Daruma - 07 June 2020 Issue

ARUMA

Focused on Achieving Our Goal

Dream Cruise

2018
4th Quarter
Recruitment
Campaign

New Year MISSION 2020
New Direction 5000

2020 Agency 2020 Agency
Business Kick-off Kick-off

Another Celebrations
Breakthrough Year Party

2019 New New Products
Agent Fast Launch
Start Tour
Chiang Mai iFlexSecure2
iBig2
AGENCY NEWSLETTER iLady
NO. 07 JUN – DEC 2019
JUNE 2020

FOR INTERNAL CIRCULATION ONLY

CONTENTS

Events / Tours Spotlight Events
in TMLM
01 Message from the CEO
02 Message from the DCEO 06-07 2018 4th Quarter Recruitment
02 Message from the CAO Campaign - Dream Cruise
03 2019 Tokio Marine Challenge 08-09 2019 Danang Trip Contest
Cup (TMCC) Result 10-11 2019 New Agent Fast Start
04 2019 Agency Tour Qualifiers Tour - Chiang Mai
05 2020 Agency Tour 12 2019 Indian Agency Convention
& Recognition
Recruitment 13 2020 UM and SM Promotion
Highlights 14-15 2020 Agency Business Kick-off
16-17 2020 Agency Business Kick-off
18 TMC & TMP Updates Celebration Party
19 TMP Promotion to UM
20 T-Marine Corp Promotion

to AUM
21 T-Marine Corp (AUM)

Promotion to UM

Training Highlights

22 2019 Malaysia MDRT Day
23 2019 MDRT Final Sprint
24 2019 BSC Genting Awana

Content Editor & Art Editor TM inTUNE

Agency Planning 25 BSC Update
Lim Chui Ling 26 Why T-Marine Pro 2.0 is
Important
Contributors: 27 Finance Update
28-29 Branch Update
Agency Planning 30-31 Marketing Communication
Chee Poh On, Cynthia Chong & Cheow J-Sern Highlights
32-33 Product Highlights
Agency Business Strategy Operation Updates
Chua San Kuang & Eugene Choy 34-36 Claim Update

Agency Business Development Statistic
Amber Loh, Carmen Chhao, Jamie Yap, Jonathan Koek,
37 Claims Statistic
Ice Chan, Yee Kok Hong

TMTDA
Esther Wang, Heidi Chong & Nasuha Bt Yunus

Actuarial Department

Corporate Communications & Advertising
Jacleen Jacinta Martin & Chin Kachin

IT Department
Richard Yu

Operations
Rachel Chin, Dr Parveen Kaur & Tay Ley Chen

Propositions & Pricing Department

MESSAGE by Dear agency members, doing more than fulfilling our role as a Good
Happy New Year! Company; it is also elevating our customers’
CEO experience to sync with our highly digitalised
As we look into 2020 and embrace the Year environment. Making these changes would
TOKIO MARINE LIFE MALAYSIA BHD. of the Rat, I would first like to express my not have been a smooth transition without
appreciation for your contributions and support your support. Therefore, I would like to thank
TOI SEE JONG throughout 2019. It is important to reflect all our agency members for making our digital
on our past challenges and achievements, transformation a success.
and focus on our next endeavours. May the
upcoming year bring many opportunities for As a recognition to our innovations, I am
you to grow and prosper. happy to announce that Tokio Marine Life
won The BrandLaureate World BestBrands
This year, our business will continue striving Awards 2019 for the award category of
to achieve “Mission 5000” with a total of 5,000 BestBrands in Insurance Solutions. The
agency members and production of RM 200 award acknowledges our ability to keep
million AFYP. We have been receiving great abreast with the ever-evolving nature of
responses since this project kick started last technology and digital growth, in improving
year. Many more initiatives have been put operations and providing efficiency in
in place for the next 12 months to make this customer experience.
target achievable.
Our successes mean more if we give back
We have been gradually moving to becoming to our society. Once again, as part of the
more digital and eco-friendly. One of the “Good Company” culture, we are here to look
changes we have implemented is to switch beyond profit and aim to launch a sustainable
from paper to e-statements. Effective January flagship CSR project this year to improve the
2020, all Life Policy statements started being lives of B40 families for the next few years.
issued electronically via email, SMS, or
through the Customer Portal (e-services). With a strong agency force and corporate
Another digital initiative that took effect in culture, I am confident with our ability to
February 2020 are payments via e-wallets. achieve further success. Wishing everyone a
Customers can now pay their insurance prosperous and fruitful 2020!
premiums via Alipay, Boost, Razer Pay &
Touch ‘n Go at any of the Tokio Marine Life
branches. These “Go Green” initiatives are

1

春爛漫 (Blooming Spring Greetings to you!) In 2019, we have successfully grown the MESSAGE by
number of our agency force to 4,004. This is
Olympic Games Tokyo 2020 is schedule to a record in TMLM. Recruitment is a challenge DCEO
be held in Japan this summer. It has been a to many Agency Leaders, but the actual battle
long journey since the International Olympic starts thereafter. To achieve success, the TOKIO MARINE LIFE MALAYSIA BHD.
Committee announced the plan in May 2011. process requires boundless determination by
the agents with great support and guidance YOSHIAKI OKABE
In September 2013, Tokyo was selected from their leaders.
as the host for the event. The Japanese 岡部 養明
Government and Tokyo Metropolis have For every new agent, it is a memorable
spent the last 7 years for the preparation, experience when they sell their very first
which includes building the new Olympic Main insurance policy. This is the first step to
Stadium, new Olympic Gymnasium, Olympic achieving bigger dreams in the Life Insurance
Athletes Village and many more. The whole industry such as becoming a member of
project for Tokyo 2020 took 9 years in total to MDRT. In 2019 we welcomed 40 MDRT
complete since May 2011, while the Olympic members – another new record in TMLM.
Games will only last for 17 days. I would like to congratulate all the 2020
MDRT qualifiers and hope the agency force
It seems like tremendous effort has been will continue to work for this international
put in for a 17-day event. This could not be recognition this year.
further from the truth. In fact, The Olympic
Games will leave a legacy. Last but not least, I would like to sincerely
congratulate all the Gold Medallists
The audience who watch the games at (achievers) in TMLM in 2019. They need
the stadiums or on television will never special mention for putting TMLM on the
forget the excitement of the sportsmanship, charts yet again. Mr. Malaiyarasan and Asia
which would continue to encourage them Ace Agency have achieved Grand Mega
in the future. Many young athletes will be Agency, creating another first for TMLM.
motivated and the games will surely inspire EPTS led by Mr. Mason Cha has achieved
future generations to participate in the future Mega Agency recognition again, Mr. Lee
Olympic Games. Lai Him achieved a “Triple Crown” in Mega
Agency, Mega Unit and Mega Agent while
We can find the life cycle of “big efforts – Ms. Jessie Chen achieved her 5th COT and
instant excitement – long lasting legacy” 20th MDRT membership.
in many occasions, which also applies in our
Life Insurance Business. Let’s work hard, grow together and continue
“To be a Good Company” for the society!

