Tokio Marine Life Rider - iMediCare Brochure

Tokio Marine Life Rider - iMediCare BrochureiMediCare Embracing freedom with a healthy life.
Nikmati kebebasan dengan gaya hidup yang sihat.
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Tokio Marine Life Insurance Malaysia Bhd.
tokiomarine.com Life & Health | Property & Casualty
Dear Diary,
Today is my birthday. Looking back, I have come a long way - getting married, facing pregnancy complications, becoming a mother, going through cancer treatment (including the acupuncture sessions) and getting my health back on track. I am thankful I made the decision to sign up for iMediCare on this day 10 years ago. It was there for me during those unforgettable moments. So glad my hubby listened to my advice and signed up too. It even covered for his dengue fever last year! I am grateful for it all. Hope to celebrate many more birthdays with him and the kids!
16 November 2030
UNLIMITED LIFETIME CLAIMS AND HIGH ANNUAL LIMIT
Life is precious. Live yours to the fullest with our lifelong healthcare
coverage that provides medical protection up to age 992 and high
annual limit up to RM 3 million.
FLEXIBLE OPTIONS (NON-SAVER, SAVER 500 AND
CO-SAVER 10%)3
Flexibility to choose what’s right for you. Besides Non-Saver, you
can choose Saver 500 or Co-Saver 10% plan to enjoy premium
savings without compromising on your coverage. What’s more, you
can save up to 30% on the insurance cost of this rider.
PREGNANCY COMPLICATIONS BENEFIT1
As a mother-to-be, you can now go through your pregnancy with
peace of mind. A 30-day waiting period is all it takes to enjoy our
15 pregnancy complications benefit coverage.
NEW BORN REWARD1
The moment you’ve been waiting for has finally arrived. To celebrate
the arrival of your bundle of joy together with you, we offer you New
Born Reward of up to RM 1,000 to purchase a new policy with us.
iMediCare Protects What is Important to You
iMediCare Takes Care of You
ALTERNATIVE CANCER TREATMENT1
You deserve the best treatment for a speedy recovery. On top
of mainstream cancer treatments (chemotherapy, radiotherapy,
targeted therapy & hormonal therapy), you can choose Alternative
Cancer Treatment for a better chance4 to fight your specific type
of cancer.
OUTPATIENT INFECTIOUS DISEASES COVERAGE
When dengue fever or Zika Virus strikes, the last thing you want
to worry about is medical costs. This plan offers coverage for
outpatient treatment, even for mild cases, so you can focus on
recovery.
(R&B) entitlement will be automatically increased by 10% every
two years up to a total increase of 50% if you do not make any
claims within that period.
iMediCare Takes Care of You
4 Before making any decision, you are advised to consult your healthcare provider. 5 The treatment shall be limited to Reasonable & Customary and Medically Necessary charges
for such equivalent local treatment in Malaysia. 6 From the day the Life Assured leaves Malaysia. 7 As at August 2020.
EXPERT MEDICAL OPINION
The right diagnosis, treatment and care are important in helping
with your recovery. With this plan, you can obtain additional medical
opinions on a particular diagnosis by your initial physician and your
best available treatment options from medical experts around the
world without the need to travel.
MEDICAL COVERAGE UP TO 120 CONSECUTIVE DAYS FOR
RESIDENCE OVERSEAS
You can now enjoy peace of mind wherever you are. Regardless
of whether you reside or travel overseas, any medical treatment5
received outside of Malaysia, except Singapore and Brunei in the
first 120 consecutive days6 is covered.
HASSLE FREE ADMISSION TO PANEL HOSPITALS
When you need treatment, you want access to the best hospital.
This plan lets you enjoy a hassle-free admission to more than 1507
panel hospitals nationwide.
1 Terms and conditions apply. Please refer to Product Disclosure Sheet/ Policy Document. 2 Or expiry age of the basic plan, whichever is earlier. 3 If Saver 500 is chosen, the policyholder must first pay a fixed amount of RM 500 out of the total
eligible claims on Hospital and Surgical Benefits for any hospital admission. If Co-Saver 10% is chosen, the policyholder must first pay 10% of the total eligible claims on Hospital and Surgical Benefits for any hospital admission, subject to a minimum of RM 500 and maximum of RM 3,000.
No. Benefits Plan 100 Plan 150 Plan 200 Plan 300 Plan 400 Plan 600
Hospital & Surgical Benefits
1. Hospital Room & Board (R&B) (per day; max 180 days per disability, each rider year)
100 150 200 300 400 600
2. Intensive Care Unit (max 180 days per disability, each rider year)
As Charged
6. Anaesthetist Fee
7. In Hospital Physician’s Visit (max 2 visits per day)
8. Organ Transplant (claimable once per lifetime)
9. Ambulance Fees
10. Medical Report Fee (per disability) 50
11. Lodger Benefit (per day; max 180 days per disability) 150
Outpatient Treatment Benefits
14. Pre-hospitalization Diagnostic Test (max 90 days prior to hospitalization)
15. Pre-hospitalization Treatment (max 90 days prior to hospitalization) 500
16. Post-hospitalization Treatment (max 180 days after hospitalization) As Charged
17. Outpatient Infectious Disease (Dengue, Zika Virus)
Up to 1,000 Up to 1,500 Up to 3,000
(each rider year)
(including consultation, examination tests and prescribed take-home drugs, except for any supplements.)
19.
As Charged (including consultation, examination tests and prescribed take-home drugs.)
Schedule Of Benefits (in Ringgit Malaysia)
No. Benefits Plan 100 Plan 150 Plan 200 Plan 300 Plan 400 Plan 600
Outpatient Treatment Benefits
20.
Alternative Cancer Treatment (in lieu of radiotherapy, chemotherapy, targeted therapy, hormonal therapy and immunotherapy; NOT claimable if in-patient or Outpatient Cancer Treatment has been claimed within 12 months on any cancer diagnosed)
Not Applicable
2,000 3,000 4,000 5,000 6,000
(claimable up to 2 times per life in a lump sum per month, payable for 12 months)
21. Home Nursing Care (max 150 days, each rider year)
Not Applicable
As Charged
22. Emergency Accidental Outpatient Treatment (within 48 hours from the accident)
As Charged
Other Benefits
23. Government Hospital Daily Cash (max 150 days per disability) 50 100 200
24. Pregnancy Complication Benefit (for female Life Assured only) Not
Applicable 5,000
25. New Born Reward (for both male & female Life Assured)
Not Applicable
500 1,000
(to own a policy, claimable once per lifetime in a lump sum, subject to 9 months waiting period)
26. Expert Medical Opinion (EMO) Available to all plans
27. Emergency Assistance Service & Benefits
28. No Claim Bonus Increment 10% of initial R&B for every 2 years cycle of no claim. (Up to a maximum of 150% of the initial R&B entitlement)
Overall ANNUAL LIMIT (applicable to benefits 1 to 23)
650,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000
LIFETIME LIMIT (applicable to benefits 1 to 23)
No Lifetime Limit
Saver or Co-Saver (applicable to Hospital and Surgical Benefits, i.e. benefit 1 to 11)
• Non-Saver (We shall reimburse the eligible expenses incurred.)
• Saver 500 (You enjoy 15% discount on the insurance charges of this rider and are required to pay RM 500 out of the total eligible claims for any hospital admission. We shall reimburse the excess.)
• Co-Saver 10% (You enjoy 30% discount on the insurance charges of this rider and are required to pay 10% of the total eligible claims for any hospital admission, subject to min RM 500 and max RM 3,000. We shall reimburse the excess.)
Schedule Of Benefits (in Ringgit Malaysia)
NCB up to 50%
Bell, age 35, non-smoker purchased iMediCare with plan details below:
• TokioMarine-iLifeSecure 2 Sum Assured of RM 100,000 (expiry age of 80)
• iMediCare Plan 200 (Room & Board 200) with Saver 500
• AcciShield Sum Assured of RM 100,000
• Monthly Premium: RM 265
She stayed healthy and does not make any claims. As a reward, her room and board (R&B) has increased to RM 220 (from RM 200) with No Claim Bonus from Nov 2023.
How Does iMediCare Work?
She got married and was pregnant. Unfortunately, she required emergency treatment due to eclampsia. She received RM 5,000 (Pregnancy Complication Benefit) for immediate medical attention.
Note: 2-year cycle for No Claim Bonus will be restarted from Nov 2024.
Bell was pregnant again. This time, her baby arrived safely and she utilized her New Born Reward worth RM 1,000 to purchase her child’s first policy.
iMediCare Saver 500
RM 16,165 (RM 265 x 61
months)
months)
Amount Paid by Bell 1 + 2
RM 16,665 (RM 16,165 +
RM 500) RM 17,995
Total Savings RM 1,330 (RM 17,995 – RM 16,665)
Bell’s medical room and board entitlement has increased to RM 240 from Nov 2026.
Bell broke her leg accidentally and was required to be hospitalized for treatment. Her total medical bill came up to a total of RM 21,000 with the breakdown below:
Room & Board Charges: RM 200 x 5 days = RM 1,000
Medical treatment expenses: RM 20,000
