Daruma - 06 August 2019 Issue

ARUMA

Focused on Achieving Our Goal

CHAMPION

OF THE CHAMPION

The
Glamourous

Issue

2018 TOP PRODUCERS

4x Champion Agency Manager
3x Champion Unit Manager
1st TOT in Tokio Marine Life

Double Champion Sales Agent & Rookie

2019 AGENCY AWARDS PRESENTATION
AWARDEES

TOP PRODUCERS
TOP INVESTMENT-LINKED PRODUCERS

AGENCY BUILDERS’ CLUB
TOP INTRODUCER
2019 MDRT
TM inTUNE:

ONE TOKIO APPS • ILADY
CLAIM FAQ • CLAIM SCENERIO

AGENCY NEWSLETTER
NO. 06 JAN – JUN 2018
AUGUST 2019

FOR INTERNAL CIRCULATION ONLY

CONTENTS SPOTLIGHT

Events / Tours 2019 AAP Achievers

01 Message from the CEO 2019 AAP
01 2019 Agency Theme - Mission 5000
02 Message from the DCEO Training
02 Message from the CAO Highlights
03 2019 AAP Awardees Teaser
04 2018 MDRT Master Class for Leaders
05 2019 AAP & MDRT Video Shooting
05 2019 Lucky Draw ICMF Global Learning Alliance

Spotlight Events in TMLM Content Editor & Art Editor
Agency Planning
06-07 2019 Agency Business Kick-off Lim Chui Ling
08-09 2019 Agency Business Kick-off Party Contributors:
10-11 2018 Tokio Marine Life TMCC Contest Corporate Communications & Advertising
- Taiwan & Celebration Dinner Wilson Tang
12 2019 Indian Agency Development Leaders Agency Planning
Convention Chee Poh On, Cynthia Chong & Go Chean Chun
13 2019 AAP Seminar - Mandarin Session Agency Business Development
13 2019 AAP Seminar - Tamil Session Amber Loh, Angie Chan, Christine Sim, Danielle Leong, Jamie Yap,
14-15 2019 AAP Morning Session Javier Tan, Julian Foo, Krishnan Muguram, Nicole Lee, Sivakumar
16-17 2019 AAP Night Session Palanisamy, Zainal Tang, Zeoilen Fam
18-19 2018 Agency Tour - Milan & Venice & TMTDA
Santorini Extention Tour Alan Ho, Esther Wang, Kenis Yan & Nasuha Bt Yunus
20 2019 Agency Tour Croatia & Budapest Actuarial Department
Benchmark Qualifiers Operations Department
21 2019 TMCC Launching Dr Parveen Kaur & Tay Ley Chen
Propositions & Pricing Department
Recruitment Highlights

22 2019 UM and SM Promotion
T-Marine Corp Updates
23 T-Marine Corp Scheme in 2019
24 T-Marine P.U.M.P 2019 (TMP)

Training Highlights

25 Masterclass for Leaders
25 ICMF Global Learning Alliance
26 MDRT-AIMS (Advancement in Managing

Sales) 2019

TM inTUNE

27 Marketing Communication Highlights
28-29 Branch Update
Operation Updates
30 Claim Case Study
31 Claim FAQ
32 Product Highlight

Statistic

33 Claims Statistic

C E O Dear agency members,
What a remarkable six months it has been! In May, we witnessed the Agency
ME SSAGE Awards Presentation Dinner at Genting Highlands, a pinnacle of Tokio
Marine Life’s agency force. It was a massive turnout with over 1,000 people
celebrating the success of our top producers. I am thrilled to see a number
of record breakers namely, Mr. Malai - four-time Champion Agency Manager;

Ms. Cheng Kwee Lan - hat-trick Champion Unit Manager and Ms. Saw Bee Eng

- first Top of the Table member, simultaneously achieving double-champion

Sales Agent and Rookie. We had three agency groups which won the Mega

Agency award – Asia Ace, EPTS Mansion and Jessy Chen Agency; and 29 life

advisors who qualified as MDRT members in 2019. Congratulations on your

success and hard work.

I am expecting our very first Grand Mega Agency, 5 Mega Agencies achievers
and a new record of total 40 MDRT qualifiers to complete the success for 2019.
Tokio Marine Life believes in a long term partnership with our agency force,
by developing innovative and consumer-centric life insurance products and
promoting the usage of T-Marine Pro to improve agency members’ productivity.

I must continue to emphasize that 2019 will be a transformation year for Tokio
Marine Life Agency. Our recruitment programs are getting very encouraging
results from the “Build2Grow3.0” Campaign. We have set our sights of achieving
5,000 total agency members with a production RM200 million AFYP in year
2020. Our “Mission 5000” will be a reality and I ask our agency members to
be resilient, uphold the sense of professionalism and reach for greater heights.

CEO By leveraging the power of digital transformation and “Hokenbito” culture, I
believe that Tokio Marine Life can move forward from strength to strength
Tokio Marine Life Malaysia Bhd. towards the goal of becoming top five life insurers in Malaysia. Let’s work
together to make 2019 another remarkable and productive year!
TOI SEE JONG

1

DCEO 暑中お見舞い申し上げます。(Summer Greetings to you! )

MESSAGE Since life insurance sales is not an easy job, awards and recognition becomes
an important driver for success. The Agency Awards Presentation (AAP) is to
honour the significant achievement of our agency leaders and agents who have
made outstanding performance over the year. We at TMLM try our very best to
recognise our achievers in the most sophisticated way every year.

This year, we have invited four colleagues from Tokio Marine Group in Asia to our
AAP 2019. They were from Tokio Marine Asia, the regional office in Singapore
and Tokio Marine Life Insurance Indonesia respectively. The objective of inviting
them to our AAP was to enhance the group’s synergy through best practice
sharing. I was confident that our AAP would give some ideas to our friends, as
our AAP creates excitement jointly with TMLM staff, agency leaders and agents.

We could show them the strong sense of the family bonding among each other
within the agency group as well as within TMLM. It is what I am most proud with
the best army of Tokio Marine Group in Asia.

My favourite moment is to see awardees celebrate joyfully amongst all the
agency members by cheering and ushering the awardee walk in on the red
carpet and the agency leader proudly recognising the achievement and growth
of their agents. This is the culture I love in TMLM. Over the years here, I realised
that we have many good and potential agency leaders and agents in TMLM.

As an organisation, we have continuously focused on recruitment that comes
along with talent development of young agents for their future career pathways.
The work is hard, no doubt but after a few years of struggling and commitment
by agency leaders and the Company, we have produced many passionate and
committed young agents who are keen to grow with us.

DCEO Though we are still working hard towards the goal, I can be more optimistic that
we can achieve it in the near future, as long as we continue our efforts with
TOKIO MARINE LIFE MALAYSIA BHD. Kaizen improvement mind.

