Group Term Life

Take better care of your employees. Protect them from harm arising from natural and accidental causes.

What is it?

It is a plan which covers all your employees under one contract.

It can:

Serve as an employee benefit
Provide peace of mind to you
Help to attract and retain good employees

Why is this important to you?

You can plan ahead with confidence, knowing that

Your employees are covered in the event of Death and Total Permanent Disability, due to both natural and accidental causes
You save time and resources, in negotiating umbrella coverage for your employees under one contract

This is suitable if you want

To provide your employees with additional peace of mind
To show your employees that you have their welfare at heart
To use this group insurance as a form of employee benefit
To attract and retain good employees

This is not suitable if you want

A savings plan with investment returns
A whole life protection plan

Key coverage

Coverage

Options

Enhance your protection with three optional riders.

Group Dread Disease (GDD)
As an optional rider to Group Term Life which the benefit is payable upon diagnosis of any one of the defined 36 Dread Diseases. This benefit pays a lump sum in addition to Group Term Life benefits.
List of 36 Dread Diseases
1. Alzheimer’s Disease/Irreversible Organic Degenerative Brain Disorders
2. Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease
3. Bacterial Meningitis
4. Benign Brain Tumor
5. Blindness/Total Loss of Sight
6. Brain Surgery
7. Cancer
8. Chronic Aplastic Anemia
9. Coma
10. Coronary Artery By-Pass Surgery
11. Deafness/Total Loss Of Hearing
12. Encephalitis
13. End Stage Kidney Failure
14. End Stage Liver Failure
15. End Stage Lung Disease
16. Fulminant Viral Hepatitis
17. Heart Attack
18. Heart Valve Surgery
19. HIV Due To Blood Transfusion
20. Loss Of Speech
21. Major Burns
22. Major Head Trauma
23. Major Organ/ Bone Marrow Transplant
24. Medullary Cystic Disease
25. Motor Neuron Disease
26. Multiple Sclerosis
27. Muscular Dystrophy
28. Other Serious Coronary Artery Disease
29. Paralysis/Paraplegia
30. Parkinson’s Disease
31. Primary Pulmonary Arterial Hypertension
32. Severe Cardiomyopathy
33. Stroke
34. Surgery To Aorta
35. Systemic Lupus Erythematosus With Lupus Nephritis
36. Terminal Illness

Group Hospitalization & Surgical (GHS)
Extends Medical Coverage for hospitalization & surgical procedures in the event of illness or injury. It provides reimbursement of medical expenses in the event of hospitalization due to
illness or accident. There are two types of GHS policies, namely, GHS inner limits and GHS ‘as charged’ plans.

Group Personal Accident (GPA)
As an optional rider to the Group Term Life it provides protection based on the Schedule of Indemnities for loss of life and or parts of the body due to accident.

This brief summary is not a policy document. Please read the actual policy documents for important details on coverage, exclusions, limits, conditions and terms.

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 21 August 2014.

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.