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

'Insurance' Category

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 Home Insurance HouseHolder | House Content Insurance Malaysia

ING Home Insurance

householder & Content Insurance

Insurance For Residential Property
There are three types of policies that you can purchase to protect your home and its contents.

Basic Fire Policy
This policy provides coverage for building and/or the contents and it covers loss or damage caused by fire, lightning or explosion by gas used for domestic purposes.

House Owner Policy
This policy provides you with coverage for your building only and it covers loss or damage caused by fire, lightning or explosion caused by gas used for domestic purposes including flood, bursting of water pipes/tanks, aircraft damage, storm, earthquake and theft.

House Holder policy
This policy provides you with coverage for your household contents only and it covers loss or damage caused by fire, lightning or explosion caused by gas used for domestic purposes including flood, bursting of water pipes/tanks, aircraft damage, storm, earthquake and theft.

Type of policy Basic Fire policy Houseowner policy Householder policy
1. Loss/damage to building by fire, lightning and explosion caused by gas used for domestic purposes. Yes Yes No
2. Loss/damage to building by aircraft, road vehicles or animals, bursting or overflowing of water tanks or pipes, theft, windstorm, earthquake and flood. No Yes No
3. Loss/damage to household goods and personal effects as well as coverage for the Insured. No No Yes

It is advisable to insure your residential buildings under the Houseowner policy and your household contents in the Householder policy.

If your property (buildings) is under financing, you will be requested to take up a Houseowner policy and beside this policy, the financier will also required you to take up a mortgage reducing term assurance (MRTA) policy to cover the financier interest. For more information on the MRTA policy, you will need to refer from our Mortgage Division.

Important points to note when buying insurance for your property applicable to Fire and Houseowner/Householder insurance:

House Owner
• Insured value - You are to ensure that your property is adequately insured at all times, taking into account the renovations and enhancements made to your property. The sum insured should cover the cost or rebuilding your property in the event of loss/damage.

If your property is under financing, you should ensure that the financier has taken adequate cover. In normal circumstances, the coverage arranged by the financier will be for the amount of loan taken. You may, therefore, want to take up a separate insurance cover for the balance of the amount.

For contents, ING pay the value of a brand new item under reinstatement basis or on a depreciated value of item lost under the replacement basis.

Strata-titled properties
- Master policy and individual certificate of insurance
If you own a strata-titled property, e.g. an apartment, the company managing your apartment (known as Management corporation (MC)) is required to take up insurance under a master policy. You must ensure that you get a copy of your individual certificate of insurance for your property to check the coverage taken up under the master policy by your MC.

- Property under financing
If your apartment is under financing, the financier may require you to purchase another houseowner policy to cover the loan taken. This will result in double-insurance. However, if your property is financed by a bank or finance company under the supervision of Bank Negara Malaysia (BNM), it has been agreed that your financier will not require you to purchase another insurance policy but it will accept the insurance policy purchased by the MC as evidence of insurance for your unit. However, the MC needs to comply with the terms and conditions required by the lending institution e.g. the insurance covers the minimum risks such as fire, subsidence and landslip.

ING House Holder policy (inclusive of the All Risks policy)
• Basis of compensation - You should decide on the basis of compensation of your householder policy, whether it is on reinstatement or replacement value. You will be compensated with the value of a brand new item under reinstatement basis but on the depreciated value of item lost under replacement basis.

• Specific declaration of each item You must specifically declare each item to be insured under the policy to ensure that you get the full compensation in the event of loss/damage. It is advisable to also keep receipts of items insured, if available.

Duty of disclosure - You should disclose fully all material facts in the proposal form. When in doubt as to whether a fact is relevant or not, it is best to ask ING or its agent. If you fail to disclose any material fact, ING may refuse to pay your claim.

Premiums - The pricing for the premiums computation will have to depend on the type of policy selected, the charges is in accordance with the Revised Fire Tariff governed by PIAM (Persatuan Insurans Am Malaysia). The rating is based on the type of building and construction materials used.

Coverage
This package is specially designed to take care of all the insured’s needs within one policy.

Section 1 HOUSE OWNERS INSURANCE Covers the Insured Private Dwellings (buildings) against loss or damage by the following perils (Standard Coverage):

- Fire and lightning
- Explosion
- Impact by aircraft or third party road vehicles
- Theft evidence of forcible and violent entry or exit has to be proven
- Bursting or overflowing of domestic water tanks, apparatus or pipes
- Storm, earthquake and flood

Additional Perils (if required, additional charges will be imposed) . They are:

- Riot, strike and malicious damage
- Subsidence and Landslip
- Alteration and Repair Clause

Section 2 HOUSE HOLDERS INSURANCE Covers the insured contents in his/her house against loss or damage by perils similar to the Houseowners insurance.

