Daruma 11 March 2022 Issue

DRAU 11
MA
FOCUSED ON
ACHIEVING
OUR GOAL

AGENCY NEWSLETTER
NO. 11 JUL – DEC 2021
MARCH 2022

FOR INTERNAL CIRCULATION ONLY

AGENT’S SPOTLIGHT P.03 CONTENT & ART EDITOR

P.06 - P.07 Message from the CEO Agency Planning & Support
Lim Chui Ling
2021 Main Tour - Croatia Qualifiers P.04
as at 31 December 2021 CONTRIBUTORS
Message from the DCEO
EVENTS Agency Planning & Support
P.05 Chee Poh On
P.18 - P.19 Cynthia Chong (Write-Ups Editor)
Message from the CAO
2020 AGENCY AWARDS Agency Business Strategy
PRESENTATION P.08 Eugene Choy

- Virtual Ceremony 2022 Agency Promotion Agency Business Development

MDRT MISSION 100 P.10 - P.11 TMTDA

P.09 2022 Million Dollar Round Table Qualifiers Corporate Communications &
Advertising
2022 MDRT Tokyo Challenge RECRUITMENT
HIGHLIGHTS Operations
2022 COT COVER STORY Soh Pei Ling
- MY JOURNEY TO COT P.20
Proposition & Pricing
P.14 - P.15 T-Marine Corp Updates Ng Kheng Siang

Vanasundari P.21 Actuarial Department
A/P Govindasamy Yap Tze Juung
TMC Promotion to UM & AUM Low Ruo Xuan
P.16 - P.17
TRAINING HIGHLIGHTS
Ng May Ling
P.22 - P.23

2022 TMTDA Initiatives

P.24

Learning is Earnings

PRODUCT HIGHLIGHTS

P.25

TM360
Medical Conversion Campaign

P.26

Great Achievement on TokioMarine-
Guaranteed Income Plus

P.27

Tokio Marine “Look Beyond Profit”

P.28 - P.29

Operation Updates

STATISTIC

P.30

Top 3 Claims
by Claim Amount and Cases

P.31

Claims

MESSAGE BY CEO

TOKIO MARINE LIFE INSURANCE MALAYSIA BHD.

TOI
SEE JONG

Dear In line with TMLM’s approach towards becoming a “100%
Agency Members, paperless insurer”, we also continued our paperless journey
with some new initiatives.Among them are enabling customers
It’s finally a brand new year! As we usher in the year 2022, on to enrol for autodebit on their policy through eMandate
behalf of Tokio Marine Life Insurance Malaysia Bhd. (TMLM), on T-Marine Pro 2.0 instead of submitting paper forms. In
I would like to say thank you for being with us throughout addition, there is now an e-Claims submission function in
2021. I hope that you and your loved ones are still staying the Agency Portal, allowing Agents to submit e-claims on
healthy and safe, and are geared up for a greater 2022 for behalf of customers. We have also stopped issuing physical
us all. policy contracts, shifting to 100% e-Policy that are instantly
received via email or SMS upon policy issuance.
How We Fared in 2021
Lastly, we also have the JomVaccine Campaign – an
There’s no denying 2021 was yet another challenging year, initiative of free COVID-19 vaccination coverage for both
but I am pleased to share we have managed to exceed the TMLM and non-TMLM customers – that aims to generate
company’s 2021 KPIs, despite being slightly below target for new leads for the agency and ultimately convert them into
Agency. For the full year of 2021, we have also maintained new customers.
our 7th rank in the industry with a 3.1% market share.
Let’s Accelerate to a
Enhancing Our Digitalisation Journey BIGGER, BETTER and BOLDER 2022

The year 2021 also saw us further refining our digitalisation Together with these initiatives, each of you have gone the
initiatives. We continued enhancing our Customer Portal extra mile to help our customers in various aspects, and we
and oneTokio to further improve customer experience. are thankful for all of your efforts. We will also be kicking
oneTokio now has a new mobile-friendly user interface, along off a number of new initiatives this year, including further
with additional new features such as the Live Chat function, enhancements to oneTokio and T-Marine Pro 2.0, creating
enabling customers to now get in touch with us via Live Chat more customer engagement-oriented activities, unveiling
at our customer portal, and the Panel Clinic function, which exciting product updates, and a Million Dollar Round Table
allows potential customers or agents to find the nearest panel (MDRT) Green Lane especially for our MDRTs, where we
clinic. Let’s not forget that oneTokio also allows customers will have two dedicated ambassadors providing dedicated
to have easy access to policy information and documents, services in Underwriting, Policy Servicing and Claims via
enabling them to carry out basic policy maintenance and Whatsapp or email.
updates from the comforts of their home.
For this year 2022, I hope the Agency will continue to strive
to be BIGGER, BETTER, BOLDER, to drive the channel’s
productivity with quality and passionate new recruits, plus
consistent activity. Let’s aim high and look towards achieving
a 100 Million Dollar Round Table qualifiers this year! I hope
you will also always remember to uphold our ‘Good Company’
values, and stand committed to always be available to our
customers to keep them and our community protected.

While we strive to give our best, please continue to take
precautions and practice social distancing. May 2022 bring
you and your family an abundance of health, prosperity, and
happiness.

3

MESSAGE BY DCEO

TOKIO MARINE LIFE INSURANCE MALAYSIA BHD.

YOSHIAKI
OKABE

岡部 養明

春爛漫 i.e. MDRT is not only limited to super stars, but it is also for
those who aspire and wish to be part of the International
Blooming Spring recognition.
Greetings to you!
We had successfully increased the number of MDRTs to 55
Spring is an exciting season in Japan with beautiful Sakura in 2021, including 2 COTs, which was a great achievement.
(cherry blossoms) blooming for just 1 week in late March We believe our Agency Force can Do Better. We had 16 first
and then they will quickly turn to green leaves in mid-April. time MDRT qualifiers in 2021, while 20 MDRT qualifiers in
Also, in Japan, both school and financial year begin in April. 2020 could not continue to be qualified in 2021. Consistency
This makes Spring in Japan always filled with activities and is important and we would like to support our agents to have
liveliness. a good habit and continue to be qualified for MDRT for many
more years.
Ohanami (花見) or ‘cherry blossom viewing’ is one of the
most fun events during this season in Japan. It’s like a big We have 297 agents, who had qualified for MDRT at least
Spring Party where friends and families gather in parks under once in the past years. If all these past MDRT qualifiers
the Sakura trees and enjoy the bonding sessions together, continue their efforts through the years, topped up with
with food and drinks. MDRT Aspirant agents who wish to achieve their very 1st
MDRT qualification, then our target of 100 MDRTs will be
Such Ohanami event could not be conducted easily in the achievable. It is possible!
past 2 years due to the pandemic, but we are now feeling
much more positive as we could already see the light at In support to this mission, TMLM has launched the
the end of the tunnel. We had survived the very difficult 2 “2022 MDRT TOKYO CHALLENGE”.
years and I believe 2022 is the year to change and grow for
everyone. We plan to invite our qualifiers to the Global HQ, Tokio Marine
Holdings, to have an educational program on the culture/
One of the Company’s most important initiatives in 2022 philosophy of Tokio Marine Group. We will also arrange for an
is to support the 100 MDRTs mission and to encourage interaction meeting with top MDRTs in Japan, for experience
more Aspirant agents to qualify for MDRT. MDRT is an sharing and networking. The objective is to encourage all the
International recognition and being an MDRT member would Agency Force to aim for MDRT achievement as a benchmark
be considered as a world class life insurance professional. In to be a professional life advisor, and to support agents to Aim
2022, we would like to enhance the MDRT culture in TMLM, BIGGER and Act BOLDER.

TMLM will continue to enhance more initiatives to develop
the professionalism of our agents, in order for the Agency
Force and TMLM to grow successfully together.

