Save 60% of your insurance premiums for retirees
Free consultation | 15 days refund | No hard selling
Eligible age: 0 years old - 70 years old
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We have over 100+ panel hospitals
Save Over RM100,000 on Your Insurance Premiums in 20 Years
- Deductible option of RM 5k, RM 10k and RM 30k.
- Only need to pay the deductible during hospitalisation.
- If you stay healthy, you keep more of your money—not the insurance company.
|
|
Normal Plan
|
Deductible Plan
|
|---|---|---|
|
Annual limit
|
RM 1.5 mil
|
RM 2.0 mil
|
|
Lifetime limit
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Unlimited
|
Unlimited
|
|
Deductible
|
RM 500
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RM 5k / RM 10k
|
|
Premium
|
RM 700
|
RM 350 / RM 270
|
|
Total premium
paid in 20 years |
RM 168k
|
RM 84k / RM 64.8k
|
|
Total saved
|
0
|
RM 84k / RM 64.8k
|
Testimony
En Azkram, 40
JJ, 32
Tien, 45
Samantha, 42
Mr Lim， 60
Mrs Tan，59
Designed for everyone over 50 years old
Significantly Lower Premiums
Cut your monthly insurance costs by up to 60% by switching to a smart deductible plan. Keep the protection, lose the unnecessary cost.
High Annual and Lifetime Limits
Even with reduced premiums, your plan still includes high annual and lifetime limits—so you’re protected for major medical events and you can afford VIP services at expensive hospitals.
Only Pay More If Hospitalisation Happens
Instead of paying high premiums every month, you only pay more if you’re hospitalised. Ideal for retirees who want real protection without overspending.
CASE STUDIES
New Policy: Cashless Claim Approval for 7cm Gallstone Surgery
👤 Client profile
• Policy Commencement Less than 1 year
📉 The Challenge
• 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
• 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
• 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 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
• 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
• 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
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
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
• 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
• Status: Nearing retirement, financially stable
• Concern: Monthly premium was too expensive, considering cancelling insurance
📉 The Challenge
• 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
• 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
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.
Planning for retirement should come with peace of mind—not rising insurance costs.
Many retirees don’t realize that their existing medical plans are no longer cost-effective as premiums increase with age. we specialize in helping seniors reduce their insurance premiums by up to 60% using our “Smart Deductible Strategy“.
Frequently Asked Questions
What is a deductible?
A deductible plan is a type of health insurance where you agree to pay a fixed amount (e.g. RM5,000 or RM10,000) only when you’re hospitalized. In return, your monthly premiums are significantly lower than a full coverage plan.
Which company are you from?
We are from Allianz Life Insurance Malaysia Berhad. We represent FINNO Agency, an agency under Allianz.
How often do I have to pay the deductible?
The deductible is only paid when hospitalization occurs. It’s not a monthly or annual fee. You only pay only if the bill exceeds the deductible amount.
Will I still be covered for major illnesses and surgeries?
Yes. You still get comprehensive coverage with high annual and lifetime limits. The deductible only applies to your first RM5,000, RM10,000 or RM 30,000 in hospital bills per year. After that, your insurance covers the rest.
What happens if I never get hospitalised?
You never pay the deductible—and you’ll still save tens of thousands of ringgit over time from lower monthly premiums. You only pay the deductible if hospitalization is required.
What if I already have a serious medical condition?
We’ll need to assess your current medical history and policy. Some pre-existing conditions may affect eligibility, but we can guide you through your options.
Is this considered “downgrading” my insurance?
Not at all. You’re not reducing your protection—you’re just paying less for day-to-day peace of mind, and saving more for the actual risks that matter (like hospitalization or major surgery).
Is there a waiting period?
Yes. Like most medical plans, deductible plans have a 30-day general waiting period and longer waiting periods (120 days) for specific conditions like heart disease or cancer.