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PROTECTION AGAINST 4 MAJOR ILLNESSES
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LUMP SUM PAYMENT AT THE EARLY & CRITICAL STAGE
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No Claims Premium Refund
Protection
Additional Benefits
Provides additional benefits such as recuperation, supplementary medical and travel allowances to cover your other expenses. You can also opt to include the benefit to cover your mortgage loan payment up to six (6) months in the event of involuntary unemployment.
Eligibility
For Hong Leong Bank Berhad customers as well as their spouse and/or child(ren), who are Malaysians, Permanent Residents residing in Malaysia, Work Permit/Employment Pass Holders or otherwise legally employed in Malaysia between the ages of fifteen (15) days to fifty-nine (59) years at the date of first enrolment. Eligibility of cover will continue up to and including the age of seventy (70), after which all cover under the Policy ceases at the subsequent Policy anniversary.
Important Notice: The product features and benefits are subject to terms and conditions stipulated in the Policy contract.
Underwritten by: MSIG Insurance (Malaysia) Bhd
Full Payment
No Claims Premium Refund
Premium refunds will be granted if no claims are made after five (5) consecutive years of continuous cover.
Main Benefits |
Plan 1 (RM) | Plan 2 (RM) | ||
|---|---|---|---|---|
Critical Illness Benefit:
Cancer, Stroke, Heart Attack & Kidney Failure
i) Early Stage* ii) Critical Stage
Note*: The amount payable for Early Stage Critical Illness shall reduce the sum insured of the Critical Illness benefit. |
100,000
30% 100% |
200,000
30% 100% |
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Recuperation Allowance |
5,000 |
10,000 |
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Supplementary Medical Allowance |
3,000 |
5,000 |
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Travel Allowance |
500 |
1,000 |
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No Claims Premium Refund |
Refund of 25% of the total annual premium paid at the end of every five (5) years provided that:- • Policy being in-force for a continuous period of five (5) consecutive years; and • No claims have been made within that five (5) year period. |
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Optional Benefit |
Plan 1 (RM) |
Plan 2 (RM) |
Plan 3 (RM) |
|
Involuntary Unemployment |
2,000 |
4,000 |
6,000 |
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If you become involuntary unemployed, this insurance will pay your monthly mortgage loan payment or up to the amount as specified in your Certificate whichever is lesser for a maximum of six (6) months, subject to the maximum limit being the outstanding loan amount to the bank. The Involuntary Unemployment benefit will be paid on one occasion only. This benefit will cease immediately upon payment of this benefit. |
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Duration of cover is for one (1) year. The premiums for this Policy may be paid on a monthly/quarterly/annual basis. It may be renewed on each anniversary at the date of inception of the Policy by payment of the premium determined by MSIG at the time of renewal. Please refer to the Policy contract for detailed information about the C Illness Plus Insurance schedule of benefits.
Monthly Premium for Main Benefits
Age Band |
Plan 1 (RM) | Plan 2 (RM) |
|---|---|---|
15 days - 15 years |
26 |
35 |
16 - 20 years |
27 |
37 |
21 - 25 years |
30 |
43 |
26 - 30 years |
31 |
47 |
31 - 35 years |
37 |
58 |
36 - 40 years |
49 |
82 |
41 - 45 years |
71 |
125 |
46 - 50 years |
104 |
190 |
51 - 55 years |
146 |
274 |
56 - 59 years |
225 |
431 |
60 - 65 years (renewal only) |
269 |
528 |
66 - 70 years (renewal only) |
405 |
798 |
Monthly Premium for Optional Benefit
| Plan 1 (RM) | Plan 2 (RM) | Plan 3 (RM) |
|---|---|---|
6 |
11 |
16 |
Note:
- Premium for the main Critical Illness benefits are based on your age band. You have to pay a higher premium as you reach a higher age band.
- Premium is subject to Stamp Duty of RM10 and Government Tax, if applicable.
