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The Daily Hospitalisation Income Benefit will be payable upon admission to a hospital in Malaysia or any country overseas for a minimum period of 6 continuous hours per admission as a result of a disability that is medically necessary, up to a maximum of 730 days per Any One Disability for hospitals in Malaysia and a maximum of 30 days per Any One Disability for hospitals overseas.

“Any One Disability” means all disabilities arising from the same cause or condition including any and all complications arising there from. If the Life Assured completely recovers and remains free from further treatment for such disability (including drugs, medicines, special diet, injections or medical advice) for a continuous period of at least 90 days following the latest date of discharge, any subsequent disability from the same cause or condition shall be considered as though it was a new disability.

Living on the go and chasing your dreams comes with risks and also unknown hazards. Be it for work or leisure, in Malaysia or overseas, have peace of mind while you are on the move as we provide you coverage against some of the perils you might encounter with your active lifestyle.

In the event of your untimely demise due to natural causes, or if you should meet with an accident and pass away within 365 days from the occurrence of the accident, we will pay the amount stated in the Schedule of Benefits based on your cause of death, where it happened, and your chosen plan.

You will be paid a lump sum amount of RM1,500 under the Deluxe plan or RM3,000 under the Premier plan if you lose your passport (inclusive of visa, if any) due to any reason other than negligence, provided that you have reported said incident to the police and home embassy located overseas within 3 days from the incident. This benefit is limited to one claim per policy year.

Emergency Medical Evacuation and Repatriation is part of the service that is provided under our Emergency Assistance Services Programme. In the event of a medical emergency, you may call our 24 hour Emergency Assistance hotline for prompt and free assistance. The emergency assistance agency will make the appropriate arrangement depending on your medical condition.
 
However, we reserve the right to decide whether your medical condition is sufficiently serious to warrant emergency medical evacuation, the place to which you shall be evacuated, and also the means or method by which such evacuation will be carried out, having regarded and assessed all the facts and circumstances of which the emergency assistance agency is aware of at that point in time.
 
If you’re travelling alone and have to be hospitalised for more than a week, our Emergency Assistance Services Programme will arrange for a Compassionate Visit for up to two family members or friends, subject to approval.
 
In addition to that, the Emergency Assistance Services Programme also includes free referral services to your nearest embassy, and assistance with directions when you have lost your passport or luggage. Please refer to the policy contract for the full list of referral services that are provided.

You will not be able to change your plan once the policy has been issued.

No, this is a level premium plan and the premium is guaranteed throughout the policy term.

Yes, the surrender value is payable if you have not made an approved claim. However, you are not entitled to the cash surrender value if your policy has not been in force for at least 3 years.

There will be a loyalty bonus for this policy whereby you will receive the rebate of 1 month premium (payable on 13th, 25th, 37th month of the policy term) if you maintain the policy with HLA. The bonuses will be payable via direct credit to your credit card account.