Travel Insurance

Stay protected throughout your trip. Purchase this Zurich Travel International Insurance from me.
I can online issue you the policy.

Zurich ValueCare Medical Insurance rider

Family is everything. At Zurich, we understand that protecting the wellbeing for your family is what you value most. Introducing Zurich ValueCare, our newly launched unit-deducting medical rider that covers your medical bills while giving you total confidence and peace of mind. 

Find out more at bit.ly/ZValueCare
#TrueLoveCares #ValueCare #ZurichMalaysia

Zurich SureCover

Zurich Life Insurance Malaysia Berhad just launched a new product call Zurich SureCover.
This is the enhance of our current existing product call Senior Gold. Senior Gold policy is for those age 50 to age 80 whereas this Zurich SureCover is from age 35 to age 80. This is good news for those who can't get insurance due to their medical conditions, which means we will never turn down your application regardless of your health condition.. This is a whole life insurance policy and is guaranteed acceptance and coverage until age 100. Each unit cost Rm75 per month with a insurance coverage of Rm33,085 for age 35 and if accidental death occurs it pay up to 5 times of the Basic Sum Insured.

3H

Nowadays we usually hear the 3H's or 3 Highs, High Blood Pressure , High Cholesterol and High Body Mass Index. Those with these 3 Highs usually cant get their insurance coverage as standard cases. Usually the insurer will decline , reject or load them with extra premium.
Today this insurer promote their 3 Highs. Those with High Blood Pressure, High Cholesterol and High Body Mass Index that cannot get insurance from others insurer , can apply to this company . Need advise on how to go about , pm me.  

MegaMed Medical Insurance

Good News ! Finally Zurich Insurance Malaysia Berhad launched the MegaMed Medical Insurance coverage. Coverage up to Rm2.25 Million in Medical protection till age 100. The Star advertised today. This will be our current best , high coverage and comprehensive medical insurance coverage. Interested to know more please contact Tony.

Term Life

Zurich Term Life :

Flexible protection to safeguard those whom you cherish most.

Insurance premium is less than 3% of Sum Assured.

3 Ways to protect your hard-earned wealth.     

1. GET PROTECTION AGAINST LIABILITIES
2. ENSURE YOUR LEGACY PRESERVATION
3. PROTECT YOUR KEY PERSONNEL

WHAT IS Zurich Term Life PLAN? Zurich Term Life Plan is a non-participating level term plan that provides life insurance protection with affordable premium. You get to choose the coverage term and protection amount during which you are most vulnerable to life's uncertainties, based on your needs.WHO IS ELIGIBLE? You can be insured with Zurich Term Life if you are between the ages of 16 and 65 years old depending on the term of coverage. We might be Life Agents. But we see ourselves as Life Advisors Need help in determine your insurance needs ? I will be happy to assist you to : Understand everything you need to know about insurance and why's it's important Choose the benefits that are most suitable for you Help you decide on how much you need to protect yourself and your loved ones Make a plan that fits within your budget

WHAT IS Zurich Term Life PLAN? Zurich Term Life Plan is a non-participating level term plan that provides life insurance protection with affordable premium. You get to choose the coverage term and protection amount during which you are most vulnerable to life's uncertainties, based on your needs.WHO IS ELIGIBLE? You can be insured with Zurich Term Life if you are between the ages of 16 and 65 years old depending on the term of coverage.
We might be Life Agents.
But we see ourselves as Life Advisors
Need help in determine your insurance needs ?
I will be happy to assist you to :

• Understand everything you need to know about insurance and why's it's important
• Choose the benefits that are most suitable for you
• Help you decide on how much you need to protect yourself and your loved ones
• Make a plan that fits within your budget

Zurich Prowell Critical illness

Critical illness can occur when you least expect them. With Zurich Prowell Critical illness, you have the resources you need to confront them. Pay during your best years and enjoy long term protection. Choose a premium paying term that complements your retirement plan. Upon the completion of your premium paying term, your coverage will continue unti the year of policy maturity.

Financial Freedom

A survey done last year by Nielsen Global Survey of Savings and Investment Strategies found that 74% of Malaysian believe that they will achieve their financial goals in future. Everyone have different financial goals such as saving for retirement , children educations, health issue, marriage, unexpected household emergencies , etc...
If you are worry and need help on your financial planning for your future goals we can help you to achieve your financial freedom.
Robert Kiyosaki best selling book , Rich Dad Poor Dad and The Cash Flow Quadrant are some methods you can apply on it.

