not payable if death is directly or indirectly due to violation of law or resisting arrest. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ikhlas-savings-prime-takaful", "insurer": "takaful-ikhlas", "name": "IKHLAS Savings Prime Takaful", "shape": "standalone", "category": "life", "summary": "IKHLAS Savings Prime Takaful is a 40-year endowment product combining protection and savings, paying death or TPD benefits equal to the sum covered plus PIF, with additional RM500,000 death and TPD benefits if the event results from an accident in public transport or as a crime victim. It is designed for long-term accumulation with boosted accidental cover.", "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/saving/product/ikhlas-savings-prime-takaful", "source_detail": "Endowment combining protection and savings, 40-year cover; death benefit = sum covered + PIF; TPD benefit = sum covered + PIF. Additional death benefit RM500,000 if death by accident while travelling in a public conveyance or as victim of an act of crime; additional TPD benefit RM500,000 for the same accidental causes. PDS illustration: RM500,000 sum covered, healthy 30-year-old male, contribution until age 70. Fees: wakalah 21.3%; certificate charge RM6/month (all modes); stamp duty N/A; partial withdrawal RM50; surrender RM50; reinstatement RM15; surplus administration 50%; investment performance fee 30% of PIF income. Grace 31 days; cooling-off 15 days. Company named in PDS is Takaful Ikhlas Family Berhad.", "exclusions": "Death benefit not payable for suicide (sane or insane) within 12 months of certificate commencement or reinstatement date; TPD benefit not payable if caused by drug abuse or under influence of alcohol. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "ikhlas-medik", "insurer": "takaful-ikhlas", "name": "IKHLAS Medik", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.takaful-ikhlas.com.my/category/health-medical-takaful/product/ikhlas-medik", "source_detail": "Official IKHLAS Medik flyer ENG v1.1 PDF (api/uploads/IKHLAS_Medik_Flyers_v1_1_ENG_de151aa80b.pdf) schedule of benefits + product page (entry age 30 days to 70 ANB, agent channel). Waiting periods not stated in flyer; PDS not published on site.", "exclusions": "not disclosed (flyer refers to PDS and takaful certificate for full terms)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "lifetime" }, { "slug": "tmkl-medikad", "insurer": "tmkl", "name": "MediKad", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://kaotim.my/bm/product/medikad", "source_detail": "Official PDS BM (wp-content/uploads/2026/08/PDS-MediKad-BM-29072026.pdf, template with placeholders) + Sijil/CW BM (CW-Medikad-BM-20260330.pdf) benefit schedule: Standard/Pro/Max R&B 100/150/200, annual limit 550k/825k/1.1m; waiting 30/120 days; cover to 85 ANB; entry 19-69 ANB per FAQ; renewal guaranteed, contribution not guaranteed; cashless via panel", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days of continuous cover; conditions within first 30 days (except accident injuries); pregnancy/childbirth; experimental or investigative treatment", "entry_age_min": 19, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "tmkl-kaotim-legasi", "insurer": "tmkl", "name": "Kaotim Legasi", "shape": "standalone", "category": "life", "summary": "Instant-approval family takaful term plan (online, no medical check-up) with critical illness option and income replacement for Malaysians aged 19-70 (children 5-18 via parent).", "verified_at": "2026-08-26", "source_url": "https://www.takaful-malaysia.com.my/products/kaotim-legasi/", "source_detail": "Online term family takaful (Kaotim platform, Takaful Malaysia). Instant approval, no medical check-up, online underwriting questions. Critical illness coverage option providing income replacement. Fixed contribution throughout certificate term. Tax relief up to RM3,000 for family takaful. Eligibility: Malaysian 19-70 ANB (self), or parent applying for child 5-18 ANB.", "exclusions": "not disclosed", "entry_age_min": "5 (child); 19 (self)", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "tmkl-takaful-malaysia-budi", "insurer": "tmkl", "name": "Takaful Malaysia Budi", "shape": "standalone", "category": "life", "summary": "Comprehensive flexible family takaful covering death, TPD, critical illness, medical, savings and investment with 10 optional covers, hibah, income replacement and academic rewards.", "verified_at": "2026-08-26", "source_url": "https://www.takaful-malaysia.com.my/products/takaful-malaysia-budi/", "source_detail": "Comprehensive and flexible family takaful. Protection against death, total and permanent disability (TPD), critical illness, medical, savings and more. 10 additional covers to choose. Hibah nomination for death benefit. Income replacement. Investment top-ups anytime. Academic rewards for children. Eligibility: 14 days to 70 years (19+ for spouse/child). Coverage to age 25, 60, 70 or 80 depending on plan.", "exclusions": "not disclosed", "entry_age_min": "14 days", "renew_age_max": "Coverage options to age 25, 60, 70 or 99", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "tmkl-takaful-myci-cover", "insurer": "tmkl", "name": "Takaful myCI Cover", "shape": "standalone", "category": "life", "summary": "Standalone 20-year critical illness takaful paying lump sum on diagnosis/surgery of any of 39 covered critical illnesses; sum covered RM50,000-RM300,000 (RM10,000 multiples); 60-day waiting period; Malaysian citizens aged 19-45.", "verified_at": "2026-08-26", "source_url": "https://www.takaful-malaysia.com.my/products/takaful-myci-cover/", "source_detail": "20-year critical illness takaful: lump sum on diagnosis/surgery of any of 39 covered CIs (must survive 30 days after diagnosis). Coronary angioplasty/invasive treatment pays RM10,000 and reduces cover (does not terminate plan). 60-day waiting period for cancer, heart attack, coronary bypass. No medical check-up. Shariah concepts: Tabarru, Wakalah, Qard. Illustrative: 30yo male RM899/yr for RM100k.", "exclusions": "Pre-existing conditions; conditions diagnosed during waiting period; nuclear/radiation; alcohol/drug-induced; self-inflicted injuries", "entry_age_min": "19", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": 60, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "imediguard", "insurer": "tokio-marine", "name": "iMediGuard", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "icareguard", "insurer": "tokio-marine", "name": "iCareGuard", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "source_detail": "iCareGuard PDS (icareguard_pds_en.txt): unit-deducting rider, coverage up to age 60 next birthday, 30-year rider term; Critical Illness RM500,000; Admission Events RM500,000 (max RM500,000 per life); ICU admission 30%/50%/100% of Rider Sum Assured for 5-9/10-14/15+ days with essential life support; hospital admission 100% of RSA for 20+ consecutive days with surgical procedure; waiting 60 days (cancer, CABG, heart attack, serious coronary artery disease, angioplasty), 30 days (other CI and admission events); claims reduce Death/TPD benefit of basic policy proportionately; no premiums payable (unit-deducting)", "exclusions": "Pre-existing conditions; non-exhaustive (see policy contract)", "entry_age_min": "not disclosed", "renew_age_max": 60, "waiting_general_days": 30, "waiting_specified_days": 60, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "not disclosed" }, { "slug": "icareguard-plus", "insurer": "tokio-marine", "name": "iCareGuard Plus", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "source_detail": "iCareGuard Plus PDS (icareguard_plus_pds_en.txt): unit-deducting rider, coverage up to age 60 next birthday, 30-year rider term; Critical Illness RM500,000; Admission Events RM500,000 (max RM500,000 per life); ICU admission 30%/50%/100% of Rider Sum Assured for 5-9/10-14/15+ days with essential life support; hospital admission 100% of RSA for 20+ consecutive days with surgical procedure; waiting 60 days (cancer, CABG, heart attack, serious coronary artery disease, angioplasty), 30 days (other CI and admission events); no premiums payable (unit-deducting)", "exclusions": "Pre-existing conditions; non-exhaustive (see policy contract)", "entry_age_min": "not disclosed", "renew_age_max": 60, "waiting_general_days": 30, "waiting_specified_days": 60, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "not disclosed" }, { "slug": "medicdefender", "insurer": "tokio-marine", "name": "TokioMarine-MedicDefender", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "source_detail": "TokioMarine-MedicDefender PDS (medicdefender_pds_en.txt): standalone 10-year term hospitalisation income plan, Plan 1; daily hospitalisation income RM80/day normal ward (max 45 days/policy year), RM160/day ICU (max 30 days/policy year), RM240/day overseas (max 15 days/policy year); ambulance fee reimbursement RM200/year; overseas repatriation up to RM10,000; healthy reward 25% of total premiums paid at end of term less claims paid; premium RM162.00 annually (illustration); waiting 30 days (except accidents), 120 days specified illnesses; premium rate non-guaranteed", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; any medical or physical conditions arising prior or within the waiting period (except accidental injuries); plastic/cosmetic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; nuclear; organ donation; alternative therapy; non-exhaustive (see policy contract)", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "not disclosed" }, { "slug": "medsecure", "insurer": "tokio-marine", "name": "TokioMarine-MedSecure", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "source_detail": "TokioMarine-MedSecure PDS (medsecure_pds_en.txt) + brochure (medsecure_brochure.txt): standalone yearly renewable medical plan, 2 plans (100/150) x 2 deductible options (RM2,500/RM5,000); OAL RM100,000/RM500,000; lifetime limit RM1,000,000/RM5,000,000; R&B RM100/RM150 per day max 150 days per disability per policy year; pre-hosp 60 days, post-hosp 90 days; outpatient cancer RM30,000/RM300,000 per policy year; outpatient kidney dialysis RM15,000/RM300,000 per policy year; entry age 14 days to 98 next birthday, expiry age 99 next birthday; yearly guaranteed renewable; 20% NCD; no new waiting period for converters (30 days illness, 120 days specified); pay first claim later, cashless upon Guarantee Letter; exclusive to existing policy owners of eligible medical plans", "exclusions": "Pre-existing conditions; specified illnesses (hypertension, diabetes mellitus, cardiovascular disease, tumours/cancers/cysts/nodules/polyps/stones, ENT conditions, hernias/haemorrhoids/fistulae/hydrocele/varicocele, endometriosis, vertebro-spinal and knee conditions) within 120 days; conditions within 30 days except accidental injuries; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; nuclear; organ donation; alternative therapy; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 99, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "zurich-takaful-al-shams", "insurer": "zurich-takaful", "name": "Takaful Al-Shams", "shape": "standalone", "category": "life", "summary": "Takaful Al-Shams is a guaranteed acceptance family takaful plan (no medical check-ups required) covering death, Total and Permanent Disability (TPD) and Golden Age Disability (GAD). It adds General, Public Transport and Overseas accidental death benefits, a TPD Yearly Recovery Benefit, Compassionate Benefit, Family Accidental Death Benefit and Family Care Privilege. Coverage term options are 20 years, 30 years or up to age 80.", "verified_at": "2026-08-26", "source_url": "https://zurich.com.my/alshams", "source_detail": "Local artifacts: product page takaful-al-shams.txt + PDS pds/alshams-en.txt (dated 14 Nov 2025, illustration for healthy 30yo male non-smoker, RM2,118/yr, 50-year illustration). Guaranteed Acceptance plan - no medical check-ups regardless of health; Death/TPD/GAD pays higher of 100% BSC or Total Contribution Made (non-accidental within first 2 certificate years refunds all contributions less amounts due); accidental death ladders: General +100% BSC, Public Transport +200% BSC, Overseas +300% BSC (max RM10,000,000 across certificates); TPD benefit up to age 75 with GAD continuous to end of certificate; TPD Yearly Recovery 5% BSC for 5 years; Compassionate Benefit RM2,000; Family Accidental Death RM10,000 per member (from 3rd certificate year); Family Care Privilege up to 4 family members, up to 25% of BSC without medical underwriting; entry age 14 days to 60 years old (participant at least 16), coverage term 20/30 years or to age 80; no riders listed on page or PDS; juvenile lien applies to death/TPD before age 4.", "exclusions": "Death: suicide within 1 year - all contributions made refunded; TPD/GAD: any self-inflicted injuries while sane or insane; Accidental Death: violation or attempted violation of the law or resistance to arrest; list non-exhaustive (refer to Takaful Certificate)", "entry_age_min": "14 days old", "renew_age_max": "up to age 80 (coverage term)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-takaful-family-hero", "insurer": "zurich-takaful", "name": "Takaful Family Hero", "shape": "standalone", "category": "life", "summary": "Takaful Family Hero is a hibah family takaful plan comparable to conventional life insurance, with high protection payouts of up to 400% of Basic Sum Covered on death or TPD. It includes accidental death benefits (Public Transport, Overseas, Balik Kampung, Hajj), TPD Yearly Recovery Benefit, Ziarah Plus Benefit and Family Care Privilege. Coverage can be for 20 years or up to age 80, with optional KritikalCare riders and Shariah-compliant value-added services (Hajj by Proxy, Qurban, Wakaf, Charity).", "verified_at": "2026-08-26", "source_url": "https://mya.zurich.com.my/rdt/familyhero", "source_detail": "Local artifacts: product page takaful-family-hero.txt (incl. FAQ) + PDS pds/family-hero-en.txt (dated 05 Dec 2025, illustration RM4,520/yr, 50-year term). Death or TPD pays higher of 100% BSC or PIA value; TPD only up to age 75; accidental death ladders: Public Transportation +100% BSC, Overseas +100% BSC, Balik Kampung +200% BSC (accident during Malaysia National Public Holiday on a Toll Expressway), Hajj +300% BSC (Wukuf in Arafah, Tawaaf in Masjidil Haram, Sa'ie); TPD Yearly Recovery 5% BSC for 10 years; Ziarah Plus +10% BSC or max RM50,000 (heat stroke/stampede/crush, fire in public building, MERS-Cov in Saudi Arabia); Family Care Privilege up to 4 legal spouses/children, up to 25% BSC, max RM300,000 per life, no underwriting; Maturity Benefit = PIA value; no medical check-up up to RM1,500,000; contribution terms 10/20 years (min sum covered RM250,000) or throughout certificate term (min RM50,000); entry age 14 days to 70 years old (participant at least 16); Shariah: Wakalah, tabarru' to PRIA, Surplus Sharing 50:50, Ju'alah 10% of PIA investment profit.", "exclusions": "Death: suicide within 1 year from Certificate Commencement/Reinstatement Date (liability limited to PIA value); TPD: self-inflicted injuries, flight except regular scheduled commercial passenger flights, military activities; Accidental Death: self-destruction or self-inflicted injury, intoxication by alcohol/drugs, war/revolution/terrorism, armed forces or police service, racing on horses or wheels, professional sports (incl. caving, potholing, bungee jumping); MERS-Cov death before entering Saudi Arabia or >21 days after leaving Saudi Arabia; list non-exhaustive (see PDS and Takaful Certificate)", "entry_age_min": "14 days old", "renew_age_max": "up to age 80 (coverage term)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-takaful-proessential", "insurer": "zurich-takaful", "name": "Takaful ProEssential", "shape": "standalone", "category": "life", "summary": "Takaful ProEssential is a comprehensive family takaful plan providing Death, Total and Permanent Disability (TPD) and Golden Age Disability (GAD) coverage, with flexible coverage terms of 20, 30, 40 years or up to age 80. It includes Family Care Privilege, extendable coverage without health evidence within 60 days of maturity, and a range of optional riders including KritikalCare (critical illness) series, AccidentalCare and Hospital Income. It also offers Hajj by Proxy, Qurban, Wakaf and Charity value-added services.", "verified_at": "2026-08-26", "source_url": "https://mya.zurich.com.my/rdt/proessential", "source_detail": "Local artifacts: product page takaful-proessential.txt (incl. FAQ) + PDS pds/proessential-en.txt (dated 05 Dec 2025, illustration RM4,980/yr for 50-year term). Death or TPD/GAD pays 100% of BSC plus PIA value; TPD coverage to age 75, GAD adds 5 years to age 80; Family Care Privilege up to 4 family members at 25% of BSC without underwriting; coverage terms 20/30/40 years or to age 80; extension within 60 days of maturity without health evidence; riders: KritikalCare Essential Plus, KritikalCare Waiver Plus, KritikalCare Prime Plus, AccidentalCare, Disability Income, Accidental MediBill Reimbursement (ambulance RM500/accident), Hospital Income (halved for non-govt licensed private hospitals); 5% rider discount when all 3 of AccidentalCare + Disability Income + Accidental MediBill Reimbursement attached; entry age 14 days to 60 years old (participant at least 16); contribution payable throughout coverage term, not guaranteed (90 days notice for revision); PayHalal Shariah-compliant gateway; no premiums on accidental benefits; juvenile lien before age 4.", "exclusions": "Death: suicide within 1 year from Commencement/Reinstatement Date (liability limited to PIA value); TPD/GAD: self-inflicted injuries while sane or insane, flight except scheduled commercial passenger flights, military activities, war/civil war/invasion or explosions of weapons of war, pre-existing illness, unlawful/illegal acts, influence of alcohol, narcotics or drugs; list non-exhaustive (see PDS and Certificate)", "entry_age_min": "14 days old", "renew_age_max": "up to age 80 (coverage term)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-takaful-prosecure", "insurer": "zurich-takaful", "name": "Takaful ProSecure", "shape": "standalone", "category": "life", "summary": "Takaful ProSecure is an affordable family takaful plan with high protection of up to 400% of Basic Sum Covered (BSC), covering death, TPD, Golden Age Disability, Terminal Illness/Terminal Cancer and accidental death. It includes a TPD Yearly Recovery Benefit, Vital Care Benefit (contribution waiver after ICU admission) and Family Care Privilege. Coverage terms of 10, 20 or 30 years are available, with entry age subject to the chosen term.", "verified_at": "2026-08-26", "source_url": "https://zurich.com.my/prosecure", "source_detail": "Local artifacts: product page takaful-prosecure.txt + PDS pds/prosecure-en.txt (dated 13 Nov 2025, illustration RM1,530/yr for 20-year term). Death/TPD/GAD: higher of 100% BSC or Total Contribution Made; accidental death: Public Transport +200% BSC, Overseas +300% BSC; Terminal Illness/Terminal Cancer (TITC) 100% of BSC or Total Contribution Made whichever higher; Disability Support Plan: TPD to age 75, GAD continuous to end of certificate; TPD Yearly Recovery 5% BSC for 5 years; Vital Care waives contribution 6 months after ICU admission >5 consecutive days; Enhanced Family Accidental Death RM10,000 per family member (max 4) incl. parents, spouse or children; Family Care Privilege 25% BSC per member up to 4 without underwriting; coverage terms: 10 years (entry 14 days-70), 20 years (entry up to 60), 30 years (entry up to 50); participant at least 16; juvenile lien before age 4; no surrender value payable on cancellation.", "exclusions": "Death: suicide within 1 year (all contributions made refunded); pre-existing medical conditions or symptoms before participation; any self-inflicted injuries while sane or insane; list non-exhaustive (see PDS and Takaful Certificate)", "entry_age_min": "14 days old", "renew_age_max": "n/a (fixed coverage term 10/20/30 years)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-takaful-surecover", "insurer": "zurich-takaful", "name": "Takaful SureCover", "shape": "standalone", "category": "life", "summary": "Takaful SureCover is a guaranteed acceptance family takaful plan for persons aged 35 to 69 with no medical check-ups and no health questions, providing coverage up to age 90. It pays a death benefit (non-accidental refund of contributions within first 2 years, thereafter sum covered or contributions whichever higher plus PIA value) and high accidental death benefits of 200%-500% of the sum covered depending on age. A Repatriation Benefit of up to RM3,000 and a Maturity Benefit equal to the PIA value are included.", "verified_at": "2026-08-26", "source_url": "https://zurich.com.my/surecover", "source_detail": "Local artifacts: product page takaful-surecover.txt (incl. FAQ) + PDS pds/surecover-en.txt (dated 14 Nov 2025, illustration RM9,000/yr for 55-year term, healthy 30yo male non-smoker). Guaranteed Acceptance for Person Covered aged 35 to 69, no medical check-up, level contribution from RM75 per unit per month; coverage to age 90; non-accidental death: within first 2 certificate years refund of Total Contribution Made, thereafter BSC or contributions whichever higher plus PIA value; Accidental Death: 500% (ages 35-65), 300% (66-80), 200% (81-90) of BSC/contributions + PIA; Repatriation Benefit up to RM3,000; Maturity Benefit = PIA value after 90th birthday; BSC per Sum Covered Schedule by entry age/gender/units; contribution level but not guaranteed (3-month notice); Takaful via Wakalah; no riders mentioned on page or PDS.", "exclusions": "Death: if due to suicide within 1 year, only PIA Value payable; Accidental Death: violation or attempted violation of the law or resistance to arrest; list non-exhaustive (see Takaful Certificate)", "entry_age_min": "35 years old", "renew_age_max": "coverage up to age 90", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-takaful-term-80", "insurer": "zurich-takaful", "name": "Takaful Term 80", "shape": "standalone", "category": "life", "summary": "Takaful Term 80 is a flexible, level-contribution family takaful term plan providing guaranteed death and Total and Permanent Disability (TPD) coverage with 24-hour worldwide cover up to age 80. It offers flexible coverage terms from 5 years up to expiry at age 80, and pays the Participant Investment Account (PIA) value as Maturity Benefit. Optional riders include critical illness, waiver of contribution, hospital, accident and disability coverage.", "verified_at": "2026-08-26", "source_url": "https://zurich.com.my/term80", "source_detail": "Local artifacts: product page takaful-term-80.txt (incl. FAQ) + PDS pds/term-80-en.txt (dated 14 Nov 2025, illustration RM6,965/yr, 50-year term). Level contribution not guaranteed (3 months notice); Death Benefit = BSC + PIA value; TPD benefit payable if TPD occurs before age 70 = BSC + PIA; coverage terms from 5 years until expiry age 80 (e.g. entry age 67 = max 13 years); entry 30 days to 70 years old, participant/applicant at least 16; maturity benefit = PIA value only (no payment from PRIA); flexible payment channels incl. cash, cheque, credit card, auto debit, BSN Giro, internet banking (additional 2% Wakalah fee for Public Sector payments); personal tax relief up to RM6,000/yr; surplus sharing 50:50; reinstatement fee RM50; riders: Critical Illness Plus, Critical Illness Super, Waiver of Contribution (CI), Parent/Spouse Contributor Waiver, Daily Cash Benefit, Accidental Death & Dismemberment, Medical Reimbursement, Weekly Income, TPD additional (90 days from accident), Khusus Protection; tabarru' deducted monthly from PIA to PRIA.", "exclusions": "Death: if due to suicide within 1 year, only PIA value payable; TPD: misuse of drugs or alcohol; list non-exhaustive (see PDS and Takaful Certificate)", "entry_age_min": "30 days old", "renew_age_max": "up to age 80 (coverage term)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "slug": "zurich-smart-health", "insurer": "zurich", "name": "Zurich Smart Health", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/product-disclosure-sheets/pds-zurich-smart-health-eng.pdf", "source_detail": "PDS EN PDF (valid as at 01/01/26, downloaded 2026-08-25): annual limit RM1,000,000, no lifetime limit, R&B RM250/day unlimited days, deductible RM500 (Plan A)/RM5,000 (Plan B) per year waived for emergency treatment, outpatient kidney dialysis & cancer treatment and Government Healthcare Facilities; coverage starts 30 days (except accidents), specified illnesses 120 days; entry 14 days-70 attained age, coverage to age 100, renewal guaranteed but premium rates not guaranteed; cashless basis; product page https://www.zurich.com.my/insurance-products/protection/for-my-health/zurich-smart-health", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; congenital/hereditary conditions or deformities; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "zurich-icare-medic", "insurer": "zurich", "name": "Zurich iCare Medic", "shape": "standalone", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/product-disclosure-sheets/pds-zurich-icare-medic-eng.pdf", "source_detail": "PDS EN PDF (valid as at 01/01/26, downloaded 2026-08-25): annual limit RM500,000, no lifetime limit, R&B RM180/day unlimited days, deductible RM250/policy year; coverage starts 30 days (except accidents), specified illnesses 120 days; entry 14 days-70 attained age, coverage to age 100, renewal guaranteed but premium rates not guaranteed; cashless basis; product page https://www.zurich.com.my/insurance-products/protection/for-my-health/zurich-icare-medic", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; congenital/hereditary conditions or deformities; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "maxmedic", "insurer": "zurich", "name": "MaxMedic", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/contract/zlimb-maxmedic-contract.pdf", "source_detail": "Official contract PDF (downloaded 2026-08-25) + product page https://www.zurich.com.my/insurance-products/protection/for-my-health/maxmedic: unit-deducting rider on ILP; annual limits RM50k-150k, lifetime RM500k-1.5m; R&B RM110-400/day max 200 days/yr; 10% co-insurance min RM200 max RM1,000 (H&S) / max RM2,000 (outpatient); waiting 30 days general, 120 days specified; entry 14 days-70, renewal to age 80; renewable at prevailing insurance charges (guaranteed renewal not stated); cashless via MediExpress panel hospitals", "exclusions": "Pre-existing illness; specified illnesses first 120 days; medical/physical conditions first 30 days (except accidents); plastic/cosmetic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; HIV/AIDS; investigatory/preventive treatment; suicide; war/nuclear; non-exhaustive list (see contract)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "slug": "zurich-infinite-care-shield", "insurer": "zurich", "name": "Zurich InfiniteCare Shield", "shape": "ilp-rider", "category": "medical", "summary": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/brochures/2zl3579-zurich-infinitecare-shield_rev.pdf", "source_detail": "Official brochure PDF (downloaded 2026-08-25) + product page https://www.zurich.com.my/insurance-products/protection/for-my-health/zurich-infinite-care-shield: unit-deducting rider on selected regular premium ILPs; annual limits RM1.8m (Plan 300)/RM3.0m (Plan 500), no lifetime limit; deductible options per rider year Plan 300: RM0/250/5,000/50,000/100,000, Plan 500: RM250/5,000/10,000/50,000/100,000 (waived for govt hospital admission); waiting 30 days general, 90 days infectious disease, 120 days specified illness; entry 14 days-70 attained age, coverage to age 100, rider term follows basic policy subject to account value; cashless hospitalisation assistance", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; conditions first 30 days (except accidents); infectious disease benefit excluded for pre-existing conditions, drug/substance/alcohol abuse, war/terrorism, AIDS/HIV; non-exhaustive list (see policy documents)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" } ], "tiers": [ { "product": "pruvalue-med", "tier_name": "Plan 150", "annual_limit_rm": null, "lifetime_limit": "not stated", "room_board_rm": 150, "deductible_rm": 300, "coinsurance_pct": 20, "coinsurance_cap_rm": null, "copay": "Optional Med Saver RM300/1,000/3,000/5,000/10,000 (per disability) or Deductible RM20,000/50,000/75,000/100,000 (per annexure year); no fixed amount if neither chosen", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "R&B max 150 days/yr (base, leaflet 04/2026); ICU/CCU max 90 days/yr (base); pre-hosp 60 days; post-hosp 90 days (non-serious); outpatient cancer combined up to 1.5x Med Value Point per lifetime; maternity complications up to RM5,000/yr; intraocular lens up to RM6,000/lifetime; emergency accident treatment up to 10x daily R&B/yr; home nursing 180 days/lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue-Med-PDS.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; maternity complications first 365 days; non-exhaustive list (see policy contract)", "entry_age_min": 1, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS PDF sample (prepared 20 Jan 2026, SQSOnline Agency ver 8.2.0.0; sample config: MVP RM1m, R&B 200, Med Saver 300) + official leaflet 04/2026 for full R&B 150-600 tier matrix (https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue%20Med_ENG%20FA.pdf); product page https://www.prudential.com.my/en/products/medical-insurance/pruvalue-med. PRUValue Med is an ILP rider attachable to PRUWith You Plus - PAMB has no standalone medical card on prudential.com.my (PRUMillion Med 2.0 / Active 2.0 are also ILP riders). Note: leaflet 04/2026 states R&B up to 150 days/yr; product page summary states 90 days/yr. [C8 FIX 2026-08-24: lifetime limit was a sample-quote artifact (MVP RM1m); corrected to \"not stated\" — MVP is customer-selected per PDS]", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "pruvalue-med", "tier_name": "Plan 200", "annual_limit_rm": null, "lifetime_limit": "not stated", "room_board_rm": 200, "deductible_rm": 300, "coinsurance_pct": 20, "coinsurance_cap_rm": null, "copay": "Optional Med Saver RM300/1,000/3,000/5,000/10,000 (per disability) or Deductible RM20,000/50,000/75,000/100,000 (per annexure year); no fixed amount if neither chosen", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "R&B max 150 days/yr (base, leaflet 04/2026); ICU/CCU max 90 days/yr (base); pre-hosp 60 days; post-hosp 90 days (non-serious); outpatient cancer combined up to 1.5x Med Value Point per lifetime; maternity complications up to RM5,000/yr; intraocular lens up to RM6,000/lifetime; emergency accident treatment up to 10x daily R&B/yr; home nursing 180 days/lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue-Med-PDS.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; maternity complications first 365 days; non-exhaustive list (see policy contract)", "entry_age_min": 1, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS PDF sample (prepared 20 Jan 2026, SQSOnline Agency ver 8.2.0.0; sample config: MVP RM1m, R&B 200, Med Saver 300) + official leaflet 04/2026 for full R&B 150-600 tier matrix (https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue%20Med_ENG%20FA.pdf); product page https://www.prudential.com.my/en/products/medical-insurance/pruvalue-med. PRUValue Med is an ILP rider attachable to PRUWith You Plus - PAMB has no standalone medical card on prudential.com.my (PRUMillion Med 2.0 / Active 2.0 are also ILP riders). Note: leaflet 04/2026 states R&B up to 150 days/yr; product page summary states 90 days/yr. [C8 FIX 2026-08-24: lifetime limit was a sample-quote artifact (MVP RM1m); corrected to \"not stated\" — MVP is customer-selected per PDS]", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "pruvalue-med", "tier_name": "Plan 300", "annual_limit_rm": null, "lifetime_limit": "not stated", "room_board_rm": 300, "deductible_rm": 300, "coinsurance_pct": 20, "coinsurance_cap_rm": null, "copay": "Optional Med Saver RM300/1,000/3,000/5,000/10,000 (per disability) or Deductible RM20,000/50,000/75,000/100,000 (per annexure year); no fixed amount if neither chosen", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "R&B max 150 days/yr (base, leaflet 04/2026); ICU/CCU max 90 days/yr (base); pre-hosp 60 days; post-hosp 90 days (non-serious); outpatient cancer combined up to 1.5x Med Value Point per lifetime; maternity complications up to RM5,000/yr; intraocular lens up to RM6,000/lifetime; emergency accident treatment up to 10x daily R&B/yr; home nursing 180 days/lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue-Med-PDS.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; maternity complications first 365 days; non-exhaustive list (see policy contract)", "entry_age_min": 1, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS PDF sample (prepared 20 Jan 2026, SQSOnline Agency ver 8.2.0.0; sample config: MVP RM1m, R&B 200, Med Saver 300) + official leaflet 04/2026 for full R&B 150-600 tier matrix (https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue%20Med_ENG%20FA.pdf); product page https://www.prudential.com.my/en/products/medical-insurance/pruvalue-med. PRUValue Med is an ILP rider attachable to PRUWith You Plus - PAMB has no standalone medical card on prudential.com.my (PRUMillion Med 2.0 / Active 2.0 are also ILP riders). Note: leaflet 04/2026 states R&B up to 150 days/yr; product page summary states 90 days/yr. [C8 FIX 2026-08-24: lifetime limit was a sample-quote artifact (MVP RM1m); corrected to \"not stated\" — MVP is customer-selected per PDS]", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "pruvalue-med", "tier_name": "Plan 400", "annual_limit_rm": null, "lifetime_limit": "not stated", "room_board_rm": 400, "deductible_rm": 300, "coinsurance_pct": 20, "coinsurance_cap_rm": null, "copay": "Optional Med Saver RM300/1,000/3,000/5,000/10,000 (per disability) or Deductible RM20,000/50,000/75,000/100,000 (per annexure year); no fixed amount if neither chosen", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "R&B max 150 days/yr (base, leaflet 04/2026); ICU/CCU max 90 days/yr (base); pre-hosp 60 days; post-hosp 90 days (non-serious); outpatient cancer combined up to 1.5x Med Value Point per lifetime; maternity complications up to RM5,000/yr; intraocular lens up to RM6,000/lifetime; emergency accident treatment up to 10x daily R&B/yr; home nursing 180 days/lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue-Med-PDS.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; maternity complications first 365 days; non-exhaustive list (see policy contract)", "entry_age_min": 1, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS PDF sample (prepared 20 Jan 2026, SQSOnline Agency ver 8.2.0.0; sample config: MVP RM1m, R&B 200, Med Saver 300) + official leaflet 04/2026 for full R&B 150-600 tier matrix (https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue%20Med_ENG%20FA.pdf); product page https://www.prudential.com.my/en/products/medical-insurance/pruvalue-med. PRUValue Med is an ILP rider attachable to PRUWith You Plus - PAMB has no standalone medical card on prudential.com.my (PRUMillion Med 2.0 / Active 2.0 are also ILP riders). Note: leaflet 04/2026 states R&B up to 150 days/yr; product page summary states 90 days/yr. [C8 FIX 2026-08-24: lifetime limit was a sample-quote artifact (MVP RM1m); corrected to \"not stated\" — MVP is customer-selected per PDS]", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "pruvalue-med", "tier_name": "Plan 500", "annual_limit_rm": null, "lifetime_limit": "not stated", "room_board_rm": 500, "deductible_rm": 300, "coinsurance_pct": 20, "coinsurance_cap_rm": null, "copay": "Optional Med Saver RM300/1,000/3,000/5,000/10,000 (per disability) or Deductible RM20,000/50,000/75,000/100,000 (per annexure year); no fixed amount if neither chosen", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "R&B max 150 days/yr (base, leaflet 04/2026); ICU/CCU max 90 days/yr (base); pre-hosp 60 days; post-hosp 90 days (non-serious); outpatient cancer combined up to 1.5x Med Value Point per lifetime; maternity complications up to RM5,000/yr; intraocular lens up to RM6,000/lifetime; emergency accident treatment up to 10x daily R&B/yr; home nursing 180 days/lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue-Med-PDS.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; maternity complications first 365 days; non-exhaustive list (see policy contract)", "entry_age_min": 1, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS PDF sample (prepared 20 Jan 2026, SQSOnline Agency ver 8.2.0.0; sample config: MVP RM1m, R&B 200, Med Saver 300) + official leaflet 04/2026 for full R&B 150-600 tier matrix (https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue%20Med_ENG%20FA.pdf); product page https://www.prudential.com.my/en/products/medical-insurance/pruvalue-med. PRUValue Med is an ILP rider attachable to PRUWith You Plus - PAMB has no standalone medical card on prudential.com.my (PRUMillion Med 2.0 / Active 2.0 are also ILP riders). Note: leaflet 04/2026 states R&B up to 150 days/yr; product page summary states 90 days/yr. [C8 FIX 2026-08-24: lifetime limit was a sample-quote artifact (MVP RM1m); corrected to \"not stated\" — MVP is customer-selected per PDS]", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "pruvalue-med", "tier_name": "Plan 600", "annual_limit_rm": null, "lifetime_limit": "not stated", "room_board_rm": 600, "deductible_rm": 300, "coinsurance_pct": 20, "coinsurance_cap_rm": null, "copay": "Optional Med Saver RM300/1,000/3,000/5,000/10,000 (per disability) or Deductible RM20,000/50,000/75,000/100,000 (per annexure year); no fixed amount if neither chosen", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "R&B max 150 days/yr (base, leaflet 04/2026); ICU/CCU max 90 days/yr (base); pre-hosp 60 days; post-hosp 90 days (non-serious); outpatient cancer combined up to 1.5x Med Value Point per lifetime; maternity complications up to RM5,000/yr; intraocular lens up to RM6,000/lifetime; emergency accident treatment up to 10x daily R&B/yr; home nursing 180 days/lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue-Med-PDS.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; maternity complications first 365 days; non-exhaustive list (see policy contract)", "entry_age_min": 1, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS PDF sample (prepared 20 Jan 2026, SQSOnline Agency ver 8.2.0.0; sample config: MVP RM1m, R&B 200, Med Saver 300) + official leaflet 04/2026 for full R&B 150-600 tier matrix (https://www.prudential.com.my/content/dam/prudential-aem-lbu/pamb/pdf/en/products/Medical-Insurance/PRUValue%20Med_ENG%20FA.pdf); product page https://www.prudential.com.my/en/products/medical-insurance/pruvalue-med. PRUValue Med is an ILP rider attachable to PRUWith You Plus - PAMB has no standalone medical card on prudential.com.my (PRUMillion Med 2.0 / Active 2.0 are also ILP riders). Note: leaflet 04/2026 states R&B up to 150 days/yr; product page summary states 90 days/yr. [C8 FIX 2026-08-24: lifetime limit was a sample-quote artifact (MVP RM1m); corrected to \"not stated\" — MVP is customer-selected per PDS]", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "health360", "tier_name": "Plan 200", "annual_limit_rm": null, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 1000, "coinsurance_pct": 10, "coinsurance_cap_rm": 5000, "copay": "Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "120/120", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 150 days/rider yr; ICU/CCU max 150 days/rider yr; pre/post-hosp 120 days each; outpatient kidney dialysis up to 1.5x SVP per lifetime; mental care up to RM5,000/rider yr (R&B 300+ only); home nursing max 180 days/lifetime; intraocular lens up to RM8,000/lifetime; top child illnesses up to RM2,000/disability (max 3/rider yr, under 19); govt hospital daily cash RM100/day; emergency accident up to 10x daily R&B/rider yr; SMO Malaysia RM1,000/yr", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/shared/pdf/products/basic-plans-pds/prubsn-asas360-and-riders/Static%20PDS_PTD_PruBSN%20Asas360_Health360_EN.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; mental care first 180 days; pregnancy/childbirth; congenital abnormalities; elective cosmetic surgery; dental (except accident); experimental treatment; HIV/AIDS; psychiatric/mental disorders (except covered mental care); non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS PDF (sample: Plan 200, Co-Payment Auto-Switch; image-based PDF, OCR-extracted) + official brochure May 2025 for full R&B 200-1,000 tier matrix (https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/en/product/riders---medical/health360/PruBSN-Health360_brochure-r12-FINAL-HI-ENG.pdf); product page https://www.prubsn.com.my/en/products/riders/medical/health360. Health360 is a Unit Deducting Rider attachable to PruBSN Asas360 - the current family takaful medical rider (successor to Takafulink Medical).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "health360", "tier_name": "Plan 300", "annual_limit_rm": null, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 1000, "coinsurance_pct": 10, "coinsurance_cap_rm": 5000, "copay": "Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "120/120", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 150 days/rider yr; ICU/CCU max 150 days/rider yr; pre/post-hosp 120 days each; outpatient kidney dialysis up to 1.5x SVP per lifetime; mental care up to RM5,000/rider yr (R&B 300+ only); home nursing max 180 days/lifetime; intraocular lens up to RM8,000/lifetime; top child illnesses up to RM2,000/disability (max 3/rider yr, under 19); govt hospital daily cash RM100/day; emergency accident up to 10x daily R&B/rider yr; SMO Malaysia RM1,000/yr", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/shared/pdf/products/basic-plans-pds/prubsn-asas360-and-riders/Static%20PDS_PTD_PruBSN%20Asas360_Health360_EN.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; mental care first 180 days; pregnancy/childbirth; congenital abnormalities; elective cosmetic surgery; dental (except accident); experimental treatment; HIV/AIDS; psychiatric/mental disorders (except covered mental care); non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS PDF (sample: Plan 200, Co-Payment Auto-Switch; image-based PDF, OCR-extracted) + official brochure May 2025 for full R&B 200-1,000 tier matrix (https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/en/product/riders---medical/health360/PruBSN-Health360_brochure-r12-FINAL-HI-ENG.pdf); product page https://www.prubsn.com.my/en/products/riders/medical/health360. Health360 is a Unit Deducting Rider attachable to PruBSN Asas360 - the current family takaful medical rider (successor to Takafulink Medical).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "health360", "tier_name": "Plan 400", "annual_limit_rm": null, "lifetime_limit": "unlimited", "room_board_rm": 400, "deductible_rm": 1000, "coinsurance_pct": 10, "coinsurance_cap_rm": 5000, "copay": "Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "120/120", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 150 days/rider yr; ICU/CCU max 150 days/rider yr; pre/post-hosp 120 days each; outpatient kidney dialysis up to 1.5x SVP per lifetime; mental care up to RM5,000/rider yr (R&B 300+ only); home nursing max 180 days/lifetime; intraocular lens up to RM8,000/lifetime; top child illnesses up to RM2,000/disability (max 3/rider yr, under 19); govt hospital daily cash RM100/day; emergency accident up to 10x daily R&B/rider yr; SMO Malaysia RM1,000/yr", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/shared/pdf/products/basic-plans-pds/prubsn-asas360-and-riders/Static%20PDS_PTD_PruBSN%20Asas360_Health360_EN.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; mental care first 180 days; pregnancy/childbirth; congenital abnormalities; elective cosmetic surgery; dental (except accident); experimental treatment; HIV/AIDS; psychiatric/mental disorders (except covered mental care); non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS PDF (sample: Plan 200, Co-Payment Auto-Switch; image-based PDF, OCR-extracted) + official brochure May 2025 for full R&B 200-1,000 tier matrix (https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/en/product/riders---medical/health360/PruBSN-Health360_brochure-r12-FINAL-HI-ENG.pdf); product page https://www.prubsn.com.my/en/products/riders/medical/health360. Health360 is a Unit Deducting Rider attachable to PruBSN Asas360 - the current family takaful medical rider (successor to Takafulink Medical).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "health360", "tier_name": "Plan 500", "annual_limit_rm": null, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": 1000, "coinsurance_pct": 10, "coinsurance_cap_rm": 5000, "copay": "Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "120/120", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 150 days/rider yr; ICU/CCU max 150 days/rider yr; pre/post-hosp 120 days each; outpatient kidney dialysis up to 1.5x SVP per lifetime; mental care up to RM5,000/rider yr (R&B 300+ only); home nursing max 180 days/lifetime; intraocular lens up to RM8,000/lifetime; top child illnesses up to RM2,000/disability (max 3/rider yr, under 19); govt hospital daily cash RM100/day; emergency accident up to 10x daily R&B/rider yr; SMO Malaysia RM1,000/yr", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/shared/pdf/products/basic-plans-pds/prubsn-asas360-and-riders/Static%20PDS_PTD_PruBSN%20Asas360_Health360_EN.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; mental care first 180 days; pregnancy/childbirth; congenital abnormalities; elective cosmetic surgery; dental (except accident); experimental treatment; HIV/AIDS; psychiatric/mental disorders (except covered mental care); non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS PDF (sample: Plan 200, Co-Payment Auto-Switch; image-based PDF, OCR-extracted) + official brochure May 2025 for full R&B 200-1,000 tier matrix (https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/en/product/riders---medical/health360/PruBSN-Health360_brochure-r12-FINAL-HI-ENG.pdf); product page https://www.prubsn.com.my/en/products/riders/medical/health360. Health360 is a Unit Deducting Rider attachable to PruBSN Asas360 - the current family takaful medical rider (successor to Takafulink Medical).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "health360", "tier_name": "Plan 1000", "annual_limit_rm": null, "lifetime_limit": "unlimited", "room_board_rm": 1000, "deductible_rm": 1000, "coinsurance_pct": 10, "coinsurance_cap_rm": 5000, "copay": "Deductible RM500/1,000/3,000; 10% Co-takaful (min RM1,000, max RM5,000); Auto-switch (10% co-takaful yrs 1-5 then Deductible RM1,000); High Deductible RM10,000/50,000", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "120/120", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 150 days/rider yr; ICU/CCU max 150 days/rider yr; pre/post-hosp 120 days each; outpatient kidney dialysis up to 1.5x SVP per lifetime; mental care up to RM5,000/rider yr (R&B 300+ only); home nursing max 180 days/lifetime; intraocular lens up to RM8,000/lifetime; top child illnesses up to RM2,000/disability (max 3/rider yr, under 19); govt hospital daily cash RM100/day; emergency accident up to 10x daily R&B/rider yr; SMO Malaysia RM1,000/yr", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/shared/pdf/products/basic-plans-pds/prubsn-asas360-and-riders/Static%20PDS_PTD_PruBSN%20Asas360_Health360_EN.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; other medical/physical conditions first 30 days; mental care first 180 days; pregnancy/childbirth; congenital abnormalities; elective cosmetic surgery; dental (except accident); experimental treatment; HIV/AIDS; psychiatric/mental disorders (except covered mental care); non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS PDF (sample: Plan 200, Co-Payment Auto-Switch; image-based PDF, OCR-extracted) + official brochure May 2025 for full R&B 200-1,000 tier matrix (https://www.prubsn.com.my/content/dam/prudential-aem-lbu/pbtb/en/product/riders---medical/health360/PruBSN-Health360_brochure-r12-FINAL-HI-ENG.pdf); product page https://www.prubsn.com.my/en/products/riders/medical/health360. Health360 is a Unit Deducting Rider attachable to PruBSN Asas360 - the current family takaful medical rider (successor to Takafulink Medical).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "aia-public-i-one-plan", "tier_name": "AIA i-One Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 55, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "no", "ci_conditions": "not disclosed", "waiver_rider": "no", "policy_term_years": 1, "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individual/online/aia-i-one-plan.html", "exclusions": "not disclosed", "entry_age_min": "16", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Online family takaful plan. Coverage period 1 year, eligible age 16-55. Death benefit: lump sum to loved ones. TPD benefit included. Sold online (AIA MY online takaful).", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-public-i-starter-plan", "tier_name": "AIA i-Starter Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 55, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "no", "policy_term_years": 1, "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/aia-i-starter-plan.html", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Online family takaful protection plan. Coverage period 1 year, eligible age 16-55. Provides lump sum payment on death. Linked to Amanah Tenang initiative. PDS and takaful certificate available online.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-public-a-life-idaman", "tier_name": "A Life Idaman", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-life-idaman.html", "exclusions": "not disclosed", "entry_age_min": "Pre-natal: 13-35 weeks gestation; post-natal: 14 days", "renew_age_max": "Up to 70 or 80 years old with auto-extension to age 100", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Family takaful plan. Your family receives a lump sum payment in the event of demise; get 200% of sum covered for death due to accident. Eligible age: pre-natal 13-35 weeks gestation; post-natal 14 days-60 years old. Coverage up to 70 or 80 with auto-extension to age 100. Product brochure and benefits listed on product page. Accidental death: 200% of sum covered.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-public-a-life-joy-xtra", "tier_name": "A Life Joy Xtra", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-life-joy-xtra.html", "exclusions": "not disclosed", "entry_age_min": "Pre-natal: 13-35 weeks; post-natal: 14 days", "renew_age_max": "Up to 70, 80 or 100 years old; auto-extension to age 100", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Plan for parent and child. Coverage up to 70, 80 or 100 years old. Eligible age pre-natal 13-35 weeks gestation; post-natal 14 days-15 years. Withdraw from Automatic Extension of Coverage Term before maturity. Basic plan and attaching riders including A-Plus Health360 continue up to age 100 if sufficient account value to deduct charges.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-public-a-life-legasi-beyond", "tier_name": "A Life Legasi Beyond", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-life-legasi-beyond.html", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage period up to 70 or 80 years old", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Investment-linked takaful. Eligible age 14 days-70 years. Coverage period up to 70 or 80. In the event of death due to natural disaster, loved ones receive up to 6 times coverage amount.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-public-a-life-sejuta-makna", "tier_name": "A Life Sejuta Makna", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "Minimum RM350,000", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-life-sejuta-makna.html", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage period 10 years, 20 years or to age 60", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "High takaful protection with minimum of RM350,000 to create a better future for loved ones. Coverage period 10 years, 20 years or up to age 60. Eligible age 16-70.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-public-a-enrich-rezeki", "tier_name": "A-Enrich Rezeki", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-enrich-rezeki.html", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage 20 years", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Savings and investment plan with unforeseen incident coverage. Eligible age 14 days-60 years, coverage period 20 years. Account Value grows with yearly Investment Booster credited into Participants Investment Fund and then invested.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-public-a-enrich-gold-i", "tier_name": "A-EnrichGold-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-enrich-gold-i.html", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage period up to 30 years", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Short-pay takaful savings plan. Option to pay 10 years for 25 years protection or 20 years for 30 years. Eligible age 14 days-65 years. Guaranteed maturity value up to 150% of coverage amount depending on plan, plus potential investment upside.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-public-a-plus-infaq", "tier_name": "A-Plus Infaq", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-plus-infaq.html", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage period up to 70 or 80 years old", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Wealth and legacy planning. Coverage amount paid to a charitable organisation of your choice upon demise or TPD. Eligible age 14 days to 70 years old. Coverage period up to 70 or 80 years old.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-public-a-plus-parentcare-xtra-i", "tier_name": "A-Plus ParentCare Xtra-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.aia.com.my/en/takaful/individuals/a-plus-parentcare-xtra-i.html", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Covered until Person Covered is 25 years old", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Parent-child takaful plan. Get 100% of sum covered in event of parent's death. Eligible age 18-60 years. Coverage continues until person covered reaches 25 years old.