YOSHIAKI OKABE 岡部 養明 Let’s strive ahead together, grow together and “To be a Good Company” for the
society.

C AO In the first half year of 2019, we have achieved RM62.7 million APE and 627
new recruitments, which is a 29% growth in APE and 67% growth in recruitment
ME SSAGE versus same period last year. We are one step closer to our KPIs and I would
like to thank to all who have contributed towards this amazing achievement. A
timely reminder though, we have to ensure that the minimum total manpower of
5,000 and RM200 million in APE are to be achieved before year 2020 ends. As the
saying goes: “Aim for the moon. Even if you miss, you’ll land among the stars.”
So, let us keep the momentum going!

Congratulations to Mr. S. Malaiyarasan and Asia Ace for leading the triumph by
achieving 4-Star Agency in first half of the year. With your determination and
passions, I am confident that Asia Ace will strive towards the RM10 million for
Grand Mega Agency goal in 2019. We would also like to congratulate all Star
achievers, ie 15 Star Agencies, 7 Star Units and 25 Star Agents. Do move forward
to achieve more Stars award by end of the year.

TMLM is proud to welcome the first MDRT in Year 2019, Jessy Chen Agency Sdn
Bhd. In qualifying for the MDRT membership, Ms. Jessy Chen has also won herself
an IWC designer watch. Congratulations on your well-deserved achievement
and best wishes for your next adventure to COT & TOT. We also extend our
heartiest congratulations to 50 Super Early Bird and Early Bird qualifiers of the
MDRT Contest, you will be the IWC watch owner when you qualify for MDRT by
end of year 2019.

CAO Moving forward, four Group companies from Thailand, Singapore, Malaysia and
Indonesia kicked start the Tokio Marine Challenge Cup (TMCC) for the fifth
TOKIO MARINE LIFE MALAYSIA BHD. consecutive year on 2nd July 2019. We won 2 out of 5 categories last year and
certainly aim at sustaining the excellent performance this year or even better.
LIEW KIM WAH Our AFYP submission for first week recorded a growth of 24% versus last year
to RM4.7 million, driven by strong sales of TM-iBig and TM-iLife Secure. A great
start for us, indeed.

Last but not least, 3rd quarter ends with the closing of 2019 Agency Main Tour
Contest. With the great momentum built up in 2nd quarter, I am sure many will
go the extra mile to qualify for the tour to Croatia and Hungary, two attractive
East European countries which nobody wants to miss. See you in Zagreb and
Budapest!

2

Congratulations to 2019 AAP Achievers

Front From Left: Lee Mou Yen, Cheng Kwee Lan, Malaiyarasan S/O Subramaniam, Saw Bee Eng, Vanasundari A/P Govindasamy
Back From Left: Chin Shi Hui, Nadia Heng, Cheow Nam Fee, Leong Wai Keong, Wee Wai Ming

Middle From Left: Rumayee A/P K Muthusamy, Teh Keat Mei, Jessy Chen Agency Sdn Bhd, EPTS Mansion Sdn Bhd, Yong Cheng Gek

TOP PRODUCERS AWARD

Champion Award Category Awardees Name Agency
Top Agency Manager Malaiyarasan S/O Subramaniam Asia Ace
1st Runner Up Top Unit Manager Cheng Kwee Lan MAXX Group LLH
2nd Runner Up Top Sales Manager/Agent Top Rookie Saw Bee Eng Angkasa Advisory Sdn Bhd
3rd Runner Up Top Agency Manager EPTS Mansion Sdn Bhd MAXX Group EPTS
Top Unit Manager Teh Keat Mei MAXX Group GPC
Top Rookie Lee Mou Yen MAXX Group LLH
Top Agency Manager Jessy Chen Agency Sdn Bhd Jessy Chen Agency Sdn Bhd
Top Unit Manager Nadia Heng Angkasa Advisory Sdn Bhd
Top Agency Manager Leong Wai Keong MAXX Group GPC
Top Unit Manager Rumayee A/P K Muthusamy Roomas Agency

TOP ACHIEVERS lNVESTMENT-LINKED

Champion Award Category Awardees Name Agency 3
Top Agency Manager Malaiyarasan S/O Subramaniam Asia Ace
1st Runner Up Top Unit Manager Cheng Kwee Lan MAXX Group LLH
2nd Runner Up Top Sales Manager/Agent Vanasundari A/P Govindasamy Asia Ace
3rd Runner Up Top Rookie Lee Mou Yen MAXX Group LLH
4th Runner Up Top Agency Manager EPTS Mansion Sdn Bhd MAXX Group EPTS
Top Unit Manager Teh Keat Mei MAXX Group GPC
Top Sales Manager/Agent Yong Cheng Gek Yeow Kee Bian Agency
Top Agency Manager Jessy Chen Agency Sdn Bhd Jessy Chen Agency Sdn Bhd
Top Unit Manager Rumayee A/P K Muthusamy Roomas Agency
Top Sales Manager/Agent Wee Wai Ming MAXX Group GPC
Top Agency Manager Leong Wai Keong MAXX Group GPC
Top Unit Manager Chin Shi Hui MAXX Group CNF
Top Agency Manager Cheow Nam Fee MAXX Group CNF

4

2019 AAP Awardees & MDRT Qualifiers

Photo and Video Shooting

by Lim Chui Ling

SHOOTOUT! A special photoshoot

session for the 2018 Top Achievers and 2019
video shoot for the 2019 MDRT were organised
in TMLM HQ from 23 – 27 January 2019. Aptly
with the theme grand and glamorous, the
awardees came dressed in their best for both
sessions.

The company also arranged a special photo and
video shoot to all 2019 MDRT members. The
MDRT member “Success Story” is our salute to
highlight the success and achievement stories
of each and every MDRT members that pushed
themselves out of their comfort zones to attain
the prestigious MDRT status.

The 5-day photo and video shoot witnessed 46
top achievers in TMLM sharing their hardship in
life stories and testimonial.

by Lim Chui Ling Yes! It is the much awaited 2019 Lucky Draw Bonanza
with 84 attractive prizes for the Main Draw and 4 Grand
Prizes (worth more than RM500,000) to be given out.
For the first time in Tokio Marine Life, the Grand Prize
contest was determined by the number of new recruits
who joined in the month of Jan – Mar 2019. Once again
the agency force has made us proud when they hit the
minimum entry for the Grand Prize - Toyota C-HR (worth
RM149,000).

During the main draw, TMALFAA President, Mr M. Rajoo
(Agency Manager) witness the test run of the lucky
winner selection to ensure credibility. The main draw
lucky winner received prizes that ranged from RM188 to
RM7000. A good number of lucky winners appear during
the event.

