MCIS Life MCIS Life

A comprehensive employee benefits insurance plan that offers life and medical protection to safeguard your workforce.

Running a small and medium-sized enterprise (SME) and looking to expand your company’s employee benefits? SME Care+ is the right group insurance plan for your small business.

A small business’s life and health insurance for employees don’t necessarily have to be two separate policies. SME Care+ gives you the choice of having both to fully protect your workforce’s well-being.

With specialised employee benefits and full medical coverage for your staff, SME Care+ is key to showing care and empathy for your employees—which could prove to be beneficial for your enterprise’s future.

After all, studies have shown that happier employees are more engaged, leading to as much as 20% increase in productivity and thus potentially better profits for the company.

EzySaver Basic

This is a non-participating endowment plan that puts 70% of your premiums into your savings. It's a solid foundation for building your wealth steadily over time.

EzySaver Booster

Now, here's where the magic happens. With this investment-linked plan, 30% of your premiums are invested in carefully chosen funds that you get to pick. This boosts your overall savings and opens up exciting opportunities for potential investment returns.

Effortless Wealth Increment

But there's more! With EzySaver, you'll receive Guaranteed Cash Payments every year starting from the third year of your policy and continuing until the end of the policy term. These payments provide a reliable source of additional income, helping your wealth grow effortlessly.

An Insurance Policy for All Malaysians

Whether you're a fresh-faced young professional starting your career, a growing family planning for the future, or an individual dreaming of a comfortable retirement, EzySaver is designed just for you. We believe in the power of starting now, because taking that first step towards financial security is absolutely crucial.

With EzySaver, you're on the right path. So why wait? Protect your future and buy your policy today. Start investing in your dreams and watch your savings flourish.

MyCritical Cover is a regular premium, yearly renewable critical illness plan which provides coverage for Cancer, Stroke, Heart Attack and Kidney Failure. This plan does not have any surrender value as it is a pure critical illness protection plan.

This plan offered to customers who would like to purchase a simple critical illness protection plan directly from MCIS Insurance Berhad via our branches and our website (www.mcis.my).

This plan suits Malaysians aged 18 to 45 years old (age next birthday), in need of a pure Critical Illness protection plan.

The insurance coverage for this plan is up to the expiry age of 70 years old (age next birthday). As long as you pay the premiums required, you will remain covered until the expiry age.

You may choose to pay your premiums annually, semi-annually, quarterly or on a monthly basis. Payments can be made via online banking and credit/debit card.

The minimum Basic Sum Assured is RM10,000 while the maximum Basic Sum Assured is RM250,000.

Premium is not guaranteed and MCIS Insurance Berhad reserve the rights to revise the premium payable by giving 30 days’ prior notice.

No, there are no riders attachable to MyCritical Cover.

Yes. You can surrender the policy at any time but no surrender value will be payable upon termination of the policy.

  1. Pre-existing illnesses.
  2. If the Critical Illness is diagnosed during the Waiting Period.
  3. Myocardial Infarction (heart attack) if the Life Assured had undergone a Coronary Bypass Surgery prior to the Issue Date or any reinstatement date of the plan.
  4. Injuries or illnesses caused by self-inflicted injury or duelling while sane or insane within thirteen (13) months from the Issue Date or any reinstatement date, whichever is later.
  5. Injuries or illnesses suffered during active participation in riot, strike or civil commotion, committing an unlawful act, by the hands of justice, willful misuse of alcohol, and taking of drugs not prescribed by a registered medical practitioner.
  6. Injuries or illnesses suffered from insurrection, war or invasion or any act incidental thereto (whether declared or not) or from aviation (except as an ordinary fare-paying passenger or crew member on a regular public air service) or gliding, motor racing, horse racing or submarine operations.
 

Note: The list above is not exhaustive. Please refer to the Policy Contract for full details.

 

Yes, the following waiting period shall apply from the Issue Date or any reinstatement date, whichever is later:
  1. 60 days for Cancer and Heart Attack
  2. 30 days for Stroke and Kidney Failure

Yes, there is a survival period of 30 days following the diagnosis and confirmation of the critical illnesses.

Note

  • The above list is not exhaustive. Please refer to the Policy Contract for full details.
  • The product information provided on this website is for general information only and shall not be construed as a policy of insurance. You are advised to refer to the Product Brochure, Sales Illustration (if applicable), Product Disclosure Sheet and Policy Contract for complete details of the product.
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