Your Ideal Companion For Life
What if you can have an insurance plan as a companion throughout your life journey? We have the ideal plan for you! HLA CompleteCover is a regular premium investment-linked plan that provides coverage against death and comes with a wide array of riders for a comprehensive protection solution at every stage of your life.
Increase Your Coverage
Enjoy the flexibility of increasing your coverage at key milestones of your life throughout your policy term without underwriting. Whether it’s taking the first step into adult life upon graduation, getting married, becoming parents, starting a business or acquiring a home, this plan will be with you every step of the way. Otherwise, you can opt to increase your coverage every 3 years in a breeze!
Each increase will be 25% of the initial basic sum assured and capped at RM100,000. The increase can be exercised up to 6 times. Additional insurance charges are chargeable for the increment.
Personalise Your Coverage
What’s more, you can even pick and choose from a wide series of riders for a more personalised coverage!
Secures Your Family’s Finances in Your Absence
Covers early to late stage Critical Illnesses and even Gender-specific and Junior-specific
Covers Your Hospitalisation Cost
Protects Your Pregnancy and Your Child Even Before Birth
Covers Total & Permanent Disability and Old-Age Disability
Provides You Income Should Disability or Critical Illness Occur
Protects Your Finances Should Accidental Death or Disability Occur
Waives Premium Should Death, Disability or Critical Illness Occur
Enjoy Bonus Units!
From the beginning of policy year 7, enjoy extra units that will be automatically added to your policy. The longer you stay with the plan, the more you will be rewarded!
Hassle-free Extension Up to 100
Have the peace of mind knowing that your policy can be extended automatically at policy maturity up to age 100 without underwriting, subject to the selected coverage term. You may need to fulfil the required premium which corresponds to the extended period, or choose to save earlier with higher premium to boost your Account Value. As this is an investment-linked plan, the sustainability of your policy shall depend on your Account Value.
Variety of Funds to Match Your Risk Appetite
You can choose from a wide range of investment funds, ranging from equity, managed and income funds that match your risk appetite to optimize your potential earnings.
Who Can Apply
||Subject to underwriting
Entry age of the Life Assured
||13 weeks of gestation
||30 days old
||70 years old
Monthly, quarterly, semi-annually & annually
Multiple options are available to best suit your protection needs.
Basic Sum Assured
Minimum : Depends on your entry age and annual premium, subject to minimum of RM5,000
Maximum : Subject to underwriting