    

Zurich Omni Health

Zurich Insurance Malaysia Berhad just launch a new Medical Insurance yesterday
It is known as Zurich Omni Health. Tag line , Staying healthy has never been more rewarding.
There are a number of new features such as No Claim Bonus which gives you 10 % cash back on the premium paid.
Wellness reward Programme rewards you as you get better.Health Optimiser ofers discounts to help you stay healthy. Last but not least there is a mobile app that works like your handy personal assistant .

International Healthcare Protection

If you think our medical insurance is expensive , then look at the following brochures. The lowest plan, that is Plan 4 which cover Rm3 Million at age 35 the yearly premium is at Rm9523. I have expats asking about our medical insurance that they wants to have a very comprehensive coverage such as pre-existing illness, dental , pregnancy and health screening. Our MedicaLife 210E or local medical policies doesn't provide all these. All these comes with a hefty premium. Example Cigna Health Plan coverage of USD 1 Million the monthly premium is about USD 500. It all depends on what you want. 1st class coverage 1st class premium .

D.I.Y. Insurance

If you think of buying insurance , what will you do ?
Search the Internet / Google insurance to find out more information's ?
Or call your current Insurance Advisor and if no Insurance Advisor / Agents will you ask
for some referrals ?
I came across this D.I.Y insurance advertisement in the newspaper recently , will you do it yourself ?
I believe insurance must be sold . That's mean you need to facts find like what
is the current needs and amount of insurance need and what are the risks that
the person is looking for ? Example , medical insurance , living assurance such as
dread diseases , long term care , total permanent or premature death benefits ?
Please give us your feedback . Thank You.

MedicaLife 210E

Comprehensive medical protection for those who truly love

A comprehensive medical protection for the ones you love.
These days, medical insurance is no longer a luxury; it is essential. With medical costs spiralling upwards in recet years, it is only wise for all of us to have medical insurance, to make sure we are protected against medical emergencies as we age.
MedicaLife 210E is a hospitalisation and surgical policy especially designed for those who are concerned about rising medical costs and understand the importance of having comprehensive medical protection up to a ripe old age.
With 4 comprehensive plans to choose from, MedicaLife 210E is a ideal plan for you to protect your loved ones.

   

Medical Insurance for MM2H

MALAYSIA MY SECOND HOME (MM2H) PROGRAM - 10 YEARS MALAYSIA VISA RENEWAL FOR A LIFETIME !

WHY MALAYSIA ? Government Support / Rule of Law / High Standard Living / Low Cost Living / Pleasant Weather / Affordable Quality Home

No Natural Calamities / Good Infrastructure / Political Stability / Quality Education & Medical Facilities / Recreation & Entertainment / Rich Culture

Multi Racial Friendly English Speaking People / Variety Food & Fruits / High Class Shopping / Window to Asia    

MAIN BENEFITS OF MM2H PROGRAM � Conditional Approval in 6 Weeks+ & 6 Months To Endorse MM2H Visa to your Passport !

Malaysia requires foreigners who are applying for the Malaysia My 2^nd Home (MM2H) Programme to have medical insurance taken in Malaysia.

Zurich Insurance Malaysia Berhad would like to propose an attractive plan called Zurich ML210 for foreigners planning to take MM2H or to those who are simply seeking medical coverage here in Malaysia.

Please contact Tony at +603-21469226 or email:ttong3@gmail.com

Early Care Critical Illness

Critical illness can occur when you least expect them. Minimize the risk through early detection by getting the right treatment and peace of mind. Zurich Insurance Malaysia offers coverage for Early Care Critical Illness. Early Care Critical Illness plan is designed to support you financially , no matter if it is at early or end stage of the critical illness. 

• Receive 50% payout at the early stage of critical illness. 
• Receive 100% payout at the end stage of critical illness. 
• 12% Rehabilitation Benefits to aid complete recovery
• Lump sum payout of Rm 2000 for second medical opinion.

