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Malaysia ING Insurance Agency | Financial Planning | Mortgage | Life Insurance

'Group & Commercial Insurance' Category

ING Health Insurance in Malaysia | ING Medical Card Insurance Premium

Category: Group & Commercial Insurance, ING Employee Benefits, Insurance

ING Medical Insurance Premium

Fulfilling Your Total Healthcare Needs
Imagine having a medical plan that guarantees hospital admission and takes care of your medical bills upon discharge at our panel hospitals. This is what the ING MediPlus¹ (IMPlus) Insurance can do for you. With absolute convenience and hassle free hospitalization, you now have the comfort and peace of mind to focus on what is more important-your health.
With ING MediPlus Insurance, you are covered worldwide 24 hours a day. You need not worry about funding for healthcare costs or it being a burden on yourself and your loved ones. It is designed to give you maximum protection, flexibility and convenience at minimum cost. All you have to do is select from a choice of three IMPlus plans that suit your needs and let it work for you. Know more

Malaysia ING BizPro Package | ING Commercial Insurance Premium

Category: Group & Commercial Insurance, Insurance
Trade/Occupation Classification Category 1 and Category 2
Fire Rating M&E All Risk
Trade/Occupation Classification Class 1A Class 1B Rating
Category 1
1102 ?Retail Trading ?General Merchandise:       

General Provision Foodstuff, general merchandise, sundry goods (excludes Chinese medicine, foodstuff such as shark fins, bird抯 nest, abalone, etc.), confectionary & biscuit, cake house (without baking)
Textile/Clothing/Footwear Textiles, boutiques, shoes
Florist/Gift Toy Fresh flowers, artificial plants and flowers, handicraft, gifts, toys
Bookshop Books, magazines, stationery and paper products
Furniture/Furnishing Household/Office Equipment Furniture, curtains & its accessories, carpets,tiles, sanitaryware, lightings & its accessories,household electrical appliances (such as washing machine, blenders, mini-compo, refrigerators, etc.), crockery, cutlery, kitchenware, typewriters, metal cabinet, calculator and other office equipment (excluding computers, laptops, and all computer related)
0.254 0.314 0.80
1116 - Salon - Hair dressing and Beauty 0.218 0.268 0.80
1106 - Departmental stores, emporiums, supermarkets, mini-markets and shopping complexes 0.158 0.196 0.80
1118 - Signboard Maker / Frame Maker Premises 0.44 0.544 1.00
MOTOR SHOWROOM/SALESROOM ONLY2802 - Motor vehicles and cycles, bicycles and agricultural implements Showroom/Salesroom 0.253 0.31 0.80
GENERAL STORAGE3402 - General Merchandise (refer above trades) Storage 0.22 0.275 0.80
STUDIOS3308 - Photographic, art and advertising studios 0.223 0.272 0.90
 
Category 2Hotels, Offices And Other Simple Occupancies
1202 - Hotels, boarding houses, rest houses and chalets 0.139 0.168 0.60
1204 - Office buildings and contentsNot more than 50% of the total floor area is occupied as the retail trading purposes (if more than 50% of the total floor area is occupied for retail trading purposes, rate under general merchandise) 0.08 0.093 0.50
1208 - Universities, colleges and schools 0.109 0.13 0.60
1210 - Research and Scientific Institutes and laboratories 0.159 0.193 0.60
1212 - Hospitals, nursing homes, orphanages, welfare homes, veterinary surgeries and animals hospitals. 0.105 0.125 0.80
1216 - Religious institutions, libraries and museums 0.087 0.102 0.60
Trade/Occupation Classification Category 3 and Category 4
Fire Rating M&E All Risk
Trade/Occupation Classification Class 1A Class 1B Rating
Category 3Restraurants, Places Of Recreation       

 

 

 

 

 

 

 
2902 - Coffee Shops and Restaurants 0.186 0.227 0.60
2905 - Social/Cultural/Political/Athletic and Sports Clubs 0.109 0.134 0.60
       