After 2 years being with the pandemic, we have certainly
recalibrated our lives and found ways to improve our
performances, agile with our theme “BIGGER.BETTER.
BOLDER”.

Last but not least, I promise that TMLM will continue to do
whatever we can to grow together with the Agency Force.
Let’s move forward together and continue “To be a Good
Company” for the society!

4

MESSAGE BY CAO

TOKIO MARINE LIFE INSURANCE MALAYSIA BHD.

LIEW
KIM WAH

Ms. Ng May Ling respectively. Congratulations on your great
accomplishments! And not forgetting the 53 MDRTs, well
done!

In just a blink of an eye, And to our 32 Million Dollar Agencies, congratulations on
another year has flown by! your achievement and your continuous belief that the ‘Million
Dollar’ benchmark is what you’ve always strived to achieve.
Despite all the challenges faced in 2021, I would like to take Please join me in extending our heartiest congratulations to all
this opportunity to thank my Agency members for your tireless our outstanding performers and I trust that their achievements
efforts, continued trust and support given to the Company. will provide great encouragement to the Agency Force to
brave through year 2022.
In 2021, we achieved RM109 million APE in production
which had recorded a growth of 3% over 2020. However, Every beginning of the year has always been a time for
our manpower decreased from 5,005 to 4,582 versus same reflecting back on the past, and more importantly, looking
period last year as we had only welcomed 1,000 new agents forward to the coming year. As we start the year, it is important
on board compared to 1,197 new agents in 2020. This was for us to have a clear mind and are ready for the coming
in line with the Company’s direction to focus on improving challenges. Our main goals for Agency in 2022 are to achieve
Agency’s productivity instead of increasing the number of 100 MDRTs and to increase the number of productive agents.
agents with low productivity. A high-performance agency/team requires a combination of
three components –
Here, I’d also like to take this opportunity to proudly
acknowledge some of the Agency’s key achievers in 2021! Structure/System • Skillset • Mindset
First of all, I am pleased to inform that Mr S. Malaiyarasan,
founder of Asia Ace Agency Sdn Bhd, had achieved the Structure/ To develop a structure/system within the
Grand Mega Agency status again, for the 2nd time, with a System agency/team that best fits for the business,
total production of AFYP10.9 Mil. This was also their highest the agency and its members.
production record accomplished in 2021. While the year was Skillset
challenging, Mr S. Malaiyarasan continued to believe in his To identify, develop and train high-spirited
vision and mission in wanting to achieve great successes, Mindset members with specific skillset within the
hence this proud achievement! Congratulations and well team, so that they’re competent in achieving
done to the Aces! their goals and successes.

Mr. Mason Cha, founder of EPTS Mansion Sdn Bhd, has To develop the right mindset among the
been achieving his Mega Agency title for the 6th time, and agency/team members is important in order
Ms. Cheng Kwee Lan, achieving her Mega Unit title for to cultivate the right behavior.
6 consecutive years. Congratulations to our both Mega
Qualifiers and your consistencies over the years! Great job! I believe with these three components in placed, our goals
will be achievable!
On Recruitment, congratulations to our 2 Grand Agency
Builders achievers, Mr M. Gobinath and Mr K. Vinoth Kumar. Also, one of the important lessons that the pandemic has
I certainly hope to see more leaders continue to believe taught us is the importance of having insurance and savings.
in quality recruitment in order for them to build a strong Unexpected events such as loss of income and medical
foundation that could help in their agencies’ growth. emergencies can happen at any time, anywhere. As such,
may our Agency Force continue to be the best and trusted
Another proud moment to highlight, this is the first time Tokio advisors that their families and clients can have and depend
Marine Life welcomes our 2 COTs, Ms. G. Vanasundari and on, during this difficult time.

I sincerely wish all my Agency members a great 2022.
May this Tiger year be a year where you are unstoppable
in achieving your goals and successes and in thriving, no
matter what the year brings.

Let us work together for Mission 100 MDRTs!

Take care & stay safe! Thank you!

5

AGENT’S SPOTLIGHT

2021 MAIN TOUR

CROATIA
QUALIFIERS
as at 31 December 2021

**Result as at 31 December 2021, subject to persistency review and terms and conditions

AM GROUP CATEGORY AM/UM DIRECT UNIT

AFYP AND RECRUITMENT (1 TICKET) AFYP AND RECRUITMENT (1 TICKET)
ASIA ACE AGENCY SDN BHD (BTTW) CHENG KWEE LAN (MLK)
BARKAWI RAMULU A/P RAMULU (KL) GOBINATH A/L MARIYAPPAN (PEN)
CHEOW NAM FEE (JB) MUHAMMAD SHAHRIZUL MUNIR BIN MOHAMED NASIR (PEN)
DHARMALINGAM A/L SELLAPPEN (KL) NEXUS STARS AGENCY SDN. BHD. (JB)
JP GOLDSTONE ADVISORY SDN. BHD. (MIRI) NITHIYANANTHAN A/L ARUMUGAM (SBN)
LEE LAI HIM (MLK) SATHIS KUMAR A/L PERUMAL (KL)
POOVANESWARAN A/L THANGAVALU (BTTW) UTHAYARAAJ A/L SELVARAJ (SBN)
TAN KOK WAN (KCH) VANASUNDARI A/P GOVINDASAMY (BTTW)
VINOTH KUMAR A/L KUMARAN (SBN)
VISVANATHAN A/L ANGAMUTHU (SBN) AM/UM DIRECT UNIT

AM GROUP CATEGORY RECRUITMENT (1 TICKET)
ANG BOON SHI (JB)
RECRUITMENT (1 TICKET) CHENG KWEE LAN (MLK)
ASIA ACE AGENCY SDN BHD (BTTW) GOBINATH A/L MARIYAPPAN (PEN)
BARKAWI RAMULU A/P RAMULU (KL) GOVENDRAN A/L PALANIAPAN (SBN)
VINOTH KUMAR A/L KUMARAN (SBN) SATHIS KUMAR A/L PERUMAL (KL)
THANALETCHUMY A/P GANESAN (SBN)

6

C R O AT I A QUALIFIERS 2021 MAIN TOUR PERSONAL SALES CATEGORY

PERSONAL SALES CATEGORY AFYP (2 TICKETS)
NG MAY LING (MLK)
AFYP AND RECRUITMENT (2 TICKETS)
LEE MOU YEN (MLK)
PERSONAL SALES CATEGORY
PERSONAL SALES CATEGORY
AFYP (1 TICKET)
AFYP AND RECRUITMENT (1 TICKET) YEO SEOW MEI (KUA)
CHAI FOOK ONN (MIRI) LEE TAI LEE (MIRI)
CHAI LAN YEN (MLK) CH’NG CHEE SENG (PEN)
CHEAH GUAT PENG (PEN) SHAMINEE A/P BALAKRISHNAN (SBN)
CHIN SHI HUI (JB)
CHUNG SIEW YIAN (MIRI)
CORENE GOON SWEE FONG (PEN) PERSONAL SALES CATEGORY
HII MING TING (KK)
JAYA KUMARI A/P GOPAL (BTTW) RECRUITMENT (2 TICKETS)
JONG SUK MOI (KCH) PAVITRAN A/L TAMIL SELVAN (BTTW)
KASTHURI A/P SUPPIAH (KLG)
KUEH SIEW KIAW (KCH)
KUMARESAN A/L THATCHANAMURTHI (AS) PERSONAL SALES CATEGORY
LAU AI LING (JB)
LAU YEK HUAT (SBU) RECRUITMENT (1 TICKET)
LEONG PEI SIM (KL) CHITRA A/P KARUNANITHI (SBN)
LIM SEE CHEK (JB) DARSHINI A/P GOBINATHAN (JB)
LOO LQI KIM (KL) KUMARESAN A/L THATCHANAMURTHI (AS)
MAGALA SRI A/P KRISHNAN (BTTW) LEE MOU YEN (MLK)
MAGESWARI A/P GANASAN (BTTW) PARAMESWARAN A/L UVARAJAN (SBN)
OPTIMUM LIFE PLANNERS ADVISORY SDN. BHD. (KL) PUNITHA MALAR A/P PALANIANDY (SBN)
PUTERI NUR FARHANAH BINTI, OSMAN (PEN) THEEBA A/P KERNASAMY (PEN)
PUVANESWARY A/P SUBRAMANIAM (KLG)
RASATHA A/P RAMAN (JB) NEW AGENT CATEGORY
SIOW YIN SAN (JB)
SUMATHI A/P SELLATHURAI (SBN) AFYP AND RECRUITMENT (1 TICKET)
TAN KOK WAN (KCH) LEE SIEW HON (KL)
TAN TOO KHOI (JB) LEE SIEW SEAN (IPH)
TEOH SOO JIN (BTTW) LOO FEI SAN (KCH)
VANASUNDARI A/P GOVINDASAMY (BTTW) NG SOOK TING (KCH)
WONG CHIA YEE (MLK) PHUNG TING MUN (MIRI)
WONG KING KIEW (MIRI) SUEN KAR SHIAN (KL)
WONG SIEW POH (SBU)