Section 3 ALL RISKS INSURANCE Covers the insured jewellery and valuables against fire, theft and accidental loss or damage both in the home and elsewhere in Malaysia and Singapore. Temporary visits overseas are also covered.

Purchase receipts and/or other means of establishing value documents are required to be submitted before cover commence.

The following ARE NOT covered:
• Wear and tear, depreciation, gradual deterioration, loss or damage caused by moth, vermin or from any process of cleaning or restoring any articles.
• War, civil commotion and radioactivity.
• Confiscation or detention by customs or other official authorities.
• Mechanical & electrical derangement, scratching, breakage of lenses or glass.

Note:
a. Handphones, laptop, notebooks and watches are excluded unless approved by the Company.
b. To provide list of valuables insured together with the purchase receipts/invoices or other means of documents to establish the values before cover commences.
c. Maximum acceptance is RM50,000 with limit of RM5,000 per item provided a list of the valuables is declared.

Acceptance of this ING Personal Package is based on the building construction of Class 1A, 1B and 2 only.

Definition of building construction:

Class Walls Roof

1A Bricks/Concrete Tiles/Concrete/Zinc/Asbestos

1B Partly Bricks/Concrete with Zinc/Metal Tiles/Concrete/Zinc/Asbestos

2 Partly Bricks/Concrete with Timber Tiles/Zinc/Asbestos

Section 4 PERSONAL LIABILITY INSURANCE Covers the insured and the insureds family living with you against claims for personal negligence committed in Malaysia or Singapore, e.g. causing an accident whilst cycling, playing games or due to defects in your dwelling.

Jurisdiction: Malaysia & Singapore

Additional Golfers Extensions: Cover the insured and/or the insureds spouse against any misfortune or accident whilst at any golf course in Malaysia and Singapore. In addition, the following are included:
- Loss or damage to golfing equipment/golf clubs not exceeding RM4,000.00
- Loss or damage to personal effects not exceeding RM1,000.00
- Hole-in-one award of RM1,000.00

ING 1Home Contents Package

Section 1 HOME CONTENTS

This is an annual policy that provides cover for your household goods and personal effect against the following perils:
- Fire and lightning
- Domestic explosion
- Impact by aircraft or third party road vehicles
- Theft accompanied by actual forcible and violent breaking into or out of a building
- Bursting or overflowing of domestic water tanks, apparatus or pipes
- Windstorm, hurricane, cyclone, typhoon
- Earthquake, volcanic eruption
- Flood
- Riot, strike and malicious damage
- Landslide and subsidence

You are also covered:
1. Property temporary removed from the house but within Malaysia up to 15% of the total sum insured.
2. Fatal injury by fire or thieves up to RM10,000.
3. Damage to mirrors up to RM500
4. Servants property (clothing & personal effects other than cash, currency notes, bank notes and stamps) whilst in the house up to 5% of the total sum insured.
5. Loss of rent or rental incurred caused by the insured perils up to 10% of total sum insured.
6. Liability to the public up to RM50,000

Section 2 EXTRA BENEFITS

1. Cash at Home - ING shall indemnify you against loss of cash at home due to the Insured Perils covered under Section 1.

2. ATM Cash - ING shall indemnify you against loss of cash as a result of ATM withdrawal, under threat by burglar following a break-in to the house.

3. Cash Relief Fund - ING will pay the Insured a lump sum payment for all losses suffered as a result of snatch theft and the claim under this benefit is limited to one (1) claim per policy period.

4. 24 hrs worldwide Personal Accident cover - Accidental Death - this benefit is payable upon the death of the Insured as a result of an accident and which occurs within 90 days from the date of accident. Medical Reimbursement- ING will reimburse for all the medical expense incur as a result of bodily injury caused by accident.

5. Personal Liability - ING shall indemnify the Insured against all legal liability to the public in respect of property damage or bodily injury.