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "a-plus-health-2", "tier_name": "Plan 200", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 500, "coinsurance_pct": 20, "coinsurance_cap_rm": 20000, "copay": "RM500 deductible per any one disability (in-patient items 1-3) with SMART Option; plus 20% coinsurance up to RM20,000 per disability (items 1-5, 7) if no GP referral, no specialist consultation, or treatment not via SMART Medical Practitioner at SMART Panel Provider; deductible/coinsurance not applied to emergency treatment incl. accidents, post-hospitalisation cancer & kidney dialysis treatment, or Government healthcare facility treatment; brochure (0626) shows alternative Cost Saving Option of RM20,000 deductible per year with auto conversion to RM500 per disability at age 60", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "Optical support (intraocular lenses) up to RM7,000/lifetime; specified maternity complications up to RM10,000/lifetime; outpatient illness treatment (bronchitis, dengue, influenza, pneumonia) up to RM2,000 per disability; home nursing care up to RM4,000 per confinement, max 180 days/lifetime; emergency medical evacuation & repatriation up to USD 1,000,000 per event; mental health benefit up to RM1,500/year; no-claim bonus RM1,500 per year into Health Wallet (up to 10 times); health screening up to RM500/year or RM1,000/2 years; vaccination up to RM500/year; in-hospital physician visits max 2/day; R&B and ICU no day limits", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my", "exclusions": "Pre-existing illness; specified illnesses (hypertension, diabetes, cardiovascular disease, tumours/cysts/nodules/polyps, urinary/biliary stones, ENT diseases, hernias, haemorrhoids, fistulae, hydrocele, varicocele, reproductive system diseases, spine/knee disorders) within 120 days; congenital/neo-natal abnormalities (except Special Care Benefit); self-destruction/self-inflicted injury; war/riots/civil commotion; pregnancy/miscarriage/childbirth (except covered maternity complications after 1 year); mental/nervous disorders (except Mental Health Benefit); alcoholism/drug abuse; elective/plastic/cosmetic surgery (except due to accident or cancer); circumcision; corrective glasses/contact lenses; dental care (except accidental injury); non-medically necessary treatment; nuclear radiation; organ donation; overseas treatment after 90 consecutive days outside Malaysia (except Singapore/Brunei); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "A-Plus Health 2 brochure (0626) + A-Plus Health 2 PDS embedded in A-LifeLink 2 PDS (12/22/2025, pp.52-58): 2 plans (Plan 200/Plan 300); OAL RM1,500,000/RM1,700,000; lifetime limit No Limit; R&B RM200/RM300 per day, no day limit; ICU no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious) / 365 days (serious); outpatient cancer & kidney dialysis as charged; PDS Cost Saving Option RM500 deductible per any one disability (items 1-3) with SMART Option plus conditional 20% coinsurance up to RM20,000 per disability (no GP referral / no specialist consultation / non-SMART panel treatment); brochure (0626) shows alternative Cost Saving Option RM20,000 deductible per year with auto conversion at age 60; entry age 14 days to 70 years (pre-born 13-35 weeks gestation with 30-day waiting from birth); coverage up to age 70/80/100 or 25 years per selection; renewal guaranteed but COI not guaranteed; waiting 30 days general, 120 days specified illnesses; cashless at AIA panel hospitals / pay-first-claim-later for non-panel; UDR - units deducted from ILP account value for COI; no-claim bonus RM1,500/RM1,700 per year into Health Wallet (up to 10x)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "a-plus-health-2", "tier_name": "Plan 300", "annual_limit_rm": 1700000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 500, "coinsurance_pct": 20, "coinsurance_cap_rm": 20000, "copay": "RM500 deductible per any one disability (in-patient items 1-3) with SMART Option; plus 20% coinsurance up to RM20,000 per disability (items 1-5, 7) if no GP referral, no specialist consultation, or treatment not via SMART Medical Practitioner at SMART Panel Provider; deductible/coinsurance not applied to emergency treatment incl. accidents, post-hospitalisation cancer & kidney dialysis treatment, or Government healthcare facility treatment; brochure (0626) shows alternative Cost Saving Option of RM20,000 deductible per year with auto conversion to RM500 per disability at age 60", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "Optical support (intraocular lenses) up to RM7,000/lifetime; specified maternity complications up to RM10,000/lifetime; outpatient illness treatment (bronchitis, dengue, influenza, pneumonia) up to RM3,000 per disability; home nursing care up to RM6,000 per confinement, max 180 days/lifetime; emergency medical evacuation & repatriation up to USD 1,000,000 per event; mental health benefit up to RM1,500/year; no-claim bonus RM1,700 per year into Health Wallet (up to 10 times); health screening up to RM500/year or RM1,000/2 years; vaccination up to RM500/year; in-hospital physician visits max 2/day; R&B and ICU no day limits", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my", "exclusions": "Pre-existing illness; specified illnesses (hypertension, diabetes, cardiovascular disease, tumours/cysts/nodules/polyps, urinary/biliary stones, ENT diseases, hernias, haemorrhoids, fistulae, hydrocele, varicocele, reproductive system diseases, spine/knee disorders) within 120 days; congenital/neo-natal abnormalities (except Special Care Benefit); self-destruction/self-inflicted injury; war/riots/civil commotion; pregnancy/miscarriage/childbirth (except covered maternity complications after 1 year); mental/nervous disorders (except Mental Health Benefit); alcoholism/drug abuse; elective/plastic/cosmetic surgery (except due to accident or cancer); circumcision; corrective glasses/contact lenses; dental care (except accidental injury); non-medically necessary treatment; nuclear radiation; organ donation; overseas treatment after 90 consecutive days outside Malaysia (except Singapore/Brunei); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "A-Plus Health 2 brochure (0626) + A-Plus Health 2 PDS embedded in A-LifeLink 2 PDS (12/22/2025, pp.52-58): 2 plans (Plan 200/Plan 300); OAL RM1,500,000/RM1,700,000; lifetime limit No Limit; R&B RM200/RM300 per day, no day limit; ICU no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious) / 365 days (serious); outpatient cancer & kidney dialysis as charged; PDS Cost Saving Option RM500 deductible per any one disability (items 1-3) with SMART Option plus conditional 20% coinsurance up to RM20,000 per disability (no GP referral / no specialist consultation / non-SMART panel treatment); brochure (0626) shows alternative Cost Saving Option RM20,000 deductible per year with auto conversion at age 60; entry age 14 days to 70 years (pre-born 13-35 weeks gestation with 30-day waiting from birth); coverage up to age 70/80/100 or 25 years per selection; renewal guaranteed but COI not guaranteed; waiting 30 days general, 120 days specified illnesses; cashless at AIA panel hospitals / pay-first-claim-later for non-panel; UDR - units deducted from ILP account value for COI; no-claim bonus RM1,500/RM1,700 per year into Health Wallet (up to 10x)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "a-plus-health-360", "tier_name": "Standard (Deductible RM500 per rider year)", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 500, "coinsurance_pct": 5, "coinsurance_cap_rm": 500, "copay": "Deductible RM500 per rider year (in-patient items 1-9); 5% coinsurance up to RM500 per rider year (out-patient items 10-11); deductible and coinsurance waived for emergency treatment incl. accidents and treatment at Government healthcare facilities; coinsurance amount offsets deductible in a rider year and vice versa", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "Optical support (intraocular lenses) up to RM7,000/lifetime; specified maternity complications up to RM10,000/lifetime; home nursing care up to RM6,000 per confinement, max 180 days/lifetime; emergency medical evacuation & repatriation up to USD 1,000,000 per event; outpatient physiotherapy max 8 sessions within 60 days after specialist referral; primary care up to RM50/visit, 3 visits/rider year; prevention & primary care combined up to RM1,000 every 2 rider years; mental health benefit up to RM1,500/rider year; no-claim bonus RM2,500/rider year into Health Wallet (up to 10 times); preferred panel bonus RM1,000/rider year; hospitalisation care benefit via AIA Vitality RM150-RM1,000 (SMART panel) / RM250-RM500 (other hospitals); R&B and ICU no day limits", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "source_detail": "Official A-Plus Health 360 brochure (0626): single plan (no plan tiers) with 3 Cost Saving Options emitted as separate objects per dataset convention; OAL RM3,000,000; lifetime limit No Limit; R&B RM300/day no day limit; ICU no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious) / 365 days (serious); outpatient cancer & kidney dialysis as charged; day care procedure & surgery as charged; primary care up to RM50/visit, 3 visits/rider year; no-claim bonus RM2,500/rider year into Health Wallet (up to 10x); preferred panel bonus RM1,000/rider year; entry age, waiting periods, exclusions, renewal not stated in brochure (refer to policy contract); ILP rider attachable to regular premium ILPs; SMART panel hospitals with waiver of admission deposit (cashless admission)", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "a-plus-health-360", "tier_name": "Standard (Deductible RM1,000 per rider year)", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 1000, "coinsurance_pct": 5, "coinsurance_cap_rm": 500, "copay": "Deductible RM1,000 per rider year (in-patient items 1-9); 5% coinsurance up to RM500 per rider year (out-patient items 10-11); deductible and coinsurance waived for emergency treatment incl. accidents and treatment at Government healthcare facilities; coinsurance amount offsets deductible in a rider year and vice versa", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "Optical support (intraocular lenses) up to RM7,000/lifetime; specified maternity complications up to RM10,000/lifetime; home nursing care up to RM6,000 per confinement, max 180 days/lifetime; emergency medical evacuation & repatriation up to USD 1,000,000 per event; outpatient physiotherapy max 8 sessions within 60 days after specialist referral; primary care up to RM50/visit, 3 visits/rider year; prevention & primary care combined up to RM1,000 every 2 rider years; mental health benefit up to RM1,500/rider year; no-claim bonus RM2,500/rider year into Health Wallet (up to 10 times); preferred panel bonus RM1,000/rider year; hospitalisation care benefit via AIA Vitality RM150-RM1,000 (SMART panel) / RM250-RM500 (other hospitals); R&B and ICU no day limits", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "source_detail": "Official A-Plus Health 360 brochure (0626): single plan (no plan tiers) with 3 Cost Saving Options emitted as separate objects per dataset convention; OAL RM3,000,000; lifetime limit No Limit; R&B RM300/day no day limit; ICU no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious) / 365 days (serious); outpatient cancer & kidney dialysis as charged; day care procedure & surgery as charged; primary care up to RM50/visit, 3 visits/rider year; no-claim bonus RM2,500/rider year into Health Wallet (up to 10x); preferred panel bonus RM1,000/rider year; entry age, waiting periods, exclusions, renewal not stated in brochure (refer to policy contract); ILP rider attachable to regular premium ILPs; SMART panel hospitals with waiver of admission deposit (cashless admission)", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "a-plus-health-360", "tier_name": "Standard (Deductible RM3,000 per rider year)", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 3000, "coinsurance_pct": 5, "coinsurance_cap_rm": 500, "copay": "Deductible RM3,000 per rider year (in-patient items 1-9); 5% coinsurance up to RM500 per rider year (out-patient items 10-11); deductible and coinsurance waived for emergency treatment incl. accidents and treatment at Government healthcare facilities; coinsurance amount offsets deductible in a rider year and vice versa", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "Optical support (intraocular lenses) up to RM7,000/lifetime; specified maternity complications up to RM10,000/lifetime; home nursing care up to RM6,000 per confinement, max 180 days/lifetime; emergency medical evacuation & repatriation up to USD 1,000,000 per event; outpatient physiotherapy max 8 sessions within 60 days after specialist referral; primary care up to RM50/visit, 3 visits/rider year; prevention & primary care combined up to RM1,000 every 2 rider years; mental health benefit up to RM1,500/rider year; no-claim bonus RM2,500/rider year into Health Wallet (up to 10 times); preferred panel bonus RM1,000/rider year; hospitalisation care benefit via AIA Vitality RM150-RM1,000 (SMART panel) / RM250-RM500 (other hospitals); R&B and ICU no day limits", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "source_detail": "Official A-Plus Health 360 brochure (0626): single plan (no plan tiers) with 3 Cost Saving Options emitted as separate objects per dataset convention; OAL RM3,000,000; lifetime limit No Limit; R&B RM300/day no day limit; ICU no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious) / 365 days (serious); outpatient cancer & kidney dialysis as charged; day care procedure & surgery as charged; primary care up to RM50/visit, 3 visits/rider year; no-claim bonus RM2,500/rider year into Health Wallet (up to 10x); preferred panel bonus RM1,000/rider year; entry age, waiting periods, exclusions, renewal not stated in brochure (refer to policy contract); ILP rider attachable to regular premium ILPs; SMART panel hospitals with waiver of admission deposit (cashless admission)", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "allianz-healthassured", "tier_name": "5% Co-Insurance", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": "n/a", "coinsurance_pct": 5, "coinsurance_cap_rm": 1000, "copay": "5% co-insurance up to RM1,000 per policy year (Cost Saving Option)", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "ICU RM100/day; hospital income optional RM100/day (max 30 days/yr); bereavement RM50,000; pre-hosp diagnostics up to RM10,000/yr; post-hosp treatment up to RM6,000/yr; physiotherapy RM2,000/yr; outpatient cancer/dialysis/dengue as charged; genomic test up to RM2,000/yr; second medical opinion up to RM2,000/yr; intraocular lens capped RM3,000/eye (non-toric).", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/medical-and-hospitalisation/healthassured.html", "exclusions": "Pre-existing conditions; specified illnesses in waiting period; cosmetic/plastic surgery; dental; pregnancy/childbirth; HIV/AIDS; suicide (12-month clause on Bereavement Benefit); war/nuclear; hazardous sports; experimental treatments; mental disorders; congenital conditions manifested before age 17.", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official HealthAssured EN brochure (April 2026, 11pp) via allianz.com.my product page; Table of Benefits + waiting periods + exclusions read directly. Entry age 13 weeks gestation/15 days min, 36 weeks/70 max. No R&B day limit. MediSafe Infinite+ page redirects to HealthAssured (discontinued).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "lifetime" }, { "product": "allianz-healthassured", "tier_name": "15% Co-Insurance", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": "n/a", "coinsurance_pct": 15, "coinsurance_cap_rm": 2500, "copay": "15% co-insurance up to RM2,500 per policy year (Cost Saving Option)", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "ICU RM100/day; hospital income optional RM100/day (max 30 days/yr); bereavement RM50,000; pre-hosp diagnostics up to RM10,000/yr; post-hosp treatment up to RM6,000/yr; physiotherapy RM2,000/yr; outpatient cancer/dialysis/dengue as charged; genomic test up to RM2,000/yr; second medical opinion up to RM2,000/yr; intraocular lens capped RM3,000/eye (non-toric).", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/medical-and-hospitalisation/healthassured.html", "exclusions": "Pre-existing conditions; specified illnesses in waiting period; cosmetic/plastic surgery; dental; pregnancy/childbirth; HIV/AIDS; suicide (12-month clause on Bereavement Benefit); war/nuclear; hazardous sports; experimental treatments; mental disorders; congenital conditions manifested before age 17.", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official HealthAssured EN brochure (April 2026, 11pp) via allianz.com.my product page; Table of Benefits + waiting periods + exclusions read directly. Entry age 13 weeks gestation/15 days min, 36 weeks/70 max. No R&B day limit. MediSafe Infinite+ page redirects to HealthAssured (discontinued).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "lifetime" }, { "product": "ammetlife-takaful-flexisecure-i-link", "tier_name": "FlexiSecure-i Link", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/BancaTakaful/FlexiSecure-i-Link.aspx", "exclusions": "Not disclosed", "entry_age_min": "30 days (participant)", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Investment-linked family takaful (bancatakaful channel). Choice of investment funds, riders to enhance protection. Participant entry 30 days - 60 years old; certificate holder 17+. PIDM protected (unit portion subject to limitations).", "guaranteed_renewable": "not disclosed", "channel": "bank", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ammetlife-takaful-flexicare-i-plus", "tier_name": "FlexiCare-i Plus", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/Agency/FlexiCare-i-Plus.aspx", "exclusions": "Not disclosed", "entry_age_min": "30 days (participant)", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Investment-linked takaful (agency channel). Twin benefits of protection and potential investment-linked income; flexible balance across life stages. Participant entry 30 days - 60 years; certificate holder 17+. PIDM protected.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ammetlife-takaful-protectsecure-i-murni", "tier_name": "ProtectSecure-i Murni", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/BancaTakaful/ProtectSecure-i-Murni.aspx", "exclusions": "Not disclosed", "entry_age_min": "30 days (participant)", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Bancatakaful family takaful. Benefits: death or TPD; additional benefit during Hajj or Umrah; Waqaf benefit to approved organization; Badal Hajj benefit upon death/TPD; funeral benefit; special allowance at end of 3rd certificate year for Hajj/Umrah aspiration. Participant entry 30 days - 60 years.", "guaranteed_renewable": "not disclosed", "channel": "bank", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ammetlife-takaful-prestigewealth-i", "tier_name": "PrestigeWealth-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/BancaTakaful/PrestigeWealth-i.aspx", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Bancatakaful wealth/investment-linked. Steady payouts, enhanced milestones, elevated maturity benefit, additional accidental payout, liquidity for needs, legacy distribution. Tailored flexibility, seamless enrolment.", "guaranteed_renewable": "not disclosed", "channel": "bank", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ammetlife-takaful-legacysecure-i-link", "tier_name": "LegacySecure-i Link", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 69, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/BancaTakaful/LegacySecure-i-Link.aspx", "exclusions": "Not disclosed", "entry_age_min": "16", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Investment-linked takaful with hibah legacy. Greater coverage value, additional accidental death coverage, high non-medical limit up to RM4 million without medical check-up, loyalty bonus, waqaf rewards. Multiple coverage and contribution term choices. Entry 16 - 69.", "guaranteed_renewable": "not disclosed", "channel": "bank", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ammetlife-takaful-protect-i-trust", "tier_name": "Protect-i Trust", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/Agency/Protect-i-Trust.aspx", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Protection against Death or TPD, additional accidental death coverage, additional RM5,000 funeral expenses, double indemnity while performing Hajj or Umrah, multiple coverage term choices. Contributor and Waqaf riders available. PIDM protected.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ammetlife-takaful-i-am-protect", "tier_name": "i-Am Protect", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 55, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM50,000 - RM500,000 (Plan 1-4; Plan 4 not for entry above 45)", "ci_rider": "no", "ci_conditions": "not disclosed", "waiver_rider": "no", "policy_term_years": 1, "verified_at": "2026-08-26", "source_url": "https://www.ammetlifetakaful.com/Products/Agency/i-Am-Protect.aspx", "exclusions": "not disclosed", "entry_age_min": "18 days", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Pure protection term takaful: death or TPD 100% of sum covered. 4 plans: Plan 1 RM50k, Plan 2 RM100k, Plan 3 RM200k, Plan 4 RM500k (not available for entry age >45). Entry 18 days - 55 years. No medical underwriting. Wakalah fee RM10 + 30% of contribution. No cash value upon surrender/maturity. Payment via AmOnline/JomPAY. PIDM protected.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-e-takaful-hayat", "tier_name": "e-Takaful Hayat", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (PDS illustration RM200,000 death benefit)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.etiqa.com.my/life-and-family/e-takaful-hayat", "exclusions": "Suicide (death due to suicide while sane within 1 year from issue date); accidental death arising directly or indirectly from intentional self-inflicted injury or death, suicide or attempted suicide while sane, or participation in any criminal or illegal act, strike, riot, terrorism or civil commotion. List non-exhaustive; refer to certificate.", "entry_age_min": "17 years", "renew_age_max": "70 (protection until age 70)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Live page verified 2026-08-26: entry age 17-60 years, expiry age 70 years; benefits: death, accidental death (additional 200% of sum covered on top of death benefit), compassionate benefit RM1,000, surrender value = accumulated PRF surplus. PDS dated 24 Dec 2025: regular contribution plan to age 70, Tabarru'/Wakalah/Ju'alah/Mudarabah/Hibah concepts, death within 1 year from non-accidental cause pays refund of total contributions, wakalah fee 25% of contribution, 31-day grace period, 15-day free look, contribution rates not guaranteed (3-month notice), PIDM-protected. PDS URL: https://www.etiqa.com.my/pdfs/en/takaful/e-Takaful+Hayat+Product+Disclosure+Sheet.pdf", "guaranteed_renewable": "not disclosed", "channel": "direct (Apply Online on etiqa.com.my; digital distribution)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-mawaddah-ii", "tier_name": "Mawaddah II", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (PDS illustration RM300,000 death/TPD benefit)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 49, "verified_at": "2026-08-26", "source_url": "https://www.etiqa.com.my/life-and-family/mawaddah-ii-takaful", "exclusions": "Suicide while sane within 1 year from issue date or latest reinstatement date; non-accidental death or TPD within 2 years from issue date; TPD or accidental death due to intentional self-inflicted injury/death/suicide/attempted suicide while sane, or participation in criminal or illegal act, strike, riot, terrorism or civil commotion. List non-exhaustive.", "entry_age_min": "17 years (age next birthday)", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Live page verified 2026-08-26: eligibility individuals aged 17 to 70 years (age next birthday); benefits: compassionate benefit, coverage for accidents, instant approval. PDS dated 20/11/2025 (https://www.etiqa.com.my/pdfs/en/takaful/Mawaddah_II_Website_PDS_EV.pdf): 49-year protection term; death benefit = RM300,000 illustration or total contributions received whichever higher + accumulated PRF surplus; TPD same, payable for TPD prior to 69th birthday, subject to RM2mil aggregate across all certificates with the operator; accidental death in Malaysia additional 200% of sum covered, overseas (within 60 consecutive days of departure) additional 300%, accidental cover expires at 69th birthday; compassionate benefit RM3,000 on death or TPD prior to 69th birthday; contribution duration to age 80 in illustration; wakalah fee 11.30%; 31-day grace; 15-day free look; surrender = accumulated PRF surplus; PIDM-protected.", "guaranteed_renewable": "not disclosed", "channel": "agent (Find an Agent CTA; agency distributed)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-i-double-secure", "tier_name": "i-DoubleSecure", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 55, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (PDS template RM)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.etiqa.com.my/life-and-family/i-double-secure-takaful", "exclusions": "First certificate year: suicide while sane refunds contribution only (full sum covered thereafter); TPD/additional accidental benefits excluded for: intentional self-inflicted injury or attempted suicide while sane, criminal or illegal acts/strike/riot/terrorism/civil commotion, consumption of alcohol or non-prescribed/illegal drugs or narcotics, dangerous or hazardous sport, aviation other than regular commercial routes, physical and violent provocation, inhalation of poison/gas/fumes, radioactive contamination. List non-exhaustive.", "entry_age_min": "17 years", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Live page verified 2026-08-26: double death benefits, double TPD benefits, flexible coverage, easy payment; entry age 17 years and younger than 55 years; no medical examination required; page states pure protection product distributed without intermediaries. PDS (https://www.etiqa.com.my/pdfs/en/takaful/Product_Disclosure_Sheet_i-DoubleSecure.pdf): death/TPD in first certificate year from non-accidental event = contributions paid only; additional 100% of sum covered if death or TPD due to accident, no additional accidental benefit after certificate anniversary following 69th birthday; no TPD benefit after certificate anniversary following 64th birthday; TPD aggregate cap RM2mil across all certificates with us, instalment settlement when >RM1mil (2 instalments 12 months apart, subject to continued proof of TPD); wakalah fee RM60 per annum per certificate plus 25% of total contribution in first year and 6% thereafter; Tabarru'/Wakalah/Ju'alah/Mudarabah concepts; 15-day free look; surrender value from PRF + accumulated surplus after free-look cancellation.", "guaranteed_renewable": "not disclosed", "channel": "direct (page states 'This product is distributed without any intermediaries')", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-prisma", "tier_name": "Prisma", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (PDS illustration RM500,000 death/TPD benefit)", "ci_rider": "yes", "ci_conditions": "Critical Illness Rider pays rider sum covered on diagnosis of one of the covered critical illnesses (includes Cancer, Stroke, Heart attack - not exhaustive). 30-day general waiting from issue/reinstatement; 60-day waiting for cancer, coronary heart disease requiring surgery, heart attack, other serious coronary artery disease; survival period 30 days after diagnosis; angioplasty and other invasive treatment for coronary artery disease limited to 10% of rider sum covered up to RM50,000.", "waiver_rider": "yes (Waiver of Contribution for Critical Illness Rider and Waiver of Contribution for Critical Illness (Payor) Rider)", "policy_term_years": 30, "verified_at": "2026-08-26", "source_url": "https://www.etiqa.com.my/life-and-family/prisma-takaful", "exclusions": "Suicide while sane within 1 year from issue date or latest reinstatement date; TPD due directly or indirectly to self-inflicted injury, suicide or attempted suicide while sane, or participation in criminal or illegal act, strike, riot, terrorism or civil commotion (non-exhaustive). Critical Illness Rider exclusions: illnesses not in definition, pre-existing illnesses prior to issue/reinstatement, war/terrorism, dangerous sports, aviation, self-inflicted injuries, alcohol/drug influence, AIDS-related conditions, illegal acts.", "entry_age_min": "14 days (person covered); participant minimum age 19 years", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Live page verified 2026-08-26: person covered aged 14 days to 60 years, participant minimum 19 years with no maximum; add-ons: Accidental Death and Dismemberment Benefits Rider, Critical Illness Rider, Waiver of Contribution for Critical Illness Rider, Hospital Cash Benefits Rider, Waiver of Contribution for Critical Illness (Payor) Rider. PDS dated 18/08/2025 (https://www.etiqa.com.my/pdfs/en/takaful/PRISMA-SAMPLE-PDS-(EV).pdf): 30-year regular contribution plan; death benefit (RM500,000 illustration + RM1,000 funeral expenses + accumulated PRF surplus), TPD (prior to 64th birthday, RM2mil aggregate cap), maturity benefit = accumulated PRF surplus; contribution duration to age 55 in illustration; wakalah fee 35.70%; partial withdrawal charge RM15; 31-day grace; 15-day free look; CI rider 28-year term illustration, 30/60-day waiting periods, 30-day survival period; accidental death & dismemberment rider (24-year term illustration, 90-day accidental claim window); TPD takes effect after 6 continuous months except presumptive TPD.", "guaranteed_renewable": "not disclosed", "channel": "agent (Find an Agent CTA)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-term-plus-takaful", "tier_name": "Etiqa Term Takaful Plus", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 65, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM10,000 to RM200,000 (page stated range)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.etiqa.com.my/life-and-family/etiqa-term-plus-takaful", "exclusions": "Suicide (death due to suicide while sane within 1 year from issue date); TPD, accidental death or TPD arising from intentional self-inflicted death or injury/suicide/attempted suicide while sane, or participation in criminal or illegal act, strike, riot, terrorism or civil commotion. Non-exhaustive; full list in certificate.", "entry_age_min": "17 years (EPF member & spouse); children from 14 days", "renew_age_max": "70 (EPF member & spouse; children age 25 or when EPF member reaches expiry age, whichever earlier)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Live page verified 2026-08-26: EPF member plan; no cash payments - direct withdrawal from EPF account; guaranteed approval; coverage RM10,000-RM200,000; death & disability and more; EPF member/spouse entry 17-65 expiry 70; children entry 14 days-16 years, expiry 25 or member's expiry age whichever earlier. PDS (local copy pds-life/etiqa-family/etiqa-term-plus-pds.txt, also https://www.etiqa.com.my/download-documents/family-takaful): regular contribution plan to age 70; death benefit + accumulated PRF surplus (refund of total contributions if non-accidental death within 1 year of issue); TPD benefit (refund only if non-accidental within 1 year); accidental death additional +100% of sum covered, or additional +200% if accidental death overseas (first 90 consecutive days per trip); accidental TPD additional +100%; surrender = PRF surplus only; family package terminates if principal covered ceases; wakalah fee 25%; 31-day grace; 15-day free look; contribution rates not guaranteed (3-month notice); PIDM protected.", "guaranteed_renewable": "not disclosed", "channel": "direct (EPF i-Lindung; contributions withdrawn from EPF account)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "onemedical", "tier_name": "Plan 1", "annual_limit_rm": 50000, "lifetime_limit": "unlimited", "room_board_rm": 160, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Optional deductible RM1,000 per hospitalisation (applies to Inpatient & Day Care Surgery benefits only); RM0/no-deductible option; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 55, "sub_limits": "R&B no day limit per annum; ICU as charged (no day limit); communicable disease cash benefit RM2,000 (max 3 claims, 1 per policy year; COVID-19, Malaria, MERS-CoV, SARS, Zika, quarantine-required diseases); pre-hosp diagnostic tests/consultations within 60 days; post-hosp treatment within 90 days; outpatient kidney dialysis & cancer treatment as charged; deductible not applied to outpatient benefits or cash benefit", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/pdfs/en/insurance/Product_Disclosure_Sheet_OneMedical.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) during first 120 days from issue/reinstatement; participation in criminal or illegal acts, strike, riot, terrorism or civil commotion; non-exhaustive list (see policy contract)", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS (Etiqa Life Insurance Berhad) + official flyer Table of Benefits: Plan 1 RM50,000/R&B RM160, Plan 2 RM100,000/R&B RM280, Plan 3 RM150,000/R&B RM360; overall lifetime limit No Limit; optional deductible RM1,000 per hospitalisation (inpatient & day care surgery only) or RM0; pre-hosp 60 days (max 2 GP + 1 specialist consults), post-hosp 90 days; covers hospitalisation & surgical expenses up to age 85; PDS states 'Renewal and premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; no commission, distributed without intermediaries (online). Flyer: https://www.etiqa.com.my/pdfs/en/insurance/Flyer_OneMedical.pdf", "guaranteed_renewable": "no", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "onemedical", "tier_name": "Plan 2", "annual_limit_rm": 100000, "lifetime_limit": "unlimited", "room_board_rm": 280, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Optional deductible RM1,000 per hospitalisation (applies to Inpatient & Day Care Surgery benefits only); RM0/no-deductible option; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 55, "sub_limits": "R&B no day limit per annum; ICU as charged (no day limit); communicable disease cash benefit RM2,000 (max 3 claims, 1 per policy year; COVID-19, Malaria, MERS-CoV, SARS, Zika, quarantine-required diseases); pre-hosp diagnostic tests/consultations within 60 days; post-hosp treatment within 90 days; outpatient kidney dialysis & cancer treatment as charged; deductible not applied to outpatient benefits or cash benefit", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/pdfs/en/insurance/Product_Disclosure_Sheet_OneMedical.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) during first 120 days from issue/reinstatement; participation in criminal or illegal acts, strike, riot, terrorism or civil commotion; non-exhaustive list (see policy contract)", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS (Etiqa Life Insurance Berhad) + official flyer Table of Benefits: Plan 1 RM50,000/R&B RM160, Plan 2 RM100,000/R&B RM280, Plan 3 RM150,000/R&B RM360; overall lifetime limit No Limit; optional deductible RM1,000 per hospitalisation (inpatient & day care surgery only) or RM0; pre-hosp 60 days (max 2 GP + 1 specialist consults), post-hosp 90 days; covers hospitalisation & surgical expenses up to age 85; PDS states 'Renewal and premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; no commission, distributed without intermediaries (online). Flyer: https://www.etiqa.com.my/pdfs/en/insurance/Flyer_OneMedical.pdf", "guaranteed_renewable": "no", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "onemedical", "tier_name": "Plan 3", "annual_limit_rm": 150000, "lifetime_limit": "unlimited", "room_board_rm": 360, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Optional deductible RM1,000 per hospitalisation (applies to Inpatient & Day Care Surgery benefits only); RM0/no-deductible option; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 55, "sub_limits": "R&B no day limit per annum; ICU as charged (no day limit); communicable disease cash benefit RM2,000 (max 3 claims, 1 per policy year; COVID-19, Malaria, MERS-CoV, SARS, Zika, quarantine-required diseases); pre-hosp diagnostic tests/consultations within 60 days; post-hosp treatment within 90 days; outpatient kidney dialysis & cancer treatment as charged; deductible not applied to outpatient benefits or cash benefit", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/pdfs/en/insurance/Product_Disclosure_Sheet_OneMedical.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) during first 120 days from issue/reinstatement; participation in criminal or illegal acts, strike, riot, terrorism or civil commotion; non-exhaustive list (see policy contract)", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS (Etiqa Life Insurance Berhad) + official flyer Table of Benefits: Plan 1 RM50,000/R&B RM160, Plan 2 RM100,000/R&B RM280, Plan 3 RM150,000/R&B RM360; overall lifetime limit No Limit; optional deductible RM1,000 per hospitalisation (inpatient & day care surgery only) or RM0; pre-hosp 60 days (max 2 GP + 1 specialist consults), post-hosp 90 days; covers hospitalisation & surgical expenses up to age 85; PDS states 'Renewal and premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; no commission, distributed without intermediaries (online). Flyer: https://www.etiqa.com.my/pdfs/en/insurance/Flyer_OneMedical.pdf", "guaranteed_renewable": "no", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "ezymedical", "tier_name": "Plan 1", "annual_limit_rm": 200000, "lifetime_limit": "unlimited", "room_board_rm": 400, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible options RM500 or RM1,000 per policy year (applies to benefits 3-17; not applied to government hospital care, emergency treatment, or post-hosp cancer/kidney dialysis follow-up); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 55, "sub_limits": "R&B RM400/day, no day limit per policy year; ICU as charged (no day limit); medical report fees RM150 per hospitalisation; govt hospital daily cash RM200/day (no day limit); outpatient psychiatrist consultation & treatment RM2,000 per policy year (MDD, OCD, schizophrenia, schizoaffective, bipolar, PTSD); pre-hosp 60 days; post-hosp 90 days; outpatient kidney dialysis & cancer treatment as charged; emergency accidental outpatient as charged", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/pdfs/en/insurance/PDS_EzyMedical_(EV)_20250430_v1.6.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) during first 120 days from issue/reinstatement; participation in criminal or illegal acts, strike, riot, terrorism or civil commotion; non-exhaustive list (see policy contract)", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS (v1.6, 30 Apr 2025, Etiqa Life Insurance Berhad) + official e-flyer Table of Benefits: Plan 1 RM200,000/R&B RM400, Plan 2 RM350,000/R&B RM400; overall lifetime limit No Limit; deductible RM500 or RM1,000 per policy year (applies to benefits 3-17); pre-hosp 60 days (max 2 GP + 1 specialist consults), post-hosp 90 days; covers hospitalisation & surgical expenses until age 85; 'Renewal is guaranteed but premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; no commission charged (online). Flyer: https://www.etiqa.com.my/pdfs/en/insurance/EzyMedical_eFlyer_ENG.pdf", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "ezymedical", "tier_name": "Plan 2", "annual_limit_rm": 350000, "lifetime_limit": "unlimited", "room_board_rm": 400, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible options RM500 or RM1,000 per policy year (applies to benefits 3-17; not applied to government hospital care, emergency treatment, or post-hosp cancer/kidney dialysis follow-up); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 55, "sub_limits": "R&B RM400/day, no day limit per policy year; ICU as charged (no day limit); medical report fees RM150 per hospitalisation; govt hospital daily cash RM200/day (no day limit); outpatient psychiatrist consultation & treatment RM2,000 per policy year (MDD, OCD, schizophrenia, schizoaffective, bipolar, PTSD); pre-hosp 60 days; post-hosp 90 days; outpatient kidney dialysis & cancer treatment as charged; emergency accidental outpatient as charged", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/pdfs/en/insurance/PDS_EzyMedical_(EV)_20250430_v1.6.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) during first 120 days from issue/reinstatement; participation in criminal or illegal acts, strike, riot, terrorism or civil commotion; non-exhaustive list (see policy contract)", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS (v1.6, 30 Apr 2025, Etiqa Life Insurance Berhad) + official e-flyer Table of Benefits: Plan 1 RM200,000/R&B RM400, Plan 2 RM350,000/R&B RM400; overall lifetime limit No Limit; deductible RM500 or RM1,000 per policy year (applies to benefits 3-17); pre-hosp 60 days (max 2 GP + 1 specialist consults), post-hosp 90 days; covers hospitalisation & surgical expenses until age 85; 'Renewal is guaranteed but premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; no commission charged (online). Flyer: https://www.etiqa.com.my/pdfs/en/insurance/EzyMedical_eFlyer_ENG.pdf", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "il-ultimate-health", "tier_name": "Plan 1", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible options RM500, RM20,000 or RM40,000 per policy year (items 19, 20, 26, 27, 28 not subject to deductible); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/90", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B no day limit; ICU as charged (no day limit); daily guardian benefit RM150/day max 120 days/policy yr; intraocular lens up to RM8,000/lifetime; genomic test for cancer up to RM10,000/RM20,000/RM30,000 per lifetime (Plans 2/3/4); outpatient psychiatrist up to RM15,000 (Plan 2) or RM30,000 (Plans 3-4) per lifetime; outpatient dengue/chikungunya up to RM1,500/RM2,000/RM3,000/RM4,000 per policy yr; home nursing RM6,000/policy yr (within 90 days of discharge); alternative medical practitioner RM150-400/day up to RM1,500-4,000 per policy yr; govt hospital daily cash RM200/day no day limit; organ transplant limited to 1 per policy; emergency outpatient sickness RM200 per condition; advanced medical treatment charges N/A for Plan 1, as charged for Plans 2-4", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/pdfs/en/insurance/PDS-IL-Ultimate-Health-(EV).pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) during first 120 days from issue/reinstatement; participation in criminal or illegal acts, strike, riot, terrorism or civil commotion; non-exhaustive list (see policy contract)", "entry_age_min": 17, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS (EV, Etiqa Life Insurance Berhad) + official e-flyer Table of Benefits: Plan 1 RM1,000,000/R&B RM150, Plan 2 RM1,500,000/R&B RM200, Plan 3 RM1,800,000/R&B RM300, Plan 4 RM2,000,000/R&B RM400; overall lifetime limit No Limit; deductible options RM500, RM20,000 or RM40,000 per policy year; pre-hosp 90 days, post-hosp 90 days; PDS Step 1: covers hospitalisation & surgical expenses until age 100 (product options table shows plan-dependent coverage term 70/80/90/100); 'Renewal is guaranteed but premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; unit-deducting rider attachable to SecurePro regular-premium ILP; agent/Life Planner channel. Flyer: https://www.etiqa.com.my/pdfs/en/insurance/Flyer-UltimateHealth-(EV).pdf", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "il-ultimate-health", "tier_name": "Plan 2", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible options RM500, RM20,000 or RM40,000 per policy year (items 19, 20, 26, 27, 28 not subject to deductible); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/90", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B no day limit; ICU as charged (no day limit); daily guardian benefit RM150/day max 120 days/policy yr; intraocular lens up to RM8,000/lifetime; genomic test for cancer up to RM10,000/RM20,000/RM30,000 per lifetime (Plans 2/3/4); outpatient psychiatrist up to RM15,000 (Plan 2) or RM30,000 (Plans 3-4) per lifetime; outpatient dengue/chikungunya up to RM1,500/RM2,000/RM3,000/RM4,000 per policy yr; home nursing RM6,000/policy yr (within 90 days of discharge); alternative medical practitioner RM150-400/day up to RM1,500-4,000 per policy yr; govt hospital daily cash RM200/day no day limit; organ transplant limited to 1 per policy; emergency outpatient sickness RM200 per condition; advanced medical treatment charges N/A for Plan 1, as charged for Plans 2-4", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/pdfs/en/insurance/PDS-IL-Ultimate-Health-(EV).pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) during first 120 days from issue/reinstatement; participation in criminal or illegal acts, strike, riot, terrorism or civil commotion; non-exhaustive list (see policy contract)", "entry_age_min": 17, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS (EV, Etiqa Life Insurance Berhad) + official e-flyer Table of Benefits: Plan 1 RM1,000,000/R&B RM150, Plan 2 RM1,500,000/R&B RM200, Plan 3 RM1,800,000/R&B RM300, Plan 4 RM2,000,000/R&B RM400; overall lifetime limit No Limit; deductible options RM500, RM20,000 or RM40,000 per policy year; pre-hosp 90 days, post-hosp 90 days; PDS Step 1: covers hospitalisation & surgical expenses until age 100 (product options table shows plan-dependent coverage term 70/80/90/100); 'Renewal is guaranteed but premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; unit-deducting rider attachable to SecurePro regular-premium ILP; agent/Life Planner channel. Flyer: https://www.etiqa.com.my/pdfs/en/insurance/Flyer-UltimateHealth-(EV).pdf", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "il-ultimate-health", "tier_name": "Plan 3", "annual_limit_rm": 1800000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible options RM500, RM20,000 or RM40,000 per policy year (items 19, 20, 26, 27, 28 not subject to deductible); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/90", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B no day limit; ICU as charged (no day limit); daily guardian benefit RM150/day max 120 days/policy yr; intraocular lens up to RM8,000/lifetime; genomic test for cancer up to RM10,000/RM20,000/RM30,000 per lifetime (Plans 2/3/4); outpatient psychiatrist up to RM15,000 (Plan 2) or RM30,000 (Plans 3-4) per lifetime; outpatient dengue/chikungunya up to RM1,500/RM2,000/RM3,000/RM4,000 per policy yr; home nursing RM6,000/policy yr (within 90 days of discharge); alternative medical practitioner RM150-400/day up to RM1,500-4,000 per policy yr; govt hospital daily cash RM200/day no day limit; organ transplant limited to 1 per policy; emergency outpatient sickness RM200 per condition; advanced medical treatment charges N/A for Plan 1, as charged for Plans 2-4", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/pdfs/en/insurance/PDS-IL-Ultimate-Health-(EV).pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) during first 120 days from issue/reinstatement; participation in criminal or illegal acts, strike, riot, terrorism or civil commotion; non-exhaustive list (see policy contract)", "entry_age_min": 17, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS (EV, Etiqa Life Insurance Berhad) + official e-flyer Table of Benefits: Plan 1 RM1,000,000/R&B RM150, Plan 2 RM1,500,000/R&B RM200, Plan 3 RM1,800,000/R&B RM300, Plan 4 RM2,000,000/R&B RM400; overall lifetime limit No Limit; deductible options RM500, RM20,000 or RM40,000 per policy year; pre-hosp 90 days, post-hosp 90 days; PDS Step 1: covers hospitalisation & surgical expenses until age 100 (product options table shows plan-dependent coverage term 70/80/90/100); 'Renewal is guaranteed but premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; unit-deducting rider attachable to SecurePro regular-premium ILP; agent/Life Planner channel. Flyer: https://www.etiqa.com.my/pdfs/en/insurance/Flyer-UltimateHealth-(EV).pdf", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "il-ultimate-health", "tier_name": "Plan 4", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 400, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible options RM500, RM20,000 or RM40,000 per policy year (items 19, 20, 26, 27, 28 not subject to deductible); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/90", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B no day limit; ICU as charged (no day limit); daily guardian benefit RM150/day max 120 days/policy yr; intraocular lens up to RM8,000/lifetime; genomic test for cancer up to RM10,000/RM20,000/RM30,000 per lifetime (Plans 2/3/4); outpatient psychiatrist up to RM15,000 (Plan 2) or RM30,000 (Plans 3-4) per lifetime; outpatient dengue/chikungunya up to RM1,500/RM2,000/RM3,000/RM4,000 per policy yr; home nursing RM6,000/policy yr (within 90 days of discharge); alternative medical practitioner RM150-400/day up to RM1,500-4,000 per policy yr; govt hospital daily cash RM200/day no day limit; organ transplant limited to 1 per policy; emergency outpatient sickness RM200 per condition; advanced medical treatment charges N/A for Plan 1, as charged for Plans 2-4", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/pdfs/en/insurance/PDS-IL-Ultimate-Health-(EV).pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) during first 120 days from issue/reinstatement; participation in criminal or illegal acts, strike, riot, terrorism or civil commotion; non-exhaustive list (see policy contract)", "entry_age_min": 17, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS (EV, Etiqa Life Insurance Berhad) + official e-flyer Table of Benefits: Plan 1 RM1,000,000/R&B RM150, Plan 2 RM1,500,000/R&B RM200, Plan 3 RM1,800,000/R&B RM300, Plan 4 RM2,000,000/R&B RM400; overall lifetime limit No Limit; deductible options RM500, RM20,000 or RM40,000 per policy year; pre-hosp 90 days, post-hosp 90 days; PDS Step 1: covers hospitalisation & surgical expenses until age 100 (product options table shows plan-dependent coverage term 70/80/90/100); 'Renewal is guaranteed but premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; unit-deducting rider attachable to SecurePro regular-premium ILP; agent/Life Planner channel. Flyer: https://www.etiqa.com.my/pdfs/en/insurance/Flyer-UltimateHealth-(EV).pdf", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "shield-medi-care-max", "tier_name": "Plan 200", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible options RM500, RM10,000 or RM30,000 per policy year (RM30,000 option drops to RM500 after age 60; emergency accidental dental/outpatient, outpatient cancer & kidney dialysis, govt hospital care not subject to deductible); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "R&B max 180 days/policy yr (increasing 25% every 3 claim-free policy years up to 200% of initial R&B); refund of unutilised R&B max 30 days/policy yr; additional R&B overseas max 180 days/policy yr; ICU max 150 days/policy yr; lodger benefit RM200/RM300 max 180 days/policy yr; medical report fees RM100; outpatient acupuncture & chiropractic RM1,000 (within 150 days of discharge); maternity complications RM10,000/lifetime; intraocular lenses RM10,000/RM15,000 per lifetime; genomic testing RM10,000/RM15,000 per lifetime; home nursing RM4,000/RM8,000 per disability; palliative care RM15,000/RM18,000 per lifetime; major organ transplant once per lifetime; pre-hosp 90 days; post-hosp 150 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/getmedia/d983164d-747b-40cb-8038-fcc1fb738573/Shield-Medi-Care-Max_sample-PDS-v1-8-web.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; conditions arising within 30-day waiting period (except accidents); plastic/cosmetic surgery, Lasik; dental except accidental injury to sound natural teeth; private nursing, rest cures; illegal drugs, AIDS/HIV, venereal disease, communicable diseases requiring quarantine by law; congenital abnormalities/deformities; pregnancy/childbirth, contraception, infertility; investigatory/preventive treatment; outpatient treatment not specifically provided; suicide/self-inflicted injury; war, terrorism, riot; nuclear radiation; organ donation; sleep/snoring disorders, HRT, alternative therapy; psychotic/mental disorders; non-medical services; hazardous sports; private flying; sex change; non-exhaustive list (see policy)", "entry_age_min": "not disclosed", "renew_age_max": 70, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS sample (v1.8a, printed 22 Apr 2026, Sun Life Malaysia Assurance Berhad; sample config Plan 300) + official leaflet July 2026 Schedule of Benefits: Plan 200 RM2,000,000/R&B RM200, Plan 300 RM3,000,000/R&B RM300; overall lifetime limit No Lifetime Limit; deductible options RM500, RM10,000 or RM30,000 per policy year; pre-hosp 90 days, post-hosp 150 days; covers hospitalisation & surgical expenses until age 70; 'Renewal is guaranteed but the cost of insurance are not guaranteed'; coverage starts 30 days after benefit start date except accidents; specified illnesses first 120 days; unit-deducting rider attachable to Sun Shield Link ILP; agency channel. Leaflet: https://www.sunlifemalaysia.com/getmedia/faa0cbb6-939e-42f6-b993-461815ff3937/SLM-Shield-Medi-Care-Max-Leaflet_V2_220426_R1_.pdf", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "shield-medi-care-max", "tier_name": "Plan 300", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible options RM500, RM10,000 or RM30,000 per policy year (RM30,000 option drops to RM500 after age 60; emergency accidental dental/outpatient, outpatient cancer & kidney dialysis, govt hospital care not subject to deductible); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "R&B max 180 days/policy yr (increasing 25% every 3 claim-free policy years up to 200% of initial R&B); refund of unutilised R&B max 30 days/policy yr; additional R&B overseas max 180 days/policy yr; ICU max 150 days/policy yr; lodger benefit RM200/RM300 max 180 days/policy yr; medical report fees RM100; outpatient acupuncture & chiropractic RM1,000 (within 150 days of discharge); maternity complications RM10,000/lifetime; intraocular lenses RM10,000/RM15,000 per lifetime; genomic testing RM10,000/RM15,000 per lifetime; home nursing RM4,000/RM8,000 per disability; palliative care RM15,000/RM18,000 per lifetime; major organ transplant once per lifetime; pre-hosp 90 days; post-hosp 150 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/getmedia/d983164d-747b-40cb-8038-fcc1fb738573/Shield-Medi-Care-Max_sample-PDS-v1-8-web.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; conditions arising within 30-day waiting period (except accidents); plastic/cosmetic surgery, Lasik; dental except accidental injury to sound natural teeth; private nursing, rest cures; illegal drugs, AIDS/HIV, venereal disease, communicable diseases requiring quarantine by law; congenital abnormalities/deformities; pregnancy/childbirth, contraception, infertility; investigatory/preventive treatment; outpatient treatment not specifically provided; suicide/self-inflicted injury; war, terrorism, riot; nuclear radiation; organ donation; sleep/snoring disorders, HRT, alternative therapy; psychotic/mental disorders; non-medical services; hazardous sports; private flying; sex change; non-exhaustive list (see policy)", "entry_age_min": "not disclosed", "renew_age_max": 70, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS sample (v1.8a, printed 22 Apr 2026, Sun Life Malaysia Assurance Berhad; sample config Plan 300) + official leaflet July 2026 Schedule of Benefits: Plan 200 RM2,000,000/R&B RM200, Plan 300 RM3,000,000/R&B RM300; overall lifetime limit No Lifetime Limit; deductible options RM500, RM10,000 or RM30,000 per policy year; pre-hosp 90 days, post-hosp 150 days; covers hospitalisation & surgical expenses until age 70; 'Renewal is guaranteed but the cost of insurance are not guaranteed'; coverage starts 30 days after benefit start date except accidents; specified illnesses first 120 days; unit-deducting rider attachable to Sun Shield Link ILP; agency channel. Leaflet: https://www.sunlifemalaysia.com/getmedia/faa0cbb6-939e-42f6-b993-461815ff3937/SLM-Shield-Medi-Care-Max-Leaflet_V2_220426_R1_.pdf", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "fwd-takaful-majestic-plus", "tier_name": "FWD Majestic+", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 65, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed (Sum Covered calculated as a percentage of total contribution paid, less total annual cash payments)", "ci_rider": "no", "ci_conditions": "not disclosed", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/majestic-plus/", "exclusions": "not disclosed", "entry_age_min": "14 days (certificate owner and spouse)", "renew_age_max": "Coverage up to 75 years old", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Plan options: 3pay15, 3pay20, 6pay20 or 6pay25. Benefits: Death/TPD due to natural and accidental cause, maturity benefit, maturity fund booster (up to 150% of annual base contribution), Annual Cash Payment from beginning of 3rd certificate year. Issue age: certificate owner and spouse 14 days to 65 years old. Coverage up to 75 years old. Flexible certificate: coverage/contribution term from as short as 3 years, adhoc partial withdrawal without fees at any time, adhoc top-up. PIDM protected. FWD Takaful Berhad Reg. No. 200601025368.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-takaful-invest-first-education", "tier_name": "FWD Invest First – Education Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 65, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/savings-investment-insurance-takaful/invest-first-education/", "exclusions": "not disclosed", "entry_age_min": "17 (certificate owner); 1 month (person covered)", "renew_age_max": "Coverage ends at age 25 (person covered)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Education savings takaful. Option 1: minimum monthly contribution RM100. Option 2: minimum monthly contribution RM200. Issue age: certificate owner 17-65, person covered 1 month - 65 years. Coverage of person covered ends at 25 years old. FWD Takaful Berhad.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-takaful-i-great-chinta", "tier_name": "i-Great Chinta", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM800,000 minimum (Basic Sum Covered); maximum subject to underwriting", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/family-takaful/i-great-chinta", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage term to age 60, 70 or 80 (next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Regular contribution Term Family Takaful covering Death and TPD. Death benefit: higher of Basic Sum Covered (BSC) or Cash Value in PIA, plus Account Value in PUA/Saver if any. Additional 100% of BSC on death during Hajj/Umrah (non-accidental). Child lien applies before age 5 next birthday. Compassionate benefit RM5,000. Min BSC RM800,000. Coverage term 10/20 years or to ages 60/70/80 NB. Contributions limited-pay or full-pay. TPD per-life limit RM8mil. Free-look 15 days. PIDM protected.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-takaful-i-great-nova", "tier_name": "i-Great Nova", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM250,000 minimum (optional automatic increase every 5 years)", "ci_rider": "no", "ci_conditions": "not disclosed", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/family-takaful/i-great-nova", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage term to age 60, 70 or 80", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Regular contribution Term Family Takaful providing Death and TPD coverage. High Sum Covered from RM250,000. Optional i-Protection Booster rider: additional sum covered upon death or TPD auto-increasing every 5 years up to 1000% of rider SC. Coverage term up to age 60, 70 or 80; contribution payment term 10/20 years or throughout. i-Saver Rider: 95% of contributions to Participant's Unit Account. Additional 100% of BSC death during Hajj/Umrah (non-accidental). Compassionate benefit RM2,000 payable upon death. PIDM protected.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-takaful-i-great-majestik", "tier_name": "i-Great Majestik", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed", "ci_rider": "no", "ci_conditions": "not disclosed", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/wealth-accumulation/i-great-majestik", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Long-term takaful savings plan. Coverage/Contribution terms: 10yr/3-pay (80% maturity booster), 15yr/5-pay (95%), 20yr/10-pay (300%), 25yr/10-pay (330%), 30yr/20-pay (400%). Investment Booster paid from end of 1st certificate year annually based on schedule (5% yrs1-5, 10% yrs6-10, 20% yrs11-25, 30% yrs26-30) if contributions on time. Additional Accidental Death Benefit payable (percentage of total payout). Payment term: 3pay10, 5pay15, 10pay20, 10pay25, 20pay30.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-takaful-i-great-mega-plus", "tier_name": "i-Great Mega Plus", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/wealth-accumulation/i-great-mega-plus", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Investment-linked takaful from GE Takaful wealth accumulation range. Next-generation investment-linked solution for elevated protection and long-term financial planning (product page description only; further benefit detail not published on page).", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-takaful-i-great-murni-2", "tier_name": "i-Great Murni 2.0", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM100,000 to RM500,000 (death/TPD)", "ci_rider": "no", "ci_conditions": "not disclosed", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/online-takaful/i-great-murni-2", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Easy and hassle-free online takaful plan with simplified underwriting. Bereavement allowance RM5,000 (funeral assistance) paid from death benefit in advance. Basic Sum Coverage RM100,000 - RM500,000 for death/TPD. Underwriting surplus and investment profit entitlement payable yearly. Online exclusive (Online Takaful Plan).", "guaranteed_renewable": "not disclosed", "channel": "online", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-takaful-i-great-evo", "tier_name": "i-Great Evo", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "From RM15,000 (monthly contribution from RM50)", "ci_rider": "no", "ci_conditions": "not disclosed", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/family-takaful/i-great-evo", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Auto-extension after maturity up to age 80 or 100", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "i-Great Evo is a regular contribution Term Family Takaful plan that pays Basic Sum Covered upon Death and TPD, plus Compassionate Benefit RM2,000 upon death. Matures at age 25 or 80 ANB. Auto-extension of coverage after maturity up to 80 or 100 (new contributions required). Contributions payable until end of coverage term or death/TPD. PIDM protected.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-takaful-i-great-inspirasi", "tier_name": "i-Great Inspirasi", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (4x accidental death benefit)", "ci_rider": "no", "ci_conditions": "not disclosed", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.greateasterntakaful.com/en/personal-takaful/family-takaful/i-great-inspirasi", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Matures up to age 85 (next birthday)", "waiting_general_days": null, "waiting_specified_days": 90, "waiting_pre_existing_days": null, "source_detail": "i-Great Inspirasi is a regular contribution Family Takaful Term Plan maturing up to age 85 ANB. Infectious disease protection incl. dengue. Accidental Death Benefit up to 4x Sum Covered. Infectious Disease Benefit RM5,000 payable from Tabarru Fund for Dengue Hemorrhagic Fever, Malaria, Yellow Fever, MERS-COV. Additional 100% of Basic Sum Covered on death from specified mosquito-borne diseases (dengue, chikungunya, Japanese encephalitis, Zika). Waiting period 90 days. Step-up contributions based on attained age.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "multi-medic", "tier_name": "Base Plan 1", "annual_limit_rm": 110000, "lifetime_limit": "unlimited", "room_board_rm": 165, "deductible_rm": 0, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "No coinsurance on main benefits; deductible per disability (Part A only) options: Option 1 RM0 / Option 2 5,500 / Option 3 11,000; TCM subject to 20% co-payment", "icu_benefit": "yes", "day_surgery": "not disclosed", "outpatient": "yes", "pre_post_hospital_days": "not disclosed", "cancer_rider": "yes", "entry_age_max": 65, "sub_limits": "R&B unlimited days; ICU as charged; post-hosp treatment up to 90 days from discharge; surgical fees incl. post-surgery care up to 90 days; TCM RM1,100-11,000/yr subject to 20% co-payment; govt hospital cash allowance RM55-550/day; outpatient physio RM5,500 (Base)/RM16,500 (Prime) per disability; home nursing RM110-220/day up to RM5,500 per disability; organ transplant limit per transplant once per lifetime; OAL +10% every 3 policy years (Inflation Defender); Prime-only: external prostheses RM5,500-22,000, inpatient mental illness RM5,500-22,000, plastic surgery RM5,500-22,000 per disability", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://cdn.prod.website-files.com/63a28ca20a748d597081715c/6a19730eca24e8ec3a1ad06a_Multi%20Medic%20Brochure%20(EN)%20012026.pdf", "exclusions": "Pre-existing conditions; any medical/physical conditions arising within first 30 days of cover or reinstatement (except accidental injuries); suicide/self-inflicted injury; congenital abnormalities/hereditary conditions; pregnancy/childbirth; psychotic/mental/nervous disorders; hospitalisation for investigation or non-medically necessary treatment; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Multi Medic Brochure (EN) 01/2026 benefits table: 6 plans (Base 1-3, Prime 1-3); OAL RM110k-1.1m; R&B RM165-3,300/day unlimited days; deductible per disability (Part A only) 3 options per plan; entry 30 days-65 yrs, renewable to 100; waiting 30 days; no lifetime limit; TCM 20% co-payment; optional riders EMER/HCI/OPI/DI/CI/PA. PDS 03/2026 confirms annual limit RM110k-RM1.1m, R&B RM165-RM3,300/day, lifetime limit not applicable, coverage starts 30 days after effective date. Premium & Commission Table w.e.f 01-06-2026.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "multi-medic", "tier_name": "Base Plan 2", "annual_limit_rm": 165000, "lifetime_limit": "unlimited", "room_board_rm": 275, "deductible_rm": 0, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "No coinsurance on main benefits; deductible per disability (Part A only) options: Option 1 RM0 / Option 2 8,250 / Option 3 16,500; TCM subject to 20% co-payment", "icu_benefit": "yes", "day_surgery": "not disclosed", "outpatient": "yes", "pre_post_hospital_days": "not disclosed", "cancer_rider": "yes", "entry_age_max": 65, "sub_limits": "R&B unlimited days; ICU as charged; post-hosp treatment up to 90 days from discharge; surgical fees incl. post-surgery care up to 90 days; TCM RM1,100-11,000/yr subject to 20% co-payment; govt hospital cash allowance RM55-550/day; outpatient physio RM5,500 (Base)/RM16,500 (Prime) per disability; home nursing RM110-220/day up to RM5,500 per disability; organ transplant limit per transplant once per lifetime; OAL +10% every 3 policy years (Inflation Defender); Prime-only: external prostheses RM5,500-22,000, inpatient mental illness RM5,500-22,000, plastic surgery RM5,500-22,000 per disability", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://cdn.prod.website-files.com/63a28ca20a748d597081715c/6a19730eca24e8ec3a1ad06a_Multi%20Medic%20Brochure%20(EN)%20012026.pdf", "exclusions": "Pre-existing conditions; any medical/physical conditions arising within first 30 days of cover or reinstatement (except accidental injuries); suicide/self-inflicted injury; congenital abnormalities/hereditary conditions; pregnancy/childbirth; psychotic/mental/nervous disorders; hospitalisation for investigation or non-medically necessary treatment; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Multi Medic Brochure (EN) 01/2026 benefits table: 6 plans (Base 1-3, Prime 1-3); OAL RM110k-1.1m; R&B RM165-3,300/day unlimited days; deductible per disability (Part A only) 3 options per plan; entry 30 days-65 yrs, renewable to 100; waiting 30 days; no lifetime limit; TCM 20% co-payment; optional riders EMER/HCI/OPI/DI/CI/PA. PDS 03/2026 confirms annual limit RM110k-RM1.1m, R&B RM165-RM3,300/day, lifetime limit not applicable, coverage starts 30 days after effective date. Premium & Commission Table w.e.f 01-06-2026.