AmMetLife · Lonpac · Zurich · LIAM & PIAM members · BNM-regulated
AmMetLife · Lonpac · Zurich · LIAM & PIAM 会员 · BNM 监管
AmMetLife · Lonpac · Zurich · ahli LIAM & PIAM · diawal BNM
Every product we can place for you.
我们能为你承做的所有产品。
Setiap produk yang boleh kami uruskan.
A single catalogue across our three carriers — general insurance through Lonpac and Zurich, life, health and wealth through AmMetLife. Tags show which carrier writes each line; we place with whichever fits your situation best.
三家承保人的统一产品目录 — 综合险经 Lonpac 与 Zurich，人寿、医疗与财富经 AmMetLife。标签标示各险种的承保人；按你的情况配置，谁更合适就放谁。
Satu katalog bagi tiga penanggung — insurans am melalui Lonpac & Zurich, nyawa, kesihatan & kekayaan melalui AmMetLife. Tag menunjukkan penanggung bagi setiap lindungan.
A
General Insurance综合保险Insurans Am
LONPACZURICH
PIAM-aligned, BNM-detariffed pricing, 8% SST on top. Tags show which carrier writes each line — we place with whichever quotes best.按 PIAM 标准、BNM 解除费率管制定价、上层 8% SST。标签标示各险种的承保人 — 谁报价更优就放谁。Mengikut PIAM, harga ditarif-nyah BNM, SST 8%. Tag menunjukkan penanggung bagi setiap lindungan.
LONLonpac InsuranceLonpac 综合险Lonpac
ZURZurich GeneralZurich 综合险Zurich Am
Lonpac product names below follow Lonpac's published Personal & Business catalogue. Motor is placed through Lonpac agency (not in the online list). Zurich lines use Zurich's "For My…" range.下方 Lonpac 产品名依 Lonpac 官方个人 / 商业目录。车险经 Lonpac 代理渠道承做（不在线上目录内）。Zurich 险种沿用其「For My…」系列。
Personal lines个人保险Insurans peribadi
RTA 1987 · agency-placed
Motor车险Motor
Compulsory cover for every vehicle. Placed through Lonpac agency & Zurich. NCD up to 55%.所有上路车辆强制投保。经 Lonpac 代理与 Zurich 承做；NCD 最高 55%。
- Private Car Secure — Comprehensive LONLonpac full cover — own damage + theft + fire + third-party; windscreen, flood, all-driver add-ons.Lonpac 全保 — 自损 + 盗 + 火 + 三者；挡风玻璃 / 水灾 / 全驾驶人附约。
- Private Car Secure — Third Party, Fire & Theft LONLonpac's third-party tier — liability to others plus theft & fire on your own car.Lonpac 三者险档位 — 赔第三者，另含自车盗窃与火灾。
- Zurich Motor ZUR"For My Vehicle" — comprehensive, TPFT & third-party tiers.「For My Vehicle」— 全保 / TPFT / 三者多档。
Travel
Travel旅游险Perjalanan
Medical abroad, trip cancellation, baggage, flight delay.海外医疗、行程取消、行李、航班延误。
- Travel Secure LONLonpac single-trip & annual travel cover, domestic & worldwide.Lonpac 单次与年度旅游保障，国内与全球。
- Zurich Travel ZUR"For My Travel" — senior-age plans available.「For My Travel」— 提供高龄计划。
Personal Accident · 24h
Personal Accident个人意外Kemalangan Diri
Lump-sum on death & permanent disablement, plus medical & hospital cash.身故与永久残废一次性赔付，另含医疗与住院现金。
- Secure Protector LONLonpac individual / family PA with medical & hospital benefits.Lonpac 个人 / 家庭意外，含医疗与住院福利。
- FlexiCare PA LONLonpac flexible-benefit PA — choose your cover levels.Lonpac 弹性福利意外险 — 自选保障级别。
- Zurich PA ZUR"For My Safety" — 1-hour express PA approval available.「For My Safety」— 提供 1 小时快速核准。
Health · MHIT 2024 co-pay
Medical & Health医疗健康Perubatan
Hospitalisation & surgical cover with cashless panel admission.住院与手术保障，附医院免现金入院。
- MediSecure LONLonpac core hospital & surgical medical plan.Lonpac 核心住院与手术医疗计划。
- MediSecure Centurial LONHigher-limit tier of the MediSecure range.MediSecure 系列高限额版本。
- MediSecure Plus 2015 LONEnhanced medical plan with extended benefits.加强型医疗计划，福利更广。
- MediSecure Booster LONTop-up cover that extends an existing medical limit.补充计划，拉高现有医疗限额。
- Zurich Critical Illness ZURLump-sum on diagnosis of covered conditions.受保重疾确诊一次性赔付。
Home · Fire tariff · FELO
Home家居险Rumah
Building and contents. Banks require HO on mortgaged property.建筑与家财。按揭物业银行强制 HO。
- Houseowner / Householder LONLonpac HO (building) + HH (contents); FELO flood/quake add-on.Lonpac 屋主险（建筑）+ 家财险（家财）；可加 FELO 水灾 / 地震。
- Home Secure Plus LONLonpac all-in-one home package — building, contents & liability.Lonpac 一站式家居配套 — 建筑、家财与责任。
- Zurich Home ZUR"For My Property" — houseowner & householder cover.「For My Property」— 屋主与家财保障。
Miscellaneous
Safe Deposit Box保险箱险Peti Deposit
Cover for valuables held in a bank safe-deposit box.承保存放于银行保险箱内的贵重物品。
