One of Malaysia's Most Affordable & Complete Life Insurance Plans!

48 Critical Illnesses Coverage
RM300,000

Life Coverage
RM300,000

Accidental Coverage
RM600,000

61 Annual Blood Screening
+ 5 Cancer Markers

Sign Up Now

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Authorised Insurance Agency:

PHM

Underwritten By:

Manulife

Benefits of Life Insurance

critical illnesses

48 Critical Illness Coverage RM300,000

life coverage

Life Coverage RM300,000

accidental coverage

Accidental Coverage RM600,000

no medical checkup

No medical checkup

guaranteed renewable

Guaranteed yearly renewable

PHM Prime Life 48 Leaflet
Pricing Plan

Find the Right Plan

limited time offer

Silver Plan

RM40
/monthly
Please refer the pricing in Product Disclosure Sheet (PDS)*
  • Exclusive Discount Voucher of 50% on Annual Comprehensive Health Screening
  • Pathlab Exclusive Discount of 50% on Blood Test
  • Pathlab Exclusive Discount of 20% on Health Supplement
  • Protect 48 critical illnesses
  • Critical illnesses coverage RM50,000
  • Life coverage RM50,000
  • Accidental coverage RM100,000
Buy Now
limited time offer

Gold Plan

RM69.58
/monthly
Please refer the pricing in Product Disclosure Sheet (PDS)*
  • 35-Tests annual blood screening
  • Pathlab Exclusive Discount of 50% on Blood Test
  • Pathlab Exclusive Discount of 20% on Health Supplement
  • Protect 48 critical illnesses
  • Critical illnesses coverage RM100,000
  • Life coverage RM100,000
  • Accidental coverage RM200,000
Buy Now
limited time offer

Platinum Plan

RM122.33
/monthly
Please refer the pricing in Product Disclosure Sheet (PDS)*
  • 61-Tests annual blood screening & 1 cancer marker screening - AFP liver related worth RM220
  • Pathlab Exclusive Discount of 50% on Blood Test
  • Pathlab Exclusive Discount of 20% on Health Supplement
  • Protect 48 critical illnesses
  • Critical illnesses coverage RM200,000
  • Life coverage RM200,000
  • Accidental coverage RM400,000
Buy Now
limited time offer

Diamond Plan

RM177.33
/monthly
Please refer the pricing in Product Disclosure Sheet (PDS)*
  • 61-Tests annual blood screening & 5 cancer marker screening worth RM590
  • Annual Cancer Marker Screening
  • Pathlab Exclusive Discount of 50% on Blood Test
  • Pathlab Exclusive Discount of 20% on Health Supplement
  • Protect 48 Critical illnesses
  • Critical illnesses coverage RM300,000
  • Life coverage RM300,000
  • Accidental coverage RM600,000
Buy Now

Silver Plan

RM450
/ yearly
Please refer the pricing in Product Disclosure Sheet (PDS)*
  • Exclusive Discount Voucher of 50% on Annual Comprehensive Health Screening
  • Pathlab Exclusive Discount of 50% on Blood Test
  • Pathlab Exclusive Discount of 20% on Health Supplement
  • Protect 48 critical illnesses
  • Critical illnesses coverage RM50,000
  • Life coverage RM50,000
  • Accidental coverage RM100,000
Buy Now

Gold Plan

RM775
/yearly
Please refer the pricing in Product Disclosure Sheet (PDS)*
  • 35-Tests annual blood screening
  • Pathlab Exclusive Discount of 50% on Blood Test
  • Pathlab Exclusive Discount of 20% on Health Supplement
  • Protect 48 critical illnesses
  • Critical Illnesses coverage RM100,000
  • Life coverage RM100,000
  • Accidental coverage RM200,000
Buy Now

Platinum Plan

RM1,360
/yearly
Please refer the pricing in Product Disclosure Sheet (PDS)*
  • 61-Tests annual blood screening & 1 cancer marker screening - AFP liver related worth RM220
  • Pathlab Exclusive Discount of 50% on Blood Test
  • Pathlab Exclusive Discount of 20% on Health Supplement
  • Protect 48 critical illnesses
  • Critical illnesses coverage RM200,000
  • Life coverage RM200,000
  • Accidental coverage RM400,000
Buy Now

