HR PORTAL

FAQ

General

We offer a wide range of insurance products to meet your needs. For more information, please visit here.

Yes, easycover.my is available for download on Android, Huawei and iOS devices.

The "Device Alert" message may appear due to enabled Developer Options on your device. Developer Options are advanced settings designed for developers to test and debug applications. When these options are active, some apps like easycover.my may flag the device as tampered with or compromised (e.g., rooted or jailbroken), even if it’s not.

To resolve this, kindly refer to Quick Guide for steps to disable Developer Options and ensure App compatibility.

Yes, we have a dedicated customer support team ready to assist you. You can reach out to us here.

Yes, we prioritize the security and confidentiality of your personal information. Our verification processes adhere to stringent security protocols, ensuring the protection of your sensitive data.
The verification process for plan and policy purchases is integral to the transaction. It is recommended to complete the verification promptly to ensure a seamless and secure experience. Delays in verification might affect the processing of your requests.
Payment modes that are available are credit card, debit card, and FPX.
Yes, you will get an e-receipt for every successful transaction. It will be sent to your email. Please keep the receipt for future reference.

eWill

A Will is a legally binding document where you state your wishes for how your estate should be distributed when you pass away. A Will may also be used to appoint guardians to take care of your minor children, and executors to manage your estate on death.

If you die without a Will in place the ‘rules of intestacy’ will apply. This will mean that your estate will be distributed according to provisions of the Distribution Act 1958 (as amended in 1997). This may mean that your assets end up passing not in accordance to your preference.

To make a Will you must be over 18 years old (for Peninsular Malaysia and Sarawak); 21 years old and above (for Sabah). To make a Will, you must have ‘testamentary capacity’. This is the mental capacity to understand and make a Will. You must be able to understand:

  • The nature and effect of making a will
  • The size and nature of your estate (what you own)

You must also not be suffering from any mental disorder that effects your ability to make a Will.

As long as you have testamentary capacity you are free to change or revoke your Will as you please. We recommend that you review your Will every 3-5 years or on certain life events such as marriage, divorce, birth of children, death of any beneficiary, or if your financial situation changes.

Will writing is not a reserved legal activity, so you don’t have to instruct a lawyer to draft your Will. You can draft your Will yourself, however if you have a huge estate and detailed wishes for a comprehensive Will, we recommend that you seek our professional advice.

It will become legally binding upon execution with two independent witnesses and is written according to the Wills Act 1959.

No, both the witnesses and the testator must sign the Will at the same time. The function of the witnesses is to confirm and verify that the testator is of sound mind.

No. A beneficiary or his/her spouse must not be a witness. If he/she does, then he/she will lose his/her share in the Will. However, this will not affect the validity of the Will.

Under the Law, two witnesses are required to be present when the testator signs his/her Will. The purpose of their presence is to confirm that the testator is of sound mind and aware that he is signing a Will.

No, they need not read your Will or know the contents of your Will. They merely confirm that you are of sound mind and you sign the Will in their presence.

Yes. It will revoke the Will written before marriage.

A person is legally capable of holding property upon attaining the age of 18.

No, under the Will Act, a Will need not be stamped.

Definitely. A Will only takes effect upon your death and till then you have control to deal with these assets.

Private Retirement Scheme (PRS)

Anyone aged 18 and above is eligible to contribute to the PRS. You will need to provide proof of identification, such as your Identification Card, Police/Armed Forces ID (for Malaysians), or Passport (for foreigners).

Yes, an undischarged bankrupt can open an account and participate in a private retirement scheme. However, you are legally obligated to inform the Director General of Insolvency (DGI) of all your assets, including your PRS investments, as required under Section 24 of the Bankruptcy Act 1967.

No, the PRS is a voluntary, supplementary retirement savings plan in addition to the EPF. By law, EPF funds cannot be withdrawn to contribute to the PRS.

You can withdraw your PRS savings, either partially or in full, starting the day after you turn 55 years old, as stipulated by the Securities Commission Malaysia. Withdrawals can also be made in the event of the member's death, Permanent Total Disablement (PTD), Serious Disease (SD), or Mental Disability (MD), as defined by the Securities Commission Malaysia.

Yes, individuals who contribute to their PRS funds can claim personal tax relief of up to RM3,000 from the Inland Revenue Board of Malaysia. This tax relief is available until the assessment year 2025.

