RHB Bank Berhad, in partnership with Tokio Marine Life Insurance Malaysia Bhd., has launched RHB Essential Assure, a new protection plan offering guaranteed acceptance without medical exams for individuals up to 70 years old. The plan, announced on 1 December 2025, aims to make long-term financial security more accessible and flexible, with coverage extending up to age 100.
The plan is designed to remove barriers to obtaining life protection, particularly for those aged 40 to 70 in the mass affluent and affluent segments. Jeffrey Ng Eow Oo, Managing Director of Group Community Banking at RHB, stated, “RHB Essential Assure provides simple enrolment and comprehensive coverage.”
RHB Essential Assure offers financial support for various life uncertainties, including lump-sum payouts for deaths and total and permanent disability. It features one of the most extensive accidental death benefit structures, with additional payouts up to 500% of the Basic Sum Assured for incidents such as travel and natural disasters.
Policyholders can customise their protection with premium payment terms of five or ten years and coverage durations ranging from 20 years to age 70, 80, or 100. The plan includes a Lifestyle Reward feature, increasing the Basic Sum Assured by 5% every three policy years, up to 20%.
Toi See Jong, CEO of Tokio Marine Life, emphasised the plan’s flexibility and inclusivity, stating, “Everyone deserves dependable protection… This plan is part of our commitment to delivering innovative solutions.”
RHB Essential Assure is available to individuals aged 14 days to 70 years old, furthering the collaboration between RHB and Tokio Marine Life, which has spanned over 75 years.
