'Group & Commercial Insurance' Category
ING Health Insurance in Malaysia MM2h ING Medical Card Insurance Premium
ING Medical Insurance @ Age 85
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.
| Schedule of Benefit | IMPlus 1 (RM) | IMPlus 2 (RM) | IMPlus 3 (RM) |
| Hospitalisation & Surgical Expenses | |||
| a) Room & Board (daily limit) | 120 | 180 | 260 |
| b) Intensive Care Unit(Total period for Hospital Room & Board and intensive Care Unit up to a maximum of 60 days per disability) | 300 | 300 | 300 |
| c) Surgical Expenses(Surgical fees, Anaesthetist fee and Operating theatre charges) including post surgical care up to sixty (60) days from date of discharge) | As charged subject to self-insured deductible | ||
| d) Hospital Expenses | |||
| e) Pre-Surgery/Medical Specialist ConsultationIncludes fees incurred for consultation within 31 days prior to hospital admission or Day Surgery | |||
| f) Pre-Surgery/Medical Diagnosis Test | |||
| g) Daily Cash Allowance at a Malaysian Government Hospital (per disability) | 50 | 50 | 50 |
| Out of Hospital Benefits | |||
| a) Day Surgery Benefits | As charged subject to self-insured deductible | ||
| b) Emergency Accidental Outpatient Treatment - up to 31 days from the date of accident | As charged | ||
| c) Post-Hospitalisation or Day Surgery Follow up - up to sixty (60) days from date of discharge or Day Surgery | |||
| d) Out- Patient Cancer Treatment | |||
| e) Out-Patient Kidney Dialysis Treatment | |||
| f) Home Nursing Care Limit per disability. Valid within 7 days from the date of hospital discharge, subject to a minimum of 3 days hospitalisation | 500 | 1,000 | 2,000 |
| Overall Annual Limit | 60,000 | 110,000 | 160,000 |
| Lifetime Limit | 180,000 | 330,000 | 480,000 |
**A deductible amount of RM50 is payable by the policyholder. This deduction is applicable per hospital admission/Day Surgery.
RHB Contractor All Risk & Workmen’s Compensation
RHB CAR & WC
Contractor’s All Risk Insurance
Contractor’s All Risk Insurance provides comprehensive coverage to all works to be executed in accordance with the contractor’s contract, temporary works, material, construction plant and equipment brought into the site and liabilities arising out of the performance of the contract. The policy covers against accidental and unforeseen physical loss or damage to the property insured occurring during the period of insurance.
Under the material damage section of the policy, any sudden and unforeseen physical loss or damage caused by fire, lightning, explosion, flood, inundation, windstorm of any kind, earthquake, theft, burglary, bad workmanship, negligence, lack of skill, lack of experience, malicious acts or human error, or any other sudden and unforeseen event such as loss or damage due to collapse, foreign objects and on-site transport of items to be constructed are covered.
The liability section of the policy provides indemnity in respect of third party liability which the insured shall become legally liable to pay as damages consequent upon :
Accidental bodily injury to or illness of third parties; or
Accidental loss of or damage to property belonging to third parties
Occurring in direct connection with the construction of the contract works and happening at or in the immediate vicinity of the construction site.
Workmen’s Compensation Insurance
Specially designed to meet requirements of compensation as spelt out in the Workmen’s Compensation Act 1952. All employers are legally obligated to insure workmen against accidents at work or occupational illness.
Foreign Workers Compensation Scheme
Foreign Workers Compensation Scheme (FWCS) was created to protect the interest and welfare of all foreign workers in Malaysia. This scheme provides for the payment of compensation benefits to a foreign worker, who possesses valid employment documents, for death or injuries sustained due to accident arising out of or in the course of employment.
RHB Insurance Berhad is one of the panel insurance companies appointed and approved by the Ministry of Human Resources to underwrite the FWCS. Under Section 26 of the Workmen’s Compensation (Amendment) Act 1996, it is mandatory for employers to insure all the foreign workers employed by them under the FWCS.
Machinery Breakdown Insurance
Machinery Breakdown Insurance is arranged to provide coverage for all plant, machinery and mechanical equipment whether at work, at rest or during maintenance operations against sudden and unforeseen electrical and mechanical breakdown and accidental damage from extraneous causes.
Such damages may be caused by faulty design, construction or erection, defects in casting and material, bad workmanship, faulty operation, lack of skill, malicious acts, negligence, physical explosion, short circuit and other causes not specifically excluded under the policy.
Erection All Risk Insurance
Erection All Risk Insurance offers comprehensive protection against all the risks involved in the erection of plant and machinery as well as third party claims in respect of property damage or bodily injury arising in connection with the execution of an erection project. Coverage may also be extended beyond the erection period to include all testing and commissioning works.
