INSURANCE | Mortgage | ING Malaysia

ING Insurance Malaysia Admission Enquiries DATALINK

Within Malaysia

Tel. +603 2296 3188
Fax.  +603 2094 5766
Fax.  +603 2094 6532 

Contact Us

International +603 2166 5421

Mobile Service +6012 233 8369

Questions & Answers

Q. Why should i wait during admission even i have cashless medical card?
A. is because our data centre need to wait until received the medical report from
    admission doctor then only able to process the guaranteed letter.

Q. Whats the point to using ING Medical card to sweep on credit card
    merchant?
A.  It can be fasten the approval and check validity on the medical insurance
     coverage.

Q. If i using others medical insurance card to admit, can i enjoy
    Sweep card system?
A. NO. Only apply to ING Cashless Medical Card.

Q. If my company have ING Employee Benefits or ING SMI plan,
    how do i admit?
A. Contact your Human Resources Dept, get a guaranteed letter from
    +603 2719 7818.

Q. How can i fasten the approval when i DISCHARGED from the hospital?
A.  Ensure your Dr. had done the final medical report & bill then fax to
     +603 2094 6532

Q. If my questions other then above, what should i do?
A.  Call or Text to +6012 207 5570

ING Premier Savings

10 Years 15 Years 20 Years

Saving for your lifetime goals with total peace of mind
Is it your lifetime dream to sail off on that cruise around the world; own that house by the beach or start your own business? Have you ever thought how you could assure yourself that you are able to fulfill your lifetime dreams and goals?

We all have dreams and goals we would like to achieve and we need to take the necessary steps if we want to make sure that these goals are realized. Wouldn it be a disappointment for you and your family to find out too late that your lifetime goal is out of your financial reach? To avoid this, all you need to do is to take action now. ING can help you turn your dream goals into reality.

ING Premier Savings is a 25-year participating endowment plan. Three premium-paying terms (10 years, 15 years and 20 years) are available for your selection. It offers a systematic approach to help you achieve your savings goal with total peace of mind. Unlike a regular savings account with a bank, it not only makes your money work harder for you, it also comes with the comfort that your savings goal is secured for your loved ones should something unfortunate happen to you.

ENGLISH

BAHASA MALAYSIA

CHINESE

Features

A) This is a participating endowment plan. The benefits are payable upon death, total and permanent disability(TPD) or maturity. This plan participates in the surplus of the life fund in the form of cash dividends and terminal dividends.

B) Flexible premiums. Policyholders can choose the saving amount and the sum insured will be in multiple of the premium and the premium payment term.

C) Guaranteed premium payment terms. There are three choice of guaranteed premium payment terms: 10 years, 15 years and 20 years

D) Continuation of savings program upon critical illness. This plan has a built-in Living Waiver of Premium Benefit (CLWPB) whereby all future premiums will be waived in the event the life insured is diagnosed with critical illness before age 70.

BENEFITS
A) Maturity
B) Death
C) Total and Permanent Disability
D) Surrender
E) Dividends

ING Premier Savings 10 Years

ING Premier Savings 15 Years

ING Premier Savings 15 Years

Contact Us SMS or CALL +6012 233 8369

ING PREMIER CRITICAL COVER

Critical Illnesses Insurance

INITIAL DEATH BENEFIT
TOTAL AND PARMANENT DISABILITY (TPD) ON IPCC
The sum insured of the basic plan shall be paid out in the event the insured becomes totally and permanently disabled before policy anniversary nearest to the insured’s 65th birthday.

INITIAL TPD BENEFIT (in one lump sum)
INITIAL BENEFIT UPON DIAGNOSIS OF CRITICAL ILLNESS:
*For Angioplasty, 10% of SA will be payable for the first incident. The balance of the sum assured will be paid upon occurrence of disability, death or diagnosis of any of the remaining 35 critical illness.

