CONTRIBUTORS Agency Planning & Support Rachel Wong Covey Ooi Chee Poh On Agency Business Strategy Julian Quah Tokio Marine Business Academy (TMBA) Esther Wang Heidi Chong Alan Ho Corporate Communications & Advertising Jessica Aimee Nuing Operations Soh Pei Ling Proposition & Pricing Ng Kheng Siang Actuarial Tan Jian Wei CONTENTS 3 Voices from Top Management CEO’s message DCEO’s message CAO’s message 6 Agency’s Event Highlight 2023 Main Tour Portugal Contest 2023 Agency Kick Off, Bangkok MDRT Tour, Tokyo Japan MDRT Night Party 2023 AAP, GICC 2023 Leader Summit 2023 Chiang Mai Mini Convention Contest 2023 MDRT Life Member Sharing 75th Anniversary MDRT Gold Coin Challenge Tokio Marine Perfect Club Recognition 2024 Agency Business Kick Off 21 Business Strategy’s Highlight iRich & iCash Gain (New) Tokio Marine Corporation iCareGuard & iCareGuard Plus 26 Business Academy’s Highlight Business Manager Unit Manager Leadership Program Path Towards MDRT Excellence 30 75th Anniversary CSR Program Family Movie Outing Day Mangrove Tree Planting Activity 32 IT Highlight T-Marine Pro Reengineer OneTokio Agency 34 Health Service Provider Streamlining of Panel Hospital 35 Operation Highlight Top 3 Claim in TMLM Claim Statistic 2
Dear agency members, We have now entered the second half of 2023. I would like to extend my sincere gratitude to you on behalf of Tokio Marine Life Insurance Malaysia Bhd. (TMLM) as we journey through the remaining months of the year. I hope that you and your dear ones are continuing to be safe and well. Celebrating 75 Good Years in Malaysia TMLM celebrates its 75th anniversary this year, and I would like to take this opportunity to express my gratitude for all your unwavering support at this significant anniversary milestone. We’ve been through many ups and down, but am proud that all of us have remain committed to our three pillars of looking beyond profit, delivering on our commitments, and empowering our people, hence living up to our “Good Company” values. Moreover, in line with the recent Leader Summit’s tagline “Quality Agent, Quality Business”, let’s continue to focus on recruiting, retaining, and activating new and existing agents. Stay determined, and keep your passion alive, as I look forward to growing the active agent count in the Agency, and want to see many more MDRT qualifiers in the second half of the year, which will elevate our company to new heights. Let’s keep pushing forward together! An eventful 2023 to look forward to We kicked of the year 2023 with the launch of iCareGuard and iCareGuard Plus, two new investment-linked unit deducting riders attachable to TokioMarine-iLifeSecure 2. Launched aptly in conjunction with World Health Day, the riders provided up to 79 Advanced Staged Critical Illness coverage, including benefits for ICU admission and hospital admission due to surgery. I am pleased we had the chance to launch these riders that can stand out due to their innovative reward system, which encourages policyholders to maintain a healthy lifestyle by offering incentives for their commitment to their well-being. I hope this will provide our agents an opportunity to tap into a new market. This year, we also proudly became the official Insurance Partner for RHB LEKAS Highway Ride 2023 again. TMLM continues to share our enthusiasm to promote a healthy lifestyle through cycling and are committed to enhancing our mutual pledge by creating another unforgettable experience for the cyclists. Furthermore, TMLM became one of the sponsors for the new school hall of SJK(T) Mak Mandin. Not only does this new school hall benefit the school students, but it is also open to the surrounding locals for community activities. We had the opportunity to participate in the opening ceremony, which was officially jointly opened by Yang Berhormat Puan Lim Hui Ling, Deputy Minister of Education and Yang Berhormat Tuan Lim Guan Eng, Bagan Member of Parliament in the constituency wherein the school is situated on, with the presence of various VIPs, Members of Parliament, Penang State Exco Members, local leaders, teachers, parents and pupils of the school. In addition, with our ongoing commitment to give back to the community and environmental sustainability, in partnership with Make-A-Wish Malaysia, we are pleased to sponsor critically ill children and their families with a memorable family movie day outing in Kuala Lumpur and Ipoh. We also had partnered with EcoKnights in an ongoing Mangrove Conservation Program. Through this collaboration, we had planted more than 100 seedlings, in line with one of our main themes of protecting the natural environment and responding to climate change. Let’s strive to continue “To Be A Good Company” I hope our company will aim to continue “To Be A Good Company”, placing our customers as the top priority, as well as continue moving towards developing as one of the country’s fastest-growing life insurers. As we progress through the second half of 2023, I hope the Agency will continue to strive to be BIGGER, BETTER, BOLDER, to drive the channel’s productivity and have consistent activity. Let’s stay passionate and keep the momentum going, and with your ongoing commitment and support, I have no doubt we will keep moving forward with great expectations of a brighter future for all, and will look forward to many more good years ahead. While we strive to give our best, please do continue to remain vigilant and stay safe. May 2023 continue to bring you and your family an abundance of health, prosperity, and happiness. TOI SEE JONG CHIEF EXECUTIVE OFFICER TOKIO MARINE LIFE INSURANCE MALAYSIA BHD. MESSAGE FROM THE CEO 3
2023 is an anniversary year of many different organisations, which are related to Tokio Marine and the Japanese community in Malaysia. 2023 is the 50th year of ASEAN-Japan Friendship and Cooperation, which started in 1973. The Japanese government and community have developed friendships and strong commitments with the ASEAN countries, including Malaysia. Half a century is really a long period and the Embassy of Japan in Malaysia promotes many anniversary events. 