MESSAGE by I would like to take this opportunity to thank all • Deferment of premium payment by
the agency force for your support to help us policyholder
CAO achieve past year targets with flying colours
and we even achieved them before year end. • Twice a month commission payment for
TOKIO MARINE LIFE MALAYSIA BHD. Kudos to my beloved agency members! agency force

LIEW KIM WAH In 2019, we achieved RM130 million in • Special Interest-Free Loan (IFL) scheme
AFYP sales which was an increase of 17% to agency members
2 over 2018. We have also registered an
exponential growth in the number of MDRT, We have launched T-Marine Pro 2.0 for
increasing from 30 to 40 members. I am also pilot users to start e-submission in this
glad to announce that we were still holding critical period. T-Marine Pro 2.0 is a web-
strong to remain top 7 in the industry. based solution and user friendly application
that enables the entire sales process to be
However, the performance in the 1st half simplified, i.e. from data entry in new business
of 2020 was not as encouraging. We submission to the Straight-Through-Process
experienced a decrease in production and in underwriting, where standard cases with
recruitment due to the unexpected Covid-19 premium payments will be accepted and
pandemic affecting the whole world. I e-policies issued almost immediately after
am very grateful to the agency force who proposal submission. With the introduction of
immediately moved into remote sales during T-Marine Pro 2.0, we aim to achieve a 100%
the Movement Control Order (MCO) period. paper-less e-submission by 1st January
I know it is hard time for the agency force 2021. All new business proposals will have to
to adapt from a usual face to face business be submitted via T-Marine Pro 2.0; therefore,
submission to remote sales but nothing can submission via physical proposal forms will
defeat us if we have the will power. Always be abolished accordingly.
remember that we are here to make things
work! Besides we have also come out with many
incentives to improve agency productivity
The Company had initiated a number and recruitment. It is my wish that the many
of measures, either on its own or with initiatives and campaigns are fully utilised
industry members, which were aimed at by the field force not only as means to
mitigating hardships faced by our agents or enhancing the productivity but also earning
policyholders since the outbreak of Covid-19 that extra incomes to help us tide through this
pandemic and the declaration of Movement challenging period.
Control Order (MCO) in Malaysia. These
included: Finally, let us turn this pandemic to
• Covid-19 Test Fund coverage opportunities and strive to achieve Mission
2020 – Manpower 5000 together!

555CHALLENGE
2019 TOKIO MARINE Be the
CUP
superHERO

Participating TMLI TMLM
Countries (Indonesia) (Malaysia)

TMLS TMLTH
(Singapore) (Thailand)

Tokio Marine Challenge Cup 2019 TMCC CELEBRATION
Final Result DINNER ACHIEVERS

Caterogy 1 - AFYP Growth (%) VS SPLY

Year (LCY '000) Top 3 Agency Manager

Rank Country 2018 2019 Growth (%) Group Production Min RM500,000
MALAIYARASAN S/O SUBRAMANIAM CHAMPION
1 Singapore 3,308 6,218 188

2 Thailand 256,873 464,620 181

3 Indonesia 11,390 14,595 128 EPTS MANSION SDN BHD 1ST RUNNER UP

4 Malaysia 25,777 22,469 87 VISVANATHAN A/L ANGAMUTHU 2ND RUNNER UP

Caterogy 2 - Number of Active Agent VS SPLY

Year (No of Agent) Top 3 Unit Manager

Rank Country 2018 2019 Growth (%) Direct Unit Production Min RM250,000

1 Thailand 716 974 136

2 Malaysia 957 1,251 131 CHENG KWEE LAN CHAMPION

3 Indonesia 251 211 84 RUMAYEE A/P K MUTHUSAMY 1ST RUNNER UP

4 Singapore 62 51 81 TEH KEAT MEI 2ND RUNNER UP

Caterogy 3 - Number of Productive Agent VS SPLY

Year (No of Agent) Top 3 Sales Agent / Sales Manager

Rank Country 2018 2019 Growth (%)

1 Thailand 174 279 160 Personal Production RM80,000

2 Indonesia 14 19 136 KONG SIEW YUK CHAMPION

3 Singapore 22 25 114 SAMBANTHAN A/L ARUMUGAM 1ST RUNNER UP

4 Malaysia 380 336 88 LIM SEE CHEK 2ND RUNNER UP

Caterogy 4 - Active Agent Productive VS SPLY

Year (Ratio) Top 3 Rookie Sales Agent

Rank Country 2018 2019 Growth (%)

1 Thailand 2.41 3.14 130 Personal Production RM55,000

2 Singapore 3.38 3.97 117 SEAH E LYNN CHAMPION

3 Indonesia 1.53 1.60 105 GOH SEE HUI 1ST RUNNER UP

4 Malaysia 3.06 2.50 82

YAP SIEW SIEW 2ND RUNNER UP

Caterogy 5 - Number of Super Producer

Year (No of Agent) Country Top MDRT

Rank Country 2018 2019 Growth (%)

