iCareGuard and iCareGuard Plus

What is iCareGuard¹ and iCareGuard Plus¹?

iCareGuard is a health-related rider that offers you not only up to 79 Advanced Staged Critical Illness coverage, but also payout for Admission Events such as Intensive Care Unit (ICU) admission with Essential Life Support or hospital admission due to surgical procedure. This rider rewards you for staying healthy by crediting a percentage of total insurance charges charged on this rider into the basic plan’s fund value at the end of every 10th rider year. Any amount payable under the basic plan shall be reduced by the amount paid under this rider. Get iCareGuard Plus if you wish to have separate coverage on top of the basic plan.

Product Literature

Product Brochure

PDF, 9.05 MB

¹PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS PRODUCT IS SUBJECT TO LIMITATIONS.

Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

Why is it important to you?

Here are some reasons why you should consider purchasing iCareGuard / iCareGuard Plus.

Advanced Staged Critical Illness Benefits

Up to 100% of Rider Sum Assured payable upon diagnosis of any one (1) of the 79 Covered Critical Illness (CI) conditions.

Admission Events Benefits

Up to 100% of Rider Sum Assured payable upon admission to ICU with the needs of Essential Life Support or Hospitalisation with surgical procedure.

Health Reward

For Rider Sum Assured RM100,000 and above, get rewarded upon no claim with a percentage of total insurance charges charged on these riders will be credited into the basic plan’s fund value at the end of every 10 rider years.

Is this right for you?

How to decide if this plan is suitable for you?

This is suitable if you want:

✔︎ Coverage for Advanced Staged Critical Illness conditions

✔︎ Recovery journey expenses supplement or temporary income replacement post critical conditions survival

✔︎ Rewarded for staying healthy

This is not suitable if you want:

✖︎ Pure Protection coverage

✖︎ Savings plan

✖︎ Death and Total and Permanent Disability (TPD) coverage

✖︎ Coverage for early and intermediate Critical Illness conditions

✖︎ Reimbursement for hospital admission and surgery related expenses

What does this plan provide you?

These are the benefits you get when you purchase this plan.

Important information

This plan is underwritten by Tokio Marine Life Insurance Malaysia Bhd. All benefits and features herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 7th April 2023.

Buying life insurance is a long term commitment. If you surrender the policy in the early years, the amount you get back may be less than amount that you can afford.

Note: You should satisfy yourself that this policy will best serve your needs. You should read and understand the insurance policy, and at all times, feel free to contact us for more information.