Tokio Marine VitalCover Insurance
A lump sum hospital allowance that helps with your out-of-pocket expenses during hospital confinement
What is Tokio Marine VitalCover Insurance?
No-frills insurance coverage that pays up to RM3,000 for illness due to respiratory diseases or Covid-19 that resulted in hospital confinement.
Key coverage
Hospital Allowance Benefits
Pays up to RM3,000 for hospital confinement
Coronavirus Disease
Pay cash allowance upon diagnosis of Coronavirus Disease 2019 (Covid-19) and the insured person is not hospitalized for the condition
Funeral Expenses
Pay the lump sum of RM5,000 for death due to respiratory disease and/ or Coronavirus Disease
* Hospital Allowance Benefit and Coronavirus Disease (Covid-19) Benefit is mutually exclusive
What we don’t cover
- Hospitalisation of any Respiratory Disease within 14 days from the commencement date of this Policy;
- Insured Person has been diagnosed Coronavirus Disease 2019 (Covid-19) within 14 days from the commencement date of this Policy;
- Hospitalisation of any Pre-Existing Respiratory Disease within 90 days from the commencement date of this Policy;
- Respiratory Disease that is not been diagnosed by a physician who is duly registered with the Malaysian Medical Council;
- Insured Person does not require hospitalization for Respiratory Disease condition;
- Any accidental injury or sickness/illness other than Respiratory Disease and/or Coronavirus Disease 2019 (Covid-19);
- More than one Respiratory Disease claim is submitted within a policy year excluding Funeral Expenses:
- Insured Person who has been diagnosed and is with or without treatment for Cancer and AIDS/HIV;
- Any conditions affect the organs related to:
i) Nose;
ii) Pharynx;
iii) Larynx.
Note:
Important information
This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to the 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 of 28th May 2020.
The duration of cover is for one year. You need to renew your cover annually.
You are to truthfully, correctly, and completely answer all questions in the proposal form and disclose fully and faithfully all the facts which you know (or reasonably in the circumstances could be expected to know) to be relevant to our decision on whether to accept the risk or not, and the rate and terms to be applied; otherwise, the Policy issued may be void.
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.