'ING Employee Benefits' Category
ING Invest After 55- I Retire Plan | ING I-Retirement Plan
ING Invest after 55
Lets you retire from work but not from life
Retirement should be free from daily trivia, with freedom to live our days as we please. With wise planning, we all can retire to celebrate an exciting new chapter of our lives.
If you prefer investments that are less risky, or you need diversity in your current investments or if you have not started any form of retirement planning, ING I-Retire is meant for you. This is a plan with a short premium paying duration of 20 years or up to age 60, whichever is earlier.
ING I-Retire not only gives you more flexibility to reach for the dreams you aspire but it can also aid in offering security to your family. Retirement is definitely easier with ING I-Retire.
Some of the plan’s features are option to vary premium/ sum insured, fund switching, investment top up, fund withdrawals and premium holiday.
Benefits:
• Life protection and total and permanent disability coverage - sum insured is 20 times the annual retirement income;
• Maturity benefit – the lump sum maturity benefit consists of the insured amount and non-guaranteed dividends in the form of accumulated cash dividend (if any) and terminal dividend (if any);
• Annual retirement income (appx 5.00% of sum insured) – you get to determine the amount of retirement income during policy inception, in multiples of RM 120;
• Annual cash dividends (appx 7.5% of sum insured)– the amount will be declared yearly but is not guaranteed;
• Terminal dividends – the amount is not guaranteed and will be payable upon termination or maturity of policy;
• Family income benefit – payable annually for a maximum of 20 years if death or total and permanent disability happens before or upon age 45. The number of annual payment reduces if death or disability occurs after 45, but before age 65. More details on how this works, can be found in the policy contract.
This income is described as the Interim Cash Payment in the policy contract
This write-up contains only a brief description of the product and is therefore recommended to be read together with I-Retire’s brochure. However, for a detailed explanation of its benefits, exclusions, terms and conditions, you are advised to refer to the policy contract.
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ING Flexi - Premier Income 2010 and 2015
ING Flexi - Premier Income
Pay20 Income10 and Pay20 Income15
LAST CALL - HURRY UP!!!
Features This is a participating whole life plan with guaranteed interim cash payments (ICP) that matures at age 85 with limited premium payment period. The policyholders will participate in the profits of the Company by way of dividends.
It offers guaranteed interim cash payments (ICP) of 4.5% or 6.0% of sum insured payable annually on survival to the end of each policy year starting from the end of 10th or 15th policy year respectively till age 85 as long as the insured is alive and the policy is still in-force.
Benefits
ING Flexi-Premium Income
A) Guaranteed Interim Cash Payments (ICP)
B) Maturity
C) Death
D) Total & Permanent Disability
E) Surrender
F) Policy Loan
G) Reduce Pay-up
H) Non-forfeiture Option
I) Future Premium Deposit Option
J) Dividend
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ING Health Insurance in Malaysia | ING Medical Card Insurance Premium
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
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