TokioMarine-MedSecure

What is TokioMarine-MedSecure¹?

This is a guaranteed yearly renewable standalone medical insurance, designed exclusively for eligible existing policy owners of eligible medical plans or riders. It provides essential, uninterrupted medical protection, with no medical underwriting and no extra waiting period required. From day one, you’ll enjoy a 20% No Claim Discount (NCD), and keep it for as long as you remain claim-free. Please consult your Tokio Marine Life agent / financial advisor to check your eligibility and further information. Terms and Conditions apply.

Product Literature

Sample Product Disclosure Sheet (EN)

PDF, 623.66 KB

Sample Product Disclosure Sheet (BM)

PDF, 537.86 KB

¹The benefit(s) payable under eligible policy is protected by PIDM up to limits.

Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

Why is it important to you?

Here are some reasons why you should consider purchasing TokioMarine-MedSecure.

Hassle-Free Application
Switching from your existing medical plan/rider to TokioMarine-MedSecure is simple, no medical underwriting, no extra waiting period.

Standalone Medical Plan
TokioMarine-MedSecure is a pure medical plan with no savings or investment components, giving you focused protection at an affordable cost.

High Medical Limit
Annual limit of up to RM500,000 and lifetime limit of up to RM5,000,000.

No Claim Discount (NCD)
Enjoy up to 20% NCD from policy inception, and keep it if no claims are approved under specified benefits.

Medical Coverage up to Age 99
Covers Hospitalisation, surgery, cancer treatment, kidney dialysis & more.

Flexible Deductible Options
Choose Deductible 2,500 or Deductible 5,000 whichever suit your budget and needs.

Expert Medical Opinion (EMO)
Access expert medical opinions globally, free of charge and without impacting your policy limits.

Emergency Assistance Service & Benefits
Enjoy access to emergency medical evacuation and repatriation services, both in Malaysia and abroad, when medically necessary.

Medical Coverage for Residence Overseas
Coverage on medical treatment received when you reside or travel outside Malaysia.

Is this right for you?

How to decide if this plan is suitable for you?

This is suitable if you want:

✔︎ A seamless conversion plan if your Existing Medical Plan/Rider is no longer right for you

✔︎ Guaranteed continued coverage

✔︎ A pure medical plan with no savings or investment components

✔︎ A medical plan with high annual and lifetime limits, plus flexible Deductible options

✔︎ Emergency medical support and assistance, both in Malaysia and abroad

This is not suitable if you want:

✖︎ Total and Permanent Disability coverage

✖︎ Plan with savings or investment components

Important information

TokioMarine-MedSecure underwritten by Tokio Marine Life Insurance Malaysia Bhd. All benefits and features herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 30th September 2025.

Buying life insurance is a long term commitment. If you surrender the policy in the early years, the amount you get back may be less than amount that you can afford.

This page has been designed to help you better understand the financial product you are about to purchase. You are advised to read and understand the information provided.

Note: You should satisfy yourself that this policy will best serve your needs. You should read and understand the insurance policy, and at all times, feel free to contact us for more information.