Insuran penyakit kritikal bermula dari hanya RM10 sebulan

CI Insure is a non-guaranteed yearly renewable critical illness insurance product which provides coverage for 5 main Advanced Stage Critical Illnesses, Lifestyle Assistance Allowance, and Personal Medical Case Management (PMCM) Service upon diagnosis of covered critical illnesses.

This product is structured on a group policy basis, where TNG Digital Sdn. Bhd. (TNGD) is the Master Policyholder. Any TNGD’s users who sign up for this product are the Insured Person(s).

This product is underwritten by AIA General Berhad and can only be purchased through Touch ‘n Go eWallet.

CI Insure is a critical illness insurance protecting you with:

• Advanced Stage Critical Illness Benefit: Covers advanced stage of 5 main critical illnesses, which are cancer, heart attack, stroke, kidney failure and serious coronary artery disease.
• Lifestyle Assistance Allowance Benefit: Provides monthly cash allowance (up to 3 months) for home nursing care, hospice care, palliative care and home cleaning services in the event of inconveniences upon diagnosis of the covered critical illnesses.
• Personal Medical Case Management Service: Access to world’s leading specialists that provide professional medical opinions and treatment recommendation based on reviewed diagnosis of your medical condition.

Note:

• This is a non-guaranteed yearly renewable plan, with one year coverage period.
• Benefit No. 1 and 2 are limited to one critical illness diagnosis per coverage period, and are only payable if you survive at least 15 days from the date of diagnosis of the covered critical illness.
• PMCM service is a value-added service programme that is administered by our appointed service provider, Teladoc Health, Inc. It offers comprehensive information, additional remote medical consultation and additional opinions from specialists and physicians, guidance, assistance in reaching the right diagnosis and support in the process of deciding upon the best medical treatment, and to coordinate quality medical care by leading medical experts in leading medical centers. The PMCM service does not prescribe any treatment but it will assist the Insured Person to reach the right diagnosis and most appropriate treatment plan. For more details, refer to the Personal Medical Case Management (PMCM) Service section in this FAQ.

* Plan P30 has been withdrawn from new business effective from 7 April 2025. However, for existing insured person under Plan P30, you can continue to renew your coverage.

CI Insure covers the advanced stage of 5 critical illness as below:

• Cancer
• Heart Attack
• Stroke
• Kidney Failure
• Serious Coronary Artery Disease

Please refer to the Policy Wording here for the exact definitions of the covered critical illnesses listed above.

AIA shall pay you 100% of the sum insured for this benefit in a lump sum if you are diagnosed with a covered critical illness within the coverage year and survive for at least 15 days from the diagnosis. The lump sum payment is payable once only. Thereafter, your certificate of insurance shall terminate.

Lifestyle Assistance Allowance Benefit provides a monthly cash allowance for home nursing care, hospice care, palliative care and home cleaning services in the event of any inconveniences upon diagnosis of the covered critical illnesses, provided that you survive for at least 15 days from the diagnosis. You are allowed to claim for this benefit within 365 days following the approval date of the Advanced Stage Critical Illness Benefit.

This benefit is payable up to a maximum of 3 consecutive months and is payable for one critical illness diagnosis only per coverage year. This benefit shall automatically cease in the following month upon your death if you die before the end of the 3 consecutive months payout.

• Home nursing care: home-based nursing care provided to Insured Person diagnosed with covered critical illness who requires professional support by licensed nurses to enable recovery and rehabilitation at home.
• Hospice care: a specialised care by a registered medical practitioner, physician or licensed nurses that focuses on end-of-life care to the Insured Person diagnosed with covered critical illness.
• Palliative care: a specialised care by a registered medical practitioner, physician or licensed nurses that focuses on providing relief from pain and other distressing symptoms suffered by Insured Person associated with the diagnosis of covered critical illness.

Home cleaning services: cleaning services provided by a registered service provider to the place of residence of the Insured Person diagnosed with covered critical illness.

No, CI Insure does not cover critical illnesses of early and intermediate stage, only advanced stage is covered. Please refer to the Policy Wording here for the exact definitions of the covered critical illnesses.