Zurich FlexiLife

Protection that grows with you..........On 1st October;2012 , Zurich Insurance Malaysia Berhad have launched a new Investment Link Policy call Zurich FlexiLife together with a Hospital Income Rider.    Zurich FlexiLife policy has a loyalty bonus. This is a brand new feature to the policyholders. You can choose the level of Protection, Savings  and Investment you need , all in one flexible policy.
Zurich FlexiLife provides a Loyalty Bonus of an additional 2% of the lowest premium collected over the last 3 premium years and is payable in the fourth (4th) premium year.
And as long as you keep making your premium payments on time, you will continue to enjoy the bonus on the sixth (6th), eight (8th), tenth (10th), twelfth(12th), fourteen (14th) and sixteenth (16th) premium year.
Loyalty Bonus is only payable in the form of unit purchase and excludes premiums paid for regular top-up and irregular top-up.

Hospital Income Rider to offset co-insurance in MaxMedic and provide additional income when hospitalised.

We might be Life Agents, But we see ourselves as life Advisors.

Need help in determining your insurance needs?

As Zurich Sales Advisor I will be happy to assist you to :

• Understand everything you need to know about insurance and why it is important
• Choose the benefits that are most suitable for you
• Help you decide on how much you need to protect yourself and your loved ones.
• Make a plan that fits within your budget

Just contact Tony at 019-3234605 or email me at ttong3@gmail.com for assistance today

My Precious PA

This is new Children’s Personal Accident Policy- ‘My Precious’. Announcing to you the Preview of ‘My Precious Club’ that will be happening on the 27th February 2011 (Sunday) at Menara MAA. This preview serves as a trial session and also as part of the awareness program.

‘My Precious Club’ is a value added benefit to the ‘My Precious’ – a Children’s PA policy of which all the activities planned and organized will be run by professionals. Admission is by invitation for children of MAA staff and agency members. So…extend this special invitation to agency members and let their children experience a fun and interactive Fire Safety Workshop and Language Learning session with us.

There are lots more of exciting activities lined up for your child during the preview…
-          Coloring Contest (*remember to bring your coloring kit!)
-          Learning Magic
-          Fire Engine Ride
-          Learn Japanese and Mandarin

What’s more…Cash Prizes of as high as RM 1,350 awaits your child to bring home.

This preview is limited to first 200 children between aged 9-12 years old only (First-come-first-serve basis). Wait no more and register your child now.

Mounting household debt

Image via Wikipedia

The Edge Malaysia headline . Mounting household debt. Figures do not lie.Total household debt, comprising mainly house mortgages, cars loans and personal financing such as credit cards, debit cards stood at an all time high of RM560 billion as at Aug 31, 2010 from Bank Negara Malaysia data. Will the rapid growth in household debts make the economy and the financial sector vulnerable to instability and crises ? Is this cause for alarm ?
It is worth noting that our household debt to GDP ratio shot up to 76% between 2004 and 2009 , and is the highest in Asia ex- Japan.
What is perplexing through is that unlike Japan's per capital income of US$32,700 or about RM8000 per month in 2009, Malaysia's average income per capital is less than RM2000 per month.
According to a note by CIMB Research dated Oct 28 , the ratio of household debt to personal disposal income hit 140.4 % in 2009- higher than Singapore 105.3% and the US 123.3%. This means Malaysians own double the amount they earn.
According to AKPK of the total 50,361 cases that enrolled in debt management program, 10.6% could not pay their credit card debt while 74.3% had repayment problem with housing loans, car loans and credit cards outstanding. Credit Counselling and Debt Management Agency (AKPK) CEO Mohamed Akwal Sultan says some 44% of the individuals who join the programme belong to the 30 to 40 age group. Actually some individuals start to have repayment issues when they are even younger because many of them do not have salaries that commensurate with their lifestyle. The problems start to snowball when they hit their 30s.
This is because by then, most of them are married and thus have bigger commitments such as larger mortgage loans and car financing and higher living expenses. Additional their parents are not able to help them with their finances as much because they would have retired by then.
Interesting for 26% of defaulters the No 1 reason for finding difficulty in servicing debt is high medical expenses. Plan yourself well and spend what you can afford.Remember to take care of yourself first. The goose that lay the golden eggs. Insured yourself against any unforeseen circumstance such as premature death, total permanent disability, accident or critical illness and mounting medical cost. Insurance and risk management must be plan ahead. I do have all the solutions for you.