Category 4
Other Risks
1512 - Bakeries, biscuits, confectionery and candy manufacture 0.223 0.281 0.80
1514 - Meehoon, noodles and related products 0.403 0.497 1.00
1516 - Sauce and pickle factories 0.138 0.166 0.60
1526 - Food processing EXCLUDING dairy product manufacture, copra kiln, sago, tapioca and starch factories, animal food manufacture including feed mills, poultry farms, animal farms, aquaculture and abattoir 0.185 0.23 0.60
2109 ?Printers ?general printers, newspaper printers, magazine/ periodicals/book printers 0.216 0.28 0.80
2804 - Motor workshop - without spray painting 0.21 0.255 0.80
2806 - Motor workshop - with spray painting 0.265 0.325 0.90
2755 - Engineering Premises, Blacksmith (general metal works) 0.196 0.239 0.60
2708 - Manufacture/assembly of electrical plant, machinery, tools equipment and appliances 0.157 0.19 0.60
2709 - Manufacture/assembly of electronic components, equipment and appliances and semi-conductor risks (excluding Wafer Manufacturer) 0.142 0.171 0.50
2720 - Manufacture/assembly of mechanical plant, machinery, tools, equipments and appliances including boilers, turbines, engines, pumps, centrifugal separators, etc. 0.205 0.249 0.60
2726 - Other Metal products manufacture EXCLUDING smelting works, foundries, rolling mills & structural metal works, wire and cable manufacture, treatment of metal products, electroplating, metal cans/containers manufacture, metal screw & nails manufacture. 0.137 0.164 0.50
3902 - Cold stores, ice (other than dry ice) factories and contents subject to Cold Storage Clause (A)Note: Where the contents are subject to Cold Storage Clause (B), 0.100% additional premium is to be charged on value of contents. 0.328 0.403 0.90
 
Risks NOT acceptable in this package are:Hand phones/mobile phones-related retailers or supplier, computer/computer-related retailers or suppliers, cyber cafes, jewellery/gems/precious metal dealers, pawnbrokers, money lenders or money changers, amusement parks/ arcades, cash, cigar, cigarette, provisions goods distributors inclusive of dried expensive food-stuff consisting of shark fins, abalone, scallops and the like, chemists/druggists, discotheques, nightclubs, bars, pubs, liquor/wine/spirit distributors, scrap metal, electrical appliances/Hi-fi dealers and Chinese medical halls, automobile spares parts/ accessories/tools, watch/pen shops.
Additional Perils Extension (for FIRE class only):
Additional Perils Extension (for FIRE class only): Additional Rate
Electrical Installation Clause (B) 0.056
Explosion - Ind. with boilers (difference 0.008 less 0.006)
  Non-ind. with boilers (difference 0.008 less 0.005)
0.002
0.003
Aircraft Damage 0.005
Earthquake and volcanic eruption 0.010
Storm, Tempest 0.015
Flood 0.086
Impact Damage 0.004
Landslip and Subsidence 0.081
Bush/Lalang Fire 0.005
Spontaneous Combustion
- by Fire
- full cover
 
0.081
0.161
Sprinkler Leakage
- Buildings
- Contents

Exclusion (d) and (e) may be deleted subject to an additional charge of 10% of the relevant sprinkler leakage rate being applied
 
0.005
0.025
Cold Storage
- Cold Storage Clause (A)
- Cold Storage Clause (B)
 
Nil
0.100
Schedule of Benefits
Sections Insurance Coverage Sum Insured/Limits Of Liability (RM)
A Fire  
  Coverage: Fire, Lightning, Explosion, Riot, Strike and Malicious Damage and Bursting or overflowing of water tanks, apparatus and pipes. To be determined by the Insured (Total sum insured for Section A & B should not exceed RM2,000,000. If exceeds this amount, refer to the Insurer).
B CONSEQUENTIAL LOSS ?Optional  
  This policy indemnifies the insured for his additional expenses incurred and loss of profit following the interruption of his business as a result of a fire or an insured peril.Consequential Loss Policy shall be issued only in conjunction with Fire Policy covering property. Consequential Loss Policy and Fire Policy are required to be concurrent. To be determined by the Insured (Total sum insured for Section A & B should not exceed RM2,000,000. If exceeds this amount, refer to the Insurer).
C Machine & Equipment All Risks ?Optional  
  Cover against loss or damage caused by fire, theft and accidental means except as excluded in the policy. Applicable to machinery and/or equipment. To be determined by the Insured (Total sum insured for Section C should not exceed RM500,000. If exceeds this amount, refer to the Insurer).
    Plan A Plan B Plan C Plan D
D Burglary
  Loss of or Damage to Property Insured under Section A 35,000 50,000 80,000 100,000
E Money
  Loss of monies whilst in transit, in custody or in charge of the Insureda) Money in the insured premises        
    i).Cash kept in the locked cabinet, locked drawer, cash registers and/or petty cash boxes. 1,500 2,000 2,500 3,500
    ii). Cash kept in locked safe or strongroom:
During business hoursAfter business hours