As there is a Saver 500, Bell only needs to pay RM 500 and iMediCare will cover the remaining RM 20,500 (RM 21,000 – RM 500).
She managed to get a total savings of RM 1,330 compared with the Non-Saver plan.
Scenario 1
Nov 2023
Mar 2024
Mar 2026
Mar 2027
Sam, age 50, non-smoker purchased iMediCare with plan details below:
• TokioMarine-iLifeSecure 2 Sum Assured of RM 100,000 (expiry age of 80)
• iMediCare Plan 200 (Room & Board 200) with Co-Saver 10% (subject to 10% of the eligible claims, with minimum RM 500 and capped at RM 3,000)
• AcciShield Sum Assured of RM 100,000
• Monthly Premium: RM 455
He stayed healthy and does not make any claims. As a reward, his room and board (R&B) has increased to RM 220 (from RM 200) with No Claim Bonus from Jan 2023.
Jan 2021
Jan 2023
May 2027
iMediCare Non-Saver
RM 29,575 (RM 455 x 65
months)
months)
min RM 500; capped at RM 3,000)
Not Applicable
Total Savings RM 5,125 (RM 37,700 – RM 32,575)
He was diagnosed with prostate cancer and was required to undergo cancer treatment.
His total medical bill came up to a total of RM 54,000 with the breakdown below:
Room & Board Charges: RM 200 x 20 days = RM 4,000
In-hospital Cancer treatment expenses: RM 50,000
As the Co-Saver 10% is capped at RM 3,000, Sam only needs to pay RM 3,000 and iMediCare will cover the remaining RM 51,000 (RM 54,000 – RM 3,000).
He managed to get a total savings of RM 5,125 compared with the Non-Saver/Co-Saver plan.
Sam was diagnosed with liver cancer. For this round, he opted for alternative cancer treatment instead of mainstream treatment after consulting his doctor. Sam will receive RM 3,000 per month for 12 consecutive months for such alternative cancer treatment.
Aug 2035
Frequently Asked Question (FAQ)
1. Who is eligible to apply for this plan? Anyone aged between 30 days to 70 years old (age next birthday). It is also
available to pre-birth child from 12 weeks onwards with a waiting period of 30 days from the date of birth.
2. How does the No Claim Bonus (NCB) work? The NCB rewards you with a 10% increase in the initial Hospital Room & Board
entitlement if no claim was made in the preceding 2-year period, up to a maximum increment of 50%. Once a claim has been made (& approved), the 2-year cycle will be restarted from the subsequent rider anniversary.
3. Do I have to bear any of the expenses incurred for hospitalisation and surgery? There are several instances that you may have to bear part of the expenses for
hospitalization and surgery:
• If you select the Saver 500 option, you will need to pay a fixed amount of RM 500 out of the total eligible claims incurred on Hospital and Surgical Benefits for any hospital admission, while we will take care of the balance of the eligible claims.
• If you select the Co-Saver 10% option, you will need to pay 10% of the total eligible claims incurred on Hospital and Surgical Benefits for any hospital admission, subject to a minimum amount of RM 500 and capped at RM 3,000, while we will take care of the balance of the eligible claims.
• If your actual Hospital Room and Board charges exceed your plan’s eligibility, you will need to pay for the difference in the Hospital Room & Board rates.
• You may also need to pay for itemized charges that are not covered under this plan.
4. How does Expert Medical Opinion (EMO) work? Expert Medical Opinion offers you the opportunity to have your medical diagnosis
and recommended treatment by your initial physician analysed by renowned medical experts, regardless of where they are located. To obtain an opinion, you simply have to call the designated phone number at the reverse side of your card; a doctor will be assigned to guide you through your case so that the relevant expert can be engaged to provide you with an opinion.
5. Am I entitled for international coverage? The eligible medical expenses are covered when you reside or travel in Singapore
and Brunei. Coverage is also available in other countries in the first 120 consecutive days from the date you leave Malaysia. Please refer to the list of exclusions for causes specifically excluded. Terms and conditions apply.
6. Is my iMediCare eligible for tax relief? Your premiums apportioned to this rider may qualify you for income tax relief,
subject to the approval of the Inland Revenue Board.
7. I am not a Malaysian, can I sign-up for iMediCare? Yes, as long as you have a permanent Malaysian correspondence address you can
sign-up for iMediCare. However, additional terms & conditions may be applicable.
8. Can I still claim from iMediCare if my employer has already paid for my medical bills? Medical bills that have been paid for will not be claimable under any other form of
medical reimbursement insurance. However, if there is any balance of outstanding medical bills that you have not been reimbursed for, you may submit a claim to us for us to assess its eligibility.
9. Is there any waiting periods that I should be aware of?
Benefits Waiting period
Any illnesses including pregnancy complications other than Specified Illnesses
30 days based on the rider effective date, date of birth of the Life Assured or reinstatement date, whichever is later.
Specified Illnesses 120 days based on the rider effective date or reinstatement date, whichever is later.
New Born Reward 9 months based on the rider effective date or reinstatement date, whichever is later.
10. What are the Insurance Charges?
Assuming that you are categorized as a standard life and there is no loading to be applied, the insurance charge for Non-Saver, Saver 500 and Co-Saver 10% are as per the table below:
Non-Saver
Age Band (Attained Age Next Birthday)
Plan 100 Plan 150 Plan 200 Plan 300 Plan 400 Plan 600
Pre-birth 0 0 0 0 0 0 1 to 5 692 805 934 1,318 1,783 2,423
6 to 19 511 594 690 844 1,145 1,560 20 to 25 620 726 846 1,135 1,536 2,120 26 to 30 653 763 892 1,167 1,580 2,180 31 to 35 678 794 931 1,264 1,719 2,360 36 to 40 727 853 1,011 1,190 1,575 2,161 41 to 45 873 1,029 1,221 1,529 2,106 2,902 46 to 50 1,056 1,247 1,479 1,744 2,205 2,810 51 to 55 1,432 1,699 2,059 2,427 3,105 3,950 56 to 60 1,854 2,205 2,676 3,154 4,039 5,583 61 to 65 2,844 3,386 4,136 4,831 6,186 9,005 66 to 70 4,293 5,118 6,300 7,357 9,507 11,901
71 to 75* 6,188 7,391 9,143 10,680 13,883 15,819 76 to 80* 8,768 10,480 12,976 15,161 19,718 22,476 81 to 85* 12,392 14,811 18,350 21,436 27,888 31,788 86 to 90* 14,330 17,134 21,233 25,160 32,281 36,792 91 to 95* 16,958 20,276 25,127 29,774 38,201 43,540 96 to 99* 20,068 23,995 29,735 35,235 45,207 51,525
Saver 500
Pre-birth 0 0 0 0 0 0 1 to 5 588 684 793 1,120 1,515 2,059
6 to 19 434 504 586 717 973 1,326 20 to 25 527 617 719 964 1,305 1,802 26 to 30 555 648 758 991 1,343 1,853 31 to 35 576 674 791 1,074 1,461 2,006 36 to 40 617 725 859 1,011 1,338 1,836 41 to 45 742 874 1,037 1,299 1,790 2,466 46 to 50 897 1,059 1,257 1,482 1,874 2,388 51 to 55 1,217 1,444 1,750 2,062 2,639 3,357 56 to 60 1,575 1,874 2,274 2,680 3,433 4,745 61 to 65 2,417 2,878 3,515 4,106 5,258 7,654 66 to 70 3,649 4,350 5,355 6,253 8,080 10,115
71 to 75* 5,259 6,282 7,771 9,078 11,800 13,446 76 to 80* 7,452 8,908 11,029 12,886 16,760 19,104 81 to 85* 10,533 12,589 15,597 18,220 23,704 27,019 86 to 90* 12,180 14,563 18,048 21,386 27,438 31,273 91 to 95* 14,414 17,234 21,357 25,307 32,470 37,009 96 to 99* 17,057 20,395 25,274 29,949 38,425 43,796
Co-Saver 10%
Pre-birth 0 0 0 0 0 0 1 to 5 484 563 653 922 1,248 1,696
6 to 19 357 415 483 590 801 1,092 20 to 25 434 508 592 794 1,075 1,484 26 to 30 457 534 624 816 1,106 1,526 31 to 35 474 555 651 884 1,203 1,652 36 to 40 508 597 707 833 1,102 1,512 41 to 45 611 720 854 1,070 1,474 2,031 46 to 50 739 872 1,035 1,220 1,543 1,967 51 to 55 1,002 1,189 1,441 1,698 2,173 2,765 56 to 60 1,297 1,543 1,873 2,207 2,827 3,908 61 to 65 1,990 2,370 2,895 3,381 4,330 6,303 66 to 70 3,005 3,582 4,410 5,149 6,654 8,330
71 to 75* 4,331 5,173 6,400 7,476 9,718 11,073 76 to 80* 6,137 7,336 9,083 10,612 13,802 15,733 81 to 85* 8,674 10,367 12,845 15,005 19,521 22,251 86 to 90* 10,031 11,993 14,863 17,612 22,596 25,754 91 to 95* 11,870 14,193 17,588 20,841 26,740 30,478 96 to 99* 14,047 16,796 20,814 24,664 31,644 36,067
*Renewal only
Non-Saver
Pre-birth 0 0 0 0 0 0 1 to 5 705 822 934 1,279 1,754 2,418
6 to 19 521 607 690 819 1,119 1,539 20 to 25 672 784 900 1,273 1,749 2,413 26 to 30 763 893 1,031 1,308 1,799 2,480 31 to 35 775 911 1,058 1,399 1,926 2,658 36 to 40 820 964 1,125 1,326 1,764 2,435 41 to 45 974 1,148 1,330 1,566 2,152 2,971 46 to 50 1,090 1,288 1,495 1,763 2,221 2,877 51 to 55 1,401 1,662 1,974 2,325 2,966 3,826 56 to 60 1,686 2,002 2,377 2,802 3,572 4,683 61 to 65 2,710 3,221 3,869 4,517 5,809 7,919 66 to 70 3,886 4,635 5,591 6,527 8,441 10,817