Meanwhile, the Grand draw was held during the 2019 AAP
Gala Dinner. The grand draw of the Toyota C-HR was won
by Mr Yong King Hieng from Sibu branch. The 1st Prize
travel voucher worth RM20,000 was taken home by Ms
Jodhi A/P Ramasundram, Johor Bahru and the 2nd and
3rd Prize lucky draw winner was respectively Ms Jessie
Chen from Kuala Lumpur who received a travel voucher
worth RM10,000 and Ms Hii Ming Ting from Kota Kinabalu
who received a travel voucher worth RM5,000.

5

10 – 11 January 2019 by Lim Chui Ling

The much anticipated 2019 Agency Business Kick-Off was
held at Sunway Resort Hotel & Spa Grand Ballroom on 10 –
11 January 2019. The event was attended by 600 field force
from all over the country.

The session started with the Opening Gambit performance
by the staff. After the lively gambit, our CEO, Mr Toi See
Jong delivered his opening speech on the company’s overall
direction. A special recognition of 2018 Mega Awardees – 3
Mega Agencies (Asia Ace, EPTS Mansion and Jessy Chen

Agency), 1 Mega Unit (Ms Cheng Kwee Lan) and 1 Mega
Agent (Ms Saw Bee Eng) also took place on the stage.

Besides this, Head of Proposition and Pricing - Mr Ricky Lim,
Head of Operations - Ms Rachel Chin and Head of Corporate
Communication – Mr Wilson Tang took the opportunity to
brief and highlight various subjects related to claims, new
underwriting guidelines, products and corporate initiatives.

6

We also invited Master Kenny Hoo to share as our platform
speaker. Master Kenny Hoo provided a source of motivation
and shared tips on “feng tsui” to prompt our agency force
in reaching their peak of accomplishment with his topic
“2019 Good Feng Tsui – The Secret for Greater Success

and Prosperity”.

The launching ceremony of the Kick-Off, jointly officiated
by Chief Executive Officer, Mr Toi See Jong, Deputy Chief
Executive Officer Mr Yoshiaki Okabe and Chief Agency
Officer, Mr Liew Kim Wah unveiled the new 2019 agency
theme – MISSION 5000 via a ceremony of filling up the

“5000 block” - together with Tokio Marine Life Top Agency
Manager Mr Malaiyarasan, founder of Asia Ace, Mr
Mason Cha of EPTS Mansion, Ms Jessie Chen of Jessy
Chen Agency and Mr Leong Wai Keong of Grand Power
Consultancy.

This was followed by a speech by the CEO before Mr Liew
updated agency members on the achievements and results
for 2018, together with the announcement for the 2019
Main Tour destination and 2019 1st Quarter Initiatives.

7

2019 AGENCY

BCUeSlIeNbEra1S0 JAtSNiUoARKYn20I19CPKa-OrtFyF

By Lim Chui Ling
The Kick-Off Celebration Party saw the participation of 460 agency members. The celebration
was held at SOJU Sunway on 10 January 2019.
The stars of the event – 232 recipients that make up the Top 10 Super Introducer, Special
Recognition – 12 Cases Above, Special Recognition – Most Cases, Special Recognition UM
DU and AM Group, Super Producer, Super Producer AFYP and 12 cases were recognised on
stage. They were presented with plaques of achievements by the Appoint Actuarial and Head of
Analytic & Strategy - Mr Wong Kang Yuan, Head of Proposition & Pricing - Mr Ricky Lim, Head
of Operations - Ms Rachel Chin and Head of Business Development - Mr Tai Chee Ming.
The event was further entertained by the lively DJ of SOJU, who liven up the night’s ambience
and had the crowd clamouring for more.

8

9

TOKIO MARINE CHALLENGE CUP

CELEBRATION DINNER
& TAIWAN TOUR

11 – 14 JANUARY, 2019

by Cynthia Chong

We had a total of 188 participants flown in to Taipei, Taiwan,
for a 4D/3N excursion after our Kick-Off in early January this
year. Our itinerary for this trip covered some of the famous
places in & around Taipei, i.e. Ximending, Wufenpu Garment
Wholesale, Shilin Night Market, Jiufen & Shifen. The highlight
activity arranged for all our participants was, the releasing
of Sky Lanterns at Shifen. All of them enjoyed transferring
their well wishes, hopes and dreams onto the lanterns before
setting them free on the train tracks. May all their wishes and
dreams come true!

In conjunction with this trip, there was also the celebration
dinner of 2018 Tokio Marine Challenge Cup. 63 participants
represented TMLM in joining this exclusive event.

Organised by our Indonesia counterpart this time, the event
was held at the Grand Ballroom of Grand Hyatt Taipei. This
esteemed event was joined by 5 GCs – Tokio Marine Life
Malaysia (TMLM), TML Thailand, TML Singapore, TML
Indonesia and Edelweiss Tokio Life India. With representatives
from Tokio Marine Asia as well, there were 216 participants
gathering on this night to grace the joyful event.

For TMLM, we had 15 Country Top Achievers receiving
the prestigious awards in this international platform, which
comprised of Top 3 Agency Managers, Top 3 Unit Managers,
Top 6 Agents, and Top 3 Rookies.

Out of the 5 categories from the International Award, TMLM
had won 2 categories and they were:
1. Highest % Growth of AFYP (2018 vs SPLY)
2. Highest % Growth of Super Producer (2018 vs SPLY)

Congratulations to all our Country Top Achievers and the
members of TMLM!

10

11

2019 by Sivakumar Palanisamy
Indian Agency
Development The 2nd IAD Leaders Convention was held on 29-30
Leaders January 2019 at the 1st floor training room in Menara
Convention Tokio Marine Life. Thirty five Agency Managers and Unit
Managers attended the convention from Alor Setar to
Johore Baharu.

The objective of the event was to discuss the business
strategies to achieve the agencies, unit and the overall
goal of IAD for 2019. Mr. Liew Kim Wah (CAO), kick-
started the session with his inspiring opening speech. He
requested all the leaders to think big and achieve greater
heights with TMLM.

After the business review and training update, guest
speaker Mr. Karthik (Namlifa Speaker) spoke about
‘Increase Your Agency Productivity’. Agency Manager
Mr. S. Malaiyarasan was also one of the speakers for this
convention and he shared the method to create national
level qualifiers. AM Mr. Bharath & UM Mr. Vinoth shared
experience of Builders Club achievement in 2018.
Finally AM Mr. Bharath shared on the Agency Manager
promotion path to all the Unit Managers. The Convention
ended with a group discussion for 2019 strategy and with
the leaders taking the 2019 pledge.

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2019 AAP SEMINAR

MANDARIN SESSION

By Alan Ho
The 2019 AAP event started with the speaker session on the 1st day. Both Tamil & Mandarin
sessions were conducted on the same time with the same title, “Unlock your Full Potential”.
The Mandarin session was conducted by the well-known industry speaker, Mr Yau Kim Choy who
was the 2018 National Top 16 GAM, 12 years consecutive MDRT and several awards qualifier for
more than a decade. The speaker shared his personal experience on how he started his career in
life insurance industry and eventually gained him numerous awards and recognition. He stressed
that participants should have enthusiasm in the industry and increase productivity by making the
clients fully aware on the important of life insurance. The session was full attendance with mainly
Chinese agents benefitting the entire session.

