Deductible Plan
Save Up to 60% on Your Premiums
Pay a fixed amount only when you are hospitalised. Stay healthy, keep more of your money. A smarter plan for those who want real protection without overpaying month after month.
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What Is a Deductible?
Pay a Fixed Amount, Then Your Insurance Handles the Rest
A deductible is a fixed amount you agree to pay out-of-pocket per hospitalisation before your insurance kicks in. In return, your monthly premium drops significantly — by as much as 60% compared to a standard plan.
For example, if your deductible is RM 5,000 and your hospital bill is RM 40,000, you pay RM 5,000 and your insurer covers the remaining RM 35,000.
Example: RM 40,000 Hospital Bill
Deductible Options
Choose Your Deductible Level
Higher deductible = lower monthly premium. Pick the level that matches your savings buffer.
Moderate premium saving. A good starting point for those transitioning from a standard plan.
Higher premium saving. Ideal if you have some savings set aside as a buffer for medical expenses.
Maximum premium saving (up to 60%). Best for those who are generally healthy and want to significantly reduce ongoing costs.
Long-term Savings
How Much Can You Save Over 20 Years?
| Plan | Annual Premium | Total Over 20 Years | Savings vs Standard |
|---|---|---|---|
| Standard Plan | RM 700 | RM 168,000 | — |
| Deductible RM 5k | ~RM 350 | ~RM 84,000 | ~RM 84,000 |
| Deductible RM 10k | ~RM 270 | ~RM 64,800 | ~RM 103,200 |
Annual limit on deductible plans: RM 2,000,000. Lifetime limit: Unlimited. Figures are illustrative.
Who Is This For?
The Deductible Plan Suits You If...
- You are a retiree managing rising premiums on a fixed income — protect your EPF savings for living expenses, not insurance bills.
- You are generally healthy and rarely need hospitalisation, and you want to minimise ongoing costs.
- You have company insurance that covers smaller hospital bills — use a high-deductible personal plan as a top-up for major events.
- You want maximum annual and lifetime coverage at a sustainable long-term cost.
Real Case Study
From RM 12,000 to RM 7,000 per Year — Same Protection
A FINNO. client was paying RM 12,000 per year for her existing plan — due to rise to RM 14,000 within three years. Our advisor restructured her coverage around a deductible plan, bringing her annual premium down to RM 7,000. She keeps the same high annual limit and lifetime protection, while saving over RM 100,000 across 20 years.