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "multi-medic", "tier_name": "Base Plan 3", "annual_limit_rm": 330000, "lifetime_limit": "unlimited", "room_board_rm": 385, "deductible_rm": 0, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "No coinsurance on main benefits; deductible per disability (Part A only) options: Option 1 RM0 / Option 2 11,000 / Option 3 22,000; TCM subject to 20% co-payment", "icu_benefit": "yes", "day_surgery": "not disclosed", "outpatient": "yes", "pre_post_hospital_days": "not disclosed", "cancer_rider": "yes", "entry_age_max": 65, "sub_limits": "R&B unlimited days; ICU as charged; post-hosp treatment up to 90 days from discharge; surgical fees incl. post-surgery care up to 90 days; TCM RM1,100-11,000/yr subject to 20% co-payment; govt hospital cash allowance RM55-550/day; outpatient physio RM5,500 (Base)/RM16,500 (Prime) per disability; home nursing RM110-220/day up to RM5,500 per disability; organ transplant limit per transplant once per lifetime; OAL +10% every 3 policy years (Inflation Defender); Prime-only: external prostheses RM5,500-22,000, inpatient mental illness RM5,500-22,000, plastic surgery RM5,500-22,000 per disability", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://cdn.prod.website-files.com/63a28ca20a748d597081715c/6a19730eca24e8ec3a1ad06a_Multi%20Medic%20Brochure%20(EN)%20012026.pdf", "exclusions": "Pre-existing conditions; any medical/physical conditions arising within first 30 days of cover or reinstatement (except accidental injuries); suicide/self-inflicted injury; congenital abnormalities/hereditary conditions; pregnancy/childbirth; psychotic/mental/nervous disorders; hospitalisation for investigation or non-medically necessary treatment; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Multi Medic Brochure (EN) 01/2026 benefits table: 6 plans (Base 1-3, Prime 1-3); OAL RM110k-1.1m; R&B RM165-3,300/day unlimited days; deductible per disability (Part A only) 3 options per plan; entry 30 days-65 yrs, renewable to 100; waiting 30 days; no lifetime limit; TCM 20% co-payment; optional riders EMER/HCI/OPI/DI/CI/PA. PDS 03/2026 confirms annual limit RM110k-RM1.1m, R&B RM165-RM3,300/day, lifetime limit not applicable, coverage starts 30 days after effective date. Premium & Commission Table w.e.f 01-06-2026.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "multi-medic", "tier_name": "Prime Plan 1", "annual_limit_rm": 550000, "lifetime_limit": "unlimited", "room_board_rm": 550, "deductible_rm": 0, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "No coinsurance on main benefits; deductible per disability (Part A only) options: Option 1 RM0 / Option 2 16,500 / Option 3 27,500; TCM subject to 20% co-payment", "icu_benefit": "yes", "day_surgery": "not disclosed", "outpatient": "yes", "pre_post_hospital_days": "not disclosed", "cancer_rider": "yes", "entry_age_max": 65, "sub_limits": "R&B unlimited days; ICU as charged; post-hosp treatment up to 90 days from discharge; surgical fees incl. post-surgery care up to 90 days; TCM RM1,100-11,000/yr subject to 20% co-payment; govt hospital cash allowance RM55-550/day; outpatient physio RM5,500 (Base)/RM16,500 (Prime) per disability; home nursing RM110-220/day up to RM5,500 per disability; organ transplant limit per transplant once per lifetime; OAL +10% every 3 policy years (Inflation Defender); Prime-only: external prostheses RM5,500-22,000, inpatient mental illness RM5,500-22,000, plastic surgery RM5,500-22,000 per disability", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://cdn.prod.website-files.com/63a28ca20a748d597081715c/6a19730eca24e8ec3a1ad06a_Multi%20Medic%20Brochure%20(EN)%20012026.pdf", "exclusions": "Pre-existing conditions; any medical/physical conditions arising within first 30 days of cover or reinstatement (except accidental injuries); suicide/self-inflicted injury; congenital abnormalities/hereditary conditions; pregnancy/childbirth; psychotic/mental/nervous disorders; hospitalisation for investigation or non-medically necessary treatment; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Multi Medic Brochure (EN) 01/2026 benefits table: 6 plans (Base 1-3, Prime 1-3); OAL RM110k-1.1m; R&B RM165-3,300/day unlimited days; deductible per disability (Part A only) 3 options per plan; entry 30 days-65 yrs, renewable to 100; waiting 30 days; no lifetime limit; TCM 20% co-payment; optional riders EMER/HCI/OPI/DI/CI/PA. PDS 03/2026 confirms annual limit RM110k-RM1.1m, R&B RM165-RM3,300/day, lifetime limit not applicable, coverage starts 30 days after effective date. Premium & Commission Table w.e.f 01-06-2026.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "multi-medic", "tier_name": "Prime Plan 2", "annual_limit_rm": 825000, "lifetime_limit": "unlimited", "room_board_rm": 1100, "deductible_rm": 0, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "No coinsurance on main benefits; deductible per disability (Part A only) options: Option 1 RM0 / Option 2 22,000 / Option 3 33,000; TCM subject to 20% co-payment", "icu_benefit": "yes", "day_surgery": "not disclosed", "outpatient": "yes", "pre_post_hospital_days": "not disclosed", "cancer_rider": "yes", "entry_age_max": 65, "sub_limits": "R&B unlimited days; ICU as charged; post-hosp treatment up to 90 days from discharge; surgical fees incl. post-surgery care up to 90 days; TCM RM1,100-11,000/yr subject to 20% co-payment; govt hospital cash allowance RM55-550/day; outpatient physio RM5,500 (Base)/RM16,500 (Prime) per disability; home nursing RM110-220/day up to RM5,500 per disability; organ transplant limit per transplant once per lifetime; OAL +10% every 3 policy years (Inflation Defender); Prime-only: external prostheses RM5,500-22,000, inpatient mental illness RM5,500-22,000, plastic surgery RM5,500-22,000 per disability", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://cdn.prod.website-files.com/63a28ca20a748d597081715c/6a19730eca24e8ec3a1ad06a_Multi%20Medic%20Brochure%20(EN)%20012026.pdf", "exclusions": "Pre-existing conditions; any medical/physical conditions arising within first 30 days of cover or reinstatement (except accidental injuries); suicide/self-inflicted injury; congenital abnormalities/hereditary conditions; pregnancy/childbirth; psychotic/mental/nervous disorders; hospitalisation for investigation or non-medically necessary treatment; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Multi Medic Brochure (EN) 01/2026 benefits table: 6 plans (Base 1-3, Prime 1-3); OAL RM110k-1.1m; R&B RM165-3,300/day unlimited days; deductible per disability (Part A only) 3 options per plan; entry 30 days-65 yrs, renewable to 100; waiting 30 days; no lifetime limit; TCM 20% co-payment; optional riders EMER/HCI/OPI/DI/CI/PA. PDS 03/2026 confirms annual limit RM110k-RM1.1m, R&B RM165-RM3,300/day, lifetime limit not applicable, coverage starts 30 days after effective date. Premium & Commission Table w.e.f 01-06-2026.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "multi-medic", "tier_name": "Prime Plan 3", "annual_limit_rm": 1100000, "lifetime_limit": "unlimited", "room_board_rm": 3300, "deductible_rm": 0, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "No coinsurance on main benefits; deductible per disability (Part A only) options: Option 1 RM0 / Option 2 33,000 / Option 3 55,000; TCM subject to 20% co-payment", "icu_benefit": "yes", "day_surgery": "not disclosed", "outpatient": "yes", "pre_post_hospital_days": "not disclosed", "cancer_rider": "yes", "entry_age_max": 65, "sub_limits": "R&B unlimited days; ICU as charged; post-hosp treatment up to 90 days from discharge; surgical fees incl. post-surgery care up to 90 days; TCM RM1,100-11,000/yr subject to 20% co-payment; govt hospital cash allowance RM55-550/day; outpatient physio RM5,500 (Base)/RM16,500 (Prime) per disability; home nursing RM110-220/day up to RM5,500 per disability; organ transplant limit per transplant once per lifetime; OAL +10% every 3 policy years (Inflation Defender); Prime-only: external prostheses RM5,500-22,000, inpatient mental illness RM5,500-22,000, plastic surgery RM5,500-22,000 per disability", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://cdn.prod.website-files.com/63a28ca20a748d597081715c/6a19730eca24e8ec3a1ad06a_Multi%20Medic%20Brochure%20(EN)%20012026.pdf", "exclusions": "Pre-existing conditions; any medical/physical conditions arising within first 30 days of cover or reinstatement (except accidental injuries); suicide/self-inflicted injury; congenital abnormalities/hereditary conditions; pregnancy/childbirth; psychotic/mental/nervous disorders; hospitalisation for investigation or non-medically necessary treatment; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Multi Medic Brochure (EN) 01/2026 benefits table: 6 plans (Base 1-3, Prime 1-3); OAL RM110k-1.1m; R&B RM165-3,300/day unlimited days; deductible per disability (Part A only) 3 options per plan; entry 30 days-65 yrs, renewable to 100; waiting 30 days; no lifetime limit; TCM 20% co-payment; optional riders EMER/HCI/OPI/DI/CI/PA. PDS 03/2026 confirms annual limit RM110k-RM1.1m, R&B RM165-RM3,300/day, lifetime limit not applicable, coverage starts 30 days after effective date. Premium & Commission Table w.e.f 01-06-2026.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "onemedic-plus", "tier_name": "Lite 1", "annual_limit_rm": 250000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": null, "coinsurance_pct": 5, "coinsurance_cap_rm": 1000, "copay": "Basic Co-Insurance 5% min RM500 max RM1,000 per policy year; or deductible RM5,000 or RM10,000 per policy year; co-payment waived for accident/emergency treatment, Malaysian government hospital/healthcare facility, and outpatient cancer/kidney dialysis claims", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/210", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "R&B RM150/day max 150 days per disability; ICU as charged max 150 days; pre-hosp 90 days; post-hosp 210 days; outpatient illness treatment RM150/visit & RM1,500/yr after 5% coinsurance; ambulance up to RM500 per hospitalisation; pacemaker/ICD up to RM20,000 per disability; intraocular lens up to RM3,000 per lifetime; govt hospital daily allowance RM60/day up to 60 days + RM60/day isolation up to 30 days; no Inflation Defender", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://cdn.prod.website-files.com/63a28ca20a748d597081715c/6972c2c0913b05046ee7eed6_PDS_OneMedic%20Plus_Ver1.0_Eng_Corporate%20Website%20Version.pdf", "exclusions": "Pre-existing illnesses; specified illnesses (hypertension, diabetes mellitus, cardiovascular disease, growths/tumours/cancers, ENT diseases, hernias/haemorrhoids, reproductive system diseases, spine/knee disorders) within 120-day waiting period; conditions within 30 days except accidents; quarantine-required diseases (except COVID-19); pregnancy/childbirth; congenital conditions; cosmetic/plastic surgery; dental except accidental; mental disorders; hazardous sports; non-exhaustive list (see supplementary contract)", "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "OneMedic Plus PDS V01/01-2026 (issued by Generali Life Insurance Malaysia Berhad; unit-deducting rider on Wealth Protect Assure 2): 4 plans Lite 1/2, Elite 1/2; annual limits RM250k/500k/1.5m/2.5m; R&B RM150/day max 150 days (Lite 1&2, merged cell), RM250/day (Elite 1), RM300/day (Elite 2) no day limit; no lifetime limit; co-insurance 5% min RM500 max RM1,000 (Lite)/RM2,000 (Elite) per policy year or deductible RM5,000/RM10,000 per policy year; waiting 30 days general/120 days specified; pre-hosp 90 days, post-hosp 210 days; Inflation Defender +10% every 5 policy years (Elite only); insurance charges deducted monthly from account value (AIC table ages 0-99, renewal 71-99).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "onemedic-plus", "tier_name": "Lite 2", "annual_limit_rm": 500000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": null, "coinsurance_pct": 5, "coinsurance_cap_rm": 1000, "copay": "Basic Co-Insurance 5% min RM500 max RM1,000 per policy year; or deductible RM5,000 or RM10,000 per policy year; co-payment waived for accident/emergency treatment, Malaysian government hospital/healthcare facility, and outpatient cancer/kidney dialysis claims", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/210", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "R&B RM150/day max 150 days per disability; ICU as charged max 150 days; pre-hosp 90 days; post-hosp 210 days; outpatient illness treatment RM150/visit & RM1,500/yr after 5% coinsurance; ambulance up to RM500 per hospitalisation; pacemaker/ICD up to RM20,000 per disability; intraocular lens up to RM3,000 per lifetime; govt hospital daily allowance RM60/day up to 60 days + RM60/day isolation up to 30 days; no Inflation Defender", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://cdn.prod.website-files.com/63a28ca20a748d597081715c/6972c2c0913b05046ee7eed6_PDS_OneMedic%20Plus_Ver1.0_Eng_Corporate%20Website%20Version.pdf", "exclusions": "Pre-existing illnesses; specified illnesses (hypertension, diabetes mellitus, cardiovascular disease, growths/tumours/cancers, ENT diseases, hernias/haemorrhoids, reproductive system diseases, spine/knee disorders) within 120-day waiting period; conditions within 30 days except accidents; quarantine-required diseases (except COVID-19); pregnancy/childbirth; congenital conditions; cosmetic/plastic surgery; dental except accidental; mental disorders; hazardous sports; non-exhaustive list (see supplementary contract)", "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "OneMedic Plus PDS V01/01-2026 (issued by Generali Life Insurance Malaysia Berhad; unit-deducting rider on Wealth Protect Assure 2): 4 plans Lite 1/2, Elite 1/2; annual limits RM250k/500k/1.5m/2.5m; R&B RM150/day max 150 days (Lite 1&2, merged cell), RM250/day (Elite 1), RM300/day (Elite 2) no day limit; no lifetime limit; co-insurance 5% min RM500 max RM1,000 (Lite)/RM2,000 (Elite) per policy year or deductible RM5,000/RM10,000 per policy year; waiting 30 days general/120 days specified; pre-hosp 90 days, post-hosp 210 days; Inflation Defender +10% every 5 policy years (Elite only); insurance charges deducted monthly from account value (AIC table ages 0-99, renewal 71-99).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "onemedic-plus", "tier_name": "Elite 1", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 250, "deductible_rm": null, "coinsurance_pct": 5, "coinsurance_cap_rm": 2000, "copay": "Basic Co-Insurance 5% min RM500 max RM2,000 per policy year; or deductible RM5,000 or RM10,000 per policy year; co-payment waived for accident/emergency treatment, Malaysian government hospital/healthcare facility, and outpatient cancer/kidney dialysis claims", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/210", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "R&B RM250/day no day limit; ICU as charged max 200 days; pre-hosp 90 days; post-hosp 210 days; outpatient illness treatment RM150/visit & RM1,500/yr after 5% coinsurance; ambulance as charged; pacemaker/ICD up to RM20,000 per disability; intraocular lens up to RM6,000 per lifetime; prosthetic devices & hearing aids up to RM10,000 per lifetime; genomic test for cancer up to RM10,000 per lifetime; chiropractic up to RM1,000; TCM up to RM200/visit & RM2,000 per disability; Inflation Defender +10% every 5 policy years (max 100% of initial)", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://cdn.prod.website-files.com/63a28ca20a748d597081715c/6972c2c0913b05046ee7eed6_PDS_OneMedic%20Plus_Ver1.0_Eng_Corporate%20Website%20Version.pdf", "exclusions": "Pre-existing illnesses; specified illnesses (hypertension, diabetes mellitus, cardiovascular disease, growths/tumours/cancers, ENT diseases, hernias/haemorrhoids, reproductive system diseases, spine/knee disorders) within 120-day waiting period; conditions within 30 days except accidents; quarantine-required diseases (except COVID-19); pregnancy/childbirth; congenital conditions; cosmetic/plastic surgery; dental except accidental; mental disorders; hazardous sports; non-exhaustive list (see supplementary contract)", "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "OneMedic Plus PDS V01/01-2026 (issued by Generali Life Insurance Malaysia Berhad; unit-deducting rider on Wealth Protect Assure 2): 4 plans Lite 1/2, Elite 1/2; annual limits RM250k/500k/1.5m/2.5m; R&B RM150/day max 150 days (Lite 1&2, merged cell), RM250/day (Elite 1), RM300/day (Elite 2) no day limit; no lifetime limit; co-insurance 5% min RM500 max RM1,000 (Lite)/RM2,000 (Elite) per policy year or deductible RM5,000/RM10,000 per policy year; waiting 30 days general/120 days specified; pre-hosp 90 days, post-hosp 210 days; Inflation Defender +10% every 5 policy years (Elite only); insurance charges deducted monthly from account value (AIC table ages 0-99, renewal 71-99).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "onemedic-plus", "tier_name": "Elite 2", "annual_limit_rm": 2500000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": null, "coinsurance_pct": 5, "coinsurance_cap_rm": 2000, "copay": "Basic Co-Insurance 5% min RM500 max RM2,000 per policy year; or deductible RM5,000 or RM10,000 per policy year; co-payment waived for accident/emergency treatment, Malaysian government hospital/healthcare facility, and outpatient cancer/kidney dialysis claims", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/210", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "R&B RM300/day no day limit; ICU as charged max 200 days; pre-hosp 90 days; post-hosp 210 days; outpatient illness treatment RM150/visit & RM1,500/yr after 5% coinsurance; ambulance as charged; pacemaker/ICD up to RM20,000 per disability; intraocular lens up to RM6,000 per lifetime; prosthetic devices & hearing aids up to RM10,000 per lifetime; genomic test for cancer up to RM10,000 per lifetime; chiropractic up to RM1,000; TCM up to RM200/visit & RM2,000 per disability; Inflation Defender +10% every 5 policy years (max 100% of initial)", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://cdn.prod.website-files.com/63a28ca20a748d597081715c/6972c2c0913b05046ee7eed6_PDS_OneMedic%20Plus_Ver1.0_Eng_Corporate%20Website%20Version.pdf", "exclusions": "Pre-existing illnesses; specified illnesses (hypertension, diabetes mellitus, cardiovascular disease, growths/tumours/cancers, ENT diseases, hernias/haemorrhoids, reproductive system diseases, spine/knee disorders) within 120-day waiting period; conditions within 30 days except accidents; quarantine-required diseases (except COVID-19); pregnancy/childbirth; congenital conditions; cosmetic/plastic surgery; dental except accidental; mental disorders; hazardous sports; non-exhaustive list (see supplementary contract)", "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "OneMedic Plus PDS V01/01-2026 (issued by Generali Life Insurance Malaysia Berhad; unit-deducting rider on Wealth Protect Assure 2): 4 plans Lite 1/2, Elite 1/2; annual limits RM250k/500k/1.5m/2.5m; R&B RM150/day max 150 days (Lite 1&2, merged cell), RM250/day (Elite 1), RM300/day (Elite 2) no day limit; no lifetime limit; co-insurance 5% min RM500 max RM1,000 (Lite)/RM2,000 (Elite) per policy year or deductible RM5,000/RM10,000 per policy year; waiting 30 days general/120 days specified; pre-hosp 90 days, post-hosp 210 days; Inflation Defender +10% every 5 policy years (Elite only); insurance charges deducted monthly from account value (AIC table ages 0-99, renewal 71-99).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "amp-med-xpnse", "tier_name": "RM500 Deductible", "annual_limit_rm": 100000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 or RM2,500 per policy year; waived for outpatient cancer treatment, outpatient kidney dialysis, emergency accidental outpatient & dental treatment, outpatient follow-up treatment arising from critical illnesses, and treatment at government healthcare facilities; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 55, "sub_limits": "R&B RM150/day; ICU as charged; pre-hosp 60 days; post-hosp 90 days; emergency accidental outpatient & dental within 24 hours + up to 31 days follow-up; OAL RM90,000 (Policy Year 1-2) / RM100,000 (Policy Year 3 onwards); cashless GL facility only for Category A benefits + day care procedure & surgery + post-hospitalisation benefits; e-medical card via MiCare MyMed app (no physical card)", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/health/amp-med-xpnse/MED-XPNSE-Product-Fact-Sheet-v10-20112026.pdf", "exclusions": "Pre-existing illness; specified illnesses as defined in policy contract; conditions arising within waiting period except injury; plastic/cosmetic surgery, circumcision, Lasik, external prosthetic appliances; dental except accidental injury to sound natural teeth; pregnancy/childbirth; congenital conditions; mental/nervous disorders; non-medically necessary treatment; hazardous sports; treatment outside Malaysia (except Singapore & Brunei) if residing/travelling abroad over 90 consecutive days; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": "n/a", "waiting_pre_existing_days": "n/a", "source_detail": "AMP MED XPNSE Product Fact Sheet v1.0 (20/11/2026) + PDS (ENG): single yearly-renewable traditional standalone plan; OAL RM90k (PY1-2)/RM100k (PY3+); no lifetime limit; R&B RM150/day; deductible RM500 or RM2,500 per policy year; pay-first-claim-later or cashless payment facility; entry 15 days (attained) to 55 yrs (next birthday); conditionally renewable to 100 next birthday subject to portfolio withdrawal; waiting 30 days (accident immediate); pre-hosp 60 days, post-hosp 90 days; commission-free, sold via AmMetLife branches; premium rates not guaranteed (30 days notice).", "guaranteed_renewable": "no", "channel": "not disclosed", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "amp-med-xpnse", "tier_name": "RM2,500 Deductible", "annual_limit_rm": 100000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 2500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 or RM2,500 per policy year; waived for outpatient cancer treatment, outpatient kidney dialysis, emergency accidental outpatient & dental treatment, outpatient follow-up treatment arising from critical illnesses, and treatment at government healthcare facilities; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 55, "sub_limits": "R&B RM150/day; ICU as charged; pre-hosp 60 days; post-hosp 90 days; emergency accidental outpatient & dental within 24 hours + up to 31 days follow-up; OAL RM90,000 (Policy Year 1-2) / RM100,000 (Policy Year 3 onwards); cashless GL facility only for Category A benefits + day care procedure & surgery + post-hospitalisation benefits; e-medical card via MiCare MyMed app (no physical card)", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/health/amp-med-xpnse/MED-XPNSE-Product-Fact-Sheet-v10-20112026.pdf", "exclusions": "Pre-existing illness; specified illnesses as defined in policy contract; conditions arising within waiting period except injury; plastic/cosmetic surgery, circumcision, Lasik, external prosthetic appliances; dental except accidental injury to sound natural teeth; pregnancy/childbirth; congenital conditions; mental/nervous disorders; non-medically necessary treatment; hazardous sports; treatment outside Malaysia (except Singapore & Brunei) if residing/travelling abroad over 90 consecutive days; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": "n/a", "waiting_pre_existing_days": "n/a", "source_detail": "AMP MED XPNSE Product Fact Sheet v1.0 (20/11/2026) + PDS (ENG): single yearly-renewable traditional standalone plan; OAL RM90k (PY1-2)/RM100k (PY3+); no lifetime limit; R&B RM150/day; deductible RM500 or RM2,500 per policy year; pay-first-claim-later or cashless payment facility; entry 15 days (attained) to 55 yrs (next birthday); conditionally renewable to 100 next birthday subject to portfolio withdrawal; waiting 30 days (accident immediate); pre-hosp 60 days, post-hosp 90 days; commission-free, sold via AmMetLife branches; premium rates not guaranteed (30 days notice).", "guaranteed_renewable": "no", "channel": "not disclosed", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "allianz-everlink-signature", "tier_name": "Allianz EverLink Signature", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "RM500,000 (PDS illustration); TPD aggregate cap RM8,000,000 per life", "ci_rider": "yes", "ci_conditions": "No core CI benefit; 36 critical illnesses available via attachable SecureCover (Term) rider", "waiver_rider": "yes", "policy_term_years": 100, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/everlink-signature.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "EverLinkSignature-PDS_ENG.pdf (published 26 Dec 2025) + product page (fetched 5 Aug 2026): non-participating regular-premium investment-linked plan; death/TPD = higher of Insured Amount or 100% Account Value; TPD only before age 71, max aggregate SA RM8m; Maturity Benefit 100% of AV; Loyalty Bonus 18% of insured amount at end of 30th policy year or age 64 (whichever later); automatic renewal to age 100 nearest birthday without further underwriting; Conditional In Force Guarantee first 6 policy years; Monthly Service Charge RM8/mo; premium payment term up to age 35 (illustration); free-look 15 days; page lists SecureCover (Term) and PayorCover among attachable riders; sold via Allianz Life Agents.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "allianz-everlink-plus", "tier_name": "Allianz EverLink Plus", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "RM500,000 (page headline coverage); TPD aggregate cap RM8,000,000 per life", "ci_rider": "yes", "ci_conditions": "No core CI; 36 via attachable SecureCover (Term) rider", "waiver_rider": "not disclosed", "policy_term_years": 20, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/everlink-plus.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "EverLink Plus product page (fetched 2026-08-24): regular-premium investment-linked plan; payout of insured amount and 100% of account value on death/TPD; headline coverage RM500,000 with monthly premium from RM125; flexible coverage terms from 20 years up to age 100; automatic renewal to age 100 without further underwriting; TPD until age 71, max aggregated insured amount RM8,000,000 per life; attachable riders incl. SecureCover (Term), Premier HealthCover, Premier PA Plus, PayorCover; sold via Allianz Life Agents.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "allianz-ultimatelink", "tier_name": "Allianz UltimateLink", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "RM500,000 (PDS illustration) + 100% Account Value; TPD aggregate cap RM8,000,000 per life", "ci_rider": "yes", "ci_conditions": "No core CI; 36 CIs via attachable SecureCover (Term) rider; other riders incl. HealthCover, PreciousCover, BabyCover, Prime Care+, PA Cover, Hospital Income, Weekly Indemnity, Accidental Medical Reimbursement", "waiver_rider": "yes", "policy_term_years": 100, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/allianz-ultimatelink.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "UltimateLink-PDS_ENG.pdf (26 Dec 2025) + product page: non-participating investment-linked plan; death/TPD benefit = Insured Amount + 100% Account Value; TPD before age 71, max aggregated insured amount RM8m; Maturity Benefit 100% of Account Value; auto-renewal to age 100 with account value carried forward; Conditional In Force Guarantee first 6 policy years; premium payment term up to age 59 (illustration RM149/month); monthly service charge RM8; fund mgmt charge 0.75%-1.50% p.a.; withdrawal/surrender penalty 20% in policy years 1-2; page: wide range of mix-and-match optional benefits; sold via Allianz Life Agents.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "allianz-securecover-term", "tier_name": "Allianz SecureCover (Term)", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (unit-deducting rider: benefit = basic-plan modal premiums contributed to units)", "ci_rider": "yes", "ci_conditions": "Rider triggers on death, TPD (before age 65) or diagnosis of any of 36 critical illnesses (incl. cancer, stroke, heart attack); pays basic-plan modal premiums into the ILP account until rider expiry; Extended TPD rider (blindness; loss of independent existence) attached by default at no extra charge; waiting 60 days for cancer/heart attack/CABG/serious CAD, 30 days for other CIs", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/savings-investments-and-waivers/allianz-securecover-plus.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "SecureCoverTerm-PDS_ENG.pdf (30 Dec 2025) + SecureCover product page: unit-deducting rider on an ILP basic plan; death/TPD/CI pays modal premiums to purchase units; COI charged monthly from unit value, not guaranteed; 6-month continuous TPD eligibility; page states it protects child's premium when payor is critically ill or dies; ETPD rider attachable at no extra premium and terminates if the rider is terminated; distributed via Allianz Life Agents.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "allianz-wealthcover-term", "tier_name": "Allianz WealthCover (Term)", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "n/a (investment top-up rider; 95% of premium allocated to units)", "ci_rider": "no", "ci_conditions": "not applicable (no protection element; pure investment top-up)", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/savings-investments-and-waivers/wealthcover.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "WealthCoverTerm-PDS_ENG.pdf (30 Dec 2025): top-up rider on a regular-premium investment-linked basic plan; regular premium payments credited to Account Value; 95% of annual premium allocated to units; illustration RM41,666.67 monthly; commission 3.75% of annual premium; free-look 15 days; surrender anytime during premium payment period. Attachable to plans like EverLink Signature (listed in its Downloads tab).", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "allianz-wealthcover", "tier_name": "Allianz WealthCover", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "n/a (investment top-up; 95% of payments allocated to units)", "ci_rider": "no", "ci_conditions": "not applicable (pure investment top-up)", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/savings-investments-and-waivers/wealthcover.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "WealthCover product page (fetched 2026-08-24): savings/investment top-up attachable to an Allianz Powerlink policy; 95% of payments allocated to units; payments from RM20/month; attachment with no additional charge; distributed via Allianz Life Agents.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "allianz-a-z-protect", "tier_name": "A-Z Protect", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "Death/TPD RM3,000-RM8,000; accidental death/TPD/dengue/COVID-19 death RM10,000-RM25,000; hospital cash RM50-RM70/day (Plans 1/2/3)", "ci_rider": "no", "ci_conditions": "not applicable", "waiver_rider": "no", "policy_term_years": 1, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/azprotect.html", "exclusions": null, "entry_age_min": 18, "renew_age_max": 70, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "AZPT01-PDS_ENG.pdf (2 Jan 2026) + A-Z Protect page: yearly renewable non-participating individual life plan (Perlindungan Tenang product) covering death, TPD, accidental death/TPD, death from dengue/COVID-19, hospital cash for accident/dengue/COVID-19 hospitalisation; Plan 1 entry 18-40 (RM8,000), Plan 2 entry 41-50 (RM5,000), Plan 3 entry 51-60 (RM3,000); annual premium RM80 (Plan 1, ages 18-40) to RM360 (renewal 61-70); renewal premiums NOT guaranteed and may be revised with 3 months' notice; no cash value on surrender; page: guaranteed issuance, no health declaration; Perlindungan Tenang voucher eligible.", "guaranteed_renewable": "no", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "allianz-powershield", "tier_name": "PowerShield", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM500,000 (PDS illustration); TPD aggregate cap RM8,000,000 per life", "ci_rider": "no", "ci_conditions": "not applicable (death and TPD only)", "waiver_rider": "not disclosed", "policy_term_years": 5, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/power-shield.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "PowerShield-PDS_ENG.pdf (26 Dec 2025) + product page: non-participating term insurance covering death and TPD (TPD before age 65, max RM8m per life); illustration RM500,000 death/TPD at RM387/month, coverage to age 80; premium payment term up to age 79; commission 3.42%; 31-day grace; cash value may accrue after 3 full years if term is 20+ years; page: flexible coverage term from 5 years up to age 80; option to convert to a permanent plan without further underwriting.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "allianz-moneyback", "tier_name": "Allianz MoneyBack", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "RM300,000 (PDS illustration); death = 100% of total premiums (yrs 1-2) then 100% of insured amount (yr 3+); accidental death 200% of SA (yr 3+, before age 71); maturity = 100% of total premiums paid", "ci_rider": "no", "ci_conditions": "not applicable", "waiver_rider": "not disclosed", "policy_term_years": 15, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/allianz-moneyback.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "MoneyBack-PDS_ENG.pdf (26 Dec 2025) + product page: limited-pay non-participating endowment; 6-year premium payment term for 15-year coverage (illustration RM810/month, RM300,000 SA, coverage to age 45); death non-accidental 100% total premiums (yrs 1-2) then 100% SA; accidental death 200% of SA (yrs 3+, prior to age 71); maturity benefit 100% of total premiums paid (if no claim paid); page: only 1 health question, short commitment, large-sum discount; sold via Allianz Life Agents.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "allianz-i-essentialcover", "tier_name": "Allianz i-EssentialCover", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 55, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM200,000 - RM500,000 (Plans 200/300/500)", "ci_rider": "no", "ci_conditions": "not applicable (pure death/TPD protection)", "waiver_rider": "no", "policy_term_years": 10, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/allianz-i-essentialcover.html", "exclusions": null, "entry_age_min": 18, "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "iEssentialCover-PDS_ENG.pdf (11 Feb 2026, incl. Premium Information Sheet) + product page: pure 10-year protection plan, no savings/investment element; death/TPD with plans RM200,000/RM300,000/RM500,000; entry ages 18-55 (premium table); premium payment term 10 years, level and guaranteed; TPD payable after 6 consecutive months of total disablement; only 1 policy per life; no fees or commission; product page: online-exclusive product, guaranteed yearly premium, coverage up to RM500,000.", "guaranteed_renewable": "not disclosed", "channel": "direct", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "allianz-legacy-plus", "tier_name": "Allianz Legacy Plus", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed (high non-medical limit up to RM4,000,000)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/life-protection/legacyplus.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Allianz Legacy Plus product page (fetched 2026-08-24): savings/legacy plan with Guaranteed Maturity Benefit, Conditional No Lapse Guarantee throughout coverage term, Increasing Insured Amount against inflation, Loyalty Bonus, and high non-medical limit up to RM4,000,000; LegacyPlus-PDS_ENG.pdf downloadable from the page (not read); sold via Allianz Life Agents.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ammetlife-protectease", "tier_name": "ProtectEase", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "RM25,000 - RM500,000", "ci_rider": "yes", "ci_conditions": "Optional CriticalEase rider: 38 critical illnesses, lump sum payment upon diagnosis; guaranteed acceptance (GIO) with no medical/financial underwriting; attachable to ProtectEase plan", "waiver_rider": "not disclosed", "policy_term_years": 100, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/pds-08Dec2025/ProtectEase-PDS-ENG.pdf", "exclusions": null, "entry_age_min": 17, "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "ProtectEase PDS (ENG) + 0424 brochure: traditional non-participating regular premium WHOLE LIFE plan (Guaranteed Issuance Offer, no medical/financial underwriting) with Death, TPD, ADB and Maturity Benefit (200% of Total Premium Paid); PDS illustration RM500,000 SA at RM15,400/yr for age 30 NB male non-smoker; premium payment term 20 years or full pay up to age 100; coverage to age 100; entry age 17-70 next birthday (brochure FAQ); min SA RM25,000 / max SA RM500,000; TPD max RM8,000,000 combined; ADB max RM3,000,000; reduced cover for non-accidental cause before policy year 6; premium guaranteed and fixed; agency product; optional CriticalEase rider (38 CIs, GIO).", "guaranteed_renewable": "n/a (whole life to age 100)", "channel": "agency", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ammetlife-protectplus", "tier_name": "ProtectPlus", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 45, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM150,000 - RM1,000,000", "ci_rider": "no", "ci_conditions": "n/a", "waiver_rider": "no", "policy_term_years": 70, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/pds-08Dec2025/ProtectPlus-PDS-ENG.pdf", "exclusions": null, "entry_age_min": 0, "renew_age_max": 70, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "ProtectPlus PDS (ENG) + 0424 brochure: traditional non-participating regular premium TERM plan with Guaranteed Cash Payment; Death + TPD benefit, ADB (100%/200% of SA on public conveyance), GCP 0-55% of Basic Annual Premium yearly from end of 4th policy year (by entry age band); premium payment and coverage term to age 70 (PDS); entry age 30 days to 45 NB (brochure FAQ); 6 plan types monthly premium RM150-RM1,000 mapping to SA RM150,000-RM1,000,000; TPD max RM8,000,000 combined; ADB max RM8,000,000; reduced cover for children under age 3; GCP only for entry age 1-40; premium guaranteed and fixed; agency product.", "guaranteed_renewable": "no (term to age 70; no renewal)", "channel": "agency", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ammetlife-amp-life-byond", "tier_name": "AMP LIFE BYOND", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM100,000 (minimum; maximum not disclosed)", "ci_rider": "no", "ci_conditions": "n/a", "waiver_rider": "n/a", "policy_term_years": 20, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/pds-08Dec2025/AMP-LIFE-BYOND-PDS-ENG.pdf", "exclusions": null, "entry_age_min": 0, "renew_age_max": "n/a", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "AMP LIFE BYOND PDS (ENG) + Product Fact Sheet 03/2026: traditional non-participating regular premium TERM plan providing 20 years of coverage; Death + TPD benefit (TPD max RM2,000,000 combined); premium payment term 20 years; entry age 30 days (attained) to 60 (NB) per PFS; min sum assured RM100,000 (PFS); no riders attachable (PDS); reduced cover for children under 3; premium guaranteed and fixed; PFS illustrative premium RM297-963/yr for RM100,000 SA (ages 25-45); no surrender value; product page and PDS cite ammetlife.com.", "guaranteed_renewable": "no (fixed 20-year term)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ammetlife-flexi-termlife", "tier_name": "Flexi TermLife", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 59, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM50,000 (minimum; maximum subject to underwriting)", "ci_rider": "no", "ci_conditions": "n/a", "waiver_rider": "yes", "policy_term_years": 20, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/pds-08Dec2025/FlexiTermLife-PDS-ENG.pdf", "exclusions": null, "entry_age_min": 0, "renew_age_max": "n/a", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Flexi TermLife PDS (ENG) + 0424 brochure: traditional non-participating limited premium payment TERM life plan; Death or TPD benefit; premium payment term 5 or 10 years for 20-year coverage; entry age 30 days to 59 (NB) (brochure FAQ); min SA RM50,000, max subject to underwriting; optional riders: Income Rider, Maturity Rider, Payor Benefit Rider, Triennial Income Rider; TPD max RM8,000,000 combined; reduced cover for death/TPD before age 3; premium guaranteed and fixed; agent product.", "guaranteed_renewable": "no (fixed 20-year term)", "channel": "agency", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ammetlife-protectsecure", "tier_name": "ProtectSecure", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Built-in Critical Illness Benefit covering 39 critical illnesses (lump sum, e.g. RM500,000; Angioplasty and other invasive treatments for coronary artery disease RM25,000); total CI benefit subject to combined limit RM4,000,000 under all CI policies; waiting period applies", "waiver_rider": "yes", "policy_term_years": 70, "verified_at": "2026-08-24", "source_url": "https://www.ammetlife.com/content/dam/metlifecom/my/homepage/pds-08Dec2025/ProtectSecure-PDS-ENG.pdf", "exclusions": null, "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "ProtectSecure PDS (ENG) + 08/2025 brochure: regular premium INVESTMENT-LINKED plan combining protection and investment; Death Benefit (SA + Account Value), TPD, Critical Illness Benefit (39 CIs), Maturity (Account Value); entry from 30 days to max entry age by coverage term - 50 NB for term to 70, 60 NB for term to 80, 70 NB for term to 100 (brochure FAQ); premium payment term = coverage term; min annual premium RM2,100; 6-year No Lapse Guarantee; optional riders incl. CI39, Multi CI Shield, Deferred Disability Income, Dread Disease Waiver of Premium, Hospitalisation, Payor Comprehensive WOP; switching fee RM50 after 2 free; surrender RM100 or 10% of AV; bancassurance product.", "guaranteed_renewable": "not disclosed", "channel": "bancassurance", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-ezy-secure", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (PDS illustration RM500,000 death/TPD)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 37, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/life-and-family/ezy-secure-insurance", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/etiqa/ezy-secure-insurance.html (Next.js client shell; metadata title 'Ezy-Secure Insurance: Term Life Insurance Plan Malaysia' + canonical URL only) + pds-life/etiqa/ezy-secure-pds.txt (PDS dated 24 Dec 2025): regular premium term plan, 37-year protection, covers death and TPD; illustration RM48.84/month for RM500,000 death + RM500,000 TPD (TPD payable only if occurs prior to 65th birthday); premium duration to age 67 in illustration; suicide exclusion 1 year; TPD excluded for self-inflicted injury, criminal/illegal acts, riot, terrorism; 31-day grace; 15-day free look; no surrender value; no CI/waiver benefits stated", "guaranteed_renewable": "not disclosed", "channel": "direct (Total Commission: Not applicable in PDS)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-ezy-life-secure", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (PDS template RM)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/life-and-family/ezy-life-secure-insurance", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/etiqa/ezy-life-secure-insurance.html (Next.js client shell; metadata only) + pds-life/etiqa/ezy-life-secure-pds.txt: non-participating regular premium term insurance, premium payment term up to selected cover period; death = basic sum insured lump sum (refund of total premium only if death in first policy year due to non-accidental cause); TPD = sum insured if TPD before 64th birthday (refund only if first policy year, non-accidental); TPD must be uninterrupted 6 months (presumptive TPD: 2 limbs amputation, both eyes sight loss, 1 limb + 1 eye); TPD cap RM2m across all Etiqa policies, RM1m+ paid in 2 instalments; surrender value only after 24 months in force; suicide exclusion 1 year; 31-day grace; 15-day free look", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-etiqa-term-plus", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (PDS template RM)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 70, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/life-and-family/etiqa-term-plus-insurance", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 70, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/etiqa/etiqa-term-plus-insurance.html (Next.js client shell; page metadata: 'Etiqa Term Plus: KWSP and EPF Life Insurance - life insurance for KWSP members with guaranteed approval, accidents and disability, direct withdrawal from EPF account') + pds-life/etiqa/etiqa-term-plus-pds.txt: regular premium term life to age 70 covering death + TPD (refund of premiums if death/TPD from non-accidental cause within 1 year of issue); accidental death +100% of sum insured (additional 200% if accidental death overseas, first 90 consecutive days per trip); accidental TPD +100%; family package option; suicide exclusion 1 year; premium varies by attained age (age next birthday), rates non-guaranteed with 3-month notice; 31-day grace; 15-day free look; no surrender value", "guaranteed_renewable": "not disclosed (premium rates not guaranteed; revisable with 3 months notice)", "channel": "direct (Total Commission: Not applicable; KWSP/EPF member plan, guaranteed approval per page metadata)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-aspire", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed (PDS illustration death/TPD RM400,000, maturity RM200,000)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "Payor Waiver of Premium on Death, TPD & CI (optional rider; waives future premiums if policy owner dies, becomes TPD or is diagnosed with one of 35 critical illnesses)", "policy_term_years": 30, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/savings/aspire-insurance", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/etiqa/aspire-insurance.html (Next.js client shell; metadata only) + pds-life/etiqa/aspire-pds.txt (PDS dated 26/09/2025): participating 30-year endowment; death/TPD = RM400,000 + attaching bonuses + accumulated Guaranteed Interim Cash Payments (GICP); GICP 30%/30%/40% of sum insured payable at end of last 3 policy years before maturity (accumulate with interest if left); Academic Excellence Award RM1,500 (SPM 8As+) / RM2,000 (STPM 5 Principals As); maturity benefit RM200,000 + bonuses + accumulated GICP (annualised return of guaranteed benefits -5.07%); participating fund: simple reversionary + terminal bonuses; TPD RM2m cap; suicide exclusion 1 year; 31-day grace; automatic premium loan; 15-day free look; illustration RM46,456/yr paid to age 21", "guaranteed_renewable": "n/a (endowment)", "channel": "agent (Total Commission 8.55% of premium or RM79,439.76 in PDS)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-maxiw3alth", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed (PDS illustration death/TPD/maturity RM500,000; retirement celebration RM250,000)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 79, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/savings/maxiw3alth", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/etiqa/maxiw3alth.html (Next.js client shell; metadata only) + pds-life/etiqa/maxiw3alth-pds.txt (PDS dated 18/08/2025): 79-year protection to age 80; death/TPD = highest of RM500,000, total premiums received (less GCP/retirement celebration paid) or surrender value; TPD before 69th birthday, RM8m cap; Guaranteed Cash Payment yearly from end of 1st policy year 5% of sum insured, 10% from policy year of age 61; Retirement Celebration Benefit RM250,000 lump sum at policy year of age 60; maturity RM500,000 lump sum at age 80; guaranteed benefit annualised return 2.50%; 31-day grace; automatic premium loan; 15-day free look", "guaranteed_renewable": "n/a (endowment)", "channel": "agent (Total Commission 8.55% of premium or RM102,087.00 in PDS)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-flexipro", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (PDS illustration RM500,000 death/TPD; min sum insured RM5,000)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 100, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/investment-linked/flexipro-insurance", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/etiqa/flexipro-insurance.html (Next.js client shell; metadata only) + pds-life/etiqa/flexipro-pds.txt (PDS dated 20/11/2025): single premium investment-linked plan covering death and TPD; death/TPD = highest of (RM500,000 + top-ups less withdrawals x initial multiplier), account value at next valuation, or RM5,000; TPD before 69th birthday (excess over account value capped RM2m); maturity/surrender = account value; single premium illustration RM400,000, 95% allocated to units; fund management fee 1.25-1.50% NAV; unlimited free switching; suicide (1 yr) and AIDS/HIV exclusion; 31-day grace; 15-day free look", "guaranteed_renewable": "not disclosed", "channel": "agent (Total Commission 3.75% of premium or RM15,000 in PDS)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-maxipro", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (PDS illustration RM500,000 death/TPD; partial withdrawal reduces sum insured to min RM5,000)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 55, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my/investment-linked/maxipro-insurance", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/etiqa/maxipro-insurance.html (Next.js client shell; metadata only) + pds-life/etiqa/maxipro-pds.txt (PDS dated 26/09/2025): regular premium ILP with limited premium paying term, death + TPD; death/TPD = higher of RM500,000 or account value; TPD before 69th birthday, RM8m cap; maturity/surrender = account value (less surrender charges 20% of annual premium yrs 1-2); illustration RM2,940/yr to age 38, coverage to age 55, 89% first-year allocation; admin RM18 first 12 months then RM7/month; insurance charge deducted monthly; surrender on guaranteed-acceptance policy limited to unallocated premiums + account value if non-accidental death/TPD within 2 years; min sum insured RM5,000; 31-day grace; 15-day free look", "guaranteed_renewable": "not disclosed", "channel": "agent (Total Commission 5.92% of total premium in PDS)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-sun-protect-term", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (large size discount for coverage RM250,000 and above)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 5, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sun-protect-term/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/sunlife/sun-protect-term.html: term plan covering death, TPD and terminal illness; choice of 5-year or 20-year renewable term; guaranteed renewability to age 80 regardless of health condition; premium from as low as RM0.34/day; large size discount for sum assured RM250,000+; advisor channel (page contact form)", "guaranteed_renewable": "yes (renews every 5 or 20 years regardless of health condition, continuous coverage to age 80)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-sun-essential-life", "tier_name": "Base Plan (6 plan types)", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "up to RM500,000 sum assured (6 plan types)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 80, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sun-essential-life/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/sunlife/sun-essential-life.html: yearly renewable non-pertinent term plan with coverage up to age 80; lump sum on death/TPD due to all causes; additional 100% of basic sum assured on death/TPD due to specified infectious diseases (Dengue Fever, Chikungunya Fever, Malaria, Japanese Encephalitis, Avian Influenza, Zika Virus Infection); up to RM500,000 sum assured; no medical check-up - simple health declaration only", "guaranteed_renewable": "yes (yearly renewable up to age 80)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-sun-wealth-plus", "tier_name": "5 Pay 15 Term / 8 Pay 20 Term", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed (Term Life Rider option boosts death/TPD up to RM300,000)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 5, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sun-wealth-plus/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 70, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/sunlife/sun-wealth-plus.html: non-participating universal-life savings plan with increasing guaranteed annual cash payments; 2 plan options (5 Pay 15 Term, 8 Pay 20 Term); guaranteed acceptance - no underwriting or medical check-up (except foreigners); Guaranteed Survival Benefit paid yearly from end of 1st policy year to maturity; maturity benefit = higher of universal account value or 350% of AP (5 Pay 15) / 580% of AP (8 Pay 20) plus accumulation account less indebtedness; death/TPD = higher of total basic premium paid (excl. top-up) or 105% of universal account value plus accumulation account; TPD expires at age 70; non-accidental death/TPD within first 24 months pays 100% of premiums (incl. top-up) less GSB or universal account value; optional Term Life Rider boosts death/TPD up to RM300,000", "guaranteed_renewable": "n/a (endowment)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-sun-signature-life-plus", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "from RM500,000, doubling to max 2x basic sum assured by 20th policy anniversary; non-medical limit up to RM2m", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 80, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sun-signature-life-plus/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/sunlife/sun-signature-life-plus.html: non-participating universal life plan; up to RM2m non-medical limit (no medical check-up); sum assured from RM500,000, increases 10% of BSA at end of every 2 policy years up to 2x BSA by end of 20th policy anniversary; death/TPD pays higher of BSA + increasing sum assured or universal account value less indebtedness; guaranteed health check-up allowance RM1,500 every 2 policy years (payable even if account value insufficient); guaranteed loyalty bonus 0.5% BSA at 5th policy year and 1.5% at 10th; maturity at age 80 pays universal account value; Conditional No Lapse Guarantee if premiums paid within grace period", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-sunlink-max", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (discount on basic cost of insurance for higher sum assured)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 70, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sunlink-max/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 99, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/sunlife/sunlink-max.html: full premium allocation (basic and top-up) into investment-linked funds; death/TPD benefit = sum assured or account value; 6 optional riders (medical, CI, accident, disability); 12 professionally managed investment-linked funds; discount on basic COI for higher sum assured; policy term options to age 70/80/99 or 30 years; extension of insurance coverage to age 99 (no underwriting, additional premiums) for terms up to age 70/80/30; maturity benefit (age 99 term only) = sum assured + total account value", "guaranteed_renewable": "yes (insurance coverage automatically extended to age 99 on expiry, subject to additional premiums, no underwriting)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-sun-fortune", "tier_name": "3Pay20 / 3Pay30 / 5Pay30", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 20, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sun-fortune/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/sunlife/sun-fortune.html: investment-linked plan; short premium commitment 3 or 5 years; covers death/TPD; choice of investment-linked funds; Loyalty Booster allocates up to 500% of current annualised basic premium into protection account (150%/150%/200% at end of policy year 20, 150%/300% at year 30 depending on plan); maturity benefit = total account value; guaranteed acceptance no medical underwriting", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-sun-saver-max", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "death/TPD = 110% of total premiums paid (entry age 0-50) or 103% (51-70)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 2, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/life-insurance/sun-saver-max/", "exclusions": null, "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/sunlife/sun-saver-max.html: short-term savings insurance plan, 2-year premium/policy term; no underwriting or medical check-up up to RM500,000 annualised basic premium; death/TPD = 110% of total premiums paid (entry age 0-50) or 103% (51-70); Guaranteed Cash Payouts 2% of total premiums paid at end of each policy year; maturity benefit 100% of total premiums paid plus final GCP; PowerPay Bonus Campaign adds 2.2% of premiums paid when paired with participating bancassurance product", "guaranteed_renewable": "n/a (endowment)", "channel": "not disclosed (bancassurance campaign referenced)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-enrich-life", "tier_name": "FWD Enrich Life", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "RM500,000 (PDS illustration); Death/TPD = higher of Basic Sum Assured (subject to juvenile lien) or Investment Account Value; TPD max RM7,500,000 per life; Additional Accidental Death 50%-400% of BSA by age band (plan caps RM5m-RM20m)", "ci_rider": "yes", "ci_conditions": "No core CI benefit; critical illness and waiver-of-premium riders attachable; coverage charges deducted monthly from unit value", "waiver_rider": "yes", "policy_term_years": 20, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/fwd-enrich-life/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read enrich.html (canonical /life-insurance-takaful/fwd-enrich-life/) + pds/enrich.txt: regular-premium investment-linked plan; Wealth Bonus 8% of initial BSA credited at end of 20th policy year then 4% every 10 years; LifeStage Protection Booster +20% BSA; Retirement Age Option reduces BSA by 50% at chosen retirement age; LifeLegacy Payout Option (lump sum or yearly instalments over 5/10 years); premium payment 5/10/20 years or full coverage term; no-lapse guarantee first 5 policy years; renewal option to age 100; Monthly Service Charge RM8; page hero-block internal URL is /savings-investment-insurance-takaful/fwd-wealthlink-pro/ (WealthLink Pro content now renders on this page).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-gosecure", "tier_name": "GoSecure", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM500,000 (PDS illustration); Death Benefit = higher of 100% of basic sum assured (subject to juvenile lien) or total basic premium paid; TPD max RM4,000,000 per life", "ci_rider": "no", "ci_conditions": "not applicable (Death, accelerated TPD and Surrender Benefits only; CI Benefit is GoSecure+ only)", "waiver_rider": "not disclosed", "policy_term_years": 5, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/gosecure/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not applicable (term plan; coverage ends at chosen policy term up to age 80)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read pds/gosecure.txt + gosecure.html/txt: regular level premium non-participating term plan; Death Benefit; accelerated TPD Benefit expiring when life assured turns 70; Surrender Benefit; premium level and guaranteed throughout premium term; 31-day grace period; 15-day free-look; page covers GoSecure & GoSecure+ with fixed terms 5-35 years or up to age 70/75/80 and flexible premium payment terms; page states CI Benefit is GoSecure+ only.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-gosecure-plus", "tier_name": "GoSecure+", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM500,000 (PDS illustration); Death/accelerated TPD/CI = higher of 100% of basic sum assured (subject to juvenile lien) or total basic premium paid; TPD max RM4,000,000 per life; CI max RM3,000,000 per life; angioplasty limited to 10% of BSA up to RM25,000", "ci_rider": "yes", "ci_conditions": "Accelerated CI on diagnosis of any of 45 critical illnesses (max RM3m per life); angioplasty payout limited to 10% of BSA up to RM25,000", "waiver_rider": "not disclosed", "policy_term_years": 5, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/gosecure/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not applicable (term plan; coverage ends at chosen policy age up to 80)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read pds/gosecure-plus.txt + gosecure.html/txt: regular level premium non-participating term plan; adds accelerated Critical Illness benefit on any of 45 CIs (max RM3m per life; angioplasty 10% of BSA up to RM25k); TPD benefit expires at age 70; premium guaranteed and level; 31-day grace; 15-day free-look; page = GoSecure & GoSecure+ with terms 5-35 years or up to 70/75/80.