MCIS Life MCIS Life

Cover your crucial protection gaps with SuperSeries

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The benefit(s) payable under eligible product are protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact MCIS Life or PIDM (visit www.pidm.gov.my).
SuperSeries

Cover your crucial protection gaps with SuperSeries

I'm Interested Download Brochure
The benefit(s) payable under eligible product are protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact MCIS Life or PIDM (visit www.pidm.gov.my).

An easy and affordable life insurance plan to protect those you care about

Key Features

Protection against Death, Total and Permanent Disability (TPD) & Critical Illnesses
Up tp 3x coverage for Accidental Death
Guaranteed Cash Payments up to 4.75% of Basic Sum AssuredCoverage increases by 10% of the basic Sum Assured every 5 years
Maturity Benefit of 100% of the In-Force Sum Assured
2 different plans with optional Survival Benefit

What is SuperSeries?

Financial security is important for any family because it provides a foundation for stability, well-being, and opportunity. Individuals who have loved ones that depend on their income will face a unique set of challenges, whereby their unforeseen death can have a devastating financial impact on the lives of their loved ones.

Life insurance is particularly important for these individuals, as it will help their loved ones manage their financial obligations, cover funeral expenses, or maintain their standard of living, in the event of their demise.

While creating this important financial safety net, true financial freedom is also about having the means to achieve financial milestones, both as an individual and for your family. This includes securing enough for an education fund, a retirement fund, a home, a car, and leisurely activities.

That’s why we’ve made SuperSeries, a regular premium, non-participating whole life protection plan that provides a financial safety net for your loved ones. SuperSeries is ideal for individuals who have loved ones that depend on their income and are looking for a flexible plan that allows them to choose crucial benefits that they can afford.

What critical illnesses are covered under SuperSeries?

There are 36 critical illnesses covered under SuperSeries, which are:

  1. Alzheimer’s Disease/Severe Dementia
  2. Angioplasty And Other Invasive Treatments For Coronary Artery Disease
  3. Bacteria Meningitis – Resulting In Permanent Inability To Perform Activities Of Daily Living
  4. Benign Brain Tumor – Of Specified Severity
  5. Blindness – Permanent And Irreversible
  6. Brain Surgery
  7. Cancer – Of Specified Severity And Does Not Cover Very Early Cancers
  8. Cardiomyopathy – Of Specified Severity
  9. Chronic Aplastic Anemia – Resulting In Permanent Bone Marrow Failure
  10. Coma – Resulting In Permanent Neurological Deficit With Persisting Clinical Symptoms
  11. Coronary Artery By-Pass Surgery
  12. Deafness – Permanent And Irreversible
  13. Encephalitis – Resulting In Permanent Inability To Perform Activities Of Daily Living
  14. End-Stage Liver Failure
  15. End-Stage Lung Disease
  16. Full Blown AIDS
  17. Fulminant Viral Hepatitis
  18. Heart Attack – Of Specified Severity
  19. Heart Valve Surgery
  20. HIV Infection Due To Blood Transfusion
  21. Kidney Failure – Requiring Dialysis Or Kidney Transplant
  22. Loss Of Speech
  23. Major Head Trauma – Resulting In Permanent Inability To Perform Activities Of Daily Living
  24. Major Organ / Bone Marrow Transplant
  25. Motor Neuron Disease – Permanent Neurological Deficit With Persisting Clinical Symptoms
  26. Multiple Sclerosis
  27. Muscular Dystrophy
  28. Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection
  29. Paralysis Of Limbs
  30. Parkinson’s Disease – Resulting In Permanent Inability To Perform Activities Of Daily Living
  31. Primary Pulmonary Arterial Hypertension – Of Specified Severity
  32. Serious Coronary Artery Disease
  33. Stroke – Resulting In Permanent Neurological Deficit With Persisting Clinical Symptoms
  34. Surgery To Aorta
  35. Terminal Illness
  36. Third Degree Burns – Of Specified Severity

What are my options with SuperSeries?

With SuperSeries, you have the option of two plans:

1. Super

Super covers all the benefits mentioned above and comes at a lower Premium compared to SuperTreasure, making it the more affordable option.

2. SuperTreasure

SuperTreasure covers all the benefits of Super. However, you will have to pay a higher premiums to receive a yearly payment. This is equal to 5% of the Basic Sum Assured while your policy is in-force, starting from the end of the 10th policy year until the policy ends.

* Only applicable for SuperTreasure.

How much protection will me and my loved ones get?

The Basic Sum Assured (BSA), also known as the guaranteed amount of money paid upon the Life Assured’s death, ranges from RM25,000 to RM100,000 depending on the plan you choose.

Increasing Sum Assured To Cope With Increasing Cost Of Living

The sum assured of the policy will be increased by 10% of Basic Sum Assured on the policy anniversaries following the completion of every 5 years until end of the policy term. The Basic Sum Assured plus all increments shall be referred to as the In-Force Sum Assured.

