Underwritten by Allianz Life Insurance Malaysia Berhad

Allianz 3H Cover & 3H Critical Cover

Get coverage for Death, Total and Permanent Disability, and 4 major Critical Illnesses with this Allianz protection plan. This plan is specially crafted for anyone who has one of the 3 Highs, being High Blood Pressure, High Cholesterol, and a High Body Mass Index.

    • Investment-Linked Policy
    • RM5000 Minimum Sum Assured

Dont Hold Back With Life. Get covered with Allianz 3H cover!

Dont Hold Back With Life. Get covered with Allianz 3H cover!

Get protected now with Allianz 3H Cover & 3H Critical Cover

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Contact Info

Who do I contact for any inquiries?

Allianz Customer Care Hotline
  •  1300881028
  • Coverage

    What can I claim from this insurance policy?

    Coverage Type 
    • Cancer


    • Major Organ Related Illnesses

      End Stage Kidney Disease
      Medullary Cystic Disease
      Not Covered
      Systemic Lupus Erythematosus With Lupus Nephritis
      Not Covered
      End Stage Liver Disease
      Not Covered
      End Stage Lung Disease
      Not Covered
      Fulminant Viral Hepatitis
      Not Covered
      Primary Pulmonary Arterial Hypertension
      Not Covered
      Chronic Aplastic Anemia
      Not Covered
      Terminal Illness
      Not Covered
      Major Organ Transplant
      Not Covered
      Bone Marrow Transplant
      Not Covered

    • Heart Related

      Heart Attack
      Other Serious Coronary Artery Disease
      Not Covered
      Heart Valve Surgery
      Not Covered
      Surgery To Aorta
      Not Covered
      Severe Cardiomyopathy
      Not Covered
      Coronary Artery Bypass Surgery
      Not Covered
      Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease
      Not Covered
      Artery Disease
      Not Covered

    • Brain Related

      Brain Surgery
      Not Covered
      Benign Brain Tumor
      Not Covered
      Not Covered
      Alzheimer's Disease Or Irreversible Organic Degenerative Brain Disorders
      Not Covered
      Not Covered
      Loss Of Independent Existence
      Not Covered
      Motor Neuron Disease
      Not Covered
      Multiple Sclerosis
      Not Covered
      Muscular Dystrophy
      Not Covered
      Paralysis Or Paraplegia
      Not Covered
      Parkinson's Disease
      Not Covered
      Progressive Scleroderma
      Not Covered

    • Special Benefits

      Accidental Death
      Not Covered
      Death Or Total and Permanent Disability
      Surgery for Type 2 Diabetic Retinopathy
      Not Covered
      Amputation Due To Type 2 Diabetic Complications
      Not Covered
      Severe Diabetic Nephropathy Resulting In Kidney Failure
      Not Covered
      Appalic Syndrome
      Not Covered
      Not Covered
      Surgical Repair Of Depressed Skull Fracture
      Not Covered


    Are you eligible to apply for this insurance?

    Minimum Age
    At least 20 years of age
    Maximum Age
    At most 60 years of age

    Frequently Asked Questions about Allianz 3H Cover & 3H Critical Cover

    Things you might want to know

    What is Allianz 3H Cover & 3H Critical Cover?

    Allianz 3H Cover is an investment-linked insurance plan that offers you protection against Death or Total and Permanent Disability. It is an insurance coverage plan offered specifically to customers who have one of the 3 Highs, being High Blood Pressure, High Cholesterol and High Body Mass Index (BMI). So if you currently have one of those Highs, give Allianz 3H Cover a try. 

    The 3H Critical Cover is rider that can be attached to this insurance plan. With 3H Critical Cover, you get additional coverage for key critical illnesses, namely;

    • stroke, 
    • heart attack, 
    • kidney failure,
    • and cancer. 

    Making this plan more versatile in coverage.

    What else do I get?

    This plan also comes with coverage for death, total and permanent disability as well as selected critical illnesses with the inclusion of the rider.

    However this plan comes with several perks that can diversify your coverage options as you go. It is a product that rewards you with Life Assured, if you choose to change your lifestyle habits and improve the condition of your 3 Highs. Allianz will upgrade your plan to provide comprehensive coverage for further critical illnesses. Upgrading it to a 36 Illness critical illness insurance plan will ensure you have extended coverage should the need arise.

    Another perk to look forward to is when your 3 Highs return to normal levels. Allianz will increase your coverage for Death and Total and Permanent Disability by 50%. 

    To ensure your upgrade request gets approved, remember to submit a regular certified medical or health report that reflects this change.

    How much am I covered for?

    For the Allianz 3H Cover, the minimum Sum Assured is RM5,000. Depending on your age, you can choose to increase your coverage up to a maximum of RM200,000 per life. 

    In the case of the 3H Critical Cover rider, the minimum Sum Assured is RM50,000. With this coverage as well, you can choose to increase your coverage up to a maximum of RM200,000 per life.

    Who can apply for this protection?

    Anyone between the age of 20 and 60 are eligible for this protection plan. After which, you can continue to renew the plan for coverage up to the maximum age of 85 years old.

    This product is available to individuals with either one of the 3 Highs or a combination of them.

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