2023 is also the 60th anniversary of The Japan Club of Kuala Lumpur (JCKL), which is the organisation that enhances the friendship among the JCKL members, as well as the friendship between Malaysia and Japan. The Japanese community in 1963 was a very small one and I appreciate the continuous friendship and support from the Malaysian community since the very early days. Most importantly, 2023 is the 75th anniversary of Tokio Marine Life Insurance Malaysia Bhd. (TMLM). Asia Union Life was established in 1948, which was the origin of TMLM. Asia Life had developed the life insurance business in Malaysia since the very early days of the industry, which I believe had made a huge contribution to the society of Malaysia. I am proud that we have continued to develop our business model, since Asia Life joined the Tokio Marine Group in 2007. I would like to send the biggest appreciation to all the Agency Leaders and Agents for their continuous support to the company initiatives. Insurance companies can continue to grow only with the continuous trust and cooperation with the Agency Forces, which is my most favourite asset of TMLM. Tokio Marine Group has the corporate value of “To be a Good Company”. Our corporate values represent a culmination of everything we have learnt and stood for through our long history. These values and vision are timeless and the cornerstone of our global insurance business in the past, present and the future. TMLM has continued the journey for 75 years since inception and it will continue ahead towards the future. During the journey, we have experienced many of ups and downs, and we have conquered all the challenges after the struggles with a strong partnership and friendship among all the Agency Forces and the company. We are facing big challenges in 2023 and our business performance in the first half of 2023 was not satisfactory for almost everyone. But I have confidence that we will bounce back. In order to continue to grow, we need to work hard but it is not enough. I would like to have more and more interactions with all the Agency Forces to share experiences, exchange ideas and encourage each other. TMLM will prepare lots of opportunities of our preferred lifestyle, including incentive tours and other gathering events, which were not available during the pandemic days. Let’s enjoy our life after big achievements. 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! YOSHIAKI OKABE 岡部 養明 DEPUTY CHIEF EXECUTIVE OFFICER TOKIO MARINE LIFE INSURANCE MALAYSIA BHD. MESSAGE FROM THE DCEO 4
I would like to extend my heartfelt gratitude and appreciation to all the dedicated members of our Agency Force for their unwavering commitment and outstanding contributions during the first half of 2022. Your relentless efforts and hard work have been instrumental in achieving our collective goals! Thank you to all leaders, Agency Managers, and Unit Managers who participated the 2023 Leader Summit at Mandarin Oriental on 7th July. Your active engagement made the session fruitful and inspires us to head towards business excellence. The first half of 2023 presented significant challenges, as the agency’s sales production experienced a decline of 19% compared to the same period in 2022. However, there were also positive developments, as both recruitment and Persistency Ratio (PR) Basis 2 showed encouraging growth, with improvements of 16% and 5% respectively. Quality Agent, Quality Business In this second half of 2023, let’s keep our focus on the crucial RM 75 million APE target, which is essential to recover from first-half losses, as well as to drive positive sales growth. Together, I believe we can overcome challenges and achieve this milestone, defining our success and leaving an enduring legacy of excellence. Emphasising the importance of “Quality Agent, Quality Business”, our unwavering focus remains on recruiting exceptional new agents and delivering outstanding business performance. As we march towards success, let’s keep in mind the paramount significance of MDRT qualifiers in elevating our agency. Together with TMBA, we will synergise efforts and implement strategic initiatives to pave the way for an influx of MDRT achievers, solidifying our position as a pinnacle of excellence in the industry. Nonetheless, as the number of compliance cases gradually increases, let us consistently emphasise the importance of professionalism, best practices, and delivering top-notch services to our esteemed customers. It is crucial to maintain high standards and ensure our commitment to excellence remains unwavering. Beyond that, we have exciting initiatives in the pipeline, aimed at cultivating exceptional leadership within our organisation. One such initiative is the L.E.A.P Program, specially crafted for Business Managers, providing a platform to elevate their capabilities by expanding their teams. Moreover, we are thrilled to unveil the new and dynamic UM360 Leadership Program on August 2023, exclusively designed for Unit Managers, presenting a fresh and thrilling journey towards leadership excellence. Leading Innovation and Driving Transformation Embracing a dynamic era, oneTokio Agency undergoes a facelift to boost user experience and versatility. Rolling out in stages, this application empowers agency force members with enhanced performance management, sales activities, lead management, training, and more. Embracing this innovation will enable a new level of efficiency and effectiveness across the board. Plus, T-Marine Pro Reengineering is now in the pipeline, with Phase 1 launched in July and Phase 2 set to launch in September with improved usability, streamlined processes, and optimised performance, all focused on delivering significant benefits to our esteemed Agency Force Members. This advancement will propel our agency members to elevate their capabilities to a whole new stage of excellence. I look forward to witnessing the extraordinary accomplishments that await us. Let’s keep pushing the boundaries of excellence and make a positive impact on the lives of our clients and our community. Thank you for your dedication and hard work. Here’s to an inspiring future filled with growth, prosperity, and continued success! TIMOTHY KOK CHIEF AGENCY OFFICER TOKIO MARINE LIFE INSURANCE MALAYSIA BHD. MESSAGE FROM THE CAO 5
*Result as at 31st July 2023, subject to persistency review and terms and conditions. PERSONAL SALES CATEGORY AFYP (1 Ticket) CH’NG CHEE SENG CHUNG SIEW YIAN HII MING TING JAYA KUMARI A/P GOPAL JESSY CHEN AGENCY SDN BHD JULIAN GOH CHEN ZUI KASTHURI THILAGAM A/P CHINAPEN KUMARESAN A/L JEYRAMAN LEE MOU YEN LEE TAI LEE LOK SZE LING NG MAY LING VANASUNDARI A/P GOVINDASAMY WONG KING KIEW YEO SEOW MEI ZENIA YONG JING XUAN Penang Miri Kota Kinabalu Butterworth Kuala Lumpur Malacca Johor Bahru Kuala Lumpur Malacca Miri Johor Bahru Malacca Butterworth Miri Kuantan Johor Bahru AM/UM DIRECT GROUP CATEGORY AFYP & Recruit (1 Ticket) EPTS MANSION SDN BHD Kuala Lumpur AM/UM DIRECT GROUP CATEGORY AFYP (1 Ticket) ASIA ACE AGENCY SDN BHD CHENG KWEE LAN JESSY CHEN AGENCY SDN BHD Butterworth Malacca Kuala Lumpur PERSONAL SALES CATEGORY AFYP (1 Ticket) GOH PEK ENG KONG PING PING ONG LING HONG WONG YIN SUN Johor Bahru Sibu Miri Ipoh AM GROUP CATEGORY AFYP (1 Ticket) CHEOW NAM FEE EPTS MANSION SDN BHD LEONG WAI KEONG TEAM POWER ADVISORY SDN BHD Johor Bahru Kuala Lumpur Penang Miri AM GROUP CATEGORY AFYP & Recruit (1 Ticket) ASIA ACE AGENCY SDN BHD Butterworth 2023 AGENCY MAIN TOUR BENCHMARK QUALIFIERS Portugal 6