- Safe Deposit Box Insurance LONFor Public Bank customers (English policy wording).供大众银行客户（英文保单）。
- Safe Deposit Box Insurance_BM LONFor Public Bank customers (Bahasa Malaysia wording).供大众银行客户（马来文保单）。
Recreational
Golf高尔夫Golf
Equipment, third-party liability, and hole-in-one benefit.球具、第三者责任，及一杆进洞奖励。
- Zurich Golf ZUR"For My Golf" — equipment + liability + hole-in-one.「For My Golf」— 球具 + 责任 + 一杆进洞。
Commercial & business lines商业保险Insurans komersil
Insurance packages
Business Packages商业配套Pakej Perniagaan
One bundled policy covering the common risks of an SME.一张打包保单覆盖中小企业常见风险。
- Smart Business Solutions LONLonpac all-in-one SME package — property, contents, liability, money.Lonpac 一站式 SME 配套 — 产业、财物、责任、现金。
- Property Secure Plus LONLonpac property package — fire, perils & extensions for buildings.Lonpac 产业配套 — 建筑火险、危险及扩展。
- Z BizGuard ZURZurich SME package — property, liability, money, BI.Zurich SME 配套 — 产业、责任、现金、营业中断。
- For My SME Business ZURZurich's modular SME cover for small businesses.Zurich 模块化中小企业保障。
Property & assets
Property & Assets产业与资产Harta & Aset
Buildings, stock and plant against fire and broad perils.楼宇、存货、机器 — 火灾及广义危险。
- For My Assets ZURZurich commercial property / industrial all-risks; engineering & marine on request.Zurich 商业产业 / 工业一切险；工程与水险可另询。
- Property Secure Plus LONLonpac fire & property package (see Business Packages).Lonpac 火险与产业配套（见商业配套）。
Liability
Liability责任险Liabiliti
Legal liability to third parties — bundled in the SME packages or standalone.对第三者的法律责任 — 含于 SME 配套或单独投保。
- For My Liabilities ZURZurich public, product & professional liability cover.Zurich 公众、产品与专业责任保障。
Employee benefits
Employee Benefits员工福利Faedah Pekerja
Group cover for your staff — protection and a retention tool.员工团体保障 — 既是保障也是留才工具。
- BizTravel LONLonpac corporate / business travel cover for employees.Lonpac 企业 / 商务出差团体保障。
- For My Employees ZURZurich group PA & group hospitalisation schemes.Zurich 团体意外与团体住院计划。
Foreign workers
Foreign Workers外劳保障Pekerja Asing
Mandatory medical cover for migrant employees (SKHPPA-aligned).外籍员工强制医疗保障（符合 SKHPPA）。
- Foreign Worker Hospitalisation & Surgical LONLonpac FWHS — hospital & surgical scheme for foreign workers.Lonpac FWHS — 外劳住院与手术计划。
Business interruption
Business Interruption营业中断Gangguan Perniagaan
Replaces lost gross profit while you rebuild after an insured loss.受保损失后重建期间补偿损失的毛利。
- For My Profit ZURZurich BI — written alongside a fire / property policy.Zurich 营业中断 — 与火险 / 产业保单搭配承保。
B
Life Insurance人寿保险Insurans Nyawa
AMMETLIFE
AmMetLife life, health and wealth plans we place. Every life policy carries PIDM protection up to RM 500,000 per insurer per life.我们承做的 AmMetLife 人寿、医疗与财富计划。每张人寿保单受 PIDM 保障，每家承保人每位被保人最高 RM 500,000。Pelan nyawa, kesihatan & kekayaan AmMetLife. Setiap polisi nyawa dilindungi PIDM sehingga RM 500,000.
AMLAmMetLifeAmMetLife 人寿AmMetLife
Individual life个人人寿Nyawa individu
Protection
Protection人寿保障Perlindungan
Core death & TPD protection — the foundation of any plan.核心身故与全残保障 — 一切规划的基础。
- ProtectEase AMLEntry-level protection — simple, affordable cover to start.入门级保障 — 简单实惠的起步保障。
- ProtectLink AMLInvestment-linked protection — life cover with a unit account.投资连结保障 — 寿险保障兼具单位账户。
Health · CI
Health & Critical Illness医疗与重疾Kesihatan & Penyakit Kritikal
Medical and critical-illness cover, standalone or as riders.医疗与重疾保障，可独立或作附约。
- i.Am Health Smart AMLComprehensive medical card — hospital & surgical with high annual limits.综合医疗卡 — 住院与手术，高年度限额。
- Health Smart Rider AMLMedical rider attached to a base life / ILP policy.医疗附约，附加于主寿险 / ILP 保单。
- CriticalEase AMLLump-sum on diagnosis of covered critical illnesses.受保重疾确诊一次性赔付。
- HealthCare Secure AMLCritical-illness protection plan with structured payouts.重疾保障计划，分阶段赔付。
Wealth · investment
Wealth & Investment财富与投资Kekayaan & Pelaburan
Investment-linked plans that grow savings while keeping life cover.投资连结计划 — 储蓄增值同时保留寿险保障。
- i.Am Wealth Builder AMLRegular-premium ILP to build long-term wealth with protection.分期保费 ILP — 长期累积财富兼具保障。
- i.Am Wealth Elite AMLHigher-tier ILP for larger investment & legacy planning.高端 ILP — 适合较大额投资与传承规划。