1 Indonesia 34 44 129 JESSY CHEN AGENCY SDN BHD - COT CHAMPION

2 Thailand 157 193 123

3 Singapore 24 18 75 JAYAKUMARI A/P GOPAL - MDRT 1ST RUNNER UP

4 Malaysia 154 74 48

3

2019 AGENCY TOUR QUALIFIERS

AM GROUP CATEGORY JAYAKUMARI A/P GOPAL (BTTW) TANG CHOON KENG (BTTW)
ASIA ACE AGENCY SDN BHD (BTTW) JESSY CHEN AGENCY SDN BHD (KL) TANG KOK WAI (KL)
EPTS MANSION SDN BHD (KL) JONG SUK MOI (KCH) TEOH SOO JIN (BTTW)
JESSY CHEN AGENCY SDN BHD (KL) JULIAN GOH CHEN ZUI (MLK) THAM CHOY YIN (KL)
LEE LAI HIM (MLK) KASTHURI THILAGAM A/P CHINAPEN (JB) THEEBA A/P KERNASAMY (PEN)
LEONG WAI KEONG (PEN) KOH KAE LI (MLK) VANASUNDARI A/P GOVINDASAMY (BTTW)
VISVANATHAN A/L ANGAMUTHU (SBN) KOH WEE KIONG (MLK) WAN CHING CHING (JB)
LIM POH SIONG (KL) KOH YOONG HOE (JB) WEE WAI MING (PEN)
LIM CHAI LOY (BTTW) KONG SIEW YUK (MIRI) WONG CHIA YEE (MLK)
LAU AI LING (JB) WONG KE LOONG (KB)
AM/UM DIRECT UNIT CATEGORY LAU KEE PING (MIRI) WONG KING KIEW (MIRI)
BARKAWI RAMULU A/P RAMULU (KL) LEE MOU AN (MLK) WONG SIEW POH (SBU)
BHARATH A/L SIVARAJ (JB) LEE MOU YEN (MLK) WONG WEI WEN (KCH)
CHENG KWEE LAN (MLK) LEE SIOK LIN (KL) YEE SHIOW HUOY (KL)
FOO THEN HIN (MIRI) LEE TAI LEE (MIRI) YEO SEOW MEI (KUA)
DATO GANESAN A/L K ARUMUGAM (SBN) LEE YUN CHIN (MIRI) YEOH WEI MEI (PEN)
LAM CHUI PENG (MLK) LILY WONG HIE LI (MIRI) YEONG LEE LAN (KL)
POOVANESWARAN A/L THANGAVALU (BTTW) LIM CHAI LOY (BTTW) YOGANATHAN A/L ARNASHELLAN (IPH)
SELVARAJ A/L RAMIAH (SBN) LIM GUAT NGOH (KL) YONG CHENG GEK (JB)
TANG KOK WAI (KL) LIM SEE CHEK (JB)
TEH KEAT MEI (PEN) LIM SIEW TING (KL) NEW AGENT CATEGORY
VINOTH KUMAR A/L KUMARAN (SBN) LING LIING HING (MIRI) CHAN CHIN CHEAK (KCH)
YONG SIN YEE (KCH) LOO LQI KIM (KL) CHONG CHER YEN (MLK)
MARAN A/L THATCHANAMOORTHY (BTTW) DAU KUE LIAN (KCH)
PERSONAL SALES CATEGORY MAYBELLINE GOH HAINIING (MIRI) DINESH A/L BALASUBRAMANIAM (BTTW)
CHAI FOOK ONN (MIRI) MOGAN RAJA A/L THANGAVALU (BTTW) GOH SHIRLEY (MLK)
CHAN KEE CHONG (KCH) MUHAMMAD SHAHRIZUL MUNIR BIN MOHAMED KUMUTAH A/P TANGAVELOO (SBN)
CHEAH GUAT PENG (PEN) LIEU SHEUE JIUN (KCH)
CHIN SHI HUI (JB) NASIR (PEN) NG YOON KOOI (IPH)
CHIONG SZE SENG (SBU) NG MAY LING (MLK) SARAVANAN A/L S.MARIAPPAN (SBN)
CHONG HOW KEE (KL) PANEERSELVAM A/L MARIMUTHU (BTTW) SAW BEE ENG (PEN)
CHONG YOKE CHING (KL) PANG CHEE WEI (KL) THINESHRAAJ A/L SELVARAJ (SBN)
CHUNG SIEW YIAN (MIRI) PANG HUI TIEN (MLK) TING LIAN HWA (KCH)
CORENE GOON SWEE FONG (PEN) RASATHA A/P RAMAN (JB) YAP SIEW SIEW (MLK)
DEVI A/P PALANISAMY (JB) SAMBANTHAN A/L ARUMUGAM (SBN) YONG TECK MING (KK)
EPTS MANSION SDN BHD (KL) SATHIS KUMAR A/L PERUMAL (KL)
DATO GANESAN A/L K ARUMUGAM (SBN) SIOW YIN SAN (JB) **Result as at 31 December 2019. Subject to
HII MING TING (KK) SUMATHI A/P SELLATHURAI (SBN) terms and conditions.
TAN KOK WAN (KCH)

ZAGREB &
BUDAPEST

4

2020 AGENCY 2020 AGENCY
MAIN TOUR ELITE TOUR

N RWAY DENMARK

CONTEST PERIOD FOR BOTH TOURS
PRODUCTION PERIOD:
1 OCTOBER 2019 - 30 SEPTEMBER 2020
RECRUITMENT PERIOD:
1 JANUARY 2020 - 31 DECEMBER 2020

Note: For more information, please refer to circular AGT/004/2020

5

2018 4TH QUARTER

RECRUITMENT
CAMPAIGN

Dream Cruise

6

by Lim Chui Ling, Agency Planning & Support

On the 18th to 21st August 2019, 145 agents had a
wonderful opportunity to fulfil their dreams of sailing on
the Dream Cruise. The arrival of the delegates were
graced with inspiring speeches by Mr Tai Chee Ming,
Head of Sales and Mr Malaiyarasan S/O Subramaniam,
founder of Asia Ace Agency Sdn Bhd. In both their
speeches, they emphasized on the importance of
the Tokio Marine Challenge Cup Contest (TMCC) for
TMLM.

A team building session was held on the cruise’s
basketball court the day after. Delegates had to
work together in stringent conditions to achieve
their objectives in order to win the championship.
Unyielding, unfazed, and by sheer willpower, 6 of
these agents displayed outstanding teamwork and
managed to seize this championship to end the day.

The Dream Cruise were packed with a number of
activities, ranging from spectacular performances
to indoor water activities for all to enjoy. Arrays of
international culinary were provided to delegates who
were all pleased with the gastronomical experience
they were able to relish from this trip.

On top of that, delegates also visited Penang and
Phuket as part of the cruise itinerary. It was indeed
a rewarding experience for the delegates as they
were able to visit 3 countries (Singapore, Malaysia
and Thailand) in such a short period of time and
from just one contest. We, from Agency Planning &
Support hope that all agents had thoroughly enjoyed
this eventful trip and strive to greater heights in the
years to come.

7

Spotlight EVENTS IN TMLM

2019

DTRIPaCNONaTEnSgT

by Lim Chui Ling, Agency Planning & Support
A total of 321 participants flew in on 8 flights to the
“City of Historical Beauty” of Vietnam, Da Nang from
25 September 2019 to 2 October 2019.
The 4D3N tour to the Vietnam’s fourth largest city
started off with a Da Nang city tour. Delegates
immersed with the local landmarks of the city such as
the city’s most iconic symbols, the Dragon Bridge that
breathed flames and gushed water with a change of
colours every few minutes during the night. The city
also offered its famous white sandy beach My Khe
which is not far from the largest Pagoda. The locals
believe the Linh Ung Pagoda that features a 67-meter
tall Lady Buddha statue provides protection to the
fishermen who venture out into rough seas.
During the trip, all our participants had the opportunity
to visit the longest and highest non-stop cable car at
Bana Hill. This resort is famous for its cobblestone
French Village with buildings that look like medieval
castles surrounded by many flower gardens and the
world famous Golden Bridge which exhibits a pair of
giant hands lifting the bridge along the mountainside.
The bridge offers a breath-taking panoramic view of the
valley below Trường Sơn Mountains.

