Insurance
PRODUCTS / CRITICAL ILLNESS
Critical Illness
Secure your future against unexpected health challenges with our comprehensive critical illness insurance plans. Designed to provide financial support when you need it the most, our plans by our partner insurers ensure that you can focus on recovery without worrying about the financial burden. With insureKU, you’re investing in protection for both your health and your finances.
We protect you against risk
At insureKU, we’re committed to offering the right coverage at the right price and value. Our critical illness insurance plans are tailored to provide you with financial security in the face of severe health conditions. With us, you’re taking a proactive step to safeguard your well-being and ensure you have the resources needed for medical treatments and other expenses.
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The Right Coverage. The Right Price. The Right Value
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Financial Protection
Critical illness insurance offers financial support if you're diagnosed with a serious health condition. It helps you manage medical costs and other expenses during a tough time.
Flexibility in Use
You can use the money from your critical illness insurance payout in various ways. Whether for treatments, bills, or personal needs, it's there to help you when you need it most.
Peace of Mind
Knowing you have critical illness insurance brings peace of mind. It means you're prepared for major health challenges without worrying about money.
Supplement to Health Insurance
If you already have health insurance, critical illness insurance adds an extra layer of protection. It focuses specifically on serious illnesses, giving you more coverage.
Income Replacement
If an illness stops you from working, critical illness insurance can replace lost income. This ensures you can cover living expenses while you focus on recovery.
Additional Benefits
These are extra perks that come with your medical card. They could include services like dental care, wellness check-ups, or coverage for certain treatments.
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Deductible Amount
This is the initial amount you agree to pay before your insurance coverage kicks in. For instance, if your deductible is RM500 and your bill is RM1,000 , you will pay RM500, and the insurance covers the remaining RM500.
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Why choose us
Fast, dedicated, professional
Experience the difference of a fast, dedicated, and professional insurance aggregation partner. Our streamlined process ensures you get the coverage you need quickly and efficiently. Our team is dedicated to guiding you through the process, from selecting the right critical illness plan to addressing any concerns you may have. With our expertise, you can make informed decisions and secure the protection you and your family deserve.
Tips: Protect the Things that Matter to You
Your health and peace of mind are invaluable. With our critical illness insurance plans, you’re not just purchasing coverage; you’re making a commitment to safeguarding your quality of life. By alleviating financial stress during a difficult time, you’re ensuring that you can focus on recovery and spending time with your loved ones.
* It’s important to review the specific terms and conditions of critical illness insurance policies as coverage may vary. Some policies may cover a wide range of illnesses, while others may have more limited coverage. Understanding the policy details and exclusions is crucial when selecting a critical illness insurance plan that aligns with individual needs and circumstances.
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Insurance partners
How can we help?
SUPPORT
1. What is Term Life Insurance / Term Life Takaful?
Term Life insurance or Term Life Takaful is one the simplest and most reliable financial solutions that will protect your loved ones when you are no longer able to. The benefit will allow your family to cope with loss without the additional stress of worrying how to make ends meet. The money can help them to:
- Pay off the remaining mortgage.
- Cover personal debts and loans.
- Maintain their quality of life and pay day-to-day expenses.
- Cover your childrens’ school tuition.
- Cover funeral expenses and provide an inheritance plan.
We realize there is no “one size fits all” life insurance plan, thereby, we provide a full range of solutions to suite every stage of life. By partnering with insurers in Malaysia, we are able to provide products for individuals looking to protect their families, their business, mortgage or themselves.
2. Do I Need Term Life Insurance or Term Life Takaful?
If you are married, have children, or parents who depend on you, it’s wise to have a term life insurance policy or term life takaful certificate that provides a safety net should something happen to you for a specific period. A policy or certificate will protect yourself, your assets and your loved ones when you no longer can. The payout from a policy could mean that it helps with medical bills, mortgage payments, outstanding debt, or monthly income for your family.
3. What does life insurance cover?
Life insurance pays out a lump sum to your beneficiaries if you die. Often the funds are used to pay off a mortgage, to help raise children, or to cover rent and day-to-day expenses. Funds can also be used to settle medical bills or co-signed debts that would otherwise be transferred to your partner.
There is no income or capital gains tax on life insurance payouts, however you could be subject to inheritance tax if your estate (the sum of your anything you own) is over a threshold. This can be sidestepped by placing the policy in trust, so that you beneficiaries become the trustees, and the policy is no longer part of your estate.
4. When is the best time to get covered?
The younger you are, the cheaper your life insurance policy is likely to be. This means it’s more efficient and cheaper in the long run to get covered as soon as you’re considering it, or soon as you have dependents.
5. Can I get covered if I've had health issues?
Everyone is unique, and every policy is underwritten individually. While health history is one of many price factors (often also including current health, age and use of tobacco), it doesn’t in any way prevent you from receiving quotes. Our experts have helped many happy applicants with pre-existing conditions and health challenges.
6. What does medical card cover?
Medical card covers all hospitalization bills. All bills related to admission of illness, whether it is illness or accidental will be covered according to the Annual Limit of the card.
7. Whom should I contact if I have an issue?
Please send in our queries to info@insureku.com and our helpdesk will revert to you the soonest possible. Alternatively, you may click on the contact us icon on the website to send us your queries and we will email you on the related matter.
8. Will I receive a policy or certificate contract after my application?
Yes, you will receive the policy contract from the insurer or takaful operator that you have purchased it from. The specific insurer will email the contract to you directly once the purchase of the policy/certificate is successful.
9. What do I do when there is a claim?
You would have to contact the specific insurer when there is a need for claim. The details of the number will be given in the policy contract. You may click on the claim tabs of the specific insurer/takaful operator on insureku.com and it will redirect you to the specific claims department.
10. What should I do if my payment is not successful?
You may email to info@insureku.com or click on the contact us tab and submit your details there and our customer service team will get back to you the soonest.