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    Kickstart your protection with any of the following plans.
    RHB Essential FlexiLink
    • Investment Linked Insurance Policy offers a combination of insurance protection and investment to maximize return while protecting you.
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    RHB Prime VantageLife
    • Investment Linked Insurance Policy offers a combination of insurance protection and investment to maximize return.
    • Upon Death and Permanent Disability of the Life Assured during the coverage term, a lump sum will be payable.
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    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 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

    With RHB Essential FlexiLink, you enjoy comprehensive and customisable protection with optional medical benefits riders including:

    • iHealthCare
    • iHealth Income
    • iComprehensive Critical Illness
    • iAdvanced Critical Illness Income
    • iLife Waiver Plus Rider
    • iPayor Waiver Rider

    Additional Information
    Premium Payment Term Till age 99
    Policy Term Till age 99
    Sum Assured RM12,000 and above
    Product Disclosure Sheet

    RHB Prime VantageLife

    A premium investment-linked plan with a secure financial pillar, it lets you benefit from EIGHT-vantages which include:

    • Death & Total Permanent Disability (TPD) Benefits
    • Accidental Death & TPD Benefits:Additional 100% of Basic Sum Assured
    • Maturity Benefit
    • In-Force Guarantee Benefit during the premium payment term
    • Investments in TokioMarine-Managed Fund by professional investment experts

    Optional Benefits
    • Income Shield Rider (ISR) for Guaranteed Cash Payments (GCP)
    • Regular Top-Up to boost
    Additional Information
    Premium Payment Term 5 or 10 years
    Policy Term 20 or 30 years, or till age 90
    Sum Assured RM500,000 and above
    Product Disclosure Sheet

    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 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:  40 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

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