Malaysia ING Insurance Agency | Financial Planning | Mortgage

ING Investment Link Unit Link Performance Year 2008

Category: Unit Link | Investment Link

Malaysia ING BizPro Package | ING Commercial Insurance Premium

Category: Group & Commercial Insurance, Insurance

Trade/Occupation Classification Category 1 and Category 2

Fire Rating

M&E All Risk

Trade/Occupation Classification

Class 1A

Class 1B

Rating

Category 1

1102 ?Retail Trading ?General Merchandise:

General Provision	Foodstuff, general merchandise, sundry goods (excludes Chinese medicine, foodstuff such as shark fins, bird抯 nest, abalone, etc.), confectionary & biscuit, cake house (without baking)
Textile/Clothing/Footwear	Textiles, boutiques, shoes
Florist/Gift Toy	Fresh flowers, artificial plants and flowers, handicraft, gifts, toys
Bookshop	Books, magazines, stationery and paper products
Furniture/Furnishing Household/Office Equipment	Furniture, curtains & its accessories, carpets,tiles, sanitaryware, lightings & its accessories,household electrical appliances (such as washing machine, blenders, mini-compo, refrigerators, etc.), crockery, cutlery, kitchenware, typewriters, metal cabinet, calculator and other office equipment (excluding computers, laptops, and all computer related)

0.254

0.314

0.80

1116 - Salon - Hair dressing and Beauty

0.218

0.268

0.80

1106 - Departmental stores, emporiums, supermarkets, mini-markets and shopping complexes

0.158

0.196

0.80

1118 - Signboard Maker / Frame Maker Premises

0.44

0.544

1.00

MOTOR SHOWROOM/SALESROOM ONLY2802 - Motor vehicles and cycles, bicycles and agricultural implements Showroom/Salesroom

0.253

0.31

0.80

GENERAL STORAGE3402 - General Merchandise (refer above trades) Storage

0.22

0.275

0.80

STUDIOS3308 - Photographic, art and advertising studios

0.223

0.272

0.90

Category 2Hotels, Offices And Other Simple Occupancies

1202 - Hotels, boarding houses, rest houses and chalets

0.139

0.168

0.60

1204 - Office buildings and contentsNot more than 50% of the total floor area is occupied as the retail trading purposes (if more than 50% of the total floor area is occupied for retail trading purposes, rate under general merchandise)

0.08

0.093

0.50

1208 - Universities, colleges and schools

0.109

0.13

0.60

1210 - Research and Scientific Institutes and laboratories

0.159

0.193

0.60

1212 - Hospitals, nursing homes, orphanages, welfare homes, veterinary surgeries and animals hospitals.

0.105

0.125

0.80

1216 - Religious institutions, libraries and museums

0.087

0.102

0.60

Trade/Occupation Classification Category 3 and Category 4

Fire Rating			M&E All Risk
Trade/Occupation Classification	Class 1A	Class 1B	Rating
Category 3Restraurants, Places Of Recreation
2902 - Coffee Shops and Restaurants	0.186	0.227	0.60
2905 - Social/Cultural/Political/Athletic and Sports Clubs	0.109	0.134	0.60