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-legacyguard", "tier_name": "FWD LegacyGuard", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed (Death Benefit yrs 1-2 = 100% of total basic premium, yr 3+ = 105%; Additional Accidental Death = 500% of Annual Basic Premium during premium term, max RM2,000,000 per life; Compassionate Benefit RM1,000 per life assured after premium term; GLCP grows 10% every 5 years)", "ci_rider": "not disclosed", "ci_conditions": "No core CI benefit; Living Extra (Premium Waiver) and Payor Enhanced Premium Waiver riders attachable per page", "waiver_rider": "yes", "policy_term_years": 20, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/savings-investment-insurance-takaful/fwd-legacyguard/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not applicable (policy term up to age 128 of first life assured)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read pds/legacyguard.txt (FWD LegacyGuard PDS) + legacyguard.html/txt: long-term legacy plan; GLCP grows 10% every 5 years until maturity; GLCP payable annually from end of 21st policy year (first life assured alive at end of 20th); First Year Celebration Bonus 10% of Annual Basic Premium; Guaranteed Acceptance with no medical check-up / health questions (full underwriting may apply if waiver riders added); automatic policy ownership transfer on child turning 21 or owner's death; page also hosts LegacyGuard+ PDS (sibling adds annual GCP) - LegacyGuard+ not rowed separately.", "guaranteed_renewable": "not applicable", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-max-wealth", "tier_name": "FWD Max Wealth", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "RM500,000 (page headline & PDS illustration); Death/TPD before age 71 = higher of 130% (3/6/9-yr premium term) or 115% (full-term) of total premium paid or 100% of BSA; age 71+ = higher of 100% of total premiums paid or 100% of BSA; GCP 3% of BSA every 3rd policy year increasing 3% per cycle; Maturity Benefit 130% of BSA; max TPD RM4,000,000; additional accidental death 100% of BSA, max RM2,000,000", "ci_rider": "no", "ci_conditions": "not applicable (Death, accelerated TPD, accidental death and savings benefits only)", "waiver_rider": "not disclosed", "policy_term_years": 30, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/savings-investment-insurance-takaful/fwd-max-wealth/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not applicable (term-limited plan up to 30 years)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read pds/max-wealth.txt + max-wealth.html/txt: pay premium 3/6/9 years or full term for up to 30 years of protection; Guaranteed Cash Payments (GCP) from end of 3rd policy year increasing by 3% of BSA every 3 years; Maturity Benefit 130% of BSA; Celebrate Living Maturity Booster RM15,000 per life event up to 3 events; Additional Accidental Death 100% of BSA up to age 75 (max RM2m); 15-day free-look, 31-day grace; page: up to RM500,000 protection with a few simple health questions.", "guaranteed_renewable": "not applicable", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-wealthlink", "tier_name": "FWD WealthLink", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "RM500,000 (PDS illustration); Death/TPD = Basic Sum Assured + Investment Account Value; TPD max RM4,000,000 per life; Smart Protection +10% every 5 policy years up to 5 times", "ci_rider": "yes", "ci_conditions": "No core CI; page lists attachable riders for medical coverage, hospitalisation expenses and critical illnesses", "waiver_rider": "not disclosed", "policy_term_years": 20, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/fwd-wealthlink/", "exclusions": null, "entry_age_min": "14 days", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read pds/wealthlink.txt + wealthlink.txt/html (canonical /life-insurance-takaful/fwd-wealthlink/): investment-linked plan; Smart Protection +10% every 5 years up to 5x; Death/TPD = BSA + Investment Account Value; Maturity Benefit = Investment Account Value; guaranteed not to lapse first 5 policy years; renewal to age 100; Monthly Service Charge RM8; page shows entry-age premium bands 14 days-15 yrs and 16-70 yrs (amounts withheld as premium data); 15-day free-look.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-guaranteed-income-booster", "tier_name": "FWD Guaranteed Income Booster", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (GCP = 2.5% of rider sum assured paid every year from inception to rider maturity; death/TPD = higher of 105% of rider premiums paid minus total GCP paid or rider cash value; maturity = 100% of rider sum assured)", "ci_rider": "no", "ci_conditions": "not applicable (pure income rider; no CI element)", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/savings-investment-insurance-takaful/fwd-guaranteed-income-booster/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not applicable", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read guaranteed-income-booster.html/txt: savings & investment rider with GCP of 2.5% of rider sum assured yearly from inception until rider matures; 100% of rider SA paid at maturity; on death/TPD higher of 105% of rider premiums paid minus total GCP paid or rider cash value; brochure PDF linked; sold via agents (enquiry form).", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-life-first", "tier_name": "FWD Life First", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed (Death/TPD = 100% of sum covered + Participants' Savings Account value; accidental 200%/300%/500% of sum covered + PSA; family accidental death RM15,000 per person up to 6 members; infectious disease RM5,000; mosquito-borne disease benefit capped RM200,000)", "ci_rider": "not disclosed", "ci_conditions": "No core CI in base plan; separate FWD Critical Illness Rider and Critical Illness Waiver of Contribution Rider offered as add-ons per page", "waiver_rider": "yes", "policy_term_years": 10, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/fwd-life-first/", "exclusions": null, "entry_age_min": "30 days", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read lifefirst.txt + lifefirst.html (canonical /life-insurance-takaful/fwd-life-first/): ordinary family takaful plan of FWD Takaful Berhad (Shariah concepts Wakalah/Tabarru'/Ju'alah/Qard) with regular level contributions; entry 30 days to 70 ANB (min 10-yr term, max expiry 70/80/100 ANB); PSA savings element, profits allocated up to 70%; Badal Hajj support (RM2,000 lump sum for non-Muslims); grief counselling & legal advice reimbursement up to RM2,000 each; 15-day free-look; 90/30-day waiting for infectious/mosquito-borne disease benefits; PDS + Contribution Rebate Campaign T&C linked; takaful: true.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-family-first", "tier_name": "FWD Family First", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (lump sum on claim per family member; up to 6 members per certificate)", "ci_rider": "yes", "ci_conditions": "Core benefit = critical illness takaful covering 56 types of illness incl. children-specific conditions for up to 6 family members under one certificate; exclusions simplified to 3", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/family-first/", "exclusions": null, "entry_age_min": "Certificate owner & spouse 17; children 1 month", "renew_age_max": "not disclosed (owner & spouse cover to 75; children to 25)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read family-first.txt (family-first.html canonical /life-insurance-takaful/family-first/): family takaful CI plan (FWD Takaful Berhad) covering 56 illnesses incl. children-specific, up to six family members on one certificate; exclusions simplified to 3 (suicide/self-inflicted within 1 year, unlawful acts, war); entry owner+spouse 17-60, children 1 month-20; expiry owner/spouse 75, children 25; sold via financial advisors (PDS & Benefit Illustration from advisor); takaful: true.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-future-first", "tier_name": "FWD Future First", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (death, terminal illness and TPD coverage; spouse eligible for new certificate with RM100,000 coverage for 2 years without further underwriting)", "ci_rider": "no", "ci_conditions": "not applicable (covers death, terminal illness, TPD - no critical illness list; supportive counselling/legal benefits)", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/future-first/", "exclusions": null, "entry_age_min": "Certificate owner 17; person covered 1 month", "renew_age_max": "not disclosed (owner expiry 75; person covered expiry 80)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read future-first.txt + future-first.html: takaful plan covering death, terminal illness, TPD plus emotional & practical support (grief counselling, legal advice reimbursement); certificate owner 17-60, person covered 1 month-60; expiry owner 75, person 80; spouse eligible for new certificate with RM100,000 coverage for 2 years without underwriting; FWD Takaful Berhad; takaful: true.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-hayaat", "tier_name": "FWD Hayaat", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed (Death/TPD = 100% of sum covered; Golden Care Illness & Golden Care Disability = 10% of sum covered annually for 5 years; home care assistance reimbursement up to RM10,000; compassionate care RM5,000)", "ci_rider": "yes", "ci_conditions": "No general CI list in base plan; GCI covers old-age-related illness such as Alzheimer's and dementia (10% of sum covered/year x 5 years); separate FWD Critical Illness Rider (36+ conditions, global) attachable", "waiver_rider": "yes", "policy_term_years": 100, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/hayaat/", "exclusions": null, "entry_age_min": "Certificate owner 17; person covered 1 month", "renew_age_max": "not disclosed (owner expiry 75; person covered to 100)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read hayaat.html/txt: lifelong protection takaful (FWD Takaful Berhad); GCI 10% of sum covered annually for 5 years on old-age-related illness (e.g. Alzheimer's, dementia); GCD 10% annually for 5 years on old-age disablement; Waiver of Contribution once GCI/GCD payments begin; Home Care Assistance up to RM10,000; Support & Relief Package (emotional care & legal aid RM5,000, compassionate care RM5,000); 3 exclusions; attachable CI rider (36+ conditions) and CI Waiver rider; takaful: true.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-majestic", "tier_name": "FWD Majestic", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (Death/TPD = 100% of sum covered + account value in Participants' Investment Fund; triple sum covered if death/TPD due to accident; compassionate benefit RM7,000; charity benefit RM3,000)", "ci_rider": "not disclosed", "ci_conditions": "No core CI benefit stated; CI coverage available via separate riders", "waiver_rider": "not disclosed", "policy_term_years": 3, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/majestic/", "exclusions": null, "entry_age_min": "Certificate owner 17", "renew_age_max": "not disclosed (person covered up to 80)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read majestic.txt + majestic.html: investment-linked takaful (FWD Takaful Berhad) with triple sum covered on accidental death/TPD; Annual Cash Payment (not guaranteed, from 3rd certificate year) with reinvestment option; compassionate benefit RM7,000; charity benefit RM3,000 donated to selected charity; ad-hoc partial withdrawal without fees, top-ups, free fund switches; Death/TPD pays 100% sum covered + PIF value (UDR variant keeps base plan in force on TPD); certificate owner entry 17, person covered to 60 (expiry to 80); takaful: true.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-kasih", "tier_name": "FWD Kasih", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (online application flow caps sum covered at RM200,000 per person covered)", "ci_rider": "no", "ci_conditions": "not applicable (death/TPD, accidental death and hospital cash benefits; no CI list)", "waiver_rider": "yes", "policy_term_years": 1, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/", "exclusions": null, "entry_age_min": "not disclosed (age band enforced in online application flow)", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read kasih.html (static shell with __NEXT_DATA__ application copy; txt/kasih.txt is empty): FWD Kasih family protection under Perlindungan Tenang (group yearly-renewable term; BSN/LIAM/ISM consent strings present); death/TPD with extra accidental death (public conveyance / outside Malaysia); daily hospitalisation cash allowance (accident cause; non-accident cause; extra for ICU); no death benefit if natural death/TPD within first 30 days of certificate; 15-day free-look; e-certificate issued online; takaful: true.", "guaranteed_renewable": "no", "channel": "direct", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-life-takaful-cashback", "tier_name": "FWD Life Takaful", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (family protection: certificate owner + spouse + up to 2 children)", "ci_rider": "yes", "ci_conditions": "Cancer, stroke or heart attack benefit if the person covered is diagnosed with any of the three critical illnesses; optional Neurological and Heart Disorder benefit", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.fwd.com.my/life-insurance-takaful/", "exclusions": null, "entry_age_min": "not disclosed (application flow enforces age bands)", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read life-takaful-cashback.html (static shell; product copy in embedded __NEXT_DATA__; txt file empty): family protection takaful with FWD Cashback Add-On Rider - 50% cashback of total contribution if no claim until maturity; base benefits: death, TPD, cancer/stroke/heart attack CI + optional Neurological & Heart Disorder benefit; Cashback Rider has no exclusions, terminates on owner death/TPD; from RM25/month marketing line (premium not entered in schema); online application with e-certificate, 15-day return; FWD Takaful Berhad; takaful: true.", "guaranteed_renewable": "not disclosed", "channel": "direct", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-great-term-direct", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": "n/a", "verified_at": "2026-08-24", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/protection/great-term-direct.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "pds-life/ge-great-term-direct-pds.txt (PDS 0468/V03/0723): non-participating term plan, death + TPD (TPD before age 65 next birthday); cover & premium duration up to age 80 next birthday; TPD benefit max RM10m per life paid in 3 annual installments (first = SA or RM2m whichever lesser); bereavement benefit first RM5,000 of SA; premium non-guaranteed, revisable with 3 months notice; no fees/charges; no surrender value; grace 30 days; free-look 15 days; sum assured selected from Premium Amount Tables (not stated in PDS); product page URL best-effort (PDS cites greateasternlife.com/my)", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-essential-cover", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 30, "verified_at": "2026-08-24", "source_url": "https://mya.zurich.com.my/rdt/essentialcover", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "pds-life/zurich-essential-cover-pds-en.txt (PDS dated 1 Jan 2026): 30-year term covering Death, TPD, Golden Age Disability (GAD) and Accidental Death Benefit; illustration (healthy 30yo male non-smoker, RM1,536/yr): Death/TPD/GAD RM300,000 or total premiums paid whichever higher (policy years 3-30; years 1-2 = all premiums paid); ADB add-ons: Balik Kampung +RM300k, Public Conveyance +RM600k, Overseas +RM900k, On-board Flight +RM1.2m, Natural Disaster +RM1.5m; premium duration 30 years; premium guaranteed; commission 28.5% of premium or RM2,626.56 over 6 years; grace 31 days; cooling-off 15 days; juvenile lien applies to Death/TPD before age 4; sum assured range not stated (illustration only)", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-termlife", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "ProLife 36 Super 2 Rider; ProLife 36 Plus Rider", "waiver_rider": "yes", "policy_term_years": 50, "verified_at": "2026-08-24", "source_url": "https://mya.zurich.com.my/rdt/termlife", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "pds-life/zurich-termlife-pds-en.txt (PDS dated 1 Jan 2026): 50-year term covering Death and TPD; illustration (healthy 30yo male non-smoker, RM5,215/yr): Death/TPD RM500,000; conversion option to any life policy covering death/TPD only for same or lower SA without evidence of insurability; riders: Accidental Death Benefit & RCC, Accident Indemnity & RCC, Improved Accident Indemnity & RCC, Personal Accident, ProLife 36 Super 2 Rider, Hospitalisation Benefit Rider, Hospital & Surgical Benefit, Special Payor Benefit, ProLife 36 Plus Rider, Waiver of Premium on Dread Disease; premium duration 50 years; premium guaranteed (standard risks); commission 28.5% of premium or RM8,917.65 over 6 years; grace 31 days; cooling-off 15 days; juvenile lien applies to Death/TPD before age 4; sum assured range not stated (illustration only)", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "fwd-icare", "tier_name": "Plan C", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": "n/a", "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/insurance/life/icare/", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 81, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/fwd-icare-pds.txt (PDS): non-participating yearly renewable plan, protection up to age 81; Death + TPD + Additional Accidental Death Benefit; illustration (aged 30 male, RM741/yr, Plan C): Death RM500,000, TPD RM500,000 (max TPD RM2m per life), ADB RM250,000; Death/TPD/ADB provided before policy anniversary when life assured is 70; renewal premiums NON-guaranteed, increase with attained age at renewal, insurer may revise with 30 days written notice; duration up to age 81 upon payment of renewal premium; grace 31 days; reinstatement not applicable; no cash value on surrender/termination; free-look 15 days; other plans (A/B) not detailed in PDS; product page URL best-effort (PDS cites fwd.com.my)", "guaranteed_renewable": "no", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-smartprotect-you", "tier_name": "SMARTPROTECT You", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (premiums from RM100/month, RM1,200/year)", "ci_rider": "yes", "ci_conditions": "Optional riders: IL Critical Illness Benefit Rider, IL Critical Illness Plus Rider, Smart Multi Critical Care (188 conditions across early/intermediate/advanced stages), Smart Critical Relief, Smart Early Payout CriticalCare", "waiver_rider": "yes", "policy_term_years": 80, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/smartprotect-you.html", "exclusions": null, "entry_age_min": "16 years next birthday", "renew_age_max": "n/a (fixed coverage term to age 80 or 100 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read /tmp/ge-smartprotect-you.html (canonical page; 'Information correct as on 1 August 2026'; full text also in /tmp/ge-smartprotect-you.txt). Regular premium ILP from RM100/month; additional 1% of basic sum assured per completed policy year up to max 40%; death/TPD payout = basic SA + additional SA + total investment value; No-Lapse Guarantee first 3 policy years; entry age 16-70 years next birthday; level premiums to 80 NB, step-up basis for 100 NB option; exclusions: suicide within 1st year, self-inflicted TPD, pre-existing TPD; sold via Life Planning Advisor (agent)", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-smartprotect-sure", "tier_name": "SMARTPROTECT Sure", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "from RM500,000 (coverage starting from RM500,000)", "ci_rider": "yes", "ci_conditions": "Optional IL Critical Illness Plus Assure Rider pays on critical illness to the life assured; plan riders have guaranteed insurance charge rates", "waiver_rider": "yes", "policy_term_years": 30, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/smartprotect-sure.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "n/a (coverage 30 years or to age 70 years next birthday, whichever later)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read /tmp/ge-smartprotect-sure.html (canonical page; 'Information correct as on 27 July 2026'). Regular premium ILP; +1% SA per completed policy year up to 30 years; maturity payout = 100% TIV plus booster 12% of basic SA; convertible to level SA endowment or whole life at maturity (not later than age 80 NB); No-Lapse Guarantee first 6 policy years; guaranteed insurance charge rates; PIDM unit portion protection subject to limitations; sold via Life Planning Advisor (agent)", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-smartprotect-wealth-plus", "tier_name": "SMARTPROTECT Wealth Plus", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "RM500,000 minimum", "ci_rider": "yes", "ci_conditions": "Optional riders: Smart Multi Critical Care (188 conditions, multiple-pay across early/intermediate/advanced), Smart Critical Relief, IL Critical Illness Benefit Rider, IL Critical Illness Plus Rider", "waiver_rider": "yes", "policy_term_years": 100, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/smartprotect-wealth-plus.html", "exclusions": null, "entry_age_min": "14 days attained age", "renew_age_max": "n/a (coverage to age 100 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read /tmp/ge-smartprotect-wealth-plus.html (canonical page; 'Information correct as on 27 July 2026'). Legacy-planning regular premium ILP; +1% SA per completed policy year up to 40% max; death/TPD payout = basic SA + additional SA + TIV; extra accidental death cover until 70 NB anniversary; booster 12% of basic SA; No-Lapse Guarantee first 6 policy years; exclusions: suicide 1st year, self-inflicted/TPD pre-existing, accidental death benefit needs death within 90 days; entry 14 days to 70 NB; sold via Life Planning Advisor (agent)", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-smartprotect-junior", "tier_name": "SMARTPROTECT Junior", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 15, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "RM12,000 minimum", "ci_rider": "yes", "ci_conditions": "Optional IL Junior CI Plus Rider (child critical illnesses), IL Critical Illness Benefit Rider, IL Critical Illness Plus Rider, Smart Multi Critical Care (188 conditions)", "waiver_rider": "yes", "policy_term_years": 100, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/smartprotect-junior.html", "exclusions": null, "entry_age_min": "14 days attained age (child); unborn child from 13 weeks gestational period", "renew_age_max": "n/a (coverage to age 100 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read /tmp/ge-smartprotect-junior.html (canonical page; 'Information correct as on 1 August 2026'). Child ILP, protectable from unborn stage; +1% SA per year to end of 30th policy year; death/TPD payout = basic SA + additional SA + TIV; maturity = 100% TIV; No-Lapse Guarantee first 3 policy years; Smart Baby Shield Plus rider for pregnant mums/unborn; min SA RM12,000; entry child 14 days - 15 years, unborn 13-36 weeks gestation; exclusions: pre-existing conditions, suicide 1st year, self-inflicted TPD; agent sales", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-smart-revive-max", "tier_name": "SMART Revive Max", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 45, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "RM500,000 minimum; non-medical limits up to RM8.0 million", "ci_rider": "yes", "ci_conditions": "Optional riders: Smart Multi Critical Care (188 conditions), IL Critical Illness Benefit Advance Rider, IL Critical Illness Plus Rider, Smart Critical Relief; ICU Admission Event Benefit up to 5% of basic SA", "waiver_rider": "yes", "policy_term_years": 70, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/smart-revive-max.html", "exclusions": null, "entry_age_min": "14 days attained age", "renew_age_max": "n/a (coverage to age 70, 80 or 90 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read /tmp/ge-smart-revive-max.html (canonical page; 'Information correct as on 27 July 2026'). Limited-pay ILP; +5% SA every 10 years up to max 30%; Cover Revive feature restores sum assured 24 months after partial withdrawal (max RM250,000); booster rewards + double maturity booster; ICU 5+ days pays up to 5% SA; No-Lapse Guarantee first 6 years; optional Legacy Distribution Rider; exclusions: suicide 1st year, self-inflicted/TPD pre-existing, admission within first 120 days; min SA RM500,000", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-great-vantage-care", "tier_name": "GREAT VantageCare 2", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Base plan pays Basic SA + Additional SA + Cash Bonus + Terminal Bonus on advanced-stage critical illness; Angioplasty & invasive coronary artery treatments pay 10% of ASA, max RM25,000 per life", "waiver_rider": "not disclosed", "policy_term_years": 87, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/great-vantage-care.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "n/a (whole life, matures at age 87 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read /tmp/ge-great-vantage-care.html (canonical page; 'Information correct as at 1 June 2024'). Participating whole life living assurance plan with non-guaranteed bonuses; death/TPD (before age 70) pay BSA + additional SA + cash/terminal bonuses; maturity lump sum at 87 less prior coronary treatment payouts; premium rates guaranteed; free-look 15 days; PIDM protection up to limits; sold via Life Planning Advisor", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-great-early-vantage-care", "tier_name": "GREAT Early VantageCare 2", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Base plan covers 50 critical illnesses across early, intermediate and advanced stages with multiple claims (no waiting between submissions); pays % of BSA and additional SA by stage; additional SA varies by severity level", "waiver_rider": "not disclosed", "policy_term_years": 87, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/great-early-vantage-care.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "n/a (matures at age 87 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read /tmp/ge-great-early-vantage-care.html (canonical page; 'Information correct as of 22 July 2024'). Participating whole life living assurance with non-guaranteed bonuses; covered illnesses include cancer, heart attack, Parkinson's, coronary artery bypass, stroke, major organ transplant; death/TPD pay BSA+ASA+bonuses; maturity lump sum at 87 less earlier CI payouts; premium rates guaranteed; free-look 15 days; sold via Life Planning Advisor", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-great-generation-care", "tier_name": "GREAT Generation Care", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "RM50,000 - RM5,000,000", "ci_rider": "yes", "ci_conditions": "Base plan covers 50 critical illnesses (lump sum = higher of 100% BSA or total premiums); Child Protect Benefit covers 50 CIs + 11 child illnesses for children to age 18 NB free of medical underwriting; optional Parent Protect Rider covers Alzheimer's/severe dementia, cancer, Parkinson's; 30/60-day waiting period per CI", "waiver_rider": "yes", "policy_term_years": 80, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/great-generation-care.html", "exclusions": null, "entry_age_min": "17 years next birthday", "renew_age_max": "n/a (matures at age 80 years next birthday)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read /tmp/ge-great-generation-care.html (canonical page; 'Information correct as on 26 August 2025'). 3-generation family critical illness plan; death/TPD payout = higher of 100% BSA or premiums; Emotional Support Benefit +1% BSA on child/parent claims; maturity = higher of 100% BSA or premiums at 80; sum assured RM50k-RM5m; entry 17-60 NB; exclusions incl. suicide, TPD causes, CI waiting periods 30/60 days, HIV/AIDS; optional Payer Benefit Extra and Premium Waiver on CI riders listed on PDS overview", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ge-great-maxiprotector", "tier_name": "GREAT MaxiProtector", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Optional supplementary benefits/riders available including critical illness and accident coverage (Critical Illness Care Rider listed on GE PDS overview)", "waiver_rider": "not disclosed", "policy_term_years": 87, "verified_at": "2026-08-26", "source_url": "https://www.greateasternlife.com/my/en/personal-insurance/our-products/life-insurance/great-maxiprotector.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "n/a (matures at age 99)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Read /tmp/ge-great-maxiprotector.html (canonical page; 'Information correct as on 1 June 2024'). Affordable non-participating whole life policy maturing at 99; death pays basic SA lump sum; TPD before age 65 pays basic SA; maturity pays basic SA; premium rates guaranteed; all ages refer to age NB; free-look 15 days; no guaranteed minimum cash value until 3 years of premiums; sold via agent", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "generali-gencreator", "tier_name": "GenCreator", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "min RM350,000", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 15, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/gencreator", "exclusions": null, "entry_age_min": "15 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Generali MY Savings & Life Protection index + product page + PDS (SI PDS GenCreator V2.7 16/07/2026). Regular premium ILP; Death/TPD (TPD before age 70) = higher of Basic Sum Insured less withdrawals within past 12 months or Account Value; Maturity Benefit at age 100 = higher of BSI less withdrawals or AV; Guaranteed Auto Renewal to age 100 without evidence of insurability (subject to sufficient account value to deduct charges); Loyalty Bonus 0.5% of avg monthly AV every 2 policy years from 6th anniversary; Loyalty Booster 20% of avg monthly AV over last 10 years at 20th anniversary (max 20% of BSI); entry age 15 days old - 70 years old (index page); min sum insured RM350,000 (index page); illustration (healthy 30yo male, RM4,200/yr, 100% Select Opportunity Fund, PPT 5 yrs): Death/TPD RM500,000, 30-year cover; premium payment terms 5/10/15/20 yrs or to end of coverage term; surrender charge 20%/10%/nil (policy years 1/2/3+); insurance charges not guaranteed, revisable with 90 days notice; service charge RM6 monthly; exclusions: suicide within 12 months, war, hazardous sports, narcotics/alcohol; no CI rider disclosed on public pages; PDS under Generali Life Insurance Malaysia Berhad 200601003992 (723739-W)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "generali-wealth-creator-premier", "tier_name": "Wealth Creator Premier", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "min RM800,000 (not listed as max)", "ci_rider": "not disclosed", "ci_conditions": "Terminal Illness Benefit included in basic plan: 100% of death benefit payable upon terminal illness diagnosis (not a CI rider)", "waiver_rider": "not disclosed", "policy_term_years": 20, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/wealth-creator-premier", "exclusions": null, "entry_age_min": "15 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Generali product page + PDS (Wealth Creator Premier_Eng_Website Version). Regular premium ILP; Death/TPD (before age 70)/Terminal Illness = higher of BSI less withdrawals within past 12 months or Account Value; TPD benefit limit RM4m per life (excess payable on death; RM1.5m lump sum + balance 12 months later if >RM1.5m); Maturity Benefit at age 100 = higher of BSI less withdrawals or AV; Auto Guaranteed Renewal up to age 100 without evidence of insurability; Loyalty Bonus 0.5% of avg monthly AV every 2 policy years from 6th; Special Booster 10% every 15th policy anniversary; Legacy Booster 10% at end of initial coverage term; Wellness Reward 5% discount on insurance charge for SA RM1m+ with no basic-plan claims; premium terms 5/10/15/20 yrs or until end of coverage term; entry age 15 days old - 70 (index page: min sum insured RM800,000); 'not for you if age 71 and above'; exclusions: suicide 12 months, self-inflicted TPD, hazardous activities; no CI rider disclosed on public page", "guaranteed_renewable": "Yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "generali-genwealth", "tier_name": "GenWealth", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "Terminal Illness Benefit included in base plan: 100% of death benefit payable (not a CI rider)", "waiver_rider": "not disclosed", "policy_term_years": 15, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/genwealth", "exclusions": null, "entry_age_min": "15 days old", "renew_age_max": "not disclosed (fixed term plan)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Generali product page + PDS (GenWealth_Eng_Website Version). Limited-pay regular premium ILP, term 15/20/30 yrs, PPT 2 or 4 yrs; No Lapse Guarantee (policy kept in force until maturity if premiums paid and no withdrawals); Death = aggregate of RM5,000 (BSI in illustration) + Account Value from 3rd policy year; Accidental Death/TPD benefit additional RM5,000 (illustration) subject to max RM2,000,000 per life; TPD cap RM4m per life (excess payable on death); guaranteed enrolment with NO medical underwriting (all new business subject to internal approval); Loyalty Bonus 0.38% of avg monthly AV every 2 policy years from 6th anniversary; Special Booster at every 10th policy anniversary; entry 15 days old - 70 years old; index page lists minimum PREMIUM of RM100,000 (not sum assured); PDS illustration Basic Sum Insured RM5,000 + Account Value; exclusions: suicide within 1 year, self-inflicted TPD, pre-existing injury for accidental death; grace 31 days; free-look 15 days", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "generali-life-80", "tier_name": "Life 80", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 65, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "min RM25,000 (max subject to underwriting)", "ci_rider": "yes", "ci_conditions": "Optional riders per product page: Critical Illness Rider, Accelerated Critical Illness Rider, 110 CI Care (CI riders available); Income Shield Rider also available", "waiver_rider": "not disclosed", "policy_term_years": 80, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/life-80", "exclusions": null, "entry_age_min": "15 days old", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Generali product page + Life 80 PDS (ENG Website Version). Non-participating plan offering death protection up to Age 80; pays lump sum Death (Basic Sum Insured) benefit if death during term; Death/bereavement benefit; riders available: Hospital Income Benefit, Critical Illness Rider, Accelerated Critical Illness Rider, 110 CI Care, Income Shield Rider; entry age 15 days old - 65 years old (age last birthday), product page states 'not for you if your age is 66 and above'; coverage to age 80; min sum insured RM25,000, max subject to underwriting; grace 31 days; free-look 15 days; suicide exclusion within 1 year of issue/reinstatement; PDS issued by Generali Life Insurance Malaysia Berhad 200601003992 (723739-W)", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "generali-secure-shield", "tier_name": "Secure Shield", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "max RM200,000 (min premium RM1,080 per annum)", "ci_rider": "no", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 80, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/secure-shield", "exclusions": null, "entry_age_min": 30, "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Generali product page + Secure Shield PDS (Eng Website Version). Non-participating plan offering protection until Age 80 with Maturity Benefit (80% of Total Premium Paid) at maturity; Death Benefit = highest of Basic Sum Insured, Total Premium Paid or Guaranteed Cash Value (policy year 3 onwards; years 1-2 non-accidental death = Total Premium Paid); Accidental Death Benefit +200% BSI; Death due to Vaccination Side Effects +20% BSI; Death during Hospitalisation in Isolation Ward +20% BSI; Daily Hospital Income Benefit RM50/day (max 30 days/policy year, due to accident); guaranteed premium (same throughout policy duration); no medical underwriting/check-ups; entry age 30 - 70 (Age Last Birthday) - not for you if aged 71+; nationality: Malaysian (incl. PR), Singaporean, Bruneian; max sum insured RM200,000; min premium RM1,080/yr; grace 31 days with automatic premium loan from Guaranteed Cash Values; exclusions: suicide (sane or insane) within 12 months; ADB/accident hospital income exclusions (disease, poison/drugs, assault, war, airborne activities, pregnancy, pre-existing defects, riot, hazardous activities)", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "generali-wealth-protect-assure-2", "tier_name": "Wealth Protect Assure 2", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "min RM10,000 (max subject to underwriting)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 70, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/assure-2", "exclusions": null, "entry_age_min": "15 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Generali product page + Wealth Protect Assure 2 PDS (Eng Website Version). Investment-linked plan combining protection and investment; Death Benefit = Basic Sum Insured + total investment value; TPD Benefit = BSI (subject to RM4m per life; excess payable on death; RM1.5m lump sum + remainder 12 months later if >RM1.5m); covers to Initial Term of age 99, guaranteed renewable without evidence of insurability up to Renewal Term of age 100 (subject to sufficient Account Value; opt-in within 60 days of Renewal Notice; additional premium may be required); alternative premium options: non-level (Alt 1) and level (Alt 2); entry age from 15 days old - 70 years old (Age Last Birthday; 'not for you if 71 and above'); min sum insured RM10,000; flexible top-ups; riders include medical riders (e.g. OneMedic Plus unit-deducting rider per its PDS); insurance charges deducted monthly, not guaranteed; free-look 15 days; TPD before age 70", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "generali-wealth-creator", "tier_name": "Wealth Creator", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "min RM500,000", "ci_rider": "not disclosed", "ci_conditions": "Terminal Illness Benefit included in base: 100% of death benefit payable upon terminal illness", "waiver_rider": "not disclosed", "policy_term_years": 30, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/wealth-creator", "exclusions": null, "entry_age_min": "15 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Generali product page + Wealth Creator PDS (Eng Website Version). Regular premium ILP; Death/TPD/Terminal Illness = higher of Basic Sum Insured less withdrawals (12 months) or Account Value; TPD cap RM4m per life (excess payable on death); Accidental Death/TPD before 70: +100% BSI; Public Conveyance: 200% (land), 300% (water/air), 400% (public holiday); aggregate accidental benefit capped RM3m per life; Maturity Benefit = Account Value at end of coverage term; Loyalty Bonus 0.5% of avg monthly AV every 2 policy years from 6th anniversary; Loyalty Booster 20% of avg monthly AV at 20th anniversary (max 20% of BSI); Guaranteed Renewable to age 100 without underwriting; premium payment terms 5/10/15/20 yrs or until end of coverage term; entry age 15 days - 70 (Age Last Birthday); min sum insured RM500,000 (index page); coverage term 30 years or up to age 80; exclusions: suicide within 12 months, self-inflicted TPD, war, hazardous activities; grace 31 days; free-look 15 days", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "generali-elife-protector-plus", "tier_name": "eLife Protector+", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 55, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM25,000 - RM500,000", "ci_rider": "no", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.generali.com.my/savings-life-protection/elife-protector", "exclusions": null, "entry_age_min": 16, "renew_age_max": 75, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Generali product page + eLife Protector+ PDS v03-2026. Non-participating yearly renewable term life insurance; protection up to age 75; Death Benefit 100% of BSI; TPD 100% of BSI (to age 70, subject to RM4m per life, excess payable on death); Accidental Death benefit +100% of BSI (to age 65); pure protection, no savings/investment; sum assured RM25,000-RM500,000 (flexible, choose payout amount); auto-renewable yearly to age 75 if premiums paid; premium rates vary by attained age, gender, smoking status, NOT guaranteed, 90-day notice for revision; TPD (up to age 70) cap RM4m; no cash surrender value; no commission (no intermediary - direct online purchase); application via 4 simple questions, no medical exams; Malaysians only (not for age below 16 or above 55; not for heavy-machinery/high-risk occupations; not for BMI-classified 'obese'); exclusions: suicide 1 year, self-inflicted TPD, war, pre-existing physical/mental defects; grace 31 days; free-look 15 days", "guaranteed_renewable": "No (auto-renewed yearly to age 75, but premium rates NOT guaranteed, revisable with at least 90 days notice)", "channel": "direct online", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "hla-term-cover-10", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 65, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "up to RM500,000", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 10, "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/term-cover-10.html", "exclusions": null, "entry_age_min": 16, "renew_age_max": 65, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "HLA product page (AEM model.json, accessed 2026-08-24): 'A 10-year term life insurance with coverage up to RM500,000. Includes death and TPD protection, plus renewal options without underwriting.' Non-participating plan; lump sum up to RM500,000 on death or TPD; coverage term 10 years (renewable up to 20 years); policy automatically extended up to 2 times with last renewal at age 65 without underwriting; option to convert to a permanent policy; eligible age 16-65 years; premium from RM9/month; available online via hlatouch.my (Buy Now link). No PDS published on product page.", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "hla-total-cover-package", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 65, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "up to RM500,000", "ci_rider": "yes", "ci_conditions": "Coverage up to RM500,000 for 5 major critical illnesses: cancer, coronary artery bypass surgery, heart attack, kidney failure and stroke", "waiver_rider": "not disclosed", "policy_term_years": 10, "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/total-cover-package.html", "exclusions": null, "entry_age_min": 16, "renew_age_max": 65, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Non-participating 10-year insurance combo covering life, critical illness and hospitalisation income, with option to renew without underwriting (product page, accessed 2026-08-24). Death & TPD lump sum up to RM500,000; CI cover for 5 major critical illnesses (cancer, coronary artery bypass surgery, heart attack, kidney failure & stroke); daily hospital income up to RM300/day, 2x daily income if admitted to ICU in Malaysia or overseas; coverage term 10 years (renewable up to 20 years); auto-extension up to 2 times with last renewal at age 65 without underwriting; eligibility 16-65 years; premium from RM9/month; available online via hlatouch.my.", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "hla-secure100", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 65, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed (illustration RM500,000)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": "n/a", "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/secure.html", "exclusions": null, "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "PDS Secure100_ENG.pdf (via hla.com.my/content/dam/hla/products/pds/secure100/): 'Secure100 is a non-participating whole life plan which provides insurance protection up to age 100. In the event of death or Total and Permanent Disability (prior to attaining age 65), we shall pay the Death or TPD Benefit; upon maturity (age 100), we shall pay the Maturity Benefit (100% of Basic Sum Assured).' Fixed premium, no increment throughout policy term; payment frequency monthly/quarterly/half-yearly/annual; eligibility 30 days to 65 years old; coverage up to age 100; TPD benefit limit per life RM10m (ages 15-65); suicide exclusion within 12 months; free-look 15 days; PIDM protected. Product page (accessed 2026-08-24): 'guaranteed lifetime financial protection up to age 100 with multiple payment choices'; sold via Life Advisor (agent).", "guaranteed_renewable": "n/a (whole life)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "hla-prime-protect-gold", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed (illustration RM100,000)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/hla-prime-protect-gold.html", "exclusions": null, "entry_age_min": 40, "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "PDS_HLA Prime Protect Gold_ENG.pdf (via product page, accessed 2026-08-24): 'HLA Prime Protect Gold is a non-participating endowment which provides insurance protection up to age 80. In the event of death during the policy term, we shall pay the Death Benefit; upon maturity, we shall pay the Maturity Benefit (110% of total premium paid).' Death benefit 100% of Basic Sum Assured; Additional Accidental Death Benefit 300% of BSA at attained ages 40-65 and 150% of BSA at 66-80; death benefit at least total premium paid; non-accidental death within first 2 policy years pays total premium paid; entry ages 40-70, coverage up to age 80; no medical check-up; suicide exclusion within 12 months. Product page: life insurance for ages 40 to 70 with coverage up to age 80 and 110% maturity benefit; available via Life Advisor (agent).", "guaranteed_renewable": "n/a (endowment)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "hla-wealth-invest", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 65, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed (SA = 100% of Outstanding GYCC)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 30, "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/hla-wealth-invest.html", "exclusions": null, "entry_age_min": 0, "renew_age_max": 65, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "PDS 'HLA Wealth Invest (Yearly)_ENG.pdf' (via product page, accessed 2026-08-24): 'HLA Wealth Invest is a participating endowment plan which provides insurance protection for 30 years.' Death or TPD (prior to age 65) benefit; Guaranteed Yearly Cash Coupon (GYCC) paid from end of year 1 until maturity/termination; Annual Cash Dividend (non-guaranteed) from end of year 1; advancement of future GYCC up to 85% of next 5 years on qualifying events (marriage, childbirth, hospitalisation, critical illness diagnosis, etc.); premium duration 6 years (limited pay); eligibility from 13th week of gestation to age 65; premium from RM6,000/year; death benefit = 100% of Outstanding GYCC + accumulated GYCC + accumulated dividends + Account Value + Special Terminal Dividend. Available via Life Insurance Agent.", "guaranteed_renewable": "n/a (endowment)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "hla-legacy-wealth", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 80, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "from RM2,000,000", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": "n/a", "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/en/personal/hla-legacy-wealth.html", "exclusions": null, "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "PDS_HLA Legacy Wealth_ENG.pdf (via product page, accessed 2026-08-24): investment-linked plan combining insurance protection and investment, coverage up to age 100. Death benefit = higher of prevailing Basic Sum Assured or Account Value (initial BSA RM2,000,000; min annual premium RM18,000); death benefit settlement option (lump sum or structured annual instalments); Loyalty Bonus credited at end of policy year when Life Assured attains ages 60, 65, 70, 75, 80 (up to 25% of BSA); Maturity Benefit at age 100 = higher of BSA or Account Value; Lapse-Free Zone activated at policy anniversary after attainment of age 95 (coverage continues even if Account Value insufficient); eligible entry ages 30 days to 80 years; policy term up to age 100; available via Life Insurance Agent.", "guaranteed_renewable": "n/a (whole life)", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "manulife-manuterm", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (PDS illustration RM500,000 for healthy 30yo male)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 10, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/life/term-life/manuterm.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "pds-life/manuterm-pds-jina.txt (PDS via manuterm_pds.pdf): non-participating level term plan, death + TPD lump sum; duration template <10-35 years / up to age 55/60/65/70/75/80 next birthday>; illustration RM4,015/yr for RM500,000 death/TPD cover to age 80 (healthy 30yo male); premium revisable on 90 days notice; 30-day grace; 15-day free-look; suicide exclusion 13 months; product page: convertibility to any Manulife permanent plan without evidence of insurability, option to renew without evidence of insurability; sum assured range not stated in PDS; entry age not stated in PDS", "guaranteed_renewable": "yes (option to renew without evidence of insurability; product page)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "manulife-manuprotect", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (PDS illustration RM500,000 basic face amount)", "ci_rider": "Accelerated Critical Illness Rider (optional; advances 30% of basic plan Face Amount on 5 CIs)", "ci_conditions": "5 critical illnesses: cancer, heart attack, stroke, kidney failure, coronary artery by-pass surgery; rider face amount fixed at 30% of basic FA; waiting period 60 days (cancer/heart attack/CABG) or 30 days (kidney failure/stroke); coverage until age 65 next birthday; pre-existing illness exclusion", "waiver_rider": "not disclosed", "policy_term_years": 1, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/life/term-life/manuprotect.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "pds-life/manuprotect-pds.txt (ManuProtect.pdf PDS v8.0): non-participating yearly renewable term; death + TPD lump sum; Accidental Death before age 65 pays additional 100% of Face Amount; renewable up to age 80 next birthday; premium revised annually by attained age, non-guaranteed with 90 days written notice; illustration RM1,060.50/yr for RM500,000 death/TPD (healthy 30yo male); no cash value; 30-day grace; 15-day free-look; optional Accelerated Critical Illness Rider (30% of FA, 5 CIs, to age 65); stamp duty included in premium", "guaranteed_renewable": "yes (guaranteed yearly renewal up to age 80 next birthday)", "channel": "direct (no sales intermediary; no commission - PDS states direct purchase)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "manulife-manuwhole-life", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed (PDS illustration RM500,000 for healthy 30yo male)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 99, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/life/whole-life/manuwhole-life.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 99, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "pds-life/manuwhole-life-pds.txt (manuwhole-life_pds.pdf): non-participating whole life policy; death + disability coverage until age 99; lump sum benefit on death/TPD; premium payable to age 99 next birthday; premium revisable on 90 days notice; illustration RM6,855/yr for RM500,000 (healthy 30yo male); 30-day grace; 15-day free-look; suicide exclusion 13 months", "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "manulife-manulife-future-shield", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed (illustration: face amount RM500,000 from age 70; 105% of total modal premiums paid less withdrawals prior to age 70)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 5, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/life/whole-life/manulife-future-shield.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 99, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "pds-life/manulife-future-shield-pds.txt (manulife-future-shield_pds.pdf): limited-pay non-participating whole life; covers death, disability and accidental death; death/TPD benefit: policy years 1-2 = total modal premium paid; prior to age 70 = 105% of (total modal premium paid less Prime Years Withdrawal Benefit withdrawn); from age 70 = Face Amount (illustration RM500,000); senior care benefit, accidental death benefit, Prime/Golden Years Withdrawal benefits; premium duration 5 years; premium revisable 90 days notice; 30-day grace; 15-day free-look; multiplier % of face amount based on entry age (product page)", "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "manulife-easy-cover", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 20, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/life/term-life/manulife-easy-cover.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Product page (no PDS located; brochure PDF unreachable): guaranteed issuance (no medical/financial underwriting); protects death, TPD and accidental death; bereavement benefit up to 20% of sum assured; additional 100% of sum assured on accidental death; TPD and Accidental Death cover to end of policy term or age 70 whichever earlier; death/TPD by non-accidental cause in first 2 policy years refunds total premiums paid; coverage term 20 years or to age 80", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "manulife-easy-protect", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 79, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (premium rate per RM1,000 sum assured; example FA RM200,000; premium table for entry ages 19-79)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "TPD waiver: future premiums waived while TPD (prior to age 70) persists", "policy_term_years": 80, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/life/term-life/manulife-easy-protect.html", "exclusions": null, "entry_age_min": 19, "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "pds-life/manulife-easy-protect-pds.txt (PDS dated 01/09/2021): non-participating term plan up to age 80 next birthday; death, accidental death, TPD; death benefit: PY1-2 total modal premiums paid, accidental 100% sum assured or higher of FA/110% premiums, 200%/300% FA on public conveyance/fire; Guaranteed Survival Benefit 50% of annualised premium every 5 policy years; TPD benefit max RM10m per life; ADB caps RM2m (occ class 1-3) / RM600k (class 4); premium rates non-guaranteed, 90-day notice; entry ages 19-79 per premium table; annual premium rate table per RM1,000 FA; 30-day grace; 15-day free-look", "guaranteed_renewable": "not disclosed", "channel": "agent (Total Distribution Cost payable to intermediary, 65% yr1 declining to 0% from yr 7)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "manulife-asset-shield", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (illustration: basic face amount RM500,000; death/TPD = higher of RM500,000 or Account Value)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 25, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/invest/investment-linked-plan/manulife-asset-shield.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "pds-life/manulife-asset-shield-pds.txt (Manulife-Asset-Shield.pdf): ILP combining insurance protection and investment; pays higher of death/TPD benefit or unit value at claim; maturity benefit and No Lapse Guarantee; illustration RM10,000/yr, 100% equity fund, basic FA RM500,000 (healthy 30yo male); premium allocation to units; unallocated premium charge, insurance charge, monthly administration charge RM6 (monthly mode) / RM5 (other); full/partial surrender penalties first 2 policy years; 90-day notice on policy charges; 30-day grace; 15-day free-look; product page: premium payment terms 6/10/20 years, coverage terms 25/30/35 years", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "manulife-heritage", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (illustration: basic FA RM500,000; death/TPD = higher of FA or Account Value)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 70, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/investment-linked-plan/manulife-heritage.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 99, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "pds-life/manulife-heritage-pds.txt (Manulife-Heritage.pdf): ILP; pays higher of death/TPD benefit or investment value; additional benefits: Accidental Death Benefit, Protection Booster, Cover Reset, Wellness Reward, Loyalty Bonus, No Lapse Guarantee, Renewal Benefit (renew to age 99 without re-underwriting), Maturity Bonus; illustration RM10,000/yr, 100% equity fund, FA RM500,000; premium payment 6/10/20 years; admin charge RM5-6 monthly; surrender/withdrawal penalties first 2 years; 90-day notice on policy charges; 30-day grace; 15-day free-look; product page: coverage to age 70, 80 or 99 next birthday", "guaranteed_renewable": "yes (renewal benefit renews policy to age 99 next birthday without re-underwriting)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "manulink-essential-and-essential-plus", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (illustration: RM500,000 basic FA; death/TPD = higher of FA or Account Value)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 70, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/investment-linked-plan/manulink-essential-and-essential-plus.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 99, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "pds-life/manulink-essential-pds.txt (ManuLink-Essential-and-ManuLink Essential Plus.pdf): Essential pays higher of death/TPD benefit or unit value; Essential Plus pays total of death/TPD benefit AND unit value; benefits: Wellness Reward, Retirement Income Option, Maturity Benefit, Renewal Benefit (to age 99 without re-underwriting), No Lapse Guarantee; illustration RM10,000/yr, FA RM500,000; duration options to age 70/80/99 NB or 20 years; unallocated premium charge; admin RM6/RM5; surrender/partial penalties first 2 years; 90-day notice; 30-day grace; 15-day free-look", "guaranteed_renewable": "yes (Renewal Benefit renews to age 99 next birthday without re-underwriting)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "manulink-wealth", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (illustration: RM500,000 basic FA; death/TPD = higher of FA or Account Value)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "Waiver of Premium Benefit on critical illness (cancer, stroke, heart attack)", "policy_term_years": 6, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/en/individual/products/investment-linked-plan/manulink-wealth.