Life Stages

MAA Assurance one of the leading top insurer in Malaysia have a wide variety of products to suite your needs at various stages of your life. We do have Ordinary Life Insurance, Super Fortune Plan ,Investment Link policy, Maaxlife and MaaxCombo ,Medical card insurance, Medicalife 210 ML210, Personal Accidents policy, PA Evo110 as well as Senior Gold policy that is guaranteed accepted EVEN WITH HEALTH PROBLEM. MAA Assurance is a certified ISO9001:2000 for excellent quality management system. Enjoy efficient quality services at any one of our 44 branches and 2 Service Centers throughout the country.  Our Agency Excel Millennium under the leadership of Mr KK Tong a qualified CFP, ChFC,RFP ,CIAM, Doris Liew LUTCF and Mr Wong Loy Hing who hold a Master Degree and Certified Financial Planner CFP are all qualify financial planners to recommend the various types of financial products to address your concern and financial needs.Call us at +6019-3234605 or 03-21469229 and we are happy to assist you with all your protections and financial needs.

Medical Card Benefits

Image by Nemo's great uncle via Flickr

When you purchase medical card insurance the most important features is the guaranteed renewal . Zurich Insurance Malaysia Berhad MedicaLife 210 medical card insurance guaranteed renewal up to age 80. The following are some of our Zurich insurance Malaysia Berhad MedicaLife 210 comprehensive medical benefits :

1. Room and Board : No co-payment on upgrading
2. Lifetime Limit = Six(6) times Overall Annual Limit as high as RM1.2 million
3. Outpatient Kidney Dialysis Treatment : As charged
4. Outpatient Cancer Treatment : As charged. Radiotherapy or chemotherapy including consultation, examination tests and take home drugs
5. Hospital Supplies and Services : As charged
6. Pre-Hospital Specialist Consultation : Inclusive of prescibed medicines
7. Post-Hospitalisation treatment: Within 60 days from discharge
8. Emergency Accident Outpatient Treatment : Within 72 hours
9. Medical report Fees : Include registration fee and wrist band
10. Best private hospitals in Malaysia including Prince Court Medical Centre and 87 more
11. Hasslefree hospitalisation : Medical Card
12. International Medical Evacuation and Repatriation Program
13. Reasonable premium
14. RM3,000 tax relief
15. Available in 4 plans
    

All these important benefits and feature are your solution to expensive Healthcare. Act now ! Call Tony at 019-3234605 or e-mail:ttong3@gmail.com to purchase a Zurich Insurance Malaysia Berhad medical card.

MEDICAL CARD

Attend the briefing on the importance of having a Zurich Medical card. Which card do you need for hospital admission ?

With this Zurich Medical card you just show to our 80 plus panel hospital for admission. Even the Prince Court Medical centre a 7 star hospital also accept our Zurich Medical Card. What happen if you do not have a medical card ? You have to used your own money or this  Maybank card ATM

A simple operation like appendicitis cost RM1800 3 years ago now may cost you RM3000 or more with our medical cost inflation at 15% per year. So make the decision to have a Zurich Medical card today.

The following are the report stating most of our EPF contributor withdraw from their retirement fund to finance their medical fee. So sad :{ 

  

A total of 93,914 Employees Provident Fund (EPF) members have withdrawn a total of RM500.8 million under the fund’s health withdrawal scheme since the scheme was introduced in November 1994.Our Prime Minister Datuk Seri Najib Razak said 71 per cent of them were those with monthly income of less than RM2,500, while 17 per cent comprised those in the RM2,500 to RM4,999 income bracket, RM5,000 to RM9,999 (nine per cent) and the remaining three per cent made up of those with monthly income of more than RM10,000.
“The EPF health withdrawal scheme is aimed at allowing members to withdraw money from their Account 2 to pay for the medical cost of critical illnesses suffered by themselves or dependents who are approved by EPF,” he said in a written reply to Senator Zamri Yusuf in the Dewan Negara today.
Najib, who is also Finance Minister, said last year, 4,601 EPF subscribers withdrew a total of RM37.3 million from their Account 2 for the health withdrawal scheme.
This year, as of June, a total of 1,794 subscribers had withdrawn RM14.4 million under the scheme, he added.
Meanwhile, Najib said that effective June 15 this year, the list of critical illnesses for the health withdrawal scheme had been expanded to cover 39 illness, from 13 previously.
The illnesses included apalastic anemia, blindness, kidney failure, Parkinson’s Disease, total permanent disability, leukemia and intellectual impairment due to accident or sickness. — Bernama 26/07/10
GET Zurich MEDICAL CARD NOW.............
Contact Tony 019-3234605 or email:ttong3@gmail.com