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HealthCare Secure

Providing up to double payout & multiple claims for added protection.

At AmMetLife, we understand the effects critical illness can have on an individual and their family both emotionally and financially.

That is why we have designed HealthCare Secure to cater to your times of need. HealthCare Secure is a non-participating yearly renewable individual critical illness insurance plan with severity based critical illness benefits.

This plan provides the same comprehensive coverage and allow multiple claims for up to 6 times. Best of all, it is affordable and offer double the payout of the sum assured!

We want you and your loved ones to have options when it comes to hospitalisation and surgery. Learn more about our medical and health insurance plans by downloading our brochure.

This is an Agency product.

Member of PIDM
The benefit(s) payable under eligible policy is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact AmMetLife Insurance Berhad or PIDM (visit

Healthcare Secure Benefits Overview

Double payout for extra peace of mind

Up to 200% of the sum assured is payable throughout the protection period. Subject to limits and conditions in the benefits table.

Protect against 36 core critical illnesses (CI)

The sum assured will be payable in one lump sum upon diagnosis of one of the 36 core critical illnesses.

Comprehensive coverage at 2 levels of severity

Covers up to 71 conditions of critical illnesses, from early to advanced stages. Subject to limits and conditions in the benefits table.

Multiple claims up to the maximum payout

Multiple claims up to 6 times are allowed. These claims may be on the same critical illness for varying severity level or on different critical illnesses on same/different severity level. Please refer to claims example inside this booklet for better understanding.

No waiting in between claims*

No waiting time to be observed between the first and subsequent claim(s).

Tax relief

You may enjoy medical income tax relief of up to RM3,000, subject to final decision of the Malaysian Inland Revenue Board.

* Subject to waiting period for specified illnesses. Please refer to policy contract for details.

Wide coverage with multiple claims… How does it work?

HealthCare Secure provides coverage for core CI and CI with severity level Tier 1 and Tier 2.

  • Protection range of seven (7) CI groups.
  • A guaranteed lump sum benefit is payable if you are diagnosed with any one of the Core Critical Illnesses, Tier 1 or Tier 2 (refer to the Benefits Schedule) during the term of the policy.
  • Enjoy 100% of the sum assured (SA) benefit payout under each CI group, in which the total benefit payout comprises of the Core CI conditions, Tier 1 and Tier 2 benefits (if any).
  • Within each CI Group, the benefits payable for subsequent CI claims (at Tier 2 or Core CI level) are reduced by previously paid CI claims (at Tier 1 or Tier 2 Level). The cover will terminate once total payout benefit reaches 200% of the sum assured