5,000

3,000

 10,000     

5,000

 15,000     

10,000

 20,000     

15,000
    iii).Cash kept in the premise not otherwise described in (i) and (ii) above 750 1,000 2,000 3,000
  b) Money in transit 5,000 10,000 15,000 20,000
  c) Personal Accident(Assault) per person (up to 2 persons) 10,000 10,000 10,000 10,000
F Public Liability
  On insured抯 legal liability to third parties for bodily injury/death and/or property damage.
    Limit on any event 200,000 300,000 500,000 1,000,000
    Limit on any one period 1,000,000 1,000,000 1,000,000 1,000,000
G Plate Glass
  To fixed glasses up to 3,000 5,000 10,000 20,000
H Employer’s Liability
  On Employess        
    Limit on any one event 100,000 200,000 300,000 500,000
    Limit on any one period 1,000,000 1,000,000 1,000,000 1,000,000
I Group Personal Accident
  On Accidental Death and Permanent Disablement (up to 4 persons, age 18 ?65 years old) 15,000 per person 15,000 per person 20,000 per person 20,000 per person
  Premiums For Section D, E, F, G, H & I
  Category 1 699 927 1,457 1,947
  Category 2 478 650 993 1,450
  Category 3 744 996 1,521 2,147
  Category 4 774 1,103 1,725 2,397
J Fidelity Guarantee ?Optional
  Aggregate limit ?up to 5 unnamed employees 3,000 5,000 7,500 10,000
Premiums For Section J
For All Categories 60 75 100 125
Note:
1. Machine & Equipment All Risks is subject to an excess of 2% of loss or RM500 minimum, whichever is higher, on each and every claim.
2. Burglary       

a. Without burglar alarm and/or CMS (Central monitoring system), Policy is subject to an excess of 5% of sum insured on each and every claim.
b. This section (Section D) is subject to minimum protection, where all entrances/exits including windows must be protected with iron grills and quality padlocks.
3. ING will only be liable for one (1) plan of this type issued. If there is more than one such plan being covered, ING will only pay the benefit under one plan, which ING will nominate, and will refund in full any premiums that were paid under any other plans.

ING Hospital Income Insurance

Category: Group & Commercial Insurance, ING Employee Benefits, Insurance

ING HOSPITAL INCOME

This plan provides a fixed daily income for up tp 365 days upon hospitalization for any injury or illness. In addition, a sum insured of RM5000 will be payable in the event of death.

Fixed daily income RM50, 100, 150, 200

ENHANCED PAYOR WAIVER OF PREMIUM (EPWP) Future premiums of the basic policy to which EPWP is attached shall be waived for the duration of EPWP coverage upon the 2nd life insured Death before the end of the rider term; or

Total and permanent Disability before the age of 65 or before the end of the term, whichever is earlier; or

Diagnosis of the 35 critical illness covered (Angioplasty excluded) prior to age 70 or before the end of the term, whichever is earlier. In the event of any inconsistency, the English version of this illustration shall prevail all other versions. And any inconsistency you shall refer to the original policy contract issued by insurance underwritten company. Sources from ING quotation systerm 5.0 May 1, 2009

ING HOSPITAL INCOME PREMIUM

ing-hospital-income-premium

ING SMI PLAN Benefits | ING Small Medium Industry Insurance

Category: Group & Commercial Insurance, ING Employee Benefits, Insurance

ING SMI PLAN

Small Medium Industry Insurance

Schedule of Benefits

MEDICAL : BASIC - HOSPITALISATION

PLAN 350

(RM)

