Discover the Best Life Insurance for Young Adults For Yourself

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 EliteGuard

An affordable life protection plandesign 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 Plus

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.

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TokioMarine Perlindungan Hero/Hero Plus

Life protection with affordable premium from as low as RM35 per month.
Protect the future of your loved ones from unexpected events with immediate life coverage of up to RM200,000 in the event of death.

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RHB Treasure 20

This is a limited 10 year premium paying Non-participating Endowment Assurance plan which covers Death, TPD and Accidental Death for 20 years.
Extra coverage for death due to Mosquito-Borne Disease and hospitilisation due to Motor Vehicle Accident during festive seasons per lifetime.
118% Maturity benefit and future premium waived upon diagnosis of Critical Illness.

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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
Guaranteed Maturity Benefit

Maturity Enhancer Rider to boost Maturity Benefits

Premium Payment Team	5 years
Policy Term	10 or 15 years
Sum Assured	RM500,000 and above

Tokio Marine Life Insurance Malaysia Bhd. is a member of PIDM.
The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

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.

Minimum Entry Age: 18 years old next birthday

Maximum Entry Age: 65 years old next birthday

Coverage Expiry: 70 years old next birthday

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.

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	RM200,000
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

RHB Essential FlexiLink Plus

This is a regular premium investment-linked plan that is comprehensive and customizable with a variety of benefits to suit your different life stages.

Provides coverage in the event of Death and Total and Permanent Disability (TPD)
Extensive optional benefits including medical and hospitalization benefits, critical illness benefits and more
Unit-Linked Investments Opportunity to enjoy potential market return – managed by professional investment experts
Flexibility to adjust your sum assured and premium amount
Regular or Single Premium top-ups to boost your wealth accumulation

Optional Benefits ie Rider

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

Entry Age	30 days old to 70 years old (next birthday)
Maximum Coverage Age	90 years old (next birthday)
Minimum Premium (RM)	RM1,200 annually
Maximum Premium (RM)	No limit, subject to underwriting
Minimum Sum Assured (RM)	RM12,000
Maximum Sum Assured (RM)	No limit, subject to underwriting and sufficiency of the Fund Value

RHB Essential FlexiLink Plus - All Language

TokioMarine Perlindungan Hero/Hero Plus

TokioMarine-Perlindungan Hero Plus and TokioMarine-Perlindungan Hero is an affordable yearly renewable basic protection plan for everyone, the must have for all our loved ones!

Insurance protection with Hassle Free Online application and paperless process.
No medical check-up is required.
Affordable premium options at RM35 per month.
Immediate coverage for the Life Assured in the event of Death.

Upgrade your plan at an additional RM30 per month to enjoy the additional benefits below:

Double death coverage
10% increase of Basic Sum Assured every 2 policy years, capped at additional 50%.

Enjoy accidental coverage with the optional Hero Shield Rider.

In the event of Death or Total and Permanent Disability of the Life Assured due to accidental events, a total sum of RM50,000 is payable.

Entry Age	Min: 30 days Max: 60 years old (next birthday)
Policy Term	The coverage term will be up to the last day of the policy year upon maturity of Life Assured at 65 years.
Types of Plan	2 types of plans which offer varying fixed Sum Assured amounts depending on the Life Assured’s entry age. One optional rider which offers RM 50,000 Sum Assured that is fixed across all entry ages. For more info, clickhere.
Minimum Basic Sum Assured (RM)	RM 20,000 (Perlindungan Hero) RM 40,000 (Perlindungan Hero Plus)
Maximum Basic Sum Assured (RM)	RM 100,000 (Perlindungan Hero) RM 200,000 (Perlindungan Hero Plus)

RHB Treasure 20

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.

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

Must have an active Credit Card or RHB Current / Savings Account

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