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 99, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "pds-life/manulink-wealth-pds.txt (ManuLink-Wealth.pdf): ILP pays higher of death/TPD benefit or unit value; benefits: Accidental Death Benefit, Loyalty Reward (20-yr PPT only), Wellness Reward, Waiver of Premium Benefit (CI: cancer, stroke, heart attack - survival/waiting period applies), Maturity Benefit, Renewal Benefit (to age 99); premium terms 6/10/20 years; deferred premium charge 3-5% p.a. for first 6-10 years; surrender penalty first 6-10 years; waiting period 30 days; admin RM6/RM5; 90-day notice; 30-day grace; 15-day free-look; product page: premium payment term 6, 10 or 20 years", "guaranteed_renewable": "yes (renewal Benefit: policy to age 99 without re-underwriting)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "mcis-mylifeprotect", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 55, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM10,000 - RM500,000 (PDS FAQ: min RM10,000 subject to min RM480 p.a. premium; max RM500,000 subject to underwriting)", "ci_rider": "none (no riders attachable to MyLife Protect per PDS FAQ)", "ci_conditions": "not applicable (pure death + TPD protection plan; no critical illness cover)", "waiver_rider": "none (no riders attachable)", "policy_term_years": 10, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/mylifeprotect", "exclusions": null, "entry_age_min": 16, "renew_age_max": 70, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/mcis-mylifeprotect-pds.txt (MyLife Protect PDS/brochure): regular premium non-participating term; death + TPD 100% BSA; entry age 16-55 NB; term 10/20/30 years to max expiry age 70 NB; BSA RM10,000-RM500,000; no surrender value; level guaranteed premium; exclusions: suicide/self-inflicted 13 months, unlawful act; 15-day free look; payment via online banking and debit/credit card; no riders attachable", "guaranteed_renewable": "no (level term; premiums level and guaranteed for the chosen term; no renewal option)", "channel": "direct (available via any branch nationwide and via website www.mcis.my)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "mcis-ezyprotect", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed (PDS: actual BSA available up to RM100,000; illustration RM500,000)", "ci_rider": "none (Additional Coverage: Not applicable)", "ci_conditions": "not applicable", "waiver_rider": "none (no additional coverage)", "policy_term_years": 80, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/ezyprotect", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/mcis-ezyprotect-pds.txt: non-participating yearly renewable term; death only + Funeral Expenses Benefit (5% BSA from PY2); non-accidental death PY2+ = higher of 100% BSA or total premiums paid; accidental death 250% BSA; public conveyance 350% BSA; actual BSA up to RM100,000; term to age 80 last birthday / PPT to 79; premium non-guaranteed (90-day notice); no surrender value; 30/45-day grace; 15-day free look; suicide exclusion 13 months", "guaranteed_renewable": "yes (yearly renewable term; premium non-level, increases with attained age, revisable on 90 days' notice)", "channel": "not disclosed (PDS shows commission payable to intermediaries)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "mcis-super", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed (PDS illustration RM500,000 BSA; In-Force Sum Assured +RM50,000 every 5 policy years)", "ci_rider": "not applicable (36 critical illnesses included in base plan)", "ci_conditions": "36 CIs incl. cancer, stroke, heart attack, multiple sclerosis, coronary artery by-pass surgery (PDS examples, not exhaustive); waiting period 30 days (60 days for angioplasty/other invasive coronary treatments, cancer, CABG, heart attack, serious coronary artery disease); max total CI payout RM500,000 (RM25,000 angioplasty); pre-existing illness excluded; cover starts only if no manifestation during waiting period", "waiver_rider": "Payer Benefit Rider (optional rider listed)", "policy_term_years": 70, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/superseries", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/mcis-super-pds.txt (Super PDS, SuperSeries family) + life-src/mcis-superseries.html: non-participating whole life; death + TPD + 36 CI + maturity benefit; 1st 5 policy years: death RM500,000, accidental death RM1,000,000, specific accidental causes RM1,500,000; maturity RM1,150,000; premium guaranteed; riders: Accident Benefit, Child Accident, Enhanced Comprehensive PA (+Medical & Surgical), Enhanced Hospital & Surgical, Hospital Benefit, LadyCare With/Without Maternity, Living Benefit, Payer Benefit, Revised Comprehensive PA (+Medical & Surgical), Term Rider; 30/45-day grace; 15-day free look", "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed (PDS shows commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "mcis-supertreasure", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed (illustration RM500,000 BSA; In-Force SA +RM50,000 every 5 policy years)", "ci_rider": "not applicable (built-in 36 CIs)", "ci_conditions": "36 CIs incl. cancer, stroke, heart attack, MS, CABG; 30-day waiting (60 days for cancer/CABG/heart attack/serious CAD/angioplasty); max total CI payout RM500,000 (RM25,000 angioplasty); pre-existing excluded", "waiver_rider": "Payer Benefit Rider (optional)", "policy_term_years": 70, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/superseries", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/mcis-supertreasure-pds.txt: SuperSeries family sibling of Super; identical benefit structure (death/TPD/ADB/CI up to RM500,000, maturity RM1,150,000, In-Force SA +RM50k/5yrs, same rider list) plus Survival Benefit RM25,000 yearly from end of policy year 10", "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "mcis-mcoreprotect", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed (illustration RM500,000 BSA; product page: death coverage up to age 70/80/90 NB)", "ci_rider": "not applicable (critical illness built into base plan)", "ci_conditions": "CIs grouped in 13 categories (Cardiovascular, Digestive, Hematological, Hepatic, Neurological, Renal, Respiratory, Sensory, Disabilities, Infections, Cancer, Progressive Scleroderma, Terminal Illness); waiting period 30 days (60 days for Cancer and Cardiovascular System); RM500,000 for covered CIs except angioplasty (RM25,000); pre-existing conditions excluded; max total RM500,000", "waiver_rider": "not applicable (no additional coverage)", "policy_term_years": 70, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/M-CoreProtect", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 90, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/mcis-mcoreprotect-pds-m.txt + -wm.txt (with/without Maturity Benefit variants): non-participating whole life; death RM500,000; CI cover; maturity RM500,000 (with-MB variant); premium guaranteed; 30/45-day grace; 15-day free look; suicide exclusion 12 months; product page: cover to age 70/80/90 NB", "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "mcis-mseniorprime", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "up to RM300,000 (PDS: actual BSA up to RM300,000; illustration RM500,000; product page: up to RM300,000, no medical check-up required)", "ci_rider": "none (no riders)", "ci_conditions": "not applicable", "waiver_rider": "none (no riders)", "policy_term_years": 5, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/M-SeniorPrime", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 80, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/mcis-mseniorprime-pds-m.txt + -wm.txt (with/without Maturity Benefit variants): non-participating whole life; death + Funeral Expense Benefit (10% BSA, max RM10,000, reduces death benefit); additional accidental death tiers 100%-500% BSA (festive season 200%, public conveyance 300%, overseas 400%, natural disaster 500%; only highest payable); maturity (with-MB variant) = higher of 100% BSA or 100% total basic premium paid; suicide exclusion 12 months; premium guaranteed; product page: no medical check-up, PPT 5/10/20 yrs or to age 80 NB", "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed (intermediary channel)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "mcis-goldenseniorcare", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "up to RM50,000 (PDS: actual BSA up to RM50,000; illustration RM500,000)", "ci_rider": "not applicable (no additional coverage)", "ci_conditions": "not applicable", "waiver_rider": "not applicable", "policy_term_years": 6, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/life-insurance/golden-senior-care", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/mcis-goldenseniorcare-pds.txt + life-src/mcis-goldenseniorcare.html: non-participating whole life for seniors; death benefit (PY1 non-accidental = premium paid); accidental death 400% BSA; maturity 100% BSA; no medical underwriting; premium guaranteed; suicide exclusion 13 months; 15-day free look", "guaranteed_renewable": "n/a (whole life)", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "mcis-mfortune", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (illustration RM500,000 BSA; death benefit = BSA + Account Value)", "ci_rider": "optional riders: Critical illnessProtect, M-LifeCare, CI Multi Shield (with/without Cancer Recovery Benefit)", "ci_conditions": "not disclosed (rider terms not in base PDS)", "waiver_rider": "CI Waiver Plus (optional rider listed)", "policy_term_years": 80, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/investment-linked-insurance/m-fortune-link", "exclusions": null, "entry_age_min": "30 days", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/mcis-mfortune-pds.txt: non-participating ILP; death RM500,000+AV, TPD RM500,000, Compassionate RM5,000, maturity = AV; 3 Years Guaranteed Coverage; Auto-Extended Policy Term to age 100 NB; entry ages 30 days - 70 NB (product page); riders incl. I-Linked LadyCare/PA/Hospital Benefit 2; 90-day notice on charges; 30/45-day grace; 15-day free look", "guaranteed_renewable": "n/a (ILP)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "mcis-primelink", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (illustration RM500,000 BSA; death/TPD = RM500,000 + AV)", "ci_rider": "optional riders (Critical illnessProtect, M-LifeCare, CI Multi Shield w/ or w/o Cancer Recovery Benefit)", "ci_conditions": "not disclosed (rider terms not in base PDS)", "waiver_rider": "CI Waiver Plus (optional rider)", "policy_term_years": 60, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/investment-linked-insurance/primelink", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/mcis-primelink-pds.txt: non-participating ILP; death RM500,000+AV, accidental RM1,000,000+AV, TPD RM500,000+AV; Compassionate RM3,000; maturity = AV; 5-year Guaranteed Coverage; riders: Critical illnessProtect, CI Waiver Plus, M-LifeCare, CI Multi Shield, I-Linked LadyCare 2, I-Linked PA 2, I-Linked Hospital Benefit 2; charges non-guaranteed (90-day notice); 30/45-day grace", "guaranteed_renewable": "n/a (ILP)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "mcis-peoplelink", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "RM50,000 - RM450,000 (product page minimum/maximum BSA)", "ci_rider": "optional riders: Critical illnessProtect, CI Multi Shield, M-LifeCare", "ci_conditions": "not disclosed (rider terms not in base PDS)", "waiver_rider": "CI Waiver Plus (optional rider)", "policy_term_years": 10, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/investment-linked-insurance/peoplelink", "exclusions": null, "entry_age_min": "30 days", "renew_age_max": 90, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/mcis-peoplelink-pds.txt + life-src/mcis-peoplelink.html: ILP; natural death 100% BSA+AV, accidental 200% BSA+AV, TPD 100% BSA+AV; Compassionate RM3,000; 5-yr Guaranteed Coverage; riders: Critical illnessProtect, CI Waiver Plus, M-LifeCare, CI Multi Shield, I-Linked LadyCare 2, I-Linked PA 2, I-Linked Hospital Benefit 2; entry ages 30 days - 70 NB (80/90 cov) or 60 NB (70 cov); BSA RM50k-RM450k; min regular premium RM1,500 p.a.", "guaranteed_renewable": "n/a (ILP)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "mcis-maxsaver", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 50, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed (illustration RM500,000 BSA; death/TPD = higher of BSA or total MaxSaver Basic Premium paid, plus AV)", "ci_rider": "none (no CI rider among listed options)", "ci_conditions": "not applicable", "waiver_rider": "Premium Waiver Rider and Payer Benefit Rider (optional riders listed)", "policy_term_years": 15, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/savings/maxsaver", "exclusions": null, "entry_age_min": "30 days", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/mcis-maxsaver-pds.txt + life-src/mcis-maxsaver.html: ILP with Guaranteed Cash Payment (RM5,000 PY1 illustration) + Maturity Benefit (AV); death/TPD = higher of BSA or total basic premium paid + AV; Booster Premium allocated to units; riders: Hospital Benefit, Revised Comprehensive PA, Accident, Term, Living, Premium Waiver, Payer; entry ages 30 days - 50/55/60/65 NB by policy term (product page)", "guaranteed_renewable": "n/a (ILP)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "mcis-edusecure", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed (illustration RM500,000 BSA for child aged 5 NB)", "ci_rider": "none (only Term Rider - Payer optional)", "ci_conditions": "not applicable", "waiver_rider": "Term Rider - Payer (optional; payer entry age 18-60 NB per product page)", "policy_term_years": 17, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/savings/edusecure", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/mcis-edusecure-pds.txt + life-src/mcis-edusecure.html: non-participating education endowment; death/TPD = higher of BSA or total EduSecure Basic Premium paid + AV; EduRewards guaranteed cash RM150,000 at child ages 18-21 NB (illustration); EduRewards Plus maturity RM150,000 + AV; Saver Premium 95% allocated to units; optional Term Rider (Payer, entry 18-60 NB per product page); grace 30/45 days; premium guaranteed", "guaranteed_renewable": "n/a (fixed-term endowment)", "channel": "not disclosed (commission payable)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "tokio-term-defender", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "up to RM500,000 (site tagline: 'Instant & affordable coverage up to RM 500,000!')", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com/my/en/life/products/personal/protect/tokiomarine-term-defender.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/tokio-tmlife-products-jina.txt (Jina dump of the 'Protect Your Life' product listing page). Product detail pages not harvestable: tokio-ibeyond-jina.html / tokio-ilifeguard-jina.html / tokio-direct.html are Incapsula challenge pages; tokio-life-ind-jina.txt is an error page; tokio-life-jina*.txt and tokio-sitemap.txt are 404 pages (wrong domain). Only listing-level facts recorded; all other fields 'not disclosed'. Tagline from listing; PIDM footnote 1 (benefits protected by PIDM up to limits).", "guaranteed_renewable": "not disclosed", "channel": "online/direct (listed under Buy Online; TM Defender Series portal)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "tokio-e-ssential-tenang", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com/my/en/life/products/personal/protect/perlindungan-tenang-tokiomarine-e-ssential-tenang.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/tokio-tmlife-products-jina.txt (Jina dump of the 'Protect Your Life' product listing page). Product detail pages not harvestable: tokio-ibeyond-jina.html / tokio-ilifeguard-jina.html / tokio-direct.html are Incapsula challenge pages; tokio-life-ind-jina.txt is an error page; tokio-life-jina*.txt and tokio-sitemap.txt are 404 pages (wrong domain). Only listing-level facts recorded; all other fields 'not disclosed'. Described as 'Affordable Internet Life Insurance Plan for everyone.'", "guaranteed_renewable": "not disclosed", "channel": "online/direct (listed under Buy Online: essentialtenang portal)", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "tokio-ilifeguard", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com/my/en/life/products/personal/protect/tokiomarine-ilifeguard.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/tokio-tmlife-products-jina.txt (listing). Dedicated dump life-src/tokio-ilifeguard-jina.html is an Incapsula challenge page (skipped). PIDM footnote 2 indicates unit-linked (unit portion protection subject to limitations).", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "tokio-ibeyond", "tier_name": "Base Plan", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com/my/en/life/products/personal/protect/tokiomarine-ibeyond.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "life-src/tokio-tmlife-products-jina.txt (listing). Dedicated dump life-src/tokio-ibeyond-jina.html is an Incapsula challenge page (skipped).", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "pru-prulive-well", "tier_name": "PRULive Well", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "yes", "policy_term_years": 40, "verified_at": "2026-08-24", "source_url": "https://bit.ly/PRULiveWell", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "PDS text file read: pds/pru-prulive-well-pds.txt (PDS dated 18/11/2025, valid to 18/12/2025). Non-participating plan, coverage throughout policy term; illustration: male 40 non-smoker, Basic SA RM500,000, Monthly Income Benefit RM2,000/mo (2/6 or 3/6 ADL), premium RM8,095.60/yr, coverage term 40 years, premium payment 20 years; refund of total premium at maturity; Waiver Benefit waives premiums once Monthly Income Benefit payable; no tier matrix in PDS (single illustration).", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "pru-pruterm-premier", "tier_name": "PRUTerm Premier", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 50, "verified_at": "2026-08-24", "source_url": "https://bit.ly/PRUTermPremier", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "PDS text file read: pds/pru-pruterm-premier-pds.txt (PDS dated 18/11/2025, valid to 18/12/2025). Non-participating term plan, lump sum death benefit only; illustration: male 30 non-smoker, Basic SA RM500,000, premium RM2,710.00/yr, coverage term 50 years; premium rates guaranteed; no tier matrix in PDS (single illustration).", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "pru-pruwith-you-plus", "tier_name": "PRUWith You Plus", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 50, "verified_at": "2026-08-24", "source_url": "https://bit.ly/PRUWithYouPlus", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "PDS text file read: pds/pru-pruwith-you-plus-pds.txt (PDS dated 19/11/2025, valid to 19/12/2025; pages 6-7 of 16 extracted). Regular premium ILP; illustration: male 30 non-smoker, Basic SA RM500,000, premium RM2,544.00/yr, duration 50 years (to ANB 80); death benefit = SA + Sum Assured Booster (up to +50%) + unit values; TPD to ANB 71; Longevity Benefit at ANB 101; Extension of Coverage Term to ANB 101; No-Lapse Provision first 72 months; rider details in unextracted appendices; no tier matrix in PDS (single illustration).", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-a-life-cover", "tier_name": "A-Life Cover", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "75 advanced stage (A-Plus Critical Assure Accelerate/Additional); 65 early + 40 intermediate (A-Plus Critical Early); 180 early-to-advanced (A-Plus Critical Multi); 8 (A-Plus Critical Recovery)", "waiver_rider": "no", "policy_term_years": 10, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/en/our-products/health-protection/life-protection/a-life-cover.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "PDS text file read: pds/aia-a-life-cover-pds.txt (PDS dated 12/23/2025, 35 pages). 10-year term plan, death + TPD (APDC, to age 70 or term end); illustration: RM500,000 SA, RM966.00/yr, duration to age 40; Conversion Privilege to new life policy without evidence of insurability (insured age 65 or below, within 5 years before expiry); AIA Vitality Protect Booster up to +20% SA; riders incl. CI riders (APCA Accelerate/Additional, APCE, APCM, APCR) and APDC/APHI/APTAS/APAS; no waiver rider; no tier matrix in PDS (single illustration).", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-a-lifelink-2", "tier_name": "A-LifeLink 2", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "75 advanced (A-Plus Beyond Critical Shield / Critical Assure Accelerate/Additional); 65 early + 40 intermediate (A-Plus Beyond Early Critical Shield); 36 categories (A-Plus Early CriticalCare); 36 advanced (A-Plus Multi CriticalCare); 44 (A-Plus WaiverExtra)", "waiver_rider": "yes", "policy_term_years": 25, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/en/our-products/health-protection/life-protection/a-lifelink-2.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "PDS text file read: pds/aia-a-lifelink2-pds.txt (PDS dated 12/22/2025, 58 pages). Regular premium ILP; illustration: RM500,000 SA, RM8,000.00/yr, duration 25 years; death benefit = SA + Anniversary Bonus (up to +20%) + Account Value; TPD to age 70; maturity at end of 25th policy year; Five Years Guaranteed Coverage; Automatic Extension of Coverage Term to age 100 (subject to sufficient Account Value); riders incl. CI riders (APBCS, APBECS, APCA, APECC, APMCC) and waiver rider A-Plus WaiverExtra (44 CI, TPD at age 70 and below); no tier matrix in PDS (single illustration).", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-a-lifesecure", "tier_name": "A-LifeSecure", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "39 critical illnesses (A-Plus CriticalCare rider)", "waiver_rider": "no", "policy_term_years": "n/a", "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/en/help-support/form-library.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "n/a", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "PDS text file read: pds/aia-a-lifesecure-pds.txt (PDS dated 12/10/2025, 17 pages). Whole life protection to age 100; death benefit 100% of Basic SA; maturity benefit 100% of Basic SA at age 100; TPD via A-Plus DisabilityCare (APDC) rider to age 65 (issued for insured age 60 and below, no extra charge to standard life); illustration: RM500,000 SA, RM5,220.00/yr; premium guaranteed; riders: APDC, A-Plus HospitalIncome, A-Plus Total AccidentShield, A-Plus AccidentShield, A-Plus CriticalCare (39 CI); no waiver rider; no tier matrix in PDS (single illustration). PDS hosted on AIA Form Library page.", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "aia-a-lifetime-secure", "tier_name": "A-LifeTime Secure", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "39 critical illnesses (A-Plus CriticalCare rider)", "waiver_rider": "no", "policy_term_years": "n/a", "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/en/help-support/form-library.html", "exclusions": null, "entry_age_min": "not disclosed", "renew_age_max": "n/a", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "PDS text file read: pds/aia-a-lifetime-secure-pds.txt (PDS dated 12/10/2025, 17 pages). Whole life protection to age 100; death benefit 100% of Basic SA; maturity benefit 100% of Basic SA at age 100; TPD via A-Plus DisabilityCare (APDC) rider to age 65 (issued for insured age 60 and below, no extra charge to standard life); illustration: RM500,000 SA, RM5,775.00/yr; premium guaranteed; riders: APDC, A-Plus HospitalIncome, A-Plus Total AccidentShield, A-Plus AccidentShield, A-Plus CriticalCare (39 CI); no waiver rider; no tier matrix in PDS (single illustration). PDS hosted on AIA Form Library page.", "guaranteed_renewable": "n/a", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-everlasting-cover", "tier_name": "Zurich Everlasting Cover", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 65, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "RM20,000 - RM300,000", "ci_rider": "no", "ci_conditions": "No critical illness rider mentioned on product page or PDS; base covers Death/TPD/GAD only", "waiver_rider": "no", "policy_term_years": 100, "verified_at": "2026-08-26", "source_url": "https://www.zurich.com.my/insurance-products/protection/for-my-life/zurich-everlasting-cover", "exclusions": null, "entry_age_min": "14 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Zurich MY protection/for-my-life product page + PDS pds-everlasting-cover-en.pdf (dated 1 Jan 2026, healthy 30yo male non-smoker illustration). Whole life plan, Guaranteed Acceptance with no medical check-up required; coverage up to age 100; Death/TPD/GAD benefits up to 600% of Basic Sum Assured (accidental death ladders: Balik Kampung +100% BSA, Public Conveyance +200%, Overseas +300%, On-board Flight +400%, Natural Disaster +500%); Guaranteed Maturity Benefit 150% of BSA if entry age <= 40, 130% if entry age > 40; BSA selectable RM20,000-RM300,000; within first 2 policy years death/TPD/GAD (non-accident) refunds all premiums paid less indebtedness; entry age 14 days - 65 years old, policy owner at least 16; exclusions: suicide within 1 year, TPD pre-existing conditions; accidental death benefits subject to max RM10,000,000 per life; PIDM-protected (unit portion subject to limitations)", "guaranteed_renewable": "n/a", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-surecover", "tier_name": "Zurich SureCover", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed (premium from as low as RM75 per month)", "ci_rider": "no", "ci_conditions": "No critical illness rider mentioned on product page or PDS", "waiver_rider": "no", "policy_term_years": 100, "verified_at": "2026-08-26", "source_url": "https://www.zurich.com.my/insurance-products/protection/for-my-life/zurich-surecover", "exclusions": null, "entry_age_min": 35, "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Zurich MY product page + PDS pds-surecover-en.pdf (dated 1 Jan 2026, healthy 35yo male non-smoker illustration). Whole life plan with Guaranteed Acceptance for Life Assured aged 35-70, no medical check-up required; coverage up to age 100; premium from as low as RM75/month; Death Benefit: within first 2 policy years = refund of Total Premiums Paid (without interest), after 2 years = Basic Sum Assured or Total Premiums Paid whichever higher less indebtedness; Guaranteed Accidental Death Benefit: 500% of BSA or 300% of TPP depending on attained age at death; Guaranteed Maturity Benefit at end of policy year after 100th birthday = 188% of Total Premiums Paid; page lists only these benefits - no CI or waiver riders; entry 35-70 (attained age), policyholder at least 16; PDS adds Accidental Death Benefit (ADB) and Repatriation Benefit; suicide exclusion within 1 year; PIDM-protected", "guaranteed_renewable": "n/a", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-multi-shield", "tier_name": "Zurich Multi Shield", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "no", "ci_conditions": "No critical illness rider in base plan; Terminal Illness (TI) and Terminal Cancer (TC) benefits included in base (100% of BSA payable upon diagnosis); optional riders include ProLife 36 Super Rider (critical illness)", "waiver_rider": "yes", "policy_term_years": 30, "verified_at": "2026-08-26", "source_url": "https://www.zurich.com.my/insurance-products/protection/for-my-life/zurich-multi-shield", "exclusions": null, "entry_age_min": "14 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Zurich MY product page + PDS pds-multi-shield-100-en.pdf (dated 1 Jan 2026, healthy 30yo male non-smoker illustration). Non-participating plan covering Death, TPD (to age 70), Golden Age Disability GAD (to age 100), Accidental Death, Terminal Illness (TI) and Terminal Cancer (TC); Death/TPD/GAD/TI/TC = RM500,000 (illustration) or cash value or Total Premium paid whichever higher; protection up to 600% BSA via accidental death ladders (Balik Kampung +100%, Public Conveyance +200%, Overseas +300%, On-board Flight +400%, Natural Disaster +500% of BSA); Guaranteed Maturity Benefit 150% of BSA (entry age <= 40) or 130% of Total Premium paid (entry age > 40); 30-year coverage convertible for continuous protection; Spouse Care Privilege up to RM250,000 without medical underwriting; min entry 14 days, max entry 70 (65 for 20-year limited-pay 30-year plan); optional riders: Accidental Death Benefit & RCC, Accident Indemnity, Personal Accident, ProLife 36 Super Rider, Hospitalisation Benefit Rider, Hospital & Surgical Benefit, Special Payor Benefit, Critical Care Premium Waiver; guaranteed annualised returns 1.30% if held to maturity (PDS); premium payable guaranteed throughout premium term; suicide exclusion within 1 year; PIDM-protected", "guaranteed_renewable": "n/a", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-prestige-cover", "tier_name": "Zurich Prestige Cover", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 55, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "RM20,000 - RM300,000", "ci_rider": "no", "ci_conditions": "No critical illness rider mentioned on product page or PDS (death/TPD/GAD/accidental death only)", "waiver_rider": "not disclosed", "policy_term_years": 30, "verified_at": "2026-08-26", "source_url": "https://www.zurich.com.my/insurance-products/protection/for-my-life/zurich-prestige-cover", "exclusions": null, "entry_age_min": "14 days old", "renew_age_max": "n/a (30-year term, plan ends at maturity)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Zurich MY product page + PDS pds-prestige-cover-en.pdf (dated 1 Jan 2026). Endowment plan with 30-year coverage term; pay for 5, 10 or 20 years and stay protected for 30; BSA selectable RM20,000-RM300,000; Death/TPD/GAD benefit = highest of 100% BSA, Total Premium Paid or Cash Value, escalating up to 600% of BSA via accidental death ladders; in the event of death/TPD/GAD (non-accident) within first 2 policy years refunds all premiums paid less indebtedness; TPD coverage to age 70 and Golden Age Disability benefit to maturity; guaranteed maturity benefit; open to anyone 14 days - 55 years old (except PPT 5 years which allows up to age 70); policyholder at least 16; accidental death benefits max RM10,000,000 per life; suicide exclusion within 1 year; PIDM-protected", "guaranteed_renewable": "n/a", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-favour8", "tier_name": "Zurich Favour8", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 65, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "min RM10,000 (maximum subject to underwriting)", "ci_rider": "no", "ci_conditions": "No CI rider in base; optional Critical Illness Premium Waiver rider only (waives premiums on covered CI diagnosis)", "waiver_rider": "yes", "policy_term_years": 20, "verified_at": "2026-08-26", "source_url": "https://www.zurich.com.my/insurance-products/savings/for-my-future/zurich-favour8", "exclusions": null, "entry_age_min": "30 days old", "renew_age_max": "n/a (fixed term)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Zurich MY savings/for-my-future product page + PDS pds-favour8-en.pdf (dated 1 Jan 2026, healthy 30yo male non-smoker). Pay 8 years only for assured 20-year coverage; Death/TPD benefit = higher of RM500k (illustration) or Total Premiums paid for Zurich Favour8 Basic less total GCB paid, plus fund value; Guaranteed Cash Back yearly from end of policy year 1 to year 20, totalling 120% of basic sum assured; Guaranteed maturity benefit = 128% of basic sum assured (illustration RM640,000) plus fund value; premium splits 70% basic and 30% saver premium invested in Global Edge Fund and Vulture Fund (95% allocation); min sum assured RM10,000, max subject to underwriting; entry age 30 days - 65 years old; optional Critical Illness Premium Waiver rider; suicide exclusion within 1 year; PIDM-protected (unit portion limited)", "guaranteed_renewable": "n/a", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-max1nvest", "tier_name": "Zurich Max1nvest", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "ilp", "sum_assured_range": "not disclosed", "ci_rider": "no", "ci_conditions": "No CI rider mentioned; Death/TPD benefit = higher of sum assured or cash value", "waiver_rider": "no", "policy_term_years": 70, "verified_at": "2026-08-26", "source_url": "https://www.zurich.com.my/insurance-products/investment/for-my-future/zurich-max1nvest", "exclusions": null, "entry_age_min": "30 days old", "renew_age_max": 100, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Zurich MY investment/for-my-future product page + PDS pds-max1nvest-en.pdf (dated 1 Jan 2026, healthy 30yo male non-smoker). Single-premium investment-linked plan; insurance protection + investment; Death/TPD benefit = higher of sum assured (RM500,000 in illustration) or cash value; coverage for 70 years (illustration); 95.5% of premium allocated to purchase units, 3.8% commission; access to local and foreign funds; maturity benefit = cash value; entry age 30 days - 70 years old, policyholder at least 16; exclusions: suicide within 1 year (only cash value payable), violation of law, TPD pre-existing conditions; PIDM-protected (unit portion subject to limitations)", "guaranteed_renewable": "n/a", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "manulife-health-saver-enrich", "tier_name": "MHSE 200", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "Deductible options RM500/RM1,000/RM5,000/RM10,000 per year per covered member; 5% co-insurance on Outpatient Illness Treatment subject to max co-insurance RM150/year; main hospital & surgical benefits payable as charged less deductible", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "120/210", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B RM200/day no day limit; ICU no day limit; Daily Guardian RM100/day max 150 days/year; Government Hospital Cash RM65/day up to 60 days per confinement; Non-Medical Related Expenses RM400 per disability per year; Outpatient Illness Treatment up to RM3,000/year less 5% co-insurance (max RM150/year); TCM & Chiropractic RM200/visit up to RM2,000/year; Nursing Care at Home RM4,000/year up to 200 days lifetime; Intraocular Lens RM8,000 lifetime; Vaccination RM2,000 lifetime (RM500 first year); Psychotherapy RM250/visit, RM1,500/year, RM5,000 lifetime; International Emergency Medical Evacuation up to RM100,000 lifetime; Second Medical Opinion RM2,000/year; Emergency Accidental Injury up to RM2,500 per injury; Outpatient Cancer/Kidney Dialysis/Stroke treatment as charged", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.manulife.com.my/content/dam/insurance/my/documents/products/product-disclosure-sheet/manulife-health-saver-enrich_pds.pdf", "exclusions": "Pre-existing illness; specified illnesses within 120 days of Issue/Reinstatement/date of birth; conditions arising within first 30 days except accidental injuries; plastic/cosmetic surgery, Lasik; dental except accidental injury to sound natural teeth; rest cures, illegal drugs, sterilisation, venereal disease, AIDS/HIV; congenital conditions/hereditary conditions manifesting before age 17; pregnancy/childbirth/infertility; investigatory hospitalisation; non-exhaustive (see policy contract)", "entry_age_min": 1, "renew_age_max": 98, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official PDS (template with <> placeholders, generated 22 Aug 2025) + official MHSE Individual Brochure (Award Update 260817, 17pp) + official product page. PDS confirms: unit-deducting medical rider on ILP (units deducted from account value into insurance risk fund for COI), cashless basis, Overall Individual Annual Limit RM3,000,000, No Lifetime Limit, R&B RM<>/day, surgical as charged, renewal guaranteed but premium rates not guaranteed, coverage starts 30 days after effective date, pre-existing excluded. Brochure confirms current tier MHSE 200 (R&B RM200/day, no day limit), deductible options RM500/1,000/5,000/10,000, annual limit RM3,000,000, no lifetime limit, pre-hosp 120 days, post-hosp 210 days (365 days for 5 critical illnesses), NCD up to 40% on insurance charges, entry ages 1-70 with renewal-only rates to attained age 98 next birthday (charge table). COVERAGE GAP: MHSE 300 and MHSE 1000 tiers discontinued effective 15 Apr 2026 (official site announcement); only MHSE 200 currently offered. PDS is a template with unfilled placeholders so deductible/coinsurance per-tier figures not disclosed in PDS itself.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "hla-medishield-iii", "tier_name": "Plan 200", "annual_limit_rm": 2500000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 2500, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "Deductible RM2,500 pre-retirement / RM2,500 post-retirement (per PDS comparison table); benefits payable on pay-first-claim-later basis, cashless only upon issuance of Guarantee Letter", "icu_benefit": "not disclosed", "day_surgery": "not disclosed", "outpatient": "not disclosed", "pre_post_hospital_days": "not disclosed", "cancer_rider": "yes", "entry_age_max": 65, "sub_limits": "Annual limit RM2,500,000 inclusive of optional benefits; R&B RM200/day; Hospital Income daily cash for hospitalisation due to road accidents on Malaysian highways; Alternative Cancer Treatment Benefit reimbursement or monthly cash up to RM5,000/year; 15% no-claims incentive on insurance charges in first 18 months; 80% of unused R&B benefit back; auto-increment on R&B limit; Non Deductible Benefit exemption for certain treatments", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.hla.com.my/content/dam/hla/products/pds/hla-medishield-iii-rider/PDS_HLA%20MediShield%20III%20Rider_ENG.pdf", "exclusions": "Pre-existing conditions (had or had symptoms of before buying); specified illnesses within 120 days from Issue Date/Alteration Effective Date/Date of Birth/Reinstatement (e.g. hypertension, diabetes); psychotic, mental or nervous disorders; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official PDS (printed 06/11/2025, scanned; OCR-extracted) + official product page. PDS confirms: unit-deducting medical rider attached to investment-linked plans (units deducted from ILP account value into insurance risk fund), H&S coverage until age 80 subject to policy sustainability, R&B RM200/day, surgical as charged, annual limit RM2,500,000 inclusive of optional benefits, No Lifetime Limit, deductible RM2,500 pre-retirement / RM2,500 post-retirement, coverage starts 30 days from Issue Date except accidental injuries, specified illnesses 120 days, renewal guaranteed but premium rates not guaranteed, cashless only upon Guarantee Letter. Product page confirms: eligible age 13th week of gestation until birth, 30 days old - 65 years old; premium from RM1,300/year; coverage term up to 100 years old (base policy); 15% cashback on insurance charges when claim-free; 80% of unused R&B back; auto-increment R&B; Alternative Cancer Treatment Benefit up to RM5,000/year. COVERAGE GAP: PDS is a scanned sample (Code A8888888) with full benefit schedule only in Product Information Sheet via QR code; ICU/day surgery/outpatient/pre-post-hospitalisation figures not disclosed in PDS text. NOTE: HLA's standalone medical card alternative is HLA MedGlobal IV Plus; MediShield III is sold as an ILP rider.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-health-secure", "tier_name": "Plan 150 (Deductible RM500)", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/policy year; ICU up to 150 days/policy year; Daily Guardian Benefit RM75-RM250/day up to 150 days; TCM/chiropractic/homeopathy/acupuncture RM200-RM500/visit within 150 days post-hosp; emergency accidental outpatient RM1,500-RM5,000 per accident (max 30 days follow-up); outpatient dengue RM1,500-RM5,000/policy year; home nursing care RM3,000-RM10,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM75-RM250/day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/health-and-medical-protection/m-health-secure", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses (e.g. hypertension, diabetes mellitus, cardiovascular disease) within 120 days; diseases requiring quarantine by law; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-Health Secure product page + PDS + brochure (Schedule of Benefits): 5 plans (150/200/300/400/500) x 2 deductible options (RM500 or RM5,000 per policy year); OAL RM1,000,000-RM2,000,000; lifetime limit Unlimited; R&B RM150-RM500/day up to 150 days/policy year; ICU up to 150 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; entry age 30 days to 70 ANB; coverage to age 100 next birthday; renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; deductible waived for govt hospital or emergency treatment; PDS product options table compares plans (premiums not published in dataset)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-health-secure", "tier_name": "Plan 150 (Deductible RM5,000)", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/policy year; ICU up to 150 days/policy year; Daily Guardian Benefit RM75-RM250/day up to 150 days; TCM/chiropractic/homeopathy/acupuncture RM200-RM500/visit within 150 days post-hosp; emergency accidental outpatient RM1,500-RM5,000 per accident (max 30 days follow-up); outpatient dengue RM1,500-RM5,000/policy year; home nursing care RM3,000-RM10,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM75-RM250/day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/health-and-medical-protection/m-health-secure", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses (e.g. hypertension, diabetes mellitus, cardiovascular disease) within 120 days; diseases requiring quarantine by law; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-Health Secure product page + PDS + brochure (Schedule of Benefits): 5 plans (150/200/300/400/500) x 2 deductible options (RM500 or RM5,000 per policy year); OAL RM1,000,000-RM2,000,000; lifetime limit Unlimited; R&B RM150-RM500/day up to 150 days/policy year; ICU up to 150 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; entry age 30 days to 70 ANB; coverage to age 100 next birthday; renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; deductible waived for govt hospital or emergency treatment; PDS product options table compares plans (premiums not published in dataset)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-health-secure", "tier_name": "Plan 200 (Deductible RM500)", "annual_limit_rm": 1200000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/policy year; ICU up to 150 days/policy year; Daily Guardian Benefit RM75-RM250/day up to 150 days; TCM/chiropractic/homeopathy/acupuncture RM200-RM500/visit within 150 days post-hosp; emergency accidental outpatient RM1,500-RM5,000 per accident (max 30 days follow-up); outpatient dengue RM1,500-RM5,000/policy year; home nursing care RM3,000-RM10,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM75-RM250/day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/health-and-medical-protection/m-health-secure", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses (e.g. hypertension, diabetes mellitus, cardiovascular disease) within 120 days; diseases requiring quarantine by law; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-Health Secure product page + PDS + brochure (Schedule of Benefits): 5 plans (150/200/300/400/500) x 2 deductible options (RM500 or RM5,000 per policy year); OAL RM1,000,000-RM2,000,000; lifetime limit Unlimited; R&B RM150-RM500/day up to 150 days/policy year; ICU up to 150 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; entry age 30 days to 70 ANB; coverage to age 100 next birthday; renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; deductible waived for govt hospital or emergency treatment; PDS product options table compares plans (premiums not published in dataset)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-health-secure", "tier_name": "Plan 200 (Deductible RM5,000)", "annual_limit_rm": 1200000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/policy year; ICU up to 150 days/policy year; Daily Guardian Benefit RM75-RM250/day up to 150 days; TCM/chiropractic/homeopathy/acupuncture RM200-RM500/visit within 150 days post-hosp; emergency accidental outpatient RM1,500-RM5,000 per accident (max 30 days follow-up); outpatient dengue RM1,500-RM5,000/policy year; home nursing care RM3,000-RM10,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM75-RM250/day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/health-and-medical-protection/m-health-secure", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses (e.g. hypertension, diabetes mellitus, cardiovascular disease) within 120 days; diseases requiring quarantine by law; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-Health Secure product page + PDS + brochure (Schedule of Benefits): 5 plans (150/200/300/400/500) x 2 deductible options (RM500 or RM5,000 per policy year); OAL RM1,000,000-RM2,000,000; lifetime limit Unlimited; R&B RM150-RM500/day up to 150 days/policy year; ICU up to 150 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; entry age 30 days to 70 ANB; coverage to age 100 next birthday; renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; deductible waived for govt hospital or emergency treatment; PDS product options table compares plans (premiums not published in dataset)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-health-secure", "tier_name": "Plan 300 (Deductible RM500)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/policy year; ICU up to 150 days/policy year; Daily Guardian Benefit RM75-RM250/day up to 150 days; TCM/chiropractic/homeopathy/acupuncture RM200-RM500/visit within 150 days post-hosp; emergency accidental outpatient RM1,500-RM5,000 per accident (max 30 days follow-up); outpatient dengue RM1,500-RM5,000/policy year; home nursing care RM3,000-RM10,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM75-RM250/day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/health-and-medical-protection/m-health-secure", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses (e.g. hypertension, diabetes mellitus, cardiovascular disease) within 120 days; diseases requiring quarantine by law; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-Health Secure product page + PDS + brochure (Schedule of Benefits): 5 plans (150/200/300/400/500) x 2 deductible options (RM500 or RM5,000 per policy year); OAL RM1,000,000-RM2,000,000; lifetime limit Unlimited; R&B RM150-RM500/day up to 150 days/policy year; ICU up to 150 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; entry age 30 days to 70 ANB; coverage to age 100 next birthday; renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; deductible waived for govt hospital or emergency treatment; PDS product options table compares plans (premiums not published in dataset)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-health-secure", "tier_name": "Plan 300 (Deductible RM5,000)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/policy year; ICU up to 150 days/policy year; Daily Guardian Benefit RM75-RM250/day up to 150 days; TCM/chiropractic/homeopathy/acupuncture RM200-RM500/visit within 150 days post-hosp; emergency accidental outpatient RM1,500-RM5,000 per accident (max 30 days follow-up); outpatient dengue RM1,500-RM5,000/policy year; home nursing care RM3,000-RM10,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM75-RM250/day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/health-and-medical-protection/m-health-secure", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses (e.g. hypertension, diabetes mellitus, cardiovascular disease) within 120 days; diseases requiring quarantine by law; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-Health Secure product page + PDS + brochure (Schedule of Benefits): 5 plans (150/200/300/400/500) x 2 deductible options (RM500 or RM5,000 per policy year); OAL RM1,000,000-RM2,000,000; lifetime limit Unlimited; R&B RM150-RM500/day up to 150 days/policy year; ICU up to 150 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; entry age 30 days to 70 ANB; coverage to age 100 next birthday; renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; deductible waived for govt hospital or emergency treatment; PDS product options table compares plans (premiums not published in dataset)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-health-secure", "tier_name": "Plan 400 (Deductible RM500)", "annual_limit_rm": 1800000, "lifetime_limit": "unlimited", "room_board_rm": 400, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/policy year; ICU up to 150 days/policy year; Daily Guardian Benefit RM75-RM250/day up to 150 days; TCM/chiropractic/homeopathy/acupuncture RM200-RM500/visit within 150 days post-hosp; emergency accidental outpatient RM1,500-RM5,000 per accident (max 30 days follow-up); outpatient dengue RM1,500-RM5,000/policy year; home nursing care RM3,000-RM10,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM75-RM250/day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/health-and-medical-protection/m-health-secure", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses (e.g. hypertension, diabetes mellitus, cardiovascular disease) within 120 days; diseases requiring quarantine by law; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-Health Secure product page + PDS + brochure (Schedule of Benefits): 5 plans (150/200/300/400/500) x 2 deductible options (RM500 or RM5,000 per policy year); OAL RM1,000,000-RM2,000,000; lifetime limit Unlimited; R&B RM150-RM500/day up to 150 days/policy year; ICU up to 150 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; entry age 30 days to 70 ANB; coverage to age 100 next birthday; renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; deductible waived for govt hospital or emergency treatment; PDS product options table compares plans (premiums not published in dataset)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-health-secure", "tier_name": "Plan 400 (Deductible RM5,000)", "annual_limit_rm": 1800000, "lifetime_limit": "unlimited", "room_board_rm": 400, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/policy year; ICU up to 150 days/policy year; Daily Guardian Benefit RM75-RM250/day up to 150 days; TCM/chiropractic/homeopathy/acupuncture RM200-RM500/visit within 150 days post-hosp; emergency accidental outpatient RM1,500-RM5,000 per accident (max 30 days follow-up); outpatient dengue RM1,500-RM5,000/policy year; home nursing care RM3,000-RM10,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM75-RM250/day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/health-and-medical-protection/m-health-secure", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses (e.g. hypertension, diabetes mellitus, cardiovascular disease) within 120 days; diseases requiring quarantine by law; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-Health Secure product page + PDS + brochure (Schedule of Benefits): 5 plans (150/200/300/400/500) x 2 deductible options (RM500 or RM5,000 per policy year); OAL RM1,000,000-RM2,000,000; lifetime limit Unlimited; R&B RM150-RM500/day up to 150 days/policy year; ICU up to 150 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; entry age 30 days to 70 ANB; coverage to age 100 next birthday; renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; deductible waived for govt hospital or emergency treatment; PDS product options table compares plans (premiums not published in dataset)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-health-secure", "tier_name": "Plan 500 (Deductible RM500)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/policy year; ICU up to 150 days/policy year; Daily Guardian Benefit RM75-RM250/day up to 150 days; TCM/chiropractic/homeopathy/acupuncture RM200-RM500/visit within 150 days post-hosp; emergency accidental outpatient RM1,500-RM5,000 per accident (max 30 days follow-up); outpatient dengue RM1,500-RM5,000/policy year; home nursing care RM3,000-RM10,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM75-RM250/day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/health-and-medical-protection/m-health-secure", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses (e.g. hypertension, diabetes mellitus, cardiovascular disease) within 120 days; diseases requiring quarantine by law; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-Health Secure product page + PDS + brochure (Schedule of Benefits): 5 plans (150/200/300/400/500) x 2 deductible options (RM500 or RM5,000 per policy year); OAL RM1,000,000-RM2,000,000; lifetime limit Unlimited; R&B RM150-RM500/day up to 150 days/policy year; ICU up to 150 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; entry age 30 days to 70 ANB; coverage to age 100 next birthday; renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; deductible waived for govt hospital or emergency treatment; PDS product options table compares plans (premiums not published in dataset)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-health-secure", "tier_name": "Plan 500 (Deductible RM5,000)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/policy year; ICU up to 150 days/policy year; Daily Guardian Benefit RM75-RM250/day up to 150 days; TCM/chiropractic/homeopathy/acupuncture RM200-RM500/visit within 150 days post-hosp; emergency accidental outpatient RM1,500-RM5,000 per accident (max 30 days follow-up); outpatient dengue RM1,500-RM5,000/policy year; home nursing care RM3,000-RM10,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM75-RM250/day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/our-products/health-and-medical-protection/m-health-secure", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses (e.g. hypertension, diabetes mellitus, cardiovascular disease) within 120 days; diseases requiring quarantine by law; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-Health Secure product page + PDS + brochure (Schedule of Benefits): 5 plans (150/200/300/400/500) x 2 deductible options (RM500 or RM5,000 per policy year); OAL RM1,000,000-RM2,000,000; lifetime limit Unlimited; R&B RM150-RM500/day up to 150 days/policy year; ICU up to 150 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; entry age 30 days to 70 ANB; coverage to age 100 next birthday; renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; deductible waived for govt hospital or emergency treatment; PDS product options table compares plans (premiums not published in dataset)", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-medessential", "tier_name": "Plan 150 (Deductible RM0)", "annual_limit_rm": 150000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 0, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM0 per disability (applicable to items 3-17 and 21 of Schedule of Benefits); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/90", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/rider year; ICU up to 150 days/rider year; Daily Guardian Benefit RM75/RM100 per day up to 150 days; emergency accidental outpatient RM1,500/RM2,000 per accident (max 30 days follow-up); outpatient dengue RM1,500/RM2,000 per rider year; intraocular lens RM8,000/lifetime; home nursing care RM3,750/RM5,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM200/RM300 per day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/getattachment/customer-care/product-riders/M-MedEssential_EN-(1).pdf?lang=en-GB", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses within 120 days; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see supplementary contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-MedEssential PDS (unit deducting rider) + brochure Schedule of Benefits: 2 plans (150/200) x 2 deductible options (RM0 or RM300 per disability); OAL RM150,000/RM200,000; lifetime limit Unlimited; R&B RM150/RM200 per day up to 150 days/rider year; ICU up to 150 days; pre-hosp 90 days, post-hosp 90 days; outpatient cancer & kidney dialysis as charged; intraocular lens RM8,000/lifetime; home nursing RM3,750/RM5,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-medessential", "tier_name": "Plan 150 (Deductible RM300)", "annual_limit_rm": 150000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 300, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM300 per disability (applicable to items 3-17 and 21 of Schedule of Benefits); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/90", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/rider year; ICU up to 150 days/rider year; Daily Guardian Benefit RM75/RM100 per day up to 150 days; emergency accidental outpatient RM1,500/RM2,000 per accident (max 30 days follow-up); outpatient dengue RM1,500/RM2,000 per rider year; intraocular lens RM8,000/lifetime; home nursing care RM3,750/RM5,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM200/RM300 per day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/getattachment/customer-care/product-riders/M-MedEssential_EN-(1).pdf?lang=en-GB", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses within 120 days; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see supplementary contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-MedEssential PDS (unit deducting rider) + brochure Schedule of Benefits: 2 plans (150/200) x 2 deductible options (RM0 or RM300 per disability); OAL RM150,000/RM200,000; lifetime limit Unlimited; R&B RM150/RM200 per day up to 150 days/rider year; ICU up to 150 days; pre-hosp 90 days, post-hosp 90 days; outpatient cancer & kidney dialysis as charged; intraocular lens RM8,000/lifetime; home nursing RM3,750/RM5,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-medessential", "tier_name": "Plan 200 (Deductible RM0)", "annual_limit_rm": 200000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 0, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM0 per disability (applicable to items 3-17 and 21 of Schedule of Benefits); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/90", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/rider year; ICU up to 150 days/rider year; Daily Guardian Benefit RM75/RM100 per day up to 150 days; emergency accidental outpatient RM1,500/RM2,000 per accident (max 30 days follow-up); outpatient dengue RM1,500/RM2,000 per rider year; intraocular lens RM8,000/lifetime; home nursing care RM3,750/RM5,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM200/RM300 per day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/getattachment/customer-care/product-riders/M-MedEssential_EN-(1).pdf?lang=en-GB", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses within 120 days; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see supplementary contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-MedEssential PDS (unit deducting rider) + brochure Schedule of Benefits: 2 plans (150/200) x 2 deductible options (RM0 or RM300 per disability); OAL RM150,000/RM200,000; lifetime limit Unlimited; R&B RM150/RM200 per day up to 150 days/rider year; ICU up to 150 days; pre-hosp 90 days, post-hosp 90 days; outpatient cancer & kidney dialysis as charged; intraocular lens RM8,000/lifetime; home nursing RM3,750/RM5,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-medessential", "tier_name": "Plan 200 (Deductible RM300)", "annual_limit_rm": 200000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 300, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM300 per disability (applicable to items 3-17 and 21 of Schedule of Benefits); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/90", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B up to 150 days/rider year; ICU up to 150 days/rider year; Daily Guardian Benefit RM75/RM100 per day up to 150 days; emergency accidental outpatient RM1,500/RM2,000 per accident (max 30 days follow-up); outpatient dengue RM1,500/RM2,000 per rider year; intraocular lens RM8,000/lifetime; home nursing care RM3,750/RM5,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM200/RM300 per day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/getattachment/customer-care/product-riders/M-MedEssential_EN-(1).pdf?lang=en-GB", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses within 120 days; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see supplementary contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-MedEssential PDS (unit deducting rider) + brochure Schedule of Benefits: 2 plans (150/200) x 2 deductible options (RM0 or RM300 per disability); OAL RM150,000/RM200,000; lifetime limit Unlimited; R&B RM150/RM200 per day up to 150 days/rider year; ICU up to 150 days; pre-hosp 90 days, post-hosp 90 days; outpatient cancer & kidney dialysis as charged; intraocular lens RM8,000/lifetime; home nursing RM3,750/RM5,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-medpro", "tier_name": "Plan 300 (Deductible RM0)", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 0, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM0 per disability (applicable to items 3-17 and 23-25 of Schedule of Benefits); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B no day limit per rider year; ICU up to 200 days/rider year; Daily Guardian Benefit RM150/RM200/RM250 per day no day limit; emergency accidental outpatient RM3,000/RM4,000/RM5,000 per accident (max 30 days follow-up); emergency accidental outpatient dental RM3,000-RM5,000 per accident; outpatient dengue RM3,000/RM4,000/RM5,000 per rider year; TCM/chiropractic/homeopathy/acupuncture RM200/RM250/RM300 per visit within 150 days post-hosp; intraocular lens RM8,000/lifetime; medical appliances (pacemaker, external fixator, ICD, artificial limbs) RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing care RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM600/RM800/RM1,000 per day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/getattachment/customer-care/product-riders/M-MedPro_EN-(1).pdf?lang=en-GB", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses within 120 days; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see supplementary contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-MedPro PDS (unit deducting rider) + brochure Schedule of Benefits: 3 plans (300/400/500) x 2 deductible options (RM0 or RM300 per disability); OAL RM1,000,000/RM1,500,000/RM2,000,000; lifetime limit Unlimited; R&B RM300/RM400/RM500 per day with NO limit on number of days per rider year; ICU up to 200 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; medical appliances RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-medpro", "tier_name": "Plan 300 (Deductible RM300)", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 300, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM300 per disability (applicable to items 3-17 and 23-25 of Schedule of Benefits); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B no day limit per rider year; ICU up to 200 days/rider year; Daily Guardian Benefit RM150/RM200/RM250 per day no day limit; emergency accidental outpatient RM3,000/RM4,000/RM5,000 per accident (max 30 days follow-up); emergency accidental outpatient dental RM3,000-RM5,000 per accident; outpatient dengue RM3,000/RM4,000/RM5,000 per rider year; TCM/chiropractic/homeopathy/acupuncture RM200/RM250/RM300 per visit within 150 days post-hosp; intraocular lens RM8,000/lifetime; medical appliances (pacemaker, external fixator, ICD, artificial limbs) RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing care RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM600/RM800/RM1,000 per day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/getattachment/customer-care/product-riders/M-MedPro_EN-(1).pdf?lang=en-GB", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses within 120 days; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see supplementary contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-MedPro PDS (unit deducting rider) + brochure Schedule of Benefits: 3 plans (300/400/500) x 2 deductible options (RM0 or RM300 per disability); OAL RM1,000,000/RM1,500,000/RM2,000,000; lifetime