General Insurance

Additional verification is essential to authenticate the identity of the purchaser. This extra step is crucial for safeguarding financial transactions and adhering to regulatory standards.

Indeed, easycover.my App offers a comprehensive suite of after-sales and claims services, including:

  • Expert Product Advisory
  • Policy Updates
  • Claims Updates and Follow up
  • Secure Document Storage
  • Swift Hotline Access
  • Dedicated Service Team
  • Professional Guidance

For further support, you may also reach out directly to your chosen insurance provider.

Absolutely. To renew, simply provide:

  1. Vehicle Registration Number
  2. Owner’s ID (NRIC/Passport Number)
  3. Postcode

Follow the easycover.my App’s prompts to compare insurers and finalize your purchase.

easycover.my App currently offers insurance from esteemed providers such as:

Conventional

  • AIG Malaysia Insurance Berhad
  • Allianz General Insurance Company (M) Bhd
  • Berjaya Sompo Insurance Berhad
  • CHUBB Insurance Malaysia Berhad
  • Etiqa General Insurance Berhad
  • Generali Insurance Malaysia Berhad
  • Liberty Insurance Berhad
  • Lonpac Insurance Berhad 
  • Great Eastern General Insurance (M) Berhad
  • MSIG Insurance (Malaysia) Berhad
  • Pacific Insurance Berhad
  • QBE Insurance (M) Berhad
  • RHB Insurance Berhad
  • Tokio Marine Insurans (M) Berhad 
  • Tune Insurance Malaysia Berhad
  • Zurich General Insurance Malaysia Berhad

Takaful

  • Etiqa General Takaful Berhad
  • Syarikat Takaful Malaysia Am Berhad
  • Takaful Ikhlas General Berhad
  • Zurich General Takaful Malaysia Berhad

easycover.my App will send timely reminders for motor insurance to your registered email. This service is available exclusively for private vehicles.

Your insurance policy or cover note will be delivered to your registered email within 24 hours of purchase. If not received, please contact us.

Tap the “My Coverage” icon on the Home page to view completed transactions.

For such inquiries, please contact us.

Yes, you may cancel the policy on the same day by following the Standard Operating Procedure (SOP).

Renewing through easycover.my App offers:

  • Effortless Convenience
  • Time Efficiency
  • Cost Savings
  • Accessibility
  • Swift Solutions in Emergencies

easycover.my App applicable for standard cars. For cases marked as 'Referred,' please contact us.

For emergency assistance, navigate to your policy page in App and select "Emergency Hot Button" to contact your provider’s auto assist service or contact us.

1

Employee Benefits

All full time and actively at work employees, directors, partners and proprietors with maximum entry age 64 (nearest birthday), in occupational classes 1 to 3 are eligible for GHS. The eligible age for employees is between 18 to 64 years old, renewable up to age 70 years old (age nearest birthday).

A minimum headcount of 3 employees is required to incept a policy.

Only "Annual" mode of payment is allowed.

"Cash Before Cover" is applicable for policies with annual premium of less than RM10,000 excluding stamp duty and service tax. "Cash Before Cover" means that the premiums must be paid before the insurance policy can be issued.

A minimum premium of RM2,000 excluding stamp duty and service tax is required to incept a policy.

Complete the movement template in excel format and upload via the mobile apps/HR Portal for any inclusion or deletion within 30 days prior to the benefit eligible date.

A pro-rated premium shall be refunded for any employee resignation and a pro-rated premium will be charged when a new employee joins the organisation after the policy commencement date.

Yes, any changes of benefits are allowed upon the policy anniversary subject to switching is due to promotion or demotion and it will be across the same employee category. A pro-rated premium will be charged or refunded. Any changes have to be informed within 30 days prior to the benefit eligible date.

An emergency means treatment needed where immediate medical attention is required within twenty four (24) hours from the injury, illness or symptoms which are sudden and severe failing which, it will be life threatening (eg: accident and heart attack) or lead to significant deterioration of health.

Yes, all benefits are applicable worldwide for 24 hours a day. However, if the Insured Member chooses to or is referred to be treated outside Malaysia by the attending doctor, the hospitalisation and surgical benefit payable will be based on the reasonable and customary and medically necessary charges for such an equivalent treatment in Malaysia. The transportation cost to the place of treatment is excluded.

For overseas Outpatient General Practitioner and Specialist Care, the benefits are payable within the limits as stated in the Schedule of Benefits.

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