All insurance products are illustrated @ Low 2% and High 5%

Bear in mind that you're required to stay throughout the entire term of the saving plan (Ranges from 15 - 35 years) if you want to see at least 2 - 5% return otherwise you'll be getting less than that after deducting all the cost. If you're looking for liquidity then putting your money in insurance saving plan is not ideal.

Do take note that this is payable based on the annualized premium,

Here’s a quick example:

If you purchased ManuSecure 5-20, you will receive payments equal to 11% of your basic plan’s standard annualised premium for the first ten policy years. With an annual premium of RM10,000, this GCP payment will amount to RM1,100 per year.

This then increases to 20% – which amounts to RM2,000 a year – for the remaining ten years of the policy.


Looks like you got it right

Sure, feel free to ask

Do take note that this is payable based on the annualized premium,

Here’s a quick example:

If you purchased ManuSecure 5-20, you will receive payments equal to 11% of your basic plan’s standard annualised premium for the first ten policy years. With an annual premium of RM10,000, this GCP payment will amount to RM1,100 per year.

This then increases to 20% – which amounts to RM2,000 a year – for the remaining ten years of the policy.


Looks like you got it right

Sure, feel free to ask

Depends on the person's age, gender, occupation, smoker status and the benefits you're applying for.

How much annual limit is good enough ? It's a personal preference, insurance companies offers from RM25,000 Annually up to RM3,000,000 Annually.

If you can secure somewhere at least RM500,000 Annually, that would be the average to cover most of the hospitalization cost. Most companies offer newer plans starting from RM1,000,000 Annually nowadays.

This is the latest promo on the additional annual limit.

Quite okay if it's your first policy or coming from an old medical card with lower annual limit.