Stackable (Hospital Income)

Stackable (Hospital Income)

Our most affordable life plan with accidental death, TPD and accidental daily hospital income riders.

HLA Stackable is a modular series of product where you can add coverage when you need or when you are ready. Stackable (Accidental) is an annual term plan for basic life coverage plus additional riders for accidental death, accidental total & permanent disability (TPD) and accidental hospital income. It provides life coverage of RM1,000, up to RM9,000 for accidental death or accidental TPD, and up to RM50/day for accidental hospital income. 

Premium from

RM 18/Year

1 year
20 - 60 years old

What's Covered

  • RM1,000 Death benefit
  • Up to RM3,000 Accidental Death / TPD rider benefit
  • 2X Accidental sum assured if public conveyance
  • 3X Accidental sum assured if overseas
  • Up to RM100/day Accidental Hospital Income benefit

What's not covered

  • Death due to suicide within 12 months
  • Engaging in any aerial activities, professional sports or racing of any kind
  • Self-inflicted injury, suicide or attempted suicide, or being under the influence of drugs/ narcotics/ alcohol of any kind

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


Select your plan

Choose a coverage level and get an instant premium quote for your age and gender.

*Please enter your age as of your last birthday  
*2 months premium payment will be charged upfront for monthly frequency

Benefits

Plan A
Plan B
Plan C
Death
RM 1,000
RM 1,000
RM 1,000
Accidental Death
RM 1,500
RM 0
RM 3,000
Accidental TPD
RM 1,500
RM 3,000
RM 0
Accidental Hospital Income
RM 50/day
RM 50/day
RM 50/day
Monthly
RM 0.0
RM 0.0
RM 0.0

Frequently asked questions

HLA Stackable is a series of products that is designed to provide affordable and flexible life protection coverage from only RM5 per year. Each term policy has a limit of RM5,000 sum assured and you have the option of purchasing multiple policies whenever you need, up to RM20,000 per life or together with a series of Accidental riders for enhanced coverage.​ 

This plan does not have any cash value nor include, where applicable, any savings or investment elements.

On top of the basic life protection plan, HLA Stackable is also available package with riders such as Accidental Death, Accidental Total & Permanent Disability and Accidental Hospital Income. 
 
Each rider package will be available up to sum assured of RM5,000 per policy, with flexibility to purchase additional policies at a later stage whenever you need, up to a combined coverage of RM20,000 per life.

Each HLA Stack policy is effective for a coverage period of 1 year, as an example, if you have purchased RM1,000 life protection on Jan 2020, and another RM5,000 life protection on May 2020; your effective coverage illustrated simply would be as below: 

Jan - Apr 2020: RM1,000 life coverage
May - Dec 2020: RM6,000 life coverage
Jan 2021 - Apr 2021: RM5,000 life coverage