8

A tour to Da Nang will be incomplete without visiting Liew Kim Wah, Chief Agency Office on the company’s
Hoi An, a well preserved Ancient Town. This former updates and to launch the Mission 130 Contest and
South East Asian trading port displays architecture the Bangkok Contest as the final quarter push for the
from mixed eras, from wooden Chinese shop houses to company’s 2019 business. To make the contest more
colourful French colonial buildings. The town gets even exciting, a competition amongst participants by coaches
more stunning when its sunset sparkles on its canal was created. Special momentos for the Potential 2020
and brings out a colourful display of lanterns and boats. MDRT IWC watch qualifiers was given out during the
dinner.
In conjunction with this trip, there was also a get
together dinner to congratulate all the Da Nang Contest Overall, the 2019 Da Nang tour was a memorable trip
qualifiers. A short presentation was presented by Mr for all.

9

Spotlight EVENTS IN TMLM

Chiang Mai2019 NEW AGENT FAST START TOUR
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10

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11

Spotlight EVENTS IN TMLM

2019 INDIAN
AGENCIES

CONVENTION
& RECOGNITION

by Sivakumar Palanisamy, Indian Agency Development

The 4th Indian Agency Convention and recognition was
successfully conducted with the support of all Indian agency
leaders and agency members. For the first time the convention
was held out of Kuala Lumpur, at Bayview Hotel, Penang.

The session was conducted on 15 July 2019 and was attended
by more than 200 qualifiers. The qualifiers are Indian agents
who signed the “Commit & Go” form and completed the
required recruitment and production criterias from January
to April 2019.

The convention kicked off at 8.30am with eminent external
and internal speakers session. The invited speakers were
Mr. James Subra, Mr. Mahalinggam, Mr. S. Sivakumar, Mdm.
Jayashree, Mr. Poovaneswaran, Mr. Vinoth Kumar, Mdm.
Rasatha, Mdm. Kasthuri Thilagam and Mr. Pavitran. The topics
covered were Entrepreneur Mind-set, Activity, Productivity,
MDRT and Recruitment.

The event continued with a recognition session where the
qualifiers of 8 categories received their awards. The awards
were presented by Deputy CEO Mr. Okabe, CAO Mr. Liew Kim
Wah and Head of Sales Mr. Tai Chee Ming. Both Deputy CEO
and CAO congratulated all the agency members for their
positive growth and shared their support to achieve higher
company awards.

All the qualifiers and participants benefitted from the entire
session and committed to complete the 2019 mission.

12

2020 Newly Promoted

AGENCY MANAGER

NIRMALA A/P N POOVANESWARAN A/L PUI JIN TECK (KCH) VINOTH KUMAR A/L
RAMASAMY (JB) THANGAVALU (BTTW) KUMARAN (SBN)

2020 Newly Promoted

UNIT MANAGER

CHAN SIEW LEE DHEEPAH A/P K THANABAL A/L KOH KAE LI (MLK) LIM SEE CHEK MARTIN CHEN JUN
(BTTW) (JB) XIANG (KL)
LUCHMANAN (JB) KRISHNASAMY (JB)

MOGAN RAJA A/L NITHIYANANTHAN A/L PANEERSELVAM A/L SIVARAJ A/L SONG CHOY YOKE THIRUKUMARAN A/L

THANGAVALU (BTTW) ARUMUGAM (SBN) MARIMUTHU (BTTW) SARAWANAN (JB) (JB) PARAMASIVAM (KL)

VANASUNDARI A/P VOON AI MING VOON SHIN MOI YEOH WEI MEI YONG WEI HOONG
(KCH) (PEN) (KCH)
GOVINDASAMY (BTTW) (KCH)

2020 Promotion from Standard Agent to

SALES MANAGER

JENNY LAU CHEN NEE (KCH) TIE YING YING (SBU)
KELLY LIU PEI HUA (KCH) TING HEI SIENG (KCH)
LAU POH MENG (KCH) VASANTHI A/P SUPPAYA (JB)
VOON CHING CHIOW (KCH)
SHANMUGAM A/L GUNASEKARAN (JB) YONG PEI CHING (KCH)
THINAKAR A/L PITCHAKARAN (IPH)

13

Spotlight EVENTS IN TMLM

2020 AGENCY
BUSINESS KICK-OFF

by Lim Chui Ling, Agency Planning & Support

2020 is shaping up to be a busy year for the agency force with
new direction and mission. The once a year Agency Business
Kick-Off event was held in the “city in the sea”, Forest City
International Resort, Johore from 18 to 19 December 2019. This
event was gracefully attended by 700 field force from all over
the country to get first hand company updates and the New Year
initiatives and direction by the company.

The launching ceremony of the 2020 Agency Business mission
– Mission 2020 5000 was officiated by Deputy Chief Executive
Officer, Mr Yoshiaki Okabe, Chief Agency Officer, Mr Liew
Kim Wah, 2019 Mega Agencies as at 18 December 2019, Mr
Malaiyarasan A/L Subramaniam founder of Asia Ace Agency Sdn
Bhd and Mr Mason Cha from EPTS Mansion Sdn Bhd led by
Chief Executive Officer, Mr Toi See Jong.

After the lively gambit, CEO, Mr Toi See Jong took over the
podium to update the agency force on the company’s overall
direction. We also capitalised on the platform to recognise all
our 2019 Mega Awardees and COT with the report as at 18
December 2019:

Awards Category Awardees Name
Mr Malaiyarasan A/L Subramaniam of Asia Ace Agency Sdn Bhd
Mega Agency Mr Mason Cha of EPTS Mansion Sdn Bhd
Ms Cheng Kwee Lan
Mega Unit Ms Ng May Ling
Mega Agent Ms Jessie Chen of Jessy Chen Agency Sdn Bhd
Court of the Table

14

Besides that, 2019 Record Breaking Branches by
Production Growth and 2019 TMCC Contest qualifiers
were also recognised during the day event.
Guest speakers - Ms Rachel Chin, Head of Operations,
Mr Chee Poh On, Assistant Vice President of Agency
Planning and Mr Koh Sing Yeen, Head of Marketing &
Product Strategy all presented some insightful points to
the crowd on the day.
The event continued with CAO, Mr Liew Kim Wah’s
updates on the agency 2020 direction and initiatives
together with the announcement on the 2020 Main Tour
destination and Elite Tour destination.
Overall, the day event was a great success and we
were proud to organise such an energetic event to kick
start the year for the agency force

15

Spotlight EVENTS IN TMLM

2020 AGENCY

BCUeSleINbrEaStSioKnICPKa-rOtyFF

16

by Lim Chui Ling, Agency Planning & Support

As the year 2020 approached, we celebrated one of
the highest awardee recognitions on stage, The 2020
Agency Business Kick-Off Celebration Party. The event
was held by the beach at Forest City International
Resort, Johore. Being the first time Tokio Marine Life
has held an event by the beach, it certainly brought the
“wow” factor and a lighter mood to the dinner that saw
560 participating agency members.