2019 AAP SEMINAR

TAMIL SESSION

By Sivakumar Palanisamy
The Tamil session was conducted by a very well-known industry speaker, Mr.
S. Puspedivan who completed MDRT in 2 consecutive years. The speaker also
created record in his company by submitting 97 cases in 1 day.
The speaker stressed that participants increase their activities in order to increase
productivity. He also shared his secret of selling 97 cases in 1 day and how his
activities help him to achieve MDRT.
About 300 Indian agents attended and benefited the whole session.

13

2019 AAP
Agency Awards Presentation

Morning Session

by Lim Chui Ling The session continued with the presentation of the specially
designed photobook for the 2019 MDRT members. The first
The morning session 2019 Agency Awards Presentation Top of the Table (TOT) in Tokio Marine Life, Ms Saw Bee
was held in Genting International Showroom (GISR). Deputy Eng from the Penang branch made a special appearance to
Chief Executive Officer, Mr Yoshiaki Okabe, Chief Agency receive her photobook.
Officer, Mr Liew Kim Wah and the respective Regional
Managers, Mr Chong Kuet Nguan (East Malaysia Region), The ceremony continued with the presentation of Panerai
Mr Jeffrie Teh (New Growth Area), Mr Gary watches by Mr Yoshiaki Okabe and Mr Liew Kim Wah to the
Ching (Southern Region), Mr Deric Goh 2018 MDRT Aspirants Contest qualifiers.
(Northern Region) and Mr Eddie Tan (Central
Region) did the honors and gave away the CAO, Mr Liew Kim Wah then shared the 2019 first quarter
154 awards we had in store for our top sales performance update and launched the Danang & Hong
performers of the day. Kong Contest to the agency force. The morning session
awards presentation ended on a high note.
The session started with the grand march
in by the management team and achievers.
Deputy CEO, Mr Yoshiaki Okabe’s rousing
opening address set the tone for 2019 AAP
day awards presentation.

The first to take the centre stage were the
newly promoted Unit Managers of 2019. The
100 Application, Million Ringgit Club, Rising
Star, Star Agent, Star Unit and Star Agency
achievers were then recognized for their
outstanding achievements.

14

15

2019 Agency
Awards Presentation

Night Session

by Lim Chui Ling

Taking place once a year, the 2019 Agency Awards
Presentation (AAP) was held at Genting International
Convention Centre (GICC), AAP was the most prestigious
event of the year in Tokio Marine Life, welcoming more than
1000 guests yearly.

The AAP is a great example of hard work paying off. The
event was carefully planned to appreciate the marvellous
effort by the agency force. Apart from fun and interactive
foyer activities, the event also saw photo opportunities with
the LED display of large portrait of the Top Achievers.

The event started with the grand entrance of VIPs, Senior
Management Team and Million Dollar Agencies of Tokio
Marine Life led by CEO Mr Toi See Jong. Board of directors
Dato Jory Leong and Ms Chuah Sue Yin, CEO Mr Toi See
Jong, DCEO Mr Yoshiaki Okabe and CAO Mr Liew Kim Wah
to officiate the launch of the night event.

The stage was taken over by all the 46 top achievers by an
exciting catwalk session after an opening video presentation.
This grand welcome march was specially designed for the
top achievers of 2019 AAP. It was followed by the CEO who
welcomed the guests and congratulated the awardees on
their 2018 achievement.

16

The event culminated with the presentation of the Champion
of the Champion for Top Agent, Unit Manager and Agency
Manager, given annually to the high performer of Tokio
Marine Life. These awards are the highest honor given
to the life insurance company life advisor. Our 2018 top
achievers are Ms Saw Bee Eng - Double Champion of Top
Sales Agent & Rookie, Ms Cheng Kwee Lan - Champion for
Top Unit Manager who won the title for three consecutive
years, and Mr Malaiyarasan a/l Subramaniam - Champion
of Top Agency Manager. Congratulations to Mr Malai who
won the title for four consecutive years. A short video on the
life story of these champions were played during the night
for all to witness their success and glory. Both Champion
Unit Manager and Agency Manager ended their speech
with heartfelt speech that brought everyone to their feet in
outpouring emotions.

The celebration ended on a high note with the 2019 Lucky
Draw Bonanza Grand Draw – Toyota C-HR.

I t was truly a spectacular event not to be forgotten.

MISSION 5000!

17

2019 AGENCY TOUR

Venice15–22MAY2019 &

by Cynthia Chong

This year, we had a total of 100 participants taking off to two of the most iconic
cities of Italy – Venice & Milan. Well known as the “City of Water” and “City of
Fashion” respectively, each of these cities boasts its own uniqueness in their
heritage, architecture and culture.

All the activities and places of visit that we had planned for our participants
during the trip depict the culture and originality from the respective Regions
– We took the gondola ride in Venice; Visited the Parmesan Cheese Factory,
Balsamic Vinegar Factory and Ferrari Museum in Modena; Boat ride at Lake
Como showcasing the popular retreat place of the rich & famous; and the
rickshaw ride touring around the Milan City.

Our highlight for this trip was the Get-Together Dinner which was held at Just
Cavalli Milano – one of Milan’s Fine Dining Hotspot. This glamorous gourmet
restaurant and nightclub belongs to Roberto Cavalli, one of the famous Italian
designers. As per our yearly practice, we’d usually recognise all our New
Agents and First Time Tour Qualifiers who were present there. This year, we
had a special highlight recognising those Tour Qualifiers who had qualified
consecutively for 19 years. There were 9 of them whom we’re proud to
recognise. Congratulations to all of them, and we certainly hope that they’d
continue to qualify for more tours in the coming years!

18

Milan

Santorini
EXTENSION TOUR
21 May – 24 May 2019

by Cynthia Chong

After the Venice/Milan Main Tour, our extension tour qualifiers continued on
the journey to one of the most beautiful & picturesque islands off Greece
– Santorini.

In our itinerary, we ensured that our participants got the opportunity to
enjoy all the beautiful sceneries around the island. These places include
the Fira Town, Red Beach, Black Beach, and the highest point in Santorini
– known as Moni Profiti Ilia, to name a few.

Also, not to be missed was the Oia Town, a place that is famous for its
whitewashed buildings and blue domed churches, that were carved & built
into rugged clifftops. Being the most famous village in Santorini, this place
is indeed beautiful, particularly during sunset, like how it’s being featured
in postcards.

The main highlight of this tour was the activity where we had chartered a
boat solely for TMLM’s participants. This private boat brought us island
hopping along the caldera of Santorini. Islands that we had visited include
Thirasia and Nea Kameni – an attraction for volcano hiking and healing
hot spring, which some of our participants enjoyed very much. Another
good experience from this boat ride was that, we got to enjoy the view of
Santorini’s various towns from the sea. This 4 days tour had our participants
fully enjoyed a rather relaxing trip and the beauty of the island.