Diamond Plan

RM1,960
/yearly
Please refer the pricing in Product Disclosure Sheet (PDS)*
  • 61-Tests annual blood screening & 5 cancer marker screening worth RM590
  • Annual Cancer Marker Screening
  • Pathlab Exclusive Discount of 50% on Blood Test
  • Pathlab Exclusive Discount of 20% on Health Supplement
  • Protect 48 critical illnesses
  • Critical illnesses coverage RM300,000
  • Life coverage RM300,000
  • Accidental coverage RM600,000
Buy Now
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Quick & Easy

Complete your nomination
within 3 Minutes only!

01
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Download & fill in
the nomination form

Nomination Form
02
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Submit the nomination form along with the supporting documents to cs@metafin.com.my

03
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Your nomination will be reviewed accordingly and if approved.

FAQ

Frequently Asked Questions

What is PHM Prime Life 48 Program?

PHM Prime Life 48 is a non-participating yearly renewable group term life plan offered to customers of Pathlab Health Management (M) Sdn Bhd (“PHM”).

Customers between age 30 days old to 65 years old (next birthday) may purchase this life insurance plan for coverage against death, Total and Permanent Disability (“TPD”) due to natural and accidental causes and Accelerated Critical Illness Benefit. The plan is guaranteed yearly renewable up to Insured attaining age 80 years old (next birthday).

What is the coverage term?

The plan is guaranteed yearly renewable up to Insured attaining age 80 years old (next birthday).

Do I need to undergo medical check-up to buy the plan?

No. You just need to answer 4 simple health questionnaires after selecting your desired membership package.

How do I receive my Certificate document after purchase?

Upon successful application of the plan, you will be receiving your eCertificate via email.

Can I change my payment frequency mode?

Yes, you may change your payment frequency mode upon Certificate renewal. Only Annual or Monthly mode is allowed for this plan.

Can I change the amount of cover after purchasing it?

You can opt to reduce the amount or downgrade the plan but increase the amount or upgrading the plan is not allowed.

To whom will my Certificate of Insurance pay in the event of death?

The benefits will be paid to whom you have nominated as your beneficiaries. For Total and Permanent Disability claim or Accelerating Critical Illness claim, the benefits will be payable to you.

Will my insurance coverage terminate if I’m no longer a customer of PHM?

Yes. If you are no longer a customer of PHM, your Certificate of Insurance will continue to be in force and the benefit under the said Certificate shall continue to apply until the day immediately before the next premium due date. Thereafter, the coverage will completely cease and the Certificate will not be renewed.

Will my insurance coverage terminate if the Master Policy has been terminated?

Yes. If the Master Policy has been terminated, your Certificate of Insurance will continue to be in force and the benefit under the said Certificate shall continue to apply until the day immediately before the next premium due date. Thereafter, the coverage will completely cease and the Certificate will not be renewed.

If my Certificate of Insurance is terminated 30 days after non-payment of premium (lapsed), can I revive my policy?

No, reinstatement of a lapsed policy is not allowed. Therefore, it is important that you pay your premium on time.

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References

Important Documents

PHM Prime Life 48 PDS PHM Prime Life 48 Master Policy Policy Ownership Nomination Form

Disclaimer: MetaFin is a neutral digital platform, serving solely as a facilitator and marketplace and not a product provider. MetaFin facilitates listings independently offered by licensed corporate insurance and takaful agencies, and other service providers directly to end users. MetaFin does not endorse, or manage any insurance or takaful products. Each corporate agency is fully responsible for its own product content, compliance, and transactions conducted through the MetaFin platform. Participating agencies must comply with Financial Services Act 2013 (FSA) and/or the Islamic Financial Services Act 2013 (IFSA) by Bank Negara Malaysia (BNM). Manulife Insurance Berhad is a member of PIDM. The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Manulife Insurance Berhad or PIDM (visit www.pidm.gov.my).

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