Contact Us

ENGLISH

BAHASA MALAYSIA

CHINESE

ADDITIONAL BENEFIT
Additional sum insured is payable upon diagnosis of Critical Illness, TPD or death of the Life Insured depending on completed policy years as below:

Upon Critical Illness claims (expect for Angioplasty And Other Invasive Treatments Artery Disease), this amount will be payable on death after a survival period of at least thirty days after diagnosis of Critical Illness and before the original maturity date of the policy.

EXCLUSIONS/LIMITATIONS OF COVERAGE FOR ING PREMIER CRITICAL COVER (IPCC)

A. There will be no coverage for:

1. Suicide within one (1) year from the Date of Issue or Date of Reinstatement of the Policy, whichever is later.

2. Critical Illness

i) disease (s) resulting from acquired Immuno Deficiency Syndrome (AIDS), AIDS – related complex or infection by Human Immuno Deficiency Virus (HIV) unless the condition of the disease or infection arose as a result of blood transfusion in accordance with the critical illness definitions of the policy.

ii) Pre – existing Illness which existed before the Policy Date of Reinstatement of the policy, where pre – existed Illness shall mean disabilities that the Life Insured has reasonable knowledge of. A Life Insured may be considered to have reasonable knowledge of a pre – existing condition where the condition is one for which:-

1. The Life Insured had received or is receiving treatment; or
2. Medical advice, diagnosis, care or treatment has been recommended; or
3. Clear and distinct symptoms are or were evident; or
4. Its existence would have been apparent to a reasonable person in the circumstances.

iii)Angioplasty, cancer, coronary artherectomy, heart attack, other serious coronary artery disease and/or surgery for coronary arterial disease occurring within sixty (60) days after the Policy Date or Date of Reinstatement of the Policy.

iv) Diseases other than those specified in 2 (iii) above occurring within thirty (30) days after the Policy Date of Reinstatement of the Policy.

v) Critical Illness claim/s resulting directly or indirectly from any Congenital Conditions for lives with age of entry of two (2) years or less where such disorder is known to the Policy Owner. Congenital Conditions shall mean any medical or physical abnormalities existing at the time of birth as well as neo – natal physical abnormalities developing within 6 months from the time of birth. They will include hernias of all types and epilepsy except when caused by a trauma which occurred after the date that the insured was continuously covered under this Policy.

vi) Critical Illness resulting from all or any self – inflicted injury while sane or insane.

3. Total and Permanent Disability resulting from

i) Travel or flight in or on any type of aircraft expect on a regular scheduled         passenger flight of a commercial aircraft.

ii)Any activities of a military nature whilst being engaged in military service.

iii)All or any self – inflicted injury while sane or insane.

B. The aggregate amount of sum insured issued by the Company under this policy and all polices providing for similar critical illness coverage on the same life shall not exceed RM1,000,000.00.

C. Sum Insured for child below the age of four (4) years is reduced upon death, TPD or diagnosis of any of the Critical Illness or actual undergoing of Surgery covered by this policy of the child. The sum insured payable will be according to the table below:

PLEASE NOTE:

1. IPCC is open to anyone from 30 days old to 60 years old subject to underwriting.
2. Premiums are payable throughout the policy term on a yearly, half – yearly, quarterly or monthly basis depending on your payment choice.
3. Premiums are based on your entry age and are guaranteed level throughout the policy term.
4. A policy terminated within the first three policy years will not have any cash value. If you terminate your policy in the early years, you may get back less than the amount you have paid in.
5. You should satisfy yourself that the plan will best serve your needs and that the premium payable under the policy is an amount that you can afford.
6. If you cease paying premiums, any accumulated cash dividends will be utilized to pay future premiums and this may shorten your coverage period.
7. Within fifteen (15) days from the date the policy is delivered to you, you are free to review the policy and cancel the policy without assigning any reason. ING will refund all the premiums already paid less any expenses incurred for medical examination (if any).
8. You may refer to the booklet ‘The Introduction to Medical and Health Insurance Products’ issued by Bank Negara Malaysia for more information on medical and health plans.
9. For a guide on what to consider before buying this plan, you may request for a copy of the medical and Health Insurance (MHI) Information Checklist from your ING agent.
10. The benefits and features described above have been summarised and are not exhaustive. Please refer to the policy contract for detailed benefits, exclusions and terms and conditions.
11. It may not be advantageous to switch from one MHI plan to another, as you may be subject to new underwriting requirements, full waiting period and any applicable period for the exclusion of specified illness/pre – existing conditions of the new policy.
12. 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 4.0 May 1, 2007

