Get a consultation
Book a free, no-obligation consultation with our expert. We’ll review your current policy, assess your needs, and recommend the most cost-effective coverage—often saving you up to 60%.
Financial Health Bar
Save 60% of your insurance premiums for retirees
Stop paying high monthly premiums, we restructure your plan around a deductible-based strategy to focus on affordable protection when it matters most.
Free consultation | 15 days refund | No hard selling
Eligible age: 0 years old - 70 years old
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.
We Specialised In Medical Claims for Your Piece Of Mind.... Even for difficult cases
Our plans are 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.
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“.
How to get started?
Step 1
Step 2
Consideration
Take your time to review the proposal. We'll give you a clear breakdown of your new premium, coverage, and potential long-term savings. No pressure, no upselling—just honest advice.
Payment
Ready to move forward? Secure your new plan and enjoy peace of mind. And if you change your mind, we offer a 100% refund within 15 days—no questions asked.
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.
Financial Health Bar
