Insurance

As a local insurance agency, we handle Tokio Marine Malaysia products for medical insurance, auto insurance, and other non-life insurance. For life insurance and savings-type insurance, we handle Hong Leong Insurance from Singapore.

Many of our clients are MM2H visa holders staying long-term in Malaysia, expatriates working at Japanese companies, and families on educational stays. For those living here long-term, various local insurance policies are essential for a safe and secure lifestyle. Additionally, in Malaysia with its growing population and rising incomes, savings-type insurance offers high returns that are unheard of in Japan.

The key point: It is best to enroll while you are young and healthy.

1. In Malaysia, as in Japan, there are age limits and health examinations. Those over 65 may find it difficult to enroll.

2. Once enrolled, you can usually renew even if you become ill afterward.

3. Savings insurance typically has 20-30 year terms. Starting in your 30s-40s is recommended.

4. Young and healthy individuals have lower insurance premiums.

1. Medical Insurance
Malaysia has no national health insurance. Private hospitals require high deposits without insurance.

2. Dengue Fever Insurance
Covers sudden expenses from dengue or Zika fever. Malaysia has 20,000-40,000 cases annually.

3. Accident Insurance
Covers medical expenses from injuries in daily life accidents.

4. Golfer Insurance
For golfers, covering club damage, injuries, and hole-in-one celebrations.

5. Auto Insurance
Legally required in Malaysia. Note: Passenger injury requires separate coverage.

6. Fire and Home Insurance
Covers fire and lightning damage to residences, offices, and factories.

7. Expatriate Insurance
Comprehensive coverage combining home contents, golfer, accident, and liability insurance.

8. Travel Insurance
Covers medical expenses and liability during travel from Malaysia.

1. Malaysian life insurance offers better returns than Japanese insurance. MM2H visa or work permit required.
2. Long-term savings insurance recommended for building retirement funds over 20-30 years.
3. Malaysian education insurance offers higher returns than Japanese equivalents.
4. Companies can use savings-type insurance for employee retention programs.

1. Property Risk: Fire, theft, fidelity guarantee insurance
2. Liability Risk: Premises liability insurance
3. Employee Benefits: Group hospitalization, accident insurance
4. Key Personnel Retention: Savings-type life insurance

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For inquiries, contact:
KL/Penang: infokl@tpcl.jp (Hong)
Johor Bahru: infojb@tpcl.jp (Pong)