PLAN 200

(RM)

PLAN 150

(RM)

PLAN 80

(RM)
1. In - Hospital Care
1.1 Hospital Room & Board
(i) Ordinary Room

350

200

150

80
( up to 120 days max per disability )
(ii) Intensive Care

500

350

350

350
( up to 20 days max per disability )
1.2 Hospital Miscellaneous Services

Full Reimbursement
1.3 Surgical Fees

Full Reimbursement
1.4 Anesthetic Fees

Full Reimbursement
1.5 Operating Theatre Charges

Full Reimbursement
1.6 In - Hospital Physician Fees

Full Reimbursement
( up to 120 days max per disability )
1.7 Hospital Service Tax

5%

5%

5%

5%
( on eligible Room & Board charges paid )
2. Ambulatory Care
2.1 Pre - Surgical / Medical Diagnostic Services

Full Reimbursement
( within 60 days )
2.2 Pre - Surgical / Medical Specialist Consultation

Full Reimbursement
( within 60 days )
2.3 Second Surgical Opinion

Full Reimbursement
2.4 Follow - up Treatment

Full Reimbursement
( up to 60 days )
2.5 Out - Patient Accidental Treatment

Full Reimbursement
( within 24 hours up to 60 days )
2.6 Daycare Procedure

Full Reimbursement
2.7 Ambulance Services

Full Reimbursement
2.8 Medical Report Fee Reimbursement

50

50

50

50
3. Compassionate Allowance

5000

5000

3000

3000
OVERALL LIMIT

100 000

50 000

30 000

10 000
(max per annum)
NOTE : Overall Limit - The maximum benefit payable within the policy year regardless of number of disabilities

MEDICAL : OPTIONAL RIDER - OUTPATIENT CLINICAL

(RM)
1. Primary Care

(i) Panel GP Clinic Visit

Cash Free
(ii) Emergency Non-Panel Clinic Visit

Full Reimbursement
2. Preventive Screening

Pap Smear ( at Panel GP Clinic only )

Full Reimbursement
( max once per policy year )

3. Specialist Care

With referral from Panel GP Clinic

100
( max limit per visit )

4. Diagnostic Services

X Ray & Laboratory Tests

250
With referral from Panel GP Clinic or Specialist

( max limit per visit )

GROUP TERM LIFE - BASIC

PLAN 1

(RM)

PLAN 2

(RM)

PLAN 3

(RM)

PLAN 4

(RM)

PLAN 5

(RM)

1 Death (all causes)

100 000

80 000

60 000

40 000

20 000

2 Permanent Total Disability (all causes)

100 000

80 000

60 000

40 000

20 000

3 Permanent Partial Disability (all causes - as per Scale of Indemnity)

100 000

80 000

60 000

40 000

20 000

GROUP TERM LIFE : OPTIONAL RIDER - CRITICAL ILLNESS

PLAN 1 - PLAN 5
1. Critical Illness

Lump Sum payment of 50% of the Basic Sum Assured upon diagnosis of a critical illness. Full sum (100%) is payable if death/disability occurs during the remaining period

MEDICAL & GROUP TERM LIFE : OPTIONAL RIDER ¨C

EXECUTIVE SCREENING
1. 18 KS Screening A comprehensive and general blood & urine screening

profile covering 41 test

(max once per policy year)

