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    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
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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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    RHB Essential PrimeGuard

    It’s an ideal plan befitting your accomplishments and financial standing which lets you receive premiums paid for basic plan upon policy maturity.

    • Death & Total Permanent Disability (TPD) benefits
    • Accidental Death & TPD Benefits: Additional 100% of Basic Sum Assured
    • Guaranteed Maturity Benefit

    Optional Benefits
    • Maturity Enhancer Rider to boost Maturity Benefits
    Additional Information
    Premium Payment Term 5 years
    Policy Term 10 or 15 years
    Sum Assured RM500,000 and above
    Product Disclosure Sheet

    RHB Essential PrimeBuilder

    This is a non-participating insurance plan which you only need to pay premium for the first 8 years to enjoy a guaranteed stream of income until the age of 88.

    • Guaranteed Cash Payment (GCP) until age 88, starting from end of 5th policy year
    • Death & Total Permanent Disability (TPD) Benefits: Higher of total unpaid GCP or Basic Sum Assured, plus any GCP accumulated in one lump sum
    • Accidental TPD Benefits: Additional 100% of total unpaid GCP
    • Guaranteed Maturity Benefit

    Optional Benefits
    • Payor Waiver of Premium Rider
    Additional Information
    Premium Payment Term 8 years
    Policy Term Till age 88
    Sum Assured RM15,000 and above
    Product Disclosure Sheet

    Perlindungan Tenang – Tokio Marine StarterPack

    Perlindungan Tenang – Tokio Marine StarterPack is a non-participating life insurance plan that provides death coverage. In the event of death, the sum assured will be paid in one lump sum. This plan does not contain saving & investment elements.

    • Affordable premium options at RM6, RM9 or RM15 per month.
    • Insurance protection with Hassle Free Online application and paperless process.
    • Immediate coverage of Sum Assured from RM10,000 up to RM50,000 in the event of death of the Life Assured.
    • No medical check-up required.

    Eligibility
    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
    The coverage term will be up to the last day of the policy year upon maturity of Life Assured at 60 years.
    Types of Plan

    3 types of plans which offers fixed Sum Assured amount depending on the Life Assured’s entry age.

    Plan 1 (Premium RM 15.00 per month)

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

    Plan 2 (Premium RM 9.00 per month)

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

    Plan 3 (Premium RM 6.00 per month)

    Entry Age Sum Assured
    18 - 35 RM 20,000
    36 - 55 RM 10,000

    Product Disclosure Sheet

    RHB Essential Cover20

    This is an ideal protection plan offering you basic life protection coverage.

    Death & Total Permanent Disability (TPD) benefits
    Accidental Death: Additional 100% of Sum Assured
    Guaranteed Maturity Benefit: 115% of premium paid (Less any indebtedness)

    This product is marketed by Telemarketing Channel only.

    Eligibility
    Minimum Entry Age:  18 years old next birthday
    Maximum Entry Age:  50 years old next birthday
    Term of Coverage 20 years
    Types of Plan
    Plan 1 2 3
    Sum Assured (RM) 25,000 50,000 75,000
    Minimum Requirement

    Must have an active Credit Card or RHB Current / Savings Account

    Product Disclosure Sheet

    RHB Essential EliteGuard

    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

    RHB Essential FlexiLink Plus

    This is a regular premium investment-linked plan that is comprehensive and customizable with a variety of benefits to suit your different life stages.

    • Provides coverage in the event of Death and Total and Permanent Disability (TPD)
    • Extensive optional benefits including medical and hospitalization benefits, critical illness benefits and more
    • Unit-Linked Investments Opportunity to enjoy potential market return – managed by professional investment experts
    • Flexibility to adjust your sum assured and premium amount
    • Regular or Single Premium top-ups to boost your wealth accumulation

    Optional Benefits
    Optional Benefits ie Rider
    • iHealthCare
      • Optional medical card rider iHealthCare has extended the coverage for COVID-19 till 30 June 2020.
    • iComprehensive Critical Illness
    • iAdvanced Critical Illness Income
    • iHealth Income
    • iLife Waiver Plus
    • iPayor Waiver
    Additional Information
    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
    Product Disclosure Sheet
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