19

2019 AGENCY TOUR
BENCHMARK QUALIFIERS

ZAGREB &
BUDAPEST

AM GROUP CATEGORY
MALAIYARASAN S/O SUBRAMANIAM (BTTW)

JESSY CHEN AGENCY SDN BHD (KL)

AM / UM DIRECT UNIT CATEGORY
CHENG KWEE LAN (MLK)

VINOTH KUMAR A/L KUMARAN (SBN)

PERSONAL SALES CATEGORY
NG MAY LING (MLK)
LEE MOU YEN (MLK)

VANASUNDARI A/P GOVINDASAMY (BTTW)
TANG KOK WAI (KL)

JAYAKUMARI A/P GOPAL (BTTW)
TEOH SOO JIN (BTTW)
WONG KE LOONG (KB)
LING LIING HING (MIRI)


NEW AGENT CATEGORY
SAW BEE ENG (PEN)

KUMUTAH A/P TANGAVELOO (SBN)

*Results as at 30 June 2019, subject to persistency review and terms and conditions.

20

Central Region

EasRt eMgaiolanysia

TMCC Launching

Southern Region
Northern Region

New Growth Area

21

Newly Promoted

UNIT MANAGER
in January 2019

From Left: Mr Alan Tan Chun Keat, Ms Kayalvili A/P Malaiyarasan, Mr Vikhneesh A/L Subramaniam, Ms Lau Ai Ling,
Ms Siow Yin San, Deputy Chief Executive Officer Mr Yoshiaki Okabe, Ms Thilakamalar A/P Marimuthu,
Ms Rasatha A/P Raman, Mr Koo Gwo Shing And Ms Cheng Kay Siang

ALAN TAN CHUN KEAT (PEN)
CHENG KAY SIANG (JB)

KAYALVILI A/P MALAIYARASAN (KL)
KOO GWO SHING (KL)
LAU AI LING (JB)

RASATHA A/P RAMAN (JB)
SIOW YIN SAN (JB)

THILAKAMALAR A/P MARIMUTHU (JB)
VIKHNEESH A/L SUBRAMANIAM (BTTW)

2019 Promotion from Standard Agent to

SALES MANAGER

CH’NG CHEE SENG (PG)
KANNAN A/L SUPRAMANIUM (JB)
KUMARESAN A/L JEYRAMAN (KL)

SANDERA A/L RAMAN (JB)
SOO PEI SIANG (JB)
TAN JENG YIK (JB)
WEE WAI MING (PG)
WONG YI HONG (JB)

22

Recruitment

Highlights

T-Marine Corp

TMC SCHEME 2019
TMC scheme was started in 2017 with the main objective of developing agents into becoming capable Unit Managers
within three years. We are now eagerly expecting the first batch of Unit Managers in July, 2019.

As at time of writing, eight participants have already qualified for UM promotion scheduled on 1 July. Heartiest

congratulations to the following newly promoted Unit Managers:

No. Names Branch Direct Leaders

1 BALA MURUGAN A/L MUTHU JB VALAYUTHAM A/L PONNUSAMY

2 JULIAN GOH CHEN ZUI MLK YEOU PAYE WOEN

3 KHAW MAN GEE MLK LAM CHUI PENG

4 PANG SZE CHYI MLK LAM CHUI PENG

5 PHANG JIN PING KCH BONG LU FOON

6 SATHISKUMAR A/L MORTHY SBN VINOTH KUMAR A/L KUMARAN

7 TOH FONG MING MIRI FOO THEN HIN

8 YAP KOK HIN KCH CKL ASSOCIATE SDN BHD

Beginning from 2019, some new measures were introduced for T-Marine Corp (TMC) in 2019 to improve the
effectiveness of training and quality of participants. These included the revised 4D3N Residential Training, pre-entry
production requirement and streamlining of interviews for applicants.

Two of the four TMC sessions planned for year 2019 were conducted in the first half year:

TMC # Residential Training Dates Scheme Starts Participants No.
52
TMC 9 19 to 22, March, 2019 1 April, 2019 42

TMC 10 18 to 21, June, 2019 1 July, 2019

TM-Corp 9

TMC agents are breaking the NCB TM-Corp 10
achievement duration by the batches.
T. KUMUTAH (TMC7, Seremban, Direct
Leader: A. Visvanathan/AM) last held the
record with 19 days but YONG LIP CHUN
(TMC9, Kuching, Direct leader: Chan Kee
Chong/UM) successfully set a new record
when he completed the NCB production
on the 18th day of TMC commencement
date! Congratulations on the excellent
performance, Lip Chun!

23

Recruitment

Highlights

TMP 2019
T-Marine P.U.M.P

Another leadership development program, T-Marine P.U.M.P (TMP, where P.U.M.P. are abbreviations for Potential Unit
Managers Program) was introduced in year 2018. TMP differs from TMC in that it is open to agents who have done
personal sales for at least two years and aspire to be promoted to Unit Manager in the following year.

TMP trainings focus on guiding the participants on fulfilling the promotion requirements for Unit Manager. The
participants will therefore acquire necessary knowledge and skills on recruitment and passing the BAMC examination
in addition to doing enough personal production and persistency to meet the requirements by the end of the 12-month
program.

TMP 2018 completed with 10 participants successfully fulfilling the promotion requirements for Unit Manager. Nine
were promoted in 2019 and one opted for promotion in 2020.

2019 UM promotions from TMP program: Branch Direct Leaders
No. Names PEN TEH KEAT MEI
1 ALAN TAN CHUN KEAT JB LIEW SAI CHAN
2 CHENG KAY SIANG KL MALAIYARASAN S/O SUBRAMANIAM
3 KAYALVILI A/P MALAIYARASAN KL JESSY CHEN AGENCY SDN BHD
4 KOO GWO SHING JB KOH YOONG HOE
5 LAU AI LING SBN SUBRAMANIAM S/O KUPPUSAMY
6 RASATHA A/P RAMAN JB CHIN SHI HUI
7 SIOW YIN SAN JB RUMAYEE A/P K. MUTHUSAMY
8 THILAKAMALAR A/P MARIMUTHU BTTW POOVANESWARAN A/L THANGAVALU
9 VIKHNEESH A/L SUBRAMANIAM

TMP continued in 2019 with 22 participants enrolled into the scheme after a 3D2N residential training from 20 to 22
February in Nilai Springs.

With effective trainings, guidance and teamwork, we are certain that both TMC and TMP will provide the largest
number of newly promoted Unit Managers for Tokio Marine Life in year 2020!

24

Training

Highlights

LeadersMaster Class for

By Esther Wang

The company has successfully organized Masterclass for Leaders on 7-8
March 2019 at Nilai Springs Resort Hotel.

