Be ready for unexpected surprises with
Personal accident & health insurance
A health crisis should never become a financial crisis for your family. We help find gaps in your current coverage to ensure you always have access to the best medical care and a steady income if you are unable to work.
Why get Personal accident & health insurance
Income Support When You Can't Work
Provides lump sum payouts or income replacement if accidents or illness prevent you from earning temporarily or permanently.
Access to Quality Medical Care
Helps cover treatment costs, hospital stays, and recovery expenses, allowing you to focus on healing, not bills.
Home Modification Costs
If a serious injury requires you to install ramps or widen doors at home, the payout helps cover these renovation expenses.
Why get Personal accident & health insurance from TM Legacy Builders
01
Finding Gaps in Company Cover
Your company insurance may not cover everything. We check for "hidden gaps" so you don't end up paying big hospital bills yourself.
02
Specialist Hospital Advice
If you get sick, we guide you to the right hospitals and specialists. We help you find the best care for your specific condition.
03
Handling Past Medical History
If you have old health issues, we negotiate with the insurance company for you. We use our experience to get you the best possible coverage.
04
Managing Hard Claims
Accident claims require a lot of proof. Our agents help you gather the right medical reports to ensure the insurance company pays out.
Meet our team of advisors serving 4 generations of families
What Personal accident & health insurance can provide you
01
Accidental Death & Permanent Disability Benefits
Lump sum payouts if an accident results in death or permanent disability.
02
Medical & Hospitalisation Coverage
Covers hospital stays, surgeries, treatments, and related medical expenses.
03
Daily Hospital Income
Provides cash allowance for each day you're hospitalised.
04
Outpatient & Recovery Benefits
Support for follow-up treatment, physiotherapy, and rehabilitation.
05
Critical Illness Coverage
Lump sum payout upon diagnosis of major illnesses such as cancer, heart attack, or stroke.
Stories from the families we walk with
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- Enjoy personalized, no-pressure guidance to build your flexible future plan.
- Discover expert strategies to de-risk your life and financial assets.
- Get a customized quote and comparison tailored to your budget.
Build your plan with TM Legacy
Simple answers to the questions we hear most
How much coverage do you actually need?
Most professionals are either over-insured or dangerously under-covered. Take 60 seconds to calculate exactly how much coverage you need to keep your lifestyle and loved ones secure.
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Have a specific question or just curious about your options? Chat with our 24/7 agent to discover which plans fit your situation before you ever talk to our advisors.
If my employer provides medical coverage, what additional health protection do I actually need?
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Based on my family's medical history, which critical illness riders are essential for me?
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We’ve helped 4 generations of Malaysians to uplift their life with insurance protection.