Cash Free
EXCLUSIONS
Medical

  • Cosmetic surgery or treatment
  • Experimental procedures
  • Treatment for injuries while committing a crime or while under the influence of alcohol / narcotics
  • Treatment for self inflicted injuries
  • Treatment for drug abuse or alcoholism
  • Private nursing care and house calls by doctors for any reasons
  • Treatment and test relating to sexual dysfunction, infertility, pregnancy ( except for miscarriage due to a motor vehicle accident ), childbirth, sterilization and circumcision
  • Sex transformation surgery and sex hormone therapy
  • Treatment for sexually transmitted diseases, AIDS or AIDS related complex
  • Alternative therapies such as acupuncture, chiropractic, osteopath, reflexology etc
  • Vitamins, Food Supplements, Herbal Cures, Anti Obesity / Weight Reducing Agents including any off the counter medications
  • Soaps, shampoos, vitamin creams and vitamin ointment
  • Psychotic, mental, nervous disorders and behavioral conditions including neurosis, physiological or psychosomatic manifestations
  • Treatment for congenital, hereditary diseases / deformities
  • Diseases or disabilities of a newborn child contracted prior to or during birth or within the first 14 days hereafter
  • Blood and topical allergy testing
  • Routine physical examination, health check-ups
  • Speech and Occupational Therapy
  • Eye Refraction
  • Supply of any material ( glasses, lens etc ) for the correction of visual acuity, except for cataract surgery or eye injury
  • Non accidental dental treatment and / or surgery
  • Use, acquisition or rental of external appliances such as artificial limbs, hearing aids, aero chambers, equipment for nebulising, orthopaedic pads except during hospital confinement
  • Treatment for the exposure to ionising radiation, radioactivity contamination and from the use of atomic, biological, nuclear and chemical weapons
  • Treatment for any sickness or injury as a result of terrorism, military, naval or air force operations, direct / indirect participation in strikes, riots and civil commotion or insurrection
  • Illness or injury sustained during air travel except as a fare paying passenger
  • Non-medical services provided by a hospital such as television, telephone, fax, radio etc
  • Outpatient physical therapy or physiotherapy cannot be referred at GP level. Must be referred by Specialist and treatment must be provided by a registered physiotherapist. Member must have Hospitalisation Coverage subject to its limitations
  • Outpatient rehabilitation therapy, chemotherapy, radiation therapy, kidney dialysis, chronic illness unless Member has Hospitalisation Coverage subject to its limitations
  • Preventive vaccinations except for mandatory vaccinations for children
EXCLUSIONS
Group Term LifePermanent Total & Partial Disability (all causes)

  • Suicide or self inflicted injuries while sane or insane or deliberate exposure to unnecessary danger
  • Injury sustained while under the influence or narcotics or illegal drugs
  • Injury sustained while on full-time active duty in the armed forces, naval or military
  • Injuries sustained during participation of dangerous sports such as hunting, mountaineering, racing ( other than foot racing ), diving , parachuting etc
  • Injury sustained during air travel, except as a fare paying passenger on a recognized airline
  • Pregnancy which term includes abortion, miscarriage or related complications
  • War invasion, terrorism, civil was, rebellion, revolution, insurrection, military or usurped power or direct / indirect participation in riots, strikes and civil commotion
  • Atomic, biological and nuclear energy reactions, radiation and contamination
Annual Premium Schedule (RM) - NON CASHLESS PREMIUM

MEDICAL
BASIC : HOSPITALISATION

PLAN 350

PLAN 200

PLAN 150

PLAN 80
Employee Only

616.00

426.00

324.00

198.00
Employee & Spouse

1540.00

1065.00

810.00

495.00
Employee & Children

1540.00

855.00

650.00

395.00
Employee & Family

2464.00

1704.00

1296.00

792.00
OPTIONAL: OUTPATIENT CLINICAL
Premium Per Employee / Dependent

345.00

GROUP TERM LIFE - CASHLESS PLAN

Age

( Nearest Birthday)

Premium Rate per RM 1000

( PTD & PPD )

Premium Rate per RM 1000

( PTD,PPD & CI )

Age

( Nearest Birthday)

Premium Rate per RM 1000

( PTD & PPD )

Premium Rate per RM 1000

( PTD,PPD & CI )

