• MCIS Life Insurance

    MCIS Insurance is a licensed insurer providing a range of life insurance policies. You can choose from a variety of schemes as per your individual requirements. Read further to understand the different products available and how you can apply for them.

    Types of Life Insurance Plans Available

    Plan Name Main Coverage Coverage Period Add-on Coverage
    MCIS HiShield Death and total and permanent disability. Up to 100 years. 5-year guaranteed coverage. -
    MCIS Premium Protector Death and total and permanent disability, funeral benefits, double protection for accidental death, and triple protection for accidental death whilst travelling. - 8 add-on plans are available.
    MCIS Prime Protector Death and total and permanent disability. - -
    MCIS FutureSeries Death and accidental death. Up to 100 years. -
    MCIS Premier FlexiInvest Death and total and permanent disability. 5-year guaranteed coverage. -
    MCIS FlexiInvest Plus Assurance Death and total and permanent disability. - -
    MCIS SuperSeries Death, total and permanent disability, and critical illnesses. Up to 70 years cover available as compensation for accidental death. 4 add-on plans are available.
    MCIS Growth Saver Death and total and permanent disability. Before 65 years of age. -
    MCIS Wealth Multiplier Death and total and permanent disability. - -
    MCIS Capital Growth Plus Assurance Death and total and permanent disability. - -
    MCIS EzySaver Death and accidental death. Two options are provided under this plan: 10 years and 20 years. -
    MCIS MyLife Protect Death and total and permanent disability. 10, 20, or 30 years. -

    MCIS HiShield

    This flexible policy is designed for those who are looking for financial assistance to secure their future. It provides protection against death up to 100 years of age. You get a 5-year guaranteed coverage when you opt for this policy. Maturity benefit is available with this policy.

    MCIS Premium Protector

    The basic benefits you get with this policy are coverage for death and total and permanent disability, funeral benefits, double protection for accidental death, and triple protection for accidental death while travelling in public means of transport. With this policy, you get a guaranteed refund of 105% of the basic premium paid. Moreover, you will also have the flexibility to make your premium payment. You have the option to add riders to your plan.

    MCIS Prime Protector

    This affordable policy covers death and total and permanent disability. You get guaranteed maturity benefit as well as guaranteed insurance protection with this scheme.

    MCIS FutureSeries

    This policy provides death benefit and accidental death benefit to the policyholder. There are two schemes under this policy: FutureShield for existing MCIS policyholders and FutureCare for new customers. Under this policy, you don't have to pay the premium until the end of the policy term. 10% of the death benefit will be payable as emergency cash. The balance amount will be payable when you receive the complete documentation.

    MCIS Premier FlexiInvest

    With this policy, you get 5-year guaranteed coverage even if your account value is not adequate enough. The policy covers death as well as total and permanent disability. You can enjoy the flexibility to switch investments with this scheme.

    MCIS FlexiInvest Plus Assurance

    As the name suggests, this plan is for those who are looking for flexibility to increase or decrease their investment. It provides protection for death and total and permanent disability coverage.

    MCIS SuperSeries

    This policy not only provides coverage for death, total and permanent disability, and critical illnesses, it also provides 3x coverage for accidental death. Choose from 4 bespoke plans, as per your requirements.

    MCIS Growth Saver

    The Growth Saver plan provides coverage against double accidental death during the premium payment term. All premium terms are short so that you can get cash dividends until the policy matures.

    MCIS Wealth Multiplier

    This is an endowment plan that helps you plan your future and achieve your financial goals. You not only get protection for death and total and permanent disability, but you will also get your basic sum assured upon maturity.

    MCIS Capital Growth Plus Assurance

    This policy is a single premium plan, which means, you don't have to make monthly payments. It covers death and total and permanent disability. Under this scheme, you can make withdrawals or top-up your investment as per your needs.

    MCIS EzySaver

    With this plan, 70% of the premiums are paid via EzySaver Basic, which is a non-participating endowment, and the remaining 30% goes towards EzySaver Booster, which is an investment-linked plan. The policy covers both non-accidental and accidental death.

