Features & Benefits
In a constantly changing world, securing the right insurance is more important than ever. You need an insurance solution that’s simple, flexible, and tailored to protect what matters most.
Introducing Hong Leong SMART Protect Plus Insurance, an investment-linked plan that provides life protection up to age 100 and can be tailor-made to offer you a sense of security along the way.
Tailor-made Coverage
Choose from a suite of solutions to carefully craft your protection according to your lifestyle! Our riders include coverage for life protection, critical illness, disability, medical, premium waiver, income and accidents.
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Choose from a suite of solutions to carefully craft your protection according to your lifestyle! Our riders include coverage for life protection, critical illness, disability, medical, premium waiver, income and accidents.
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Hassle-free Extension Up to Age 100
Your policy can be extended automatically, recurring every 5 years, upon policy maturity up to age 100 without underwriting, subject to the selected coverage term and policy sustainability. 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.
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Your policy can be extended automatically, recurring every 5 years, upon policy maturity up to age 100 without underwriting, subject to the selected coverage term and policy sustainability. 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.
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Policy Term
Multiple policy term options are available to meet your protection needs.
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Multiple policy term options are available to meet your protection needs.
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Premium Payment
Premium is payable throughout the whole policy term. Minimum basic annualised premium is RM 3,000. Payment can be made monthly, quarterly, semi-annually or annually via cash, cheque, credit card, e-wallet and auto debit.
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Premium is payable throughout the whole policy term. Minimum basic annualised premium is RM 3,000. Payment can be made monthly, quarterly, semi-annually or annually via cash, cheque, credit card, e-wallet and auto debit.
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Eligibility (age on last birthday)
Minimum
Maximum
1st Life Assured
30 days old
Policy Term Option
Maximum
Up to Age 70
50 years old
Up to Age 80
60 years old
Up to Age 90 / 100
70 years old
2nd Life Assured
30 days old
70 years old
Policy Owner
16 years old
70 years old*
* If purchase rider
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Minimum |
Maximum |
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1st Life Assured |
30 days old |
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2nd Life Assured |
30 days old |
70 years old |
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Policy Owner |
16 years old |
70 years old* |
* If purchase rider
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This product is underwritten by Hong Leong Assurance Berhad, an insurer licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.
Disclaimer
The information provided on this page is not a contract of insurance. The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are in the policy document.
PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY/PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact [Hong Leong Assurance Berhad] or PIDM (visit www.pidm.gov.my).