The Agency Kick Off, the first overseas kick off trip after the pandemic, was held in Bangkok, Thailand, gathering around 300 agents from abroad. It kicked off with an inspiring keynote by CEO Mr. Toi See Jong, setting the tone for resolutions and goals aligned with the organization’s direction. The event also focused on customer service, operations, and the importance of market positioning and exceptional products. It closed with a presentation highlighting the goal to surpass milestones and the launch of the 2023 Main Tour to Portugal. 2023 AGENCY BUSINESS KICK OFF @ Bangkok, Thailand The 2023 Agency Business Kick Off took place on 4th January and was truly extraordinary, featuring a luxurious 4 days 3 night stay at the renowned 5 star Swissotel Bangkok. 7
2023 MDRT Tokyo, Japan Tokio Marine Life has consistently promoted excellence in performance within our agency field force, both domestically and internationally. Our top priority is to motivate our agency force to qualify for the prestigious Million Dollar Round Table (MDRT) membership, a globally recognized achievement. In line with this, we have organized an immersive experience in Tokyo, Japan, exclusively for the topnotch qualifiers of MDRT who’ve met the stringent requirement set by the organisation to indulge and fully immerse themselves in the city. MDRT: A GATEWAY TO EXCELLENCE AND UNFORGETTABLE EXPERIENCES IN TOKYO, JAPAN 8
To foster agent excellence and recognize their remarkable achievements, Tokio Marine Life proudly organizes an annual MDRT celebration party. This grand event serves as a testament to the remarkable accomplishments of our agents who have triumphed in their pursuit of MDRT membership. Regardless of whether they are first-time achievers, seasoned veterans with multiple qualifications, distinguished MDRT Life Members, esteemed Court of the Table (COT) or Top of the Table (TOT) qualifiers, every single endeavor holds immense significance. Join us in acknowledging their unwavering dedication and exceptional accomplishments. 2023 MDRT NIGHT PARTY Unleash Your Full Potential: Pledge to become the next MDRT qualifier and embrace unparalleled recognition. 9
Champions in the Limelight : Congratulations to all the Awardees of the Prestigious 2023 Agency Awards Presentation. 2023 AGENCY AWARDS PRESENTATION 25TH MAY, 2023, GENTING INTERNATIONAL CONVENTION CENTRE (GICC) 10
A grand celebration of excellence unfolded at the much-anticipated 2023 Agency Awards Presentation, where a myriad of prestigious award categories awaited the deserving Champions in the Limelight. Following a prolonged period of the pandemic, the event marked a joyous return to the magnificent Genting International Convention Centre. Awardees and guests alike radiated excitement as they graced the occasion, adorned in elegant evening gowns, tuxedos, and coats, symbolizing the significance of this highly awaited gathering. It was an auspicious moment to bask in the spotlight, to revel in triumph and victory, and to share these memorable experiences with team members, friends, and beloved family. Once again, we extend our heartfelt congratulations to all the exceptional achievers who have earned the right to bask in the glory of this momentous occasion. Remember, this accomplishment is not the culmination of your journey, but rather a significant stride forward in the pursuit of your dreams and life goals. To all the dedicated members of our agency force, let the flame of your fighting spirit continue to burn brightly as you persistently pursue your aspirations. Keep forging ahead, fueled by unwavering determination, and triumph over any obstacles that may come your way. We look forward to reuniting with you at the next grand gathering, the 2024 Agency Awards Presentation, where we will celebrate your continued success and remarkable achievements. 11
Embrace the spirit of achievement and progress at the highly anticipated 2023 Leader Summit! As we come together, we take pride in acknowledging the remarkable milestones and accomplishments our agency has achieved during the first half of this momentous year. The Leader Summit serves as a platform to reflect upon our collective triumphs and challenges, learning from the past to shape a stronger, more resilient future. With the first half behind us, we stand at a crucial juncture, ready to embark on the journey towards the second half with renewed enthusiasm and determination. The tagline “Quality Agent, Quality Business” encapsulates our shared commitment to delivering unparalleled service and forging enduring relationships with our clients. Through collaborative discussions, insightful workshops, and inspirational keynote speakers, we will equip ourselves with the tools and knowledge to excel in the second half of the year and beyond. Together, let’s embrace the opportunities that lie ahead and redefine the standards of excellence in our industry. We look forward to seeing each and every one of you at the Summit as we set the stage for a remarkable second half of 2023! Q U A L I T Y AGENT Q U A L I T Y BUSINESS LEADER SUMMIT 2023 7 – 8TH JULY 2023 MANDARIN ORIENTAL KUALA LUMPUR 12
RECRUITMENT MINI CONVENTION CHIANG MAI BENCHMARK QUALIFIER Contest Requirement : Contract Period : 24th May - 30th September 2023 Production Period : 24th May - 31st October 2023 PERSONAL SALES CATEGORY ONE Qualifying New Recruit (1 Ticket) ANJALAI A/P MINNINDEH CHIA FEI YEE CHIONG SZE SENG JAYA KUMARI A/P GOPAL KUMUTHA A/P SILVER RAJU LAU KEE PING LEONG PEI SIM LOI HIENG NGOH LOW CHEE LOONG MAGESWARY A/P SUBRAMANYAN NANTHINI A/P SURESH PIRABBU A/L RAJAMOOGAN RATHIDEVI A/P MUNANDAY SHANTI A/P SUBRAMANIAM SIA KII NGIE SIM SIEW CHOO SUMATHI A/P SELLATHURAI THINESHRAAJ A/L SELVARAJ THIYAGARAJAN A/L CHANDRAN UMADEVI A/P KANNIAPPAN SEREMBAN KUCHING SIBU BUTTERWORTH ALOR STAR MIRI KUALA LUMPUR MIRI SIBU SEREMBAN KUALA LUMPUR ALOR STAR BUTTERWORTH KUALA LUMPUR SIBU KUCHING SEREMBAN SEREMBAN BUTTERWORTH KUALA LUMPUR NEW AGENT CATEGORY AFYP 20,000 (1 Ticket) ABISHEK A/L VINOTH KUMAR AGNES A/P PERNANDIS CHIN PAU LI CHITRA DEVI A/P AYYAVOO CHOW YOOK THAI GREGORY LUKE WILLIAM HO PHOI SAN JAYASREE A/P SINNAPAYAN JIEXIN LEE KONG PING PING LING SING MEI MARY CHAN MEI LEI NAGARAJU A/L APPLASAMY NANTHAKUMAR A/L MADIALAGAM NG PEI LEE SANTHI A/P JAYARAMAN SIA PICK YIING UMAVATY A/P PURUSHOTHAMAN WONG YIN SUN YOGATHARAN A/L KRISHNAMOORTHY SEREMBAN KUALA LUMPUR JOHORE BAHRU KUALA LUMPUR KUALA LUMPUR BUTTERWORTH IPOH JOHORE BAHRU JOHORE BAHRU SIBU SIBU KUCHING KOTA KINABALU KUALA LUMPUR SIBU BUTTERWORTH SIBU SEREMBAN IPOH IPOH This contest is still on-going and ending by 31st October 2023. The above qualifiers are based on a report as of 31st July and subject to final review at the end of the contest period. 13