Category 4
Other Risks
1512 - Bakeries, biscuits, confectionery and candy manufacture	0.223	0.281	0.80
1514 - Meehoon, noodles and related products	0.403	0.497	1.00
1516 - Sauce and pickle factories	0.138	0.166	0.60
1526 - Food processing EXCLUDING dairy product manufacture, copra kiln, sago, tapioca and starch factories, animal food manufacture including feed mills, poultry farms, animal farms, aquaculture and abattoir	0.185	0.23	0.60
2109 ?Printers ?general printers, newspaper printers, magazine/ periodicals/book printers	0.216	0.28	0.80
2804 - Motor workshop - without spray painting	0.21	0.255	0.80
2806 - Motor workshop - with spray painting	0.265	0.325	0.90
2755 - Engineering Premises, Blacksmith (general metal works)	0.196	0.239	0.60
2708 - Manufacture/assembly of electrical plant, machinery, tools equipment and appliances	0.157	0.19	0.60
2709 - Manufacture/assembly of electronic components, equipment and appliances and semi-conductor risks (excluding Wafer Manufacturer)	0.142	0.171	0.50
2720 - Manufacture/assembly of mechanical plant, machinery, tools, equipments and appliances including boilers, turbines, engines, pumps, centrifugal separators, etc.	0.205	0.249	0.60
2726 - Other Metal products manufacture EXCLUDING smelting works, foundries, rolling mills & structural metal works, wire and cable manufacture, treatment of metal products, electroplating, metal cans/containers manufacture, metal screw & nails manufacture.	0.137	0.164	0.50
3902 - Cold stores, ice (other than dry ice) factories and contents subject to Cold Storage Clause (A)Note: Where the contents are subject to Cold Storage Clause (B), 0.100% additional premium is to be charged on value of contents.	0.328	0.403	0.90

Risks NOT acceptable in this package are:Hand phones/mobile phones-related retailers or supplier, computer/computer-related retailers or suppliers, cyber cafes, jewellery/gems/precious metal dealers, pawnbrokers, money lenders or money changers, amusement parks/ arcades, cash, cigar, cigarette, provisions goods distributors inclusive of dried expensive food-stuff consisting of shark fins, abalone, scallops and the like, chemists/druggists, discotheques, nightclubs, bars, pubs, liquor/wine/spirit distributors, scrap metal, electrical appliances/Hi-fi dealers and Chinese medical halls, automobile spares parts/ accessories/tools, watch/pen shops.

Additional Perils Extension (for FIRE class only):

Additional Perils Extension (for FIRE class only):

Additional Rate

Electrical Installation Clause (B)

0.056

Explosion	- Ind. with boilers (difference 0.008 less 0.006)
	Non-ind. with boilers (difference 0.008 less 0.005)

0.002

0.003

Aircraft Damage

0.005

Earthquake and volcanic eruption

0.010

Storm, Tempest

0.015

Flood

0.086

Impact Damage

0.004

Landslip and Subsidence

0.081

Bush/Lalang Fire

0.005

Spontaneous Combustion

- by Fire

- full cover

0.081

0.161

Sprinkler Leakage

- Buildings

- Contents

Exclusion (d) and (e) may be deleted subject to an additional charge of 10% of the relevant sprinkler leakage rate being applied

0.005

0.025

Cold Storage

- Cold Storage Clause (A)

- Cold Storage Clause (B)