NEW AGENT CATEGORY

AFYP (1 TICKET)
SUEN KAR SHIAN (KL)


NEW AGENT CATEGORY

RECRUITMENT (1 TICKET)
DEVANDRAN A/L KUMARAN (SBN)

7

SARAVANAN ANG BOON SHI CHAN KEE CHONG GOBINATH
A/L VARATHARAJOO A/L MARIYAPPAN
JOHOR BAHRU KUCHING
BUTTERWORTH PENANG

DINESH A/L MAGALA SRI CHIONG YUN SHEN DARSHINI TAN CHANG SIEW
BALASUBRAMANIAM A/P KRISHNAN A/P GOBINATHAN
JOHOR BAHRU JOHOR BAHRU
BUTTERWORTH BUTTERWORTH JOHOR BAHRU

TAN JENG YIK RATNAAH SUGANTHY CHITRA NALINY
A/P PACHIAPAN A/P SHGER A/P KARUNANITHI A/P VAMATHAYAN
JOHOR BAHRU
KLANG KLANG SEREMBAN SEREMBAN

PARAMESWARAN PUNITHA MALAR THINESHRAAJ VIKNESON
A/L UVARAJAN A/P PALANIANDY A/L SELVARAJ A/L GANESON

SEREMBAN SEREMBAN SEREMBAN SEREMBAN

PREMA A/P RASAKANNU (IPOH) FOO XIN WEN (MIRI)
CHONG YEW CHIAN (JOHOR BAHRU) PREMLA A/P GOVINDASAMY (PENANG)
AMUTHA A/P RAMULU (KUALA LUMPUR) THEEBA A/P KERNASAMY (PENANG)
CHOONG GUAN YEE (KUALA LUMPUR) SUMATHI A/P SELLATHURAI (SEREMBAN)
TAY FIE YI (KUCHING)

8

Check your Premier Travel Bucket List with TOKIO MARINE LIFE

TOKYO2022 MDRT
CHALLENGE!

Wine & Dine at the SHooatkSipnrsiindges Onsen
finest foodie alley

EtHodouTlcodakintiiogonMHaQal rTionuer Business Class Travelling

*Pictures shown are for illustration purposes only Single Room Entitlement Spouse Invitation

CONTEST PERIOD: 1 JANUARY – 31 MARCH 2022 9

2022 MDRT

QUALIFIERS

2022 COT 2022 COT

12th 9th

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QUALIFYING LIFE MEMBERS

18th 18th 16th MDRT
Time CCLHYAAIgeLnAcyN
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E & O.E. **Subject to terms and conditions

10

2022 MDRT

QUALIFIERS

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11
CNF

E & O.E. **Subject to terms and conditions

2022 MDRT

QUALIFIERS

3MDrdRTTiQmuealifier

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E & O.E. **Subject to terms and conditions

12

2022 MDRT

QUALIFIERS

1MDstRTTimQeualifier

AAcNtiGonE.LDIrNivEenW. GErEoupXIN YUN CPrHogAreNssKivEe GEroCuHp OAgNenGcy CAsHiaAENxcNelYleUntT LIAN CJSPdHnGOBoNlhddGstoSneEAIKdviMsoOryI

KKCARSiTskHMUaRnaIgAem/PenSt UPPIAH KTSSUHMMAaTAnCiRaHmEASAAgNeNAncMyAU/LRTHI LAU SYiaEtKMuHi UAgAeTncy LMEAOXXNGGroPuEp EI PSTISM

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LIWOCOAFdvEisIorSsASNdn Bhd MAAs/APiaGKAAcReLIAASgHeSnNRcyAI SNdn Bhd MAAs/APiaGGAEcAeSNAWgAAeSnRcAyINSdn Bhd PBAUnINgTkTEasIRaOIPrNSinMUciRAplNeFARHANAH

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E & O.E. **Subject to terms and conditions

13

AGENT’S SPOTLIGHT

Journey to

COT

Vanasundari
A/P Govindasamy
Asia Ace Agency Sdn Bhd

14

do the My lifestyle has changed and I believe it will continue to
RIGHT THING be better with my strong determination and persistence
at the RIGHT TIME, in wanting to achieve COTs continuously. Besides the
you CAN ACHIEVE recognition and fame, financial independence is also among
your dreams the few motivating factors that kept me wanting to achieve
this prestigious accolade.
I was born and raised in a large family with eleven siblings.
I was initially contented with earning a monthly salary of Apart from focusing on my personal sales, I’ve also prepared
RM1,500 until I met my mentor and Agency Manager, Mr myself for the leadership promotion and participated in the
S. Malaiyarasan, who literally changed my life. It had a big Company’s TMP Program. With my leader’s support and
change when I joined Tokio Marine Life (TMLM) in 2009, after encouragement, he was confident that my years of invaluable
Mr S. Malaiyarasan continuously persuaded and motivated experiences in personal sales and consistently being an
me, and never gave up on me. MDRT qualifier, and topped up with Asia Ace Agency’s culture,
I would be able to recruit and develop productive agents in
I was just an ordinary agent with normal performances during my own Unit, particularly producing more MDRT members. In
my initial years until I decided to work harder and achieved 2020, I was promoted to Unit Manager and achieved the Top
the Top Agent Award back in 2013. Ever since then, there 5 Unit Managers Nationwide award in year 2021.
was no turning back and I consistently qualified for Main
Tours and Company’s Contests, and I’ve maintained the title I would say that life is full of surprises and unexpected
as Top Five Agents Nationwide for 12 years now. circumstances, but if you do the RIGHT THING at the RIGHT
TIME, you CAN ACHIEVE your dreams. The current pandemic
I remember the excitements and confidence I had obtained may not be an obstacle that is stopping us from achieving
after each time I accomplished the first qualification of various our dreams. Instead, embrace the situation and believe that it
achievements, such as being one of the MDRT Members, could make us achieve the impossible. Therefore, grab these
crossing the magical 200 cases in a year, becoming a Mega opportunities and make full use of all the support provided by
Agent with more than 1 Million AFYP Personal Sales and your leader, Agency and the Company.
joining the 100 Applications Club.

When my performances improved each year, so did my Please continue to create awareness on the importance of
confidence. In 2021, I was inspired to qualify for the first Court insurance and provide the most suitable solutions to your
of the Table (COT) in TMLM while attaining my 12th Time clients and the public, as this is our social responsibility as a
MDRT. This mission of mine was not an easy journey. During financial life advisor.
my pursuit for excellence, I was down with some health

issues but eventually recovered soon enough.