LOO LQI KIM MDRT 10th TIME QUALIFIER LIFE MEMBER OPTIMUM LIFE PLANNERS ADVISORY SDN BHD I have been working in the insurance industry for about 13 years. Before joining Tokio Marine Life Insurance Bhd. (TMLM), I worked as a secretary in a corporate company. I wanted to make a change in my career and explore the sales industry, but no one wanted to take me in, except the insurance industry. Hence, I decided to give it a try and starting from that day until today, I have remained here because of the opportunities and experiences I’ve had in the insurance industry. My Vows: Shielding Families, Building Legacies As a Life Planner, I feel that I can create value for my clients. A complete financial planning in a family ensures that basic protection is being prepared, so when they are sick or lose their loved ones, their finances are not affected, and their family is being protected. Initially, my goal was to become a Million Dollar Round Table (MDRT) member in the first year. However, after achieving that milestone three times, my aim shifted to become become a Lifetime MDRT member. With this target in mind, I stayed focused and determined. Qualifying for MDRT every year is already a challenging accomplishment. However, achieving MDRT for 10 years is an even greater feat. Despite the difficulties, I am driven to strive for this MDRT life member milestone. The push that motivated me is the desire to continuously excel in my profession, provide exceptional value to my clients, and establish a legacy of success and dedication in the insurance industry. From Aspiring to Achieving: Empowering Agents on the MDRT Path 1. Set Clear Goals: Clearly define your goals and make them specific, measurable, achievable, relevant, and time-bound (SMART). Having a clear vision of what you want to achieve will help guide your actions and keep you focused. 2. Continuous Learning: Commit to continuous learning and professional development. Stay updated with industry trends, product knowledge, and sales techniques. Attend industry conferences, workshops, and training sessions to enhance your skills and expertise. 3. Build Strong Client Relationships: Focus on building strong and trusting relationships with your clients. Understand their needs, provide personalised solutions, and go the extra mile to exceed their expectations. Satisfied clients are more likely to refer you to others, helping you expand your client base. 4. Persistency and Consistency: Success doesn’t happen overnight. It requires persistence and consistency in your efforts. Develop a strong work ethic, stay disciplined, and maintain a positive mindset even during challenging times. Keep pushing forward, and remember that each year is an opportunity to strive for MDRT qualification. 5. Enjoy the Journey: Remember to enjoy the journey and find fulfillment in helping clients secure their financial futures. Celebrate the positive impact you make in people’s lives through your work as a Life Planner. Enjoy the relationships you build with clients and the personal growth you experience along the way. Keep in mind that success is subjective, and everyone’s journey is unique. Define what success means to you personally and continuously evaluate and adjust your goals accordingly. With dedication, perseverance, and a passion for serving your clients, you can strive towards achieving MDRT life member status. 10% is luck, 90% is to never give up. 14
Empowering Lives: My Journey as an MDRT Life Member with MAXX Group LLH Hello, I’m Ng May Ling, an MDRT Life Member from Malacca, Malaysia, and I belong to the esteemed MAXX Group LLH. As a Life Planning Advisor, I find great fulfillment in making a positive impact on people’s lives. In this article, I’ll share my journey, the driving factors behind my achievements, and advice for aspiring agents. What brings me the greatest satisfaction as a Life Planning Advisor is helping clients secure their financial futures. Witnessing their dreams become a reality fills me with joy. I am grateful for the support of my husband, Mr. Eng Khim Hor, and the contributions of my superior leaders, Mr. Lee Lai Him and Mdm. Cheng Kwee Lan, from MAXX Group LLH, who have played significant roles in our success. Qualifying for MDRT every year is challenging, but aiming for the MDRT Life Member milestone has been my driving force for a decade. I am fueled by my passion for financial planning and a deep belief in its transformative power. Achieving this milestone allows me to access valuable resources, expand my expertise, and better serve my clients. Unlocking the Secrets to MDRT Success: Wisdom from Life Members 1. Set clear goals: Break them down into smaller steps and celebrate each achievement. 2. Continual learning: Stay updated on industry trends, attend workshops, and seek guidance from experienced advisors. 3. Build relationships: Foster meaningful connections with clients, colleagues, and industry professionals. Collaborate and learn from others’ experiences. 4. Embrace resilience: View setbacks as opportunities for growth and keep persevering towards your goals. As an MDRT Life Member from Tokio Marine and MAXX Group LLH, I am honored to empower individuals, secure their financial futures, and create a better tomorrow. With dedication, support, and a passion for helping others, success is within reach for aspiring agents! In the words of Winston Churchill, “Success is not final, failure is not fatal: It is the courage to continue that counts.” Let this quote inspire you to persevere and achieve greatness in your journey as a Life Planning Advisor. MDRT 10th TIME QUALIFIER LIFE MEMBER NG MAY LING MAXX GROUP LLH 15
LEVEL 1 – (RM100,000 AFYP REQUIREMENT) CHIN PAU LI MAXX GROUP CNF HII MING TING LEE NYUK SIEW AGENCY LAU AI LING MAXX GROUP CNF THEN HUI CHAN TEAM FORCE AGENCY CH’NG CHEE SENG MAXX GROUP GPC JAYA KUMARI A/P GOPAL ASIA ACE AGENCY SDN BHD LEE MOU YEN MAXX GROUP LLH VANASUNDARI A/P GOVINDASAMY ASIA ACE AGENCY SDN BHD CHONG HOW KEE MAXX GROUP EPTS JONG SUK MOI TAN KOK WAN AGENCY WONG KING KIEW DAVID TEA AGENCY CHUNG SIEW YIAN TEAM POWER ADVISORY SDN BHD KONG PING PING TEAM POWER ADVISORY SDN BHD LOK SZE LING MAXX GROUP CNF EPTS MANSION SDN BHD MAXX GROUP EPTS LOW SHENG HAN TOKIO STARS GROUP WONG YIN SUN JESSY CHEN AGENCY SDN BHD GOH PEK ENG MAXX GROUP CNF KWAN SIAW CHING TEAM FORCE AGENCY NG MAY LING MAXX GROUP LLH YEO SEOW MEI MAXX GROUP EPTS (as at 30 June 2023) ANNIVERSARY MDRT GOLD COIN CHALLENGE 10gm 916 Gold Coin Reward 16
LEVEL 2 – (RM75,000 AFYP REQUIREMENT) CHAN CHIN CHEAK RMS ADVISORY SDN BHD KASTHURI THILAGAM A/P CHINAPEN ROOMAS AGENCIES LIM KUI LEE ANG SUM KEE AGENCY CHIONG SZE SENG MAXX GROUP EPTS KELLY LIU PEI HUA THE DREAM ACHIEVERS GROUP NITHIYAH A/P ARUMUGAM VEGA STAR AGENCY JENNIFER LIEW SHIK FIRM CKL ASSOCIATE SDN BHD LAU KEE PING TEAM POWER ADVISORY SDN BHD SIM SIEW CHOO PRIME STAR ELITE GROUP JONG SUK CHIN TAN KOK WAN AGENCY LEE FANGLI MAXX GROUP GPC TAN KOK WAN TAN KOK WAN AGENCY JULIAN GOH CHEN ZUI CLY AGENCY LEONG PEI SIM MAXX GROUP EPTS TAN WHEI SIAN TEAM FORCE AGENCY (as at 30 June 2023) ANNIVERSARY MDRT GOLD COIN CHALLENGE JAN – JUNE 2023 Early Bird Premier MDRT KUMARESAN A/L JEYRAMAN POOVANESWARAN A/L THANGAVALU LEE TAI LEE MAXX GROUP EPTS WONG SIEW KHUI TEAM POWER ADVISORY SDN BHD R M 6 , 0 0 0 CA S H R E WA R D (10gm 916 Gold Coin) 5gm 916 Gold Coin Reward 17