71 to 75* 5,345 6,377 7,725 9,023 11,699 13,583 76 to 80* 7,676 9,171 11,120 12,991 16,865 19,222 81 to 85* 10,845 12,963 15,720 18,362 23,842 29,941 86 to 90* 12,542 14,991 18,187 21,243 27,843 38,575 91 to 95* 15,549 18,586 22,547 26,337 34,519 47,824 96 to 99* 18,401 21,995 26,682 31,167 40,849 56,596
Saver 500
Pre-birth 0 0 0 0 0 0 1 to 5 599 698 793 1,087 1,490 2,055
6 to 19 442 515 586 696 951 1,308 20 to 25 571 666 765 1,082 1,486 2,051 26 to 30 648 759 876 1,111 1,529 2,108 31 to 35 658 774 899 1,189 1,637 2,259 36 to 40 697 819 956 1,127 1,499 2,069 41 to 45 827 975 1,130 1,331 1,829 2,525 46 to 50 926 1,094 1,270 1,498 1,887 2,445 51 to 55 1,190 1,412 1,677 1,976 2,521 3,252 56 to 60 1,433 1,701 2,020 2,381 3,036 3,980 61 to 65 2,303 2,737 3,288 3,839 4,937 6,731 66 to 70 3,303 3,939 4,752 5,547 7,174 9,194
71 to 75* 4,543 5,420 6,566 7,669 9,944 11,545 76 to 80* 6,524 7,795 9,452 11,042 14,335 16,338 81 to 85* 9,218 11,018 13,362 15,607 20,265 25,449 86 to 90* 10,660 12,742 15,458 18,056 23,666 32,788 91 to 95* 13,216 15,798 19,164 22,386 29,341 40,650 96 to 99* 15,640 18,695 22,679 26,491 34,721 48,106
Co-Saver 10%
Pre-birth 0 0 0 0 0 0 1 to 5 492 574 652 894 1,226 1,691
6 to 19 363 423 482 572 782 1,076 20 to 25 469 547 629 890 1,223 1,688 26 to 30 533 624 720 914 1,258 1,735 31 to 35 541 636 739 978 1,347 1,859 36 to 40 573 673 786 927 1,233 1,703 41 to 45 680 802 930 1,095 1,505 2,078 46 to 50 762 900 1,045 1,233 1,553 2,012 51 to 55 979 1,162 1,380 1,626 2,075 2,677 56 to 60 1,179 1,400 1,662 1,960 2,499 3,277 61 to 65 1,896 2,253 2,707 3,160 4,065 5,542 66 to 70 2,719 3,243 3,912 4,567 5,907 7,570
71 to 75* 3,740 4,462 5,406 6,315 8,188 9,507 76 to 80* 5,372 6,418 7,783 9,092 11,804 13,454 81 to 85* 7,590 9,073 11,003 12,852 16,688 20,957 86 to 90* 8,778 10,492 12,729 14,869 19,489 27,001 91 to 95* 10,883 13,009 15,781 18,434 24,162 33,475 96 to 99* 12,879 15,395 18,676 21,815 28,593 39,616
*Renewal only
11. Are there any benefit limitations? This rider does not cover hospitalisation, surgery or charges caused directly or
indirectly, wholly or partly, by any one (1) of the following occurrences:
(a) pre-existing illness;
(b) specified illnesses occurring during the first 120 days of continuous cover;
(c) any medical or physical conditions arising within the first 30 days of the Life Assured’s cover, date of reinstatement of the rider or date of birth of the Life Assured, whichever is later except for accidental injuries;
(d) plastic/cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof;
(e) dental conditions including dental treatment or oral surgery except as necessitated by accidental injuries to sound natural teeth occurring wholly during the period of insurance;
(f) private nursing, rest cures or sanitaria care, illegal drugs, influence of alcohol, sterilization, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law;
(g) any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions;
(h) pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical and chemical contraceptive methods of birth control or treatment pertaining to infertility, with exceptions to the benefits as provided under the Pregnancy Complications Benefit. Erectile dysfunction and tests or treatment related to impotence or sterilization;
(i) hospitalization primarily or investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a physician, and treatments specifically for weight reduction or gain;
(j) suicide, attempted suicide or intentionally self-inflicted injury while sane or insane;
(k) war or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection;
(l) ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material;
(m) expenses incurred for donation of any body organ by an Life Assured and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications;
(n) investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bone setting, herbalist treatment, massage or aroma therapy or other alternative treatment, with exceptions to the benefit as provided under the Alternative Cancer Treatment;
(o) care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Life Assured and Disabilities arising out of duties of employment or profession that is covered under a Workman Compensation Insurance contract;
(p) psychotic, mental or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations);
(q) costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other in eligible non-medical items;
(r) sickness or injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities;
(s) private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes;
(t) expenses incurred for sex changes.
This list is non-exhaustive. Please refer to the sample policy contract for the terms and conditions under this plan.
12. Who can I reach if I need more information? If you wish to know more about this plan, please contact your agent. Alternatively,
we are also contactable via email at [email protected].
What are some important notes that I need to know?
1. iMediCare is a unit deducting rider attachable to the selected regular premium investment-linked plans.
2. This brochure provides a summary of the product features. It does not constitute a contract of insurance. Please refer to the sample policy documents, Product Disclosure Sheet (PDS) and sales illustration for detailed benefits, exclusions, terms and conditions before deciding on your purchase of this plan. You should ensure that important information regarding this plan is disclosed to you and that you understand the information disclosed. If there is any ambiguity, you should seek clarification from us.
3. You should ensure that this rider suits your needs and the amount of insurance charges payable under this rider is an amount that you can afford.
4. Buying life insurance is a long term commitment. If you surrender the policy in the early years, the amount you get back may be less than the amount that you have paid.
5. We may alter any provisions, terms, conditions and benefits of iMediCare by giving 90 days advance notice to you.
6. The insurance charges payable for this rider is not guaranteed and we reserve the right to revise the rate applicable by giving 90 days advance notice to you. The revision of the rate, is any, will aim to reflect our medical claim experience, medical inflation, advancement in medical technology and other justified circumstance.
7. Possible higher insurance charge, imposition of extra loading, limitation and exclusion of certain benefits and coverage, new waiting period or even total exclusion of coverage may result if you switch from one type of medical and health plan to another or from one insurance company to another.
8. If you have received compensation or reimbursement of the medical expense incurred from any other medical insurance, employee benefit or Government law and program, the benefit payable under this plan shall be limited to the balance that is not yet reimbursed.
9. You have 15 days to review your plan from the date of delivery of this policy documents. If for any reason you decide not to continue with the plan, you may cancel your plan by submitting to us a written request within the 15 days period for a refund of the full insurance charges deducted from your plan, less any medical expenses incurred and your policy shall be cancelled accordingly.
10. Tokio Marine Life Insurance Malaysia Bhd. is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE
OF THE UNDERLYING ASSET, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUST.
Diariku,
Hari ini merupakan hari jadiku. Aku telah melalui segenap fasa kehidupan yang sangat bermakna – berkahwin, berhamil dan mengalami komplikasi kehamilan, menjadi ibu, menerima rawatan kanser (termasuk sesi akupunktur) dan akhirnya kembali sihat. Aku bersyukur terhadap keputusan untuk mendaftar dengan iMediCare pada 10 tahun yang lalu. iMediCare telah banyak membantuku sewaktu detik-detik kesukaran itu. Aku juga bersyukur suamiku bersetuju dan turut sama mendaftar pelan ini. Malah, iMediCare telah melindunginya semasa dia dijangkiti deman denggi tahun lepas! Aku berasa syukur atas semua ini. Aku berharap agar dapat terus menyambut hari jadi dan mencipta kenangan indah bersama suami dan anak-anak saya tersayang!
16 November 2030
TINGGI
kesihatan sepanjang hayat yang memberikan perlindungan
perubatan sehingga usia 992 tahun serta had tahunan tinggi
sehingga RM 3 juta.
CO-SAVER 10%)3
anda. Selain daripada pelan Non-Saver, anda boleh memilih pelan
Saver 500 atau Co-Saver 10% untuk menikmati jimat premium
tanpa menjejaskan liputan perlindungan anda. Malah, anda dapat
menikmati penjimatan sehingga 30% daripada kos insurans rider ini.
MANFAAT KOMPLIKASI KEHAMILAN1
perlindungan manfaat komplikasi kehamilan.
permata kesayangan bersama dengan anda, kami menawarkan
Ganjaran Kelahiran Anak sehingga RM 1,000 untuk membeli polisi
baharu dengan kami.
segera. Di samping rawatan kanser utama (kemoterapi,
radioterapi, terapi sasaran & hormona terapi), anda boleh memilih
Rawatan Kanser Alternatif untuk menghadapi kanser yang anda