Deputy Chief Executive Officer, Mr
Yoshiaki Okabe kick-started the event
with his opening speech followed by
an ice breaking session by DJ Yen.
The event itself celebrated the hard
work of the agency force for the Tokio
Marine Challenge Cup (TMCC) contest.
Award recognitions for the Top 10 Most
Cases Producer, Top Introducer and Direct Recruiter,
alongside the Branch Overall Champion awards was
given out during the night.

The event ended with DJ Yen, a local famous DJ to
spin off 2019. The crowd not only packed the dance
floor but they also participate in the stage games. The
participants used their best skills and performances to
win prizes.

Overall, it was a great turn out for both the day and night
celebration party of the 2020 Agency Business Kick-Off.

17

RECRUITMENT Highlights

TMC and TMP

T-MARINE CORP and T-MARINE POTENTIAL

UNIT MANAGER updates

by Chua San Kuang, Head, TMC/TMP

T-Marine Corp (TMC) Moving forward, we have scheduled 3 intakes with
batches 13 to 15 in year 2020 as follows:
The first 4 batches of T-Marine Corp (TMC) agents
(TMC 1 to 4) who started the course in 2017 have ended Batch Residential Training Scheme Starts
their first 2-year stints as Assistant Unit Managers in No. Dates
the Agency Leader Development Programme in 2019. 13 17 to 20 March, 2020 1 April, 2020
A total of 12 participants fulfilled the Unit Manager’s 1 July, 2020
advancement requirements of which 8 of them have 14 16 to 19 June, 2020 1 October, 2020
moved forward to be promoted on 1st July 2019, and
another 4 on 1st January 2020 respectively. 15 22 to 25 September, 2020

Following this, there were an additional of 31 participants Based on the feedback from participating leaders and
(TMC 5 to 8) who each achieved a promotion to agents, we have included a 6-month extension period
Assistant Unit Manager in 2019. In the interest of talent for participants who could not be promoted to AUM upon
development, we shall work closely with agents as well completion of Year 1 but have achieved a minimum
as their leaders to ensure that we increase the number production of 80,000 AFYP on top of introducing at
of qualifying agents for Unit Manager in 2020. least 1 new agent. This ‘second chance’ provides the
participants with an opportunity to stay in TMC and
The on-going Unit Manager stage of the first 4 batches continue with the training, guidance and allowances that
provide an encouraging example to participants from are aimed at promoting them to AUM.
subsequent batches in 2018 and 2019. We are now
focusing on measures to ensure effective performance T-Marine Potential Unit
improvement and to increase the numbers of Unit Manager (TMP)
Managers promotable from TMC.
2019 TMP program has ended with 6 participants being
Among the measures that have been implemented promoted to UM with another 3 from 2018 TMP.
were the increased number of monthly Follow-up &
Follow-through (FUFT) sessions to 12 times, mid-term 2020 TMP will commence on 1 April with the residential
residential training with emphasis on recruitment and training scheduled on 18 to 20 March, 2020. Please
additional products counted for Non-Commissionable check with the business development staff at your
Block (NCB) of business. On top of that, the retention branches for all TMC and TMP details.
ratio for NCB business was also implemented in the
post-NCB period for quality business maintenance. We look forward to your active and successful
Training contents and conducts for residential and FUFT participation in 2020 TMC and TMP.
sessions were frequently reviewed by TMTDA to ensure
effective and impactful results. Both TMC and TMP contributed 13 of the 17 newly
promoted Unit Managers on 1 January, 2020.

Heartiest to

all newly TMC and TMP promoted Unit Managers and TMC-AUM!

(see Congratulatory page opposite)

18

T-Marine Potential Unit Manager
Promotion to

Unit Manager’s

ALAN TAN CHUN CHAN SIEW LEE CHENG KAY SIANG K THANABAL A/L KAYALVILI A/P
KEAT KRISHNASAMY MALAIYARASAN

KOH KAE LI KOO GWO SHING LAU AI LING LIM SEE CHEK MARTIN CHEN JUN
XIANG

MOGAN RAJA A/L PANEERSELVAM A/L RASATHA A/P RAMAN SIOW YIN SAN SONG CHOY YOKE
THANGAVALU MARIMUTHU

THILAKAMALAR A/P VANASUNDARI A/P VIKHNEESH A/L
MARIMUTHU GOVINDASAMY SUBRAMANIAM

19

T-Marine Corp Promotion to

Assistant Unit Manager (AUM)

ARUNKUMAR A/L P CHAI SINN NIEE CHIA TEE HAO CHONG HONG KANG CHUA XIAO NEE FADHLIN SAKINA
KUNASEGRAM BINTI MOHD RAJIDI

GOVENDRAN A/L HAN SUN TEE IVY LEE JIN YEE KHAW MAN TING KUMAR A/L KUMUTAH A/P
PALANIAPAN SUBRAMANIAM TANGAVELOO

LETCHUMI A/P LIEW KENG HUEY LIM HAU CHIA LIM KUI KEE MADHURI A/P MARAN A/L
RAMAKRISHNAN R J RAJA THATCHANAMOORTHY

MARIMUTHU A/L NANDINI A/P NG SIN YEE NURIDWAN BIN ONG SWEE LEONG PAULINE LUA YA
M.ARALAPAN ASOKAN MUHAMMAD QING

PRAKASH A/L SU NGA KWONG SYAMIRA AIN BINTI THANALETCHUMY THIVYAH AP TING HENG KAH TIOW MEI CHEN
KINDNASAMY SAGADEVAN
SUHAIMIN AP GANESAN

20

T-Marine Corp (AUM) Promotion to

Unit Manager

BALA MURUGAN JULIAN GOH KHAW MAN GEE NITHIYANANTHAN
A/L MUTHU CHEN ZUI A/L ARUMUGAM

PHANG JIN PING SATHISKUMAR THIRUKUMARAN TOH FONG MING
A/L MORTHY A/L PARAMASIVAM

VOON AI MING YAP KOK HIN YONG WEI HOONG

21

TRAINING Highlights

REACHING
NEW HEIGHTS

by Heidi Chong

The 2019 Malaysia MDRT Day was held at Dewan Merdeka, PWTC, Kuala Lumpur on 3 Aug 2019. It was a highly
stimulating and dynamic event which was attended by more than 2,000 industry professionals around the region such
as India, Cambodia and Vietnam. The annual event addressed pertinent factors in discovering one’s full potential in
their goal towards the MDRT status, to inspire and motivate life insurance advisors to achieve greatest successes in
their careers.