limit Unlimited; R&B RM300/RM400/RM500 per day with NO limit on number of days per rider year; ICU up to 200 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; medical appliances RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-medpro", "tier_name": "Plan 400 (Deductible RM0)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 400, "deductible_rm": 0, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM0 per disability (applicable to items 3-17 and 23-25 of Schedule of Benefits); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B no day limit per rider year; ICU up to 200 days/rider year; Daily Guardian Benefit RM150/RM200/RM250 per day no day limit; emergency accidental outpatient RM3,000/RM4,000/RM5,000 per accident (max 30 days follow-up); emergency accidental outpatient dental RM3,000-RM5,000 per accident; outpatient dengue RM3,000/RM4,000/RM5,000 per rider year; TCM/chiropractic/homeopathy/acupuncture RM200/RM250/RM300 per visit within 150 days post-hosp; intraocular lens RM8,000/lifetime; medical appliances (pacemaker, external fixator, ICD, artificial limbs) RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing care RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM600/RM800/RM1,000 per day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/getattachment/customer-care/product-riders/M-MedPro_EN-(1).pdf?lang=en-GB", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses within 120 days; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see supplementary contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-MedPro PDS (unit deducting rider) + brochure Schedule of Benefits: 3 plans (300/400/500) x 2 deductible options (RM0 or RM300 per disability); OAL RM1,000,000/RM1,500,000/RM2,000,000; lifetime limit Unlimited; R&B RM300/RM400/RM500 per day with NO limit on number of days per rider year; ICU up to 200 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; medical appliances RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-medpro", "tier_name": "Plan 400 (Deductible RM300)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 400, "deductible_rm": 300, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM300 per disability (applicable to items 3-17 and 23-25 of Schedule of Benefits); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B no day limit per rider year; ICU up to 200 days/rider year; Daily Guardian Benefit RM150/RM200/RM250 per day no day limit; emergency accidental outpatient RM3,000/RM4,000/RM5,000 per accident (max 30 days follow-up); emergency accidental outpatient dental RM3,000-RM5,000 per accident; outpatient dengue RM3,000/RM4,000/RM5,000 per rider year; TCM/chiropractic/homeopathy/acupuncture RM200/RM250/RM300 per visit within 150 days post-hosp; intraocular lens RM8,000/lifetime; medical appliances (pacemaker, external fixator, ICD, artificial limbs) RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing care RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM600/RM800/RM1,000 per day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/getattachment/customer-care/product-riders/M-MedPro_EN-(1).pdf?lang=en-GB", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses within 120 days; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see supplementary contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-MedPro PDS (unit deducting rider) + brochure Schedule of Benefits: 3 plans (300/400/500) x 2 deductible options (RM0 or RM300 per disability); OAL RM1,000,000/RM1,500,000/RM2,000,000; lifetime limit Unlimited; R&B RM300/RM400/RM500 per day with NO limit on number of days per rider year; ICU up to 200 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; medical appliances RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-medpro", "tier_name": "Plan 500 (Deductible RM0)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": 0, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM0 per disability (applicable to items 3-17 and 23-25 of Schedule of Benefits); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B no day limit per rider year; ICU up to 200 days/rider year; Daily Guardian Benefit RM150/RM200/RM250 per day no day limit; emergency accidental outpatient RM3,000/RM4,000/RM5,000 per accident (max 30 days follow-up); emergency accidental outpatient dental RM3,000-RM5,000 per accident; outpatient dengue RM3,000/RM4,000/RM5,000 per rider year; TCM/chiropractic/homeopathy/acupuncture RM200/RM250/RM300 per visit within 150 days post-hosp; intraocular lens RM8,000/lifetime; medical appliances (pacemaker, external fixator, ICD, artificial limbs) RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing care RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM600/RM800/RM1,000 per day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/getattachment/customer-care/product-riders/M-MedPro_EN-(1).pdf?lang=en-GB", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses within 120 days; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see supplementary contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-MedPro PDS (unit deducting rider) + brochure Schedule of Benefits: 3 plans (300/400/500) x 2 deductible options (RM0 or RM300 per disability); OAL RM1,000,000/RM1,500,000/RM2,000,000; lifetime limit Unlimited; R&B RM300/RM400/RM500 per day with NO limit on number of days per rider year; ICU up to 200 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; medical appliances RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "m-medpro", "tier_name": "Plan 500 (Deductible RM300)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": 300, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM300 per disability (applicable to items 3-17 and 23-25 of Schedule of Benefits); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B no day limit per rider year; ICU up to 200 days/rider year; Daily Guardian Benefit RM150/RM200/RM250 per day no day limit; emergency accidental outpatient RM3,000/RM4,000/RM5,000 per accident (max 30 days follow-up); emergency accidental outpatient dental RM3,000-RM5,000 per accident; outpatient dengue RM3,000/RM4,000/RM5,000 per rider year; TCM/chiropractic/homeopathy/acupuncture RM200/RM250/RM300 per visit within 150 days post-hosp; intraocular lens RM8,000/lifetime; medical appliances (pacemaker, external fixator, ICD, artificial limbs) RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing care RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; daily cash at govt hospital RM600/RM800/RM1,000 per day up to 150 days; hospital admission fee & medical report up to RM100/admission; organ transplant once per lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.mcis.my/getattachment/customer-care/product-riders/M-MedPro_EN-(1).pdf?lang=en-GB", "exclusions": "Pre-existing conditions; any disability (except injury) with signs/symptoms within 30 days of effective date; specified illnesses within 120 days; pregnancy/childbirth; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; non-exhaustive (see supplementary contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official M-MedPro PDS (unit deducting rider) + brochure Schedule of Benefits: 3 plans (300/400/500) x 2 deductible options (RM0 or RM300 per disability); OAL RM1,000,000/RM1,500,000/RM2,000,000; lifetime limit Unlimited; R&B RM300/RM400/RM500 per day with NO limit on number of days per rider year; ICU up to 200 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; medical appliances RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing RM15,000-RM25,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "allianz-health-insured", "tier_name": "Allianz HealthInsured", "annual_limit_rm": 5000000, "lifetime_limit": "unlimited", "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "flexible deductible options", "icu_benefit": "not disclosed", "day_surgery": "not disclosed", "outpatient": "cancer outpatient treatment covered", "pre_post_hospital_days": "not disclosed", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "not disclosed", "ilp_rider_erodes_account": "not disclosed", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.allianz.com.my/personal/life-health-and-savings/medical-and-hospitalisation/healthinsured.html", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "source_detail": "HealthInsured product page (fetched 25 Aug 2026): comprehensive medical reimbursement plan (Allianz Life) with annual limit up to RM5 million and no overall lifetime limit; full COVID-19 coverage (Categories 3/4/5); Allianz Care@Home; cancer coverage incl. genomic testing and extended outpatient cancer treatment; flexible deductible options with Retirement Option at age 60; medical card with cashless admission; International Second Medical Opinion; preborn child coverage from 13 to 36 weeks; page does not state entry ages, renewal terms, or channel.", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": "yes", "per_disability_vs_lifetime": "not disclosed" }, { "product": "prubsn-asas360", "tier_name": "PruBSN Asas360", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "43 Critical Illnesses (adults); coverage continues to age 100", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-asas360.html", "exclusions": "not disclosed", "entry_age_min": "13 gestational weeks (child); 19 (adult)", "renew_age_max": "Up to age 100 (auto-extension)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "ILP family takaful. Entry age: pre-natal/child 13 gestational weeks to 18; adult 19-70 ANB. Death benefit before term expiry; TPD before certificate anniversary age 70 NB. Optional benefits across medical, CI, accident, investment, charity. Health360 rider: hospitalisation + outpatient without annual/lifetime limits. Cash bonuses over time. Coverage to 100 with auto-extension. Free-look 15 days. PIDM protected.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "prubsn-damai", "tier_name": "PruBSN Damai", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Critical illness add-on benefits available", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-damai.html", "exclusions": "not disclosed", "entry_age_min": "1", "renew_age_max": "Auto extension up to age 100", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Health protection package: PruBSN AnugerahMax regular contribution family takaful + Medic TotalCare + riders. Entry age 1-70 (10yr term or to 70: max entry 60). Lump sum on death or TPD before age 70 NB: higher of Basic Sum Covered or ISA. Waiver of regular protection contributions for remaining benefit term. Extension to 100 with sufficient cash value.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "prubsn-lindungi", "tier_name": "PruBSN Lindungi", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "Sample RM500,000 BSC (30yo male illustration)", "ci_rider": "no", "ci_conditions": "not applicable", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/lindungi.html", "exclusions": "not disclosed", "entry_age_min": "19", "renew_age_max": "Coverage to expiry age 75", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Family takaful term plan providing death and TPD coverage. TPD accelerates the death benefit. Female aged 19-42 ANB: coverage includes RM20,000 sum covered. Sample 30yo male: RM500,000 BSC. Contributions payable from EPF (i-Lindung). Regular contribution term.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "prubsn-lindung-famili", "tier_name": "PruBSN Lindung Famili", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "Sample SC RM200,000 (30yo healthy male)", "ci_rider": "no", "ci_conditions": "not applicable", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-lindung-famili.html", "exclusions": "not disclosed", "entry_age_min": "1", "renew_age_max": "Death coverage to expiry age 75", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Family takaful term: 100% of sum covered on death or TPD, additional Accidental Death Benefit during coverage or to expiry. Death coverage up to expiry age 75. Sample illustration: 30yo male RM200,000 SC. Regular contributions.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "prubsn-sinar", "tier_name": "PruBSN Sinar", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Comprehensive CI coverage and income replacement", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-sinar.html", "exclusions": "not disclosed", "entry_age_min": "1", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Regular contribution family takaful. Entry 1-70 ANB; for 20-year term max entry 50. Death/TPD lump sum; comprehensive CI coverage with income replacement; EduAchievement rider for child education (entry 1-18). Surplus sharing.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "prubsn-anggun", "tier_name": "PruBSN Anggun Protection", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Female-specific CI (breast, cervical, ovarian cancer); pregnancy complications; fertility support (Mom Care rider)", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-anggun-protection.html", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "First female protection plan with fertility treatment coverage. Female health, mental wellbeing and fertility support. Life Stage Benefits from marriage/study to growing family. Mom Care rider: pregnancy complications, congenital conditions, fertility support. From RM50/month. ILP with investment benefits.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "prubsn-anugerahmax", "tier_name": "PruBSN AnugerahMax", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Critical illness and hospitalisation add-ons available", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-anugerahmax.html", "exclusions": "not disclosed", "entry_age_min": "1", "renew_age_max": "Auto extension up to age 100", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Regular contribution family takaful, lump sum on death or TPD before certificate anniversary age 70 NB: higher of BSC or ISA. Entry 1-70 (10yr or to 70: max 60; 20yr term: max 50). Death and CI riders; accidental protection. Auto extension to 100 with sufficient cash value.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "prubsn-aspirasi", "tier_name": "PruBSN Aspirasi", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Accidental death benefit + compassionate benefit (not CI)", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-aspirasi.html", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Savings plan with customised protection, potential annual cash payouts that can be reinvested, money-back at end of benefit term. Death/TPD plus additional accidental benefit and compassionate benefit. No medical checkup required. Combines protection and savings (Takafulink funds). 15-day free look.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "prubsn-itekad-protection", "tier_name": "PruBSN iTekad Protection", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM10,000 (non-accidental death)", "ci_rider": "no", "ci_conditions": "not applicable", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-itekad-protection.html", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage during coverage term", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "One-time takaful contribution RM10. Non-accidental death benefit RM10,000 plus accidental death cover. Micro-takaful social protection initiative. Coverage term per certificate.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "prubsn-kritikal-care360", "tier_name": "PruBSN Kritikal Care360", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Major CI (43 conditions): Early 50%, Late Stage 100% of BSC + Protection Booster", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-kritikal-care60.html", "exclusions": "not disclosed", "entry_age_min": "1 (juvenile)", "renew_age_max": "Expiry age 70 or 80 (or 20-year term)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Regular contribution family takaful on Major CI. Early CI 50% of BSC + booster; Late Stage 100% less any paid. Terminal Illness and Death benefit. Living Reward = (Expiry Age - Entry Age - 20)% of BSC; Wellness Reward at maturity. Coverage/entry: expiry 70 (juvenile 1-18, adults 19-49); expiry 80 (1-18 / 19-59); 20yr term (1-18 / 19-60). Any age ANB.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "prubsn-warisangold", "tier_name": "PruBSN WarisanGold", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "Basic Sum Covered up to RM4 million (age-dependent)", "ci_rider": "yes", "ci_conditions": "Critical illness add-on for recovery journey", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.prubsn.com.my/en/products/family-takaful/prubsn-warisangold.html", "exclusions": "not disclosed", "entry_age_min": "14 days", "renew_age_max": "Coverage term 20 years or to age 70/80/90/100", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Wealth and legacy takaful. Entry 14 days to 70. BSC up to RM4m depending on entry age, without medical checkup. Death + TPD coverage. Payout every 10 certificate years until end of term. Maturity value as illustrated. Charges up to 100 or max benefit term. Option to continue contributions to maturity.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-takaful-essential-i", "tier_name": "Sun eSsential-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "Up to RM500,000", "ci_rider": "not disclosed", "ci_conditions": "no", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-essential-i/", "exclusions": "not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage to age 80", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Yearly renewable term takaful with surplus sharing. Death/TPD: lump sum up to RM500,000; 2x basic sum covered on death/TPD due to specified infectious diseases (dengue, chikungunya, malaria, Japanese encephalitis, avian influenza, Zika). 6 plan types. No medical check-up, simple health declaration. PIDM protected.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-takaful-apex", "tier_name": "Sun Apex-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "From RM1,000,000 up to RM5,000,000 (non-medical limit)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-apex-i/", "exclusions": "not disclosed", "entry_age_min": "18 (non-medical limit to 50)", "renew_age_max": "Up to age 99", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Universal takaful for legacy planning and business financing. Simple enrolment, non-medical limit up to RM5M (age 18-50). Contribution payment term 3/6/10 years; contract term to age 80 or 99. Death/TPD: higher of basic sum covered or universal account value, less indebtedness. Takaful hibah nomination.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-takaful-cover", "tier_name": "Sun Cover-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM60,000 (death/TPD)", "ci_rider": "not disclosed", "ci_conditions": "no", "waiver_rider": "no", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-cover-i/", "exclusions": "No exclusions; no waiting period", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Monthly renewable group term takaful (PAYG basis). Death/TPD lump sum RM60,000 less indebtedness. Aggregate TPD limit RM2,000,000 across Sun Life contracts. Easy enrolment, 1 underwriting question, no exclusions, no waiting period.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-takaful-enrich-extra", "tier_name": "Sun Enrich Extra-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-enrich-extra-i/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Limited pay universal takaful. Plan options: 5 pay/15 term, 5 pay/18 term, 10 pay/20 term, 20 pay/30 term. Easy enrolment, no underwriting for local applicants. Death/TPD within 24 months: 100% of total takaful contribution paid less cash payments; accidental causes higher.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-takaful-heritage-plus", "tier_name": "Sun Heritage Plus-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "Up to RM5,000,000", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-heritage-plus-i/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Extension of takaful coverage to age 99", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Investment-linked takaful. Death/TPD: higher of basic sum covered or total account value; additional up to 300% of basic sum on accidental death/TPD. Funeral benefit RM5,000 payable in advance. Loyalty Booster up to 12% of current BSC at end of 20th contract year or age 70, every 10 years. Coverage extended to age 99 without underwriting.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sunlife-takaful-inspirasi", "tier_name": "Sun Inspirasi", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "From RM250,000", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-inspirasi/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Takaful with hibah nomination - beneficiary receives sum covered, not subject to Faraid distribution. Coverage from RM250,000 on death/TPD; higher of basic sum covered or universal value less indebtedness. Up to 3x payout on accidental death scenarios.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sun-life-takaful-istismar-extra", "tier_name": "Sun Istismar Extra", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-istismar-extra/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Extension of coverage to age 99 (terms to 70/80/30yr)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Investment-linked takaful. Full basic + top-up contribution allocated into IL funds. Extension of takaful coverage to age 99 for contract terms up to 70, 80 and 30-year fixed. Protection booster: BSC boosted 5% every 5 contract years up to 20% of BSC. No underwriting required.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sun-life-takaful-legacy-shield", "tier_name": "Sun Legacy Shield", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-legacy-shield/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Extension of takaful coverage to age 99 (term to 70/80)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Investment-linked takaful for legacy building. Contribution term 10 or 20 years; contract term to age 70, 80 or 90. Full contribution allocation into IL funds. Protection booster as loyalty reward. No underwriting for extension to age 99.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sun-life-takaful-prime-link", "tier_name": "Sun Prime Link-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-prime-link-i/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Investment-linked takaful. Death and TPD coverage; optional riders for medical, critical illness, accident, disability. Contributions from RM100/month, variable coverage, scheduled/single top-ups and withdrawals. Wide choice of professionally managed IL funds.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sun-life-takaful-save-invest", "tier_name": "Sun Save Invest Takaful", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "Up to 125% of total contribution paid", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-save-invest-takaful/", "exclusions": "Not disclosed", "entry_age_min": "up to 85", "renew_age_max": "Coverage to age 99", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Structured savings takaful. Death/TPD: higher of sum covered (up to 125% of total contribution paid) or Investment Account value. Entry age up to 85, coverage to 99 with only 3 years of contribution. Loyalty reward: 8% of annualised contribution every 8 contract years. Guaranteed acceptance up to RM1,500,000 annualised contribution.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sun-life-takaful-secure-treasure", "tier_name": "Sun Secure Treasure-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-secure-treasure-i/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Savings takaful: contribution 6/10/20 years; coverage 20/25/30 years. Death/TPD benefit plus additional 100% of total takaful contribution on accidental death/TPD. Increasing cash payout from universal account reinvested into IL funds. Maturity benefit at term end. Hassle-free enrolment.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sun-life-takaful-ultimate-coverage", "tier_name": "Sun Ultimate Coverage-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-ultimate-coverage-i/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "TPD benefit ceases at 65th birthday (annual)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Surplus sharing term takaful. Death/TPD: 100% sum from participants tabarru fund; +50% accidental; +3% disability allowance. TPD/accidental/disability cease after 65th birthday.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sun-life-takaful-wealth-protect", "tier_name": "Sun Wealth Protect-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "36 covered critical illnesses", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sun-wealth-protect-i/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "6-in-1 term takaful: death/TPD, critical illness (36 conditions), savings/investment goals, legacy nomination, affordable from RM1.40/day, 4-question enrolment. Income tax relief may apply.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sun-life-takaful-suninvest", "tier_name": "Suninvest-i", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "Minimum single contribution RM5,000; BSC booster to 50%", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/suninvest-i/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage to age 99", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Investment-linked takaful, single contribution from RM5,000. Death/TPD: higher of BSC+booster (plus 95% top-up minus 100% withdrawals) or investment account. Sum booster +10% every 5 contract years to +50%.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sun-life-takaful-mulia", "tier_name": "Takaful Mulia", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/takaful-mulia/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Universal takaful with waqf. Death/TPD: 100% sum + UA after 2.5% zakat. 2x for accidental death at mosque/surau or during Hajj/Umrah. Waqf: 3% contribution to YWM; +10% of sum on death/TPD.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sun-life-takaful-suria-plus", "tier_name": "Takaful Suria Plus", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family/sunia-suria-plus/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Universal family takaful: 1x sum + UA on death/TPD; 2x during Hajj/Umrah; 3x on MERS death during/30 days after Hajj; RM1,500 special payout at 3rd contract year to set up Tabung Haji savings.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sun-life-takaful-sinar-kasih", "tier_name": "Sinar Kasih", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sinar-kasih/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "TPD ceases at 65th birthday", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Surplus sharing term takaful. Death/TPD: 100% sum from tabarru fund; +50% accidental; +3% disability allowance. TPD/accidental/disability cease after 65th birthday.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "sun-life-takaful-sinar-wasilah", "tier_name": "Sinar Wasilah", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "investment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.sunlife.com.my/insurance-and-takaful/family-takaful/sinar-wasilah/", "exclusions": "Not disclosed", "entry_age_min": "not disclosed", "renew_age_max": "Coverage to age 99", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Investment takaful with 3-year contribution to coverage 99. Death/TPD: higher of sum or IA1+IA2 (subject to juvenile lien). Accidental: 100% total contribution, 200% overseas. Peaceful giving benefit.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "etiqa-imedicalcard-elite", "tier_name": "Plan 1", "annual_limit_rm": 200000, "lifetime_limit": "unlimited", "room_board_rm": 350, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 55, "sub_limits": "ICU as charged (no day limit); surgical/anaesthetist/theatre/hospital supplies as charged; medical report RM150 per hospitalisation; outpatient dengue up to RM2,000 per certificate year; daily cash allowance RM200/day at govt hospitals; deductible options RM500 or RM1,000 per certificate year (benefits 3-17)", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); cosmetic/plastic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, war/terrorism, criminal acts", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/etiqa-imedicalcard-elite-pds.txt + flyer + cert", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "etiqa-imedicalcard-elite", "tier_name": "Plan 2", "annual_limit_rm": 250000, "lifetime_limit": "unlimited", "room_board_rm": 400, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 55, "sub_limits": "ICU as charged (no day limit); surgical/anaesthetist/theatre/hospital supplies as charged; medical report RM150 per hospitalisation; outpatient dengue up to RM2,000 per certificate year; daily cash allowance RM200/day at govt hospitals; deductible options RM500 or RM1,000 per certificate year (benefits 3-17)", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); cosmetic/plastic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, war/terrorism, criminal acts", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/etiqa-imedicalcard-elite-pds.txt + flyer + cert", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "etiqa-medic-edge", "tier_name": "n/a", "annual_limit_rm": null, "lifetime_limit": "unlimited", "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "not disclosed", "day_surgery": "not disclosed", "outpatient": "not disclosed", "pre_post_hospital_days": "not disclosed", "cancer_rider": "not disclosed", "entry_age_max": null, "sub_limits": "not disclosed", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; conditions within first 30 days (except accidents); criminal/illegal acts, strike, riot, terrorism, civil commotion", "entry_age_min": "not disclosed", "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/etiqa-medic-edge-pds.txt (PDS template with placeholder amounts; no tier table in file) PDS is a template with placeholder amounts; no tier matrix published — tier_name set to n/a.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "etiqa-onemedical", "tier_name": "Plan 1", "annual_limit_rm": 60000, "lifetime_limit": "unlimited", "room_board_rm": 120, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 55, "sub_limits": "ICU as charged; communicable disease cash benefit RM2,200 (max 3 claims, 1 per certificate year); optional deductible RM1,000 per hospitalisation (inpatient & day care surgery benefits only); pre-hospital 60 days; post-hospital 90 days", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); criminal/illegal acts, strike, riot, terrorism, civil commotion", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/etiqa-onemedical-pds.txt + flyer", "guaranteed_renewable": "no", "channel": "not disclosed", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "etiqa-onemedical", "tier_name": "Plan 2", "annual_limit_rm": 120000, "lifetime_limit": "unlimited", "room_board_rm": 220, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 55, "sub_limits": "ICU as charged; communicable disease cash benefit RM2,200 (max 3 claims, 1 per certificate year); optional deductible RM1,000 per hospitalisation (inpatient & day care surgery benefits only); pre-hospital 60 days; post-hospital 90 days", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); criminal/illegal acts, strike, riot, terrorism, civil commotion", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/etiqa-onemedical-pds.txt + flyer", "guaranteed_renewable": "no", "channel": "not disclosed", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "etiqa-onemedical", "tier_name": "Plan 3", "annual_limit_rm": 160000, "lifetime_limit": "unlimited", "room_board_rm": 320, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 55, "sub_limits": "ICU as charged; communicable disease cash benefit RM2,200 (max 3 claims, 1 per certificate year); optional deductible RM1,000 per hospitalisation (inpatient & day care surgery benefits only); pre-hospital 60 days; post-hospital 90 days", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); criminal/illegal acts, strike, riot, terrorism, civil commotion", "entry_age_min": 17, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/etiqa-onemedical-pds.txt + flyer", "guaranteed_renewable": "no", "channel": "not disclosed", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "etiqa-takafulink-medical-plus", "tier_name": "Plan 1", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 65, "sub_limits": "ICU as charged; daily guardian benefit RM150/day (120 days/yr); daily cash allowance RM200/day at govt hospitals; medical report RM100; physiotherapy RM1,000/yr; home nursing RM100/day (60 days/yr); emergency outpatient sickness RM100; alternative medicine RM200/yr; organ transplant once per certificate; deductible options none/RM2,000/RM10,000/RM20,000/RM40,000 per annum", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); criminal/illegal acts, strike, riot, terrorism, civil commotion", "entry_age_min": "not disclosed", "renew_age_max": 88, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/etiqa-takafulink-medical-plus-pds.txt + flyer", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "etiqa-takafulink-medical-plus", "tier_name": "Plan 2", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 65, "sub_limits": "ICU as charged; daily guardian benefit RM150/day (120 days/yr); daily cash allowance RM200/day at govt hospitals; medical report RM100; physiotherapy RM1,000/yr; home nursing RM100/day (60 days/yr); emergency outpatient sickness RM100; alternative medicine RM200/yr; organ transplant once per certificate; deductible options none/RM2,000/RM10,000/RM20,000/RM40,000 per annum", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); criminal/illegal acts, strike, riot, terrorism, civil commotion", "entry_age_min": "not disclosed", "renew_age_max": 88, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/etiqa-takafulink-medical-plus-pds.txt + flyer", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "etiqa-takafulink-medical-plus", "tier_name": "Plan 3", "annual_limit_rm": 1800000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 65, "sub_limits": "ICU as charged; daily guardian benefit RM150/day (120 days/yr); daily cash allowance RM200/day at govt hospitals; medical report RM100; physiotherapy RM1,000/yr; home nursing RM100/day (60 days/yr); emergency outpatient sickness RM100; alternative medicine RM200/yr; organ transplant once per certificate; deductible options none/RM2,000/RM10,000/RM20,000/RM40,000 per annum", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); criminal/illegal acts, strike, riot, terrorism, civil commotion", "entry_age_min": "not disclosed", "renew_age_max": 88, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/etiqa-takafulink-medical-plus-pds.txt + flyer", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "etiqa-takafulink-medical-plus", "tier_name": "Plan 4", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 400, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 65, "sub_limits": "ICU as charged; daily guardian benefit RM150/day (120 days/yr); daily cash allowance RM200/day at govt hospitals; medical report RM100; physiotherapy RM1,000/yr; home nursing RM100/day (60 days/yr); emergency outpatient sickness RM100; alternative medicine RM200/yr; organ transplant once per certificate; deductible options none/RM2,000/RM10,000/RM20,000/RM40,000 per annum", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); criminal/illegal acts, strike, riot, terrorism, civil commotion", "entry_age_min": "not disclosed", "renew_age_max": 88, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/etiqa-takafulink-medical-plus-pds.txt + flyer", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "etiqa-takafulink-medical-plus", "tier_name": "Plan 5", "annual_limit_rm": 2300000, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 65, "sub_limits": "ICU as charged; daily guardian benefit RM150/day (120 days/yr); daily cash allowance RM200/day at govt hospitals; medical report RM100; physiotherapy RM1,000/yr; home nursing RM100/day (60 days/yr); emergency outpatient sickness RM100; alternative medicine RM200/yr; organ transplant once per certificate; deductible options none/RM2,000/RM10,000/RM20,000/RM40,000 per annum", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.etiqa.com.my", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes) within first 120 days; conditions within first 30 days (except accidents); criminal/illegal acts, strike, riot, terrorism, civil commotion", "entry_age_min": "not disclosed", "renew_age_max": 88, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/etiqa-takafulink-medical-plus-pds.txt + flyer", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "sunlife-prime-medi-care-max-i", "tier_name": "Plan 200", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "no", "entry_age_max": null, "sub_limits": "R&B max 180 days/contract year; ICU as charged (max 150 days/yr); refund of unutilised R&B (max 30 days/yr); maternity complications RM10,000 lifetime; intraocular lenses RM10,000/15,000 lifetime; genomic testing RM10,000/15,000 lifetime; home nursing RM4,000/8,000 per disability; palliative care RM15,000/18,000 lifetime; deductible options RM500/RM10,000/RM30,000 per contract year", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/family-takaful/sun-prime-link-i/", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; conditions within first 30 days (except accidents); cosmetic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, quarantine-required diseases, war/terrorism", "entry_age_min": "not disclosed", "renew_age_max": 70, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/sunlife-prime-medi-care-max-i-pds.txt + leaflet", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "sunlife-prime-medi-care-max-i", "tier_name": "Plan 300", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/150", "cancer_rider": "no", "entry_age_max": null, "sub_limits": "R&B max 180 days/contract year; ICU as charged (max 150 days/yr); refund of unutilised R&B (max 30 days/yr); maternity complications RM10,000 lifetime; intraocular lenses RM10,000/15,000 lifetime; genomic testing RM10,000/15,000 lifetime; home nursing RM4,000/8,000 per disability; palliative care RM15,000/18,000 lifetime; deductible options RM500/RM10,000/RM30,000 per contract year", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/family-takaful/sun-prime-link-i/", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; conditions within first 30 days (except accidents); cosmetic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, quarantine-required diseases, war/terrorism", "entry_age_min": "not disclosed", "renew_age_max": 70, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/sunlife-prime-medi-care-max-i-pds.txt + leaflet", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "sunlife-sun-medimax-i", "tier_name": "Plan 20K", "annual_limit_rm": 300000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 20000, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/60", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "R&B max 180 days/deductible year; ICU as charged (max 60 days/yr); medical report RM100; home nursing RM500-2,000 per disability; daily guardian allowance RM100 (45 days/yr, under 18); govt hospital allowance RM100/day (180 days/yr); major organ transplant once per lifetime; deductible = plan tier per deductible year", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/family-takaful/sun-medi-max-i/", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; conditions within first 30 days (except accidents); cosmetic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, quarantine-required diseases, war/terrorism", "entry_age_min": 18, "renew_age_max": 99, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/sunlife-sun-medimax-i-pds.txt + brochure", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "no", "per_disability_vs_lifetime": "lifetime" }, { "product": "sunlife-sun-medimax-i", "tier_name": "Plan 30K", "annual_limit_rm": 450000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 30000, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/60", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "R&B max 180 days/deductible year; ICU as charged (max 60 days/yr); medical report RM100; home nursing RM500-2,000 per disability; daily guardian allowance RM100 (45 days/yr, under 18); govt hospital allowance RM100/day (180 days/yr); major organ transplant once per lifetime; deductible = plan tier per deductible year", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/family-takaful/sun-medi-max-i/", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; conditions within first 30 days (except accidents); cosmetic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, quarantine-required diseases, war/terrorism", "entry_age_min": 18, "renew_age_max": 99, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/sunlife-sun-medimax-i-pds.txt + brochure", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "no", "per_disability_vs_lifetime": "lifetime" }, { "product": "sunlife-sun-medimax-i", "tier_name": "Plan 50K", "annual_limit_rm": 750000, "lifetime_limit": "unlimited", "room_board_rm": 250, "deductible_rm": 50000, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/60", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "R&B max 180 days/deductible year; ICU as charged (max 60 days/yr); medical report RM100; home nursing RM500-2,000 per disability; daily guardian allowance RM100 (45 days/yr, under 18); govt hospital allowance RM100/day (180 days/yr); major organ transplant once per lifetime; deductible = plan tier per deductible year", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/family-takaful/sun-medi-max-i/", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; conditions within first 30 days (except accidents); cosmetic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, quarantine-required diseases, war/terrorism", "entry_age_min": 18, "renew_age_max": 99, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/sunlife-sun-medimax-i-pds.txt + brochure", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "no", "per_disability_vs_lifetime": "lifetime" }, { "product": "sunlife-sun-medimax-i", "tier_name": "Plan 75K", "annual_limit_rm": 1125000, "lifetime_limit": "unlimited", "room_board_rm": 250, "deductible_rm": 75000, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/60", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "R&B max 180 days/deductible year; ICU as charged (max 60 days/yr); medical report RM100; home nursing RM500-2,000 per disability; daily guardian allowance RM100 (45 days/yr, under 18); govt hospital allowance RM100/day (180 days/yr); major organ transplant once per lifetime; deductible = plan tier per deductible year", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/family-takaful/sun-medi-max-i/", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; conditions within first 30 days (except accidents); cosmetic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, quarantine-required diseases, war/terrorism", "entry_age_min": 18, "renew_age_max": 99, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/sunlife-sun-medimax-i-pds.txt + brochure", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "no", "per_disability_vs_lifetime": "lifetime" }, { "product": "sunlife-sun-medimax-i", "tier_name": "Plan 100K", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 350, "deductible_rm": 100000, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/60", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "R&B max 180 days/deductible year; ICU as charged (max 60 days/yr); medical report RM100; home nursing RM500-2,000 per disability; daily guardian allowance RM100 (45 days/yr, under 18); govt hospital allowance RM100/day (180 days/yr); major organ transplant once per lifetime; deductible = plan tier per deductible year", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/family-takaful/sun-medi-max-i/", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; conditions within first 30 days (except accidents); cosmetic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, quarantine-required diseases, war/terrorism", "entry_age_min": 18, "renew_age_max": 99, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/sunlife-sun-medimax-i-pds.txt + brochure", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "no", "per_disability_vs_lifetime": "lifetime" }, { "product": "sunlife-sun-medimax-i", "tier_name": "Plan 200K", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": 200000, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "not disclosed", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/60", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "R&B max 180 days/deductible year; ICU as charged (max 60 days/yr); medical report RM100; home nursing RM500-2,000 per disability; daily guardian allowance RM100 (45 days/yr, under 18); govt hospital allowance RM100/day (180 days/yr); major organ transplant once per lifetime; deductible = plan tier per deductible year", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.sunlifemalaysia.com/insurance-and-takaful/family-takaful/sun-medi-max-i/", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; conditions within first 30 days (except accidents); cosmetic surgery, dental (except accidental), pregnancy/childbirth, HIV/AIDS, mental disorders, hazardous sports, quarantine-required diseases, war/terrorism", "entry_age_min": 18, "renew_age_max": 99, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "pds-b/sunlife-sun-medimax-i-pds.txt + brochure", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "no", "per_disability_vs_lifetime": "lifetime" }, { "product": "fwd-medical-care-plus", "tier_name": "Medical Plus", "annual_limit_rm": 50000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Optional deductible RM0/RM1,000/RM2,000 per year; deductible waived for major accidents (ICU admission, coma of at least 3 days, medically necessary surgery), major claims (cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure), emergency department red-zone visits, and Malaysian government hospital treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 60, "sub_limits": "R&B max 180 days/year; ICU max 90 days/year; in-hospital physician visit max 150 days/year (max 2 visits/day); pre-hosp diagnostic tests & specialist consultation within 60 days; post-hosp treatment within 90 days; daily cash allowance at Malaysian govt hospital RM200 (max 150 days/year); second medical opinion RM1,000/year; intraocular lens RM3,000 per eye & RM6,000 per lifetime; companion bed max 60 days/year; alternative medical practitioner RM1,000/year; medical report fees RM100 per disability; compassionate benefit RM5,000; accidental death benefit RM25,000; restoration benefit once per lifetime (RM50,000/RM150,000); organ transplant as charged; home nursing care max 180 days/lifetime; inpatient psychiatric treatment 30 days/year & 180 days/lifetime", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/medical-insurance-takaful/fwd-medical-care-plus", "exclusions": "Pre-existing conditions; circumcision or foreskin surgery; dental care or surgery (except injury-necessitated, excluding replacement of natural teeth, dentures, bridges, crowns); venereal disease; HIV/AIDS-related diseases (except second medical opinion); communicable diseases requiring quarantine by law; pregnancy or pregnancy-related conditions; impotence, sterilisation, erectile dysfunction; investigation/treatment of sleep and snoring disorders; hyperhidrosis; mental or nervous disorders; self-destruction or intentional self-inflicted injury within 1 year of commencement/reinstatement; act of war, coup, revolution, riot; refractive error correction surgery; sex transformation surgery; non-exhaustive list", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "fwd-medical-care-pds.txt; fwd-medical-care-brochure.txt; fwd-medical-care-faq.txt", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "fwd-medical-care-plus", "tier_name": "Medical Pro", "annual_limit_rm": 150000, "lifetime_limit": "unlimited", "room_board_rm": 250, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Optional deductible RM0/RM1,000/RM2,000 per year; deductible waived for major accidents (ICU admission, coma of at least 3 days, medically necessary surgery), major claims (cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure), emergency department red-zone visits, and Malaysian government hospital treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 60, "sub_limits": "R&B max 180 days/year; ICU max 90 days/year; in-hospital physician visit max 150 days/year (max 2 visits/day); pre-hosp diagnostic tests & specialist consultation within 60 days; post-hosp treatment within 90 days; daily cash allowance at Malaysian govt hospital RM200 (max 150 days/year); second medical opinion RM1,000/year; intraocular lens RM3,000 per eye & RM6,000 per lifetime; companion bed max 60 days/year; alternative medical practitioner RM1,000/year; medical report fees RM100 per disability; compassionate benefit RM5,000; accidental death benefit RM25,000; restoration benefit once per lifetime (RM50,000/RM150,000); organ transplant as charged; home nursing care max 180 days/lifetime; inpatient psychiatric treatment 30 days/year & 180 days/lifetime", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/medical-insurance-takaful/fwd-medical-care-plus", "exclusions": "Pre-existing conditions; circumcision or foreskin surgery; dental care or surgery (except injury-necessitated, excluding replacement of natural teeth, dentures, bridges, crowns); venereal disease; HIV/AIDS-related diseases (except second medical opinion); communicable diseases requiring quarantine by law; pregnancy or pregnancy-related conditions; impotence, sterilisation, erectile dysfunction; investigation/treatment of sleep and snoring disorders; hyperhidrosis; mental or nervous disorders; self-destruction or intentional self-inflicted injury within 1 year of commencement/reinstatement; act of war, coup, revolution, riot; refractive error correction surgery; sex transformation surgery; non-exhaustive list", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "fwd-medical-care-pds.txt; fwd-medical-care-brochure.txt; fwd-medical-care-faq.txt", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "fwd-medical-rider", "tier_name": "Plan 1", "annual_limit_rm": 200000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Optional deductible RM0/RM500/RM1,000/RM10,000/RM50,000 per annum (Plan 1-3); Plan 4: RM10,000 or RM50,000; deductible waived for major accidents (ICU admission, coma of at least 3 days, medically necessary surgery), major claims (cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure), emergency department red-zone visits, and Malaysian government hospital treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 65, "sub_limits": "R&B RM200/300/500/2,000 per day by plan; ICU max 90 days/year; in-hospital physician visit max 150 days/year (max 2 visits/day); pre-hosp diagnostic tests & specialist consultation within 60 days; post-hosp treatment within 90 days; second medical opinion RM1,000/year; daily cash allowance at Malaysian govt hospital RM200 & private hospital RM50 (max 150 days/year); home nursing care max 180 days/lifetime; intraocular lens up to RM3,000 per eye & RM6,000 per lifetime; medical report fees RM100 per disability; organ transplant once per lifetime; no-claim booster: initial overall annual limit +10% every 2 years without approved claim, capped at 50% of initial limit", "ilp_rider_erodes_account": "not disclosed", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/medical-insurance-takaful/fwd-medical-rider", "exclusions": "Pre-existing conditions; wilful participation in unlawful act; circumcision or foreskin surgery; dental care or surgery (except injury-necessitated, excluding replacement of natural teeth, dentures, bridges, crowns); venereal disease; HIV/AIDS-related diseases (except second medical opinion); communicable diseases requiring quarantine by law; pregnancy or pregnancy-related conditions; impotence, sterilisation, erectile dysfunction; investigation/treatment of sleep and snoring disorders; hyperhidrosis; mental or nervous disorders; self-destruction or intentional self-inflicted injury within 1 year of commencement/reinstatement; act of war, coup, revolution, riot; refractive error correction surgery; sex transformation surgery; non-exhaustive list", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "source_detail": "fwd-medical-rider-brochure.txt", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "fwd-medical-rider", "tier_name": "Plan 2", "annual_limit_rm": 300000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Optional deductible RM0/RM500/RM1,000/RM10,000/RM50,000 per annum (Plan 1-3); Plan 4: RM10,000 or RM50,000; deductible waived for major accidents (ICU admission, coma of at least 3 days, medically necessary surgery), major claims (cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure), emergency department red-zone visits, and Malaysian government hospital treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 65, "sub_limits": "R&B RM200/300/500/2,000 per day by plan; ICU max 90 days/year; in-hospital physician visit max 150 days/year (max 2 visits/day); pre-hosp diagnostic tests & specialist consultation within 60 days; post-hosp treatment within 90 days; second medical opinion RM1,000/year; daily cash allowance at Malaysian govt hospital RM200 & private hospital RM50 (max 150 days/year); home nursing care max 180 days/lifetime; intraocular lens up to RM3,000 per eye & RM6,000 per lifetime; medical report fees RM100 per disability; organ transplant once per lifetime; no-claim booster: initial overall annual limit +10% every 2 years without approved claim, capped at 50% of initial limit", "ilp_rider_erodes_account": "not disclosed", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/medical-insurance-takaful/fwd-medical-rider", "exclusions": "Pre-existing conditions; wilful participation in unlawful act; circumcision or foreskin surgery; dental care or surgery (except injury-necessitated, excluding replacement of natural teeth, dentures, bridges, crowns); venereal disease; HIV/AIDS-related diseases (except second medical opinion); communicable diseases requiring quarantine by law; pregnancy or pregnancy-related conditions; impotence, sterilisation, erectile dysfunction; investigation/treatment of sleep and snoring disorders; hyperhidrosis; mental or nervous disorders; self-destruction or intentional self-inflicted injury within 1 year of commencement/reinstatement; act of war, coup, revolution, riot; refractive error correction surgery; sex transformation surgery; non-exhaustive list", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "source_detail": "fwd-medical-rider-brochure.txt", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "fwd-medical-rider", "tier_name": "Plan 3", "annual_limit_rm": 500000, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Optional deductible RM0/RM500/RM1,000/RM10,000/RM50,000 per annum (Plan 1-3); Plan 4: RM10,000 or RM50,000; deductible waived for major accidents (ICU admission, coma of at least 3 days, medically necessary surgery), major claims (cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure), emergency department red-zone visits, and Malaysian government hospital treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 65, "sub_limits": "R&B RM200/300/500/2,000 per day by plan; ICU max 90 days/year; in-hospital physician visit max 150 days/year (max 2 visits/day); pre-hosp diagnostic tests & specialist consultation within 60 days; post-hosp treatment within 90 days; second medical opinion RM1,000/year; daily cash allowance at Malaysian govt hospital RM200 & private hospital RM50 (max 150 days/year); home nursing care max 180 days/lifetime; intraocular lens up to RM3,000 per eye & RM6,000 per lifetime; medical report fees RM100 per disability; organ transplant once per lifetime; no-claim booster: initial overall annual limit +10% every 2 years without approved claim, capped at 50% of initial limit", "ilp_rider_erodes_account": "not disclosed", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/medical-insurance-takaful/fwd-medical-rider", "exclusions": "Pre-existing conditions; wilful participation in unlawful act; circumcision or foreskin surgery; dental care or surgery (except injury-necessitated, excluding replacement of natural teeth, dentures, bridges, crowns); venereal disease; HIV/AIDS-related diseases (except second medical opinion); communicable diseases requiring quarantine by law; pregnancy or pregnancy-related conditions; impotence, sterilisation, erectile dysfunction; investigation/treatment of sleep and snoring disorders; hyperhidrosis; mental or nervous disorders; self-destruction or intentional self-inflicted injury within 1 year of commencement/reinstatement; act of war, coup, revolution, riot; refractive error correction surgery; sex transformation surgery; non-exhaustive list", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "source_detail": "fwd-medical-rider-brochure.txt", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "fwd-medical-rider", "tier_name": "Plan 4", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 2000, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Optional deductible RM0/RM500/RM1,000/RM10,000/RM50,000 per annum (Plan 1-3); Plan 4: RM10,000 or RM50,000; deductible waived for major accidents (ICU admission, coma of at least 3 days, medically necessary surgery), major claims (cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure), emergency department red-zone visits, and Malaysian government hospital treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 65, "sub_limits": "R&B RM200/300/500/2,000 per day by plan; ICU max 90 days/year; in-hospital physician visit max 150 days/year (max 2 visits/day); pre-hosp diagnostic tests & specialist consultation within 60 days; post-hosp treatment within 90 days; second medical opinion RM1,000/year; daily cash allowance at Malaysian govt hospital RM200 & private hospital RM50 (max 150 days/year); home nursing care max 180 days/lifetime; intraocular lens up to RM3,000 per eye & RM6,000 per lifetime; medical report fees RM100 per disability; organ transplant once per lifetime; no-claim booster: initial overall annual limit +10% every 2 years without approved claim, capped at 50% of initial limit", "ilp_rider_erodes_account": "not disclosed", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/medical-insurance-takaful/fwd-medical-rider", "exclusions": "Pre-existing conditions; wilful participation in unlawful act; circumcision or foreskin surgery; dental care or surgery (except injury-necessitated, excluding replacement of natural teeth, dentures, bridges, crowns); venereal disease; HIV/AIDS-related diseases (except second medical opinion); communicable diseases requiring quarantine by law; pregnancy or pregnancy-related conditions; impotence, sterilisation, erectile dysfunction; investigation/treatment of sleep and snoring disorders; hyperhidrosis; mental or nervous disorders; self-destruction or intentional self-inflicted injury within 1 year of commencement/reinstatement; act of war, coup, revolution, riot; refractive error correction surgery; sex transformation surgery; non-exhaustive list", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "source_detail": "fwd-medical-rider-brochure.txt", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "fwd-medical-plus-rider", "tier_name": "Plan A", "annual_limit_rm": 500000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Optional deductible RM0/RM5,000 per year; deductible not applied to extended care benefits, treatment at Malaysian government hospitals (incl. daily hospital cash allowance), emergency department red-zone visits, and outpatient treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/150", "cancer_rider": "yes", "entry_age_max": 60, "sub_limits": "R&B RM200/300/500 per day by plan (doubled for overseas treatment, subject to same overall annual limit); daily hospital cash benefit at Malaysian govt hospital RM100 (max 100 days/certificate/year); ICU as charged; in-hospital physician/specialist visits max 3/day; surgical costs incl. reconstructive surgery for cancer (pre-surgery 30 days, post-surgery 30 days); diagnostic tests RM200/300/500 (within 60 days pre-hosp); monitoring benefit up to 5 years from completion of active cancer/heart attack treatment; post-hosp treatment within 150 days; advanced treatment benefit (genomic testing, precision medicine, specialty drugs) as charged with overall annual limit doubled for that certificate year; extended care: preventative check-up for direct family members up to RM5,000/lifetime (max 3 members), dietician consultation up to RM200/visit (max 20 visits/year), psychological counselling up to RM270/visit (max 20 visits/year, shared with family), physio/occupational/speech therapy up to RM200/visit (max 60 visits/year), medical appliance up to RM15,000/lifetime, home nursing care up to RM270/day (max 60 days/year), wig expenses for cancer RM1,500/lifetime, home safety assessment & modification RM1,500/lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/medical-insurance-takaful/fwd-medical-plus-rider", "exclusions": "Pre-existing conditions (disability or illness existing prior to start of rider); wilful participation in unlawful act; act of war (declared or not), coup, revolution, riot; pregnancy or pregnancy-related conditions (except maternity complications benefit); congenital abnormalities or deformities including hereditary conditions; non-exhaustive list", "entry_age_min": 0, "renew_age_max": 85, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "source_detail": "fwd-medical-plus-rider-brochure.txt", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "lifetime" }, { "product": "fwd-medical-plus-rider", "tier_name": "Plan B", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Optional deductible RM0/RM5,000 per year; deductible not applied to extended care benefits, treatment at Malaysian government hospitals (incl. daily hospital cash allowance), emergency department red-zone visits, and outpatient treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/150", "cancer_rider": "yes", "entry_age_max": 60, "sub_limits": "R&B RM200/300/500 per day by plan (doubled for overseas treatment, subject to same overall annual limit); daily hospital cash benefit at Malaysian govt hospital RM100 (max 100 days/certificate/year); ICU as charged; in-hospital physician/specialist visits max 3/day; surgical costs incl. reconstructive surgery for cancer (pre-surgery 30 days, post-surgery 30 days); diagnostic tests RM200/300/500 (within 60 days pre-hosp); monitoring benefit up to 5 years from completion of active cancer/heart attack treatment; post-hosp treatment within 150 days; advanced treatment benefit (genomic testing, precision medicine, specialty drugs) as charged with overall annual limit doubled for that certificate year; extended care: preventative check-up for direct family members up to RM5,000/lifetime (max 3 members), dietician consultation up to RM200/visit (max 20 visits/year), psychological counselling up to RM270/visit (max 20 visits/year, shared with family), physio/occupational/speech therapy up to RM200/visit (max 60 visits/year), medical appliance up to RM15,000/lifetime, home nursing care up to RM270/day (max 60 days/year), wig expenses for cancer RM1,500/lifetime, home safety assessment & modification RM1,500/lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/medical-insurance-takaful/fwd-medical-plus-rider", "exclusions": "Pre-existing conditions (disability or illness existing prior to start of rider); wilful participation in unlawful act; act of war (declared or not), coup, revolution, riot; pregnancy or pregnancy-related conditions (except maternity complications benefit); congenital abnormalities or deformities including hereditary conditions; non-exhaustive list", "entry_age_min": 0, "renew_age_max": 85, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "source_detail": "fwd-medical-plus-rider-brochure.txt", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "lifetime" }, { "product": "fwd-medical-plus-rider", "tier_name": "Plan C", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Optional deductible RM0/RM5,000 per year; deductible not applied to extended care benefits, treatment at Malaysian government hospitals (incl. daily hospital cash allowance), emergency department red-zone visits, and outpatient treatment; no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/150", "cancer_rider": "yes", "entry_age_max": 60, "sub_limits": "R&B RM200/300/500 per day by plan (doubled for overseas treatment, subject to same overall annual limit); daily hospital cash benefit at Malaysian govt hospital RM100 (max 100 days/certificate/year); ICU as charged; in-hospital physician/specialist visits max 3/day; surgical costs incl. reconstructive surgery for cancer (pre-surgery 30 days, post-surgery 30 days); diagnostic tests RM200/300/500 (within 60 days pre-hosp); monitoring benefit up to 5 years from completion of active cancer/heart attack treatment; post-hosp treatment within 150 days; advanced treatment benefit (genomic testing, precision medicine, specialty drugs) as charged with overall annual limit doubled for that certificate year; extended care: preventative check-up for direct family members up to RM5,000/lifetime (max 3 members), dietician consultation up to RM200/visit (max 20 visits/year), psychological counselling up to RM270/visit (max 20 visits/year, shared with family), physio/occupational/speech therapy up to RM200/visit (max 60 visits/year), medical appliance up to RM15,000/lifetime, home nursing care up to RM270/day (max 60 days/year), wig expenses for cancer RM1,500/lifetime, home safety assessment & modification RM1,500/lifetime", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.fwd.com.my/medical-insurance-takaful/fwd-medical-plus-rider", "exclusions": "Pre-existing conditions (disability or illness existing prior to start of rider); wilful participation in unlawful act; act of war (declared or not), coup, revolution, riot; pregnancy or pregnancy-related conditions (except maternity complications benefit); congenital abnormalities or deformities including hereditary conditions; non-exhaustive list", "entry_age_min": 0, "renew_age_max": 85, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "not disclosed", "source_detail": "fwd-medical-plus-rider-brochure.txt", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "lifetime" }, { "product": "ge-takaful-i-medi-evolusi-rider", "tier_name": "Plan 150 (Deductible RM500)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 500, "coinsurance_pct": 20, "coinsurance_cap_rm": 20000, "copay": "n/a", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "120/180", "cancer_rider": "no", "entry_age_max": 60, "sub_limits": "R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs, max 5x); ICU as charged unlimited days; pre-hosp 120 days; post-hosp 180 days; outpatient emergency accidental RM5,000/yr; intraocular lens RM4,000/eye max RM8,000 lifetime; govt hospital daily cash RM150/200; daily guardian RM200/day max 180 days/yr (Plan 200 only); organ transplant once per lifetime as receiver; deductible per certificate year (retirement option); 5% co-takaful up to RM500/yr for outpatient treatment; 20% co-takaful up to RM20,000/yr only if The Great Journey pathway not followed", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.greateasterntakaful.com/content/dam/corp-site/takaful/geltk/i-medi-evolusi-rider/getb-i-medi-evolusi-rider-pds.