ING PrimeLife Insurance

Flexibility and control with total peace of mind

Life is about living it to the fullest. About reaching for a higher goal. At different stages of your life you have different goals; whether it is owning the home you’ve always dreamed of, giving your children the best or just having the financial freedom to enjoy your golden years. Now, with ING Prime Life Insurance, your goals are within reach.

ING Prime Life Insurance offers insurance coverage and wealth creation opportunities to meet your different financial goals during the various stages of your life. The plan offers you the control to manage both your protection and investment needs. It is designed to remove your worries and start you living secure in the knowledge that you and your loved ones are protected against any untoward events.

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, a global financial institution.

Some of the plan’s features are option to vary premium/ sum insured, fund switching, investment top up, fund withdrawals and premium holiday.

Contact Us

Benefits:

• Life protection
• Total and permanent disability coverage

Optional Benefits:

• Accidental death and disability coverage.
• Disability income
• Critical illness protection ?Lightens the burden of extra expenses and medical costs incurred in the event      critical illnesses is diagnosed.
• Spouse protection - Provides yearly income to cope with difficult times in the event of death, total and          permanent disability or diagnosis of critical illness of the insured抯 spouse.
• Coverage for specific female illnesses and maternity benefits.
• Hospitalization and surgical benefits - this covers hospitalization and surgical expenses as well as out of      hospital benefit
• Premium waiver - Depending on specific events occurring on the life of the insured or the payor, all future    premiums would be waived. Let us pay for your premiums while you just focus on getting better.

Features This is a whole life unit-linked policy for which policyholders can get insurance coverage up to age 100. It also seeks to provide you with investment return through units allocated in the ING Investment Funds.

Benefits;
5-in-1 plan. This is an insurance plan with 2 major elements – protection and investment. You can choose your own protection and investment mix within the policy.

Flexibility
• Option to vary premium and sum insured
• Fund switching
• Investment top-up facility
• Cash out benefit
• Partial fund withdrawal
• Premium holiday

Whole life protection. This plan covers the insured up to age 100.

Optional Additional Coverage. This plan offers an additional protection with a whole range of riders attachable:-
• Accelerated Critical Illness Rider
• Accidental Death / Disability Rider
• Disability Income Rider
• Living Waiver of Premium Rider

ING MEDIPLUS RIDER

Your healthcare needs fulfilled at affordable costs With the escalating costs in today living, it is wise to take measures and exercise prudence in our spending. We are not spared when medical costs increase and we should not compromise on our health. When an unforeseen event especially concerning health happens to you, your loved ones and friends are also affected. What you need most at this time is to concentrate on immediate treatment and recovery. Mounting hospital bills should be the least of your worries. As our population mortality rate improves, the plan coverage up to age 80 years ensures you receive quality healthcare during the time you need it most.  Attached to ING Prime Life Insurance, this rider covers hospitalisation and out-of-hospital expenses. If you opt for the cashless facility (using ING Medical Card at our panel hospitals), we will pay the medical bills according to the plan you have purchased, without you having to make payment first. For non-cashless facility, you settle the medical expenses first, and submit for reimbursement later. Escalating costs? No worries, UL MediPlus will be there for you.