The convention brought an array of top class speakers and financial planners from around the world with 16 local and
international speakers who are current members of the Million Dollar Round Table (MDRT), Court of the Table (COT)
and Top of the Table (TOT). The speakers shared valuable and effective sales techniques and ideas, best practices
as well as paving an inspirational road to the MDRT experience.

This year, we have nine (9) qualifiers for “2019 Special Contest Commit & Attend”. The qualifying criteria is illustrated
below:

Contest Title 2019 Special Contest Commit & Attend

Contest Period 2 May – 3 June 2019 (All policies to be in forced by 1 July 2019)

Target Audience Personal Sales All Rank (AM/UM/SM/SA)
- Members of Advancement in Managing Sales Programme (AIMS)

Ticket Personal Production (AFYP)
RM30,000
1
(worth RM400 per ticket to attend MDRT Malaysia Day)

MDRT is a global association that recognises top performing life insurance advisor and financial advisors around the
world. Malaysia has 1,356 MDRT members, representing 1.2% of the best life insurance advisors in Malaysia.

This year’s #YOLO” (You Only Live Once) motto for 2019 MDRT Malaysia Day is to inspire Life insurance advisors
with an objective to conquer new frontiers with new ideas to grow their business - the MDRT way. Besides, it also
encourages the future generation to demonstrate exceptional professional knowledge, ethical code adoption, and
outstanding client service for the lives of their clients.

22

TRAINING Highlights

2019 TMLM MDRT FINAL SPRINT

by Heidi Chong
On Oct 22, TMLM had an inspiring and heartfelt conference by Dr. Sanjay
Tolani on “ How to Hit 50% of Your Target in the Last 60 days of 2019” as the
final sprint for our 42 life insurance advisors – 2 MDRT (Million Dollar Round
Table) Qualifiers and 40 MDRT Aspirants to deliver another ground-breaking
performance for 2019.
Dr. Sanjay shared his own unique sets of Final Sprint Strategies, a powerful
step by step method he personally applied in the last 60 days of the year to
achieve his sales target. He is a 17-year member of the MDRT– The Premier
Association of Financial Professionals, with 2 Court of the Table (COT), 13
Top of the Table (TOT) honours and 5 years Platinum Dragon. In 2003, he
became the youngest member at the age of 19, and qualified as the Youngest
Life Member in 2012 at the age of 28. In Sept 2019, he successfully attained
100x MDRT production and his secret to success lies in proper final sprint
strategies. At the end of the conference, participants adjourned to a “Get-
Together” dinner in the fabulous Royale Chulan Hotel, The Curve.
The dinner was kicked-off by Mr. Liew Kim Wah, Chief Agency Officer. In his
opening remark, he believed that 2019 has proven to be an exciting year
for Tokio Marine Life Malaysia in remaining committed to its 2019 goals of
producing 40 MDRT qualifiers. This event played an important role to inspire
the attendees to aim towards qualifying as a MDRT, and to add this prestigious
international recognition to their achievements.
Ms Eunice Loo Lqi Kim and Thomas Cheow Nam Fee were invited to speak
at the “Get-Together” dinner, with their topics of “It is a Must to be MDRT”
and “How I Achieved My MDRT”. Sales ideas, strategies and concepts were
shared to help attendees unlock their potential to meet accelerated growth
as a MDRT. The attendees gained valuable experience which helped them to
continuously grow by participating in a peer meetup and roundtable discussion
at the dinner.

23

TRAINING Highlights

3D2N

RESIDENTIAL
TRAINING AT

GENTING AWANA

by Esther Wang ABCDE Model

It is the first time the company has organised a Aim what do you want to achieve?
residential training contest for Balance Score Card
(BSC) underperformers. The qualifiers of the contest Believe the right mindset.
were offered the opportunity to attend a 3D2N residential
training at Genting Awana. There were 18 qualified Challenges the reality. How to overcome?
agents who participated in the residential training from 6
to 8 November 2019. Deliver the results.

The participants have been trained by one of the most Enjoy rewards
sought-after external facilitators, Mr. Hanzo from Sales
Ninja. He has shared his “Success Formula - ABCDE
Model” along with powerful stories that inspired the
participants to compete and achieve more.

During the residential training, the participants
underwent multiple mini contests including a real life
challenge where they were required to sell a product at
a higher price on the streets within the given timeframe.
The activities were planned to train participants’ mental
strength and commitment in achieving targets.

Throughout the training, the participants were
programmed with a “Can Do” mindset and to push
through to achieve the targets no matter what it took.

24

BSC KEY KPI 2
CHANGES
IN 2020 (CFF)

KPI 1 ● Minimum requirement increased
from 20% to 70% of policy sold with
(NOP / AFYP) CFF Option 1 (Full Disclosure) or 2

Removed with effect from (Partial Disclosure).
1 January 2020
● Agent must produce at least
12 cases to qualify for over-

performance

2020 Revised BSC KPI

Effective: 1 January 2020

KPI Min Requirement** KPI Weightage
–
No. of Cases / AFYP Not Applicable
20%
Customer Fact Finding (CFF) 70% of Option 1 OR Option 2 25%
30%
Persistency A) 1st Year – 90% 10%

B) 2nd Year – 80% 15%

Substantiated number of Complaints Zero 100%
(Conclusive Complaints)

CPD Hours 30 CPD Hours with 5 Hours Relevant
Program

Total

Note: Please refer to Agency Circular AGT/114/2019 for more info
** Based on Normal KPI of 100%

25

WHY
T-MARINE
PRO 2.0 is
IMPORTANT

Paperless

Electronic Signature,
Electronic Submission,

Document Caption,
E-Payment &

E-Policy Speed & Efficiency

Reduce Procession

Compliance Turn-around Time

Fulfilled BNM Accuracy
Guideline & Provide

Proper Advice &
Recommendation

System - driven
Validation - reduce
possibility of key-in /

manual writing
errors

Convenient Customer Purchase
Experience
Do Sales at Anytime
& Anyway Real Time Results

26

GNoeowds!

