The number of employees to be insured under the group plan determines the type of coverage available to the employer. A company with more than  thousand employees will have customized health plans, and these may include additional benefits with negotiable price.
With the rising costs of health care and medicines  in recent years, companies have experienced a drastic increase in the cost of providing health care benefits to their employees. Many companies are forced to withdraw the medical benefits for their employees, and some even require their employees to pay a higher share of the monthly premium of the insurance, even to the point of requiring them to pay the 100% of the dependent premium!

Therefore, never ever 100% depend on the medical benefits provided by your company. It’s may be the game of  ”Chipsmore’- now you see it, now you don’t. When your employer cut down on the medical benefits, most employees will be facing a problem of getting their own health coverage in future mainly due to exclusions due to pre exist illness, health loading, high premium as you will be more senior that time and the time bomb waiting period of medical coverage imposed by all insurers.

So, it is always wise to get ready your own personal insurance coverage even though your employers have provided you with some level of coverage. You need a comprehensive plan designed just for you and your future and not plans that is designed according to the cost and revenue determine by your employer.

The H1N1 influenza outbreak has caused a great concern to agents as well as all policy holders throughout Malaysia.

Medical plans issues after 2006 have exclusion clause for  ‘any communicable diseases required quarantine by law’.

In line with all LIAM members and the immediate help from the nation, HLA will waive this exclusion of policies  due to that influenza.  The company will continue to monitor on the outbreak and if there is any review on the medical coverage, all agents and policy holders will be informed.

Dare to be remarkable !!

Good news to all as HLA (Hong Leong Assurance) Cash Builder Series has been launched. Your long awaiting savings plan with annual guaranteed income starting from the first year towards maturity has been designed to cater your financial needs. The launching date is 15th of July 2009.

HLA Cash Builder has the saving term of only 6 years or 10years, one of the shortest term any plan could offer in the market. It offers you the shortest savings years with the longest 35years policy term for your needs.

Different people has different financial needs. HLA Cash Builder Series gives you the flexibility to build, to plan and to decide on the stream of income you wish to  enjoy throughout the years.

You Build, You Plan, You Decide!

Build  :  You build your own Yearly Income Stream
Plan  :  You plan for the protection level & policy term
Decide  :  You decide the tenure of your premium commitment

You are the Architect for your own Dream!

Do not miss this fantastic opportunities ! More info to be available in the product categories.