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Personal Insurance Planning
We provide a wide range of professional services to meet your needs. We promise to provide every service with a smile, and to your highest level of satisfaction.
Personal Insurance Planning is the foundation of a good financial plan, ensuring that you have a backup plan to provide enough family income and to fund medical expenses in the event of unforeseen circumstances such as premature death, total permanent disability, critical illness, accidents and hospitalization in terms of personal risk. A basic insurance for personal planning includes:
Medical Insurance
Protecting your health can be costly. Consultation, treatment costs and other expenses can certainly add up to a hefty sum. Not to mention, healthcare costs may increase due to medical inflation.
Let our comprehensive and customizable medical insurance solution help you out. We offer a selection of plans to meet your medical protection needs and affordability. You can choose from a range of plans available depending on the premiums and lifetime limit you need.
Critical Illness Insurance
Critical illness insurance provides you with a lump sum of money if you are diagnosed with certain illnesses or disabilities.
The kinds of illnesses that are covered are usually long-term and very serious conditions such as a heart attack or stroke, loss of arms or legs, or diseases like cancer, multiple sclerosis or Parkinson’s disease.
it can be really handy to have a large sum of money to replace ones lost regular income to spend on things like everyday expenses, paying off your mortgage and other non medical expenses. You can use the money in any way you like.
Personal Accident Insurance
Personal Accident insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. It is different from life insurance, medical & critical illness insurance. Other related coverages included are funeral expenses, weekly indemnity, repatriation benefits etc as per schedule of benefits.
Life Insurance
A life insurance policy can financially protect the family members or other beneficiaries when the breadwinner is no longer around.
In the event of a breadwinners passing, life Insurance will provide money directly to your beneficiaries. They can use the money for:
- Making up for your lost income
- Funding a child’s education
- Paying off household debt
- Paying for your funeral and other related expenses.
Retirement Planning
After decades of working, your retirement should be a time of leisure. Or at least, a time where you should not have to keep working to cover your costs of living. But for many Malaysians, Statistics show that two out of three Employees Provident Fund (EPF) members aged 54 have less than RM50,000 in retirement savings. This puts them at risk of living below the poverty line.
That’s why it’s important to plan for retirement – whether you’ve just started working or have been in the workforce for decades. With some preplanning, you can increase your chances of a comfortable retirement.
Education Planning
Worried that you won’t be able to afford the cost of education for your child with the current economic situation and the rising cost of living? Whether it’s locally or abroad, plan ahead for your child’s education with some saving options available in the market.
Although most of us usually associate insurance with coverage whether it is for life, medical and more, you can also choose an endowment plans or an insurance linked with investment benefit for your child’s education.
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