However, with my strong determination and Remember that
persistence, together with good guidance and
coaching from my leader, Mr S. Malaiyarasan, “COT is possible for those who are willing

and the encouragement from my colleagues to have CONSISTENT ACTIVITIES with
and Company staff, I overcame the challenges GOOD HABIT and POSITIVE ATTITUDE.”
and achieved nothing less than my 1st COT.

Edited by Lim Chui Ling & Cynthia Chong, I shall continue with my success journey in achieving MDRT
Agency Planning & Support yearly and being a strong Unit Manager at Tokio Marine Life.
My goals are to achieve Top of the Table (TOT), to develop
more MDRT members within my team and at the same time
to become the Top Unit Manager Achiever in the Company.
I will have my commitment to continue my journey in this
remarkable career and will ACT, BUILT and REFLECT for
BETTERMENT!

Yes, you too can be like me!

15

AGENT’S SPOTLIGHT

Journey to

COT

Ng May Ling
MAXX Group LLH

16

Edited by Lim Chui Ling & Cynthia Chong,
Agency Planning & Support

Thank you, Tokio Marine Life Insurance. Once again, I am
delighted to be recognised as the Champion in 2021’s Top
Personal Sales category.

As a Champion for Top Agent nationwide for 3 consecutive
years, I have also achieved my 9th time MDRT and 1st time
COT in 2021. These proud achievements had taught me
three things:
1. Determination is a must.
2. Good things happen when we are very focused.
3. Always think Bigger, Bigger and Bigger.

Fourteen years ago, my leader, Mr Lee Lai Him, approached

me many times to join Tokio Marine Life as a Life Insurance

Advisor but I had humbly declined him. However, with his Of course, I am also grateful to my husband, Mr Eng Kim

persistence, I finally decided to join this big family on 11 April Hor. He has made things possible for me and strives together

2008. What attracted me to join this career, mainly is the with me to achieve my dreams. None of these would happen

income flow and secondly this is a great career that could without his support and understanding. Thank you and I love

help families and friends around me to get their health and you.

financial protected.

Besides, I would also like to thank my Agency

With my hard work and determination, one Manager, Mr Lee Lai Him, and my Unit

year after I’ve joined Tokio Marine Life, I Manager, Mdm Cheng Kwee Lan, for all the

achieved my very first MDRT in 2009 and Just believe it, support given to me. Your assistance and
so on for the following years, and now and nothing is motivation have rekindled and fuelled up
it’s the 9th time achievement in 2021. my fire to continue to be the Champion
I had also achieved my very first Mega impossible and COT! Thank you very much! To all
Agent award in 2019 and concurrently LLH Group members, let’s grow and be
achieved the Top Agent Champion, in successful together. Jia You! Jia You &
which, the Champion recognition was Jia You again.

achieved for 3 consecutive years. These I would also like to dedicate my sincere
achievements had proven that “The sky is appreciation to the Company. Thank you
the limit and everything is possible if we really so much to CAO - Mr Liew, DCAO - Mr Tai,
want it.”

RM – Gary, and BDM – Amber, for your support and

My advice to all the young advisors, “Just believe it, and encouragement. It really meant a lot to me.

nothing is impossible. If you can see yourself achieving bigger

successes, go for them and always be excited and eager to Last but not least, I just want to say – “How fortunate we are

achieve them. The glory will be yours one day. Remember, to be a Life Insurance Advisor. And how fortunate we are

Insurance protection is a need for everyone, so don’t ever to have Tokio Marine Life Insurance to support and help

miss out on anyone around us.” us towards our success.” In order to be a significant player

in this industry, we have to play our role responsibly, as we

are not just an ordinary agent but a life advisor. Thank you

very much and let’s rock for 2022!

Thank you, Tokio Marine Life Insurance. Once again,
I am delighted to be recognised as the Champion

in 2021’s Top Personal Sales category.

17

EVENTS

CVEIRRETMUAOLNY

2AA0WG2EA0NRCDYSPRESENTATION

bThaMytThanhrLaeddeiliuamCasemlyousmsCvcpoiihcbahdgeuraios-aivd1fsLce9o2einonp0pfugtt1aeh2s,9nde0AtdSh1tgnet9heeameeoTnrwpovisccipp”yrv.motPPiruralrttaaoyuulndnahpnuilalticanyvwetegtfrooo&rsrdrelwmdiSss.utictripnhToicpvhrttoeiheesrrcedtnoytuegehswnaeirimswn, ienaTmyog“askCanioneoyfdldewMcobeaairnylraegsitnb,itenrhbaguiLntttiignhfistege
SwtvMthiiAeBhnanTSela2rslnecvhihreunny0ieitdeiaatscae1ese,fcskfg9ddtAotdictih/yerooruce2isumetownesraw0otpuelei2AiIinwrmptLnn0LhgnanrIvat2oaIeneVeeLiVs0TnvntdsE-ruEe1eeyescoco9dSsayvskaufo’tmeaeshnrySrtnosnnheodduTsoDtweaftonripifahmrorrpcGamaTaBnseTairrowtt2onchsaatIkopgiedIzdnvAc.iBrdioaididnagdTr7poyaangetiMPhna,nuylndAertalagaieceihwr.norMzleyexeiziueia.nnnprlaarMrw.d-eetwtd2hMMrhaeProeLae0eienrrnaaeeirc1eaofsildnse9Ve2nugtosaci’o3icesvnaorelankristOtcfannCusyoexwctfdgH,ahhor7dtoaleoMaar0eGrttrmblhahHrrwoldreew.eeaefousarvornScnnEesccaf2do.yteePrawr0r,FMxrytTDeAd2aeeacotvSa1ricrhgimmnnelta,tdeoaMiegiawweonsvrilayngisiCseetieffanytnydoropsuh.wrs,vom.rradaiofhmoaoosdipltoonngvarhaam.drentenbSlOhadsiyodotmret,nothnhfhsee

18

itMonTofshrotpehYfirafoeiiwscnnihagaairlatsldikyposiencce’Oosecknrthagoebtrpmoeaaot,scunpDhlyuaCierbtEeveeOegvaraeolslnrf.ytsTMhohMenraeLTraMoptwoi,aaSsttreood2eaos.r3kJr0toeoopnncmggipr,twehiCeaeiEntthOetvsritrohhatfeuneTaidhMglihggLptahMosvld.i,egiauhanmtnds
svMMnAuidaalaclmeycntoeaheLsgeliosynepfgraTat,onr–hpddteiMecAsgliaelgipovdeaecrannhyrmctiaisnynmCgaMtlphhtsaiehioonsnengagcisgoraKterrwtrweeoe–esewrrpeAe.ietsLncpiataeliansvAysecaeoenvdudiAcrfgtTo2oeor0rnp1yac9Alys’lsgpStTeeodonenptwcB3h–ithCenMdshe.,aasTdAmsoappsmtihhUooeNnnrisrigtt,
MMtpThrahreedeLsaHeecmaeenllclDLeeoabafouri faFHKtaTiiumomoekn,eiLoMeaianMwanddaa,earradmidnnewdeCeiMLtshh,ieafMnedfigarrMmeKSaw.wlJoaMeeryseaksslisLiaae’ailsyiCngaMh,hreMataennsad.aadgnvae,imrmMtuNerangMltlMayTseawoaynimtLhCianhtnhgade,,

19

RECRUITMENT HIGHLIGHTS

We continued with our final batch of the year with
TMC18 commencing on 1 November 2021.

The application process started in September 2021,
and a total of 43 agents enrolled for the scheme.

At the time of writing, we have a total of 110 agents
in TMC, 42 agents in TMC-AUM and 16 agents in
TMC-UM scheme respectively.

