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

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MEDICAL CARD / Tokio Marine Life

ICAREGUARD PLUS

Tokio Marine Life Insurance Malaysia Bhd. · Medical rider on investment-linked policy · 1 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
RM500,000 (Rider Sum Assured)	RM 500,000annual limit	n/a	n/a	n/a	n/a%	—	Yes	—	—	not disclosed+

RM500,000 (Rider Sum Assured) RM 500,000 annual limit

LIFETIME: n/a
ROOM & BOARD: n/a
DEDUCTIBLE: n/a
CO-INS.: n/a%
CO-PAY: —
ICU: Yes
DAY SURG.: —
RENEWABLE: —
ENTRY AGE: not disclosed+

● WAITING PERIODS

General: 30 days
Specified (120-day): 60 days
Pre-existing: n/a

● SOURCE

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

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

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