FREQUENTLY ASKED QUESTIONS (FAQ)
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TokioMarine E-ssential Tenang (also known as TokioMarine - StarterPack) is a basic plan that completes your basic insurance needs. This plan provides coverage upon death.

TokioMarine E-ssential Tenang Plus is a plan that consists of TokioMarine - StarterPack as its basic plan and Accidental Rider to enhance your insurance needs. This plan provides coverage upon death and accidental coverage upon death or Total Permanent Disability (TPD).

This plan is offered to Malaysians aged 18 to 50 years old next birthday.

As long as you continue making your payments, your coverage will continue until the last day of the policy year in which you turn 60 years old next birthday.

The coverage amount and the premium payable are as per the table below, depending to the plans chosen:
TokioMarine E-ssential Tenang
Premium Entry Age Death Coverage ^Accidental Death Coverage ^Accidental TPD Coverage
Monthly: RM15
Annually: RM180		 18-35 RM50,000 - -
36-50 RM25,000 - -
TokioMarine E-ssential Tenang Plus
Premium Entry Age Non Accidental Death Coverage ^Accidental Death Coverage ^Accidental TPD Coverage
Monthly: RM20
Annually: RM240		 18-35 RM50,000 RM110,000 RM60,000
36-50 RM25,000 RM55,000 RM30,000
^This benefit is claimable once only. The Accidental Death benefit will be terminated when a claim has been made for Accidental TPD.

No.

You can upgrade your plan by submitting a completed Application Form - Upgrading of Policy Coverage form or downgrade your plan by submitting a completed Request for Alteration form (which can be downloaded from our website) to any of our branches, head office or email to customercare@tokiomarinelife.com.my. The changes of your plan will be effective on the next premium date.
Example of upgrade:
  • TokioMarine E-ssential Tenang TokioMarine E-ssential Tenang Plus
Example of downgrade:
  • TokioMarine E-ssential Tenang Plus TokioMarine E-ssential Tenang