alami secara khusus dengan peluang pemulihan yang lebih tinggi4.
PERLINDUNGAN PENYAKIT BERJANGKIT PESAKIT LUAR
Jika anda dijangkiti demam denggi atau Virus Zika, anda tidak perlu
risau terhadap kos perubatan. Pelan ini menawarkan perlindungan
terhadap rawatan pesakit luar, walaupun untuk kes ringan, agar
anda dapat fokus pada proses pemulihan.
BONUS TANPA TUNTUTAN
manfaat Bilik & Penginapan anda (R&B) akan dinaikkan secara
automatik sebanyak 10% setiap dua tahun sehingga jumlah
peningkatan sebanyak 50% jika anda tidak membuat sebarang
tuntutan dalam jangka masa tersebut.
iMediCare Menjaga Kebajikan Anda
1 Tertakluk kepada terma dan syarat. Sila rujuk Risalah Pendedahan Produk/Dokumen Polisi. 2 Atau umur luput bagi pelan asas, mengikut mana-mana yang mana lebih awal. 3 Sekiranya Saver 500 dipilih, pemegang polisi dikehendaki membayar jumlah tetap RM 500
daripada jumlah tuntutan yang layak dalam Manfaat Hospital dan Pembedahan untuk sebarang kemasukan ke hospital. Sekiranya Co-Saver 10% dipilih, pemegang polisi dikehendaki membayar 10% daripada jumlah tuntutan yang layak dalam Manfaat Hospital dan Pembedahan untuk sebarang kemasukan ke hospital, tertakluk kepada amaun minimum RM 500 dan maksimum RM 3,000.
4 Sebelum membuat sebarang keputusan, anda dinasihatkan untuk merujuk kepada pihak penyedia perkhidmatan kesihatan anda.
5 Rawatan adalah terhad kepada caj Munasabah & Biasa Diamalkan dan Perlu Dari Segi Perubatan untuk rawatan tempatan setara di Malaysia.
6 Dari tarikh Orang yang Diinsuranskan meninggalkan Malaysia. 7 Pada Ogos 2020.
NASIHAT PERUBATAN PAKAR
nasihat perubatan tambahan mengenai diagnosis tertentu oleh
doktor awal anda dan pilihan rawatan terbaik daripada pakar
perubatan di seluruh dunia tanpa memerlukan perjalanan.
PERLINDUNGAN PERUBATAN SEHINGGA 120 HARI
BERTURUT-TURUT APABILA TINGGAL DI LUAR NEGARA
Anda kini boleh menikmati ketenangan fikiran di mana-mana sahaja
anda berada. Tidak kira sama ada anda tinggal atau melancong ke
luar negara, mana-mana rawatan perubatan5 yang diterima di luar
Malaysia, kecuali Singapura dan Brunei adalah dilindungi dalam
120 hari pertama berturut-turut6 .
Apabila anda memerlukan rawatan, sudah tentu anda ingin
mendapatkan perkhidmatan daripada hospital terbaik. Dengan
pelan ini, anda dapat menikmati proses kemasukan mudah dan
pantas ke lebih daripada 1507 buah hospital panel seluruh negara.
No. Manfaat Pelan 100 Pelan 150 Pelan 200 Pelan 300 Pelan 400 Pelan 600
Manfaat Hospital & Pembedahan
1. Bilik & Penginapan Hospital (R&B) (sehari, maks. 180 hari setiap hilang upaya, setiap tahun rider)
100 150 200 300 400 600
2. Unit Rawatan Rapi (maks. 180 hari setiap hilang upaya, setiap tahun rider)
Seperti yang Dicaj
7. Lawatan Doktor dalam Hospital (maks. 2 lawatan setiap hari)
8. Pemindahan Organ (dituntut sekali seumur hidup)
9. Yuran Ambulans
10. Yuran Laporan Perubatan (setiap hilang upaya) 50
11. Manfaat Penginap (sehari, maks. 180 hari setiap hilang upaya) 150
Manfaat Rawatan Pesakit Luar
12. Manfaat Pembedahan Harian
Seperti yang Dicaj13. Rundingan Pra Kemasukan Hospital (maks. 90 hari sebelum penghospitalan – maks. satu kali rundingan pakar atau doktor am)
14. Ujian Diagnostik Pra Kemasukan Hospital (maks. 90 hari sebelum penghospitalan)
15. Rawatan Pra Kemasukan Hospital (maks. 90 hari sebelum penghospitalan) 500
16. Rawatan Selepas Kemasukan Hospital (maks. 180 hari selepas penghospitalan)
Seperti yang Dicaj
17. Rawatan Penyakit Berjangkit Pesakit Luar (Deman Denggi, Virus Zika)
Sehingga 1,000 Sehingga 1,500 Sehingga 3,000
(setiap tahun rider)
18. Rawatan Dialisis Buah Pinggang Pesakit Luar Seperti yang Dicaj
(termasuk rundingan, ujian pemeriksaan dan perubatan dipreskripsikan yang dibawa pulang, kecuali sebarang suplemen)
19. Rawatan Kanser Pesakit Luar (radioterapi, kemoterapi, terapi sasaran, terapi hormon, immunoterapi, tuntutan TIDAK DIBENARKAN jika Rawatan Kanser Alternatif telah dituntut dalam tempoh 12 bulan bagi mana-mana kanser yang didiagnosis)
Seperti yang Dicaj (termasuk rundingan, ujian pemeriksaan dan perubatan dipreskripsikan yang dibawa pulang)
Jadual Manfaat (Dalam Ringgit Malaysia)
No. Manfaat Pelan 100 Pelan 150 Pelan 200 Pelan 300 Pelan 400 Pelan 600
Manfaat Rawatan Pesakit Luar
Rawatan Kanser Alternatif (selain daripada radioterapi, kemoterapi, terapi sasaran, terapi hormon dan imunoterapi, tuntutan TIDAK DIBENARKAN jika Rawatan Kanser Pesakit Dalam atau Luar telah dituntut dalam tempoh 12 bulan bagi mana-mana kanser yang didiagnosis)
Tidak Terpakai
2,000 3,000 4,000 5,000 6,000
(boleh dituntut sehingga 2 kali seumur hidup dalam bayaran bulanan sekaligus, dibayar selama 12 bulan)
21. Penjagaan Kejururawatan Dalam Rumah (maks. 150 hari setiap tahun rider)
Tidak Terpakai
Seperti yang Dicaj
22. Rawatan Kecemasan Kemalangan Pesakit Luar (dalam tempoh 48 jam selepas kemalangan)
Seperti yang Dicaj
Manfaat Lain
23. Pendapatan Tunai Harian Hospital Kerajaan (maks. 150 hari setiap hilang upaya)
50 100 200
Tidak Terpakai
25. Ganjaran Kelahiran Anak (untuk Orang yang Diinsuranskan Lelaki & Perempuan)
Tidak Terpakai
500 1,000
(Untuk memiliki polisi, boleh dituntut sekali seumur hidup secara sekaligus, tertakluk kepada tempoh menunggu 9 bulan)
26. Nasihat Pakar Perubatan (EMO) Terpakai untuk semua pelan
27. Perkhidmatan & Manfaat Bantuan Kecemasan
28. Bonus Tanpa Tuntutan Kenaikan 10% pada kadar R&B asal bagi setiap kitaran 2 tahun tanpa tuntutan (sehingga maksimum 150% daripada kadar R&B asal)
HAD TAHUNAN Keseluruhan (terpakai untuk manfaat 1 hingga 23)
650,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000
HAD SEUMUR HIDUP (terpakai untuk manfaat 1 hingga 23)
Tiada Had Seumur Hidup
Saver atau Co-Saver (terpakai untuk Manfaat Hospital dan Pembedahan, iaitu manfaat 1 hingga 11)
• Non-Saver (Kami akan membayar balik perbelanjaan yang layak yang dikenakan.)
• Saver 500 (Anda menikmati diskaun 15% bagi caj insurans rider ini dan perlu membayar RM 500 daripada jumlah tuntutan yang layak untuk mana-mana kemasukan hospital. Kami akan membayar balik amaun lebihan.)
• Co-Saver 10% (Anda menikmati diskaun 30% bagi caj insurans rider ini dan perlu membayar 10% daripada jumlah tuntutan yang layak untuk mana-mana kemasukan hospital, tertakluk kepada min RM 500 dan maks. RM 3,000. Kami akan membayar balik amaun lebihan.)
Jadual Manfaat (Dalam Ringgit Malaysia)
NCB up to 50%
Bell, berumur 35 tahun, bukan perokok telah membeli pelan iMediCare dengan butiran-butiran seperti berikut:
• Jumlah Diinsuranskan TokioMarine-iLifeSecure 2 sebanyak RM 100,000 (luput pada umur 80 tahun)
• Pelan iMediCare 200 (Bilik & Penginapan 200) dengan Saver 500
• Jumlah Diinsuranskan AcciShield sebanyak RM 100,000
• Premium Bulanan: RM 265
Dia kekal sihat dan tidak membuat sebarang tuntutan. Sebagai ganjaran, manfaat bilik dan penginapan (R&B) telah dinaikkan kepada RM 220 (daripada RM 200) dengan Bonus Tanpa Tuntutan bermula Nov 2023.
Bagaimana iMediCare Dapat Membantu Anda?
Dia telah berkahwin dan hamil. Malangnya, dia memerlukan rawatan kecemasan kerana masalah eklampsia. Dia menerima RM 5,000 (Manfaat Komplikasi Kehamilan) untuk keperluan perubatan segera.
Nota: Kitaran 2-tahun untuk Bonus Tanpa Tuntutan akan dimulakan semula dari Nov 2024.
Situasi 1
Nov 2023
Mac 2024
Nov 2021
Bell hamil lagi. Kali ini, bayinya lahir dengan selamat dan dia menggunakan manfaat Ganjaran Kelahiran Anak bernilai RM 1,000 untuk membeli polisi pertama anaknya.
iMediCare Saver 500
RM 16,165 (RM 265 x 61
bulan)
bulan)
Amaun Dibayar oleh Bell 1 + 2
RM 16,665 (RM 16,165 +
RM 500) RM 17,995
Jumlah Jimat RM 1,330 (RM 17,995 – RM 16,665)
Kelayakan bilik dan penginapan perubatan Bell telah meningkat kepada RM 240 bermula Nov 2026.
Kaki Bell terpatah akibat kemalangan dan dia perlu dimasukkan ke hospital untuk rawatan. Keseluruhan bil perubatannya berjumlah RM 21,000 dengan butiran seperti berikut:
Caj Bilik & Penginapan: RM 200 x 5 hari = RM 1,000
Perbelanjaan rawatan perubatan: RM 20,000
Memandangkan terdapat pelan Saver 500, Bell hanya perlu membayar RM 500 dan iMediCare akan menanggung jumlah baki RM 20,500 (RM 21,000 – RM 500).
Dia dapat berjimat sebanyak RM 1,330 berbanding dengan pelan Non Saver.
Mac 2026
Mac 2027
Situasi 2
iMediCare
Sam, berumur 50 tahun, bukan perokok telah membeli pelan iMediCare dengan butiran-butiran seperti berikut:
• Jumlah Diinsuranskan TokioMarine-iLifeSecure 2 sebanyak RM 100,000 (luput pada umur 80 tahun)
• Pelan iMediCare 200 (Bilik & Penginapan 200) dengan Co-Saver 10% (tertakluk pada 10% daripada tuntutan layak, dengan minimum RM 500 dan maksimum RM 3,000)
• Jumlah Diinsuranskan AcciShield RM 100,000
• Premium Bulanan: RM 455
Dia kekal sihat dan tidak membuat sebarang tuntutan. Sebagai ganjaran, manfaat bilik dan penginapan (R&B) telah dinaikkan kepada RM 220 (daripada RM 200) dengan Bonus Tanpa Tuntutan bermula Jan 2023.
Jan 2021
Jan 2023
Mei 2027
