Allianzi-EssentialCover
A smart term life insurance plan for those looking for flexible cover and low premiums. Get your free online quote when you apply today!
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Product Summary
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Key Features
Essential features of your insurance coverage
| Cover Term | Protection up to age 65 |
| Premium Type | Flat rate. Stays the same throughout coverage term. |
| Tax Relief | Up to a maximum of RM3,000 a year |
Coverage
How will i-EssentialCover Insurance help to secure your family's financial future?
Main Coverage Overview
| Main Coverage | Coverage Period | Am I Protected? | Coverage Amount |
|---|---|---|---|
| Death | from 18 up to 65 years old | up to RM500,000 | |
| Total and Permanent Disability (TPD) | from 18 up to 65 years old | up to RM500,000 |
Important Coverage Notes
Accidental Deaths: Must be due to accidental bodily injury within thirty (30) days from the date of the accident
Multiple Claims: If multiple accidental death claims occur from a single event, the highest Benefit Amount will be payable
Pre-existing Conditions: This policy does not cover pre-existing conditions
Hospital Income Benefit: Subject to a lifetime limit of one hundred (100) days
Need Clarification? Contact Allianz Insurance at 1300225542 for detailed explanations of coverage terms and conditions.
Requirements
Age requirements and eligibility criteria for coverage
| Minimum Entry Age | At least 18 years of age |
| Maximum Entry Age | At most 55 years of age |
| Coverage Expiry Age | At most 65 years of age |
Eligibility Summary
This insurance product is designed for individuals who meet the age requirements and are looking for comprehensive life insurance coverage. All applicants must meet the specified age criteria at the time of application to be eligible for coverage.
Important Documents
Download essential documents to learn more about your insurance coverage
Product Disclosure Sheet
Detailed information about the product features, benefits, and terms
Product Brochure
Marketing brochure with key highlights and benefits
Policy Wording
Complete policy terms and conditions
Need Help? If you have trouble accessing any documents or need additional information, please contact Allianz at 1300225542 or customer.service@allianz.com.my
Frequently Asked Questions
Get answers to common questions about term life insurance, coverage options, and the application process.
This coverage offered by Allianz is a term-life-insurance product meant to care for you through your life and your family after your death. So take more time to value yourself and pick up this insurance policy. You will get 10 years of coverage with this plan, without having to make constant renewals. Also, your family will be able to stay afloat should anything happen to you, and have some help while they try to get back on their feet.
Much like other term life insurance plans, this one will cover you for both death, accidental total and permanent disability and total and permanent disability. With coverage of more than RM1million you can be sure that your loved ones will get a great payout.
Well this is where the policy varies from most plans. With the Allianz i-EssentialCover, you will need to be at the legal age of 18 or over to apply. Coverage is for 10 years from the date of application or till you reach the maximum age of 65 years old. It will depend entirely of when in your life you are purchasing this policy.
Well you might want to take note that this policy does not cover pre-existing conditions, so be careful to take that into consideration before you buy the policy. There will also be a grace period of 15 days in which you can change your mind to cancel the policy but after that, you can still cancel it but you may not get a refund on your premiums paid.
Still have questions?
Our support team is here to help you with any inquiries.
Contact Our Support TeamWhat Our Customers Say
Hear from families who have secured their financial future with our term life insurance.
"I’ve worked with other insurers before, but what stood out with Qoala was the professionalism and depth of insight from their advisor. They tailored the recommendations to my long-term goals and checked in after to ensure everything aligned with my needs."
Chew Chong Yong
Father of two, Malaysia
"I’ve worked with other insurers before, but what stood out with Qoala was the professionalism and depth of insight from their advisor. They tailored the recommendations to my long-term goals and checked in after to ensure everything aligned with my needs."
Nabishah
Parent, Malaysia
Real humans are here for you
Have questions? Want to file a claim? Our dedicated human support team is always ready to personally assist you - no bots, no automated responses.
General Enquiries
cs@qoala.mySales Enquiries
(+60) 3 2201 7474Business Hours
Need immediate human assistance?
Our dedicated human support specialists are standing by to personally help you with any questions, policy changes, or claims assistance.