Life Starters | RHB Malaysia

For Life StartersGetting your first Protection Plan when you are young and healthy is much more affordable because you have a reduced risk of death, illness or injury. By locking in a low premium when you are young, you could end up paying less for cover in the long run. It is important to secure yourself from unexpected surprises, giving you peace of mind.

There is something for
you in there

Kickstart your protection with any of the following plans.

RHB Essential PrimeGuard

This is a limited 5 years premium paying Non-participating Endowment plan. This Policy offers savings and insurance protection for 10 years. It pays a lump sum upon death or when the Life Assured suffers from total and permanent disability (TPD) during the policy term.

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RHB Essential PrimeBuilder

8 years limited pay non-participating plan that provides insurance coverage up to Life Assured’s age 88.
Starting from the end of 5th policy year, Guaranteed Cash Payment (GCP) will be payable annually at the end of policy year until policy maturity or a claim upon death/Total and Permenant Disability (TPD), or policy surrender, whichever is earliest.

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Perlindungan Tenang – Tokio Marine StarterPack

Insurance protection with low premium and hassle free enrolment.
Protect the future of your loved ones from unexpected event with immediate coverage of Sum Assured up to RM50,000 in the event of death.
Enjoy complimentary 2 months of premium with promo code “RHBTMLM”.

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RHB Essential Cover20

This is a limited pay non-participating endowment assurance with 115% refund of premium upon maturity. Sum Assured is payable upon Death and TPD. An additional 100% sum assured upon accidental death. Future premium payment shall be waived upon diagnosis of Dread Diseases of the Life Assured.

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RHB Essential EliteGuard

An affordable life protection plan design to provide life and personal accident protection.
Daily Hospital Cash Benefit and Lump Sum Payment Incentive Care Unit (ICU) provide you coverage against unexpected hospital confinement due to accident.

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RHB Essential FlexiLink Plus

The whole life investment-linked plan offers a combination of insurance protection and investment. With as little premium as RM1,200 per year, the Life Assured can have a comprehensive insurance solutions for peace of mind and financial security.
Optional medical card rider iHealthCare has extended the coverage for COVID-19 till 30 June 2020.

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Bancassurance Service Guide

Disclaimer: The information contained herein are strictly meant to be as general information and reference for the campaign promotion only. It does not constitute as a contract of insurance. For further details on the benefits, exclusion and terms and conditions of the product, please refer to the Product Brochure, Sales Illustration, Product Disclosure Sheet (PDS) and policy contract. Underwritten by Tokio Marine Life Insurance Malaysia Berhad, RHB Bank is merely acting as a distributor. Investment-linked Plan is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts.

A guaranteed yearly renewable non-participating term plan covers up to age 70 that provide personal accident protection including:

Sum Assured is payable upon Death and Accidental Total and Permanent Disability.
Additional 100% Sum Assured Payable upon accidental death.
Daily Hospital Cash Benefit for Hospital Confinement due to accident.
Lump Sum Payment Incentive Care Unit (ICU) Payment for Hospital Confinement due to accident.
No claim discount will be applied on the renewal premium starting from the 2nd Policy Year onwards.

Eligibility

Minimum Entry Age:	18 years old next birthday
Maximum Entry Age:	65 years old next birthday
Coverage Expiry:	70 years old next birthday

Underwriting

Guaranteed Acceptance is applicable for this product.
Multiple policies are allowed but benefit payable for Death (All Causes) is subject to a maximum of RM 50,000 per life.

Types of Plan

Descriptions of Benefits	Plan 1	Plan 2	Plan 3	Plan 4
Death (All Causes)	RM 10,000	RM 20,000	RM 30,000	RM 50,000
Lump sum Intensive Care Unit (ICU) payment (Hospital Confinement due to Accident)	RM 10,000	RM 20,000	RM 30,000	RM 50,000
Daily Hospital Cash Benefit due to Accident (maximum 90 days)	RM 100	RM 200	RM 300	RM 500
Additional Accidental Death Benefit	RM 30,000	RM 60,000	RM 90,000	RM 150,000
Accidental Total and Permanent Disability (ATPD)	RM 40,000	RM 80,000	RM 120,000	RM 200,000
No Claim Discount	5% discount on undiscounted premium and incremental of 5% (Subject to maximum of 25% of the undiscounted premium) for every year if there is no claim in the previous Policy Year.
Monthly Premiums	RM 68	RM 118	RM 168	RM 268

Product Disclosure Sheet

Premium Payment Term	5 years
Policy Term	10 or 15 years
Sum Assured	RM500,000 and above

Premium Payment Term	8 years
Policy Term	Till age 88
Sum Assured	RM15,000 and above

Minimum Entry Age:	18 years old on the next birthday
Maximum Entry Age:	55 years old on the next birthday
Expiry Age:	60 years old on the next birthday

Entry Age	Sum Assured
18 - 35	RM 50,000
36 - 55	RM 25,000

Entry Age	Sum Assured
18 - 35	RM 30,000
36 - 55	RM 15,000

RHB Malaysia

Stay secure
when you
are young.

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Entry Age	30 days old to 70 years old (next birthday)
Maximum Coverage Age	90 years old (next birthday)
Minimum Premium (RM)	RM1,200 annually
Maximum Premium (RM)	No limit, subject to underwriting
Minimum Sum Assured (RM)	RM12,000
Maximum Sum Assured (RM)	No limit, subject to underwriting and sufficiency of the Fund Value

Stay securewhen youare young.

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Stay secure
when you
are young.