Nil

0.100

Schedule of Benefits

Sections	Insurance Coverage		Sum Insured/Limits Of Liability (RM)
A	Fire
	Coverage: Fire, Lightning, Explosion, Riot, Strike and Malicious Damage and Bursting or overflowing of water tanks, apparatus and pipes.		To be determined by the Insured (Total sum insured for Section A & B should not exceed RM2,000,000. If exceeds this amount, refer to the Insurer).
B	CONSEQUENTIAL LOSS ?Optional
	This policy indemnifies the insured for his additional expenses incurred and loss of profit following the interruption of his business as a result of a fire or an insured peril.Consequential Loss Policy shall be issued only in conjunction with Fire Policy covering property. Consequential Loss Policy and Fire Policy are required to be concurrent.		To be determined by the Insured (Total sum insured for Section A & B should not exceed RM2,000,000. If exceeds this amount, refer to the Insurer).
C	Machine & Equipment All Risks ?Optional
	Cover against loss or damage caused by fire, theft and accidental means except as excluded in the policy. Applicable to machinery and/or equipment.		To be determined by the Insured (Total sum insured for Section C should not exceed RM500,000. If exceeds this amount, refer to the Insurer).
			Plan A	Plan B	Plan C	Plan D
D	Burglary
	Loss of or Damage to Property Insured under Section A		35,000	50,000	80,000	100,000
E	Money
	Loss of monies whilst in transit, in custody or in charge of the Insureda) Money in the insured premises
		i).Cash kept in the locked cabinet, locked drawer, cash registers and/or petty cash boxes.	1,500	2,000	2,500	3,500
		ii). Cash kept in locked safe or strongroom: During business hoursAfter business hours	5,000 3,000	10,000 5,000	15,000 10,000	20,000 15,000
		iii).Cash kept in the premise not otherwise described in (i) and (ii) above	750	1,000	2,000	3,000
	b)	Money in transit	5,000	10,000	15,000	20,000
	c)	Personal Accident(Assault) per person (up to 2 persons)	10,000	10,000	10,000	10,000
F	Public Liability
	On insured抯 legal liability to third parties for bodily injury/death and/or property damage.
		Limit on any event	200,000	300,000	500,000	1,000,000
		Limit on any one period	1,000,000	1,000,000	1,000,000	1,000,000
G	Plate Glass
	To fixed glasses up to		3,000	5,000	10,000	20,000
H	Employer’s Liability
	On Employess
		Limit on any one event	100,000	200,000	300,000	500,000
		Limit on any one period	1,000,000	1,000,000	1,000,000	1,000,000
I	Group Personal Accident
	On Accidental Death and Permanent Disablement (up to 4 persons, age 18 ?65 years old)		15,000 per person	15,000 per person	20,000 per person	20,000 per person
	Premiums For Section D, E, F, G, H & I
	Category 1		699	927	1,457	1,947
	Category 2		478	650	993	1,450
	Category 3		744	996	1,521	2,147
	Category 4		774	1,103	1,725	2,397
J	Fidelity Guarantee ?Optional
	Aggregate limit ?up to 5 unnamed employees		3,000	5,000	7,500	10,000
	Premiums For Section J
	For All Categories		60	75	100	125

Note:

1. Machine & Equipment All Risks is subject to an excess of 2% of loss or RM500 minimum, whichever is higher, on each and every claim.

2. Burglary

a.	Without burglar alarm and/or CMS (Central monitoring system), Policy is subject to an excess of 5% of sum insured on each and every claim.
b.	This section (Section D) is subject to minimum protection, where all entrances/exits including windows must be protected with iron grills and quality padlocks.

3. ING will only be liable for one (1) plan of this type issued. If there is more than one such plan being covered, ING will only pay the benefit under one plan, which ING will nominate, and will refund in full any premiums that were paid under any other plans.

ING Capital Investment + Insurance | ING Prime Capital Insurance

Category: Investment Insurance, Unit Link | Investment Link

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

ING Panel Hospitals in Malaysia | Medical Card Panel Hospital

Category: ING Panel Hospital

ING Panel Hospitals Malaysia

CASHLESS Medical Card Panel Hospitals

ing-panel-hospital

Below hospital listing is correct at the time of publishing. There are some specialists (doctors) within the appointed panel hospitals for ING Medical Plan policies who have no working relationship with ING whom we termed as non-panel doctors. It is important to note that the company will not provide Financial Guarantee (cashless facility) as security for payment of any hospital charges incurred for treatment by non-panel doctors. Customers who choose to be treated by a non-panel doctor will have to pay all charges in full and submit original bills and satisfactory proof to us for consideration of reimbursement claim of eligible expenses incurred.

UPDATED APPOINTED HOSPITAL

With effect from 1/12/2009
SriKota Specialist Medical Centre

Jalan Mohet 41000 Klang Tel no. : 03-3373 3636 Fax no. : 03-3373 6888

With effect from 1/12/2009
Pantai Hospital Batu Pahat

95, Jalan Bintang Satu 1, Taman Koperasi Bahagia, 83000 Batu Pahat Tel no. : 07-4338811 Fax no. : 07-4331881

With effect from 8/1/2010
Hospital Pakar Perdana

Lot PT 37 & 600, Seksyen 14, Jalan Bayam, 15200 Kota Bahru Kelantan , Tel no.: 09-7458000 , Fax no.: 09-7472877

Please note:-
a) Hospitals marked with **’s require a deposit for admission. The deposit is refundable upon discharge of patient. This list was last updated on Wednesday, December 31, 2008.

