Hong Leong Assurance Berhad (94613-X)

Life Protection

We offer life protection to people from all walks of life with different needs, ranging from traditional whole life plan to term plan as well as investment-linked plan.


HLA Premier Millions

Protection in the present, a legacy for tomorrow

Planning to leave a legacy for your loved ones doesn’t mean neglecting your immediate protection needs. With HLA Premier Millions, you and your family can now be protected without compromise.
 
HLA Premier Millions is a regular premium investment-linked protection plan with a full suite of selections for you and your family. With our recommended Platinum Selection1, you will be covered for RM 1 million upon your death, RM 2 million upon Total and Permanent Disability (TPD2) or Old Age Disablement (OAD3), RM 3 million upon accidental death, and RM 4 million4 in world-leading medical treatment for advanced cancer*. 
 

* The definition of Advanced Cancer is the same as the definition of Cancer under Critical Illness (CI) Definitions issued by the Life Insurance Association of Malaysia (LIAM) in March 2016.
 

1 Selections consist of HLA Premier Millions and optional riders.
2 TPD refers to Total and Permanent Disability prior to attaining age 65.
3 OAD refers to Old Age Disablement after attaining age 65.
4 This benefit is subject to a USD 1 million Annual Limit and a USD 2 million Lifetime Limit, and assumes a conversion rate of 1 USD to 4 MYR in this write-up.
 

Exclusively for You and Your Loved Ones – Platinum Selection

 
Legacy for your Family Protection for Yourself

RM 1 million: Death


RM 1 million as a lump sum payment upon death due to non-accidental causes.

The coverage expires at age 1005.

RM 2 million: Disability


RM 2 million in the event of TPD2 or OAD3.

The coverage expires at age 1005.

RM 3 million: Accidental death


RM 3 million as a lump sum payment upon accidental death.

 

This accidental death benefit will pay RM 3 million up to the age of 755 and RM 1 million thereafter up to the age of 1005.

RM 4 million4: Advanced cancer*


Up to RM 4 million4 in world-leading medical treatment for advanced cancer*. The arrangements and bills for your cancer treatment will be taken care of by us.
 

Subject to an Annual Limit of RM 4 million4 and a Lifetime Limit of RM 8 million4. The coverage expires at age 855.

 

Your legacy for your loved ones remains unchanged even upon disability or advanced cancer* claim.
 

* The definition of Advanced Cancer is the same as the definition of Cancer under Critical Illness (CI) Definitions issued by the Life Insurance Association of Malaysia (LIAM) in March 2016.
 

2 TPD refers to Total and Permanent Disability prior to attaining age 65.
3 OAD refers to Old Age Disablement after attaining age 65.
4 This benefit is subject to a USD 1 million Annual Limit and a USD 2 million Lifetime Limit, and assumes a conversion rate of 1 USD to 4 MYR in this write-up.
5 Your insurance charge (which is not guaranteed and deducted from the account value) will increase as you get older. It is possible that the account value may be insufficient to pay for the high insurance charge and policy fee in later years due to circumstances such as poor fund returns, premium holiday or withdrawals causing your policy to lapse before attaining the stated expiry age. In such event you may need to top up your premium to ensure continuous coverage.
 

How Your Advanced Cancer* Treatment Works


When you’re faced with cancer, we understand that the journey to recovery can be stressful and costly. With the Advanced Cancer Care Rider, you have up to RM 4 million4 in world-leading medical treatment for advanced cancer* that assures you of the best medical services, and a seamless process that allows you to focus on recovery.

In just 4 simple steps, you now have access to world-leading medical centres of your choice in the United States, Europe, and Australia.

Upon diagnosis
• Call dedicated hotline
• Get a second opinion to confirm the diagnosis and be admitted for this benefit
• Pick 1 of 3 recommended world-leading medical centres
   
Seamless process
• Get ready for overseas treatment with your companion
• The business class flight + accommodation for you and your companion are covered
• Receive RM 12,0006 as pocket money
   
Overseas treatment
• Treatment at world-leading medical centre
• Maximum coverage of 60 days for treatment
• Entitled to up to RM 200,0006 in post-hospitalisation medication while overseas
   
Welcome home
• Administrative service for follow-up treatment at local hospitals


The benefits under this rider are subject to revision by the Company. With 90 days prior written notice, such revision will be effected on the next anniversary date of the rider. Please refer to the Product Disclosure Sheet for details on the benefits, waiting period, exclusions, and other terms and conditions.
 

* The definition of Advanced Cancer is the same as the definition of Cancer under Critical Illness (CI) Definitions issued by the Life Insurance Association of Malaysia (LIAM) in March 2016.
 

4 This benefit is subject to a USD 1 million Annual Limit and a USD 2 million Lifetime Limit, and assumes a conversion rate of 1 USD to 4 MYR in this write-up.
6 Assumes a conversion rate of 1 USD to 4 MYR in this write-up.


Who Can Apply

  • Entry age of the Life Assured

    Minimum: 30 days old
    Maximum: 65 years old

  • Age of the Policy Owner

    Minimum: 16 years old

  • Annual Premium

    Minimum: RM8,000
    Maximum: Subject to underwriting

  • Payment Frequency

    Monthly, quarterly, semi-annually, annually

  • Policy Term

    100 – Entry age


More information


Contact Details

 

Should you require the services of the rider(s) you have purchased, please click here.


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