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

AS-OF 2026-08-24 VERIFIED

PAMB 9TIER — PRUBSN 5TIER — AIA 9TIER RM 1,500,000 ALLIANZ 2TIER RM 3,000,000 ETIQALIFE 9TIER RM 50,000 SUNLIFE 2TIER RM 2,000,000 GENERALI 10TIER RM 110,000 AMMETLIFE 2TIER RM 100,000 GELIFE 1TIER — ZURICH 12TIER RM 50,000 FWD 1TIER — MANULIFE 1TIER RM 3,000,000 HLA 1TIER RM 2,500,000 MCIS 20TIER RM 150,000 ETIQAFAMILY 11TIER RM 60,000 SUNLIFETAKAFUL 8TIER RM 300,000 FWDTAKAFUL 9TIER RM 50,000 GETAKAFUL 6TIER RM 1,500,000 ZURICHTAKAFUL 4TIER RM 500,000 AIAPUBLICTAKAFUL 4TIER RM 1,500,000 AMMETLIFETAKAFUL 1TIER RM 100,000 TAKAFULIKHLAS 3TIER RM 250,000 TMKL 3TIER RM 550,000 TOKIOMARINE 27TIER RM 100,000 PAMB 9TIER — PRUBSN 5TIER — AIA 9TIER RM 1,500,000 ALLIANZ 2TIER RM 3,000,000 ETIQALIFE 9TIER RM 50,000 SUNLIFE 2TIER RM 2,000,000 GENERALI 10TIER RM 110,000 AMMETLIFE 2TIER RM 100,000 GELIFE 1TIER — ZURICH 12TIER RM 50,000 FWD 1TIER — MANULIFE 1TIER RM 3,000,000 HLA 1TIER RM 2,500,000 MCIS 20TIER RM 150,000 ETIQAFAMILY 11TIER RM 60,000 SUNLIFETAKAFUL 8TIER RM 300,000 FWDTAKAFUL 9TIER RM 50,000 GETAKAFUL 6TIER RM 1,500,000 ZURICHTAKAFUL 4TIER RM 500,000 AIAPUBLICTAKAFUL 4TIER RM 1,500,000 AMMETLIFETAKAFUL 1TIER RM 100,000 TAKAFULIKHLAS 3TIER RM 250,000 TMKL 3TIER RM 550,000 TOKIOMARINE 27TIER RM 100,000

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MEDICAL CARD / Tokio Marine

ICAREGUARD

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 500,000	n/a	n/a	n/a	n/a%	—	Yes	—	—	—

● 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 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)

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

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