Wilayah Persekutuan Kuala Lumpur
Damai Service Hospital115-119, Jalan Ipoh 51200 Kuala Lumpur Tel:+603-4043 4900 Fax:+603-4043 5399	Gleneagles Intan Medical Centre+282 & 286 Jalan Ampang 50450 Kuala Lumpur Tel:+603-42571300 Fax:+603-42579233	Hospital Pantai Indah Sdn Bhd Jalan Perubatan 1 Pandan Indah 55100 Kuala Lumpur Tel:+603 - 42892828 Fax:+603-42967406
Pantai Medical Centre **8, Jalan Bukit Pantai 59100 Kuala Lumpur Tel:+603-22825077 Fax:+603-22821557	Pusat Pakar Tawakal **194A-208A, Jalan Pahang, Setapak 53000 Kuala Lumpur Tel:+603-4023 3599 / 4023 7899 Fax:+603-4022 8063	Pusat Perubatan Pantai Cheras1 Jln 1/96A Taman Cheras Makmur 56100 KUALA LUMPUR Tel:+603-91322022 Fax:+603-91320732
Sentosa Medical Centre36, Jalan Chemur,Kompleks Damai 50400 Kuala Lumpur Tel:+603-4043 7166 Fax:+603-4043 7761	Tung Shin Hospital +No. 102, Jalan Pudu 55100 Kuala Lumpur Tel:+603-2072 1655 Fax:+603-2070 0345
Selangor
Ampang Puteri **No. 1, Jalan Mamanda 9 Taman Dato Ahmad Razali 68000 Ampang Tel:+603-4270 2500 Fax:+603-4270 1712	Arunamari Specialist Medical Centre168, Jalan Batu Unjur 1, Bayu Perdana 41200 Klang Tel:+603-3324 3288Fax:+603-3324 3228	Assunta Hospital +Jalan Templer 46990 Petaling Jaya Tel:+603-7782 3433 Fax:+603-7781 4933
Columbia Asia Medical Centre, PuchongNo. 1, Lebuh Puteri Bandar Puteri 47100 Puchong Tel:+603-80648688 Fax:+603-80648788	Damansara Specialist Hospital **119, Jalan 20/10 Damansara Utama 47400 Petaling Jaya Tel:+603-7722 2692 Fax:+603-7722 2617	Darul Ehsan Medical CentreNo. 32 & 34,Jalan Tengku Ampuan, Zabedah D/9D ,Seksyen 9,40100 Shah AlamTel:+603-5880 8868 Fax:+603-5880 4594
Kajang Specialist Hospital Sdn BhdJalan Cheras Kajang 43000 Selangor Darul Ehsan Tel:+603-87692999 Fax:+603-87692808	Pantai Klang Specialist Medical Centre Sdn Bhd42 Persiaran Raja Muda Musa 41100 Klang Tel:+603-33725222 Fax:+603-33715705	Pusat Pakar Mata Centre For SightNo.1-1 Jalan SS23/15 Taman Sea 47400 Petaling Jaya
Selangor Specialist Hospital Sdn Bhd **Lot 1, Jalan Singa 20/1, Section 20 40300 Shah Alam Tel:+603-5543 1111 Fax:+603-5540 3373	Sentosa Specialist Hospital(formerly known as Kamuning Medical Center) No 27-29 Lorong Temenggung 15A Off Jalan Sg Jati 41200 Klang Tel:+603- 51619232 / 51619252 Fax:+603- 51619280	Sime Darby Medical Centre Subang Jaya **(formerly known as Subang Jaya Medical Centre) 1 Jalan SS12/1A, 47500 Subang Jaya Tel:+603-5634 1212 Fax:+603-5630 6985
