• Offers high-income replacement up to RM8,000/month for serious conditions.
• Covers critical illness, long-term disability, and mental health issues.
• Includes recovery support like physiotherapy and therapy sessions.
• Comes with free annual health screening (RM200 voucher).
• Ideal for professionals or families who rely on a steady income.

• Full income coverage during recovery.
• Waiver of premium if diagnosed with a critical illness.
• Early payout even for partial disability.
• RM200 health check voucher every year.
• Includes psychological therapy (up to RM1,500/year).

• Cancer, stroke, heart attack.
• Accidents and long-term illness.
• Temporary or total permanent disability.
• Rehabilitation support (physiotherapy, mental health recovery).

• Parents, business owners, or high-income earners.
• Professionals aged 30+ with financial responsibilities.
• Anyone looking for strong long-term protection.

25 to 60 years old (renewable up to 70)