iMediCare Non-Saver
RM 29,575 (RM 455 x 65
bulan)
bulan)
min RM 500; maks RM 3,000)
Tidak Terpakai
RM 32,575 (RM 29,575 +
RM 3,000) RM 37,700
Jumlah Jimat RM 5,125 (RM 37,700 – RM 32,575)
Dia telah didiagnosis dengan penyakit kanser prostat dan perlu menjalani rawatan kanser.
Keseluruhan bil perubatannya berjumlah RM 54,000 dengan butiran seperti berikut:
Caj Bilik dan Penginapan: RM 200 x 20 hari = RM 4,000
Perbelanjaan rawatan Kanser dalam hospital: RM 50,000
Memandangkan pelan Co-Saver 10% menetapkan amaun maksimum RM 3,000, Sam hanya perlu membayar RM 3,000 dan iMediCare akan menanggung jumlah RM 51,000 (RM 54,000 – RM 3,000).
Dia dapat berjimat sebanyak RM 5,125 berbanding dengan pelan Non-Saver/Co-Saver.
Sam didiagnosis dengan kanser hati. Kali ini, dia memilih rawatan kanser alternatif daripada rawatan utama selepas mendapatkan rundingan doktor. Sam akan menerima RM 3,000 setiap bulan selama 12 bulan berturut-turut bagi rawatan kanser alternatif tersebut.
Ogos 2035
Soalan Lazim (FAQ)
1. Siapa yang layak memohon pelan ini? Mana-mana individu berumur dari 30 hari hingga 70 tahun (umur pada hari jadi
seterusnya). Pelan ini juga tersedia untuk bayi dalam kandungan bermula dari 12 minggu dan seterusnya dengan tempoh menunggu 30 hari dari tarikh lahir.
2. Bagaimana Bonus Tanpa Tuntutan (NCB) membantu Anda? NCB memberi ganjaran kepada anda dengan kenaikan 10% bagi kelayakan
manfaat Bilik & Penginapan Hospital asal jika tiada tuntutan dibuat dalam tempoh 2 tahun sebelumnya, sehingga kenaikan maksimum 50%. Setelah tuntutan dibuat (& diluluskan), kitaran 2 tahun akan bermula semula dari ulang tahun rider yang berikutnya.
3. Adakah saya perlu menanggung apa-apa perbelanjaan yang dikenakan untuk kemasukan hospital dan pembedahan?
Terdapat beberapa keadaan yang mungkin memerlukan anda untuk menanggung perbelanjaan hospital dan pembedahan:
• Sekiranya anda memilih opsyen Saver 500, anda dikehendaki membayar jumlah tetap RM 500 daripada jumlah tuntutan yang layak bagi Manfaat Hospital dan Pembedahan untuk sebarang kemasukan ke hospital dan kami akan menanggung baki tuntutan yang layak itu.
• Sekiranya anda memilih opsyen Co-Saver 10%, anda dikehendaki membayar 10% daripada jumlah tuntutan yang layak bagi Manfaat Hospital dan Pembedahan untuk sebarang kemasukan ke hospital, tertakluk kepada amaun minimum RM 500 dan maksimum RM 3,000, dan kami akan membayar baki tuntutan yang layak itu.
• Sekiranya caj Bilik dan Penginapan Hospital anda yang sebenar melebihi kelayakan pelan anda, anda perlu membayar perbezaan kadar Bilik & Penginapan Hospital.
• Anda juga mungkin perlu membayar caj terperinci yang tidak dilindungi di bawah pelan ini.
4. Bagaimana Nasihat Perubatan Pakar (EMO) Membantu Anda? Nasihat Perubatan Pakar memberikan anda peluang untuk mendapatkan
diagnosis perubatan dan rawatan yang disyorkan oleh doktor awal anda, dianalisis oleh pakar perubatan terkemuka, tidak kira di mana mereka berada. Untuk mendapatkan nasihat pakar, anda hanya perlu menghubungi nombor telefon yang berada di bahagian belakang kad perubatan anda; seorang doktor akan ditugaskan untuk memberi panduan kepada kes anda supaya pakar yang berkenaan dapat dihubungi untuk memberikan nasihat perubatan.
5. Adakah saya layak mendapat perlindungan antarabangsa? Perbelanjaan perubatan yang layak adalah dilindungi semasa anda menetap
atau melancong di Singapura dan Brunei. Perlindungan juga tersedia di negara lain dalam tempoh 120 hari pertama berturut-turut dari tarikh anda meninggalkan Malaysia. Sila rujuk senarai pengecualian untuk sebab-sebab khusus yang dikecualikan. Tertakluk kepada terma dan syarat.
6. Adakah iMediCare saya layak untuk pelepasan cukai? Premium anda yang diagihkan kepada rider ini mungkin melayakkan anda
mendapat pelepasan cukai pendapatan, tertakluk pada kelulusan Lembaga Hasil Dalam Negeri.
7. Saya bukan warganegara Malaysia, tetapi bolehkan saya mendaftar untuk iMediCare?
Ya, selagi anda mempunyai alamat surat-menyurat tetap di Malaysia, anda boleh mendaftar untuk iMediCare. Walau bagaimanapun, terma & syarat tambahan mungkin terpakai.
8. Adakah saya masih boleh membuat tuntutan daripada iMediCare sekiranya majikan saya telah membayar bil perubatan saya?
Bil perubatan yang telah dibayar tidak boleh dituntut di bawah apa-apa jua bentuk insurans perubatan yang lain. Walau bagaimanapun, jika terdapat baki bil perubatan tertunggak yang belum dibayar oleh anda, anda boleh menyerahkan tuntutan tersebut kepada kami agar kami dapat menilai kelayakannya.
9. Adakah terdapat sebarang tempoh menunggu yang perlu saya ketahui?
Manfaat Tempoh menunggu
30 hari berdasarkan tarikh kuatkuasa rider, tarikh lahir Orang yang Diinsuranskan atau tarikh pengembalian semula, mengikut mana-mana yang lebih kemudian.
Penyakit Tertentu 120 hari berdasarkan tarikh kuatkuasa rider atau tarikh pengembalian semula, mengikut mana-mana yang lebih kemudian.
Ganjaran Kelahiran Anak 9 bulan berdasarkan tarikh kuatkuasa rider atau tarikh pengembalian semula, mengikut mana-mana yang lebih kemudian.
10. Apakah Caj-caj Insurans yang terlibat?
Andaian bahawa anda dikategorikan sebagai hayat standard dan tidak dikenakan dengan caj tambahan, caj insurans untuk Non-Saver, Saver 500 dan Co-Saver 10% adalah seperti dalam jadual di bawah:
Soalan Lazim (FAQ)
Non-Saver
Berikut Dicapai)
Pelan 100
Pelan 150
Pelan 200
Pelan 300
Pelan 400
Pelan 600
Pra-lahir 0 0 0 0 0 0 1 hingga 5 692 805 934 1,318 1,783 2,423
6 hingga 19 511 594 690 844 1,145 1,560 20 hingga 25 620 726 846 1,135 1,536 2,120 26 hingga 30 653 763 892 1,167 1,580 2,180 31 hingga 35 678 794 931 1,264 1,719 2,360 36 hingga 40 727 853 1,011 1,190 1,575 2,161 41 hingga 45 873 1,029 1,221 1,529 2,106 2,902 46 hingga 50 1,056 1,247 1,479 1,744 2,205 2,810 51 hingga 55 1,432 1,699 2,059 2,427 3,105 3,950 56 hingga 60 1,854 2,205 2,676 3,154 4,039 5,583 61 hingga 65 2,844 3,386 4,136 4,831 6,186 9,005 66 hingga 70 4,293 5,118 6,300 7,357 9,507 11,901
71 hingga 75* 6,188 7,391 9,143 10,680 13,883 15,819 76 hingga 80* 8,768 10,480 12,976 15,161 19,718 22,476 81 hingga 85* 12,392 14,811 18,350 21,436 27,888 31,788 86 hingga 90* 14,330 17,134 21,233 25,160 32,281 36,792 91 hingga 95* 16,958 20,276 25,127 29,774 38,201 43,540 96 hingga 99* 20,068 23,995 29,735 35,235 45,207 51,525
Saver 500
Berikut Dicapai)
Pelan 100
Pelan 150
Pelan 200
Pelan 300
Pelan 400
Pelan 600
Pra-lahir 0 0 0 0 0 0 1 hingga 5 588 684 793 1,120 1,515 2,059
6 hingga 19 434 504 586 717 973 1,326 20 hingga 25 527 617 719 964 1,305 1,802 26 hingga 30 555 648 758 991 1,343 1,853 31 hingga 35 576 674 791 1,074 1,461 2,006 36 hingga 40 617 725 859 1,011 1,338 1,836 41 hingga 45 742 874 1,037 1,299 1,790 2,466 46 hingga 50 897 1,059 1,257 1,482 1,874 2,388 51 hingga 55 1,217 1,444 1,750 2,062 2,639 3,357 56 hingga 60 1,575 1,874 2,274 2,680 3,433 4,745 61 hingga 65 2,417 2,878 3,515 4,106 5,258 7,654 66 hingga 70 3,649 4,350 5,355 6,253 8,080 10,115
Co-Saver 10%
Berikut Dicapai)
Pelan 100
Pelan 150
Pelan 200
Pelan 300
Pelan 400
Pelan 600
Pra-lahir 0 0 0 0 0 0 1 hingga 5 484 563 653 922 1,248 1,696
6 hingga 19 357 415 483 590 801 1,092 20 hingga 25 434 508 592 794 1,075 1,484 26 hingga 30 457 534 624 816 1,106 1,526 31 hingga 35 474 555 651 884 1,203 1,652 36 hingga 40 508 597 707 833 1,102 1,512 41 hingga 45 611 720 854 1,070 1,474 2,031 46 hingga 50 739 872 1,035 1,220 1,543 1,967 51 hingga 55 1,002 1,189 1,441 1,698 2,173 2,765 56 hingga 60 1,297 1,543 1,873 2,207 2,827 3,908 61 hingga 65 1,990 2,370 2,895 3,381 4,330 6,303 66 hingga 70 3,005 3,582 4,410 5,149 6,654 8,330
*Untuk pembaharuan sahaja
Soalan Lazim (FAQ)
Non-Saver
Berikut Dicapai)
Pelan 100
Pelan 150
Pelan 200
Pelan 300
Pelan 400
Pelan 600
Pra-lahir 0 0 0 0 0 0 1 hingga 5 705 822 934 1,279 1,754 2,418
6 hingga 19 521 607 690 819 1,119 1,539 20 hingga 25 672 784 900 1,273 1,749 2,413 26 hingga 30 763 893 1,031 1,308 1,799 2,480 31 hingga 35 775 911 1,058 1,399 1,926 2,658 36 hingga 40 820 964 1,125 1,326 1,764 2,435 41 hingga 45 974 1,148 1,330 1,566 2,152 2,971 46 hingga 50 1,090 1,288 1,495 1,763 2,221 2,877 51 hingga 55 1,401 1,662 1,974 2,325 2,966 3,826 56 hingga 60 1,686 2,002 2,377 2,802 3,572 4,683 61 hingga 65 2,710 3,221 3,869 4,517 5,809 7,919 66 hingga 70 3,886 4,635 5,591 6,527 8,441 10,817
Saver 500
Berikut Dicapai)
Pelan 100
Pelan 150
Pelan 200
Pelan 300
Pelan 400
Pelan 600
Pra-lahir 0 0 0 0 0 0 1 hingga 5 599 698 793 1,087 1,490 2,055
6 hingga 19 442 515 586 696 951 1,308 20 hingga 25 571 666 765 1,082 1,486 2,051 26 hingga 30 648 759 876 1,111 1,529 2,108 31 hingga 35 658 774 899 1,189 1,637 2,259 36 hingga 40 697 819 956 1,127 1,499 2,069 41 hingga 45 827 975 1,130 1,331 1,829 2,525 46 hingga 50 926 1,094 1,270 1,498 1,887 2,445 51 hingga 55 1,190 1,412 1,677 1,976 2,521 3,252 56 hingga 60 1,433 1,701 2,020 2,381 3,036 3,980 61 hingga 65 2,303 2,737 3,288 3,839 4,937 6,731 66 hingga 70 3,303 3,939 4,752 5,547 7,174 9,194