BENEFITS:
• No deductibles.
• Hospitalisation and surgical benefits
• Out-of hospital benefits
• Daily cash allowance if you hospitalized at a Malaysian government hospital
• 24 x 7 referral emergency assistance

ING HOSPITAL INCOME RIDER

The rider that provides your income when you need it most. Most of us labor through our busy schedules to provide for our loved ones and hope to make a better living. However, the same benefits may not be applicable to the self-employed or daily wage earners upon hospitalization. They have to deal with the loss of income due to their inability to work and yet still have to find solutions to meet the daily financial obligations and increasing medical expenses.  Attached to the unit-linked ING Prime Life Insurance plan, this rider is available in 8 selections ranging from a daily income of RM50 to RM400. It covers the insured up to age 80 years. The rider pays a daily income for each day of hospitalization, up to 365 days per illness or injury. With his financial burden lightened, the insured can focus on getting better.

BENEFITS:
• Daily income From RM50, 100, 150, 200, 250, 300, 350, 400 for up to 365 days of hospitalization per injury or illness

Contact Us

Face to Face

We will attend to you upon request for the appointment. Our facetoface time is from 8am to 5pm only.

Door to Door

We will deliver our doortodoor service such as policy document/letter of offer to your office/home. Time is from 9am-5pm.

Website

Our website provide you 24 hours a day 7 days a week. You able to download / print sign and we will collect from you on face to face. And fax to +603 3344 2277 for verifications.

Email

By email you able to send any request or appointment to malaysia@insured-life.com and we will reply you by phone.

SMS/TEXT

SMS or TEXT to +6012 207 5570 if you have any enquiries regarding ING Products/Services.

Value Added Services

We provide value added service to all the life insurance policy holders in malaysia.

ING Insurance Berhad is part of the ING Group, a global financial institution of Dutch origin offering banking, investments, life insurance and retirement services to over 85 million private, corporate and institutional clients in more than 50 countries. With a diverse workforce of about 130,000 people, ING is dedicated to setting the standard in helping its clients manage their financial future.

In Malaysia, ING Insurance provides all classes of insurance ranging from life insurance, general insurance and employee benefits. ING Insurance has the financial strength, experience, service centre network, as well as a team of well-trained staff and agents to serve its over 1.5 million customers nationwide. As at the end of 2008, its total asset worth was RM10.5 billion, with a paid-up capital of RM140 million.

Join ING Insurance @ Insured-life.com!!

If you are a person with a can do spirit, have a desire for success and focused on results – then you are ready to join the ING Sales Team! ING Malaysia provides all classes of insurance ranging from life insurance, general insurance, employee benefits, fixed rate home loans to unit trusts.

We have the financial strength, experienced service centre network as well as a team off well-trained staff and more than 9000 agents to serve its over one million customers nationwide. So if you are interested and willing to explore on a non conventional career option - do come and join us and let’s start talking about your future!

LIFE INSURANCE COMPANIES

IN MALAYSIA

Allianz Life Insurance Malaysia Berhad - allianz.com.my

AmLife Insurance Berhad

American International Assurance Bhd - aia.com.my

AXA AFFIN Life Insurance Berhad - axa-affin.com

CIMB Aviva Assurance Berhad - cimbaviva.com

Etiqa Insurance Berhad - etiqa.com.my

Great Eastern Life Assurance (Malaysia) Berhad

Hannover Life Re, Malaysian Branch - hannoverlifere.com

Hong Leong Assurance Berhad - hla.com.my

Malaysian Assurance Alliance Berhad

Manulife Insurance Berhad

Mayban Life Assurance Berhad

MCIS ZURICH Insurance Berhad

Prudential Assurance Malaysia Berhad

TM Asia Life Malaysia Bhd.

Uni.Asia Life Assurance Berhad

Contact Us

FAQ on Medical Insurance / Health Insurance Plan

Q. What is your latest Medical/Health plan selling in the market??
A. ING Mediplus. It is compliant with Bank Negara JPI/GP116 Guidelines on Medical and Health Insurance Business (Revised) issued in August 2005.

Q. Can I still purchase the old medical plan?
A. No, as the old medical plan has been withdrawn and has been replaced with ING Mediplus.