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes); diseases requiring quarantine by law except COVID-19 for fully vaccinated or ineligible unvaccinated; non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Smart Medic Xtra NOT found on official GE Takaful site (greateasterntakaful.com, checked 2026-08-25; product page 404) - legacy/discontinued. Current main medical card is i-Medi Evolusi Rider; tiers below are i-Medi Evolusi Rider Plan 150/200. PDS EN/BM (WXY LWE F / (1056349) / J184 / V01 / 0125, valid 01/2025) + brochure FAQ: OAL RM1.5m/RM2m, no lifetime limit, R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs up to 5x), deductible RM500/RM3,000/RM20,000 per certificate year (retirement option; RM20k max entry ANB 50), ICU as charged unlimited days, pre-hosp 120 days, post-hosp 180 days, outpatient emergency accidental RM5,000/yr, intraocular lens RM4,000/eye max RM8,000 lifetime, govt hospital daily cash RM150/200, daily guardian RM200/day max 180 days/yr (Plan 200), organ transplant once per lifetime, 5% co-takaful up to RM500/yr outpatient, 20% co-takaful up to RM20,000/yr if The Great Journey not followed, waiting 30/120 days, entry child 14 days old / adult 16 ANB, max entry 60 ANB, cover to 80 ANB, renewal guaranteed but rates not guaranteed, rider on regular contribution term family takaful plans (not ILP).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "not disclosed" }, { "product": "ge-takaful-i-medi-evolusi-rider", "tier_name": "Plan 200 (Deductible RM500)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 500, "coinsurance_pct": 20, "coinsurance_cap_rm": 20000, "copay": "n/a", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "120/180", "cancer_rider": "no", "entry_age_max": 60, "sub_limits": "R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs, max 5x); ICU as charged unlimited days; pre-hosp 120 days; post-hosp 180 days; outpatient emergency accidental RM5,000/yr; intraocular lens RM4,000/eye max RM8,000 lifetime; govt hospital daily cash RM150/200; daily guardian RM200/day max 180 days/yr (Plan 200 only); organ transplant once per lifetime as receiver; deductible per certificate year (retirement option); 5% co-takaful up to RM500/yr for outpatient treatment; 20% co-takaful up to RM20,000/yr only if The Great Journey pathway not followed", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.greateasterntakaful.com/content/dam/corp-site/takaful/geltk/i-medi-evolusi-rider/getb-i-medi-evolusi-rider-pds.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes); diseases requiring quarantine by law except COVID-19 for fully vaccinated or ineligible unvaccinated; non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Smart Medic Xtra NOT found on official GE Takaful site (greateasterntakaful.com, checked 2026-08-25; product page 404) - legacy/discontinued. Current main medical card is i-Medi Evolusi Rider; tiers below are i-Medi Evolusi Rider Plan 150/200. PDS EN/BM (WXY LWE F / (1056349) / J184 / V01 / 0125, valid 01/2025) + brochure FAQ: OAL RM1.5m/RM2m, no lifetime limit, R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs up to 5x), deductible RM500/RM3,000/RM20,000 per certificate year (retirement option; RM20k max entry ANB 50), ICU as charged unlimited days, pre-hosp 120 days, post-hosp 180 days, outpatient emergency accidental RM5,000/yr, intraocular lens RM4,000/eye max RM8,000 lifetime, govt hospital daily cash RM150/200, daily guardian RM200/day max 180 days/yr (Plan 200), organ transplant once per lifetime, 5% co-takaful up to RM500/yr outpatient, 20% co-takaful up to RM20,000/yr if The Great Journey not followed, waiting 30/120 days, entry child 14 days old / adult 16 ANB, max entry 60 ANB, cover to 80 ANB, renewal guaranteed but rates not guaranteed, rider on regular contribution term family takaful plans (not ILP).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "not disclosed" }, { "product": "ge-takaful-i-medi-evolusi-rider", "tier_name": "Plan 150 (Deductible RM3,000)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 3000, "coinsurance_pct": 20, "coinsurance_cap_rm": 20000, "copay": "n/a", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "120/180", "cancer_rider": "no", "entry_age_max": 60, "sub_limits": "R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs, max 5x); ICU as charged unlimited days; pre-hosp 120 days; post-hosp 180 days; outpatient emergency accidental RM5,000/yr; intraocular lens RM4,000/eye max RM8,000 lifetime; govt hospital daily cash RM150/200; daily guardian RM200/day max 180 days/yr (Plan 200 only); organ transplant once per lifetime as receiver; deductible per certificate year (retirement option); 5% co-takaful up to RM500/yr for outpatient treatment; 20% co-takaful up to RM20,000/yr only if The Great Journey pathway not followed", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.greateasterntakaful.com/content/dam/corp-site/takaful/geltk/i-medi-evolusi-rider/getb-i-medi-evolusi-rider-pds.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes); diseases requiring quarantine by law except COVID-19 for fully vaccinated or ineligible unvaccinated; non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Smart Medic Xtra NOT found on official GE Takaful site (greateasterntakaful.com, checked 2026-08-25; product page 404) - legacy/discontinued. Current main medical card is i-Medi Evolusi Rider; tiers below are i-Medi Evolusi Rider Plan 150/200. PDS EN/BM (WXY LWE F / (1056349) / J184 / V01 / 0125, valid 01/2025) + brochure FAQ: OAL RM1.5m/RM2m, no lifetime limit, R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs up to 5x), deductible RM500/RM3,000/RM20,000 per certificate year (retirement option; RM20k max entry ANB 50), ICU as charged unlimited days, pre-hosp 120 days, post-hosp 180 days, outpatient emergency accidental RM5,000/yr, intraocular lens RM4,000/eye max RM8,000 lifetime, govt hospital daily cash RM150/200, daily guardian RM200/day max 180 days/yr (Plan 200), organ transplant once per lifetime, 5% co-takaful up to RM500/yr outpatient, 20% co-takaful up to RM20,000/yr if The Great Journey not followed, waiting 30/120 days, entry child 14 days old / adult 16 ANB, max entry 60 ANB, cover to 80 ANB, renewal guaranteed but rates not guaranteed, rider on regular contribution term family takaful plans (not ILP).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "not disclosed" }, { "product": "ge-takaful-i-medi-evolusi-rider", "tier_name": "Plan 200 (Deductible RM3,000)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 3000, "coinsurance_pct": 20, "coinsurance_cap_rm": 20000, "copay": "n/a", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "120/180", "cancer_rider": "no", "entry_age_max": 60, "sub_limits": "R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs, max 5x); ICU as charged unlimited days; pre-hosp 120 days; post-hosp 180 days; outpatient emergency accidental RM5,000/yr; intraocular lens RM4,000/eye max RM8,000 lifetime; govt hospital daily cash RM150/200; daily guardian RM200/day max 180 days/yr (Plan 200 only); organ transplant once per lifetime as receiver; deductible per certificate year (retirement option); 5% co-takaful up to RM500/yr for outpatient treatment; 20% co-takaful up to RM20,000/yr only if The Great Journey pathway not followed", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.greateasterntakaful.com/content/dam/corp-site/takaful/geltk/i-medi-evolusi-rider/getb-i-medi-evolusi-rider-pds.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes); diseases requiring quarantine by law except COVID-19 for fully vaccinated or ineligible unvaccinated; non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Smart Medic Xtra NOT found on official GE Takaful site (greateasterntakaful.com, checked 2026-08-25; product page 404) - legacy/discontinued. Current main medical card is i-Medi Evolusi Rider; tiers below are i-Medi Evolusi Rider Plan 150/200. PDS EN/BM (WXY LWE F / (1056349) / J184 / V01 / 0125, valid 01/2025) + brochure FAQ: OAL RM1.5m/RM2m, no lifetime limit, R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs up to 5x), deductible RM500/RM3,000/RM20,000 per certificate year (retirement option; RM20k max entry ANB 50), ICU as charged unlimited days, pre-hosp 120 days, post-hosp 180 days, outpatient emergency accidental RM5,000/yr, intraocular lens RM4,000/eye max RM8,000 lifetime, govt hospital daily cash RM150/200, daily guardian RM200/day max 180 days/yr (Plan 200), organ transplant once per lifetime, 5% co-takaful up to RM500/yr outpatient, 20% co-takaful up to RM20,000/yr if The Great Journey not followed, waiting 30/120 days, entry child 14 days old / adult 16 ANB, max entry 60 ANB, cover to 80 ANB, renewal guaranteed but rates not guaranteed, rider on regular contribution term family takaful plans (not ILP).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "not disclosed" }, { "product": "ge-takaful-i-medi-evolusi-rider", "tier_name": "Plan 150 (Deductible RM20,000)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 20000, "coinsurance_pct": 20, "coinsurance_cap_rm": 20000, "copay": "n/a", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "120/180", "cancer_rider": "no", "entry_age_max": 60, "sub_limits": "R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs, max 5x); ICU as charged unlimited days; pre-hosp 120 days; post-hosp 180 days; outpatient emergency accidental RM5,000/yr; intraocular lens RM4,000/eye max RM8,000 lifetime; govt hospital daily cash RM150/200; daily guardian RM200/day max 180 days/yr (Plan 200 only); organ transplant once per lifetime as receiver; deductible per certificate year (retirement option); 5% co-takaful up to RM500/yr for outpatient treatment; 20% co-takaful up to RM20,000/yr only if The Great Journey pathway not followed", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.greateasterntakaful.com/content/dam/corp-site/takaful/geltk/i-medi-evolusi-rider/getb-i-medi-evolusi-rider-pds.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes); diseases requiring quarantine by law except COVID-19 for fully vaccinated or ineligible unvaccinated; non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Smart Medic Xtra NOT found on official GE Takaful site (greateasterntakaful.com, checked 2026-08-25; product page 404) - legacy/discontinued. Current main medical card is i-Medi Evolusi Rider; tiers below are i-Medi Evolusi Rider Plan 150/200. PDS EN/BM (WXY LWE F / (1056349) / J184 / V01 / 0125, valid 01/2025) + brochure FAQ: OAL RM1.5m/RM2m, no lifetime limit, R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs up to 5x), deductible RM500/RM3,000/RM20,000 per certificate year (retirement option; RM20k max entry ANB 50), ICU as charged unlimited days, pre-hosp 120 days, post-hosp 180 days, outpatient emergency accidental RM5,000/yr, intraocular lens RM4,000/eye max RM8,000 lifetime, govt hospital daily cash RM150/200, daily guardian RM200/day max 180 days/yr (Plan 200), organ transplant once per lifetime, 5% co-takaful up to RM500/yr outpatient, 20% co-takaful up to RM20,000/yr if The Great Journey not followed, waiting 30/120 days, entry child 14 days old / adult 16 ANB, max entry 60 ANB, cover to 80 ANB, renewal guaranteed but rates not guaranteed, rider on regular contribution term family takaful plans (not ILP).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "not disclosed" }, { "product": "ge-takaful-i-medi-evolusi-rider", "tier_name": "Plan 200 (Deductible RM20,000)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 20000, "coinsurance_pct": 20, "coinsurance_cap_rm": 20000, "copay": "n/a", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "120/180", "cancer_rider": "no", "entry_age_max": 60, "sub_limits": "R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs, max 5x); ICU as charged unlimited days; pre-hosp 120 days; post-hosp 180 days; outpatient emergency accidental RM5,000/yr; intraocular lens RM4,000/eye max RM8,000 lifetime; govt hospital daily cash RM150/200; daily guardian RM200/day max 180 days/yr (Plan 200 only); organ transplant once per lifetime as receiver; deductible per certificate year (retirement option); 5% co-takaful up to RM500/yr for outpatient treatment; 20% co-takaful up to RM20,000/yr only if The Great Journey pathway not followed", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.greateasterntakaful.com/content/dam/corp-site/takaful/geltk/i-medi-evolusi-rider/getb-i-medi-evolusi-rider-pds.pdf", "exclusions": "Pre-existing conditions; specified illnesses (e.g. hypertension, diabetes); diseases requiring quarantine by law except COVID-19 for fully vaccinated or ineligible unvaccinated; non-exhaustive list (see certificate)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Smart Medic Xtra NOT found on official GE Takaful site (greateasterntakaful.com, checked 2026-08-25; product page 404) - legacy/discontinued. Current main medical card is i-Medi Evolusi Rider; tiers below are i-Medi Evolusi Rider Plan 150/200. PDS EN/BM (WXY LWE F / (1056349) / J184 / V01 / 0125, valid 01/2025) + brochure FAQ: OAL RM1.5m/RM2m, no lifetime limit, R&B RM150/200 per day unlimited days (20% no-claim increase every 5 yrs up to 5x), deductible RM500/RM3,000/RM20,000 per certificate year (retirement option; RM20k max entry ANB 50), ICU as charged unlimited days, pre-hosp 120 days, post-hosp 180 days, outpatient emergency accidental RM5,000/yr, intraocular lens RM4,000/eye max RM8,000 lifetime, govt hospital daily cash RM150/200, daily guardian RM200/day max 180 days/yr (Plan 200), organ transplant once per lifetime, 5% co-takaful up to RM500/yr outpatient, 20% co-takaful up to RM20,000/yr if The Great Journey not followed, waiting 30/120 days, entry child 14 days old / adult 16 ANB, max entry 60 ANB, cover to 80 ANB, renewal guaranteed but rates not guaranteed, rider on regular contribution term family takaful plans (not ILP).", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "not disclosed" }, { "product": "zurich-takaful-mediafya-plus", "tier_name": "Plan 200 (Deductible RM500)", "annual_limit_rm": 500000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "n/a", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/210", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "ICU/HDU as charged max 210 days/yr; R&B RM200/300 per day unlimited days; pre-hosp 90 days; post-hosp 210 days; outpatient physiotherapy within 210 days from discharge/surgery; intraocular lens RM5,000/eye once per lifetime; second medical opinion RM1,000/yr; govt hospital daily cash RM200/300 per day unlimited days; EAP additional to annual limit; deductible waived for emergency treatment (except emergency accidental outpatient) and govt healthcare facilities; worldwide cover if not residing/travelling outside Malaysia >90 consecutive days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/takaful-products/brochures/zgtmb-mediafya-plus-brochure-bm-eng.pdf", "exclusions": "Pre-existing conditions; specified illnesses occurring during first 120 days of continuous cover; medical/physical conditions arising within first 30 days of rider commencement (except accidental injuries); attempted suicide or self-inflicted injury; war, terrorism, riots, civil commotion; non-exhaustive (see Supplementary Certificate)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official product page (zurich.com.my/takaful-products/protection/for-my-health/mediafya-plus) + BM/ENG brochure (downloaded 2026-08-25): Plan 200 annual RM500,000 / Plan 300 RM1,000,000, lifetime limit unlimited, R&B RM200/300 per day unlimited days, deductible RM500 or RM5,000 per year (waived for emergency treatment except emergency accidental outpatient and govt healthcare facilities), ICU/HDU as charged max 210 days/yr, pre-hosp 90 days, post-hosp 210 days, outpatient physio within 210 days, intraocular lens RM5,000/eye once per lifetime, second medical opinion RM1,000/yr, govt hospital daily cash RM200/300, EAP additional to annual limit, entry age 30 days-70 attained, renewable yearly to age 80, rider on selected ordinary family takaful plans (Tabarru' monthly from PIA), waiting 30/120 days, exclusions: pre-existing, specified illnesses first 120 days, conditions first 30 days (except accidents), suicide, war/terrorism. PDS PDF not published on site; brochure used.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "zurich-takaful-mediafya-plus", "tier_name": "Plan 300 (Deductible RM500)", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "n/a", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/210", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "ICU/HDU as charged max 210 days/yr; R&B RM200/300 per day unlimited days; pre-hosp 90 days; post-hosp 210 days; outpatient physiotherapy within 210 days from discharge/surgery; intraocular lens RM5,000/eye once per lifetime; second medical opinion RM1,000/yr; govt hospital daily cash RM200/300 per day unlimited days; EAP additional to annual limit; deductible waived for emergency treatment (except emergency accidental outpatient) and govt healthcare facilities; worldwide cover if not residing/travelling outside Malaysia >90 consecutive days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/takaful-products/brochures/zgtmb-mediafya-plus-brochure-bm-eng.pdf", "exclusions": "Pre-existing conditions; specified illnesses occurring during first 120 days of continuous cover; medical/physical conditions arising within first 30 days of rider commencement (except accidental injuries); attempted suicide or self-inflicted injury; war, terrorism, riots, civil commotion; non-exhaustive (see Supplementary Certificate)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official product page (zurich.com.my/takaful-products/protection/for-my-health/mediafya-plus) + BM/ENG brochure (downloaded 2026-08-25): Plan 200 annual RM500,000 / Plan 300 RM1,000,000, lifetime limit unlimited, R&B RM200/300 per day unlimited days, deductible RM500 or RM5,000 per year (waived for emergency treatment except emergency accidental outpatient and govt healthcare facilities), ICU/HDU as charged max 210 days/yr, pre-hosp 90 days, post-hosp 210 days, outpatient physio within 210 days, intraocular lens RM5,000/eye once per lifetime, second medical opinion RM1,000/yr, govt hospital daily cash RM200/300, EAP additional to annual limit, entry age 30 days-70 attained, renewable yearly to age 80, rider on selected ordinary family takaful plans (Tabarru' monthly from PIA), waiting 30/120 days, exclusions: pre-existing, specified illnesses first 120 days, conditions first 30 days (except accidents), suicide, war/terrorism. PDS PDF not published on site; brochure used.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "zurich-takaful-mediafya-plus", "tier_name": "Plan 200 (Deductible RM5,000)", "annual_limit_rm": 500000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "n/a", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/210", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "ICU/HDU as charged max 210 days/yr; R&B RM200/300 per day unlimited days; pre-hosp 90 days; post-hosp 210 days; outpatient physiotherapy within 210 days from discharge/surgery; intraocular lens RM5,000/eye once per lifetime; second medical opinion RM1,000/yr; govt hospital daily cash RM200/300 per day unlimited days; EAP additional to annual limit; deductible waived for emergency treatment (except emergency accidental outpatient) and govt healthcare facilities; worldwide cover if not residing/travelling outside Malaysia >90 consecutive days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/takaful-products/brochures/zgtmb-mediafya-plus-brochure-bm-eng.pdf", "exclusions": "Pre-existing conditions; specified illnesses occurring during first 120 days of continuous cover; medical/physical conditions arising within first 30 days of rider commencement (except accidental injuries); attempted suicide or self-inflicted injury; war, terrorism, riots, civil commotion; non-exhaustive (see Supplementary Certificate)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official product page (zurich.com.my/takaful-products/protection/for-my-health/mediafya-plus) + BM/ENG brochure (downloaded 2026-08-25): Plan 200 annual RM500,000 / Plan 300 RM1,000,000, lifetime limit unlimited, R&B RM200/300 per day unlimited days, deductible RM500 or RM5,000 per year (waived for emergency treatment except emergency accidental outpatient and govt healthcare facilities), ICU/HDU as charged max 210 days/yr, pre-hosp 90 days, post-hosp 210 days, outpatient physio within 210 days, intraocular lens RM5,000/eye once per lifetime, second medical opinion RM1,000/yr, govt hospital daily cash RM200/300, EAP additional to annual limit, entry age 30 days-70 attained, renewable yearly to age 80, rider on selected ordinary family takaful plans (Tabarru' monthly from PIA), waiting 30/120 days, exclusions: pre-existing, specified illnesses first 120 days, conditions first 30 days (except accidents), suicide, war/terrorism. PDS PDF not published on site; brochure used.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "zurich-takaful-mediafya-plus", "tier_name": "Plan 300 (Deductible RM5,000)", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "n/a", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/210", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "ICU/HDU as charged max 210 days/yr; R&B RM200/300 per day unlimited days; pre-hosp 90 days; post-hosp 210 days; outpatient physiotherapy within 210 days from discharge/surgery; intraocular lens RM5,000/eye once per lifetime; second medical opinion RM1,000/yr; govt hospital daily cash RM200/300 per day unlimited days; EAP additional to annual limit; deductible waived for emergency treatment (except emergency accidental outpatient) and govt healthcare facilities; worldwide cover if not residing/travelling outside Malaysia >90 consecutive days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/takaful-products/brochures/zgtmb-mediafya-plus-brochure-bm-eng.pdf", "exclusions": "Pre-existing conditions; specified illnesses occurring during first 120 days of continuous cover; medical/physical conditions arising within first 30 days of rider commencement (except accidental injuries); attempted suicide or self-inflicted injury; war, terrorism, riots, civil commotion; non-exhaustive (see Supplementary Certificate)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official product page (zurich.com.my/takaful-products/protection/for-my-health/mediafya-plus) + BM/ENG brochure (downloaded 2026-08-25): Plan 200 annual RM500,000 / Plan 300 RM1,000,000, lifetime limit unlimited, R&B RM200/300 per day unlimited days, deductible RM500 or RM5,000 per year (waived for emergency treatment except emergency accidental outpatient and govt healthcare facilities), ICU/HDU as charged max 210 days/yr, pre-hosp 90 days, post-hosp 210 days, outpatient physio within 210 days, intraocular lens RM5,000/eye once per lifetime, second medical opinion RM1,000/yr, govt hospital daily cash RM200/300, EAP additional to annual limit, entry age 30 days-70 attained, renewable yearly to age 80, rider on selected ordinary family takaful plans (Tabarru' monthly from PIA), waiting 30/120 days, exclusions: pre-existing, specified illnesses first 120 days, conditions first 30 days (except accidents), suicide, war/terrorism. PDS PDF not published on site; brochure used.", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "a-plus-health-360-i", "tier_name": "Plan 200 (Deductible RM500 per certificate year)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 500, "coinsurance_pct": 5, "coinsurance_cap_rm": 500, "copay": "RM500 deductible per certificate year (items 1-8); 5% co-takaful per certificate year up to RM500 (items 9-10: outpatient illness treatment and outpatient physiotherapy); deductible and co-takaful not applicable to emergency treatment incl. accidents and treatment at Government healthcare facilities", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B and ICU no day limits; home nursing care up to RM3,000 per confinement (max 180 days lifetime); outpatient physiotherapy max 8 sessions within 60 days of specialist referral; outpatient kidney dialysis and cancer treatment as charged; emergency accidental outpatient treatment incl. dental and 30 days follow-up; post-hospitalisation 180 days (non-serious) / 365 days (serious); no-claim bonus RM1,000/year into Health Wallet (up to 10x); preferred panel bonus RM500/year (SMART Panel Hospital, up to 10x); primary care up to RM50/visit, 3 visits/year via Health Wallet; hospitalisation care benefit RM150-RM1,000 via AIA Vitality; R&B upgrade +50%/+100% via AIA Vitality; PMCM via Teladoc", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/content/dam/my-wise/document/health-protection-takaful/A-Plus%20Health%20360-i_Brochure_Final.pdf", "exclusions": "not disclosed", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Official A-Plus Health 360-i brochure (0626, bilingual EN/BM) downloaded from product page https://www.aia.com.my/en/our-products/health-protection/medical-protection/a-plus-health360-i.html: 2 plans (Plan 200/Plan 300) x 2 cost saving options (RM500 deductible; RM500 deductible with SMART Option) emitted as separate objects per dataset convention; OAL RM1,500,000/RM3,000,000; lifetime limit No limit; R&B RM200/RM300 per day no day limit; ICU as charged no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious)/365 days (serious); day care procedure & surgery as charged; outpatient cancer & kidney dialysis as charged; 5% co-takaful up to RM500 per certificate year (items 9-10); SMART Option: RM500 deductible + 20% co-takaful up to RM20,000 per certificate year if SMART Hospital visit without clinic referral/specialist consultation (except emergency) or non-SMART provider treatment; deductible/co-takaful waived for emergency incl. accidents and Government healthcare facility treatment; optional rider attachable to regular contribution family takaful plan (e.g. A-Life Idaman); product page FAQ: entry age 14 days to 70 years (hero section states post-natal 14 days - 60 years), pre-natal 13-35 weeks gestation; coverage up to age 70 or 80 with automatic extension to 100; waiting periods, exclusions, renewal guarantee not stated in brochure (refer to Takaful Certificate); cashless at SMART Panel Hospitals; channel via AIA Life Planner (agent)", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "a-plus-health-360-i", "tier_name": "Plan 200 (Deductible RM500 with SMART Option per certificate year)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 500, "coinsurance_pct": 5, "coinsurance_cap_rm": 500, "copay": "RM500 deductible per certificate year (items 1-8); with SMART Option, RM500 deductible plus 20% co-takaful up to RM20,000 per certificate year applies if SMART Hospital visited/admitted without clinic referral and/or no specialist consultation (except emergency treatment) or treatment sought from non-SMART medical practitioner/provider; 5% co-takaful up to RM500 per certificate year (items 9-10); deductible/co-takaful not applicable to emergency treatment incl. accidents and Government healthcare facility treatment", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B and ICU no day limits; home nursing care up to RM3,000 per confinement (max 180 days lifetime); outpatient physiotherapy max 8 sessions within 60 days of specialist referral; outpatient kidney dialysis and cancer treatment as charged; emergency accidental outpatient treatment incl. dental and 30 days follow-up; post-hospitalisation 180 days (non-serious) / 365 days (serious); no-claim bonus RM1,000/year into Health Wallet (up to 10x); preferred panel bonus RM500/year (SMART Panel Hospital, up to 10x); primary care up to RM50/visit, 3 visits/year via Health Wallet; hospitalisation care benefit RM150-RM1,000 via AIA Vitality; R&B upgrade +50%/+100% via AIA Vitality; PMCM via Teladoc; at least 20% contribution discount vs plain RM500 deductible option", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/content/dam/my-wise/document/health-protection-takaful/A-Plus%20Health%20360-i_Brochure_Final.pdf", "exclusions": "not disclosed", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Official A-Plus Health 360-i brochure (0626, bilingual EN/BM) downloaded from product page https://www.aia.com.my/en/our-products/health-protection/medical-protection/a-plus-health360-i.html: 2 plans (Plan 200/Plan 300) x 2 cost saving options (RM500 deductible; RM500 deductible with SMART Option) emitted as separate objects per dataset convention; OAL RM1,500,000/RM3,000,000; lifetime limit No limit; R&B RM200/RM300 per day no day limit; ICU as charged no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious)/365 days (serious); day care procedure & surgery as charged; outpatient cancer & kidney dialysis as charged; 5% co-takaful up to RM500 per certificate year (items 9-10); SMART Option: RM500 deductible + 20% co-takaful up to RM20,000 per certificate year if SMART Hospital visit without clinic referral/specialist consultation (except emergency) or non-SMART provider treatment; deductible/co-takaful waived for emergency incl. accidents and Government healthcare facility treatment; optional rider attachable to regular contribution family takaful plan (e.g. A-Life Idaman); product page FAQ: entry age 14 days to 70 years (hero section states post-natal 14 days - 60 years), pre-natal 13-35 weeks gestation; coverage up to age 70 or 80 with automatic extension to 100; waiting periods, exclusions, renewal guarantee not stated in brochure (refer to Takaful Certificate); cashless at SMART Panel Hospitals; channel via AIA Life Planner (agent)", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "a-plus-health-360-i", "tier_name": "Plan 300 (Deductible RM500 per certificate year)", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 500, "coinsurance_pct": 5, "coinsurance_cap_rm": 500, "copay": "RM500 deductible per certificate year (items 1-8); 5% co-takaful per certificate year up to RM500 (items 9-10: outpatient illness treatment and outpatient physiotherapy); deductible and co-takaful not applicable to emergency treatment incl. accidents and treatment at Government healthcare facilities", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B and ICU no day limits; specified maternity complications up to RM10,000 lifetime; optical support (intraocular lens) up to RM7,000 lifetime; home nursing care up to RM6,000 per confinement (max 180 days lifetime); outpatient physiotherapy max 8 sessions within 60 days of specialist referral; outpatient kidney dialysis and cancer treatment as charged; emergency accidental outpatient treatment incl. dental and 30 days follow-up; post-hospitalisation 180 days (non-serious) / 365 days (serious); no-claim bonus RM2,500/year into Health Wallet (up to 10x); preferred panel bonus RM1,000/year (SMART Panel Hospital, up to 10x); prevention & primary care up to RM1,000 every 2 years (health screening, vaccination, GP visits RM50/visit max 3/year) via Health Wallet; healthy retirement bonus RM500-RM1,000/year transferable to Participant's Account Fund at age 60 or certificate year 10; hospitalisation care benefit RM150-RM1,000 via AIA Vitality; R&B upgrade +50%/+100% via AIA Vitality; mental health benefit up to RM1,500/year via Health Wallet; Protect Boost up to 2x basic sum covered; PMCM via Teladoc", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/content/dam/my-wise/document/health-protection-takaful/A-Plus%20Health%20360-i_Brochure_Final.pdf", "exclusions": "not disclosed", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Official A-Plus Health 360-i brochure (0626, bilingual EN/BM) downloaded from product page https://www.aia.com.my/en/our-products/health-protection/medical-protection/a-plus-health360-i.html: 2 plans (Plan 200/Plan 300) x 2 cost saving options (RM500 deductible; RM500 deductible with SMART Option) emitted as separate objects per dataset convention; OAL RM1,500,000/RM3,000,000; lifetime limit No limit; R&B RM200/RM300 per day no day limit; ICU as charged no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious)/365 days (serious); day care procedure & surgery as charged; outpatient cancer & kidney dialysis as charged; 5% co-takaful up to RM500 per certificate year (items 9-10); SMART Option: RM500 deductible + 20% co-takaful up to RM20,000 per certificate year if SMART Hospital visit without clinic referral/specialist consultation (except emergency) or non-SMART provider treatment; deductible/co-takaful waived for emergency incl. accidents and Government healthcare facility treatment; optional rider attachable to regular contribution family takaful plan (e.g. A-Life Idaman); product page FAQ: entry age 14 days to 70 years (hero section states post-natal 14 days - 60 years), pre-natal 13-35 weeks gestation; coverage up to age 70 or 80 with automatic extension to 100; waiting periods, exclusions, renewal guarantee not stated in brochure (refer to Takaful Certificate); cashless at SMART Panel Hospitals; channel via AIA Life Planner (agent)", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "a-plus-health-360-i", "tier_name": "Plan 300 (Deductible RM500 with SMART Option per certificate year)", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 500, "coinsurance_pct": 5, "coinsurance_cap_rm": 500, "copay": "RM500 deductible per certificate year (items 1-8); with SMART Option, RM500 deductible plus 20% co-takaful up to RM20,000 per certificate year applies if SMART Hospital visited/admitted without clinic referral and/or no specialist consultation (except emergency treatment) or treatment sought from non-SMART medical practitioner/provider; 5% co-takaful up to RM500 per certificate year (items 9-10); deductible/co-takaful not applicable to emergency treatment incl. accidents and Government healthcare facility treatment", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B and ICU no day limits; specified maternity complications up to RM10,000 lifetime; optical support (intraocular lens) up to RM7,000 lifetime; home nursing care up to RM6,000 per confinement (max 180 days lifetime); outpatient physiotherapy max 8 sessions within 60 days of specialist referral; outpatient kidney dialysis and cancer treatment as charged; emergency accidental outpatient treatment incl. dental and 30 days follow-up; post-hospitalisation 180 days (non-serious) / 365 days (serious); no-claim bonus RM2,500/year into Health Wallet (up to 10x); preferred panel bonus RM1,000/year (SMART Panel Hospital, up to 10x); prevention & primary care up to RM1,000 every 2 years (health screening, vaccination, GP visits RM50/visit max 3/year) via Health Wallet; healthy retirement bonus RM500-RM1,000/year transferable to Participant's Account Fund at age 60 or certificate year 10; hospitalisation care benefit RM150-RM1,000 via AIA Vitality; R&B upgrade +50%/+100% via AIA Vitality; mental health benefit up to RM1,500/year via Health Wallet; Protect Boost up to 2x basic sum covered; PMCM via Teladoc; at least 20% contribution discount vs plain RM500 deductible option", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.aia.com.my/content/dam/my-wise/document/health-protection-takaful/A-Plus%20Health%20360-i_Brochure_Final.pdf", "exclusions": "not disclosed", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Official A-Plus Health 360-i brochure (0626, bilingual EN/BM) downloaded from product page https://www.aia.com.my/en/our-products/health-protection/medical-protection/a-plus-health360-i.html: 2 plans (Plan 200/Plan 300) x 2 cost saving options (RM500 deductible; RM500 deductible with SMART Option) emitted as separate objects per dataset convention; OAL RM1,500,000/RM3,000,000; lifetime limit No limit; R&B RM200/RM300 per day no day limit; ICU as charged no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious)/365 days (serious); day care procedure & surgery as charged; outpatient cancer & kidney dialysis as charged; 5% co-takaful up to RM500 per certificate year (items 9-10); SMART Option: RM500 deductible + 20% co-takaful up to RM20,000 per certificate year if SMART Hospital visit without clinic referral/specialist consultation (except emergency) or non-SMART provider treatment; deductible/co-takaful waived for emergency incl. accidents and Government healthcare facility treatment; optional rider attachable to regular contribution family takaful plan (e.g. A-Life Idaman); product page FAQ: entry age 14 days to 70 years (hero section states post-natal 14 days - 60 years), pre-natal 13-35 weeks gestation; coverage up to age 70 or 80 with automatic extension to 100; waiting periods, exclusions, renewal guarantee not stated in brochure (refer to Takaful Certificate); cashless at SMART Panel Hospitals; channel via AIA Life Planner (agent)", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "i-am-care", "tier_name": "Plan 200", "annual_limit_rm": 100000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 500, "coinsurance_pct": 20, "coinsurance_cap_rm": null, "copay": "RM500 deductible per certificate year (not applicable to items 12/17/18, emergency treatment incl. accidents, and any medical treatment in Malaysian Government hospitals); no co-takaful if staying at eligible room & board; if staying at higher room & board than entitlement, bear the excess R&B rate plus 20% of other eligible benefits/expenses", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/60", "cancer_rider": "yes", "entry_age_max": 50, "sub_limits": "R&B max 150 days; ICU RM300/day max 75 days; pre-hospital diagnostic & specialist consultation within 60 days prior to admission/surgery; post-hospital follow-up within 60 days of discharge; second surgical opinion within 60 days prior to surgery; in-hospital physician visit max 2/day; emergency accidental outpatient treatment RM2,000 (max 31 days follow-up); outpatient physiotherapy within 90 days of discharge; outpatient cancer treatment RM40,000 per annum; outpatient kidney dialysis RM40,000 per annum; organ transplant RM75,000 once per lifetime; medical record fees RM80; overseas coverage for travel/residence outside Malaysia up to 90 consecutive days; pay first, claim later basis (cashless via CompuMed panel hospitals with guarantee letter)", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.ammetlifetakaful.com/Products/Category/Health/i-Am-Care.aspx", "exclusions": "Pre-existing conditions; specified illnesses (hypertension, diabetes mellitus, cardiovascular disease, all tumours/cancers/cysts/nodules/polyps, urinary & biliary stones, ENT conditions, hernias, haemorrhoids, fistulae, hydrocele, varicocele, endometriosis/female reproductive diseases, vertebro-spinal & knee conditions) within first 120 days; conditions within first 30 days (except accidents); plastic/cosmetic surgery, circumcision, eye examination/glasses/LASIK, external prosthetic devices (artificial limbs, hearing aids, pacemakers); dental except accidental injury to sound natural teeth; private nursing, rest cures, illegal drugs, sterilization, venereal disease, AIDS/HIV, communicable diseases requiring quarantine; congenital abnormalities/hereditary conditions; pregnancy/childbirth/miscarriage/abortion, contraception, infertility, erectile dysfunction; investigatory hospitalisation, preventive treatment, weight reduction; suicide/self-inflicted injury; war/terrorism/riots/civil commotion; nuclear radiation; organ donation costs; sleep/snoring disorders, hormone replacement therapy, alternative therapy (chiropractic, acupuncture, reflexology, massage etc.); treatment payable by other takaful or workman's compensation; psychotic/mental/nervous disorders; non-medical services (TV, telephone etc.); racing/hazardous sports, professional sports, illegal activities; private flying; gender reassignment; non-medically necessary treatment", "entry_age_min": 18, "renew_age_max": 55, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "AmMetLife Takaful i-Am Care product page + PDS (ENG, 6pp) + FAQ (6pp) + Takaful Certificate (22pp) + Schedule of Contribution (2pp) downloaded from ammetlifetakaful.com: single plan (Plan 200, RM200 R&B); OAL RM100,000; lifetime limit Unlimited; RM500 deductible per certificate year (waived for items 12/17/18, emergency incl. accidents, Malaysian Government hospital treatment); no co-takaful at eligible R&B, 20% co-takaful on other benefits if staying at higher R&B; R&B max 150 days, ICU RM300/day max 75 days; pre/post hospital 60/60 days; outpatient cancer & kidney dialysis RM40,000/yr each; organ transplant RM75,000 once per lifetime; entry age 18-50 next birthday, covered up to age 55 next birthday; guaranteed yearly renewal (contributions not guaranteed, 30 days notice); waiting 30 days general / 120 days specified illnesses / none for accidents; pre-existing conditions excluded; pay first claim later, cashless via CompuMed panel hospitals; direct/online channel (agent commission RM0 per PDS); wakalah fee RM5 + 25% of contribution; PIDM protected", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "ikhlas-basic-term-takaful", "tier_name": "IKHLAS Basic Term Takaful", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "no", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 20, "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/protection/product/ikhlas-basic-term-takaful", "exclusions": "Suicide (sane or insane) within 12 months of certificate date or reinstatement date, whichever is later; TPD caused by drug abuse or under influence of alcohol. List non-exhaustive; refer to takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Pure term takaful, 20-year level cover, commission-free with no surrender value/refund. Pays lump sum death and TPD benefit (100% of basic sum covered), plus additional 100% of sum covered on accidental death or accidental TPD, and additional 50% (max RM100,000) if death due to dengue. PDS illustration: RM500,000 sum covered, healthy 30-year-old male, RM2,035/year, contribution payable until age 50. Shariah concepts: Tabarru' and Wakalah. Fees: stamp duty RM10, wakalah fee 14.4%, reinstatement fee RM15, certificate charge RM4-RM48 by mode. Grace period 31 days, cooling-off 15 days. PDS dated 13/08/2026; company named in PDS is Takaful Ikhlas Family Berhad.", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ikhlas-value-term-takaful", "tier_name": "IKHLAS Value Term Takaful", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "no", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 20, "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/protection/product/ikhlas-value-term-takaful", "exclusions": "Death benefit not payable for suicide (sane or insane) within 12 months of certificate commencement or reinstatement date, whichever is later; TPD benefit not payable if caused by drug abuse or under influence of alcohol. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Level term takaful with 20-year protection paying lump sum death and TPD benefit. PDS illustration: RM500,000 sum covered, healthy 30-year-old male, RM1,325/year, contribution payable until age 50. Shariah: Tabarru' and Wakalah. Stamp duty RM10; wakalah fee 43.6% of contribution; reinstatement fee RM15; no surrender value (no amount payable on surrender). Grace period 31 days; cooling-off 15 days. Company named in PDS is Takaful Ikhlas Family Berhad.", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ikhlas-preferred-term-takaful", "tier_name": "IKHLAS Preferred Term Takaful", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "36 critical illnesses (CI) covered as part of the plan; CI benefit not payable if the person covered breaches any law or suffers any assault provoked by him.", "waiver_rider": "not disclosed", "policy_term_years": 20, "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/protection/product/ikhlas-preferred-term-takaful", "exclusions": "Suicide (sane or insane) within 12 months of certificate commencement or reinstatement; TPD caused by drug abuse or under influence of alcohol; CI benefit not payable for breach of law or provoked assault. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "20-year term takaful covering death, TPD and any one of 36 critical illnesses (CI), each paying the sum covered. PDS illustration: RM500,000 sum covered, healthy 30-year-old male, RM2,597/year, contribution until age 50. Shariah: Tabarru' and Wakalah; stamp duty RM10; wakalah fee 43.6% of contribution; reinstatement fee RM15; no surrender value. Grace period 31 days; cooling-off 15 days. Company named in PDS is Takaful Ikhlas Family Berhad.", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ikhlas-bersama", "tier_name": "IKHLAS Bersama", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 40, "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/protection/product/ikhlas-bersama", "exclusions": "Death benefit not payable for suicide (sane or insane) within 12 months of certificate commencement date or reinstatement date, whichever is later. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "30 days", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Endowment (hibah & protection) takaful with 40-year protection; pays sum covered plus participant's individual fund (PIF) on death; optional riders attachable with additional tabru' deducted from PIF. Website: eligibility 30 days to 70 years (age next birthday); apply via Takaful IKHLAS agents; accelerated death expense of 10% basic sum covered up to RM20,000; death benefit of balance of sum covered + savings; riders, top-up (regular/ad-hoc), partial withdrawal and maturity benefit. PDS illustration: RM500,000, healthy 30-year-old male, RM3,162/year, contribution until age 70. Fees: wakalah 9% of contribution, certificate charge RM4-RM5/month, partial withdrawal RM50, surrender fee RM50, reinstatement RM15, surplus administration charge 50% of gross surplus, investment performance fee 30% of PIF income. Company named in PDS is Takaful Ikhlas Family Berhad.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ikhlas-impianku", "tier_name": "IKHLAS Impianku", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 30, "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/saving/product/ikhlas-impianku", "exclusions": "Suicide (sane or insane) within 12 months of certificate commencement or reinstatement; TPD benefit not payable if the person was diagnosed or had pre-existing disabilities, illnesses or injuries prior to or at entry date or any reinstatement date; accidental death benefit not payable for accidents occurring while affected by alcohol beyond the permitted limit or non-prescribed drugs. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Endowment combining protection and savings with 30-year cover. Death benefit 200% of basic sum covered + PIF; accidental death benefit additional (100% SC? shown as RM500,000 additional); TPD 200% of sum covered + PIF; Impian Benefit paid every 2 years: 5% of sum covered at cert years 2-20, 25% at years 22-28, 80% at year 30; maturity benefit 100% of sum covered + PIF. PDS illustration (Plan 20Pay30): RM250,000 sum covered, healthy 30-year-old male, contribution until age 30. Fees: wakalah 17.8% of contribution; certificate charge RM4-RM5/month; partial withdrawal RM50; surrender RM100; surplus performance incentive 50%; investment performance fee 30% of PIF income. PIF used to pay dues if contributions missed; grace 31 days. Company named in PDS is Takaful Ikhlas Family Berhad.", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ikhlas-ilhamku", "tier_name": "IKHLAS Ilhamku", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "yes", "policy_term_years": 15, "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/saving/product/ikhlas-ilhamku", "exclusions": "Death benefit not payable for suicide (sane or insane) within 12 months of the certificate date or reinstatement date, whichever is later. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Endowment takaful with 15-year protection designed for education planning (PDS illustration based on a healthy 10-year-old male, RM150,000 sum covered). Death benefit = sum covered + PIF (if any); Excellent Reward benefit (education RM1,000; Quran-related study RM1,500; skill-based RM1,000); Special Payout RM150 or 10% of PIF value whichever higher; Fund Value Payout RM5,000 on certificate anniversary when covered person's age next birthday (ANB) is 25; Simple Payor Rider (waiver-style rider; details in benefit illustration). Contribution duration until age 25 in the illustration. Fees: wakalah 29.7%; certificate charge RM8-RM10/month; partial withdrawal RM50; surrender RM100; reinstatement RM15; surplus administration 50%; investment performance fee 30% of PIF income. Grace 31 days. Company named in PDS is Takaful Ikhlas Family Berhad.", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ikhlas-dariku", "tier_name": "IKHLAS Dariku", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 40, "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/protection/product/ikhlas-dariku", "exclusions": "Death benefit not payable for suicide (sane or insane) within 12 months of certificate commencement or reinstatement; additional death benefit for cancer not payable for death from pre-existing conditions arising before the certificate/reinstatement date; additional death benefit for accident not payable if death is directly or indirectly due to violation of law or resisting arrest. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Endowment takaful with 40-year protection; death benefit = sum covered + PIF. Additional death benefit payouts: death due to cancer RM500,000; death due to accident RM1,000,000; death while performing hajj or umrah RM1,500,000. Cash reward RM200 payable when the person covered achieves covered life events. PDS illustration: RM500,000 sum covered, healthy 30-year-old male, contribution until age 70. Fees: wakalah 9%; certificate charge RM4-RM5/month; partial withdrawal RM50; surrender RM50; reinstatement RM15; surplus administration 50%; investment performance fee 30% of PIF income; stamp duty N/A. Grace 31 days; cooling-off 15 days. Company named in PDS is Takaful Ikhlas Family Berhad.", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ikhlas-savings-prime-takaful", "tier_name": "IKHLAS Savings Prime Takaful", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": null, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": 40, "verified_at": "2026-08-26", "source_url": "https://www.takaful-ikhlas.com.my/category/saving/product/ikhlas-savings-prime-takaful", "exclusions": "Death benefit not payable for suicide (sane or insane) within 12 months of certificate commencement or reinstatement date; TPD benefit not payable if caused by drug abuse or under influence of alcohol. List non-exhaustive; refer to the takaful certificate.", "entry_age_min": "not disclosed", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Endowment combining protection and savings, 40-year cover; death benefit = sum covered + PIF; TPD benefit = sum covered + PIF. Additional death benefit RM500,000 if death by accident while travelling in a public conveyance or as victim of an act of crime; additional TPD benefit RM500,000 for the same accidental causes. PDS illustration: RM500,000 sum covered, healthy 30-year-old male, contribution until age 70. Fees: wakalah 21.3%; certificate charge RM6/month (all modes); stamp duty N/A; partial withdrawal RM50; surrender RM50; reinstatement RM15; surplus administration 50%; investment performance fee 30% of PIF income. Grace 31 days; cooling-off 15 days. Company named in PDS is Takaful Ikhlas Family Berhad.", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "ikhlas-medik", "tier_name": "Plan 150", "annual_limit_rm": 250000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "Deductible option RM500 or RM10,000 per takaful certificate year; waived for emergency treatment (incl. accidents), outpatient follow-up for critical illnesses (cancer/kidney dialysis) and treatment at government healthcare facilities", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "ICU as charged (no day limit); R&B no day limit; govt hospital daily cash allowance RM150/day (no day limit); outpatient physiotherapy/acupuncture/cupping RM1,500 per disability; outpatient cancer treatment RM500,000 per lifetime and kidney dialysis on top of overall annual limit; chemotherapy/radiotherapy/dialysis allowance RM100/day (max RM1,000/yr, RM10,000 lifetime); nursing at home RM120/day (max 60 days/yr); organ transplant as charged once per lifetime; intraocular lens up to RM4,000/eye (RM8,000 lifetime); lump sum cancer RM10,000 and kidney dialysis RM10,000 on first diagnosis; medical report max RM100; 50% refund of unutilised R&B (min RM50, max RM5,000/yr); no-claims reward +10% of R&B and annual limit every 2 years (max 200% of initial)", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.takaful-ikhlas.com.my/category/health-medical-takaful/product/ikhlas-medik", "exclusions": "not disclosed (flyer refers to PDS and takaful certificate for full terms)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Official IKHLAS Medik flyer ENG v1.1 PDF (api/uploads/IKHLAS_Medik_Flyers_v1_1_ENG_de151aa80b.pdf) schedule of benefits + product page (entry age 30 days to 70 ANB, agent channel). Waiting periods not stated in flyer; PDS not published on site.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "lifetime" }, { "product": "ikhlas-medik", "tier_name": "Plan 250", "annual_limit_rm": 500000, "lifetime_limit": "unlimited", "room_board_rm": 250, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "Deductible option RM500 or RM10,000 per takaful certificate year; waived for emergency treatment (incl. accidents), outpatient follow-up for critical illnesses (cancer/kidney dialysis) and treatment at government healthcare facilities", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "ICU as charged (no day limit); R&B no day limit; govt hospital daily cash allowance RM250/day (no day limit); outpatient physiotherapy/acupuncture/cupping RM2,000 per disability; outpatient cancer treatment RM500,000 per lifetime and kidney dialysis on top of overall annual limit; chemotherapy/radiotherapy/dialysis allowance RM100/day (max RM1,000/yr, RM10,000 lifetime); nursing at home RM120/day (max 60 days/yr); organ transplant as charged once per lifetime; intraocular lens up to RM4,000/eye (RM8,000 lifetime); lump sum cancer RM10,000 and kidney dialysis RM10,000 on first diagnosis; medical report max RM100; 50% refund of unutilised R&B (min RM50, max RM5,000/yr); no-claims reward +10% of R&B and annual limit every 2 years (max 200% of initial)", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.takaful-ikhlas.com.my/category/health-medical-takaful/product/ikhlas-medik", "exclusions": "not disclosed (flyer refers to PDS and takaful certificate for full terms)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Official IKHLAS Medik flyer ENG v1.1 PDF (api/uploads/IKHLAS_Medik_Flyers_v1_1_ENG_de151aa80b.pdf) schedule of benefits + product page (entry age 30 days to 70 ANB, agent channel). Waiting periods not stated in flyer; PDS not published on site.