The material damage section provides cover against any sudden and unforeseen physical loss or damage occurring to the property insured on the erection site during the period of insurance will be indemnified.
This liability section of the policy provides indemnity in respect of third party liabilities which the insured shall become legally liable to pay as damages consequent upon :
Accidental bodily injury to or illness of third parties; or
Accidental loss of or damage to property belonging to third parties
Occurring in direct connection with the construction of the contract works and happening at or in the immediate vicinity of the construction site.
Boilers & Pressure Vessels Insurance
Boilers & Pressure Vessels Insurance is designed to cover loss or damage as a result of explosion or collapse of boilers and other pressure vessels caused by the force of internal steam or fluid pressure.
Apart from damage to the boilers and pressure vessels, the policy also covers for damage to surrounding property and legal liability of the Insured for any death, bodily injury or damage to third party properties.
Electronic Equipment Insurance
Electronic Equipment Insurance is specially designed to cover all electronic equipment such as computers, including external data media, against loss or damage due to sudden and unforeseen causes provided such causes are not specifically excluded in the policy.
The policy also covers mechanical and electrical breakdown of the equipment caused by mechanical or electrical deficiencies, faulty material, faulty design, implosion, short-circuiting, over voltage, lightning-included traveling waves, magnetic fields or electrostatic inductions. The policies comprises 3 sections as follows :
Section 1 (Material Damage)
Covers all hardware installation including peripheral equipment and accessories against any unforeseen and sudden physical loss or damage from any causes other than those specifically excluded
Section 2 (External Data Media)
Covers the Data Media such as disks, tapes external to the computer system. Coverage is the same as Section 1 and it applies while the Insured data media are kept on the premises
Section 3 (Increased Cost of Working)
Provides indemnity for increased cost of working following a material loss or damage. If the material damage indemnifiable under Section 1 gives rise to a total or partial interruption of operation of the insured Information Technologies (IT) equipment, the cost of hiring another computer to maintain the insured’s business operations is payable under this Section. This substitute IT system must not be a subject matter of insurance under the policy. The policy pays the agreed indemnification per day and not exceeding the sum insured in any one period of the insurance.
RHB Car Insurance | Private & Commercial Car Insurance
Private Car Insurance
Private Car Insurance provides coverage for loss of money from any cause not specifically excluded by the policy. The policy covers money during transit, whilst on the insured’s premises and whilst in the personal custody of any authorized employee.
Loss or damage to locked safe or strongroom resulting from theft or any attempt thereat and Personal Accident cover to carrier may also be covered under this policy.
The types of coverage available for Motor Insurance are :
Comprehensive Cover
Loss or damage to the insured vehicle and its accessories and spare parts
Legal Liability for death or bodily injury to any third party person
Legal liability for loss or damage to third party property
The following benefits are available for extension of the Comprehensive Cover at an additional premium :
Windscreen
Strike, Riot & Civil Commotion (SRCC)
Flood, typhoon or other convulsion of nature
Legal Liability of Passengers (LLP)
Legal Liability to non-fare paying passengers (LLNP)
Additional Driver
Third Party, Fire & Theft Cover
Legal Liability for death or bodily injury to any third party
Legal liability for loss or damage to third party property
Loss or damage to the insured vehicle as a result of fire and theft
Third Party Cover
Legal Liability for death or bodily injury to any third party
Legal liability for loss or damage to third party property
Commercial Vehicle Insurance
Commercial Vehicle Insurance provides coverage for loss of money from any cause not specifically excluded by the policy. The policy covers money during transit, whilst on the insured’s premises and whilst in the personal custody of any authorized employee.
Loss or damage to locked safe or strongroom resulting from theft or any attempt thereat and Personal Accident cover to carrier may also be covered under this policy.
The types of coverage available for Motor Insurance are :
Comprehensive Cover
Loss or damage to the insured vehicle and its accessories and spare parts
Legal Liability for death or bodily injury to any third party person
Legal liability for loss or damage to third party property
The following benefits are available for extension of the Comprehensive Cover at an additional premium :
Windscreen
Strike, Riot & Civil Commotion (SRCC)
Flood, typhoon or other convulsion of nature
Legal Liability of Passengers (LLP)
Legal Liability to non-fare paying passengers (LLNP)
Additional Driver
Third Party, Fire & Theft Cover
Legal Liability for death or bodily injury to any third party
Legal liability for loss or damage to third party property
Loss or damage to the insured vehicle as a result of fire and theft
Third Party Cover
Legal Liability for death or bodily injury to any third party
Legal liability for loss or damage to third party property
ING SMI PLAN Benefits | ING Small Medium Industry Insurance
ING SMI PLAN
Small Medium Industry Insurance
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ING Employee Benefits Group Insurance ING Small Medium Industry Plan
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 Business Insurance | ING Commercial Package BizPro
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.
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