Critical Illness Benefit

  1. Upon diagnosis of any of the 36 critical illnesses (except for Angioplasty And Other Invasive Treatments For Coronary Artery Disease), 100% of the In-Force Sum Assured(2) will be payable.
  2. Upon diagnosis of Angioplasty and other Invasive Treatments For Coronary Artery Disease, 10% of the In-Force Sum Assured (subject to maximum of RM25,000) will be payable. This covered event is only payable once under this policy.

Maturity Benefit

At maturity of the policy, 100% of the In-Force Sum Assured1 will be payable.

Total and Permanent Disability (TPD) Benefit

In the event of TPD before age 70 is attained, 100% of the In-Force Sum Assured2 will be payable after 6 months from the date of diagnosis.

Death Benefit

In the event of death during the policy term, 100% of the In-Force Sum Assured1 will be payable.

Accidental Death Benefit

In the event of death due to accidental causes before age 70 is attained, an amount equivalent to 100% of the In-Force Sum Assured will be payable on top of the Death Benefit.

In the event of death due to specific accidental causes before age 70 is attained, an amount equivalent to 200% of the In-Force Sum Assured will be payable on top of the Death Benefit.

Specific accidental causes means while travelling in a public conveyance (other than a taxi, hired and/or private vehicle, aircraft or sea vessel); or in an electric lift; or in consequence of the burning of any hotel rated as four star and above; or in a theatre or cinema.

Notes:
1less previous claim paid under TPD and Critical Illness Benefit (if any) and less any indebtedness on the policy.
2less previous claim paid on Angioplasty and other Invasive Treatments for Coronary Artery Disease (if any) and less any indebtedness on the policy.

Learn More

SuperSeries is a regular premium, non-participating whole life protection plan which matures at age 100 next birthday. It provides protection against Death, Total & Permanent Disability (TPD) and Critical Illness, and up to 3 times coverage for Accidental Death. In addition, the sum assured of the policy increases by 10% of the Basic Sum Assured at the end of every 5 years providing you a wider safety net. If no claims are made until the maturity of the plan, a maturity benefit will be payable. 2 plans are offered, with or without Survival Benefit to cater to different needs.

Anyone between the age of 30 days and 70 years old (next birthday) is eligible for SuperSeries, subject to the underwriting requirements.

SuperSeries provides coverage up to 100 years old (next birthday).

The premium you need to pay will depend on the Basic Sum Assured, plan selected, premium paying term, and your gender. The premiums that you pay are level throughout the premium payment term. In addition, you do not need to worry about fluctuating premium rates because once you have signed up, we guarantee the same premium rate throughout the premium payment term of your policy. Premiums are payable for a limited duration of 10 years, 20 years, 30 years or up to the end of the policy term.

You can choose to pay your premium yearly, half yearly, quarterly or monthly. Payments can be made via, Credit/Debit Card, Angkasa Deduction, Auto-Debit or Direct Payment methods.

The minimum coverage is RM10,000. The maximum coverage will be subject to underwriting.

Yes. You can surrender the policy at any time. For Super and SuperTreasure, the surrender value is payable after deduction of surrender charges. The following are the charges:

Number of Policy Years
Premium Paid		 Surrender Charges
(% of Guaranteed Cash Surrender Value)
Less than 3 years 100%
3 years and above 20%
 

  1. The Death Benefit shall not be payable if the Life Assured dies by duelling, self-inflicted injuries or suicide, whether sane or insane within thirteen (13) months from the Issue Date or date of reinstatement of the policy, whichever is later.
  2. The TPD Benefit shall not be payable if any of the disability is caused directly or indirectly, wholly or partly by: attempted self-destruction or self-inflicted injuries while sane or insane; military or naval service in time of declared or undeclared war or while under orders for warlike operation or restoration of public order.
  3. The Accidental Death Benefit shall not cover accidental death caused directly or indirectly, wholly or partially, by: assault or murder, riot or civil commotion, strikes or terrorist activities, self-destruction while sane or insane; military or naval service in time of declared or undeclared war or while under orders for warlike operations or restoration of public order.
  4. The Critical Illness Benefit shall not be payable if the critical illness occurs directly or indirectly, wholly or partly, by any one (1) of the following occurrences:
    • Pre-Existing Illness.
    • The signs or symptoms of the critical illness is manifested prior to or:
      • within sixty (60) days for Angioplasty and Other Invasive Treatments for Coronary Artery Disease, Cancer – of Specified Severity and does not cover very Early Cancers, Coronary Artery By-Pass Surgery, Heart Attack – of Specified Severity and Serious Coronary Artery Disease; or
      • within thirty (30) days for all other covered critical illnesses; from the Issue Date or reinstatement date of the policy, whichever is later.
    • Self-inflicted injury or attempted suicide.

* The above list is not exhaustive. Please refer to policy contract for full details on the exclusions.

 

Note

  • The product information provided on this website is for general information only and shall not be construed as a policy of insurance. You are advised to refer to the Product Brochure, Sales Illustration (if applicable), Product Disclosure Sheet and Policy Contract for complete details of the product.
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