Be ready for anything. Life is unpredictable, but not out of control. Prepare for the unexpected with Life Protection inclusive of 48 Critical Illnesses Coverage under PHM Prime Life 48 Program.
Submit the nomination form along with the supporting documents to cs@metafin.com.my
Your nomination will be reviewed accordingly and if approved.
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 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 of Insured attaining age 80 years old (next birthday).
The plan is guaranteed yearly renewable of Insured attaining age 80 years old (next birthday).
No. You just need to answer 4 simple health questionnaires.
Upon successful application of the plan, you will be receiving your eCertificate via email.
Yes, you may change your payment frequency mode upon Certificate renewal. Only Annual or Monthly mode is allowed for this plan.
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.
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.
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.
No, reinstatement of a lapsed policy is not allowed. Therefore, it is important that you pay your premium on time.
Disclaimer: MetaFin users have the option to directly self-sign up for the PHM Prime Life 48 Program in the MetaFin DIY Digital platform. This program is underwritten by Manulife Insurance Berhad, and the enrollment process is facilitated by authorized insurance agency, Pathlab Health Management (M) Sdn. Bhd. The information herein may not fully reflect the context of the product disclosure sheet and full terms of the policy. Please refer to the documents for a detailed description of the product's features and the conditions under which any claims are made. MetaFin is not liable for misinterpretation of product benefits and claim conditions as described in the policy wording sheet and product disclosure sheet.
