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

Insurance advisor

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

01

A road accident left Ravi unable to work for months, but his personal accident insurance covered his medical bills and lost income.

Personal accident & health insurance

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A road accident left Ravi unable to work for months, but his personal accident insurance covered his medical bills and lost income.

02

When Zulhelmi was diagnosed with early-stage cancer, his critical illness payout allowed him to focus entirely on recovery.

Personal accident & health insurance

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When Zulhelmi was diagnosed with early-stage cancer, his critical illness payout allowed him to focus entirely on recovery.

03

Meet Jason, a 28-year-old entrepreneur who started his journey with nothing but a dream

Personal accident & health insurance

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Meet Jason, a 28-year-old entrepreneur who started his journey with nothing but a dream

Tokio Marine 2023 Speaker
Tokio Marine 2024 Star Agency
Tokio Marine 2024 Star Unit
Tokio Marine 2024 Perfect Club
MDRT 2025 Award
Tokio Marine 2023 Speaker
Tokio Marine 2024 Star Agency
Tokio Marine 2024 Star Unit
Tokio Marine 2024 Perfect Club
MDRT 2025 Award

Let's start a conversation

Advisor
  • 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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