By Eugene Choy, Agency Business Strategy

I. Promotions in 2021

1. Unit Manager Promotion:

The following additional 9 AUMs were promoted to Unit Managers on 1 January, 2022:

NO. NAME BRANCH AGENCY MANAGER
1 CHITRA A/P KARUNANITHI SEREMBAN VINOTH KUMAR A/L KUMARAN
2 DARSHINI A/P GOBINATHAN JOHOR BAHRU GOBINATH A/L MARIYAPPAN
3 DINESH A/L BALASUBRAMANIAM BUTTERWORTH POOVANESWARAN A/L THANGAVALU
4 NALINY A/P VAMATHAYAN SEREMBAN VISVANATHAN A/L ANGAMUTHU
5 PARAMESWARAN A/L UVARAJAN SEREMBAN VINOTH KUMAR A/L KUMARAN
6 PUNITHA MALAR A/P PALANIANDY SEREMBAN VINOTH KUMAR A/L KUMARAN
7 RATNAAH A/P PACHIAPAN BARKAWI RAMULU A/P RAMULU
8 SUGANTHY A/P SHGER KLANG BARKAWI RAMULU A/P RAMULU
9 THINESHRAAJ A/L SELVARAJ KLANG UTHAYARAAJ A/L SELVARAJ
SEREMBAN

2. Assistant Unit Manager (AUM) Promotion:

14 Life Advisors gained promotion to Assistant Unit Manager from 1 October 2021 – 1 December 2021:

NO. NAME BRANCH AGENCY MANAGER
1 CHONG SEIK MOI MIRI JP GOLDSTONE ADVISORY SDN. BHD.
2 DHILIP KUMAR A/L NAGAPPEN VINOTH KUMAR A/L KUMARAN
3 HARVEN A/L AMUTHAN SEREMBAN SARAVANAN A/L VARATHARAJOO
4 MOHAMAD FAIZAL BIN AKEBAR ALI KUALA LUMPUR MUHAMMAD SHAHRIZUL MUNIR BIN MOHAMED NASIR
5 MUHAMMAD AMSYAR BIN SHAIK OTHUMAN MUHAMMAD SHAHRIZUL MUNIR BIN MOHAMED NASIR
6 PANG MEE LENG PENANG JP GOLDSTONE ADVISORY SDN. BHD.
7 RAMANI NAIR A/L ARUMUGAM PENANG VINOTH KUMAR A/L KUMARAN
8 RATHA A/P GOPAL VINOTH KUMAR A/L KUMARAN
9 SANTHI A/P KRISHNAN MIRI VINOTH KUMAR A/L KUMARAN
10 SASIDARRAN A/L GOVINDARAJEE SEREMBAN SUBRAMANIAM S/O SINNASAMY
11 SRI WANI BINTI SUKARMAN SEREMBAN EPTS MANSION SDN BHD
12 SUEN KAR SHIAN SEREMBAN EPTS MANSION SDN BHD
13 TUTAARNI A/P VASU ALOR STAR VINOTH KUMAR A/L KUMARAN
14 VISHNUPRIYA A/P P MOGAHN DRO KUANTAN GOBINATH A/L MARIYAPPAN
KUALA LUMPUR
SEREMBAN
JOHOR BAHRU

Total TMC-Assistant Unit Manager promotions in second half year of 2021 = 14
(Please see congratulatory flyers on following page for details)

II. Fast Start NCB Achievers

One of the requirements for TMC participants to be remained in the scheme is to achieve the Non-Commissionable block of
Business (NCB) production within six months of entry date. Participants who achieve the NCB production within four months are
rewarded with Fast Start NCB bonus. Record for the earliest NCB achievement for TMC18 :

NO. NAME TMC BATCH BRANCH DIRECT LEADER
1 SASIKALA A/P MUNANANDY TMC18 SEREMBAN VINOTH KUMAR A/L KUMARAN

20

as at 1 January 2022

CHITRA DARSHINI DINESH NALINY PARAMESWARAN
A/P KARUNANITHI A/P GOBINATHAN A/L BALASUBRAMANIAM A/P VAMATHAYAN A/L UVARAJAN

VINOTH KUMAR A/L KUMARAN GOBINATH A/L MARIYAPPAN POOVANESWARAN A/L THANGAVALU VISVANATHAN A/L ANGAMUTHU VINOTH KUMAR A/L KUMARAN

PUNITHA MALAR RATNAAH SUGANTHY THINESHRAAJ
A/P PALANIANDY A/P PACHIAPAN A/P SHGER A/L SELVARAJ

VINOTH KUMAR A/L KUMARAN BARKAWI RAMULU A/P RAMULU BARKAWI RAMULU A/P RAMULU UTHAYARAAJ A/L SELVARAJ

from 1 October 2021 – 1 December 2021

CHONG SEIK MOI DHILIP KUMAR HARVEN A/L AMUTHAN MOHAMAD FAIZAL MUHAMMAD AMSYAR
A/L NAGAPPEN BIN AKEBAR ALI BIN SHAIK OTHUMAN
JP GOLDSTONE ADVISORY SARAVANAN A/L VARATHARAJOO
SDN BHD VINOTH KUMAR A/L KUMARAN MUHAMMAD SHAHRIZUL MUNIR MUHAMMAD SHAHRIZUL MUNIR
BIN MOHAMED NASIR BIN MOHAMED NASIR

PANG MEE LENG RAMANI NAIR RATHA A/P GOPAL SANTHI A/P KRISHNAN SASIDARRAN
A/L ARUMUGAM A/L GOVINDARAJEE
JP GOLDSTONE ADVISORY VINOTH KUMAR A/L KUMARAN VINOTH KUMAR A/L KUMARAN
SDN BHD VINOTH KUMAR A/L KUMARAN SUBRAMANIAM S/O SINNASAMY

SRI WANI BINTI SUKARMAN SUEN KAR SHIAN TUTAARNI A/P VASU VISHNUPRIYA
A/P P MOGAHN DRO
EPTS MANSION SDN BHD EPTS MANSION SDN BHD VINOTH KUMAR A/L KUMARAN
GOBINATH A/L MARIYAPPAN

21

TRAINING HIGHLIGHTS

MDRT

As we position Tokio Marine Life Insurance Malaysia for another year of growth and success, our brand promise of
“Good Company” is an endorsement of being with the best in the life insurance industry.
Aiming with 100 MDRTs in 2022, an MDRT Program is to launch in 2022 with its main objective to groom an elite
group of MDRTs to reflect the productivity and professionalism standard that is embodied by its 5000 strong agency
force.
The MDRT program offers structured five (5) training modules and performance building coaching to support the
development of high producing talents, who are high producers and have the desire of achieving MDRT status.
MDRT is a global and independent association that is internationally recognized as the standard of excellence in life
insurance and financial services.

Tokio Marine Corporation Program
(TMC / TMC AUM / UM)

Achieving success requires the right system, structure & support. Tokio Marine Life Advisors who enroll in the TMC
/ TMC Assistant Unit Manager (AUM) / TMC Unit Manager (UM) scheme can gain access to enhanced training &
coaching designed by the Tokio Marine Training & Development (TMTDA), which could help you spread your wings
and achieve your dreams in setting you apart as an elite life insurance advisor. The revised structure comprises of
24 sessions with biweekly Follow up Follow through (FUFT) and coaching sessions.
22

BSC Aspirants Program

The Company takes BSC Aspirants life insurance advisor’s training very seriously. It is just like a beacon that attracts
motivated candidates. A sound, comprehensive and continuous training is designed to help you succeed.

