High coverage, fair price, professional agents
Medical insurance with RM 5,000,000 annual limit from RM 200/month
- Latest medical card in Malaysia
- No Claim Discount that offers fair pricing
- Co-payment and deductible options with well regulated premiums
Authorised agent of Allianz Life Insurance Malaysia Berhad
Why Choose FINNO?
We Help You Get Claims Paid Fast
When you are sick, you need money fast. With our 23 years claim experience we help you with the nessasary paperwork. This helps you get your money much faster.
We Support You if Claim is Rejected
If the insurance company says “no”, we will work on your case and help you appeal to get your claim approved. We are here to support you.
Advice for Pre-existing Health Problems
If you have a sickness already. You would be confused to what are the requirements and documents to get insurance. We know how to help. We give you honest advice to help you get insured.
Testimony
En Azkram, 40
My medical card kept increasing in price so Jason from FINNO, told me about co-payment and NCD that can solve the arising of insurance premium.
JJ, 32
I had UTI in 2024, I had a smooth experience in Gleneagles while my agent help me navigate the claims.
Tien, 45
I have bought it for 10 years and not reviewed it for a long time. Met up with an agent from FINNO and he helped me restructure. The agent was very professional and helpful.
Samantha, 42
My daughter had an accident in Japan (Boiling water, 2nd degree burn). Admitted in Japan but I thought I couldn’t claim it. But luckily my agent told me to take all the receipts and submit for pay and claim. I am glad he told me that if not I didn’t know can claim.
Mr Lim， 60
我爸爸刚买了医药卡120天就确诊心脏病。当住院是发现新的医药卡暂时不能赔钱。只好先付后赔。Agent就帮我出院后在一个月里完成我爸爸的理赔程序。索赔了RM60k。
Mrs Tan，59
之前保险一只起价，打算明年就要断保因为是在是付不起。幸好遇到Woode，他解释给我听其实保单提高自付额是能够减低保费的，而且deductible暂时没有起价。
Key benefits
Annual limit: RM 5,000,000
Lifetime limit: Unlimited
Room & Board: RM 200
Advance cancer treatment
No claim discount: 20%
International Second Medical Opinion
CASE STUDIES
New Policy: Cashless Claim Approval for 7cm Gallstone Surgery
👤 Client profile
• Age: 58 years old, female
• Policy Commencement Less than 1 year
• Policy Commencement Less than 1 year
📉 The Challenge
• The client was diagnosed with a 7cm gallstone that required immediate hospitalisation.
• Because the policy was less than a year old, the insurance company suspected it was a pre-existing condition.
• Their reasoning: a gallstone of that size typically takes years to form, and therefore could not have developed within a few months of purchasing the policy.
• This meant the client risked losing her coverage benefit and having to pay the full bill herself.
• Because the policy was less than a year old, the insurance company suspected it was a pre-existing condition.
• Their reasoning: a gallstone of that size typically takes years to form, and therefore could not have developed within a few months of purchasing the policy.
• This meant the client risked losing her coverage benefit and having to pay the full bill herself.
💡 The Solution
Our team investigated the client’s medical history and discovered an important detail:
• Shortly before the policy started, the client had undergone a scan due to a kidney issue claim.
• That scan clearly showed no gallstones present.
• We submitted this medical evidence directly to the insurance company, proving that the gallstone developed after the policy commencement.
• Shortly before the policy started, the client had undergone a scan due to a kidney issue claim.
• That scan clearly showed no gallstones present.
• We submitted this medical evidence directly to the insurance company, proving that the gallstone developed after the policy commencement.
🎯 Key Benefits of the Change
• Medical records matter: Prior scans and reports can be decisive in disputed claims.
• Expert advocacy saves time and stress: FINNO’s claims team knew exactly what proof was required.
• Peace of mind for clients: Even in complex situations, our clients can count on FINNO to defend their rights.
• Expert advocacy saves time and stress: FINNO’s claims team knew exactly what proof was required.
• Peace of mind for clients: Even in complex situations, our clients can count on FINNO to defend their rights.
✅ Outcome
• The insurer accepted our evidence.