You can now pay for your
insurance premiums via e-wallet at
our counters effective 3 Feb 2020!

8:30

PAY

27

TM inTUNE

branch updates...

EAST 1 3
MALAYSIA 4
REGION

Photos 1-3 2
Kuching - BOP
5 August 2019

Photo 4
Kuching - Branch Kick-Off
& Christmas Gathering

NORTHERN 5 8
REGION 9
10
Photo 5 6
Butterworth - BOP 7

Photo 6
Butterworth & Penang
- Doctor Sharing on Stem
Cell

Photo 7
Butterworth & Penang
- Superstar Program
8 August 2020

Photo 8
Ipoh - Best Program

Photo 9
Ipoh - Jessy Chen Agency
Sdn Bhd Ipoh Branch
Opening

Photo 10
Ipoh - TMCC Launching

28

SOUTHERN 11 17
REGION 18
19
Photo 11 12 20
Johor Bahru - Blood 13 21
Donation 26 Oct 22

Photo 12 29
Johor Bahru - Deepavali
Welcome Back Gathering
6 Nov

Photos 13 - 17
Johor Bahru - Hokenbito
Roadshow 6 to 8 Dec

Photos 18 - 19
Melaka - Mahkota
Hospital CPR Day

Photo 20
Melaka - TMAF 2019
Annual Review & Dinner

Photos 21 - 22
Melaka - TMLM Blood
Donation

14

15

16

MARKETING Highlights
COMMUNICATION

INDUSTRY
RECOGNITION

Tokio Marine Life Malaysia tops category
for BestBrands in Insurance Solution

Tokio Marine Life Insurance Malaysia Bhd. (TMLM) was the proud
winner for the award category of BestBrands in Insurance Solutions
at The BrandLaureate World BestBrands Awards 2019, which was
held on 31 October 2019 at the Shangri-La Hotel, Singapore.

The award acknowledges TMLM’s ability to keep abreast with the
ever evolving nature of technology and digital growth, in improving
operations and providing efficiency in customer experience.

LOOK BEYOND
PROFIT
Drawing smiles from the children
of Yayasan Sunbeams Home

TMLM visited Yayasan Sunbeams
Home on 28 September 2019 with
the aim to spread some cheer to the
children there in conjunction with World
Smile Day, which is celebrated on the
first Friday of every October.

Twenty staff from TMLM took part
in this event to participate in a mural
painting session to beautify an old wall
outside children’s bedroom, together
with an art workshop to teach the little
ones some handicraft work. The event
culminated in 100 items produced by
the children at the workshop and was
sold to raise RM 3,000 for Yayasan
Sunbeams Home.

30

MARKETING

COMMUNICATION Highlights

“Hoken” means insurance;
“Bito” means professional person.

“Hokenbito Cares for You” road show was held in Paradigm
Mall, Johor Bahru on 6 – 8 December 2019. We provided
complimentary life insurance consultation and health checks
in collaboration with Regency Specialist Hospital.
We thank our agents who contributed and supported us
throughout the road show. Together, we are striving as a
“Good Company”, build a strong and productive agency force
and continue to win the trust of our customers. Be proud to be
a Tokio Marine “Hokenbito”!

31

TokioMarine

BrightFuture

TokioMarine-BrightFuture offers a golden opportunity for parents
who wants to save and prepare for their child’s future expenses.

MARRIAGE START-UP BIZ HOME

EDUCATION CAR

PRODUCT HIGHLIGHTS

6 SHORT
Premium Payment Term
YEARS

PAYMENT TERMS

100% GUARANTEED Cash Payments
and Maturity Benefit
GUARANTEE

Protection for
YOU and YOUR CHILD

Potential INVESTMENT Gain

(with optional regular top-up into Investment-Linked Funds)

End of Policy Year Guaranteed Cash Pay Out
(Percentage of Sum Assured)
18
19 150% (GCP)
20 150% (GCP)
Total 630% (Maturity)

930%

32

It’s Time to Redeem the WELCOME GIFT!

* Applicable to TokioMarine-iLady with iBaby rider policyholder

Upon successful delivery of the child

REDEMPTION OPTIONS

First Annual Pay RENEWAL
Premium WAIVED Premium

OPTION 1 OPTION 2 OPTION 3 OPTION 4

WAIVE of first WAIVE of first Pay RENEWAL Pay RENEWAL
annual premium for annual premium for PREMIUM for PREMIUM for ANY
TOKIOMARINE – ANY PRODUCT up TOKIOMARINE – PRODUCT up to
BRIGHTFUTURE to RM1,500 BRIGHTFUTURE RM1,500
up to RM3,500 up to RM3,500

Note:
a. Welcome Gift is not exchangeable to any monetary benefit and any excess amount will not be refunded.
b. The validity of this Welcome Gift is six months from the “Welcome Gift Letter” letter date.
c. Welcome Gift entitlement will be void upon any cancellation after the policy issued.
d. TokioMarine-iLady policy must be inforce with premium paid up to date during the claim of the Welcome Gift.

Welcome Gift Letter for eligible policyholder will be available
in e-Services and Agency Portal*

*Please refer to the terms and conditions in the Welcome Gift Letter for more details.

33

Hospitalisation Claim Process
for Admission & Discharge

Process Flow - Admission

Hospital call to Hospital forward Deferment sent Hospital receives End
verify patient’s completed Pre- to hosipital to get initial GL and
Authorization Form more information Insured gets
eligibility
admitted to hospital

Need more info

Cover?

MiCare verify MiCare review the No Yes
Insured details Pre-Authorisation
MiCare to issue Initial GL faxed to
Form decline letter to hospital

Hospital

Process Flow - Discharge

Hospital to provide Deferment sent Hospital received Hospital advise
MiCare completed to hospital to get Final GL and Insured on the
more information Notification of covered amount
discharge
documents for Excess from MiCare Insured to pay
Final GL Issuance excess amount pior
Need more info
Receive full to discharge
documentation Assessment Send Final GL
from Hospital Done to Hospital Insured discharge
from Hospital
34 No Yes
End
Decline and
retract Initial GL

Hospitalisation Claim Process
for Decline Case

Hospital call to verify MiCare verify
patient’s eligibility Insured details

Hospital forward MiCare review the
completed Pre- Pre-Authorisation
Authorization Form
Form

No

Cover? Micare to issue
decline letter to

Hospital

No NON-D/PEC
found

Micare issue IGL / FGL Investigation Case send to
completed Tokio Marine for
Underwriter revisit the
proposal based on the investigation
newly found evidence &

issue COL

NON-D/PEC found

35

Preferred Hospitals

Sentosa Medical Center, NSCMH, Seremban,
Klang Negeri Sembilan

Lam Wah Ee, Anson Bay Medical Center,
Penang Island Teluk Intan, Perak

Overview of Benefits

(subject to agreement with certain Hospitals)