(as at 30 June 2023) TOKIO MARINE PERFECT CLUB BENCHMARK QUALIFIER CHAN CHIN CHEAK RMS ADVISORY SDN BHD CHIONG SZE SENG MAXX GROUP EPTS SIOW YIN SAN MAXX GROUP CNF GOH PEK ENG MAXX GROUP CNF JAYA KUMARI A/P GOPAL ASIA ACE AGENCY SDN BHD JONG SUK MOI TAN KOK WAN AGENCY KONG PING PING TEAM POWER ADVISORY SDN BHD KWAN SIAW CHING TEAM FORCE AGENCY LEE MOU YEN MAXX GROUP LLH LEE TAI LEE MAXX GROUP EPTS NG MAY LING MAXX GROUP LLH THEN HUI CHAN TEAM FORCE AGENCY VANASUNDARI A/P GOVINDASAMY ASIA ACE AGENCY SDN BHD WONG KING KIEW DAVID TEA AGENCY KASTHURI THILAGAM A/P CHINAPEN ROOMAS AGENCIES 18
(as at 30 June 2023) CHIN SHI HUI CH’NG CHEE SENG LOK SZE LING TAN WHEI SIAN YEO SEOW MEI GANGATHARAN A/L GANESAN LAU AI LING LEE FANGLI LEE SIEW SEAN MALA A/P VAIRAN OPTIMUM LIFE PLANNERS ADVISORY SDN.BHD. PUTERI NUR FARHANAH BINTI OSMAN SARITHA A/P M GOBIKRISHNA TAN KOK WAN HO YUNE LIN SIM SIEW CHOO SUGANTHI A/P JAYARAMAN THEEBA A/P KERNASAMY ANBARASU A/L KANAISIN ANBUKARASI A/P KANCHYMALAY CHAI FOOK ONN CHAN NYUT LIAN CHONG HOW KEE CHOONG GUAN YEE CHRISTOPHER LIM SZE LUNG DARVIN RAJ A/L ROBERT DEEPA A/P JAYABALAN ESTHER WONG SU KEE GANESAN A/L K ARUMUGAM GOVINDASAMY A/L SENGAL RAYA NAIDU JAGJIT KAUR A/P BADAN SINGH JODHI A/P RAMASUNDRAM KASTHURI A/P SUPPIAH KOGILAN A/L GOVINDASAMY KOH WEE KIONG KOH YOONG HOE KUEH SIEW KIAW KUMARESAN A/L THATCHANAMURTHI KUMUTHA A/P SILVER RAJU LAU YEK HUAT LEE SUE WAN LIEU SHEUE JIUN LIEW SIEK FUNG LIM HAU CHIA LIM HUAI KHIM LIM KUI LEE LIM SEE HAN NG YEAN SAN ONG LI BIN ONG SZE EAN PREMA A/P RASAKANNU R PUVANARAJAN A/L RENGANATHAN SRIDARAN A/L P.T SANGARRAN TIE YING YING WONG SIEW POH WONG WEI WEN YAP KAH LING ZENIA YONG JING XUAN 19
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Develop habitual savings via annual Guaranteed Cash Payment With savings rider - iCashGain Premier/iCashGain, you can enjoy yearly Guaranteed Cash Payment (GCP) starting from the end of the 1st policy year. iCashGain Premier enjoys GCP Booster, where there will be a payment of double GCP for every 10th policy year. The GCP and GCP Booster will be reinvested into your selected investment-linked funds to grow your wealth. Flexi commitment Customise your plan by choosing one of the following premium payment term (PPT) and coverage term (CT), whichever best suits your evolving needs. • 6 Years PPT 20 Years CT • 20 Years PPT 30 Years CT Financial protection in an unfortunate event This plan is designed to protect you against Death or Total and Permanent Disability (TPD), while growing your wealth. Additional 200% Basic Sum Assured is payable in the event of accident death prior to the policy anniversary on which the Life Assured attained the age of 70 next birthday. You may build safety net by attaching optional waiver of premium riders. The financial protection brings you and your loved ones’ contentment in life without sacrificing against uncertainties. Lump sum payout at Maturity Total Fund Value is payable upon maturity. TokioMarineiRich Premier enjoys Loyalty Bonus on top of Fund Value upon maturity. Fund options for potential upside A fixed portion of premium, GCP and GCP Booster (if any) will be invested in the professionally managed fund(s) that is selected by you for potential upside. You may add regular top-up and single premium top-up for higher potential gain. High non-medical limit for hassle free enrolment No medical check-up is required for coverage up to RM 4 million, subject to your age, health conditionand plan choice. AUGUST 2023 Taking advantage of our prime life to grow wealth with secured protection for peace of mind. FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! FOR A LIMITED TIME PERIOD ONLY! 21
PROMOTION TO ASSISTANT UNIT MANAGER ANJALAI A/P MINNINDEH PRIDE SOLUTION ADVISORY SDN. BHD. KUMUTHA A/P SILVER RAJU SUBRAMANIAM S/O SINNASAMY AGENCY BAVANI A/P MUNIANDY PRIDE SOLUTION ADVISORY SDN.BHD. SHIAMALA A/P JAYA BALAN GT ACE AGENCY HIEW CHEE VONG TAN KOK WAN AGENCY ILAVARASI A/P SUBRAMANIAM SUBRAMANIAM S/O SINNASAMY AGENCY YIM MING FONG P&E TEAM AGENCY T-MARINE CORP COMPLETE 36 MONTHS BATCH AUM 19 GRADUATION OF TMC PROMOTION TO UNIT MANAGER KUMARESAN A/L THATCHANAMURTHI SUBRAMANIAM S/O SINNASAMY AGENCY CHONG SEIK MOI JP GOLDSTONE ADVISORY SDN.BHD. SUEN KAR SHIAN MAXX GROUP EPTS LEE SIEW SEAN IPOH KAVITHA A/P SHAMMUGAM BARKAWI AGENCY PUVANESWARY A/P SUBRAMANIAM BARKAWI AGENCY VIKNESVARAN A/L SUKUMARAN SD AGENCY MAGESWARI A/P GANASAN ASIA ACE AGENCY SDN BHD NAVEN KUMAR A/L RAVI VEGA STAR AGENCY TANG LEE FONG JP GOLDSTONE ADVISORY SDN.BHD. PARIMALA A/P SELVAM SUBRAMANIAM S/O SINNASAMY AGENCY SARAVANAN A/L CHANTHIRAN MEGA MILLION DOLLARS AGENCY (M) SDN. BHD. SHANTI A/P SUBRAMANIAM BARKAWI AGENCY VIYASAR A/L VASUDEVAN PRIDE SOLUTION ADVISORY SDN.BHD. (as at 30 June 2023) BATCH AUM 20 22
TOP 5 AGENCY MANAGER TOP 5 PERSONAL SALES ICG & ICGP ICG & ICGP iCAREGUARD & iCAREGUARD PLUS iCAREGUARD & iCAREGUARD PLUS FIRST RUNNER UP LEONG WAI KEONG MAXX GROUP GPC SECOND RUNNER UP PRIDE SOLUTION ADVISORY SDN BHD PRIDE SOLUTION ADVISORY SDN BHD CHAMPION EPTS MANSION SDN BHD MAXX GROUP EPTS THIRD RUNNER UP CHEOW NAM FEE MAXX GROUP CNF FOURTH RUNNER UP PUI JIN TECK PUI JIN TECK (as at 30 June 2023) FIRST RUNNER UP SIM SIEW CHOO PRIME STAR ELITE GROUP SECOND RUNNER UP TAN KOK WAN TAN KOK WAN AGENCY CHAMPION LEE TAI LEE MAXX GROUP EPTS THIRD RUNNER UP LAU AI LING MAXX GROUP CNF FOURTH RUNNER UP TAN TOO KHOI ASIA FAMILY ETA AGENCY 23
Unique Selling Proposition Better value and higher protection to customers! Launch of iCareGuard & iCareGuard Plus In conjunction with the World Health Day 2023 – 7th April, introduced two new critical illness riders, namely iCareGuard (Accerelating version) and iCareGuard Plus (Advanced version). Upon iCareGuard Plus and iCareGuard launch: Q2 2022 Q2 2023 Total Critical Illness Sum Assured From RM102 mil à RM296 mil é Critical Illness Average Sum Assured From RM52,000 à RM107,000 é Critical Illness Rider Attachment Ratio From 45% à 65% é TokioMarine-iLifeSecure 2 Average Premium From RM2,800 à RM3,000 é Cashback Campaigns There are several cashback campaigns launched first half year 2023, highlighted below: • D’Super Deal that offer cashback up to RM15,000 for TokioMarine-Optimizer • TMCash4U that offer cashback up to RM15,000 for TokioMarine-iMillion, TokioMarine-BrightFuture, TokioMarine-Optimizer & TokioMarine-iBig 2 • TMGuard4U that offer cashback up to RM2,000 for TokioMarine-iLifeSecure 2 with iCareGuard Plus/ iCareGuard/iMediCare Saver 500/ iMediCare Co-Saver 10% More than 1,300 policies benefited & RM1 mil Cashback! 79 Critical Illnesses Conditions USP 1 Hospital Admission USP 3 ICU Admission USP 2 Health Reward up to 40% Rider COI Rebate USP 4 24
