INSURANCE | Mortgage | ING Malaysia

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.

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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

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