Q. What are the annual limits for the Medical plans?
A. AHM / IHP / IMP (Non-Cashless) offers a choice of four (4) types of plan

Plan 1 covers up to Annual Limit of RM35,000
Plan 2 covers up to Annual Limit of RM70,000
Plan 3 covers up to Annual Limit of RM105,000
Plan 4 covers up to Annual Limit of RM140,000

Attained Age Group Revised Annual Limits

Plan 1 Plan 2 Plan 3 Plan 4
0 - 5 35k 70k 105k 140k
6 - 15 35k 70k 105k 140k
16 - 21 35k 70k 105k 140k
22 - 29 30k 60k 105k 140k
30 - 39 30k 60k 105k 140k
40 - 49 30k 60k 105k 140k
50 - 54 30k 60k 105k 140k
55 - 59 30k 60k 105k 140k
60 - 64 30k 60k 105k 140k
65 - 69 30k 60k 105k 140k

Important Notes:-
a. If higher annual limit is given earlier, it will not decrease the annual limit when the age falls under the non-impacted group later.
b. To quote the annual limit for the impacted plans based on the entry age

IMP II offers a choice of four (4) types of plan
Plan 1 covers up to Annual Limit of RM35,000
Plan 2 covers up to Annual Limit of RM70,000
Plan 3 covers up to Annual Limit of RM105,000
Plan 4 covers up to Annual Limit of RM140,000

Important Notes: -
a. If higher annual limit is given earlier, it will not decrease the annual limit when the age falls under the non-impacted group later.
b. To quote the annual limit for the impacted plans based on the entry age

IMPlus offers a choice of three (3) types of plan
Plan 1 covers up to Annual Limit of RM50,000
Plan 2 covers up to Annual Limit of RM100,000
Plan 3 covers up to Annual Limit of RM150,000

Important Notes :- Since this policy is a standalone medical plan it doesn’t require to purchase RM5000 Term@70)

Q. What is the difference between the cashless and non-cashless options?
A. There is no difference for the plan benefits except for the cashless facility i.e. ING Medical Card where authorized hospital bills are settled upon discharge. For non-cashless, you pay first and           submit your claim to ING for reimbursement. The premium rates for non-cashless option are lower than the cashless option.

Q. What the differences between ING Medical Plan (IMP and IMP II) and the ING Health Plan (IHP)?
A. Total bill under ING Health Plan (IHP) is covered or reimbursed as per amount charged while ING Medical Plan customers need to pay RM50 out of the total bill. No changes in the coverage

Q. What are the differences between the IMP II and IMPlus?
A.
Feature & Benefit IMPlus IMP II
Room & Board Plan 1: 120 Plan 1: 100
ICU Plan 2: 180 Plan 2: 150

Plan 3: 260 Plan 3: 200
ICU: 300 Plan 4: 250
ICU: 250

Annual/Lifetime Limit Plan 1: 50K / 150K Plan 1: 35K / 105K
Plan 2: 100K / 300K Plan 2: 70K / 210K
Plan 3: 150K / 450K Plan 3: 105K / 315K
Plan 4: 140K / 420K

Government Hospital Govt. Daily Cash Hospital Cash

Allowance/ Hospital Allowance: RM50 Allowance: RM100 – RM500 (Lump-sum)

Cash Benefit
Specific Illnesses Waiting Period: 120 days
New Specific Illness:
Vertebro-spinal disorders and knee conditions
Removal of gastric or
duodenal ulcer Waiting Period: 12 months
Exclusions No major changes
Standalone Yes Rider
Not required to purchase Term Must attach with 5K Term @70
Premium Rates Different Rates for Male and Female Unisex