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Why Business Manager? Learn. Evolve. Achieve. Progress (Designed exclusively for Business Manager) L.E.A.P. Program Business Manager aims to: • Build an effective and strong group of young and productive agents to actively recruit and grow the manpower of the Company • Groom and develop future young leaders to create a distinct advantage over the competition within the industry • Strengthen succession planning on continuity of leadership within the agency Program’s objectives: • to instill recruitment habits and cultivate a strong mindset on recruitment • to guide attendees on the know-how to attract and source for potential talent • to apply effective approaches in activating the new recruits Program Structure: • 3 Days 2 Nights Life Camp • 4 Modules • 4 Power Up sessions As at 30 June 2023, we have total of 79 Business Manager promotees 3D2N Life Camp for Business Manager 1.0 was organized on 4-6 May 2023 at Nilai Springs Resort Hotel. During the life camp, the attendees undergone various learning activities and equipped themselves with the essential skills in time management, recruiting and activating their new recruits. On top of that, the attendees also had great learning experience with our in house leaders on the effective recruitment techniques and were inspired to be a builder to lead a performing team. Update: New Recruits Productivity RM 11,053 Highest Total Rookie Bonus Payout (5%) (As at 31 May) RM 1,140 Life Camp for Business Manager on 4-6 May 2023, Nilai Springs Resort Hotel Total New Recruits Recruited by BM 1.0 & 2.0 107 NR Total Production (AFYP) by New Recruits RM 574,740 Business Manager Performance (As at 30th June 2023) 26
Key Objectives: • to adopt winning mindset and boost the team productivity • to equip the attendees with the essential knowledge, attitude, skills and habits in ensuring team sustainability • to elevate the attendees leadership skills in driving team performance Target Audience: • Pilot Group: UMs who fulfill pre-requisite requirements UM 360 LEADERSHIP PROGRAM* Designed exclusively for Unit Managers 12 months journey to cover full leadership program 3D2N Life Camp 5 Skill-Up Sessions 5 Modules Certificate LIFE CAMP UM 360 LEADERSHIP PROGRAM DATE : 25 -27 AUG 2023 UM 360 Leadership Program (Designed exclusively for Unit Managers) 27
PROFESSIONAL DEVELOPMENT Offer various engaging & inspirational sessions and workshops conducted by in-house and industry MDRT qualifier speakers. These sessions cover a wide range of topics, including sales techniques, business development strategies, client management, and advanced financial planning concepts to develop a strong foundation of knowledge, skills and financial planning strategies to stay updated on industry trends - to promote continuous learning and growth. A) MDRT POWER TALK P A T H T O W A R D S MDRT Excellence The Million Dollar Round Table (MDRT) is a prestigious international association of top-performing life insurance professionals. Achieving MDRT status is a significant accomplishment that requires exceptional sales performance, ethical conduct, and dedication to client service. As MDRT qualifier, you provide peace of mind, save lives and protect the futures of your clients! Tokio Marine Life Malaysia developed 4 key pillars towards building MDRT excellence. These pillars are: B) CHOOSE# MDRT WEBINAR NETWORKING AND MENTORSHIP PROFESSIONAL DEVELOPMENT 28
NETWORKING AND MENTORSHIP Connect with MDRTs in the industry, learn from their experiences, and gain insights as proven strategies for success. On 8th July 2023, 30 MDRTs aspirants attended the “GEMILANG MALAYSIA MDRT DAY 2023”. The hall was filled with an estimate of 5000 enthusiasts and 26 speakers in total. The sessions were structured well and categorised to 3 different sections, which included 6 main speakers, focus sessions and another category of 4 minutes’ effective techniques sharing called MDRT Speaks. The inspiring speakers did not fail to impress. The weaving of their stories interlocked with concepts and theories amazed the audiences. There were gasps as well as laughter among the audience. Even tears. The sheer size of the sharing was so impactful and left those in present enchanted of what can also be them. One of the main speakers of the day, was Dr. Sanjay Tolani, a living legend in the financial services industry who shared on “InterGenerational Planning- Creating a legacy” that creates lasting lasting impact. SALES PERFORMANCE Becoming an MDRT qualifier comes with various levels of recognition which is based on an individual’s production achievements. A. LAUNCHED : MDRT SUPER BONUS CHALLENGE B. LAUNCHED : 75 ANNIVERSARY MDRT GOLD COIN CHALLENGE Contest Period : 01/04/2023 to 30/6/2023 For more details of the challenge, kindly refer to page 16 & 17. C. LAUNCHED 2023 MDRT MALAYSIA DAY TICKET “COMMIT & GO” Contest Period : 26/5/2023 to 30/6/2023 Criteria: RM10k AYFP Inforced RECOGNITION AND REWARD The MDRT celebration is an exciting experience for individuals who have achieved this prestigious membership. It is to honour and acknowledge the MDRTs qualifier’s outstanding achievements to boost morale and motivation. Qualifiers who achieved the Million Dollar Round Table status are typically celebrated and receive prestigious awards or accolades for their accomplishments. A. MDRT NITE PARTY Attended by 2023 59 MDRTs Qualifiers and 100 MDRTs Aspirants to celebrate the achievement of MDRTs qualifiers. For more details of the challenge, kindly refer page 9. SALES PERFORMANCE RECOGNITION AND REWARD 29
Family Movie Outing Day in collaboration with Make-A-Wish Malaysia (MAWM) As TMLM wants to shine the spotlight on doing Good this year as we celebrate our 75th Anniversary, we organised two Family Movie Outing Days in collaboration with MAWM. The first outing was held at TGV Sunway Pyramid, Selangor on 1st July 2023, while the second outing was held at TGV Kinta, Ipoh on 8th July 2023. MAWM had invited children whose wishes they had granted before, who are currently still recovering or are still ill, to enjoy this special day with their families. We’re pleased that over 300 children and parents had joined our outings. TMLM then received a sweet surprise as the families had expressed their thanks to TMLM by writing personalised messages on a special board for us. The CEO of MAWM, Irene Tan had personally handed these boards to DCEO Okabe-san on 14th July 2023. 30
• This year’s Mangrove Tree Planting Activity is held in collaboration with EcoKnights on 26th July 2023, which is also the International Day for the Conservation of the Mangrove Ecosystem. • The event took place at Sijangkang Mangrove Recreational Centre, where we planted more than 100 seedlings with an aim to protect the natural environment and address climate change. • Tokio Marine Group itself has a long-standing Mangrove Planting Project that emphasises the crucial role of mangroves in protecting the Earth’s future. Hence, we want to reiterate this once again with this event. The above initiatives are part of our vision when we say we want ‘To be a Good Company’. We want to look beyond profit to deliver fully on our commitments, and act with integrity for the benefit of our customers, business partners and community, to live up to the trust placed in us. Furthermore, as we celebrate our 75th Anniversary this year, we also want to reiterate our anniversary tagline “With You, For Good”, where we will always strive to continue making a difference for a better future. Mangrove Tree Planting Activity for TMLM Staff – 26th July 2023 31
