Frequently Ask Questions

This is a guaranteed yearly renewable term plan that provides basic coverage on Death (all causes) and additional coverage on Accidental Death and Accidental Total and Permanent Disability (ATPD). The Sum Assured will be paid in one lump sum as the death benefit.

This plan also provides Daily Hospital Cash Benefit for Hospital Confinement (admission to hospital) due to Accident and comes with No Claim Discount (NCD).

This plan does not contain any saving or investment and does not participate in our profits.

This product is distributed by RHB Bank Berhard (6171-X), underwritten by Tokio Marine Life Insurance Malaysia Berhard (457556-X).

This plan is offered to Malaysian age next birthday 18 to 65 years old.

As long as you continue pay your premium on time, your coverage will continue until the last day of the policy year in which you turns 70 years old.

The monthly premium for this plan starts from as low as RM 2.30/day. There are 4 types of packaged plans to be chosen based your budget:

You will not receive any receipt since your payment is done via auto debit. However, you may refer to your bank statement for payment details.

If any premium due remains unpaid after the grace period of 30 days, the coverage will lapse.

Upon Death, the Sum Assured amount based on your plan selected will be payable.

Upon ATPD, 400% of the Sum Assured amount based on your plan selected will be payable.

Upon admission to hospital due to accidental causes, the daily hospital cash benefit allowance, amounting to 1% of the Sum Assured based on your selected plan will be payable.

No Claim Discount (NCD) is a discount given to the policyholders upon renewal of their plan starting from the 2nd policy year if no claim is made on the previous policy year. The size of the discount is 5% of the initial premium. If no claim is made on the subsequent renewal year, this NCD will increase by 5% for every subsequent renewal year until a maximum of 25% discount of the initial premium is reached.

Subject to underwriting, you may reinstate your policy within 12 months from the date of lapse. All NCD will be reset.

Once a claim has been made, the NCD will be forfeited and reset to 0% in the following policy year. The policyholder will need to pay full renewal premium without discount on the subsequent renewal year. The NCD will be reinstated at 5% again if no claim is made during the subsequent renewal year.

Example:
First claim occurred during policy year 3 (39th month)
Plan selected: Plan 1 (Monthly premium RM 68)

Your premiums are eligible for income tax deduction subject to the approval of the Inland Revenue Board. For more details log in to www.hasil.gov.my

This plan is guaranteed acceptance. As such, no underwriting is required.

You are allowed to buy more than one policy. However, the benefit payable for Death is subject to a maximum of RM 50,000 per life under RHB EEG.

Your policy will be auto renewed every year upon each policy anniversary through auto debit until you are 70 years old.

Nomination is a process to assist in the facilitation of payment of monies under the insurance cover in the event of your death.

If you do not make a nomination, it will cause a delay in claims payment.

You can name your nominee after you purchase this plan by printing out the Appointment of Nominee form attached in Welcome email. You may also download the Appointment of Nominee form from our corporate website. To avoid delay in future claims payout, We strongly advice you to:

1. name your immediate family member as your nominee, e.g. your spouse, children or parents; and
2. complete the Appointment of Nominee form and return the duly signed document to your nearest Tokio Marine Life offices.

Your nominee can complete our claim form (which can be downloaded from our website). He can then submit the claim form and death certificate at any of our branches.

15-day free look - If you change your mind and cancel this plan within 15 days after delivery of the policy to you, we will immediately stop your coverage and refund the premium you have paid less any medical fee incurred (if any).

After the 15-day free look period, you can cancel your policy at any time. Once you cancel your coverage, no surrender value is payable and coverage will continue until the next premium due date.

1. RHB Customer Care Centre hotline at 03 - 9206 8118.
2. Tokio Marine Life Insurance Customer Service Centre hotline at 03 - 2059 6188.
3. Email to Tokio Marine Life Insurance at customercare@tokiomarinelife.com.my.
4. Visit any of RHB or Tokio Marine Life Insurance branches.

1. Death Benefit:
   The Death Benefit shall not be payable for death of the Life Assured resulting from:
   1. suicide while sane or insane within 1 year from the issue date or reinstatement date; or
   2. Acquired Immune-Deficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV).
   
   
2. Additional Accidental Death Benefit, Accidental Total and Permanent Disability, Lump sum Intensive Care Unit (ICU) payment (Hospital Confinement due to Accident) or Daily Hospital Cash Benefit due to Accident:
   The Additional Accidental Death Benefit, Accidental Total and Permanent Disability, Lump sum Intensive Care Unit (ICU) payment (Hospital Confinement due to Accident) or Daily Hospital Cash Benefit due to Accident shall not be payable if the death, total and permanent disability or Hospital Confinement resulting from directly or indirectly, wholly or partly by:
   1. any form of illness or disease due to non-accidental causes; or
   2. attempted suicide (whether sane or insane); or
   3. self-inflicted injury or injury sustained while under the influence of drugs or intoxicating alcohol; or

Note: This list is non-exhaustive. Please refer to the sample policy contract for the terms and conditions under this policy.