• The client was able to enjoy cashless admission, without having to pay hospital bills upfront.
• Coverage for the gallstone surgery was fully approved.
• The client was able to enjoy cashless admission, without having to pay hospital bills upfront.
• Coverage for the gallstone surgery was fully approved.
[RM 12k - RM 7k] Helping a Retiree Manage Rising Insurance Premiums
👤 Client profile
• Age: 65 years old, male
• Status: Retiree, living on EPF savings
• Current Premium: RM 12,000/year (scheduled to increase to RM 14,000 in 3 years)
• Concern: Paying high premiums for medical insurance until age 100
• Status: Retiree, living on EPF savings
• Current Premium: RM 12,000/year (scheduled to increase to RM 14,000 in 3 years)
• Concern: Paying high premiums for medical insurance until age 100
📉 The Challenge
Our client had a standalone medical insurance policy with the following benefits:
• RM 1 million annual limit
• Lifetime unlimited coverage
• No deductible
While the coverage was strong, the premiums were becoming financially unsustainable. As a retiree, the client was concerned that paying RM 12,000 annually (rising to RM 14,000) would deplete his EPF savings in the long term.
• RM 1 million annual limit
• Lifetime unlimited coverage
• No deductible
While the coverage was strong, the premiums were becoming financially unsustainable. As a retiree, the client was concerned that paying RM 12,000 annually (rising to RM 14,000) would deplete his EPF savings in the long term.
💡 The Solution
We proposed switching to a high deductible medical insurance plan.
The new plan offered:
• RM 2 million annual limit (double the coverage)
• Lifetime unlimited coverage
• Deductible of RM 5,000 per hospital admission
• Premium reduced to RM 7,000/year (a 42% reduction)
• Sustainability up to age 100
The new plan offered:
• RM 2 million annual limit (double the coverage)
• Lifetime unlimited coverage
• Deductible of RM 5,000 per hospital admission
• Premium reduced to RM 7,000/year (a 42% reduction)
• Sustainability up to age 100
🎯 Key Benefits of the Change
• Pay Only When Hospitalised
The client is still healthy and does not make claims every year. With the new plan, he only pays RM 5,000 out of pocket if hospitalised, instead of paying RM 14,000 every single year.
• Lower Annual Commitment
Reducing the annual premium from RM 12,000 (soon RM 14,000) to RM 7,000 makes the plan much more affordable for a retiree. This helps preserve his EPF savings for living expenses and lifestyle needs.
• Higher Protection at Lower Cost
Despite the deductible, the client now enjoys RM 2 million annual coverage, offering better protection in case of major hospitalisation. RM 5,000 deductible is relatively small compared to the potential savings of RM 7,000 a year in premiums.
The client is still healthy and does not make claims every year. With the new plan, he only pays RM 5,000 out of pocket if hospitalised, instead of paying RM 14,000 every single year.
• Lower Annual Commitment
Reducing the annual premium from RM 12,000 (soon RM 14,000) to RM 7,000 makes the plan much more affordable for a retiree. This helps preserve his EPF savings for living expenses and lifestyle needs.
• Higher Protection at Lower Cost
Despite the deductible, the client now enjoys RM 2 million annual coverage, offering better protection in case of major hospitalisation. RM 5,000 deductible is relatively small compared to the potential savings of RM 7,000 a year in premiums.
✅ Outcome
The client now has:
• Peace of mind knowing his medical coverage is sustainable until age 100.
• Reduced financial burden, saving over RM 5,000 annually in premiums.
• Stronger protection with a higher annual coverage limit.
By adopting a high deductible plan, the client balanced affordability and protection, ensuring his retirement years remain financially secure while still maintaining comprehensive medical coverage.
• Peace of mind knowing his medical coverage is sustainable until age 100.
• Reduced financial burden, saving over RM 5,000 annually in premiums.
• Stronger protection with a higher annual coverage limit.
By adopting a high deductible plan, the client balanced affordability and protection, ensuring his retirement years remain financially secure while still maintaining comprehensive medical coverage.