What had completed! The infrastructure optimization work had completed on 16 Jun 2023 Server Files and Folders Restructuring and Housekeeping Improve Application Web Server Performance Increase Server Capacity by allocating more memory and CPU Optimize PSIP PDF Generation Process T-Marine Pro Reengineering Rollout Plan To provide an updated T-Marine Pro system for better usability, seamless process and optimized performance R0 16 Jun 2023 100% R1 70% R2 10% Jul/Aug 2023 Sept 2023 • Increase Server Capacity by allocating more memory and CPU • Optimize PSIP PDF Generation Process • Server Files and Folders Restructuring and Housekeeping • Improve Application Web Server Performance • Optimizing NRIC Field lookup on proposal form • Enhancing default contact lookup list from LA backend, giving search option if required. • Backend system performance tuning • Disable the login button once it is clicked to avoid multiple login attempt while system in progress. • Optimizing the validation rules during Document Upload • Provide the “call-me” feature if not able to obtain OTP via SMS • API performance optimization • Other relevant enhancements Items under assessment due to complexity Tentatively target to deliver by Dec 2023 PSIP Enhancement To allow user to go back to PSIP for amendment after enter into proposal stage Summary Page Summary page to display all information for confirmation prior final submission Login Performance To speed up the login process by reducing dependency on other systems during login OCR Enhancement To improve the OCR accuracy for NRIC submitted T-Marine Pro Better Reengineering Usability Streamlined Processes Optimized Performance 32
Overview Welcome to oneTokio Agency, a game-changing mobile application built exclusively for the Life insurance advisor to stay ahead of the curve. We are thrilled to introduce this Innovative tool to manage your business, enhance your productivity, and expand your reach to potential customers. With oneTokio Agency, you’ll have everything you need to thrive in the competitive world of insurance. Key Features 1. Performance Management Monitor the performance of all agents to improve production, productivity & income 2. BSC Dashboard Monitor the performance of BSC non-performers to improve production and productivity 3. Activity Management Identify core sales strength via sales activities. i.e Producer Tools (for leaders and agents) and Builder Tools (for leaders) 4. Contact Management Organise and manage contacts from leads to prospect to become client 5. Lead Management Increase business activities via leads 6. Sales Tools & e-Recruitment To improve sales & recruitment experience 7. Tokio Marine NextGen Regular monitor and report on performance progress to identify trends and patterns to improve overall performance. Benefits • Efficient lead management and follow-up. • Seamless communication with clients. • Diverse product offerings to meet customer demands. • In-depth performance analytics for continuous improvement. Conclusion Join the next generation of insurance agents who are transforming their sales approach with oneTokio Agency. Embrace the power of technology to elevate your productivity, strengthen customer relationships, and achieve new heights in insurance Problem 1 sales. oneTokio Agency PHASE 3 PHASE 1 RELEASE 1 PHASE 2 PHASE 1 RELEASE 2 Q4’23 Apr’24 qPerformance Management qBSC Dashboard qLead Management (Lead Distribution) qContact Management qActivity Management qTraining Module Jul’24 qPerformance Management (Enhancement) qActivity Management (Enhancement) qLead Management (Lead Generation) qSales Tools & e-recruitment qTokio Marine-NextGen qSales Tools & e-recruitment (Gamification) Performance Management BSC Dashboard Tokio Marine-NextGen Activity Management Contact Management Sales Tool & e-Recruitment Training Module Lead Management Eight (8) modules focusing; Q4’23 Empower Your Business with oneTokio Agency Mobile App Elevate your business 33
Healthcare services are constantly changing and evolving to meet patients’ needs. Dealing with healthcare services on a daily basis is a top priority to ensure that satisfactory services and appropriate treatments are offered to our valuable clients at reasonable prices. We strive to provide the best service to our clients and actively managed to meet their expectations, therefore, to improve overall functionality of healthcare system, there is a need to review and streamline the panel hospitals to provide better negotiation and bargaining power with more concentrated utilization on the panel hospitals. This is an on going exercise to review, to identify gaps & determine possible areas of improvement which ultimately affect the clients’ choices. As a start, we have decided to remove 10 hospitals due to low utilisation from previous years. You may refer to our website for the latest panel hospital listing (https://www.tokiomarine.com/my/en/life/resources/locators/private-hospital-medicalcard-locator.html). Customers are not without options. Alternatives are available to customers, as our panel is more than enough in each state. STREAMLINING OF PANEL HOSPITALS LIST OF PREFFERED HOSPITALS Columbia Asia Hospital, Setapak Columbia Asia Hospital, Bukit Rimau Columbia Asia Hospital, Cheras Columbia Asia Hospital, Klang Columbia Asia Hospital, Petaling Jaya Columbia Asia Hospital, Puchong Columbia Asia Hospital, Taiping Columbia Asia Hospital, Iskandar Puteri Columbia Asia Hospital, Tebrau Columbia Asia Hospital, Seremban Columbia Asia Hospital, Bintulu Columbia Asia Hospital, Miri Columbia Asia Hospital SALAM Shah Alam Specialist Hospital SALAM Specialist Hospital Kuala Terengganu SALAM Senawang Specialist Hospital SALAM Specialist Hospitals KPJ Klang Specialist Hospital KPJ Batu Pahat Specialist Hospital KPJ Pasir Gudang Specialist Hospital KPJ Specialist Hospitals MSU Medical Centre Penang Adventist Hospital Oriental Melaka Straits Medical Centre Sentosa Specialist Hospital Klang Bukit Tinggi Medical Centre (Formerly known as Manipal Hospitals Klang) Hospital Lam Wah Ee Anson Bay Medical Centre CMH Specialist Hospital 34
