Note: This leaflet provides a summary of this product.

It does not constitute a

contract of insurance. Please also refer to the Product Disclosure Sheet & FAQ
before you decide to purchase this plan.

TokioMarine - StarterPack
Tokio Marine Life Insurance Malaysia Bhd. (457556-X)

Affordable
Licensed under the Financial Services Act 2013 and
regulated by Bank Negara Malaysia

Ground Floor

Life Insurance Plan

Menara Tokio Marine Life
189, Jalan Tun Razak, 50400 Kuala Lumpur
Tel: 03 2059 6188
Fax: 03 2162 8068 for everyone*.
www.tokiomarine.com

• Affordable Premium at less than RM0.50 per day for coverage of up to RM50,000*
• Hassle Free Enrolment
MAY 2018 *Terms and Conditions apply.
 Frequently Ask Questions
1. Will there be any receipts issued to me after each premium payment?
TokioMarine - StarterPack • You will not receive any receipt since your payment is done via auto debit. However, you may refer to
your bank statement for payment details.
TokioMarine - StarterPack is a life insurance plan that provides you death coverage. 2. Is the premium I pay for this plan eligible for tax relief?
The Sum Assured will be paid in one lump sum as the death benefit. This plan does • Y our premiums are eligible for income tax deduction subject to the approval of the Inland Revenue
not contain saving & investment elements and does not participate in our profits. Board. We will issue you a Confirmation of Premium Payment Statement for your filing with the Inland
Revenue Board.
3. What happens if I do not pay premium on time?
• If any premium due remains unpaid after the grace period of 30 days, the coverage will lapse.
Eligibility
4. Can I reinstate my coverage after it has lapsed?
Issue Age • Subject to health declaration and filing up reinstatement form, you can apply to reinstate your
coverage at any of our branches. However, any reinstatement can only be done within 60 days after
the coverage lapses.
Minimum Entry Age 18 years old next birthday
5. Are there any limitations to the benefit?
Maximum Entry Age 55 years old next birthday • We will not make any payment for the death benefit if you die as a result from suicide, if it occurs
within 1 year from the certificate effective date or reinstatement date, whichever is later.
Expiry Age 60 years old next birthday 6. What is Nomination?
• Nomination is a process to assist in the facilitation of payment of monies under the insurance cover
The coverage term will be up to the last day of the policy year in the event of your death.
after the Life Assured turns 60 years old. 7. What happens if I do not make a Nomination?
• If you do not make a nomination, it will cause a delay in claims payment.
8. How can I name my nominee?
Sum Assured • You can name your nominee after you purchase this plan by printing out the Appointment of
This plan offers a fixed Sum Assured amount depending Nominee form attached in Welcome email. You may also download the Appointment of Nominee
form from our corporate website. To avoid delay in future claims payout, we strongly advise you to:
on the Life Assured’s entry age as below: > name your immediate family member as your nominee e.g. your spouse, children or parents; and
MONTHLY PREMIUM Entry Age COVERAGE AMOUNT > complete the Appointment of Nominee form and return the duly signed document to your
nearest Tokio Marine Life offices.
18 - 35 RM50,000 9. How can my nominee make a claim?
RM15 • Your nominee can complete our claim form (which can be downloaded from our website). He can then
36 - 55 RM25,000 submit the claim form and death certificate at any of our branches.
10. Can I cancel my coverage?
18 - 35 RM30,000 • 15-day Free Look - If you change your mind and cancel this plan within 15 days after electronic
RM9
delivery of the certificate to your email address, we will immediately stop your coverage and refund
36 - 55 RM15,000 the premium you have paid less any medical fee incurred.
• After the 15-day Free Look Period, you can cancel your policy at any time. Once you cancel your
18 - 35 RM20,000 coverage, NO surrender value is payable and coverage will continue until the next premium due date.
RM6
11. Is my policy renewable yearly? Is it auto renewed?
36 - 55 RM10,000
• Your policy will be auto renewed every year upon each policy anniversary through auto debit until you
are 60 years old.
Sum Assured amount is level throughout the coverage term.
12. How can I change my payment method in the future?
• You can change your payment method any time by submitting a Request for Alteration form (which
can be downloaded from our website) to any of our branches or HQ.
Premium Rates 13. What happens if there is any non-disclosure?
• In the event of any non-disclosure during the application or reinstatement stage, we reserve the right
RM15 / RM9 / RM6* per month and you need to pay your premium every month until to reject your application, avoid your cover or reject your claim.
the expiry of the certificate.
14. Who can I reach if I need more information?
* Premium payable is level throughout the coverage term. However, the premium payable is • If you wish to know more information, please feel free to contact us via the following:
NOT guaranteed and depends on actual claims experience. We reserve the right to revise the > our customer service hotline at 03-2059 6188
premium by giving you 90 days advance notice. > email us at customercare@tokiomarinelife.com.my
> visit any of our branches
> visit www.tokiomarine.com