We offer 3 elements similar to successful training programs
► Continuous and structured training that gradually builds skills and capacity
► The training offered must reflect the goals of the agent and organization
► The learning is on-demand

Types of program ranges from:
► LIMRA programs – AMTC, Pacesetter
► Professional Selling Skills
► Industry Practitioners Sharing
► e-learning mobile ready platform

LIMRA Leadership Program

(1) Agency Management Training Course (AMTC)

AMTC is a skills-based program that helps agency leaders to fully develop and sharpen their agency management
skills through intensive, peer-oriented training, which consists of discussions, skills demonstrations, role-plays,
action projects, and planning projects. It is a thirteen-day course consisting of five sessions, emphasizing adult-
learning techniques and practices, led by a LIMRA Certified Facilitator:
► Session 1 — Introduction and Planning (2 days)
► Session 2 — Recruitment (3 days)
► Session 3 — Selection (3 days)
► Session 4 — Training (2 days)
► Session 5 — Performance Management and Planning for the Future (3 days)

(2) Pacesetter

Pacesetter uses integrated learning to help agency leaders better understand and implement core skills in agency
management. This four and a half days program immerses participants in a program designed to improve in planning,
identifying, developing and directing key operational activities to achieve their business goals. This program also
includes a popular Anytown Simulation providing participants the opportunity to:
► Run an agency for three years in three hours
► Make decisions and see results immediately
► Enhance decision making and team building

New Agents Program

(1) Premier Sales Program

This is a dynamic program for new agents who aim to get off to a fast start in life insurance business. The program
consists of six sessions biweekly Follow up Follow through (FUFT) incorporated with performance coaching session.
The participants will be provided with opportunities to learn from the practitioners, equipped with essential selling
skills and able to master the fundamentals of selling, effectively managing their businesses and adopting a systematic
sales process to make their businesses grow and prosper.

(2) The Sales Program

This program has been developed specifically for new agents who want to jump start their career. It comprises of
three sessions Follow up Follow through (FUFT) and coaching sessions. The participants will work on developing
their approach in the sales cycle, acquire the knowledge and skills needed to increase their productivities. Actual and
proven scripts will be included so the participants can use them as guides to develop their own talks. Role-plays are
incorporated into the program as well to help reinforce the skills learned throughout the sessions.

23

TRAINING HIGHLIGHTS

Webinars in 2nd half of 2021: LEARNING

ALL AGENTS / MDRT ASPIRANTS is EARNING

From Zero to MDRT in 6 Months Tokio Marine Life Insurance Training & Development
department (TMTDA) continued to hold its 2nd half webinars
• Reach MDRT Goal with MDRT
Entrepreneurial Mindset for the life insurance advisors. These sessions enabled
our participants to learn from and engage with trainers
• Apply proven sales concepts in different or speakers whom have acquired considerable industry
market segments experiences. They’ve shared a lot of industry knowledge,
skills and insights which were very beneficial to both our life
Gan Chin Soon Languarge: Date: insurance advisors and speakers. It was good to see our
English 21 Jul life insurance advisors embracing to the new normal by
continuing to learn via webinar. A strong training is the
Secret of MDRT is Activity
bedrock of a successful sales career.
• A must have 3Ds (Desire, Decision,
Determination) in the business The dynamism in the financial services
environment are impetus for the life
• Use of Pomodoro Technique to power
through distractions & get optimize results insurance advisors to commit, remain
relevant and raise the standard of
Paramesvare Languarge: Date: competency and professionalism
Maniam Tamil 19 Aug to serve its clients.

2021 Finish Strong

• Adopt “6 Factors” to own the win as MDRT
• 5 Core Values to reset to achieve 2021

goals

Gunalan Languarge: Date:
Sagaran Tamil 7 Oct

BSC ASPIRANTS

Growth Mindset In the Digital Era BSC Aspirants
– Goh Chin Aik Series
• Acquire growth mindset to learn new
digital skills • Discover hidden potential and harness
strengths
• Cultivate growth mindset in the Digital Era
– The 6 Cs • Get rid of self-limiting beliefs and
unwanted habits
Jamuna Languarge: Date: Goh Chin Aik
Goh Chin Aik Tamil 9 Jul Languarge: Date:
Mandarin 22 Jul / 6,12, 20, 27 Aug

Empowering Agents Branding MSA Event
Masterclass

• Develop strong brand identity & personality Local & • Close larger premium with insurance as an
• Whip up engaging content International estate planning tool
practitioner
Languarge: Date: • Use insurance as a cash distribution tool
English 12-13 Aug

Languarge: Date:
Mandarin 13-22 Sept

Building Sustainable Life Boost Your Sales 200% by
Insurance Business Understand Your Clients

• Focus on key area to develop business • Develop strong brand identity & personality
sustainability • Whip up engaging content

Manogaran • Build a sustainable business by understand Languarge: Date:
Goh Chin Aik the impact of low sustainability on life English 12-13 Aug
insurance business

Languarge: Date: Goh Chin Aik
Tamil 14 Oct

Modern Estate Planning with Modern Estate Planning with
Insurance (Part 1) Insurance (Part 2)

• Use of C.P.D & D.A.D (diversified asset Goh Chin Aik • Case studies on real cases by life
distribution) in sales presentation insurance advisor

• Customized focus on the functions of • Mastery of the sales concepts and
insurance in modern estate planning application

Languarge: Date: Languarge: Date:
Mandarin 18 Nov Mandarin 26 Nov
English 19 Nov English 3 Dec

24

TokioMarine

All-in-One comprehensive
insurance solution provides
protection in one plan.

The pre-packaged insurance solution is designed
especially for new recruits to explain to potential
clients and super convenient for agents to illustrate
to potential customers.

The pre-packaged insurance solution is suitable for
young adults obtaining first insurance coverage,
covering death, total and permanent disability,
accidental, critical illnesses, comprehensive medical
coverage, new born reward, waiver of premium in
the event of non-death events, and additional death
coverage at no extra cost.

ConversionMedical Campaign

We launched 2 conversion campaigns to affected Investment-Linked Policies to iMediCare
medical repricing policies, we strongly encourage 15 Jun - 31 Dec 2021
invited customers to participate for their own benefits.
It’s always best to upgrade to the latest medical plan to Traditional Policies to iMediCare
be prepared for the top knot coverage when in need. 22 Sep - 31 Dec 2021

Benefits to ✓ Enhance maximum number of days for following medical benefits:
customers
• Room & Board: 150 days → 180 days
• Intensive Care Unit: 60 days → 180 days
• Pre Hospitalisation: 30/60 days → 90 days

✓ Enjoy additional benefits such as:

New Born reward, Pregnancy complication, Alternative
cancer treatment, outpatient infectious disease, lodger
benefit etc.

✓ Waive 30 & 120 days waiting period

25

Great Achievement on

TokioMarine

Guaranteed
Income
Plus

2 DAYSACHIEVED IN
RM30 MIL SINGLE PREMIUM

Enjoy Guaranteed Cash Payment (GCP)
of 3.5% of the Single Premium at the end of every policy year

Guaranteed TM-Guaranteed Single Premium
Acceptance without Income Plus with 4 years coverage
medical examination

Enjoy potential upside

26

“LTokio Marine K
BEYOND PROFIT”
No one is safe till everyone is safe. We act with integrity for the benefit of our customers, business partners and society. Since
March 2020, Tokio Marine Life have launched multiple assistance programs to help everyone we concerned, such as premium
deferment program and medical related aids.

COVID-19 Medical Expenses Assistance Fund was enhanced in August to increase medical bill reimbursement limit for eligible
individual medical plan customers.