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "lifetime" }, { "product": "ikhlas-medik", "tier_name": "Plan 500", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "Deductible option RM500 or RM10,000 per takaful certificate year; waived for emergency treatment (incl. accidents), outpatient follow-up for critical illnesses (cancer/kidney dialysis) and treatment at government healthcare facilities", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 70, "sub_limits": "ICU as charged (no day limit); R&B no day limit; govt hospital daily cash allowance RM500/day (no day limit); outpatient physiotherapy/acupuncture/cupping RM3,000 per disability; outpatient cancer treatment RM500,000 per lifetime and kidney dialysis on top of overall annual limit; chemotherapy/radiotherapy/dialysis allowance RM100/day (max RM1,000/yr, RM10,000 lifetime); nursing at home RM120/day (max 60 days/yr); organ transplant as charged once per lifetime; intraocular lens up to RM4,000/eye (RM8,000 lifetime); lump sum cancer RM10,000 and kidney dialysis RM10,000 on first diagnosis; medical report max RM100; 50% refund of unutilised R&B (min RM50, max RM5,000/yr); no-claims reward +10% of R&B and annual limit every 2 years (max 200% of initial)", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.takaful-ikhlas.com.my/category/health-medical-takaful/product/ikhlas-medik", "exclusions": "not disclosed (flyer refers to PDS and takaful certificate for full terms)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": "not disclosed", "waiting_specified_days": "not disclosed", "waiting_pre_existing_days": "n/a", "source_detail": "Official IKHLAS Medik flyer ENG v1.1 PDF (api/uploads/IKHLAS_Medik_Flyers_v1_1_ENG_de151aa80b.pdf) schedule of benefits + product page (entry age 30 days to 70 ANB, agent channel). Waiting periods not stated in flyer; PDS not published on site.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "lifetime" }, { "product": "tmkl-medikad", "tier_name": "Standard", "annual_limit_rm": 550000, "lifetime_limit": "unlimited", "room_board_rm": 100, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "Deductible options: Full Protection (no deductible), RM2,000 or RM3,000 per disability; deductible waived at government hospitals and for R&B, govt hospital cash allowance, emergency accident outpatient, outpatient cancer, outpatient kidney dialysis and emergency treatment", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 69, "sub_limits": "ICU max 60 days per disability (then R&B rate applies); R&B no day limit; govt hospital daily cash allowance RM100/day (no day limit); pre-hospital 60 days / post-hospital 90 days; emergency accident outpatient max 60 days from accident; outpatient cancer and kidney dialysis as charged; annual limit RM550,000 covers Sections A & B; optional MediBooster rider top-up (annual limit up to RM1.1m)", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://kaotim.my/bm/product/medikad", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days of continuous cover; conditions within first 30 days (except accident injuries); pregnancy/childbirth; experimental or investigative treatment", "entry_age_min": 19, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official PDS BM (wp-content/uploads/2026/08/PDS-MediKad-BM-29072026.pdf, template with placeholders) + Sijil/CW BM (CW-Medikad-BM-20260330.pdf) benefit schedule: Standard/Pro/Max R&B 100/150/200, annual limit 550k/825k/1.1m; waiting 30/120 days; cover to 85 ANB; entry 19-69 ANB per FAQ; renewal guaranteed, contribution not guaranteed; cashless via panel", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "tmkl-medikad", "tier_name": "Pro", "annual_limit_rm": 825000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "Deductible options: Full Protection (no deductible), RM2,000 or RM3,000 per disability; deductible waived at government hospitals and for R&B, govt hospital cash allowance, emergency accident outpatient, outpatient cancer, outpatient kidney dialysis and emergency treatment", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 69, "sub_limits": "ICU max 60 days per disability (then R&B rate applies); R&B no day limit; govt hospital daily cash allowance RM100/day (no day limit); pre-hospital 60 days / post-hospital 90 days; emergency accident outpatient max 60 days from accident; outpatient cancer and kidney dialysis as charged; annual limit RM825,000 covers Sections A & B; optional MediBooster rider top-up (annual limit up to RM1.1m)", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://kaotim.my/bm/product/medikad", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days of continuous cover; conditions within first 30 days (except accident injuries); pregnancy/childbirth; experimental or investigative treatment", "entry_age_min": 19, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official PDS BM (wp-content/uploads/2026/08/PDS-MediKad-BM-29072026.pdf, template with placeholders) + Sijil/CW BM (CW-Medikad-BM-20260330.pdf) benefit schedule: Standard/Pro/Max R&B 100/150/200, annual limit 550k/825k/1.1m; waiting 30/120 days; cover to 85 ANB; entry 19-69 ANB per FAQ; renewal guaranteed, contribution not guaranteed; cashless via panel", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "tmkl-medikad", "tier_name": "Max", "annual_limit_rm": 1100000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": "Deductible options: Full Protection (no deductible), RM2,000 or RM3,000 per disability; deductible waived at government hospitals and for R&B, govt hospital cash allowance, emergency accident outpatient, outpatient cancer, outpatient kidney dialysis and emergency treatment", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "no", "entry_age_max": 69, "sub_limits": "ICU max 60 days per disability (then R&B rate applies); R&B no day limit; govt hospital daily cash allowance RM100/day (no day limit); pre-hospital 60 days / post-hospital 90 days; emergency accident outpatient max 60 days from accident; outpatient cancer and kidney dialysis as charged; annual limit RM1,100,000 covers Sections A & B; optional MediBooster rider top-up (annual limit up to RM1.1m)", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://kaotim.my/bm/product/medikad", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days of continuous cover; conditions within first 30 days (except accident injuries); pregnancy/childbirth; experimental or investigative treatment", "entry_age_min": 19, "renew_age_max": 85, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official PDS BM (wp-content/uploads/2026/08/PDS-MediKad-BM-29072026.pdf, template with placeholders) + Sijil/CW BM (CW-Medikad-BM-20260330.pdf) benefit schedule: Standard/Pro/Max R&B 100/150/200, annual limit 550k/825k/1.1m; waiting 30/120 days; cover to 85 ANB; entry 19-69 ANB per FAQ; renewal guaranteed, contribution not guaranteed; cashless via panel", "guaranteed_renewable": "yes", "channel": "online", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "tmkl-kaotim-legasi", "tier_name": "Kaotim Legasi", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Optional critical illness protection (income replacement when unable to work due to CI)", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.takaful-malaysia.com.my/products/kaotim-legasi/", "exclusions": "not disclosed", "entry_age_min": "5 (child); 19 (self)", "renew_age_max": "not disclosed", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Online term family takaful (Kaotim platform, Takaful Malaysia). Instant approval, no medical check-up, online underwriting questions. Critical illness coverage option providing income replacement. Fixed contribution throughout certificate term. Tax relief up to RM3,000 for family takaful. Eligibility: Malaysian 19-70 ANB (self), or parent applying for child 5-18 ANB.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "tmkl-takaful-malaysia-budi", "tier_name": "Takaful Malaysia Budi", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Critical illness coverage included in comprehensive protection", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://www.takaful-malaysia.com.my/products/takaful-malaysia-budi/", "exclusions": "not disclosed", "entry_age_min": "14 days", "renew_age_max": "Coverage options to age 25, 60, 70 or 99", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Comprehensive and flexible family takaful. Protection against death, total and permanent disability (TPD), critical illness, medical, savings and more. 10 additional covers to choose. Hibah nomination for death benefit. Income replacement. Investment top-ups anytime. Academic rewards for children. Eligibility: 14 days to 70 years (19+ for spouse/child). Coverage to age 25, 60, 70 or 80 depending on plan.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "tmkl-takaful-myci-cover", "tier_name": "Takaful myCI Cover", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 45, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "RM50,000 - RM300,000 (multiples of RM10,000)", "ci_rider": "yes", "ci_conditions": "39 critical illnesses (standalone CI cover; early-stage cancer excluded; coronary angioplasty RM10,000 only)", "waiver_rider": "no", "policy_term_years": 20, "verified_at": "2026-08-26", "source_url": "https://www.takaful-malaysia.com.my/products/takaful-myci-cover/", "exclusions": "Pre-existing conditions; conditions diagnosed during waiting period; nuclear/radiation; alcohol/drug-induced; self-inflicted injuries", "entry_age_min": "19", "renew_age_max": null, "waiting_general_days": null, "waiting_specified_days": 60, "waiting_pre_existing_days": null, "source_detail": "20-year critical illness takaful: lump sum on diagnosis/surgery of any of 39 covered CIs (must survive 30 days after diagnosis). Coronary angioplasty/invasive treatment pays RM10,000 and reduces cover (does not terminate plan). 60-day waiting period for cancer, heart attack, coronary bypass. No medical check-up. Shariah concepts: Tabarru, Wakalah, Qard. Illustrative: 30yo male RM899/yr for RM100k.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "imediguard", "tier_name": "Plan 150A (Saver 500)", "annual_limit_rm": 500000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 150A (Co-Saver 10%)", "annual_limit_rm": 500000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": "n/a", "coinsurance_pct": 10, "coinsurance_cap_rm": 3000, "copay": "Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 150B (Saver 500)", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 150B (Co-Saver 10%)", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": "n/a", "coinsurance_pct": 10, "coinsurance_cap_rm": 3000, "copay": "Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 150B (SaverPro 2,500)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 2500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM2,500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 150B (SaverPro 5,000)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 150, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM5,000 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 200 (Saver 500)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 200 (Co-Saver 10%)", "annual_limit_rm": 1500000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": "n/a", "coinsurance_pct": 10, "coinsurance_cap_rm": 3000, "copay": "Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 200 (SaverPro 2,500)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 2500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM2,500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 200 (SaverPro 5,000)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM5,000 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 200 (SaverPro 20,000)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 20000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM20,000 per policy year; co-payment applies to emergency treatment; not applicable to Malaysian government hospital treatment, outpatient care and additional care benefits; one-time conversion to a lower deductible option at attained age 55 (effective at age 60)", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 200 (SaverPro 20,000 with Retirement)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 200, "deductible_rm": 20000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM20,000 per policy year; co-payment applies to emergency treatment; not applicable to Malaysian government hospital treatment, outpatient care and additional care benefits; auto-converts to SaverPro 2,500 (RM2,500 deductible) at attained age 60", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 55, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 300 (Saver 500)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 300 (Co-Saver 10%)", "annual_limit_rm": 2000000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": "n/a", "coinsurance_pct": 10, "coinsurance_cap_rm": 3000, "copay": "Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 300 (SaverPro 2,500)", "annual_limit_rm": 2500000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 2500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM2,500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 300 (SaverPro 5,000)", "annual_limit_rm": 2500000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM5,000 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 300 (SaverPro 20,000)", "annual_limit_rm": 2500000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 20000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM20,000 per policy year; co-payment applies to emergency treatment; not applicable to Malaysian government hospital treatment, outpatient care and additional care benefits; one-time conversion to a lower deductible option at attained age 55 (effective at age 60)", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 300 (SaverPro 20,000 with Retirement)", "annual_limit_rm": 2500000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": 20000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM20,000 per policy year; co-payment applies to emergency treatment; not applicable to Malaysian government hospital treatment, outpatient care and additional care benefits; auto-converts to SaverPro 2,500 (RM2,500 deductible) at attained age 60", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 55, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 500 (Saver 500)", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "imediguard", "tier_name": "Plan 500 (Co-Saver 10%)", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": "n/a", "coinsurance_pct": 10, "coinsurance_cap_rm": 3000, "copay": "Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 180 days per disability per policy year (Saver Series) or 365 days (SaverPro Series); ICU same day limits; pre-hosp treatment up to RM500-RM3,000; post-hosp alternative treatment RM200-RM500/visit up to RM4,000-RM10,000 per lifetime; outpatient infectious disease up to RM1,000-RM3,000 per policy year; alternative cancer treatment RM2,000-RM5,000/month payable 12 months (claimable 2x per lifetime); home nursing up to RM4,500 per disability (Saver) or as charged (SaverPro), max 240 days/lifetime; intraocular lens up to RM8,000-RM10,000 per lifetime; govt hospital daily cash RM150-RM500/day max 150 days; pregnancy complication RM5,000 once per lifetime; new born reward RM500-RM1,000 once per lifetime; medical report up to RM50; lodger up to RM150/day max 180 days", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses occurring during the first 120 days of continuous cover; any medical or physical conditions arising within the first 30 days (except accidental injuries); non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "icareguard", "tier_name": "RM500,000 (Rider Sum Assured)", "annual_limit_rm": 500000, "lifetime_limit": "n/a", "room_board_rm": "n/a", "deductible_rm": "n/a", "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "n/a", "icu_benefit": "yes", "day_surgery": "not disclosed", "outpatient": "not disclosed", "pre_post_hospital_days": "n/a", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "ICU admission benefit 30%/50%/100% of Rider Sum Assured for 5-9/10-14/15+ days with essential life support; hospital admission benefit 100% of RSA for 20+ consecutive days with surgical procedure; health reward 15%/25%/40% of insurance charges at 10th/20th/30th rider year (RSA RM100,000 and above only)", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; non-exhaustive (see policy contract)", "entry_age_min": "not disclosed", "renew_age_max": 60, "waiting_general_days": 30, "waiting_specified_days": 60, "waiting_pre_existing_days": "n/a", "source_detail": "iCareGuard PDS (icareguard_pds_en.txt): unit-deducting rider, coverage up to age 60 next birthday, 30-year rider term; Critical Illness RM500,000; Admission Events RM500,000 (max RM500,000 per life); ICU admission 30%/50%/100% of Rider Sum Assured for 5-9/10-14/15+ days with essential life support; hospital admission 100% of RSA for 20+ consecutive days with surgical procedure; waiting 60 days (cancer, CABG, heart attack, serious coronary artery disease, angioplasty), 30 days (other CI and admission events); claims reduce Death/TPD benefit of basic policy proportionately; no premiums payable (unit-deducting)", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "not disclosed" }, { "product": "icareguard-plus", "tier_name": "RM500,000 (Rider Sum Assured)", "annual_limit_rm": 500000, "lifetime_limit": "n/a", "room_board_rm": "n/a", "deductible_rm": "n/a", "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "n/a", "icu_benefit": "yes", "day_surgery": "not disclosed", "outpatient": "not disclosed", "pre_post_hospital_days": "n/a", "cancer_rider": "yes", "entry_age_max": null, "sub_limits": "ICU admission benefit 30%/50%/100% of Rider Sum Assured for 5-9/10-14/15+ days with essential life support; hospital admission benefit 100% of RSA for 20+ consecutive days with surgical procedure; health reward 15%/25%/40% of insurance charges at 10th/20th/30th rider year (RSA RM100,000 and above only)", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; non-exhaustive (see policy contract)", "entry_age_min": "not disclosed", "renew_age_max": 60, "waiting_general_days": 30, "waiting_specified_days": 60, "waiting_pre_existing_days": "n/a", "source_detail": "iCareGuard Plus PDS (icareguard_plus_pds_en.txt): unit-deducting rider, coverage up to age 60 next birthday, 30-year rider term; Critical Illness RM500,000; Admission Events RM500,000 (max RM500,000 per life); ICU admission 30%/50%/100% of Rider Sum Assured for 5-9/10-14/15+ days with essential life support; hospital admission 100% of RSA for 20+ consecutive days with surgical procedure; waiting 60 days (cancer, CABG, heart attack, serious coronary artery disease, angioplasty), 30 days (other CI and admission events); no premiums payable (unit-deducting)", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "not disclosed" }, { "product": "medicdefender", "tier_name": "Plan 1", "annual_limit_rm": null, "lifetime_limit": "n/a", "room_board_rm": 80, "deductible_rm": "n/a", "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "n/a", "icu_benefit": "yes", "day_surgery": "not disclosed", "outpatient": "not disclosed", "pre_post_hospital_days": "n/a", "cancer_rider": "not disclosed", "entry_age_max": null, "sub_limits": "Daily hospitalisation income RM80/day normal ward (max 45 days/policy year), RM160/day ICU (max 30 days/policy year), RM240/day overseas (max 15 days/policy year); ambulance fee reimbursement RM200/year; overseas repatriation up to RM10,000; healthy reward 25% of total premiums paid at end of 10-year term less any claims paid", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses within first 120 days; any medical or physical conditions arising prior or within the waiting period (except accidental injuries); plastic/cosmetic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; nuclear; organ donation; alternative therapy; non-exhaustive (see policy contract)", "entry_age_min": "not disclosed", "renew_age_max": "not disclosed", "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "TokioMarine-MedicDefender PDS (medicdefender_pds_en.txt): standalone 10-year term hospitalisation income plan, Plan 1; daily hospitalisation income RM80/day normal ward (max 45 days/policy year), RM160/day ICU (max 30 days/policy year), RM240/day overseas (max 15 days/policy year); ambulance fee reimbursement RM200/year; overseas repatriation up to RM10,000; healthy reward 25% of total premiums paid at end of term less claims paid; premium RM162.00 annually (illustration); waiting 30 days (except accidents), 120 days specified illnesses; premium rate non-guaranteed", "guaranteed_renewable": "not disclosed", "channel": "not disclosed", "panel_cashless": "not disclosed", "per_disability_vs_lifetime": "not disclosed" }, { "product": "medsecure", "tier_name": "Plan 100 (Deductible RM2,500)", "annual_limit_rm": 100000, "lifetime_limit": "RM1,000,000", "room_board_rm": 100, "deductible_rm": 2500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM2,500 per policy year (applicable to benefits 1-11); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 98, "sub_limits": "R&B max 150 days per disability per policy year; ICU max 150 days; pre-hosp treatment up to RM500; outpatient kidney dialysis RM15,000 (Plan 100)/RM300,000 (Plan 150) per policy year; outpatient cancer treatment RM30,000 (Plan 100)/RM300,000 (Plan 150) per policy year; home nursing up to RM4,500 per disability (max 240 days/lifetime); intraocular lens up to RM8,000 per lifetime; govt hospital daily cash RM150/day (max 150 days/policy year); medical report up to RM50; lodger up to RM150/day (max 150 days); 20% no claim discount", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses (hypertension, diabetes mellitus, cardiovascular disease, tumours/cancers/cysts/nodules/polyps/stones, ENT conditions, hernias/haemorrhoids/fistulae/hydrocele/varicocele, endometriosis, vertebro-spinal and knee conditions) within 120 days; conditions within 30 days except accidental injuries; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; nuclear; organ donation; alternative therapy; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 99, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "TokioMarine-MedSecure PDS (medsecure_pds_en.txt) + brochure (medsecure_brochure.txt): standalone yearly renewable medical plan, 2 plans (100/150) x 2 deductible options (RM2,500/RM5,000); OAL RM100,000/RM500,000; lifetime limit RM1,000,000/RM5,000,000; R&B RM100/RM150 per day max 150 days per disability per policy year; pre-hosp 60 days, post-hosp 90 days; outpatient cancer RM30,000/RM300,000 per policy year; outpatient kidney dialysis RM15,000/RM300,000 per policy year; entry age 14 days to 98 next birthday, expiry age 99 next birthday; yearly guaranteed renewable; 20% NCD; no new waiting period for converters (30 days illness, 120 days specified); pay first claim later, cashless upon Guarantee Letter; exclusive to existing policy owners of eligible medical plans", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "medsecure", "tier_name": "Plan 100 (Deductible RM5,000)", "annual_limit_rm": 100000, "lifetime_limit": "RM1,000,000", "room_board_rm": 100, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM5,000 per policy year (applicable to benefits 1-11); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 98, "sub_limits": "R&B max 150 days per disability per policy year; ICU max 150 days; pre-hosp treatment up to RM500; outpatient kidney dialysis RM15,000 (Plan 100)/RM300,000 (Plan 150) per policy year; outpatient cancer treatment RM30,000 (Plan 100)/RM300,000 (Plan 150) per policy year; home nursing up to RM4,500 per disability (max 240 days/lifetime); intraocular lens up to RM8,000 per lifetime; govt hospital daily cash RM150/day (max 150 days/policy year); medical report up to RM50; lodger up to RM150/day (max 150 days); 20% no claim discount", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses (hypertension, diabetes mellitus, cardiovascular disease, tumours/cancers/cysts/nodules/polyps/stones, ENT conditions, hernias/haemorrhoids/fistulae/hydrocele/varicocele, endometriosis, vertebro-spinal and knee conditions) within 120 days; conditions within 30 days except accidental injuries; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; nuclear; organ donation; alternative therapy; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 99, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "TokioMarine-MedSecure PDS (medsecure_pds_en.txt) + brochure (medsecure_brochure.txt): standalone yearly renewable medical plan, 2 plans (100/150) x 2 deductible options (RM2,500/RM5,000); OAL RM100,000/RM500,000; lifetime limit RM1,000,000/RM5,000,000; R&B RM100/RM150 per day max 150 days per disability per policy year; pre-hosp 60 days, post-hosp 90 days; outpatient cancer RM30,000/RM300,000 per policy year; outpatient kidney dialysis RM15,000/RM300,000 per policy year; entry age 14 days to 98 next birthday, expiry age 99 next birthday; yearly guaranteed renewable; 20% NCD; no new waiting period for converters (30 days illness, 120 days specified); pay first claim later, cashless upon Guarantee Letter; exclusive to existing policy owners of eligible medical plans", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "medsecure", "tier_name": "Plan 150 (Deductible RM2,500)", "annual_limit_rm": 500000, "lifetime_limit": "RM5,000,000", "room_board_rm": 150, "deductible_rm": 2500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM2,500 per policy year (applicable to benefits 1-11); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 98, "sub_limits": "R&B max 150 days per disability per policy year; ICU max 150 days; pre-hosp treatment up to RM500; outpatient kidney dialysis RM15,000 (Plan 100)/RM300,000 (Plan 150) per policy year; outpatient cancer treatment RM30,000 (Plan 100)/RM300,000 (Plan 150) per policy year; home nursing up to RM4,500 per disability (max 240 days/lifetime); intraocular lens up to RM8,000 per lifetime; govt hospital daily cash RM150/day (max 150 days/policy year); medical report up to RM50; lodger up to RM150/day (max 150 days); 20% no claim discount", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses (hypertension, diabetes mellitus, cardiovascular disease, tumours/cancers/cysts/nodules/polyps/stones, ENT conditions, hernias/haemorrhoids/fistulae/hydrocele/varicocele, endometriosis, vertebro-spinal and knee conditions) within 120 days; conditions within 30 days except accidental injuries; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; nuclear; organ donation; alternative therapy; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 99, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "TokioMarine-MedSecure PDS (medsecure_pds_en.txt) + brochure (medsecure_brochure.txt): standalone yearly renewable medical plan, 2 plans (100/150) x 2 deductible options (RM2,500/RM5,000); OAL RM100,000/RM500,000; lifetime limit RM1,000,000/RM5,000,000; R&B RM100/RM150 per day max 150 days per disability per policy year; pre-hosp 60 days, post-hosp 90 days; outpatient cancer RM30,000/RM300,000 per policy year; outpatient kidney dialysis RM15,000/RM300,000 per policy year; entry age 14 days to 98 next birthday, expiry age 99 next birthday; yearly guaranteed renewable; 20% NCD; no new waiting period for converters (30 days illness, 120 days specified); pay first claim later, cashless upon Guarantee Letter; exclusive to existing policy owners of eligible medical plans", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "medsecure", "tier_name": "Plan 150 (Deductible RM5,000)", "annual_limit_rm": 500000, "lifetime_limit": "RM5,000,000", "room_board_rm": 150, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM5,000 per policy year (applicable to benefits 1-11); no coinsurance", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/90", "cancer_rider": "yes", "entry_age_max": 98, "sub_limits": "R&B max 150 days per disability per policy year; ICU max 150 days; pre-hosp treatment up to RM500; outpatient kidney dialysis RM15,000 (Plan 100)/RM300,000 (Plan 150) per policy year; outpatient cancer treatment RM30,000 (Plan 100)/RM300,000 (Plan 150) per policy year; home nursing up to RM4,500 per disability (max 240 days/lifetime); intraocular lens up to RM8,000 per lifetime; govt hospital daily cash RM150/day (max 150 days/policy year); medical report up to RM50; lodger up to RM150/day (max 150 days); 20% no claim discount", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.tokiomarine.com.my", "exclusions": "Pre-existing conditions; specified illnesses (hypertension, diabetes mellitus, cardiovascular disease, tumours/cancers/cysts/nodules/polyps/stones, ENT conditions, hernias/haemorrhoids/fistulae/hydrocele/varicocele, endometriosis, vertebro-spinal and knee conditions) within 120 days; conditions within 30 days except accidental injuries; cosmetic/plastic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; AIDS/HIV; mental/nervous disorders; hazardous sports; war/terrorism; nuclear; organ donation; alternative therapy; non-exhaustive (see policy contract)", "entry_age_min": 0, "renew_age_max": 99, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "TokioMarine-MedSecure PDS (medsecure_pds_en.txt) + brochure (medsecure_brochure.txt): standalone yearly renewable medical plan, 2 plans (100/150) x 2 deductible options (RM2,500/RM5,000); OAL RM100,000/RM500,000; lifetime limit RM1,000,000/RM5,000,000; R&B RM100/RM150 per day max 150 days per disability per policy year; pre-hosp 60 days, post-hosp 90 days; outpatient cancer RM30,000/RM300,000 per policy year; outpatient kidney dialysis RM15,000/RM300,000 per policy year; entry age 14 days to 98 next birthday, expiry age 99 next birthday; yearly guaranteed renewable; 20% NCD; no new waiting period for converters (30 days illness, 120 days specified); pay first claim later, cashless upon Guarantee Letter; exclusive to existing policy owners of eligible medical plans", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "zurich-takaful-al-shams", "tier_name": "Takaful Al-Shams", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "not disclosed", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://zurich.com.my/alshams", "exclusions": "Death: suicide within 1 year - all contributions made refunded; TPD/GAD: any self-inflicted injuries while sane or insane; Accidental Death: violation or attempted violation of the law or resistance to arrest; list non-exhaustive (refer to Takaful Certificate)", "entry_age_min": "14 days old", "renew_age_max": "up to age 80 (coverage term)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Local artifacts: product page takaful-al-shams.txt + PDS pds/alshams-en.txt (dated 14 Nov 2025, illustration for healthy 30yo male non-smoker, RM2,118/yr, 50-year illustration). Guaranteed Acceptance plan - no medical check-ups regardless of health; Death/TPD/GAD pays higher of 100% BSC or Total Contribution Made (non-accidental within first 2 certificate years refunds all contributions less amounts due); accidental death ladders: General +100% BSC, Public Transport +200% BSC, Overseas +300% BSC (max RM10,000,000 across certificates); TPD benefit up to age 75 with GAD continuous to end of certificate; TPD Yearly Recovery 5% BSC for 5 years; Compassionate Benefit RM2,000; Family Accidental Death RM10,000 per member (from 3rd certificate year); Family Care Privilege up to 4 family members, up to 25% of BSC without medical underwriting; entry age 14 days to 60 years old (participant at least 16), coverage term 20/30 years or to age 80; no riders listed on page or PDS; juvenile lien applies to death/TPD before age 4.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-takaful-family-hero", "tier_name": "Takaful Family Hero", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "whole", "sum_assured_range": "RM50,000 minimum; maximum subject to underwriting requirements", "ci_rider": "yes", "ci_conditions": "KritikalCare Essential covers 50 critical illnesses including stroke, heart attack and cancer; KritikalCare Waiver waives contributions if the person covered is diagnosed with any of the 50 covered critical illnesses", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://mya.zurich.com.my/rdt/familyhero", "exclusions": "Death: suicide within 1 year from Certificate Commencement/Reinstatement Date (liability limited to PIA value); TPD: self-inflicted injuries, flight except regular scheduled commercial passenger flights, military activities; Accidental Death: self-destruction or self-inflicted injury, intoxication by alcohol/drugs, war/revolution/terrorism, armed forces or police service, racing on horses or wheels, professional sports (incl. caving, potholing, bungee jumping); MERS-Cov death before entering Saudi Arabia or >21 days after leaving Saudi Arabia; list non-exhaustive (see PDS and Takaful Certificate)", "entry_age_min": "14 days old", "renew_age_max": "up to age 80 (coverage term)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Local artifacts: product page takaful-family-hero.txt (incl. FAQ) + PDS pds/family-hero-en.txt (dated 05 Dec 2025, illustration RM4,520/yr, 50-year term). Death or TPD pays higher of 100% BSC or PIA value; TPD only up to age 75; accidental death ladders: Public Transportation +100% BSC, Overseas +100% BSC, Balik Kampung +200% BSC (accident during Malaysia National Public Holiday on a Toll Expressway), Hajj +300% BSC (Wukuf in Arafah, Tawaaf in Masjidil Haram, Sa'ie); TPD Yearly Recovery 5% BSC for 10 years; Ziarah Plus +10% BSC or max RM50,000 (heat stroke/stampede/crush, fire in public building, MERS-Cov in Saudi Arabia); Family Care Privilege up to 4 legal spouses/children, up to 25% BSC, max RM300,000 per life, no underwriting; Maturity Benefit = PIA value; no medical check-up up to RM1,500,000; contribution terms 10/20 years (min sum covered RM250,000) or throughout certificate term (min RM50,000); entry age 14 days to 70 years old (participant at least 16); Shariah: Wakalah, tabarru' to PRIA, Surplus Sharing 50:50, Ju'alah 10% of PIA investment profit.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-takaful-proessential", "tier_name": "Takaful ProEssential", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 60, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "KritikalCare Essential Plus provides additional coverage for selected critical illnesses; KritikalCare Prime Plus covers selected critical illnesses with rider sum covered reducing Basic Sum Covered; KritikalCare Waiver Plus waives contributions if diagnosed with any selected critical illness", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://mya.zurich.com.my/rdt/proessential", "exclusions": "Death: suicide within 1 year from Commencement/Reinstatement Date (liability limited to PIA value); TPD/GAD: self-inflicted injuries while sane or insane, flight except scheduled commercial passenger flights, military activities, war/civil war/invasion or explosions of weapons of war, pre-existing illness, unlawful/illegal acts, influence of alcohol, narcotics or drugs; list non-exhaustive (see PDS and Certificate)", "entry_age_min": "14 days old", "renew_age_max": "up to age 80 (coverage term)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Local artifacts: product page takaful-proessential.txt (incl. FAQ) + PDS pds/proessential-en.txt (dated 05 Dec 2025, illustration RM4,980/yr for 50-year term). Death or TPD/GAD pays 100% of BSC plus PIA value; TPD coverage to age 75, GAD adds 5 years to age 80; Family Care Privilege up to 4 family members at 25% of BSC without underwriting; coverage terms 20/30/40 years or to age 80; extension within 60 days of maturity without health evidence; riders: KritikalCare Essential Plus, KritikalCare Waiver Plus, KritikalCare Prime Plus, AccidentalCare, Disability Income, Accidental MediBill Reimbursement (ambulance RM500/accident), Hospital Income (halved for non-govt licensed private hospitals); 5% rider discount when all 3 of AccidentalCare + Disability Income + Accidental MediBill Reimbursement attached; entry age 14 days to 60 years old (participant at least 16); contribution payable throughout coverage term, not guaranteed (90 days notice for revision); PayHalal Shariah-compliant gateway; no premiums on accidental benefits; juvenile lien before age 4.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-takaful-prosecure", "tier_name": "Takaful ProSecure", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "VitalGuard Prime and VitalGuard Essential provide additional coverage for 51 critical illnesses (Prime's rider sum covered reduces Basic Sum Covered; Essential leaves BSC unaffected); VitalGuard Waiver waives basic contributions upon diagnosis of any of 50 critical illnesses", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://zurich.com.my/prosecure", "exclusions": "Death: suicide within 1 year (all contributions made refunded); pre-existing medical conditions or symptoms before participation; any self-inflicted injuries while sane or insane; list non-exhaustive (see PDS and Takaful Certificate)", "entry_age_min": "14 days old", "renew_age_max": "n/a (fixed coverage term 10/20/30 years)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Local artifacts: product page takaful-prosecure.txt + PDS pds/prosecure-en.txt (dated 13 Nov 2025, illustration RM1,530/yr for 20-year term). Death/TPD/GAD: higher of 100% BSC or Total Contribution Made; accidental death: Public Transport +200% BSC, Overseas +300% BSC; Terminal Illness/Terminal Cancer (TITC) 100% of BSC or Total Contribution Made whichever higher; Disability Support Plan: TPD to age 75, GAD continuous to end of certificate; TPD Yearly Recovery 5% BSC for 5 years; Vital Care waives contribution 6 months after ICU admission >5 consecutive days; Enhanced Family Accidental Death RM10,000 per family member (max 4) incl. parents, spouse or children; Family Care Privilege 25% BSC per member up to 4 without underwriting; coverage terms: 10 years (entry 14 days-70), 20 years (entry up to 60), 30 years (entry up to 50); participant at least 16; juvenile lien before age 4; no surrender value payable on cancellation.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-takaful-surecover", "tier_name": "Takaful SureCover", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 69, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "endowment", "sum_assured_range": "Not disclosed as a range: Basic Sum Covered is unit-based per the Sum Covered Schedule by entry age and gender (e.g. RM33,243 per unit for a 35-year-old female; RM332,430 for 10 units)", "ci_rider": "not disclosed", "ci_conditions": "not disclosed", "waiver_rider": "not disclosed", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://zurich.com.my/surecover", "exclusions": "Death: if due to suicide within 1 year, only PIA Value payable; Accidental Death: violation or attempted violation of the law or resistance to arrest; list non-exhaustive (see Takaful Certificate)", "entry_age_min": "35 years old", "renew_age_max": "coverage up to age 90", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Local artifacts: product page takaful-surecover.txt (incl. FAQ) + PDS pds/surecover-en.txt (dated 14 Nov 2025, illustration RM9,000/yr for 55-year term, healthy 30yo male non-smoker). Guaranteed Acceptance for Person Covered aged 35 to 69, no medical check-up, level contribution from RM75 per unit per month; coverage to age 90; non-accidental death: within first 2 certificate years refund of Total Contribution Made, thereafter BSC or contributions whichever higher plus PIA value; Accidental Death: 500% (ages 35-65), 300% (66-80), 200% (81-90) of BSC/contributions + PIA; Repatriation Benefit up to RM3,000; Maturity Benefit = PIA value after 90th birthday; BSC per Sum Covered Schedule by entry age/gender/units; contribution level but not guaranteed (3-month notice); Takaful via Wakalah; no riders mentioned on page or PDS.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-takaful-term-80", "tier_name": "Takaful Term 80", "annual_limit_rm": null, "lifetime_limit": null, "room_board_rm": null, "deductible_rm": null, "coinsurance_pct": null, "coinsurance_cap_rm": null, "copay": null, "icu_benefit": null, "day_surgery": null, "outpatient": null, "pre_post_hospital_days": null, "cancer_rider": null, "entry_age_max": 70, "sub_limits": null, "ilp_rider_erodes_account": null, "life_type": "term", "sum_assured_range": "not disclosed", "ci_rider": "yes", "ci_conditions": "Critical Illness Plus provides coverage upon diagnosis of a critical illness; Critical Illness Super adds coverage for death, TPD and critical illness; other riders include Waiver of Contribution on critical illness, Parent/Spouse Contributor Waiver, Daily Hospital Benefit, accidental death & dismemberment, accidental medical reimbursement, weekly income, TPD 90 days from accident, and Khusus Protection (funeral expense)", "waiver_rider": "yes", "policy_term_years": null, "verified_at": "2026-08-26", "source_url": "https://zurich.com.my/term80", "exclusions": "Death: if due to suicide within 1 year, only PIA value payable; TPD: misuse of drugs or alcohol; list non-exhaustive (see PDS and Takaful Certificate)", "entry_age_min": "30 days old", "renew_age_max": "up to age 80 (coverage term)", "waiting_general_days": null, "waiting_specified_days": null, "waiting_pre_existing_days": null, "source_detail": "Local artifacts: product page takaful-term-80.txt (incl. FAQ) + PDS pds/term-80-en.txt (dated 14 Nov 2025, illustration RM6,965/yr, 50-year term). Level contribution not guaranteed (3 months notice); Death Benefit = BSC + PIA value; TPD benefit payable if TPD occurs before age 70 = BSC + PIA; coverage terms from 5 years until expiry age 80 (e.g. entry age 67 = max 13 years); entry 30 days to 70 years old, participant/applicant at least 16; maturity benefit = PIA value only (no payment from PRIA); flexible payment channels incl. cash, cheque, credit card, auto debit, BSN Giro, internet banking (additional 2% Wakalah fee for Public Sector payments); personal tax relief up to RM6,000/yr; surplus sharing 50:50; reinstatement fee RM50; riders: Critical Illness Plus, Critical Illness Super, Waiver of Contribution (CI), Parent/Spouse Contributor Waiver, Daily Cash Benefit, Accidental Death & Dismemberment, Medical Reimbursement, Weekly Income, TPD additional (90 days from accident), Khusus Protection; tabarru' deducted monthly from PIA to PRIA.", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": null, "per_disability_vs_lifetime": null }, { "product": "zurich-smart-health", "tier_name": "Plan A", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 250, "deductible_rm": 500, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM500 per year; waived for emergency treatment, outpatient kidney dialysis & cancer treatment, and treatment at Government Healthcare Facilities", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "ICU/HDU as charged max 120 days/policy yr; R&B RM250/day unlimited days; pre-hosp 90 days; post-hosp 180 days; outpatient physio RM5,000/policy yr; intraocular lens RM3,000/eye/life; compassionate benefit RM10,000 (outside annual limit); EAP (outside annual limit); govt hospital daily cash RM250/day", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/product-disclosure-sheets/pds-zurich-smart-health-eng.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; congenital/hereditary conditions or deformities; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS EN PDF (valid as at 01/01/26, downloaded 2026-08-25): annual limit RM1,000,000, no lifetime limit, R&B RM250/day unlimited days, deductible RM500 (Plan A)/RM5,000 (Plan B) per year waived for emergency treatment, outpatient kidney dialysis & cancer treatment and Government Healthcare Facilities; coverage starts 30 days (except accidents), specified illnesses 120 days; entry 14 days-70 attained age, coverage to age 100, renewal guaranteed but premium rates not guaranteed; cashless basis; product page https://www.zurich.com.my/insurance-products/protection/for-my-health/zurich-smart-health", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "zurich-smart-health", "tier_name": "Plan B", "annual_limit_rm": 1000000, "lifetime_limit": "unlimited", "room_board_rm": 250, "deductible_rm": 5000, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM5,000 per year; waived for emergency treatment, outpatient kidney dialysis & cancer treatment, and treatment at Government Healthcare Facilities", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "ICU/HDU as charged max 120 days/policy yr; R&B RM250/day unlimited days; pre-hosp 90 days; post-hosp 180 days; outpatient physio RM5,000/policy yr; intraocular lens RM3,000/eye/life; compassionate benefit RM10,000 (outside annual limit); EAP (outside annual limit); govt hospital daily cash RM250/day", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/product-disclosure-sheets/pds-zurich-smart-health-eng.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; congenital/hereditary conditions or deformities; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS EN PDF (valid as at 01/01/26, downloaded 2026-08-25): annual limit RM1,000,000, no lifetime limit, R&B RM250/day unlimited days, deductible RM500 (Plan A)/RM5,000 (Plan B) per year waived for emergency treatment, outpatient kidney dialysis & cancer treatment and Government Healthcare Facilities; coverage starts 30 days (except accidents), specified illnesses 120 days; entry 14 days-70 attained age, coverage to age 100, renewal guaranteed but premium rates not guaranteed; cashless basis; product page https://www.zurich.com.my/insurance-products/protection/for-my-health/zurich-smart-health", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "zurich-icare-medic", "tier_name": "Plan 180", "annual_limit_rm": 500000, "lifetime_limit": "unlimited", "room_board_rm": 180, "deductible_rm": 250, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible RM250 per policy year; waived for ICU/HDU admission and outpatient kidney dialysis & cancer treatment at Malaysian Government/Semi-Government Hospital", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/180", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "ICU/HDU as charged max 120 days/policy yr; R&B RM180/day unlimited days; pre-hosp 90 days; post-hosp 180 days; outpatient physio RM5,000/policy yr; intraocular lens RM3,000/eye/life; compassionate benefit RM10,000 (outside annual limit); EAP (outside annual limit); govt hospital daily cash RM180/day; Covid-19 hospitalisation & vaccination complication covered", "ilp_rider_erodes_account": "n/a", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/product-disclosure-sheets/pds-zurich-icare-medic-eng.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; congenital/hereditary conditions or deformities; non-exhaustive list (see policy contract)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "PDS EN PDF (valid as at 01/01/26, downloaded 2026-08-25): annual limit RM500,000, no lifetime limit, R&B RM180/day unlimited days, deductible RM250/policy year; coverage starts 30 days (except accidents), specified illnesses 120 days; entry 14 days-70 attained age, coverage to age 100, renewal guaranteed but premium rates not guaranteed; cashless basis; product page https://www.zurich.com.my/insurance-products/protection/for-my-health/zurich-icare-medic", "guaranteed_renewable": "yes", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "maxmedic", "tier_name": "Plan 1", "annual_limit_rm": 50000, "lifetime_limit": "RM500,000", "room_board_rm": 110, "deductible_rm": "n/a", "coinsurance_pct": 10, "coinsurance_cap_rm": 1000, "copay": "10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/60", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 200 days/yr; ICU/HDU max 30 days/yr; pre-hosp 60 days; post-hosp 60 days; physio within 90 days of discharge; home nursing max 180 days/life; ambulance RM300/350/400/500/750 per disability; govt hospital daily cash RM50/60/70/80/90 (max 200 days/yr); guardian benefit RM200/250/300/350/400 per disability; medical report RM80/80/100/100/100 per disability; co-insurance min RM200 max RM1,000 (H&S) / max RM2,000 (outpatient)", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/contract/zlimb-maxmedic-contract.pdf", "exclusions": "Pre-existing illness; specified illnesses first 120 days; medical/physical conditions first 30 days (except accidents); plastic/cosmetic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; HIV/AIDS; investigatory/preventive treatment; suicide; war/nuclear; non-exhaustive list (see contract)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official contract PDF (downloaded 2026-08-25) + product page https://www.zurich.com.my/insurance-products/protection/for-my-health/maxmedic: unit-deducting rider on ILP; annual limits RM50k-150k, lifetime RM500k-1.5m; R&B RM110-400/day max 200 days/yr; 10% co-insurance min RM200 max RM1,000 (H&S) / max RM2,000 (outpatient); waiting 30 days general, 120 days specified; entry 14 days-70, renewal to age 80; renewable at prevailing insurance charges (guaranteed renewal not stated); cashless via MediExpress panel hospitals", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "maxmedic", "tier_name": "Plan 2", "annual_limit_rm": 75000, "lifetime_limit": "RM750,000", "room_board_rm": 160, "deductible_rm": "n/a", "coinsurance_pct": 10, "coinsurance_cap_rm": 1000, "copay": "10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/60", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 200 days/yr; ICU/HDU max 30 days/yr; pre-hosp 60 days; post-hosp 60 days; physio within 90 days of discharge; home nursing max 180 days/life; ambulance RM300/350/400/500/750 per disability; govt hospital daily cash RM50/60/70/80/90 (max 200 days/yr); guardian benefit RM200/250/300/350/400 per disability; medical report RM80/80/100/100/100 per disability; co-insurance min RM200 max RM1,000 (H&S) / max RM2,000 (outpatient)", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/contract/zlimb-maxmedic-contract.pdf", "exclusions": "Pre-existing illness; specified illnesses first 120 days; medical/physical conditions first 30 days (except accidents); plastic/cosmetic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; HIV/AIDS; investigatory/preventive treatment; suicide; war/nuclear; non-exhaustive list (see contract)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official contract PDF (downloaded 2026-08-25) + product page https://www.zurich.com.my/insurance-products/protection/for-my-health/maxmedic: unit-deducting rider on ILP; annual limits RM50k-150k, lifetime RM500k-1.5m; R&B RM110-400/day max 200 days/yr; 10% co-insurance min RM200 max RM1,000 (H&S) / max RM2,000 (outpatient); waiting 30 days general, 120 days specified; entry 14 days-70, renewal to age 80; renewable at prevailing insurance charges (guaranteed renewal not stated); cashless via MediExpress panel hospitals", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "maxmedic", "tier_name": "Plan 3", "annual_limit_rm": 100000, "lifetime_limit": "RM1,000,000", "room_board_rm": 210, "deductible_rm": "n/a", "coinsurance_pct": 10, "coinsurance_cap_rm": 1000, "copay": "10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/60", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 200 days/yr; ICU/HDU max 30 days/yr; pre-hosp 60 days; post-hosp 60 days; physio within 90 days of discharge; home nursing max 180 days/life; ambulance RM300/350/400/500/750 per disability; govt hospital daily cash RM50/60/70/80/90 (max 200 days/yr); guardian benefit RM200/250/300/350/400 per disability; medical report RM80/80/100/100/100 per disability; co-insurance min RM200 max RM1,000 (H&S) / max RM2,000 (outpatient)", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/contract/zlimb-maxmedic-contract.pdf", "exclusions": "Pre-existing illness; specified illnesses first 120 days; medical/physical conditions first 30 days (except accidents); plastic/cosmetic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; HIV/AIDS; investigatory/preventive treatment; suicide; war/nuclear; non-exhaustive list (see contract)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official contract PDF (downloaded 2026-08-25) + product page https://www.zurich.com.my/insurance-products/protection/for-my-health/maxmedic: unit-deducting rider on ILP; annual limits RM50k-150k, lifetime RM500k-1.5m; R&B RM110-400/day max 200 days/yr; 10% co-insurance min RM200 max RM1,000 (H&S) / max RM2,000 (outpatient); waiting 30 days general, 120 days specified; entry 14 days-70, renewal to age 80; renewable at prevailing insurance charges (guaranteed renewal not stated); cashless via MediExpress panel hospitals", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "maxmedic", "tier_name": "Plan 4", "annual_limit_rm": 125000, "lifetime_limit": "RM1,250,000", "room_board_rm": 310, "deductible_rm": "n/a", "coinsurance_pct": 10, "coinsurance_cap_rm": 1000, "copay": "10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/60", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 200 days/yr; ICU/HDU max 30 days/yr; pre-hosp 60 days; post-hosp 60 days; physio within 90 days of discharge; home nursing max 180 days/life; ambulance RM300/350/400/500/750 per disability; govt hospital daily cash RM50/60/70/80/90 (max 200 days/yr); guardian benefit RM200/250/300/350/400 per disability; medical report RM80/80/100/100/100 per disability; co-insurance min RM200 max RM1,000 (H&S) / max RM2,000 (outpatient)", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/contract/zlimb-maxmedic-contract.pdf", "exclusions": "Pre-existing illness; specified illnesses first 120 days; medical/physical conditions first 30 days (except accidents); plastic/cosmetic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; HIV/AIDS; investigatory/preventive treatment; suicide; war/nuclear; non-exhaustive list (see contract)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official contract PDF (downloaded 2026-08-25) + product page https://www.zurich.com.my/insurance-products/protection/for-my-health/maxmedic: unit-deducting rider on ILP; annual limits RM50k-150k, lifetime RM500k-1.5m; R&B RM110-400/day max 200 days/yr; 10% co-insurance min RM200 max RM1,000 (H&S) / max RM2,000 (outpatient); waiting 30 days general, 120 days specified; entry 14 days-70, renewal to age 80; renewable at prevailing insurance charges (guaranteed renewal not stated); cashless via MediExpress panel hospitals", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "maxmedic", "tier_name": "Plan 5", "annual_limit_rm": 150000, "lifetime_limit": "RM1,500,000", "room_board_rm": 400, "deductible_rm": "n/a", "coinsurance_pct": 10, "coinsurance_cap_rm": 1000, "copay": "10% co-insurance on hospital & surgical benefits (except room & board): min RM200, max RM1,000 per claim; outpatient treatment benefits: 10% up to max RM2,000 per claim; no deductible", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "60/60", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "R&B max 200 days/yr; ICU/HDU max 30 days/yr; pre-hosp 60 days; post-hosp 60 days; physio within 90 days of discharge; home nursing max 180 days/life; ambulance RM300/350/400/500/750 per disability; govt hospital daily cash RM50/60/70/80/90 (max 200 days/yr); guardian benefit RM200/250/300/350/400 per disability; medical report RM80/80/100/100/100 per disability; co-insurance min RM200 max RM1,000 (H&S) / max RM2,000 (outpatient)", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/contract/zlimb-maxmedic-contract.pdf", "exclusions": "Pre-existing illness; specified illnesses first 120 days; medical/physical conditions first 30 days (except accidents); plastic/cosmetic surgery; dental (except accidental injury to sound natural teeth); pregnancy/childbirth; congenital abnormalities; HIV/AIDS; investigatory/preventive treatment; suicide; war/nuclear; non-exhaustive list (see contract)", "entry_age_min": 0, "renew_age_max": 80, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official contract PDF (downloaded 2026-08-25) + product page https://www.zurich.com.my/insurance-products/protection/for-my-health/maxmedic: unit-deducting rider on ILP; annual limits RM50k-150k, lifetime RM500k-1.5m; R&B RM110-400/day max 200 days/yr; 10% co-insurance min RM200 max RM1,000 (H&S) / max RM2,000 (outpatient); waiting 30 days general, 120 days specified; entry 14 days-70, renewal to age 80; renewable at prevailing insurance charges (guaranteed renewal not stated); cashless via MediExpress panel hospitals", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "zurich-infinite-care-shield", "tier_name": "Plan 300", "annual_limit_rm": 1800000, "lifetime_limit": "unlimited", "room_board_rm": 300, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible options: RM0/250/5,000/50,000/100,000 per rider year; waived for admission to Malaysian Government/Semi-Government Hospital", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/210", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "ICU/HDU as charged max 210 days/rider yr; pre-hosp 90 days; post-hosp 210 days; physio within 210 days; intraocular lens RM6,000/eye/life; dengue fever RM3,000/event; mental illness hospitalisation RM3,000/rider yr; medical assistance device RM12,000/rider yr (max 2 claims/life); guardian RM150/day max 210 days/rider yr; home nursing RM12,000/rider yr (max 210 days/life); second medical opinion RM2,000/rider yr; infectious disease benefit RM6,000 (ceases at age 70, 90-day waiting); govt hospital daily cash RM180/day; Inflation Shield +20% of initial annual limit every 5 yrs from 6th rider yr; NCD up to 20%", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/brochures/2zl3579-zurich-infinitecare-shield_rev.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; conditions first 30 days (except accidents); infectious disease benefit excluded for pre-existing conditions, drug/substance/alcohol abuse, war/terrorism, AIDS/HIV; non-exhaustive list (see policy documents)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official brochure PDF (downloaded 2026-08-25) + product page https://www.zurich.com.my/insurance-products/protection/for-my-health/zurich-infinite-care-shield: unit-deducting rider on selected regular premium ILPs; annual limits RM1.8m (Plan 300)/RM3.0m (Plan 500), no lifetime limit; deductible options per rider year Plan 300: RM0/250/5,000/50,000/100,000, Plan 500: RM250/5,000/10,000/50,000/100,000 (waived for govt hospital admission); waiting 30 days general, 90 days infectious disease, 120 days specified illness; entry 14 days-70 attained age, coverage to age 100, rider term follows basic policy subject to account value; cashless hospitalisation assistance", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" }, { "product": "zurich-infinite-care-shield", "tier_name": "Plan 500", "annual_limit_rm": 3000000, "lifetime_limit": "unlimited", "room_board_rm": 500, "deductible_rm": null, "coinsurance_pct": "n/a", "coinsurance_cap_rm": "n/a", "copay": "Deductible options: RM250/5,000/10,000/50,000/100,000 per rider year; waived for admission to Malaysian Government/Semi-Government Hospital", "icu_benefit": "yes", "day_surgery": "yes", "outpatient": "yes", "pre_post_hospital_days": "90/210", "cancer_rider": "yes", "entry_age_max": 70, "sub_limits": "ICU/HDU as charged max 210 days/rider yr; pre-hosp 90 days; post-hosp 210 days; physio within 210 days; intraocular lens RM6,000/eye/life; dengue fever RM3,000/event; mental illness hospitalisation RM3,000/rider yr; medical assistance device RM12,000/rider yr (max 2 claims/life); guardian RM150/day max 210 days/rider yr; home nursing RM12,000/rider yr (max 210 days/life); second medical opinion RM2,000/rider yr; infectious disease benefit RM6,000 (ceases at age 70, 90-day waiting); govt hospital daily cash RM180/day; Inflation Shield +20% of initial annual limit every 5 yrs from 6th rider yr; NCD up to 20%", "ilp_rider_erodes_account": "yes", "life_type": null, "sum_assured_range": null, "ci_rider": null, "ci_conditions": null, "waiver_rider": null, "policy_term_years": null, "verified_at": "2026-08-24", "source_url": "https://www.zurich.com.my/-/media-assets/project/zurich-headless/malaysia/docs/insurance-products/brochures/2zl3579-zurich-infinitecare-shield_rev.pdf", "exclusions": "Pre-existing conditions; specified illnesses first 120 days; conditions first 30 days (except accidents); infectious disease benefit excluded for pre-existing conditions, drug/substance/alcohol abuse, war/terrorism, AIDS/HIV; non-exhaustive list (see policy documents)", "entry_age_min": 0, "renew_age_max": 100, "waiting_general_days": 30, "waiting_specified_days": 120, "waiting_pre_existing_days": "n/a", "source_detail": "Official brochure PDF (downloaded 2026-08-25) + product page https://www.zurich.com.my/insurance-products/protection/for-my-health/zurich-infinite-care-shield: unit-deducting rider on selected regular premium ILPs; annual limits RM1.8m (Plan 300)/RM3.0m (Plan 500), no lifetime limit; deductible options per rider year Plan 300: RM0/250/5,000/50,000/100,000, Plan 500: RM250/5,000/10,000/50,000/100,000 (waived for govt hospital admission); waiting 30 days general, 90 days infectious disease, 120 days specified illness; entry 14 days-70 attained age, coverage to age 100, rider term follows basic policy subject to account value; cashless hospitalisation assistance", "guaranteed_renewable": "not disclosed", "channel": "agent", "panel_cashless": "yes", "per_disability_vs_lifetime": "lifetime" } ] }