Faster Exclusive Complimentary of Complimentary
Guarantee Letter Packages for admission kit medical report fees
issuance time certain surgery
Online WhatsApp Free parking
Discounted Waive deposit appointment booking or discounted
charges on upon admission valet parking
consultation fees with specialists
during admission

Complimentary
meal & sofa bed /
inclining chair for

guardian

36

CLAIMS TPD Claim

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

INSURANCE Female 3 450,000
31-40 1 50,000
41-50
Male 2 110,000
21-30 3 160,000
31-40 7 659,000
41-50 3 67,000
51-60 19 1,496,000

Grand Total

* The statistics above is based on claims reported during 1 Jan 2019 - 31 December 2019

INSURANCE CARD

CI ClaimN1MA2O3MNT4HE5/YS6EAU7R8RN0A0/0M0 E Death Claim Medical Claim At A Glance

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

Claim Description No. of Claim Amount Claim Description No. of Claim Amount 11.7%
3.8%
Female Contract (RM) Female Contract (RM) 7.8% 17.4%
11-20
1-10 3 150,000 Accident 1 100,325 8.2% 11.0%
Other Other Diseases 1 125,149 10.9%
21-30 3 90,000 21-30 1 22,396 9.4% 9.9%
Cancer Accident 1 101,221
31-40 7 220,000 Cancer 2 73,792 9.9%
Cancer 1 20,000 Other Diseases 1 20,000
End Stage Kidney Failure 6 466,397 Other 1 2,360 Injury, poisoning and certain other consequences of external causes
Other 31-40 3 65,123 Neoplasms
41-50 18 925,000 Accident 2 38,188 Diseases of the digestive system
Cancer 1 50,000 Cancer 11 653,175 Diseases of the respiratory system
Serious Coronary Artery Coronary Heart Disease 3 60,000 Diseases of the musculoskeletal system and connective tissue
Disease 7 854,000 Other Diseases Diseases of the circulatory system
Other Other 3 719,530 Certain infectious and parasitic diseases
51-60 18 525,000 41-50 10 392,914 Diseases of the genitourinary system
Cancer 6 340,000 Accident Diseases of the eye and adnexa
End Stage Kidney Cancer 3 571,922 Others
Failure 1 10,000 Coronary Heart Disease 20 1,326,958
Heart Attack 1 27,000 Other Diseases
Other Other 4 245,219
61-70 6 110,000 51-60
Cancer 1 69,164 Cancer 22 674,282
Other 79 3,856,561 Coronary Heart Disease 7 201,404
Other Diseases
Total (Female) 1 48,000 Other 30 1,212,485 Medical Claim Claim %
61-70 5 84,827 Diagnosis Amount (RM)
Male 1 30,000 Accident
1 20,000 Cancer 2 35,931 Injury, poisoning 20,271,970 17.4%
1-10 Coronary Heart Disease 17 534,852 and certain other 12,840,017 11.0%
Other 2 380,000 Other Diseases consequences of 12,629,057 10.9%
21-30 Other 6 102,139 external causes 11,534,223 9.9%
Cancer 1 5,000 71-80 31 869,122 Neoplasms
End Stage Kidney Cancer Diseases of the 11,504,804 9.9%
Failure 4 115,000 Coronary Heart Disease 2 20,000 digestive system
Other 2 110,000 Other Diseases Diseases of the 10,943,013 9.4%
21-30 2 40,000 81-90 5 185,963 respiratory system 9,534,910 8.2%
Angioplasty And Other Accident 2 49,773 Diseases of the
Invasive Treatments For 2 50,000 Cancer 31 858,865 musculoskeletal 9,039,047 7.8%
Coronary Artery Disease 3 114,000 Coronary Heart Disease system and 4,417,208 3.8%
Cancer Other Diseases 1 18,702 connective tissue 13,579,926 11.7%
Heart Attack 1 1,000 91-100 2 54,445 Diseases of the 116,294,174 100.0%
Serious Coronary Artery Other Diseases 1 48,540 circulatory system
Disease 5 380,000 Total (Female) 14 726,064 Certain infectious
Stroke 3 95,000 and parasitic
Other 4 180,000 1 99,560 diseases
41-50 246 10,295,225 Diseases of the
Angioplasty And Other 1 300,000 genitourinary
Invasive Treatments For 8 628,325 Male 4 193,548 system
Coronary Artery Disease 11-20 1 112,895 Diseases of the eye
Cancer 1 1,000 Accident 1 20,000 and adnexa
Heart Attack Other Diseases 9 2,270,894 Others
Serious Coronary Artery 8 260,000 Other 4 224,940 TOTAL
Disease 2 60,000 21-30 8 707,997
Stroke 6 150,000 Accident 2 150,065 * The statistics above is based on claims notified as at
Other Coronary Heart Disease 3 247,821 31 Dec 2019
51-60 4 236,024 Other Diseases 11 928,418
Angioplasty And Other Other 23 1,219,365
Invasive Treatments For 3 85,000 31-40 5 94,015
Coronary Artery Disease 2 75,000 Accident 2 189,008
Cancer Coronary Heart Disease 2 36,591
Heart Attack 67 3,363,349 Other Diseases 12 425,772
Serious Coronary Artery Other 30 1,812,709
Disease 41-50 12 690,913
Other Accident 6 189,022
61-70 Cancer 13 669,319
Cancer Coronary Heart Disease 23 905,131
Serious Coronary Artery Other Diseases 51 3,800,015
Disease Other 13 321,685
51-60 1 11,430
Total (Male) Accident 13 960,521
Cancer 7 369,053
Grand Total 146 7,219,910 Coronary Heart Disease 67 4,324,883 Gender No of Case Claims Amount
Other Diseases 4 283,295
* The statistics above is based on claims reported during Other 1 13,813 Male 14,031 64,884,067
1 Jan 2019 - 31 December 2019 61-70 9 614,347 Female 12,367 51,410,107
Accident 5 113,384 Total 26,398 116,294,174
Cancer 38 2,132,924
Coronary Heart Disease 1 15,515
Other Diseases 1 21,512
Other 16 493,723
71-80 1 34,967
Accident 399 24,599,488
Cancer 645 34,894,713
Coronary Heart Disease
Other Diseases
Other
81-90
Cancer
Other Diseases
91-100
Other Diseases
Total (Male)

Grand Total

* The statistics above is based on claims reported during
1 Jan 2019 - 31 December 2019

37