COVID-19 Medical Expenses Assistance Fund

Period 17 Aug 2021 – 31 Dec 2021

Eligible Participant Eligible Tokio Marine Life Insurance Malaysia Bhd individual medical plan customers

Conditions Admit to Private Hospital due to COVID-19

Benefit Reimbursement of medical bill up to:-

Category Old limit NEW limit
RM30,000
3 RM5,000 RM100,000
RM150,000
4 RM10,000

5 RM20,000

Max 1 claim per customer

Waiting Period 30 days from inception / reinstatement of respective medical plan

JomVaccine Campaign – Post COVID-19 Vaccination Support 1.0 Fund

Period 20 Feb 2021 – 31 Dec 2021
Eligible Participant
Conditions Eligible Tokio Marine Life Insurance Malaysia Bhd individual medical plan customers
Benefit
Admit to hospital due to COVID-19 Vaccine Severe Side Effect

Reimbursement of medical bill up to RM5,000.
Max 1 claim per customer

Waiting Period 30 days from inception / reinstatement of respective medical plan

Extended JomVaccine Campaign – Post COVID-19 Vaccination Support 2.0 Fund to include adolescents age 12 to 17 in September
2021 in conjunction with the Ministry of Health announcement to revise COVID-19 vaccination age to provide protection to more
people.

JomVaccine Campaign – Post COVID-19 Vaccination Support 2.0 Fund

Eligible Participant

Period Conditions Malaysia and Malaysian Permanent Tokio Marine Life Insurance
Residents who has attained Malaysia Bhd. Customers
4 Jun 2021 – Admit to hospital due
31 Dec 2021 to COVID-19 Vaccine age 12 (NEW)

Severe Side Effect Daily income of RM120 per day Daily income of RM240 per day
(payable up to maximum of 5 days) (payable up to maximum of 7 days)
Death due to COVID-19
Vaccine Severe Side Max 1 claim per customer Max 1 claim per customer
Effect
Death benefit of lump sum Death benefit of lump sum
RM5,000 per individual RM12,000 per individual

Waiting Period 14 days from successful campaign 14 days from inception / reinstatement
registration of respective plan

Note: Post COVID-19 Vaccination Support only applicable within 14 days from vaccination date.

27

OPERATIONS UPDATE

Cashless Facility Process Flow

PANEL HOSPITAL ADMISSION WORKFLOW

Hospital verifies Call Center validates
card & name via our & certifies admission
info, issues GL upon
24x7 call center / approval of covered
web-system
condition

Patient arrives at Hospital upload
panel hospital, relevant doctor
provide IC &
reports with
Optional: Medical Admission Request
Card
Form to portal

Call Center issues Hospital updates
Top-up GL interim bills

If bills exceeds Patient gets admitted
GL limit into hospital

PANEL HOSPITAL DISCHARGE WORKFLOW

Hospital verifies Our Call Center
card & name via our validates, Audits &
processes payment
24x7 call center / notice, issues final GL
web-system within 45 to 60 mins
upon receive of full
Patient arrives at Hospital upload
panel hospital, relevant doctor documents
provide IC & reports with Admission
Medical Card Request Form to

portal

Members pays for
uncovered charges

Member Hospital
discharged receives final

28 GL

OPERATIONS UPDATE

Claims
All Types of Claim Reimbursement Process

► Agent/ Customer Approval ► SMS to agents and clients
submit claim via various on claim status
platform: ► Head Quarter (Claim
Department) receive ► Letter available in portals
■ E-Claims (priority) claim documents ► Payment credited to
■ Physical hand in
■ Courier ► Register and process client’s bank account upon
the claim claim approval
Submission
Claim Status

All Types of Claim Reimbursement Approval Process Flow

Claims Policy NO
Assesor Inforce?
Rejection
Letter

YES Query NO

NO Send Query Clean
Letter to Client Case?
Complete
Document?

YES Investigation YES
Process
Direct
Credit

All Types of Claim Reimbursement Status Notification Flow

Claim Notify SMS Claim Status Upon Claim SMS will
received in will be send (Approved Payment be send to
to clients / / Declined notify clients
HQ / Query) Reimbursed
(Claim agents - SMS will / agents
Department) be send
to clients /
agents

29

STATISTIC

TOP 3 CLAIMS
BY CLAIM AMOUNT & CASES

Coronary Heart Disease 8,203,009 * The statistics is based on TMLM claims reported from
1 January - 31 December 2021
Coronary Heart Disease 6,789,582
Cardiomyopathy 892,980 Cancer 6,906,667 Accident 1,634,376
Inflammatory/Heart 487,740 Accident 1,500,000
Coronary Artery By-Pass Surg. 18,028 Cancer 6,110,833 Other injuries
Rheumatic Heart Disease 14,679 Colon (excluding rectum) 360,000 Stroke 134,376
Prostate Cancer 240,000 Coronary Heart Disease 1,115,736
Cancer 6,805,013 Breast Cancer 120,000
Cancer - Early 75,833 300,432
Colon-Rectum Cancers 1,652,621
Breast Cancer 1,514,682 Coronary Heart Disease 3,266,500
Lung Cancers
Other Cancers 897,308 Heart Attack 1,882,000
Liver Cancer 680,423 Coronary Artery Disease 1,178,000
Pancreas Cancer 461,878 Other Serious Coronary Artery
Stomach Cancer 456,911 Angioplasty and other invasi 125,000
Ovary Cancer 373,953 Oth Serious Coronary Artery-Er 43,500
Lymphomas 238,392 Special Benefit 35,000
Prostate Cancer 198,678 3,000
Skin Cancers 171,556 Stroke
Uterine Cancer 780,833
Leukemia 64,651
Oral Cancer 58,728
34,618
Covid 19
616

6,341,537

CLAIM AMOUNT CLAIM AMOUNT CLAIM AMOUNT

RM21,349,559 RM10,954,000 RM3,050,544

DEATH CLAIM CRITICAL ILLNESS TPD CLAIM
CLAIM
NUMBER OF CASES
NUMBER OF CASES 129 NUMBER OF CASES 85 5
12 4
321 31 138 79 3
24 2 Stroke 1
Cancer 22 Cancer 2 Accident 3
Breast Cancer 12 Cancer 1 Other injuries
Colon-Rectum Cancers 11 Cancer - Early 1 Accident
Other Cancers Colon (excluding rectum) Coronary Heart Disease
Liver Cancer 6 Breast Cancer 41
Lung Cancers 5 Prostate Cancer
Pancreas Cancer 5 Coronary Heart Disease 19
Lymphomas 3 Heart Attack 15
Skin Cancers 3 Coronary Artery Disease
Ovary Cancer 3 Angioplasty and other invasi 4
Prostate Cancer 2 Other Serious Coronary Artery 2
Uterine Cancer 1 Special Benefit 1
Stomach Cancer 1 Oth Serious Coronary Artery-Er 0
Leukemia Stroke
Oral Cancer 92 12

Coronary Heart Disease 69
Coronary Heart Disease 15
Cardiomyopathy
Inflammatory/Heart 6
Coronary Artery By-Pass Surg. 1
Rheumatic Heart Disease 1

Covid 19 100

30

CLAIMS STATISTIC

Medical Claim Death Claim Death Claim
At A Glance By Gender, Age Band & Claim Description
By Gender, Age Band & Claim Description