Cancer 3,719,000 Breast Cancer 220,000 Cancer 3,133,000 Cancer - Early 266,000 Other Cancer 100,000 Coronary Heart Disease 729,000 Coronary Artery Disease 445,000 Heart Attack 149,000 Oth Serious Coronary Artery-Er 35,000 Other Serious Coronary Artery 100,000 Stroke 510,000 Stroke 440,000 Stroke - Early 70,000 CLAIM AMOUNT RM4,958,000 Cancer 53 Breast Cancer 2 Cancer 45 Cancer - Early 5 Other Cancer 1 Coronary Heart Disease 20 Coronary Artery Disease 13 Heart Attack 5 Oth Serious Coronary Artery-Er 1 Other Serious Coronary Artery 1 Stroke 5 Stroke 4 Stroke - Early 1 NUMBER OF CASES 78 CRITICAL ILLNESS CLAIM Stroke 209,794 Stroke 209,794 Accident 16,903 Other injuries 16,903 CLAIM AMOUNT RM226,697 Stroke 5 Stroke 5 Accident 1 Other injuries 1 NUMBER OF CASES 6 TPD CLAIM TOP 3 CLAIMS BY CLAIM AMOUNT & CASES * The statistics above is based on claims reported during 1 Jan 2023 - 30 June 2023 Cancer 7,077,144 Breast Cancer 414,914 Cervical Cancer 500,000 Colon-Rectum Cancers 1,529,652 Leukemia 63,828 Liver Cancer 130,334 Lung Cancers 2,477,999 Lymphomas 346,007 Oral Cancer 8,840 Other Cancers 833,439 Ovary Cancer 131,630 Pancreas Cancer 191,348 Stomach Cancer 74,253 Uterine Cancer 50,305 Skin Cancers 203,337 Bladder Cancer 121,259 Coronary Heart Disease 6,201,677 Cardiomyopathy 300,057 Coronary Heart Disease 5,848,295 Inflammatory/Heart 53,325 Respiratory Disease 4,709,140 Influenza & Pneumonia 4,621,588 Tuberculosis 87,552 CLAIM AMOUNT RM17,987,961 DEATH CLAIM NUMBER OF CASES 178 Cancer 70 Breast Cancer Cervical Cancer Colon-Rectum Cancers Leukemia Liver Cancer Lung Cancers Lymphomas Oral Cancer Other Cancers Ovary Cancer Pancreas Cancer Stomach Cancer Uterine Cancer Skin Cancers Bladder Cancer 9 1 11 2 2 12 3 1 16 3 3 2 1 2 2 Coronary Heart Disease 69 Cardiomyopathy Coronary Heart Disease Inflammatory/Heart 1 67 1 Respiratory Disease 39 Influenza & Pneumonia Tuberculosis 37 2 35
MEDICAL CLAIM AT A GLANCE TPD CLAIM BY GENDER & AGE BAND 15.44% RM15,377,185 Injury, poisoning and certain other consequences of external causes 13.32% RM13,264,974 Others 11.34% RM11,292,905 Neoplasms 6.52% RM6,496,978 Certain infectious and parasitic diseases 4.31% RM4,288,886 Symptoms, signs and abnormal clinical and laboratory findings, not elsewhere classified 7.58% RM7,545,766 Diseases of the genitourinary system 11.22% RM11,177,931 Diseases of the digestive 9.68% system RM9,645,504 Diseases of the musculoskeletal system and connective tissue 10.87% RM10,828,605 Diseases of the respiratory system 9.73% RM9,693,195 Diseases of the circulatory system * The statistics above is based on claims notified as at 30 June 2023. TOTAL NO OF CASE 17,331 TOTAL CLAIM AMOUNT RM99,611,929 TOTAL CLAIM AMOUNT RM1,520,308 TOTAL NO OF CONTRACT 17 8,657 RM53,181,204 MALE 8,674 RM46,430,725 FEMALE * The statistics above is based on claims reported during 1 Jan 2023 - 30 June 2023. CONTRACT CLAIM 1 RM100,000 CONTRACT CLAIM 7 RM374,356 CONTRACT CLAIM 6 RM523,011 CONTRACT CLAIM 1 RM11,084 CONTRACT CLAIM 2 RM511,858 31 – 40 41 – 50 51 – 60 61 – 70 41 – 50 36
DEATH CLAIM BY GENDER, AGE BAND & CLAIM DESCRIPTION CLAIM DESCRIPTION NO. OF CONTRACT CLAIM AMOUNT (RM) FEMALE 1-10 1 22,197 Cancer 1 22,197 21-30 3 144,533 Coronary Heart Disease 1 73,081 Other Diseases 1 50,000 Suicide 1 21,453 31-40 9 2,535,090 Accident 1 2,000,000 Cancer 3 200,146 Coronary Heart Disease 2 231,987 Other Diseases 2 92,956 Others 1 10,000 41-50 17 1,103,183 Cancer 7 374,417 Coronary Heart Disease 1 550,000 Other Diseases 3 101,465 Others 1 20,000 Respiratory Disease 4 42,337 Suicide 1 14,964 51-60 35 3,970,470 Accident 1 50,237 Cancer 15 3,277,365 Other Diseases 13 406,250 Others 2 60,000 Respiratory Disease 1 62,231 Metabolic Disease 1 50,319 Lung Disease 2 64,069 61-70 35 1,344,839 Cancer 8 268,448 Coronary Heart Disease 6 141,801 Other Diseases 9 341,633 Others 1 30,000 Stroke 2 197,519 Respiratory Disease 5 125,427 Kidney disease 1 199,091 Metabolic Disease 2 37,920 Covid 19 1 3,000 71-80 32 1,130,315 Accident 1 13,336 Cancer 2 28,717 Coronary Heart Disease 9 452,376 Other Diseases 12 407,496 Stroke 1 11,021 Respiratory Disease 5 196,251 Metabolic Disease 2 21,118 81-90 21 1,125,439 Cancer 5 198,610 Coronary Heart Disease 1 94,307 Other Diseases 7 404,931 Stroke 1 12,219 Respiratory Disease 3 175,155 Liver Disease 1 31,295 Metabolic Disease 3 208,921 91-100 2 56,823 Other Diseases 2 56,823 TOTAL (FEMALE) 155 11,432,889 GRAND TOTAL 411 36,654,510 DEATH CLAIM BY GENDER, AGE BAND & CLAIM DESCRIPTION CLAIM DESCRIPTION NO. OF CONTRACT CLAIM AMOUNT (RM) MALE 11-20 1 83,741 Suicide 1 83,741 21-30 25 2,578,366 Accident 11 1,650,970 Other Diseases 10 719,361 Others 1 10,000 Liver Disease 1 150,221 Lung Disease 1 24,936 Hepatitis 1 22,878 31-40 20 3,239,170 Accident 2 40,535 Cancer 3 263,190 Coronary Heart Disease 1 84,369 Other Diseases 6 2,228,343 Others 2 40,002 Respiratory Disease 2 175,000 Liver Disease 2 273,160 Metabolic Disease 1 80,400 Suicide 1 54,172 41-50 34 4,062,926 Accident 1 49,772 Cancer 1 51,551 Coronary Heart Disease 9 1,951,781 Other Diseases 8 584,717 Others 2 175,000 Respiratory Disease 2 101,088 Kidney disease 1 117,793 Liver Disease 2 168,595 Metabolic Disease 3 226,414 Lung Disease 2 366,602 Suicide 2 218,253 Covid 19 1 51,359 51-60 57 5,001,427 Accident 3 84,931 Cancer 8 990,241 Coronary Heart Disease 20 1,829,929 Other Diseases 13 1,099,257 Others 4 250,026 Stroke 2 550,000 Respiratory Disease 3 91,572 Kidney disease 1 23,520 Liver Disease 1 34,136 Metabolic Disease 1 20,043 Covid 19 1 27,773 61-70 54 3,186,035 Accident 3 292,296 Cancer 9 734,253 Coronary Heart Disease 15 676,683 Other Diseases 12 472,126 Others 4 60,000 Stroke 3 305,370 Respiratory Disease 3 380,840 Liver Disease 1 14,937 Metabolic Disease 1 38,482 Lung Disease 2 201,047 Covid 19 1 10,000 71-80 49 5,589,682 Accident 7 407,643 Cancer 7 657,865 Coronary Heart Disease 1 8,737 Other Diseases 21 1,451,154 Stroke 1 6,580 Respiratory Disease 10 3,033,674 Kidney disease 1 13,808 Metabolic Disease 1 10,220 81-90 13 1,342,326 Cancer 1 10,145 Coronary Heart Disease 2 103,634 Other Diseases 7 633,959 Respiratory Disease 1 325,564 Metabolic Disease 1 95,661 Covid 19 1 173,362 91-100 3 137,948 Coronary Heart Disease 1 2,992 Other Diseases 2 134,956 TOTAL (MALE) 256 25,221,621 CI CLAIM BY GENDER, AGE BAND & CLAIM DESCRIPTION CLAIM DESCRIPTION NO. OF CONTRACT CLAIM AMOUNT (RM) FEMALE 21-30 2 110,000 Brain Disease 1 50,000 Others 1 96,000 31-40 11 795,000 Cancer 8 654,000 Coronary Heart Disease 1 20,000 Others 1 21,000 Other Dread Disease 1 100,000 41-50 18 921,367 Cancer 17 900,000 Others 1 21,367 51-60 13 903,130 Cancer 9 586,000 Coronary Heart Disease 1 30,000 Others 3 287,130 61-70 10 1,573,443 Cancer 4 855,000 #N/A 3 328,443 Stroke 3 390,000 TOTAL (FEMALE) 54 4,338,940 GRAND TOTAL 99 6,880,845 CI CLAIM BY GENDER, AGE BAND & CLAIM DESCRIPTION CLAIM DESCRIPTION NO. OF CONTRACT CLAIM AMOUNT (RM) MALE 21-30 3 90,000 Kidney disease 3 90,000 31-40 6 268,000 Cancer 4 204,000 Coronary Heart Disease 2 64,000 41-50 17 920,000 Cancer 5 190,000 Coronary Heart Disease 9 440,000 Others 3 290,000 51-60 17 1,134,774 Cancer 5 280,000 Coronary Heart Disease 7 175,000 Others 3 559,774 Stroke 2 120,000 71-80 2 129,131 Cancer 1 50,000 Others 1 79,131 TOTAL (MALE) 45 2,541,905 * The statistics above is based on claims reported during 1 Jan 2023 - 30 June 2023. CLAIMS STATISTIC 37