Sime Darby Specialist Centre Megah(formerly known as Megah Medical Specialists) 79 Jalan SS23/15 Taman Sea 47400 Petaling Jaya Tel:+603-7803 1212 Fax:+603-7803 8090	Sunway Medical Centre +5, Jalan Lagoon Selatan Bandar Sunway 46150 Selangor Darul Ehsan Tel:+603-74919191 Fax:+603-74918181
Sarawak
Columbia Asia Medical Centre Miri **Lot 1035-1039, Jalan Bulan Sabit C.D.T. 15598009 Miri Tel:+6085-428 621 Fax:+6085-425 677	Kuching Specialist Hospital **Lot 10420, Block 11 Tabuan Stutong Commercial Centre Jalan Setia Raja 93350 Kuching Tel:+6082-365777 Fax:+6082-364666	Normah Medical CentreLot 937, Section 30 KTLD Jalan Tun Datuk Patinggi Hj Abdul Rahman Yaakob, Petra Jaya 93050 Kuching Tel:+6082-440 055 Fax:+6082-442 600
Rejang Medical CentreLot 70 Pusat Pedada Jalan Pedada 96000 Sibu, Sarawak Tel:+6084-330733 Fax:+6084-327342	Timberland Medical CentreLot 5164-5165, Block 16 KCLD 2 1/2 Mile Jalan Rock 93250 Kuching
Sabah
Sabah Medical Centre Sdn BhdLorong Bersatu, Off Jalan Damai Luyang Kota Kinabalu 88300 Kota Kinabalu Tel:+6088-322 098
Perak
Apollo Medical Centre271 Jalan Taming Sari 34000 Taiping Tel:+605-8056000 Fax:+605-8076000	Hospital Fatimah +1, Leboh Chew Peng Loon Jalan Dato?Lau Pak Khuan 31400 Ipoh Tel:+605-545 5713/ 5777 Fax:+605-547 7050	Hospital Pantai Puteri Ipoh **126 Jalan Tambun 31400 Ipoh Tel:+605-548 4333 Fax:+605-545 1163
Ipoh Specialist Hospital Sdn Bhd **26 Jalan Raja Dihilir 30350 Ipoh Tel:+605-240 8777 Fax:+605-254 1388	Kinta Medical CentreNo. 20 Jalan Chung Thye Pin 30250 Ipoh Tel:+605-254 2125 Fax:+605-254 3264	Perak Community Specialist Hospital277 Jalan Kampar 30250 Ipoh Tel:+605- 2545594 / 2548918 Fax:+605- 2554288
Taiping Medical CentreNo. 45-49 Jalan Medan Taiping 2 Medan Taiping 34000 Taiping Tel:+605-807 1971Fax:+605-806 3713
Penang
Bagan Specialist Centre **Jalan Bagan 1 13400 Butterworth Tel:+604-3322800 Fax:+604-3334412	Gleneagles Medical Centre **No. 1, Jalan Pangkor 10050 Pulau Pinang Tel:+604-227 6111 Fax:+604- 226 2944	Hospital Lam Wah Ee **141 Jalan Tan Sri Teh Ewe Lim 11600 Penang Tel:+604-657 1888 Fax:+604-657 0940
Hospital Pantai Mutiara Penang82 Jalan Tengah Bayan Baru 11900 Pulau Pinang Tel:+604-6433888 Fax:+604-6396558	Island Hospital308, Macalister Road 10450 Pulau Pinang Tel:+604-2288222 Fax:+604-2268517	Loh Guan Lye Specialist Centre +19 & 21, Logan Road 10400 Pulau Pinang Tel:+604-228 8501 Fax:+604-229 0287
Medicare Specialist Centre **565 Jalan Sungai Rambai 14000 Bukit Mertajam Tel:+604-538 7577 Fax:+604-538 7620	Penang Adventist Hospital **465 Jalan Burma 10350 Pulau Pinang Tel:+604-222 7200 Fax:+604-227 8512	Tanjung Medical Centre473, Jalan Burma 10350 Pulau Pinang Tel:+604-2262323 Fax:+604-2299008