11.8% 15.6% Claim Description No. of Claim Amount Claim Description No. of Claim Amount
4.0% Contract (RM) Contract (RM)
Female Male
4.6% 21-30 3 312,086 11-20 2 48,853
Accident 2 202,068 Accident 1 14,234
4.7% 14.3% Cancer 1 110,018 Cancer 1 34,618
31-40 23 741,528 21-30 25 2,506,557
9.0% Accident 1 10,110 Accident 10 514,123
Cancer 6 137,992 Cancer 1 102,206
9.9% 13.2% Other Diseases 8 181,977 Coronary Heart Disease 2 504,027
Stroke 1 22,595 Other Diseases 8 1,143,838
12.9% Respiratory Disease 2 261,454 Suicide 1 39,374
Covid 19 5 127,399 Covid 19 2 150,250
 Injury, poisoning and certain other consequences of external causes 41-50 49 2,649,952 Brain Tumor 1 52,739
 Diseases of the digestive system Cancer 28 1,542,331 31-40 46 3,826,634
 Neoplasms Coronary Heart Disease 3 636,847 Accident 10 1,703,115
 Diseases of the circulatory system Other Diseases 3 50,011 Cancer 1 107,102
 Diseases of the musculoskeletal system and connective tissue Stroke 1 10,219 Coronary Heart Disease 3 124,567
 Diseases of the genitourinary system Respiratory Disease 1 51,796 Other Diseases 15 1,182,311
 Diseases of the eye and adnexa Kidney disease 5 86,462 Stroke 3 181,102
 Diseases of the respiratory system Metabolic Disease 4 4,306 Respiratory Disease 4 177,957
 Certain infectious and parasitic diseases Covid 19 4 267,980 Liver Disease 1 42,076
 Others 51-60 71 2,452,263 Metabolic Disease 2 81,353
Cancer 26 1,160,574 Suicide 1 6,729
Medical Claim Diagnosis Claim Amount % Coronary Heart Disease 6 186,504 Covid 19 6 220,321
(RM) Other Diseases 18 557,560 41-50 82 8,483,958
Stroke 1 720 Accident 8 513,024
Injury, poisoning and certain other 16,495,584 15.6% Respiratory Disease 5 137,854 Cancer 5 126,686
consequences of external causes Kidney disease 1 52,054 Coronary Heart Disease 13 1,748,348
Liver Disease 1 53,595 Other Diseases 27 2,621,335
Diseases of the digestive system 15,118,250 14.3% Metabolic Disease 3 28,260 Respiratory Disease 7 454,810
Lung Disease 1 7,169 Kidney disease 4 272,477
Neoplasms 13,957,561 13.2% Covid 19 9 267,973 Liver Disease 1 764,790
61-70 64 1,917,651 Suicide 3 362,353
Diseases of the circulatory 13,670,865 12.9% Cancer 13 395,438 Covid 19 13 1,589,289
system Coronary Heart Disease 2 37,380 Infectious Disease 1 30,845
Other Diseases 23 648,099 51-60 124 8,419,460
Diseases of the musculoskeletal 10,525,323 9.9% Stroke 3 106,381 Accident 2 104,093
system and connective tissue Respiratory Disease 6 134,105 Cancer 12 1,069,014
Kidney disease 2 54,306 Coronary Heart Disease 30 2,818,529
Diseases of the genitourinary 9,552,175 9.0% Liver Disease 2 58,987 Other Diseases 39 1,639,434
system Metabolic Disease 3 43,515 Stroke 5 570,518
Lung Disease 1 78,243 Respiratory Disease 5 241,967
Diseases of the eye and adnexa 4,974,124 4.7% Covid 19 9 361,197 Kidney disease 2 84,390
71-80 51 1,558,266 Liver Disease 3 179,201
Diseases of the respiratory 4,927,924 4.6% Cancer 4 220,438 Metabolic Disease 3 110,939
system Coronary Heart Disease 3 103,155 Lung Disease 1 34,785
Other Diseases 26 873,615 Covid 19 22 1,566,589
Certain infectious and parasitic 4,234,333 4.0% Stroke 3 31,339 61-70 122 5,972,526
diseases Respiratory Disease 6 102,620 Accident 1 46,908
Kidney disease 1 1,440 Cancer 19 1,240,155
Others 12,561,805 11.8% Liver Disease 1 12,300 Coronary Heart Disease 20 1,190,045
Metabolic Disease 2 21,555 Other Diseases 35 1,151,029
TOTAL 106,017,944 100.0% Lung Disease 1 28,767 Stroke 11 921,931
Covid 19 4 163,037 Respiratory Disease 10 148,003
* The statistics above is based on claims notified as at 31 December 2021 81-90 36 2,263,154 Liver Disease 7 125,304
Cancer 2 43,725 Metabolic Disease 3 159,415
Gender No of Case Claims Amount (RM) Other Diseases 28 1,876,414 Lung Disease 2 57,131
Male 10,254 56,985,539 Respiratory Disease 1 8,450 Suicide 2 19,658
Female 10,120 49,032,404 Kidney disease 1 105,482 Covid 19 11 869,100
Total 20,374 106,017,944 Covid 19 4 229,083 Hepatitis 1 43,848
91-100 4 108,087 71-80 86 6,976,357
Other Diseases 2 44,340 Cancer 10 514,716
Respiratory Disease 2 63,747 Coronary Heart Disease 8 419,914
Total (Female) 301 12,002,987 Other Diseases 44 4,240,866
Stroke 5 480,536
CI Claim CI Claim Respiratory Disease 7 447,855
Metabolic Disease 3 516,048
By Gender, Age Band & Claim Description By Gender, Age Band & Claim Description Covid 19 9 356,421
81-90 24 2,237,204
Claim Description No. of Claim Amount Claim Description No. of Claim Amount Coronary Heart Disease 2 433,692
Contract (RM) Contract (RM) Other Diseases 16 966,381
Male Stroke 2 475,469
Female 1 204,000 21-30 5 396,000 Respiratory Disease 1 181,041
1 204,000 Cancer 1 60,000 Kidney disease 1 7,722
11-20 2 215,833 Coronary Heart Disease 1 200,000 Covid 19 2 172,898
Cancer 1 125,833 Others 0 36,000 91-100 3 207,001
21-30 1 90,000 Stroke 3 100,000 Other Diseases 3 207,001
Cancer 18 1,908,082 31-40 21 1,818,994 Total (Male) 514 38,678,550
Others 11 1,450,000 Cancer 10 640,000
31-40 3 258,082 Coronary Heart Disease 6 453,000 Pre-birth 2 470
Cancer 3 170,000 Others 4 405,994 0-10 2 470
Others 1 30,000 Stroke 1 320,000 Total (Pre-birth)
Systemic Lupus Erythematosus 35 3,447,239 41-50 28 2,544,747
Other Dread Disease 21 2,070,000 Cancer 10 890,000 Grand Total 817 50,682,007
41-50 1 100,000 Coronary Heart Disease 14 1,350,500
Cancer 8 847,239 Others 2 104,247 * The statistics above is based on claims reported during
Coronary Heart Disease 2 100,000 Kidney disease 2 200,000 1 Jan 2021- 31 December 2021
Others 1 200,000 51-60 23 1,196,377
Stroke 1 60,000 Cancer 3 85,000 TPD Claim
Systemic Lupus Erythematosus 1 70,000 Coronary Heart Disease 11 495,000 By Gender & Age Band
Brain Tumor 32 1,071,271 Others 3 465,544
Organ Transplant 20 731,833 Stroke 4 90,833 Claim Description No. of Contract Claim Amount (RM)
51-60 5 108,000 Blindness 1 10,000 Female 1 20,000
Cancer 3 121,438 Bacterial Meningitis 1 50,000 21-30
Coronary Heart Disease 1 20,000 61-70 8 1,384,620
Others 1 10,000 Cancer 4 470,000 41-50 2 241,104
Stroke 1 60,000 Coronary Heart Disease 1 500,000 51-60 3 333,297
Alzheimer Disease 1 20,000 Others 2 389,620 Male
Terminal Illness 7 410,000 Loss of Hearing/Deafness 1 25,000 31-40 7 1,970,732
Other Dread Disease 3 180,000 71-80 1 211,505 41-50 10 1,728,708
61-70 2 60,000 Others 1 211,505
Cancer 1 150,000 Total (Male) 86 7,552,243 51-60 5 324,836
Coronary Heart Disease 1 20,000 61-70 1 60,000
Stroke 1 106,050
Brain Tumor 1 106,050 Grand Total 182 14,914,718 Grand Total 29 4,678,677
71-80 96 7,362,475
Others * The statistics above is based on claims reported during * The statistics above is based on claims reported during 31
Total (Female) 1 Jan 2021 - 31 December 2021 1 Jan 2021 - 31 December 2021