Wednesday 24/09/2025

^{Allianz Malaysia Chief Executive Officer, Sean Wang}


KUALA LUMPUR, Sept 24 (Bernama) -- Allianz Malaysia Berhad (Allianz Malaysia) is proud to support the government's Perlindungan Tenang Voucher (PTV) 3.0 programme with PerlindunganKu Allianz4All, a product which provides comprehensive coverage at affordable premiums made even more accessible with PTV3.0.
 
PerlindunganKu Allianz4All is designed to provide individual coverage for various aspects such as personal accident, medical and emergency relief, ensuring financial security in the case of unforeseen events. With the redemption of the PTV3.0 voucher, the plan can be purchased with annual premiums starting from as low as RM24, in line with the government’s efforts to enhance social protection particularly for lower-income households.
 
"We are committed to supporting the government's initiative to provide financial security to all eligible Malaysians through the PTV3.0 programme. PerlindunganKu Allianz4All is designed to offer the best coverage in times of need with affordable premiums, ensuring peace of mind for you and your loved ones,” said Allianz Malaysia Chief Executive Officer, Sean Wang.
 
The PTV3.0 programme is available to two million eligible recipients of Sumbangan Tunai Rahmah (STR) on a first-come, first-served basis. The redemption period runs from 1 September 2025 to 31 December 2025.
 
Under the PTV3.0 programme, STR recipients can redeem the RM30 voucher subsidised by the government to assist them in purchasing simple and affordable insurance or takaful products.
 
PerlindunganKu Allianz4All offers two plans tailored to meet diverse needs:

• Plan 1: Provides coverage of up to RM30,000 for death or permanent disablement due to accident, hospital income of up to RM50 per day up to a maximum 30 days a year for hospitalisation in government hospitals due to accident and illness, up to RM500 for medical expenses in government hospitals due to accident and illness, and RM500 lump sum emergency relief in the event of evacuation due to flood. The annual premium including 8% SST is RM54; however, STR recipients only need to pay RM24 on top of the PTV voucher to purchase this plan.
• Plan 2: Offers coverage of up to RM50,000 for death or permanent disablement due to accident, hospital income of up to RM100 per day up to a maximum 30 days a year for hospitalisation in government hospitals due to accident and illness, up to RM750 for medical expenses in government hospitals due to accident and illness, and RM750 lump sum emergency relief in the event of evacuation due to flood. The annual premium including 8% SST is RM81; however, STR recipients only need to pay RM51 on top of the PTV voucher to purchase this plan.

 
A distinctive feature of PerlindunganKu Allianz4All is the allocation of 53.5% of the premium upfront to a Claims Allocation Fund (CAF), which is used to pay out claims. Surplus from the CAF will be distributed to charitable causes, with the balance of the premium allocated to Allianz General for management fees. Additionally, premiums paid will be held in Islamic bank accounts, with investments aligned with Islamic Finance principles.
 
The surplus distribution from policyholders who utilise PTV3.0 will differ from the self-paid policyholders in compliance with the specification for PTV3.0, where a percentage of the surplus from the CAF will be distributed to the government.
 
In 2024, Allianz Malaysia through its subsidiary, Allianz General Insurance Company (Malaysia) Berhad distributed a total surplus of RM219,148 from the CAF to charitable causes, contributed from PerlindunganKu Allianz4All and Group Personal Accident Allianz4All.
 
PerlindunganKu Allianz4All can be purchased using PTV3.0 through our authorised distributors. For more information on PerlindunganKu Allianz4All, please visit PerlindunganKu Allianz4All | Allianz Malaysia.