Total of 46 leaders attended this two days one night program which was
conducted by one of the highly sought after industry speakers, Chris
Chan. Some of the useful and practical ideas been shared in the session:
strategies, scripts and techniques to attract potential candidates, how to
enhance Recruitment Marketing Asset, strategies to manage manpower,
etc. The attendees were inspired and benefited from the session.

ICMF GLOBAL Ms Jessie Chen
LEARNING ALLIANCE 19th Time MDRT
(Qualifying Life Member with 4 times COT)
By Kenis Yan (Malaysia)

Tokio Marine Life Insurance Malaysia (TMTLM) was honoured to host the Global Spencer Qu
Learning Alliance on 24th April 2019 - an event advocates to connect the local Regional Director
governments of China with ASEAN insurance companies to promote China and 4th Time MDRT Member (Hong Kong)
ASEAN regional insurance and cultural exchange. There were over 60 representatives
from China and 45 representatives from TMLM Mega Agency JPower. The event was
graced by our Chief Agency Officer Mr. Liew Kim Wah, representatives from ICMF
Mr. Low and Malaysian Financial Planning Council Mr. Vincent Chong, distinguished
speakers Ms Shen Qing Hua, Ms Jessie Chen, Ms Spencer Qu & Mr Jackie Soo.

During the event, participants felt inspired & benefited from idea exchange. It elevated Mr Jackie Soo from Jessy Chen Agency
them to a new perspective in the insurance business. 3rd Time MDRT Member (Malaysia)

25

Training

Highlights

MDRT
AIMS

by Nasuha Bt Yunus
Advancement in Managing Sales (AIMS) is a platform for MDRT Aspirants to be coached &
mentored by experienced speakers to heighten their performance standards via enhanced
knowledge and skills.
The first session was held on 1st and 2nd April 2019 in Menara Tokio Marine Life Insurance
featured (4) distinguished speakers Ms Jenny Yeoh, Mr Lim Ren En, Mr Thiban & Ms June Ng.
This session allowed the participants to meet inspiring industry speakers and learned in-depth
knowledge, practical solution to advance in their business.
The second session was held on 2nd May 2019 in Genting Highlands. The special invited speaker
Mr Jong Thian Lung shared on “The Power Within You” focused on the growth mind-set to success.
It energized the attendees to the next level of success.

Ms Jenny Yeoh
(17-year MDRT Life Member, 6 times COT)
“Breakthrough Performance to Become MDRT”

Mr Thiban
(22-year MDRT Life Member, 6 times COT)

“Road to MDRT”

Mr Jong Thian Lung
(10-year MDRT, 2 times COT)
“The Power Within You”

26

Marketing Communication

Highlights

TOKIO MARINE CONTINUES WITH

ROADSHOWS

Tokio Marine Hokenbito were recently in Karak and Penang to
conduct Hokenbito roadshows.
Working with Yayasan Jantung Malaysia in Karak and Gleneagles Hospital in
Penang. Tokio Marine provided free health checks and life insurance consultation
to the public.
“Hokenbito” is a person engaged in the insurance business who has a sense of
social responsibility to protect customers no matter what it takes, with a sense
of professionalism. It is the standard of our life advisors’ professionalism in the
life insurance industry. Our aim is to promote a healthy living environment to the
society. Keep up the good work Hokenbito!

27

TM inTUNE CENTRAL REGION EAST MALAYSIA REGION
1. Klang - Free Health Screening on Women’s Day 6. Kuching - Customer Engagement Feng Tsui Talk
branch 2. Klang - Klang Branch Quarter 1 Recognition Night 7. Kuching - Insurance Trust Talk by Elsie Loo
updates... 3. Klang - 2019 Jan Recognition Lunch for Dec 2018 8. Kuching - MAR & iBig Sharing
9. Kuching - Pregnancy Myth by Dr Philip Kho
1 Champions 10. Miri - COP BY PEG
4. Seremban - A Sivanesvary 1 Star Agent 2018 Qualifier 11. Miri - D.I.S.C COP
12. Miri - Mr Malai & Kayal’s Sharing with Miri TMC
Prize presentation 13. Miri - TMC Emily Kong buy new car
5. Seremban - Kajang Pro Service Agency 2019 1st 14. Miri - TMC Gawai Celebration
15. Sibu - Health Talk
Quarter Review on 25-3-19

8 15

2 9 16

3 10 17

4 11 18

5 12 19

6 13 20

7 14 21

28

SOUTHERN REGION NORTHERN REGION 34 - 36. Northern Region - BOP (Tamil) at The Light Hotel
16. Johor Bahru - BOP 23. Butterworth & Penang - Mandarin BOP Seberang Jaya
17. Johor Bahru - CNY Celebration 24. Butterworth & Penang - MRT Training
18. Johor Bahru - iLady 38 International Day 25. Butterworth & Penang - Q1 push with CAO 37 - 38. Penang - Hokenbito at Paragon Penang
19. Melaka - 1st Quarter Top Producer Celebration Dinner 26. Butterworth & Penang - Yosakoi Parade Roadshow at
20. Melaka - 2019 Chinese New Year Celebration NEW GROWTH AREA
21. Melaka - Asia Family Mother’s Day Roadshow Esplanade, Penang 39. Kota Bharu - Leaders Meeting with Branch OIC
22. Melaka - Yoga BOP 27. Ipoh - ILady Sharing Day at Teluk Intan Anson Bay 40. Kota Bharu - Medical Center - Booth Selling
41. Kuantan - iLady Training Workshop
Hospital 42. Kuantan - Physio Health Talk
28 - 32. Ipoh - Celebration Party at MU Hotel
33. Northern Region - ACT90 at Tower Regency Hotel,

Ipoh.jpeg

22 29 36

23 30 37

24 31 38

25 32 39

26 33 40

27 34 41

28 35 42

29

1Case Study 20 year old male patient presented with fever,
myalgia, cough, sore throat, vomiting, and poor
32 year old female, presented with haemoptysis, oral intake for the past 2 days, vital sign stable,
cough and fever for the past 2 weeks, did not temperature on admission 39.4’c, initially seen
seek any prior consultation from any GP clinic, at the local GP clinic with suspected Dengue,
condition worsened hence sought treatment as lab test done noted raised TWBC, HcT, and
at Bangan Specialist hospital. Admission was low platelet, no warning sign indicated, hence
requested on 6.4.2019 for suspected pneumonia. patient referred to Tertiary hospital. Seen at
Hospital later, preliminary diagnosis was Septic
Full diagnostics and lab test was done. pharyngitis, however lab workup was done as
below:
*Upon checking patient has been TMLM policy holder since
12.5.2017. *Upon checking policy inception date is since 30.1.2018.