Co-Saver 10%
Berikut Dicapai)
Pelan 100
Pelan 150
Pelan 200
Pelan 300
Pelan 400
Pelan 600
Pra-lahir 0 0 0 0 0 0 1 hingga 5 492 574 652 894 1,226 1,691
6 hingga 19 363 423 482 572 782 1,076 20 hingga 25 469 547 629 890 1,223 1,688 26 hingga 30 533 624 720 914 1,258 1,735 31 hingga 35 541 636 739 978 1,347 1,859 36 hingga 40 573 673 786 927 1,233 1,703 41 hingga 45 680 802 930 1,095 1,505 2,078 46 hingga 50 762 900 1,045 1,233 1,553 2,012 51 hingga 55 979 1,162 1,380 1,626 2,075 2,677 56 hingga 60 1,179 1,400 1,662 1,960 2,499 3,277 61 hingga 65 1,896 2,253 2,707 3,160 4,065 5,542 66 hingga 70 2,719 3,243 3,912 4,567 5,907 7,570
*Untuk pembaharuan sahaja
Soalan Lazim (FAQ)
11. Adakah terdapat sebarang had manfaat? Rider ini tidak melindungi penghospitalan, pembedahan atau caj yang disebabkan
oleh mana-mana satu (1) kejadian berikut secara langsung atau tidak langsung, sepenuhnya atau sebahagiannya: (a) penyakit sedia ada; (b) penyakit tertentu yang berlaku dalam tempoh 120 hari perlindungan
berterusan pertama; (c) sebarang keadaan perubatan atau fizikal yang wujud dalam tempoh 30
hari pertama perlindungan Orang yang Diinsuranskan, tarikh pengembalian semula rider atau tarikh kelahiran Orang yang Diinsuranskan, mengikut mana- mana yang lebih kemudian kecuali kecederaan akibat kemalangan;
(d) pembedahan plastik/kosmetik, khatan, pemeriksaan mata, cermin mata dan pembetulan penglihatan dekat melalui pembiasan atau pembedahan (Keratotomi Radial atau Lasik) pembiasan atau pembetulan jarak dekat (Radial Keratotomy atau Lasik) dan penggunaan atau pemerolehan perkakas atau alat seperti anggota badan tiruan, alat bantu pendengaran, perentak yang diimplankan dan preskripsinya;
(e) penyakit pergigian termasuk rawatan pergigian atau pembedahan oral kecuali diperlukan kerana kecederaan akibat kemalangan pada gigi asli sihat yang berlaku dalam tempoh insurans;
(f) penjagaan kejururawatan peribadi, rehat pulih atau jagaan kebersihan, perubatan haram, pengaruh alkohol, pensterilan, penyakit venereal dan sekuelnya, AIDS (Sindrom Kurang Daya Tahan Penyakit) atau ARC (Kompleks Berkaitan AIDS) dan penyakit berkaitan HIV, dan sebarang penyakit berjangkit yang memerlukan kuarantin oleh undang-undang;
(g) sebarang rawatan atau operasi pembedahan untuk keadaan kongenital / keabnormalan atau kecacatan termasuk penyakit keturunan;
(h) kehamilan, kelahiran anak (termasuk kelahiran secara pembedahan), keguguran, pengguguran dan penjagaan dan pembedahan pranatal atau selepas lahir, kaedah kawalan kelahiran kotraseptif secara mekanikal atau kimia atau rawatan berkaitan ketaksuburan, kecuali manfaat di bawah Manfaat Komplikasi Kehamilan. Disfungsi erektil dan ujian atau rawatan berkaitan impoten atau pensterilan;
(i) penghospitalan terutamanya untuk tujuan penyiasatan, diagnosis, pemeriksaan sinar-x, pemeriksaan fizikal atau perubatan am, tidak berkaitan dengan rawatan atau diagnosis hilang upaya yang dilindungi atau sebarang rawatan yang tidak perlu dari segi perubatan dan sebarang rawatan pencegahan, ubat-ubatan atau pemeriksaan pencegahan yang dijalankan oleh Doktor, dan rawatan khusus untuk mengurangkan atau menaikkan berat badan;
(j) bunuh diri, percubaan bunuh diri atau kecederaan diri sendiri yang disengajakan ketika siuman atau tidak siuman;
(k) peperangan atau sebarang tindakan peperangan, diisytiharkan atau tidak diisytiharkan, aktiviti jenayah atau pengganas, bergiat aktif dalam mana- mana angkatan bersenjata, penyertaan secara langsung dalam mogok, rusuhan dan kekecohan awam atau penderhakaan tentera;
(l) radiasi pengionan atau pencemaran melalui radioaktiviti daripada mana- mana bahan api nuklear atau sisa nuklear daripada proses pembelahan nuklear atau daripada apa-apa bahan senjata nuklear;
(m) perbelanjaan yang dikenakan untuk menderma mana-mana organ tubuh badan oleh Orang yang Diinsuranskan dan kos pemerolehan organ termasuk semua kos yang dikenakan terhadap penderma ketika pemindahan organ dan komplikasinya;
(n) siasatan dan rawatan gangguan tidur dan dengkur, terapi penggantian hormon dan terapi pilihan seperti rawatan, khidmat atau bekalan perubatan, termasuk tetapi tidak terhad kepada perkhidmatan kiropraktik, akupunktur, akutekanan, refleksologi, pengikatan tulang, rawatan pakar herba, urut atau terapi aroma atau rawatan alternatif yang lain, kecuali manfaat di bawah Rawatan Kanser Alternatif;
(o) penjagaan atau rawatan di mana bayaran tidak dikehendaki atau setakat yang dibayar oleh mana-mana pihak insurans lain atau tanggung rugi yang melindungi Orang yang Diinsuranskan dan hilang upaya yang wujud daripada tugas dalam pekerjaan atau kerjaya yang dilindungi di bawah Kontrak Insurans Pampasan Pekerja.
(p) psikotik, gangguan mental atau saraf (termasuk sebarang neurosis dan manifestasi fisiologi atau psikosomatiknya).
(q) kos/perbelanjaan bagi perkhidmatan yang bersifat bukan perubatan, seperti televisyen, telefon, perkhidmatan teleks, radio atau kemudahan yang serupa, kit/pek kemasukan dan barang-barang bukan perubatan lain yang tidak layak;
(r) penyakit atau kecederaan yang timbul daripada mana-mana jenis perlumbaan (kecuali perlumbaan jalan kaki), sukan berbahaya seperti tetapi tidak terhad kepada terjun udara, luncur air, aktiviti dalam air yang memerlukan alat pernafasan, sukan musim sejuk, sukan profesional dan aktiviti-aktivit haram;
(s) penerbangan peribadi selain sebagai penumpang yang membayar tambang dalam mana-mana penerbangan komersil berjadual untuk mengangkut penumpang melalui laluan yang ditetapkan;
(t) perbelanjaan yang ditanggung untuk pertukaran jantina. Senarai ini tidak lengkap. Sila rujuk sampel kontrak polisi untuk terma dan syarat
pelan ini.
12. Siapa yang boleh saya hubungi untuk maklumat lanjut? Jika anda ingin tahu lebih lanjut mengenai pelan ini, anda boleh menghubungi
ejen anda. Selain itu, anda juga boleh menghubungi kami menerusi e-mel di [email protected].
Apakah maklumat penting yang perlu saya tahu?
1. iMediCare adalah rider potongan unit yang boleh disertakan bersama dengan pelan berkaitan pelaburan berpremium kala yang terpilih.
2. Risalah ini menyediakan ringkasan ciri-ciri produk ini. Ia tidak membentuk kontrak insurans. Sila rujuk sampel dokumen polisi, Risalah Pendedahan Produk (PDS) dan Ilustrasi Jualan untuk butiran-butiran manfaat, pengecualian, terma-terma dan syarat-syarat terperinci sebelum anda membuat keputusan untuk membeli pelan ini. Anda hendaklah memastikan bahawa maklumat penting berkenaan pelan ini yang didedahkan kepada anda dan bahawa anda memahami maklumat yang didedahkan itu. Jika terdapat sebarang kekaburan fakta, anda hendaklah mendapatkan penjelasan daripada kami.
3. Anda hendaklah memastikan bahawa rider ini memenuhi keperluan anda dan amaun caj insurans yang perlu dibayar di bawah rider ini adalah dalam kemampuan anda.
4. Membeli insurans hayat adalah suatu komitmen jangka panjang. Sekiranya anda menghentikan polisi pada tahun-tahun awal, jumlah yang anda peroleh kembali mungkin kurang daripada jumlah yang telah anda bayar.
5. Kami berhak untuk menyemak mana-mana peruntukan, terma, syarat dan manfaat iMediCare dengan memberi notis 90 hari awal terlebih dahulu kepada anda.
6. Caj insurans yang perlu dibayar untuk rider ini adalah tidak dijamin dan kami berhak untuk menyemak semula kadar yang ditetapkan dengan memberi notis 90 hari awal terlebih dahulu kepada anda. Semakan kadar tersebut, dalam apa-apa jua keadaan, bertujuan untuk menggambarkan pengalaman tuntutan perubatan kami, inflasi perubatan, kemajuan teknologi perubatan dan keadaan lain yang wajar.
7. Kemungkinan caj insurans yang lebih tinggi, caj tambahan, had dan pengecualian manfaat dan perlindungan tertentu, tempoh menunggu baharu atau pengecualian keseluruhan perlindungan mungkin berlaku jika anda menukar daripada satu jenis pelan perubatan dan kesihatan kepada pelan yang lain atau daripada satu syarikat insurans kepada syarikat insurans yang lain.
8. Sekiranya anda telah menerima pampasan atau bayaran balik perbelanjaan perubatan yang ditanggung daripada insurans perubatan, manfaat pekerja atau undang-undang dan program Kerajaan yang lain, bayaran manfaat di bawah pelan ini akan terhad kepada baki yang belum dibayar.
9. Anda mempunyai masa 15 hari untuk menyemak polisi anda dari tarikh penghantaran dokumen polisi ini. Sekiranya anda memutuskan untuk tidak meneruskan pelan ini, anda boleh membatalkannya melalui permohonan bertulis kepada kami dalam tempoh 15 hari tersebut untuk mendapatkan bayaran balik caj penuh insurans, selepas tolak sebarang perbelanjaan perubatan yang ditanggung dan polisi anda akan dibatalkan dengan sewajarnya.
PRODUK INSURANS INI TERIKAT DENGAN PRESTASI ASET PELABURAN DAN BUKAN JENIS PRODUK PELABURAN TULEN SEPERTI AMANAH SAHAM.
10. Tokio Marine Life Insurance Malaysia Bhd. dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal selia oleh Bank Negara Malaysia.

