Hong Leong Assurance - ProductDetails

The list above is non exhaustive, please refer to the Product Disclosure Sheet and Policy Wordings for full coverage and policy exclusions.

Product Disclosure Sheet

PDS - Hospitalisation Income Shield

Policy Wordings

Policy Wording - Hospitalisation Income Shield

Select a plan

Choose your comprehensive, affordable, and tailored insurance plan.

Entry Age * *Please enter your age as of your last birthday Please enter a valid entry age

Gender *

Female

Male

Policy Term *

Payment Frequency *

*2 months premium payment will be charged upfront for monthly frequency


Benefits	Deluxe	Premier
Compassionate Allowance Benefit	RM 1,500 + 70% of premium paid	RM 3,000 + 70% of premium paid
Daily Hospitalisation Income Benefit	RM 150	RM 300
Monthly Living Allowance - Disablement due to Accident	RM 1,500	RM 3,000
Maturity Benefit	70% return on premium paid	70% return on premium paid
Monthly	RM 0.0	RM 0.0	RM 0.0

Frequently asked questions

The plan provides you a daily income (cash) benefit for each day of hospitalisation. This is aimed at reducing your out-of-pocket expenses should you require hospitalisation. It has other benefits such as daily cash benefit if admitted into the Intensive Care Unit in Malaysia or overseas hospital, monthly living allowance for disablement due to accident, compassionate allowance and maturity benefit. The daily hospitalisation income benefit increases by 5% annually for the entire policy term.

The Daily Hospitalisation Income Benefit will be increased by 5% of the original Sum Assured annually for the whole term starting from beginning of year 2. For example, for the RM300 plan, the Daily Hospitalisation Income Benefit is RM300 per day of hospitalisation in policy year 1, RM315 per day in year 2, RM330 in year 3 and so on. This unique feature is designed to help you mitigate the risk of inflation.

The Monthly Living Allowance will be payable if you suffer the following loss or disability as the result of an accident within 365 days of the incident:-

Total and Permanent Disability (TPD);
permanent total loss of sight of both eyes;
permanent total loss of sight of one eyes;
permanent total loss of speech and hearing;
loss of or the permanent loss of use of two limbs;
loss of or the permanent loss of use of one limbs;
permanent and incurable insanity; or
permanent total paralysis.

The benefit payable is subject to your continuous disability throughout the payment period for a maximum of 180 months. The policy will be terminated once the claim is approved.