    MCIS MyLife Protect

    MyLife Protect is an affordable insurance policy which has coverage terms up to 30 years. The plan is a Direct Channel product, which is offered to customers who are looking for a basic protection plan without any cash value. Premiums will be fixed throughout the policy. The policy covers death and total and permanent disability.

    Features and Benefits of MCIS Life Insurance

    • Get coverage against death, total and permanent disability, and critical illnesses.
    • Choose from a range of flexible insurance policies, which allows you to make premium payments every month, every quarter, semi-annually or annually.
    • Maturity benefits are available.
    • Funeral benefits are available.
    • Policies are available wherein medical underwriting is not required.
    • Get emergency funds in case of any unfortunate events.

    How to Claim MCIS Life Insurance

    To submit a claim, follow the below steps:

    • Visit the official website of MCIS.
    • Click on 'Customer Care'.
    • Select 'Claims Guide'.
    • Click on 'Types of Claims'. You will find the forms of various claims on this page.
    • Fill in the form and submit it to the nearest branch.

    Or

    • Contact your insurance agent.
    • Request for a claim form.
    • Fill out the claim form and submit it to the agent.

    Or

    • Visit any of the MCIS Insurance branches.
    • Request for a claims form.
    • Full out the claim form and submit it.

    Required Documents (for claim)

    Type of Claim Documents Required
    Death Claims
    • Duly completed death claim form.
    • Duly completed attending physician's statement on death claim.
    • Certified copy of the diagnostic report, if available.
    • Original policy contract.
    • Certified IC, passport, or birth certificate as proof of age.
    • Certified death certificate.
    • Police report for the accidental death.
    • Certified post-mortem report for the accidental death.
    • Proof of relationship.
    • Newspaper cutting.
    Total and Permanent Disability Claims
    • Duly completed total and permanent disability claim form.
    • Duly completed attending physician's statement on the total and permanent disability claim.
    • Certified copy of the diagnostic report.
    • Original policy contract.
    • Certified IC, passport, or birth certificate as proof of age.
    • Medical certificate.
    • Police report.
    • Newspaper cutting, if available.
    Critical Illness Claims
    • Duly completed living assurance claim form.
    • Duly completed attending physician's statement on critical illness claim.
    • Certified copy of the diagnostic report.
    • Original policy contract.
    • Certified IC, passport, or birth certificate as proof of age.

    MCIS Life Insurance Calculator

    When you choose MCIS Life Insurance as your life insurance provider, you will have a variety of plans to choose from. There are plans which give you the flexibility to pay the premium amount and you also have affordable schemes. Choose one that suits your requirements the best. Before opting for a policy, it is advisable to go through the policy’s Product Disclosure Sheet and Terms and Conditions.

    FAQs

    Q. How do I apply for a policy?

    A. Follow the below steps to apply for the policy loan of your choice:

    • Visit any of the MCIS Insurance branches.
    • Request for the policy loan application form.
    • Submit the filled form.

    Or

    • Request your insurance agent for the form.
    • Submit the filled form to your agent.

    Or

    • Download the policy form from the website.
    • Submit the form to any of the branches.

    Q. How do I make a claim?

    A. Follow the below steps to make a claim:

    • Download the claims form from the company website.
    • Submit the filled form to the nearest branch.

    Or

    • Contact your insurance agent.
    • Request for a claim form.
    • Fill out the claim form and submit it to the agent.

    Or

    • Visit any of the MCIS Insurance branches.
    • Request for a claims form.
    • Full out the claim form and submit it.

    Q. What is the maximum amount of income tax relief I can get with an ordinary life insurance policy?

    A. With an ordinary life insurance policy, the maximum amount of income tax relief is RM6,000 per year. The amount will include EPF and any other retirement benefit schemes.

    Q. How can I check the status of my claim?

    A. You can check your claim status in the following ways:

    • By contacting your insurance agent.
    • By contact MCIS Insurance's customer call centre.
    • Via Email.
    • Via Customer Portal.

    Q. I have a query regarding my policy. How should I contact the company?

    A. You can contact the company in the following ways:

    • By sending an email with your enquiry to customerservice@mcis.my.
    • By contacting the customer contact centre at +603 7652 3388.
    • By sending a request to Policy Servicing Department, Wisma MCIS, Jalan Barat, 46200, Petaling Jaya, Selangor.
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