Q. Can I convert my policy from IMP11 to IMPlus or vice versa?
A. Conversion is not allowed.

Q. Why is the new hospital plan has a deductible feature where customer needs to pay certain amount of the medical bill?
A. This plan is in line with LIAM’s requirement to apply co-insurance and/or deductibles on all new Hospital & Surgical (H&S) insurance policies issued on and after 1st October 2003. Conjunction to      act to the guideline, as of 15/1/2004, all IMP and IMP II plan will have self-insured deductible. AHM and IHP benefit will remain the same with no self-insured deductible. A deductible amount of      RM50 is payable by the policyholder. This deduction is applicable per hospital admission / outpatient surgery and the same amount will apply for plans 1, 2, 3, or 4

Q. Instead of paying the RM50 upon discharged from the hospital or deducted during reimbursement, can I request to deduct the RM50 from the balance of my coverage?
A. No

Q. If I were to admit into a government hospital and by total bill is below RM100, will I still need to bear RM50 for the total bill or will I get reimburse in full?
A. Yes, the RM50 will still be deducted from the total bill.

Q. Upon claim, how will the RM50 being deducted?
A. For Cashless admission, the customer needs to pay RM50 upon discharged from the hospital. This is on top of any excess amount resulting from non-payable items reflected in the GL (Statement     Of Approved Claim) under “Amount Not Approved” generated by Medilink.

For Non-Cashless, ING will reimburse the balance of the amount after deducting the RM50 from the total bill.
Q. Is this deductible feature applies for every admission or per disability?
A. Applies for all admission and day care surgery.

Q. Beside from the RM50 customer need to pay, is there any other charges the customer may need to bear?
A. No other charges except for any excess amount resulting from non-payable items reflected in the GL (Statement of Approved Claim) under “Amount Not Approved” generated by Medilink

Q. Is the amount deductible applies for both Cashless and Non-Cashless plans?
A. Yes applies for both Cashless and Non-Cashless plans

Q. What are the coverage provided within the 30 days?
A. Coverage provided within 30 days are:
Accidental Injury

Disease, illness disclosed in the proposal at time of application.
Acute condition at the discretion of the claims personnel

Example:
Dengue Fever
Food Poisoning/ Acute Gastro Entritis
Acute Appendicitis
Acute Gastroenteritis

Insect Bite
JE / Viral Infection - Example: Coxsackie
HFM Disease
Typhoid Fever / Dysentry (Intestine Infection)

Note: If the illness is disclosed but underwriter decided that the illness must be exclude from coverage then a special endorsement must be attachment to that effect

Q. Why am I no longer entitled for in-hospitalization visitation program?
A. The hospital visitation program was an initial promotional move when we first launched the health plan with the cashless facility and the company has decided to cease the visitation program effective March 1, 2003. However, for policyholder carrying Cashless Plan under Plan 3 & 4, you are still entitled for Get Well Gift program.

Q. Who is entitled for Get Well Gift Program?
A. All Cashless policyholder with plan 3 or 4 are entitled to Get Well Gift Program if the life insured admitted to the hospital.

Q. How can agents collect the Get Well Gift for their customers?
A. Below are the following procedures that apply with regard to the collection of the gift from any of ING main branches nationwide:-
After the policyholder is discharged, Citibank will forward the cash benefits cheque for agent to deliver to the customer. Together with the cheque is an attachment marked, “Please collect your         get well gift from the branch” for agent to claim the gift.

Please collect the gift from any of our main branches within 1 month from the date of receipt of the cash benefits cheque failing which the gift offer shall lapse

You should be able to collect your gift within 3 working days upon presentation of the cash benefit slip. However, if the quantity to be collected is large or the gift is not in stock, please allow 3 weeks for stocks to be made available.

Agent will need to deliver the gift item to the policyholder and return the acknowledgement of receipt to the branch within 14 days of the delivery date.

Q. Who is Datalink?
A. MediLink is our systems and network provider for the automation of cashless facility in the hospitals.

Q. Who is Asia Assistance?
A. Asia Assistance is our service provider for the International Medical Assistance program. They also facilitate cashless admission to non-panel hospitals.

More… PART 2

Contact Us