16

1.37

1.58

41

2.36

3.85

17

1.37

1.58

42

2.64

4.33

18

1.37

1.58

43

2.96

4.78

19

1.37

1.58

44

3.35

5.37

20

1.37

1.58

45

3.75

5.93

21

1.37

1.64

46

4.21

6.66

22

1.37

1.64

47

4.72

7.42

23

1.37

1.64

48

5.25

8.21

24

1.37

1.64

49

5.83

9.09

25

1.37

1.67

50

6.47

9.89

26

1.37

1.71

51

7.26

10.98

27

1.37

1.76

52

8.14

12.24

28

1.37

1.77

53

9.15

13.61

29

1.37

1.82

54

10.22

15.03

30

1.37

1.84

55

11.39

16.29

31

1.37

1.91

56

12.61

17.77

32

1.37

1.97

57

13.84

19.44

33

1.37

2.03

58

15.02

21.05

34

1.37

2.08

59

16.24

22.67

35

1.37

2.10

60

17.61

24.62

36

1.57

2.43

61

19.31

26.41

37

1.69

2.64

62

21.40

28.81

38

1.82

2.87

63

23.78

31.78

39

1.96

3.06

64

26.47

35.73

40

2.14

3.49

65

29.51

39.50

MEDICAL & GROUP TERM LIFE
OPTIONAL : EXECUTIVE SCREENING
Premium per Employee / Dependent

80.00
  • Please note that, except for for companies located in the Free Trade Zones, all business organizations are subjected to 5% Services Tax on insurance premiums which are borne by the organization.
  • Premium rate is based on policy commencement date & individual date of birth. If difference is less than 6 months, the lower age is applicable. Otherwise, the higher age is applicable for any difference of 6 months & above.
Note :PTD - Permanent Total Disability

PPD - Permanent Partial Disability

CI - Critical Illness

ING Employee Benefits Group Insurance ING Small Medium Industry Plan

Category: Group & Commercial Insurance, ING Employee Benefits, Insurance

ING SMI PLAN Invest

In Your Employees

The ING SMI Plan is designed to administer Employee Benefit plans for small, medium industries; primarily with 5 - 100 employees. It is a one stop source for all Employee Benefit needs, providing maximum protection against uneventful death / disability, critical illness and escalating medical expenses.

Features/Benefits:
· Medical Provider Network
· Cashless Access to Medical Care (for Outpatient Clinical Only)
· 24 Hours Toll free Assistance
· Flexible Plan Design
· Administrative Ease

ING SMI PLAN INVEST IN YOUR EMPLOYEE BENEFITS 
Attracting, motivating and keeping exceptional people is a challenge to any employer. As an employer yourself, you recognize that your family of employees’ is the driving force behind your company. It is important then, to invest in your employees’ well being. Invest in the ING SMI Plan and be assured that your employees’ welfare will be well taken care of.

The ING SMI Plan is designed to administer Employee Benefit plans for small, medium employers; primarily with 5 - 100 employees. It is a one stop source for all Employee Benefit needs, providing maximum protection against uneventful death / disability, critical illness and escalating medical expenses.

As the leading provider of Employee Benefits Insurance, let us help you protect and take care of your most valuable asset - your employees.

BENEFITS
Medical Provider Network
Enjoy extensive medical support from our network of GP panel clinics, strategically located nationwide. Our extensive network provides easy access, choice and convenience. The Medical Provider Network also includes all major hospitals nationwide.
Cashless Access to Medical Care ( for Outpatient Clinical Only )

Cashless access to medical care is made possible by presenting your ING Insurance Identity Card at any of our panel clinics. There is no hassle of having to pay first and seek reimbursement later.
24 Hours Toll Free Assistance

Our customer representatives are ready to assist you. Just call 1- 800 - 88 - 7818 if you have any inquiries regarding the coverage purchased.
Flexible Plan Design. Select from a choice of plans, the plan that suits your needs and budget best.

Administrative Ease
Focus on your core business, and leave the administration of your employee benefits to us.

PLAN FEATURES
The ING SMI Plan offers both medical and life coverage in a single comprehensive plan, specially designed with your employee in mind. You also have the option to purchase additional coverage at minimal cost.

Medical Protection
Comprehensive coverage for medical expenses incurred due to hospitalization. You also have the option to purchase outpatient ( GP and Specialist ) coverage. You and your employees can be assured of quality medical care when it matters most.

Term Life Coverage
This benefit provides financial protection in the event of loss of life as result of sickness and accident. In addition, compensation is payable in the event of permanent total and permanent partial disability.

Additional Critical Illness Rider
This is a rider to the Basic Term Life policy. In the event of a critical illness being diagnosed, a lump sum payment of 50% of the Basic Sum Assured ( Term Life ) is payable. The full sum assured (100%) would be paid should death or permanent disability occur during the remaining policy period or the subsequent policy period (if renewed).