Lab test 2Case Study
● FBC- showed raised CRP >151( N:<5.0)
● Sputum C&S: heavy growth of throat Flora Lab test
● Sputum AFB: Negative ● Dengue NS1 Ag: positive
● Platlets:168( normal)
Diagnostic test ● HCT:31(n:44-54)- low
● ECG: normal with no ischemic changes ● Platelet: 132( N:150-450)- low
● CXR: suggestive of active lung infection ● RP: Normal

with mediastinal lymphadenopathies, clinical Final Diagnosis
correlation needed to exclude any PTB ► Diagnosis: Dengue fever
● CECT Thorax: right lower lobe consolidation ► Treatment Plan: Iv fluids with 4 hourly blood
at both lungs and bilateral pleural effusion
suggestive of pneumonia taking.
● To watch for fluid overload or haemorrhagic
► Diagnosis: Community acquired pneumonia
(CAP) sign

► Treatment Plan: Iv antibiotics, IV fluids, KIV Conclusion
bronchoscopy. To issue GL according to policy T&C

Conclusion
To cover case and issue Guarantee Letter
according to policy T&C

30

CLAIM 09 Is there any waiting period for dread disease benefit?
FAQ
Yes, commonly waiting period is 30 days to 60 days from the date of risk
01 How do I make a claim? commencement or date of reinstatement, whichever is later. As different
covered event applies different waiting period, please refer to the policy
You can download the claim form from Corporate Website or Customer contract for more details.
Portal. You must complete the form, including the part on bank information.
This section is important as we will pay the approved claim directly to your 10 Can I use a photocopy or certified true copy of the medical bill
bank account via e-payment. Once completed, you may submit the claim or receipt when I submit for medical reimbursement?
form(s), together with the necessary documents, to your agents or at any of
our TMLIM Customer Centres for processing. No, you must submit your original bill or receipt from the hospital for medical
reimbursement. If you are claiming for the balance which has not been paid
Also you can submit your claims via e-Claims, Customer Portal. by another insurer, original proof of settlement and original bills/receipts are
required to be submitted to Tokio Marine Life for balance payment.
02 How to enquire if I wish to check the claim status or further
clarify any doubts in claim decision? 11 What is pre-hospitalisation?

You may check the status of your claim via the following options: Pre-hospitalisation refers to the expenses incurred at the clinic/hospital prior
• Contact Customer Service at 03-20596188. to your admission to the hospital.
• Contact the claim submission branch or any TMLIM branch nationwide.
E.g. you consulted your nearby clinic for fever and your doctor referred you to
Claim submission branch refers to the branch where the claim documents be admitted to the hospital for dengue fever. In this scenario, you may claim
were submitted. for the clinic consultation payment under pre-hospitalisation.
• Send an email to [email protected].
Important note: Eligibility of the claim would be subjected to your policy terms
03 What happens after the claim is submitted? and conditions.

Once a claim has been submitted to us, we will assess it based on the terms 12 What is post-hospitalisation?
and conditions of the policy.
Post-hospitalisation refers to the expenses incurred at the specialist clinic/
04 How long does it takes for the Company to process a claim? hospital after your admission and subsequent discharge from the hospital.

The time taken will depend on the complete-ness of the documentation E.g. after your discharge from the hospital, you go for a follow-up with your
received. The estimated timeframe to process a claim is within 10 – 14 doctor. In this scenario, the payment for the follow-up will be part of the post-
working days upon receiving the complete claim documents. hospitalisation expenses.

05 Where can I obtain the claim requirement letter? Important note: Eligibility of the claim would be subjected to your policy terms
and conditions.
Once a claim notification has been submitted to us, we will assess it and
determine if there are further documents needed. We will then notify you Tip: if your follow-up is with a different doctor, please ask the doctor to indicate
in writing and send the claim requirement letter. You can also obtain the on the receipt the diagnosis and the type of treatment endorsed by the doctor.
requirement letter via Customer Portal.
13 Can I file a claim for overseas treatment?
Please note that the Document Checklist serves as a reference. We reserve
the right to request for other documents and information. Yes, you may file a claim for reimbursement consideration, subject to policy’s
terms and conditions. Please note that:
06 Who can certify claims documents?
• Cost of treatment is payable based on general level of charges in Malaysia.
• Agency Manager or Unit Manager or Sales Manager • Cost of transport to the place of treatment is excluded.
• TMLIM Branch Officers • No benefit shall be payable should you reside or travel outside Malaysia
• TMLIM Business Development Executive/Manager for more than ninety (90) consecutive days from the day you leave Malaysia.
• Advocates and Solicitors
• Commissioner of Oath 14 Is police report necessary for accident claims?
• Police
• Government staff (Division one) Yes, depending on the nature of the accident i.e. Motor Vehicle Accident
• Lawyer (MVA).

07What is a contestable period? For assault/robbery case, police report is mandatory.

The time limit during which an insurer may contest or challenge the validity 15 Do I need to submit the medical report for the subsequent
of the policy due to fraud, suppression of material facts or misrepresentation instalment of the Deferred Total and Permanent disability
in the application. (DTPD) claim?

08 What is a suicide clause? Yes. The medical report on Insured’s current medical condition is necessary
to prove continuity of disability. In the event that the covered person ceases
This clause stipulates that no claim is payable in the event of death due to to be totally and permanently disabled, the Company shall discontinue any
suicide, whether sane or insane, within one year from inception of policy or further installment payments.
from date of any reinstatement.
16 What additional documents are required if the life insured,
passed away overseas?

We will need a letter from the National Registration Department of Malaysia
confirming the death. We will also need the certified copy of the death
certificate issued by the country where the Life Assured had passed away.

17 Why does the insurance company request for a ‘Letter of
Administration’ from the claimant?

Where a policy owner dies without having made a nomination, the Grant of
Probate or Letter of Administration or Distribution Order will be required to
distribute the policy moneys accordingly.

18 If I am dissatisfied with claim decision, can I submit an appeal?

If there are dissatisfactions with the claim decision, you may write in your
appeal along with the relevant supporting documents for us to reassess and
review the claim.

31

oneTokio Download & Install it!

PILOT RUN FOR IOS USER: FOR ANDROID USER:

oneTokio is a single If you are not able to scan this QR code, you may
login mobile application search “oneTokio” on the App Store (for iOS) or
Google Play (for Android). For more details, you
that encompasses may refer to circular no. AGT/043/2019. We are
functionalities where it
leverages on Customer waiting for your FEEDBACK !

Portal (“e-Services”)
secured platform.

Launching of TokioMarine

iLady & iBaby Rider

+ 2 policies for Yo3u can sell
HER baby up to
LICIES
PO

PROPOSAL 1 PROPOSAL 2 PROPOSAL 3

TokioMarine-iLady TokioMarine-iLifeSecure 2 + Welcome Gift – An
iHealth+ at Pre-Birth Stage education plan for
–––––––––––––––––––– HER baby
–––––––––––––––––––––––––––––––
● Protection on female illness, –––––––––––––––––––––
female medical, female Why Pre-Birth Medical Card?
reconstructive, pregnancy To have continuous protection on the child as 1st annual premium up to
for HER. we could not foresee any unfortunate events
RM 3,500 to purchase a new
● Outpatient Psychiatric Visit Terms and Conditions apply.
● Biennial Medical Screening education plan for HER little one.

