SME SmartProtector

SPECIALLY DESIGNED FOR SME EMPLOYEES

Providing the best protection for your valuable employees.

COMPREHENSIVE COVERAGE AGAINST LIFE’S UNCERTAINTIES & MEDICAL PROTECTION

This product provides basic death coverage and optional coverage for Total & Permanent Disability (TPD), Partial & Permanent Disability (PPD), Terminal Illness (TI), Accidental Death & Dismemberment (ADD), Dread Disease (DD) and Hospitalisation & Surgical expenses.

COMPLIMENTARY TERMINAL ILLNESS BENEFIT

This product provides complimentary Terminal Illness coverage up to RM150,000 subject to the selection of plans and only the coverage in excess of RM150,000 is charged.

SIMPLE & FLEXIBLE SOLUTIONS

With flexible coverage and same premiums regardless of occupation class, our solution provides you a packaged protection depending on your needs. As long as you have at least 5 eligible employees, you will be able to purchase this plan.

HASSLE-FREE ENROLMENT PROCESS

No hassle of going through medical examinations or completion of health questionnaire is required*. Just submit a simple application form and receive immediate coverage upon approval.

BASIC COVERAGE

DEATH BENEFIT

In the unfortunate event of death due to both accidental and non-accidental causes, the Basic Sum Assured less any previous claim made under PPD Benefit will be payable in one lump sum.

OPTIONAL COVERAGE

TOTAL & PERMANENT DISABILITY (TPD) BENEFIT

In the event of TPD due to both accidental and non-accidental causes, the Basic Sum Assured less any previous claim made under PPD Benefit will be payable.

PARTIAL & PERMANENT DISABILITY (PPD) BENEFIT

In the event of PPD due to both accidental and non-accidental causes, a percentage of the Basic Sum Assured as stated in the Schedule of Compensation will be payable.

TERMINAL ILLNESS (TI) BENEFIT

Upon diagnosis of a condition that is expected to result in death within 12 months, the Basic Sum Assured less any previous claim made under PPD Benefit will be payable.

ACCIDENTAL DEATH & DISMEMBERMENT (ADD) BENEFIT

In the event of death or dismemberment due to accidental cause, a percentage of ADD Sum Assured as stated in the Schedule of Compensation** will be payable.

HOSPITALISATION & SURGICAL BENEFIT

Comprehensive medical coverage for hospitalisation expenses, intensive care services, surgical expenses, outpatient cancer and kidney dialysis treatment, second surgical opinion, etc. This benefit can be extended to your employees’ dependents too!

DREAD DISEASE (DD) BENEFIT

Upon diagnosis of one of the 36 dread diseases (except for Angioplasty and Other Invasive Treatments for Coronary Artery Disease), the DD Sum Assured will be payable. As for Angioplasty and Other Invasive Treatments for Coronary Artery Disease, 10% of the DD Sum Assured (up to a maximum of RM25,000) will be payable and the DD Sum Assured will be reduced accordingly.