What is TokioMarine-CriticalDefender

This is a plan that offers you: 

  • Coverage for cancer or kidney failure.
  • Levelled premium throughout the coverage term.
  • Sum assured to be paid in one lump sum upon diagnosis of covered illnesses  

Why is this important to you?

With TokioMarine-CriticalDefender, you can:

  • Have an affordable levelled premium for coverage up to RM100,000.
  • Relieve your financial burden upon diagnosis of any covered critical illnesses.  

This is suitable if you want

  • An affordable critical illnesses coverage plan.
  • To ease financial constraint when diagnosed with any covered critial illnesses.


This is not suitable if you want 

  • A plan that contains savings and investment elements and participate in our profits.
  • Death or Total and Permanent Disability coverage.
  • A plan that covers hospitalization and medical benefits.

Key Coverage

  • Cancer
  • Kidney Failure
Please note that this brief summary is not a policy document. We advise you to read the actual policy documents for important details on coverage, exclusions, limits and conditions.  

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Important information

This plan is underwritten by Tokio Marine Life Insurance Malaysia Bhd. All benefits and features mentioned 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 28 February 2019.

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 have paid in.

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.