How we protect

We don’t just help you buy a policy. We make sure it actually works when you need it

Our process

How it works

Insurance can be confusing. We keep it simple, go at your pace, and make sure you know what you’re paying for

1
We listen first
We start by understanding your income, who depends on you, your loans, and what cover you already have
2
We explain your options
We tell you why we suggest each thing in plain words, then show options that fit you
3
You decide, we set it up
You get clear pricing and simple steps to start. No pressure
4
We stay with you
Life changes, so we check your cover from time to time. And when you need to claim, we're the first person you call

Medical cost strategy

Decide where you are comfortable carrying the cost

Allianz medical cover can share costs in different ways. We show you what may leave your pocket during a claim, then check whether that structure still fits your savings, company cover, and longer-term budget.

HealthAssured

Co-insurance with an annual ceiling

You share a percentage of eligible expenses until the policy-year maximum is reached.

Up to RM1,000

per policy year

15%

Up to RM2,500

per policy year

The Basic Plan offers both options; the Premier Plan offers the 5% option.

On an eligible RM30,000 bill

RM1,500 calculated

RM1,000

Your capped share

RM29,000

Remaining eligible amount

15%

RM4,500 calculated

RM2,500

Your capped share

RM27,500

Remaining eligible amount

The published co-insurance does not apply to emergency treatment including accidents, outpatient cancer treatment, outpatient kidney dialysis, or treatment at a government healthcare facility.

Existing-policy strategy

A fixed deductible you can plan around

A deductible is a fixed amount you fund before eligible expenses are handled under the policy terms. The available amount and how it applies depend on the client’s actual Allianz policy.

Illustrative RM5,000 deductible

RM30,000 eligible bill

RM5,000

Your fixed buffer

RM25,000

Remaining eligible amount

Often considered when employer cover or accessible savings can absorb the first layer of a hospital bill.

Example only. The policy schedule decides the deductible, eligible expenses, limits, and exclusions.

The Team 5O5 review

The product is Allianz. The recommendation starts with your numbers.

Before suggesting either structure, we test the trade-off against four things that are personal to you.

Claim-time buffer

Cash you can access without disrupting the family

Existing cover

Company medical benefits and policies already in force

Long-term fit

Whether the ongoing commitment remains manageable later

Policy conditions

Waiting periods, exclusions, limits, and what stays covered

Figures are based on Allianz Malaysia’s published HealthAssured brochure.Read the Allianz brochureIllustrations are not quotations. Underwriting, eligible expenses, reasonable and customary charges, current product availability, and policy terms apply.

What we cover

What we help you protect

Cover only matters when it fits your real life. We plan around your family, work, home, and business

Income protection

If you can't work because of illness or injury, this replaces your pay

Medical coverage

Hospital bills, critical illness, and long-term medical care

Family protection

Make sure your family is taken care of, even if you're not around

Home & loan

Keep your home safe if you can no longer pay the loan

Business protection

Help your business keep running if something happens to you or a partner

Retirement & legacy

Medical care, income for your old age, and what you leave behind

Which one sounds like you?

If one of these sounds like you, tap it to find the matching stage and what to protect first

Fresh graduates First-time homeowners Breadwinners Expecting a child Young parents MM2H residents Business partners Freelancers / SME owners Business depends on one person Corporate employees Retired or nearing retirement Professionals / high-income earners Foreigners or foreign spouses

Not sure if you have enough cover?

Have a chat with us. We’ll look at your situation and show you what good cover looks like. No pressure

Talk to us

Usually replies within an hour

Now you know how we work. See who we protect and what happens when a family needs to make a claim.

A multi-generation family discussing protection with their advisor

Who we serve

From fresh grads to business owners, see which stage fits your life right now

See who we serve

A financial advisor reassuring a couple at home

Claims stories

See how we helped real families when they needed to claim

Read the stories

How we protect

How it works

We listen first

We explain your options

You decide, we set it up

We stay with you

Decide where you are comfortable carrying the cost

Co-insurance with an annual ceiling

On an eligible RM30,000 bill

A fixed deductible you can plan around

Illustrative RM5,000 deductible

The product is Allianz. The recommendation starts with your numbers.

Claim-time buffer

Existing cover

Long-term fit

Policy conditions

What we help you protect

Income protection

Medical coverage

Family protection

Home & loan

Business protection

Retirement & legacy

Not sure if you have enough cover?

Now you know how we work. See who we protect and what happens when a family needs to make a claim.

Who we serve

Claims stories

Find us online

Ready to start a conversation?