New Investment-Linked Plan

Guideline Update

(effective 1st July 2019 onwards)

Minimum Allocation Rate Full Term Sustainability
(MAR)
At the point of sales, premiums for investment-
32 linked plans are required to project to the full

sustainability of the coverage term.

CLAIMS TPD Claim

Statistic Total Permanent Disability Number of Contract Claim Amount (RM)

INSURANCE Female 1 100,000
31-40 1 50,000
41-50
Male 1 50,000
21-30 1 60,000
31-40 3 315,000
41-50 1 15,000
51-60 1 12,000
61-70 9 602,000

Grand Total

INSURANCE CARD * The statistics above is based on claims reported during 1 Jan 2019 - 30 June 2019
N1MA2O3MNT4HE5/YS6EAU7R 8RN0A0/0M0 E

CI Claim Death Claim Medical Claim At A Glance

By Gender, Age Band & Claim Description By Gender, Age Band & Claim Description 11.9%

Claim Description No. of Claim Amount Claim Description No. of Claim Amount 17.4%

Female Contract (RM) Female Contract (RM) 5.5%
1-10 11-20
Accident 1 100,325 7.9%
Other 2 90,000 21-30 1 22,396 10.9%
21-30 Accident 1 11,339
Other Diseases 1 20,000 8.1%
Cancer 2 40,000 Other 1 29,183
31-40 31-40 2 38,188
Cancer 5 218,089 10.8%
Coronary Heart Disease 2 35,000
Cancer 2 40,000 Other Diseases 9.0%
Other 2 40,768
End Stage Kidney Failure 1 20,000 41-50 2 557,015 9.1% 9.4%
Cancer 14 771,242
Encephalitis 1 50,000 Coronary Heart Disease 1 137,245 Injury, poisoning and certain other consequences of external causes
Other Diseases Diseases of the digestive system
Other 3 332,397 Other 14 444,357 Neoplasms
41-50 51-60 6 155,964 Diseases of the circulatory system
Cancer Diseases of the respiratory system
Benign Brain Tumor 1 20,000 Coronary Heart Disease 16 797,463 Diseases of the musculoskeletal system and connective tissue
Other Diseases 3 50,100 Certain infectious and parasitic diseases
Cancer 6 340,000 Other Diseases of the genitourinary system
61-70 1 8,538 Symptoms, signs and abnormal clinical and laboratory findings, not
Coma 1 30,000 Accident 6 284,058 elsewhere classified
Cancer 2 31,698 Others
Heart Attack 1 30,000 Coronary Heart Disease 18 574,648
Other Diseases 1 10,000
Other 2 184,000 Other
51-60 71-80 3 91,088
Cancer 16 453,992
Cancer 8 257,000 Other Diseases
81-90 2 55,401
Heart Attack 1 10,000 Cancer 7 316,985
Other Diseases 128 5,255,082
61-70 Medical Claim Claim %
Total (Female) Diagnosis Amount (RM)
Cancer 2 25,000
Injury, poisoning
Other 1 69,164 and certain other
consequences of
Total (Female) 34 1,537,561 external causes 9,689,679 17.4%
Diseases of the
Male Male 1 24,618 digestive system
21-30 1-10 3 114,343 Neoplasms
Other Diseases 1 20,000 Diseases of the
Other 1 60,000 11-20 4 1,131,411 circulatory system 6,091,675 10.9%
Accident 3 123,761 Diseases of the 6,013,668 10.8%
31-40 Other 7 657,997 respiratory system 5,268,962
21-30 1 100,000 Diseases of the 9.4%
Cancer 4 150,000 Accident 2 96,482 musculoskeletal
Coronary Heart Disease 9 913,325 system and
Heart Attack 1 10,000 Other Diseases 5 148,841 connective tissue
Other 3 50,000 Certain infectious
Serious Coronary Artery 1 30,000 31-40 1 129,870 and parasitic 5,071,172 9.1%
Disease Accident 2 36,591 diseases
Coronary Heart Disease 2 54,289 Diseases of the
Other 1 30,000 Other Diseases 10 328,748 genitourinary
Other 1 437,301 system
41-50 41-50 3 40,000 Symptoms, signs 5,000,004 9.0%
Accident 5 166,707 and abnormal
Cancer 2 50,000 Cancer 5 165,424 clinical and
Coronary Heart Disease 6 437,588 laboratory findings,
Heart Attack 2 50,000 Other Diseases 36 2,712,073 not elsewhere
Coronary Artery Disease 4 140,000 classified
Serious Coronary Artery 2 130,000 Other 1 11,430 Others 4,540,581 8.1%
Disease 51-60 3 44,133 TOTAL 4,413,594 7.9%
Accident 3 144,697
Other 5 352,325 Cancer 37 2,134,699
Coronary Heart Disease 3 253,295
51-60 Other Diseases 1 13,813
Other 5 260,048
Cancer 4 90,000 61-70 5 113,384
Accident 17 891,279
Heart Attack 2 60,000 Cancer 4 141,565
Coronary Heart Disease 193 12,037,716
Serious Coronary Artery 4 96,024 Other Diseases 3,086,773 5.5%
Disease Other
71-80 6,619,786 11.9%
Other 2 160,000 Accident 55,795,895 100.0%
Cancer
Total (Male) 31 1,268,349 Coronary Heart Disease
Other Diseases
Grand Total 65 2,805,910 81-90
Other Diseases
* The statistics above is based on claims reported during Total (Male) * The statistics above is based on claims notified as at
1 Jan 2019 - 30 June 2019 30 June 2019

Grand Total 321 17,292,798 Gender No of Case Claims Amount

* The statistics above is based on claims reported during Male 6,713 32,334,602
1 Jan 2019 - 30 June 2019 Female 5,564 23,461,293
Total 12,277 55,795,895

33

2019 AGENCY TOUR

ZAGREB & BUDAPEST

Contest Period: 1 Oct 2018 – 30 Sept 2019

Zagreb and Budapest are old cities with young soul that have a lot to offer

2019 TOKIO MARINE

CHALLENGE CUP

Contest Period: 2 Jul – 3 Sept 2019

Shenzhen, China a modern metropolis that links Hong Kong to mainland China offering a
vast variation of shoppings and culinaries

2020 AAPShootout!

Save the Date for the

2020 AAP Photo Shooting &
2020 MDRT Photo & Video Shooting

13 – 19 Jan 2020

Note: Agency Planning will arrange the Photo Shooting Schedule once the final results are out in January 2020

2020 Shootout! Specially for 2020 Top Achievers and MDRT achievers.