[RM 800 to RM 337] Restructuring Insurance for Value
👤 Client profile
• Age: 58 years old, female
• Status: Nearing retirement, financially stable
• Concern: Monthly premium was too expensive, considering cancelling insurance
• Status: Nearing retirement, financially stable
• Concern: Monthly premium was too expensive, considering cancelling insurance
📉 The Challenge
The client’s old policy included multiple layers of coverage:
• Annual limit: RM 100,000 (medical card)
• Critical Illness: RM 50,000
• Accident: RM 50,000
• Life/TPD: RM 50,000
• Enhanced TPD: RM 50,000
• Golden Age TPD: RM 10,000
• Waiver of premiums
• Premium: RM 800/month
While the policy seemed comprehensive, the coverage was too spread out and diluted. The medical card annual limit was only RM 100,000, which is insufficient for today’s hospital costs. On top of that, the monthly premium of RM 800 was unsustainable — the client was considering cancelling her policy completely.
• Annual limit: RM 100,000 (medical card)
• Critical Illness: RM 50,000
• Accident: RM 50,000
• Life/TPD: RM 50,000
• Enhanced TPD: RM 50,000
• Golden Age TPD: RM 10,000
• Waiver of premiums
• Premium: RM 800/month
While the policy seemed comprehensive, the coverage was too spread out and diluted. The medical card annual limit was only RM 100,000, which is insufficient for today’s hospital costs. On top of that, the monthly premium of RM 800 was unsustainable — the client was considering cancelling her policy completely.
💡 The Solution
We restructured her insurance to focus on the most critical coverage: medical protection. The new plan provided:
• RM 2 million annual limit (20x increase)
• Lifetime unlimited coverage
• Deductible: RM 5,000 per year
• Premium: RM 337/month (a 58% reduction)
• RM 2 million annual limit (20x increase)
• Lifetime unlimited coverage
• Deductible: RM 5,000 per year
• Premium: RM 337/month (a 58% reduction)
🎯 Key Benefits of the Change
• Affordable Premiums, Sustainable Long-Term
Premium reduced from RM 800/month to RM 337/month.
This allows the client to maintain coverage without financial strain, instead of cancelling.
• Focused on What Matters Most
Old plan had many small add-ons (CI, accident, TPD), but these amounts were too low to make a real impact.
Now, the focus is on a strong medical card with RM 2 million annual coverage.
• Deductible = Smarter Protection
Client can afford RM 5,000 out of pocket during hospitalisation.
Deductible plan has better claim control, keeping premiums more stable over time.
Premium reduced from RM 800/month to RM 337/month.
This allows the client to maintain coverage without financial strain, instead of cancelling.
• Focused on What Matters Most
Old plan had many small add-ons (CI, accident, TPD), but these amounts were too low to make a real impact.
Now, the focus is on a strong medical card with RM 2 million annual coverage.
• Deductible = Smarter Protection
Client can afford RM 5,000 out of pocket during hospitalisation.
Deductible plan has better claim control, keeping premiums more stable over time.
✅ Outcome
The client now has:<br><br>
• Stronger medical protection (RM 2 million vs RM 100k previously).<br>
• Lower premiums (RM 337 vs RM 800/month).<br>
• Sustainable plan that she can carry into retirement years.<br>
• Peace of mind knowing her insurance is focused and reliable, instead of scattered and weak.<br>
By consolidating her coverage into a deductible medical card, we helped her avoid cancelling insurance altogether — instead, she now enjoys higher protection at a fraction of the cost.
Frequently Asked Questions
Why should I choose FINNO?
We represent Allianz Malaysia, but our loyalty is to you, the client. We specialise in medical insurance and we help you pick the right one, we stand by you during claims to make sure you’re protected.
What makes FINNO different from other insurance agents?
Some agents disappear after selling. At FINNO, we are your advocate. From restructuring your medical insurance premiums to navigating disputed claims, we make sure your insurance works when you need it most.
Can I switch my existing policy to something more affordable?
Yes. Many clients restructure their plans to reduce premiums while increasing coverage. For example, moving to a deductible plan or co-payment plan can cut premiums almost in half, while maintaining strong protection.
How do I get started with FINNO?
You can schedule a consultation with us and our agents will help you learn more about our plans.