Additional Executive Screening Rider
The screening provides valuable information about the health status of an individual. Information that can be used to prevent further sickness and to ensure that all is well.
Coverage for Overseas Treatment (Hospitalisation)

This policy covers emergency or accidental treatment while travelling overseas ( leisure or work ) for not more than 90 consecutive days. This policy also covers medical services provided overseas if it is not available locally ( referral letter from attending doctor that such medical treatment is not available locally is required )

SPECIAL CONDITION
Medical treatment, surgery or hospitalization due to illness occurring within 30 days of the policy date is not payable.

ING SMI Plan imposes only a one year exclusion on the following conditions:

· Hernias of all types
· All types of tumors
· Endometrosis
· Haemorrhoids
· Diseased tonsils requiring surgery
· Abnormalities of nasal septum / turbinates
· Hyperthyroidism
· Sinus conditions requiring surgery
· Calculi of kidney, urethra, bladder and biliary tract
· Hypertension
· Gastric or duodenal ulcer
· Diabetes mellitus

ING SMI PROPOSAL FORMS

Download English Version

Download Bahasa Malaysia Version

Download Chinese Version

ING Business Insurance | ING Commercial Package

Category: Group & Commercial Insurance, Insurance

ING Business Insurance
& ING Commercial Package

BUSINESS ADVANTAGE
Make the right choice to suit your business needs and budget. Business Advantage provides flexible coverage in one affordable and easily arranged package for the protection of your business.

ELIGIBILITY *
This package is specifically designed for business such as hotels, service apartments, schools, small & medium sized manufacturers, storage facilities and showrooms (with limited storage of non-hazardous and non-flammable goods).

COMPULSORY COVER
Fire and Lightning This section insures your physical assets, including buildings and furniture, fixtures & fitting, renovations, plant and machinery, equipment and stock-in-trade in the event of fire or lightning. Others perils such as earthquake, riot, strike and malicious damage, storm & tempest and impact damage can also be covered under this cover as required by you.

OPTIONAL COVER
Fire Consequential LossThis section indemnifies you for the loss of gross profit/gross revenue/wages or the increased cost of working you may incur if your business is interrupted because of loss, destruction or damage by an insured event.

SPECIAL ALL RISKS
This section insures your physical assets, including office equipment, furniture, fixtures and fitting on an ‘all risks’ basis subject to exceptions stated in the policy.

BURGLARY
This section indemnifies you against loss of property caused by burglary and theft to your insured property (including attempted theft). It also provides you with indemnity for damage to your premises, if you are responsible for making good such damage.

PLAN 35,000 | 50,000 | 80,000 | 100,000

MONEY
This section reimburses you any loss of money, such as :
Inside the premises and locked in a safe or strong room during business hours
Inside a locked safe or strong room in the premises after business hours
In transit anywhere within Malaysia

PLAN 5,000 | 10,000 | 15,000 | 20,000

PLATE GLASS
This section covers accidental breakage of glass. It can cover all kinds of fixed glass, such as sheet, silvered, wired, and other types of ornamental and lettered glass including non-reflecting windows.

PLAN 3,000 | 5,000 | 10,000 | 20,000

MOBILE EQUIPMENT
This section insures any mechanically propelled vehicle/equipment which is not licensed for use on a road and which is not used on a road (vehicles used on roads should be covered by a motor insurance policy).

FIDELITY GUARANTEE
This section insures you against the loss of money or other property due to fraud or dishonesty by your employees.

PLAN 3,000 | 5,000 | 7,500 | 10,000

PUBLIC LIABILITY
This section insures you against legal liability for third party bodily injury or property damage arising from your business.

PLAN 200,000 | 300,000 | 500,000 | 1,000,000

WORKMEN’S COMPENSATION
This section covers employers for the payment of compensation to workmen for injury suffered in the course of their employment in accordance with Workmen’s Compensation Ordinance 1952, Workmen’s Compensation (Amendment) Act 1976, Modification of Laws (Workmen’s Compensation) (Extension and Modification) Order 1981, and Workmen’s Compensation (Amendment) Act 1996.

PLAN CUSTOM

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