10iMediCare
20301116

(NON-SAVERSAVER 500CO-SAVER 10%)3
N o n - S a v e r Saver 500Co-Saver 10% 30%
1
iMediCare
iMediCare
1
()“ ”4

(R&B)10% 50%
iMediCare
4 5 6 7 20208

120
1 2 0 6 ()5

1507
100 150 200 300 400 600

1. (180) 100 150 200 300 400 600
2. (180)

17. () 1,000 1,500 3,000
()
12)

100 150 200 300 400 600

12)
(212)
22. (48)
24. () 5,000
()
(9)
26.
(123)
• Non-Saver ()
RM 500)
10%RM 500RM 3,000)

• iMediCare Plan 200 ( 200) Saver 500
• AcciShieldRM 100,000
• RM 265
202311 RM 200RM 220
iMediCare
202411
iMediCare Saver 500
61 )
61 )
Bell
RM 200 x 5 = RM 1,000
RM 20,000
Saver 500Bell RM 500iMediCare RM 20, 500 (RM 21,000 – RM 500).
Non-SaverRM 1,330
50Sam () iMediCare
• TokioMarine-iLifeSecure 2 RM 100,000 (80)
• iMediCare Plan 200 ( 200) Co-Saver 10% ( 10%RM 500 RM 3,000)
• AcciShieldRM 100,000
• RM 455
20231 RM 200RM 220
20211
20231
20275
iMediCare Non-Saver
RM 37,700 (RM 580 x 65
)
RM 3,000 (10% x RM 54,000 RM 500 RM 3,000)

RM 50,000
Co-Saver 10%RM 3,000 SamRM 3,000iMediCare RM 51,000 (RM 54,000 – RM 3,000).
Non-SaverRM 5,125
20358
30()
10%50%()2
3.
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•

