Getting 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.
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.
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.
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
Perlindungan Tenang – TokioMarine E-ssential Tenang is a non-participating yearly renewal term life insurance plan that provides Death coverage. In the event of death, the Sum Assured will be paid in a lump sum. This plan does not contain saving & investments elements.
Affordable premium options at RM15 per month.
Insurance protection with Hassle Free Online application and paperless process.
Immediate coverage for the Life Assured with Basic Sum Assured from RM25,000 up to RM50,000 in the event of Death.
No medical check-up is required.
Upgrade plan with RM5 per month and get additional benefit as below:
i) Extra 120% Basic Sum Assured upon Accidental Death
ii) 120% Basic Sum Assured upon Accidental Total & Permanent Disability (TPD).
Enjoy additional festive benefit during major festive seasons in Malaysia with TokioMarine E-ssential Tenang Plus
i) Extra 240% Basic Sum Assured upon Accidental Death
ii) 240% Basic Sum Assured upon Accidental Total & Permanent Disability (TPD)
Offer ends 20 July 2023. T&C apply.
Eligibility
Minimum Entry Age:
18 years old on the next birthday
Maximum Entry Age:
50 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
2 types of plans which offers fixed Sum Assured amount depending on the Life Assured’s entry age.
Plan 1: TokioMarine E-ssential Tenang Plus (RM20.00 per month)
Entry Age
Death Coverage
Accidental Death
Coverage
Accidental TPD
Coverage
18 - 35
RM 50,000
RM110,000
RM 60,000
36 - 50
RM 25,000
RM55,000
RM 30,000
Plan 2: TokioMarine E-ssential Tenang (RM15.00 per month)
An ideal limited 10 year premium paying Non-participating Endowment Assurance plan which offers you basic life protection coverage for 20 years.
Death & Total Permanent Disability (TPD) benefits
Accidental Death: Additional 100% Basic Sum Assured
Accidental Death (due to Public Conveyance): Additional 200% Basic Sum Assured
Additional Death Benefit due to Mosquito Borne Diseases (Dengue, Malaria, Zika, Chikungunya or Japanese Encephalitis)
Hospitilisation Benefit due to Motor Vehicle Accidents during festive seasons (Lump sum payment once per lifetime only and is only applicable for hospital admission and occurrence of the event within Malaysia only)
Future premium will be waived upon diagnosis of critical illness.
Maturity Benefit of 118% of Total Premium will be paid upon maturity
This product is marketed by Telemarketing Channel only.
Eligibility
Minimum Entry Age:
18 years old on the next birthday
Maximum Entry Age:
50 years old on the next birthday
Term of Coverage
20 years
Types of Plan
Benefits
Plan 1
Plan 2
Plan 3
Death Benefit
RM50,000
RM75,000
RM100,000
Total and Permanent Disability Benefit
RM50,000
RM75,000
RM100,000
Additional Accidental Death Benefit
All accidental causes other than Public Conveyance
RM50,000
RM75,000
RM100,000
Public Conveyance
RM100,000
RM150,000
RM200,000
Additional Death Benefit due to Mosquito Borne Disease (Dengue, Malaria, Zika, Chikungunya or Japanese Encephalitis)
RM5,000
RM7,500
RM10,000
Hospitalisation Benefit due to Motor Vehicle Accident during Festive Season (Lump sum payment once per lifetime only)
RM500
RM750
RM1,000
Critical Illness
Future premium will be waived.
Maturity Benefit
118% of Total Premium Paid upon maturity
Minimum Requirement
Must have an active Credit Card or RHB Current / Savings Account
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.
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