Table Of Benefits And Plan
Coverage Plan 1 Plan 2 Plan 3 Plan 4 Plan 5
Section 1- Home Contents
On household goods consisting of furniture, electrical appliances, refrigerator, Hi-fi sets, television, personal effects and the like. 15,000 20,000 30,000 40,000 50,000
Section II- Extra Benefits
a. Cash at home - (per occurrence) 500 500 800 800 1,000
b. ATM Cash - loss of cash as a result of ATM withdrawal, under the threat by a burglar following break-in to the house - (per occurrence). 1,000 1,000 1,000 1,500 1,500
c. Cash Relief Fund - a lump sum payment for all losses suferred as a result of snatch theft. (limited to one (1) claim per policy year. 100 100 150 200 300
d.
24 hrs Worldwide Personal
Accident On:
(i) Accidental Death
(ii) Medical reimbursement for bodily injury caused by accident.
50,000
200
50,000
200
100,000
300
100,000
300
100,000
500
e. Personal Liability - (anyone event and in aggregate) 100,000 100,000 100,000 100,000 100,000
Premium Computation:
Annual Premium 123.00 147.00 217.00 289.00 357.00
Plus Stamp Duty 10.00 10.00 10.00 10.00 10.00
Total: 133.00 157.00 227.00 299.00 367.00
*Note: Household contents and personal effects (within the premises):

Any single article (Furniture, pianos, organs, household appliances, radios, television sets, video recorder sets, Hi-Fi equipment and the like excepted) exceeding 5% of the total sum insured must be separately listed.
Jewellery limited to one-third of the total sum insured on contents unless separately listed. Receipts to be furnished.

Major Exclusions Which Are Strictly Not Covered: War, invasion, mutiny, rebellion, martial law risks, pollution, contamination or ironizing radiations risks Nuclear weapons risks and act of terrorism.

ING Capital Investment + Insurance | ING Prime Capital Insurance

ING Prime Capital Insurance

ING Capital Investment

Creating wealth in today’s financial markets
Wealth creation is about accumulation, leveraging and compounding. Sounds complicated? Well, it doesn’t have to be. The idea behind it is simple actually. It is about starting small and building it up over time. The earlier you start, the earlier you become wealthy. The longer you persevere, the wealthier you get.

All these are now possible with the ING Prime Capital Insurance plan. It is the plan that offers you professional investment management and life protection to help you create the wealth to meet your financial goals!

The ING Prime Capital Insurance plan is designed to make your money work for you by providing potentially higher returns to meet your long-term financial goals.

Depending on the amount of risk you are prepared to take, the plan offers a choice of investment funds to help you achieve your financial goals. You can also be assured that your funds are professionally managed for growth by a team of full-time investment professionals backed by the investment resources and expertise of our parent company; the ING Group.

Some of the plan features are fund switching, investment top up and fund withdrawals.

Benefits:
Life protection
Total and permanent disability coverage

Optional Benefits
Accidental death coverage.

SMS or CALL +6012 207 5570

malaysia@insured-life.com

Hong Li | ING Group Sales Manager Agent in Malaysia

Hong Li

+6012 233 8369

hongli@insured-life.com

17-3-2 Jalan Setia Prima (R) U13/R, Setia Alam Seksyen U13 Shah Alam. Selangor. Malaysia

Hooi Ping | ING Agent in Setia Alam - Shah Alam

Hooi Ping

+6012 207 5570

hooiping@insured-life.com

No 17-3-2 Jalan Setia Prima (R) U13/R, Seksyen U13 Setia Alam, 40170 Shah Alam. Selangor. Malaysia
Above Ambank

Wayne Loh | ING Housing Loan Agent in Kuala Lumpur

Wayne Loh

+6012 900 6673

wayne@insured-life.com

No 5-1 Blok C Taman Pertama Cheras, 56100 Kuala Lumpur

Sing Lee | Klang ING Insurance Agent

Sing Lee

+6016 221 3118

Asst. Group Sales Manager

6th Floor Menara ING Klang, Taman Intan, 41300. Klang Selangor

ING SMI PLAN Benefits | ING Small Medium Industry 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

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

MLTA Mortgage Level Term Assurance | ING MLTA

ING MLTA

Mortgage Level Term Assurance

ING PRIME LIFE INSURANCE WITH CRITICAL ILLNESS COVERED

 

ing-mlta.jpging-mltaing-mlta

ING MLTA - ING SECURE LIFE with Guaranteed Surrender Value

ing-mlta-secure-planing-mlta-secure-plan

SMS or CALL +6012 207 5770

Suggestion: Using ING Primier Life insurance is preferred is because,

1. Lowest premium with highest protecion / coverage such as DEATH, DISABILITY & CRITICALL ILLNESS. The premium participate into unit link fund for better performance on investment returns.

2. Activate the PREMIUM HOLIDAY whenever facing financial difficulty in anytime. (No Interest Charge)

3. CONVERT into Personal insurance after the loan hs been fully settle.

 

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