5.
120
6. iMediCare

(RM)
()
100 150 200 300 400 600
0 0 0 0 0 0 15 692 805 934 1,318 1,783 2,423
619 511 594 690 844 1,145 1,560 2025 620 726 846 1,135 1,536 2,120 2630 653 763 892 1,167 1,580 2,180 3135 678 794 931 1,264 1,719 2,360 3640 727 853 1,011 1,190 1,575 2,161 4145 873 1,029 1,221 1,529 2,106 2,902 4650 1,056 1,247 1,479 1,744 2,205 2,810 5155 1,432 1,699 2,059 2,427 3,105 3,950 5660 1,854 2,205 2,676 3,154 4,039 5,583 6165 2,844 3,386 4,136 4,831 6,186 9,005 6670 4,293 5,118 6,300 7,357 9,507 11,901 7175* 6,188 7,391 9,143 10,680 13,883 15,819 7680* 8,768 10,480 12,976 15,161 19,718 22,476 8185* 12,392 14,811 18,350 21,436 27,888 31,788 8690* 14,330 17,134 21,233 25,160 32,281 36,792 9195* 16,958 20,276 25,127 29,774 38,201 43,540 9699* 20,068 23,995 29,735 35,235 45,207 51,525
Saver 500
()
100 150 200 300 400 600
0 0 0 0 0 0 15 588 684 793 1,120 1,515 2,059
619 434 504 586 717 973 1,326 2025 527 617 719 964 1,305 1,802 2630 555 648 758 991 1,343 1,853 3135 576 674 791 1,074 1,461 2,006 3640 617 725 859 1,011 1,338 1,836 4145 742 874 1,037 1,299 1,790 2,466 4650 897 1,059 1,257 1,482 1,874 2,388 5155 1,217 1,444 1,750 2,062 2,639 3,357 5660 1,575 1,874 2,274 2,680 3,433 4,745 6165 2,417 2,878 3,515 4,106 5,258 7,654 6670 3,649 4,350 5,355 6,253 8,080 10,115 7175* 5,259 6,282 7,771 9,078 11,800 13,446 7680* 7,452 8,908 11,029 12,886 16,760 19,104 8185* 10,533 12,589 15,597 18,220 23,704 27,019 8690* 12,180 14,563 18,048 21,386 27,438 31,273 9195* 14,414 17,234 21,357 25,307 32,470 37,009 9699* 17,057 20,395 25,274 29,949 38,425 43,796
Co-Saver 10%
()
100 150 200 300 400 600
0 0 0 0 0 0 15 484 563 653 922 1,248 1,696
619 357 415 483 590 801 1,092 2025 434 508 592 794 1,075 1,484 2630 457 534 624 816 1,106 1,526 3135 474 555 651 884 1,203 1,652 3640 508 597 707 833 1,102 1,512 4145 611 720 854 1,070 1,474 2,031 4650 739 872 1,035 1,220 1,543 1,967 5155 1,002 1,189 1,441 1,698 2,173 2,765 5660 1,297 1,543 1,873 2,207 2,827 3,908 6165 1,990 2,370 2,895 3,381 4,330 6,303 6670 3,005 3,582 4,410 5,149 6,654 8,330 7175* 4,331 5,173 6,400 7,476 9,718 11,073 7680* 6,137 7,336 9,083 10,612 13,802 15,733 8185* 8,674 10,367 12,845 15,005 19,521 22,251 8690* 10,031 11,993 14,863 17,612 22,596 25,754 9195* 11,870 14,193 17,588 20,841 26,740 30,478 9699* 14,047 16,796 20,814 24,664 31,644 36,067
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()
100 150 200 300 400 600
0 0 0 0 0 0 15 705 822 934 1,279 1,754 2,418
619 521 607 690 819 1,119 1,539 2025 672 784 900 1,273 1,749 2,413 2630 763 893 1,031 1,308 1,799 2,480 3135 775 911 1,058 1,399 1,926 2,658 3640 820 964 1,125 1,326 1,764 2,435 4145 974 1,148 1,330 1,566 2,152 2,971 4650 1,090 1,288 1,495 1,763 2,221 2,877 5155 1,401 1,662 1,974 2,325 2,966 3,826 5660 1,686 2,002 2,377 2,802 3,572 4,683 6165 2,710 3,221 3,869 4,517 5,809 7,919 6670 3,886 4,635 5,591 6,527 8,441 10,817 7175* 5,345 6,377 7,725 9,023 11,699 13,583 7680* 7,676 9,171 11,120 12,991 16,865 19,222 8185* 10,845 12,963 15,720 18,362 23,842 29,941 8690* 12,542 14,991 18,187 21,243 27,843 38,575 9195* 15,549 18,586 22,547 26,337 34,519 47,824 9699* 18,401 21,995 26,682 31,167 40,849 56,596
Saver 500
()
100 150 200 300 400 600
0 0 0 0 0 0 15 599 698 793 1,087 1,490 2,055
619 442 515 586 696 951 1,308 2025 571 666 765 1,082 1,486 2,051 2630 648 759 876 1,111 1,529 2,108 3135 658 774 899 1,189 1,637 2,259 3640 697 819 956 1,127 1,499 2,069 4145 827 975 1,130 1,331 1,829 2,525 4650 926 1,094 1,270 1,498 1,887 2,445 5155 1,190 1,412 1,677 1,976 2,521 3,252 5660 1,433 1,701 2,020 2,381 3,036 3,980 6165 2,303 2,737 3,288 3,839 4,937 6,731 6670 3,303 3,939 4,752 5,547 7,174 9,194 7175* 4,543 5,420 6,566 7,669 9,944 11,545 7680* 6,524 7,795 9,452 11,042 14,335 16,338 8185* 9,218 11,018 13,362 15,607 20,265 25,449 8690* 10,660 12,742 15,458 18,056 23,666 32,788 9195* 13,216 15,798 19,164 22,386 29,341 40,650 9699* 15,640 18,695 22,679 26,491 34,721 48,106
Co-Saver 10%
()
100 150 200 300 400 600
0 0 0 0 0 0 15 492 574 652 894 1,226 1,691
619 363 423 482 572 782 1,076 2025 469 547 629 890 1,223 1,688 2630 533 624 720 914 1,258 1,735 3135 541 636 739 978 1,347 1,859 3640 573 673 786 927 1,233 1,703 4145 680 802 930 1,095 1,505 2,078 4650 762 900 1,045 1,233 1,553 2,012 5155 979 1,162 1,380 1,626 2,075 2,677 5660 1,179 1,400 1,662 1,960 2,499 3,277 6165 1,896 2,253 2,707 3,160 4,065 5,542 6670 2,719 3,243 3,912 4,567 5,907 7,570 7175* 3,740 4,462 5,406 6,315 8,188 9,507 7680* 5,372 6,418 7,783 9,092 11,804 13,454 8185* 7,590 9,073 11,003 12,852 16,688 20,957 8690* 8,778 10,492 12,729 14,869 19,489 27,001 9195* 10,883 13,009 15,781 18,434 24,162 33,475 9699* 12,879 15,395 18,676 21,815 28,593 39,616
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400
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0 0 0 0 0 0 1 5 588 684 793 1,120 1,515 2,059 6 19 434 504 586 717 973 1,326 20 25 527 617 719 964 1,305 1,802 26 30 555 648 758 991 1,343 1,853 31 35 576 674 791 1,074 1,461 2,006 36 40 617 725 859 1,011 1,338 1,836 41 45 742 874 1,037 1,299 1,790 2,466 46 50 897 1,059 1,257 1,482 1,874 2,388 51 55 1,217 1,444 1,750 2,062 2,639 3,357 56 60 1,575 1,874 2,274 2,680 3,433 4,745 61 65 2,417 2,878 3,515 4,106 5,258 7,654 66 70 3,649 4,350 5,355 6,253 8,080 10,115 71 75* 5,259 6,282 7,771 9,078 11,800 13,446 76 80* 7,452 8,908 11,029 12,886 16,760 19,104 81 85* 10,533 12,589 15,597 18,220 23,704 27,019 86 90* 12,180 14,563 18,048 21,386 27,438 31,273 91 95* 14,414 17,234 21,357 25,307 32,470 37,009 96 99* 17,057 20,395 25,274 29,949 38,425 43,796
- 10%
( )
100
150
200
300
400
600
0 0 0 0 0 0 1 5 484 563 653 922 1,248 1,696 6 19 357 415 483 590 801 1,092 20 25 434 508 592 794 1,075 1,484 26 30 457 534 624 816 1,106 1,526 31 35 474 555 651 884 1,203 1,652 36 40 508 597 707 833 1,102 1,512 41 45 611 720 854 1,070 1,474 2,031 46 50 739 872 1,035 1,220 1,543 1,967 51 55 1,002 1,189 1,441 1,698 2,173 2,765 56 60 1,297 1,543 1,873 2,207 2,827 3,908 61 65 1,990 2,370 2,895 3,381 4,330 6,303 66 70 3,005 3,582 4,410 5,149 6,654 8,330 71 75* 4,331 5,173 6,400 7,476 9,718 11,073 76 80* 6,137 7,336 9,083 10,612 13,802 15,733 81 85* 8,674 10,367 12,845 15,005 19,521 22,251 86 90* 10,031 11,993 14,863 17,612 22,596 25,754 91 95* 11,870 14,193 17,588 20,841 26,740 30,478 96 99* 14,047 16,796 20,814 24,664 31,644 36,067
*
()
(RM)
-
( )
100
150
200
300
400
600
0 0 0 0 0 0 1 5 705 822 934 1,279 1,754 2,418 6 19 521 607 690 819 1,119 1,539 20 25 672 784 900 1,273 1,749 2,413 26 30 763 893 1,031 1,308 1,799 2,480 31 35 775 911 1,058 1,399 1,926 2,658 36 40 820 964 1,125 1,326 1,764 2,435 41 45 974 1,148 1,330 1,566 2,152 2,971 46 50 1,090 1,288 1,495 1,763 2,221 2,877 51 55 1,401 1,662 1,974 2,325 2,966 3,826 56 60 1,686 2,002 2,377 2,802 3,572 4,683 61 65 2,710 3,221 3,869 4,517 5,809 7,919 66 70 3,886 4,635 5,591 6,527 8,441 10,817 71 75* 5,345 6,377 7,725 9,023 11,699 13,583 76 80* 7,676 9,171 11,120 12,991 16,865 19,222 81 85* 10,845 12,963 15,720 18,362 23,842 29,941 86 90* 12,542 14,991 18,187 21,243 27,843 38,575 91 95* 15,549 18,586 22,547 26,337 34,519 47,824 96 99* 18,401 21,995 26,682 31,167 40,849 56,596
500
( )
100
150
200
300
400
600
0 0 0 0 0 0 1 5 599 698 793 1,087 1,490 2,055 6 19 442 515 586 696 951 1,308 20 25 571 666 765 1,082 1,486 2,051 26 30 648 759 876 1,111 1,529 2,108 31 35 658 774 899 1,189 1,637 2,259 36 40 697 819 956 1,127 1,499 2,069 41 45 827 975 1,130 1,331 1,829 2,525 46 50 926 1,094 1,270 1,498 1,887 2,445 51 55 1,190 1,412 1,677 1,976 2,521 3,252 56 60 1,433 1,701 2,020 2,381 3,036 3,980 61 65 2,303 2,737 3,288 3,839 4,937 6,731 66 70 3,303 3,939 4,752 5,547 7,174 9,194 71 75* 4,543 5,420 6,566 7,669 9,944 11,545 76 80* 6,524 7,795 9,452 11,042 14,335 16,338 81 85* 9,218 11,018 13,362 15,607 20,265 25,449 86 90* 10,660 12,742 15,458 18,056 23,666 32,788 91 95* 13,216 15,798 19,164 22,386 29,341 40,650 96 99* 15,640 18,695 22,679 26,491 34,721 48,106
()
- 10%
( )
100
150
200
300
400
600
0 0 0 0 0 0 1 5 492 574 652 894 1,226 1,691 6 19 363 423 482 572 782 1,076 20 25 469 547 629 890 1,223 1,688 26 30 533 624 720 914 1,258 1,735 31 35 541 636 739 978 1,347 1,859 36 40 573 673 786 927 1,233 1,703 41 45 680 802 930 1,095 1,505 2,078 46 50 762 900 1,045 1,233 1,553 2,012 51 55 979 1,162 1,380 1,626 2,075 2,677 56 60 1,179 1,400 1,662 1,960 2,499 3,277 61 65 1,896 2,253 2,707 3,160 4,065 5,542 66 70 2,719 3,243 3,912 4,567 5,907 7,570 71 75* 3,740 4,462 5,406 6,315 8,188 9,507 76 80* 5,372 6,418 7,783 9,092 11,804 13,454 81 85* 7,590 9,073 11,003 12,852 16,688 20,957 86 90* 8,778 10,492 12,729 14,869 19,489 27,001 91 95* 10,883 13,009 15,781 18,434 24,162 33,475 96 99* 12,879 15,395 18,676 21,815 28,593 39,616
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10. (Tokio Marine Life
Insurance Malaysia Bhd.) , 2013-
, (Bank Negara Malaysia)
.
Alor Setar Tel: 04- 731 5044/
0657/5057 Fax: 04-731 1426
Ipoh Tel: 05- 254 2313/4,
253 9066 Fax: 05-241 3376
Klang Tel: 03- 3342 0355/
0376/0426 Fax: 03-3342 0354
Kota Bharu Tel: 09-748 6093/6782 Fax: 09-748 2448
Kuantan Tel: 09-516 5669/4934 Fax: 09-514 5395
Melaka Tel: 06- 284 0901,
282 2155/2007 Fax: 06-283 3385
Johor Bahru Tel: 07- 223 4054/5,
224 7380/7442 Fax: 07-223 0132
Kuching Tel: 082-248 522 Fax: 082-427 427
Miri Tel: 085-324 780/ 81/82/83 Fax: 085-324 768
Sibu Tel: 084-312 082 Fax: 084-321 892
Kota Kinabalu Tel: 088-486 626 Fax: 088-486 766
Sandakan Tel: 089-213 977 Fax: 089-219 543
Ground Floor
General Line: 03-2059 6188 Customer Care Hotline: 03-2603 3999
Tokio Marine Life Insurance Malaysia Bhd. is a member of Tokio Marine Holdings. It is an established life insurance company with a history of more than 70 years.
From financial security to wealth enhancement to legacy planning, our priority is to meet the key financial needs of individuals through a comprehensive suite of insurance plans.
About Us
Tokio Marine Life Insurance Malaysia Bhd. [199801001430 (457556-X)] Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia
Ground Floor Menara Tokio Marine Life 189, Jalan Tun Razak, 50400 Kuala Lumpur General Line: 03 2059 6188 Customer Care Hotline: 03 2603 3999 www.tokiomarine.com
Agent’s Stamp

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