Make Your Insurance More Affordable with Tokio Marine FlexiPay

1. Introduction — Why FlexiPay Matters

For many, paying a lump sum premium for insurance can be a financial stress especially when budgeting for family, bills, or other living costs. That’s why Tokio Marine’s FlexiPay option is a game-changer. With FlexiPay, you can split your insurance premium into 0% interest instalments, making protection more accessible, flexible, and wallet-friendly.

2. What Is Tokio Marine FlexiPay?

FlexiPay is a permanent instalment payment plan (IPP) offered by Tokio Marine that allows eligible policyholders to pay their insurance premiums in 3, 6, or 12 monthly instalments — without any interest.

Here are the key details:

1. Credit Card Requirement: Only Maybank and CIMB credit cards (Visa & MasterCard) are eligible for the plan.

2. Minimum Premium:

1. 1. 3‑month plan: minimum premium RM 300
   2. 6‑month plan: minimum premium RM 600
   3. 12‑month plan: minimum premium RM 1,200

3. No Extra Fees: There are no processing fees or hidden charges, you simply repay the annual premium in instalments.
4. How to Apply: You need to fill out a Credit Card Instruction Form and submit it to a Tokio Marine office or authorised agent.

3. Benefits of Using FlexiPay

A. Make Insurance More Budget-Friendly

With FlexiPay, you don’t need to pay a large lump sum upfront. Instead, you spread it over up to 12 months, making it easier to manage your monthly cash flow without sacrificing coverage.

B. Zero Interest — No Hidden Costs

Because it’s a 0% instalment plan, you don’t pay extra interest or service charges. According to Tokio Marine’s terms, what you pay in instalments is exactly your premium — no more, no less.

C. Flexible Payment Tenure

You can choose from a 3-, 6-, or 12-month plan depending on your financial situation.

D. Increased Access to Insurance

FlexiPay lowers the barrier for purchasing expensive policies like motor or home insurance. It’s easier to protect your assets when the payment structure is more flexible.

E. Trusted and Transparent

The plan is clearly defined, with no hidden fees or surprises, and is backed by Tokio Marine — a reputable insurer in Malaysia.

4. Is FlexiPay Right for You? (Use-Case Scenarios)

1. Young Professionals: Want to get a few policies but prefer not to stress your monthly finances by paying the entire premium upfront.

2. Families: Need to spread out payments so that budgeting for other monthly expenses is easier.

3. Policy Upgrades: You’re renewing or increasing your coverage and want a more manageable payment structure.

4. Seasonal Cashflow Variations: You receive bonuses or large payments at different times of the year, so paying in instalments aligns better with your cash flow.

5. How to Sign Up for FlexiPay

1. Check Your Eligibility
   Make sure you have a Maybank or CIMB credit card and that your premium meets the minimum requirement for your desired tenure (3/6/12 months).
2. Fill Out the Instalment Form
   Complete the Credit Card Instruction Form provided by Tokio Marine or contact your agent.
3. Submit Your Request
   Submit the form at a Tokio Marine branch or Just Insure Sdn. Bhd.
4. Make Monthly Payments
   Once approved, pay your instalments each month via your credit card — just like any other credit card charge.
5. Manage Your Policy
   You’re free to carry on with your insurance coverage. Even with instalments, you still get all the benefits of the policy (motor, home, PA, etc.).

6. Why FlexiPay Is a Smart Move for Your Insurance Strategy

1. Lower Barrier to Entry: More people can afford good insurance coverage.
2. Better Cash Flow Management: Spread cost without paying extra interest.
3. Increased Customer Satisfaction: Easier payments mean more clients likely to renew.
4. Competitive Edge: Tokio Marine stands out by offering a flexible payment option that many traditional insurers don’t.

Ready to make your insurance more affordable? Contact Just Insure Sdn. Bhd. today to learn more about FlexiPay and set up a 3, 6, or 12-month instalment plan. Protect your assets now without straining your finances. Chat online with us!

Important notes: This article is meant purely for informational purposes and does not constitute an offer, recommendation, solicitation or advise to buy or sell any product(s). It should not be relied upon as financial advice. The precise terms, conditions and exclusions of any products mentioned are specified in their respective policy contracts. Please seek independent financial advice before making any decision.

This advertisement has not been reviewed by the Tokio Marine Insurans (Malaysia) Berhad.