MCIS Life MCIS Life

Protect your lifestyle from as low as RM0.08* per day

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The benefit(s) payable under eligible product are protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact MCIS Life or PIDM (visit www.pidm.gov.my).
MyLifestyle Protect

Protect your lifestyle from as low as RM0.08* per day

Buy Now
The benefit(s) payable under eligible product are protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact MCIS Life or PIDM (visit www.pidm.gov.my).

Ensure you and your loved ones are financially protected against death, Total and Permanent Disability, and 3 Critical Illnesses – Cancer, Kidney Failure, and Stroke.

MyLifestyle Protect Benefits

Sum Assured up to
RM600,000 for Death
or Total and Permanent
Disability, and up to
RM180,000 for Critical
Illness Sum Assured up
toRM600,000
As Low as RM0.081
per day 1for female
age 18 next birthday
with Essential Plan.
Coverage for Death,
Total & Permanent
Disability and
3 Critical Illnesses

What is MyLifestyle Protect?

Financial security is important for any individual because it provides a foundation for stability, well-being, and opportunity. Individuals who have loved ones depend on their income face a unique set of challenges, whereby their unforeseen death, Total and Permanent Disability (TPD), or Critical Illness (CI) can have a devastating financial impact on the lives of their loved ones.

Life insurance is particularly important for these individuals, as it will help their loved ones manage their financial obligations, cover living expenses, or maintain their standard of living, either in the event of their demise or when faced with TPD or CI.

That’s why we’ve made MyLifestyle Protect, a life insurance plan catered for people who have loved ones dependent on their income and who want a simple, affordable, and effective way to financially secure themselves in the event of their demise, TPD, or CI.

As a non-participating yearly renewable term plan, MyLifestyle Protect is focused on financially securing your loved ones by providing you essential coverage. MyLifestyle Protect requires simplified underwriting, making it quick and easy to apply for. 

MyLifestyle Protect is a great option for people who want a specific and affordable insurance plan that provides financial support for some of the most common critical illnesses in Malaysia, while also financially protecting their dependents in the event of their death or TPD.

How much protection will me and my loved ones get?

The Sum Assured is the guaranteed amount of money paid upon the occurrence of a covered event – Death, TPD and any one of the 3 CI. 

Here is a list of MyLifeStyle Protect’s benefits:

Death Benefit

To financially protect your loved ones in the event of your demise, they will receive 100% of the  Sum Assured in the event of your death.

Total and Permanent Disability (TPD) Benefit

We understand the struggles of income earners with loved ones dependent on their income, and recognise that TPD can be just as financially devastating as death. That’s why MyLifestyle Protect provides 100% of the Sum Assured in the event of your TPD.

Here’s how MyLifestyle Protect defines TPD.

TPD must continue uninterrupted for a period of 6 months and must be established by the opinion of the medical advisor appointed by MCIS Life on the insured life’s state of incapacity arising from any of the following conditions:

  1. For an employed insured life– a disability caused by injury or disease which totally permanently prevents the insured life from performing his/her normal activities that is, engaging in any business, occupation, profession or performing any work for wages, compensation, or profit; or

  2. For a non-employed insured life– a disability caused by injury or disease which will require the insured life, for the remainder of his/her natural life, to be subjected to constant medical care and attention and to be confined to a home, hospital or a similar institution; or

  3. Upon occurrence of any of the following to the insured life:

    • Total and irrecoverable loss of sight of both eyes; or

    • Total and irrecoverable loss of use of two limbs at or above the wrist or ankle; or

    • Total and irrecoverable loss of sight of one eye and loss of use of one limb at or above the wrist or ankle.

Note: The payment of TPD Benefit will reduce the Sum Assured accordingly

 

Critical Illness (CI) Benefit

Being diagnosed with a critical illness can be a very daunting time, especially if you have loved ones dependent on your income. With MyLifeStyle Protect, you won’t have to face this alone.

Upon being diagnosed with the following critical illnesses, you will receive 100% of your BSA under certain conditions:

  1. For Cancer – You will receive the CI Benefit if you are required to undergo chemotherapy or radiotherapy treatment. Alternatively, you will receive the CI Benefit if your condition is diagnosed as terminal with less than 6 months to live.

  2. For Kidney Failure – You will receive the CI Benefit if you are required to undergo dialysis treatment. Alternatively, you will receive the CI Benefit if your condition is diagnosed as terminal with less than 6 months to live.

  3. For Stroke – You will receive the CI Benefit if you are unable to perform 3 out of the following activities: transfer, mobility, continence, dressing, bathing/washing, and eating.

Note: The payment of CI Benefit will not reduce the Death/TPD Sum Assured

Learn More

MyLifestyle Protect has 4 different plans – all of which cover Death, TPD, and CI, and offers varying amounts of Sum Assured. You are advised to select a plan that best suits your needs and that you are able to afford. Your premium is also affected by various factors such as your age and gender.
 
Here is a list of the four MyLifestyle Protect plans, with respective Sum Assured:

Plan Sum Assured for Death or Total and Permanent Disability (TPD) Sum Assured for Critical Illness (CI)
Essential RM12,000 RM12,000
Advanced RM24,000 RM24,000
Signature RM36,000 RM36,000
Flexiplan RM37,000 - RM600,000 RM37,000 - RM180,000*

*Equal to Sum Assured for Death or TPD, subject to a maximum of RM180,000.

This plan suits for people aged 18 to 65 years old (age next birthday).

MyLifestyle Protect provides coverage for one year, renewable up until the maximum renewal age of 65 years old (age next birthday).

You will need to pay monthly premiums for MyLifestyle Protect.
 
The cost of your premium depends on several factors, which includes the plan chosen, your age at entry, and your gender.

For example:

  1. For a female aged 18 years old (age next birthday) under the Essential Plan, the premium payable will be RM28.08 per year, or RM2.34 per month.
  2. For a male aged 18 years old (age next birthday) under the Essential Plan, the premium payable will be RM31.68 per year, or RM2.64 per month.
Do note that the premium is not guaranteed and that MCIS Life reserves the right to vary the premium by giving you a 30 days’ notice.
 

Note

  • The above list is not exhaustive. Please refer to the Policy Contract for full details.
  • The product information provided on this website is for general information only and shall not be construed as a policy of insurance. You are advised to refer to the Product Brochure, Sales Illustration (if applicable), Product Disclosure Sheet and Policy Contract for complete details of the product.
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