Pahang
Kuantan Medical Centre Sdn BhdNo. 1 Jalan Tun Ismail 925000 Kuantan Tel:+609-514 2828 Fax:+609-514 7688	Kuantan Specialist Hospital **No. 51 Jalan Alor Akar Taman Kuantan 25250 Kuantan Tel:+609-567 8588 Fax:+609-567 8098
Negeri Sembilan
Hospital Columbia Seremban **No. 292 Jalan Haruan 2 Oakland Commercial Park Seremban Tel:+606-601 1988 Fax:+606-601 1848	NS Chinese Maternity HospitalJalan Tun Dr Ismail 70200 Seremban Tel:+606-7622104,06-7620617,06-7630410 Fax:+606-7630105, 06-7630407	Seremban Specialist HospitalLot 6219 & 6220, Jalan Toman 1 Kemayan Square 70200 Seremban Tel:+606-7677800 Fax:+606-7675900
Melaka
Hospital Pantai Ayer Keroh **No. 2418-1, KM8 Lebuh Air Keroh 75450 Melaka Tel:+606-231 9999 Fax:+606-231 3299	Mahkota Medical Centre, Malacca +No. 3 Mahkota Melaka Jalan Merdeka 75000 Melaka Tel:+606-281 3333 Fax:+606-281 0560	Putra Specialist Hospital (Melaka) Sdn Bhd169 Jalan Bendahara 75100 Melaka Tel:+606-283 5888 Fax:+606-281 0518
Kelantan
Kota Bharu Specialist Cent.PT. 179- 184, Jln Sultan Yahya Petra, Lundang 15200 Kota Bahru Tel:+609-7433399 , 09-7439999 Fax:+609-7433800
Kedah
Hospital Pantai Utara Sungai Petani **(formerly known as Strand Hospital & Retirement Home) 1 Persiaran Cempaka Bandar Amanjaya 08000 Sungei Petani Tel:+604-442 8888 Fax:+604-442 6805	Kedah Medical Centre175, Jalan Pumpong Mukim Alor Merah 05250 Alor Setar Tel:+604-730 8878 Fax:+604-733 2869	Metro Specialists **A7-A9, Jalan Kampung Baru 08000 Sungai Petani Tel:+604-423 8888 Fax:+604-423 8888
Putra Medical CentreJalan Sekerat Off Jalan Putra 05100 Alor Setar Tel:+604-7342888 Fax:+604- 7348882
Johor
Hospital PenawarNO. 17 (A-D) & 18 (A-D) Pusat Perniagaan 81700 Pasir Gudang Tel:+607-252 1800 Fax:+607-251 8199	Johor Specialist Hospital **39B Jalan Abdul Samad 80100 Johor Bahru Tel:+607-2253000 Fax:+607-224 8213	Kempas Medical CentreLot PTD 7522 Jalan Kempas Baru 81200 Johor Bahru Tel:+607-2368999 Fax:+607-2368222
Medical Specialist Center +Wisma Maria Jln Ngee heng 80100 Johor Bahru Tel:+607-224 3888 Fax:+607-223 6785	Pusat Pakar Kluang Utama S/BNo 1, Susur 1 Jalan Besar 86000 Kluang Tel:+607-7718999 Fax:+607-7728999	Puteri Specialist Hospital **33 Jln Tun Abdul Razak ( susur 5 ) 80000 Johor Bahru Tel:+607-223 3377 Fax:+607-223 8833
Putra Specialist Hospital (Batu Pahat) Sdn BhdNo. 1, Jalan Peserai 83000 Batu Pahat Tel:+607-413 3333 Fax:+607-413 7333