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.

Coverage For Death & Total and Permanent Disability (TPD)

In the unfortunate event of Death or TPD(1) of the child (Life Assured), whichever occurs earlier during the policy term, the following will be payable after deducting any indebtedness:

The higher amount of:
• Total premium paid for EduSecure Basic without interest (excluding any loading); or
• 100% of the Basic Sum Assured
  +  
Account Value (if any)

EduRewards

While the policy is in-force, EduRewards which is a guaranteed cash payment equivalent to 30% of the Basic Sum Assured less any indebtedness, will be payable on the policy anniversary where the Life Assured age next birthday is 18, 19, 20 and 21 respectively.

You have the following options:
• Option 1:
  Receive the EduRewards when it is due.

OR

• Option 2:
  Re-invest the EduRewards into your chosen investment-linked funds.

EduRewards Plus

Upon maturity, EduRewards Plus equivalent to 30% of the Basic Sum Assured plus Account Value (if any), less any indebtedness, will be payable as maturity benefit.

Potential Returns From Investment-linked Funds

Account Value is formed by investing the following sources into your preferred investment-linked funds:
a. Premiums paid for EduSecure Saver(2) ; and
b. 100% of the EduRewards (if you have selected Option 2); and
c. Investment Top-Up Premium(2) (if any).
This investment element can potentially boost your child’s education funds.

Coverage For Payer

a. Payer Benefit Rider (Compulsory)
Payer Benefit Rider is made mandatory under this plan for you to enjoy the education tax relief (subject to approval by the Inland Revenue Board). This rider will waive the future premiums in the event of Death or TPD of the Payer, or if the Payer is diagnosed with one of the 36 Critical Illness during the basic premium paying term. With this, you will have peace of mind knowing that your child’s education remains undisrupted.

b. Term Rider – Payer (Optional)
You may opt to attach a Term Rider – Payer which provides coverage for Death or TPD for the Payer during the basic premium paying term, up to 100% of the Basic Sum Assured. The benefit payable can be served as a compassionate allowance to your next of kin.

Learn More

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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