MY://INSURANCE [F1] HELP [D] DATA [I] INDEPENDENCE

AS-OF 2026-08-26 VERIFIED

PAMB 9TIER RM 150 R&B PRUBSN 16TIER RM 200 R&B AIAPUBLICTAKAFUL 14TIER RM 1,500,000 annual limit AIA 9TIER RM 1,500,000 annual limit ALLIANZ 14TIER RM 3,000,000 annual limit AMMETLIFETAKAFUL 8TIER RM 100,000 annual limit ETIQAFAMILY 16TIER RM 60,000 annual limit ETIQALIFE 16TIER RM 50,000 annual limit SUNLIFE 9TIER RM 2,000,000 annual limit FWDTAKAFUL 14TIER RM 50,000 annual limit GETAKAFUL 13TIER RM 1,500,000 annual limit GENERALI 18TIER RM 110,000 annual limit AMMETLIFE 7TIER RM 100,000 annual limit FWD 12TIER — GELIFE 10TIER — ZURICH 18TIER RM 50,000 annual limit HLA 7TIER RM 2,500,000 annual limit MANULIFE 11TIER RM 3,000,000 annual limit MCIS 32TIER RM 150,000 annual limit TOKIOMARINE 31TIER RM 80 R&B SUNLIFETAKAFUL 26TIER RM 300,000 annual limit ZURICHTAKAFUL 10TIER RM 500,000 annual limit TAKAFULIKHLAS 11TIER RM 250,000 annual limit TMKL 6TIER RM 550,000 annual limit PAMB 9TIER RM 150 R&B PRUBSN 16TIER RM 200 R&B AIAPUBLICTAKAFUL 14TIER RM 1,500,000 annual limit AIA 9TIER RM 1,500,000 annual limit ALLIANZ 14TIER RM 3,000,000 annual limit AMMETLIFETAKAFUL 8TIER RM 100,000 annual limit ETIQAFAMILY 16TIER RM 60,000 annual limit ETIQALIFE 16TIER RM 50,000 annual limit SUNLIFE 9TIER RM 2,000,000 annual limit FWDTAKAFUL 14TIER RM 50,000 annual limit GETAKAFUL 13TIER RM 1,500,000 annual limit GENERALI 18TIER RM 110,000 annual limit AMMETLIFE 7TIER RM 100,000 annual limit FWD 12TIER — GELIFE 10TIER — ZURICH 18TIER RM 50,000 annual limit HLA 7TIER RM 2,500,000 annual limit MANULIFE 11TIER RM 3,000,000 annual limit MCIS 32TIER RM 150,000 annual limit TOKIOMARINE 31TIER RM 80 R&B SUNLIFETAKAFUL 26TIER RM 300,000 annual limit ZURICHTAKAFUL 10TIER RM 500,000 annual limit TAKAFULIKHLAS 11TIER RM 250,000 annual limit TMKL 6TIER RM 550,000 annual limit

insurance.subimpact.net

MEDICAL CARD / Generali

ELIFE PROTECTOR+

Generali Insurance Malaysia Berhad · Standalone medical card · 1 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
eLife Protector+	—	—	—	—	—	—	—	—	—	16–55

eLife Protector+ —

LIFETIME: —
ROOM & BOARD: —
DEDUCTIBLE: —
CO-INS.: —
CO-PAY: —
ICU: —
DAY SURG.: —
RENEWABLE: —
ENTRY AGE: 16–55

● WAITING PERIODS

General: —
Specified (120-day): —
Pre-existing: —

● SOURCE

Verified: 24 Aug 2026
Source: official PDS / product page
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

Premiums are quote-gated in Malaysia. Get an official quote from Generali — we never publish invented premiums.

[!] THIS IS NOT FINANCIAL ADVICE. BENEFITS CHANGE — ALWAYS CONFIRM ON THE INSURER'S OFFICIAL SITE.