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Eldercare Financial Planning · Malaysia

Who Will Take Care of You When You Grow Old?

Plan Ahead. Save 80% on Eldercare Costs.

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An older adult enjoying time with an adult family member
Fellest Teh sitting beside his grandmother in her wheelchair at home
Family keeping his grandmother company during a mealFellest Teh spending time outdoors with his grandmother and familyHis grandmother resting at home with New Year decorations behind her
Family visiting his grandmother in hospital to celebrate her birthday

A Personal Story

Why eldercare planning matters to me

When my grandmother could no longer bathe, dress or move around on her own, our family's daily life changed almost overnight. Someone had to be with her — morning, noon and night.

We took turns, adjusted work, and eventually looked into caregivers and nursing homes. Love was never the problem. Time, energy and money were.

That experience is why I focus on eldercare planning today: so families can face these moments with dignity, choices and less financial strain.

“Caring for someone you love should not have to mean choosing between their needs and your family's future.”
Start Planning for Your Future Care

Understanding OAD

Protection that continues into later life

OAD stands for Old Age Disablement: financial protection against qualifying disability in old age. It is not a nursing-home or caregiving service.

01

TPD — Total and Permanent Disability

Covers qualifying total and permanent disability, subject to policy terms. Coverage commonly ends at age 65 or 70, depending on the policy.

02

OAD — After Age 65

Old Age Disablement addresses qualifying disability in old age. Coverage may continue up to age 100, subject to policy terms.

Coverage, definitions and age limits vary by product. Please refer to your own policy documents for details.

A caregiver gently helping an older woman stand up from her chair at home

OAD Eligibility & Definition

How OAD is defined

  1. 1Occurs after age 65
  2. 2Caused by accident or sickness
  3. 3Unable to perform at least 3 of 6 Activities of Daily Living (ADLs) without assistance
  4. 4Assessed by two medical practitioners appointed by the company
  5. 5Condition has lasted for at least six consecutive months
  6. 6Disability did not exist on the policy issue, alteration effective or reinstatement date, as applicable

The six Activities of Daily Living

A caregiver supporting an older man transferring between a bed and wheelchair

Transfer

Getting in and out of a bed, chair or wheelchair.

An older woman walking indoors with a walking frame and caregiver support

Mobility

Moving indoors from room to room on level surfaces.

A caregiver discreetly discussing continence care with an older woman

Continence

Managing bladder and bowel functions to maintain personal hygiene.

A caregiver helping an older man put on a shirt

Dressing

Putting on and taking off clothing, including fastenings.

A caregiver helping a fully clothed older woman wash her arm in an accessible bathroom

Bathing / Washing

Washing oneself in the bath or shower, or by other means.

A caregiver helping an older man eat prepared food

Eating

Feeding oneself once food has been prepared.

Full policy terms, conditions, exclusions and eligibility requirements apply. ADL descriptions above are simplified summaries — please refer to the official policy contract for exact wording.

How a qualifying benefit may help

Qualifying benefits may help with future care needs, such as:

Caregivers

Home caregiver or assistance with daily activities

Nursing homes

Residential or assisted care

Daily living

Everyday expenses and essentials

These are examples of how a benefit may be used. They are not requirements for making a claim.

See How OAD Can Protect You

Two Different Needs

Medical Card vs Eldercare Insurance: What's the Difference?

Medical Card

What It Covers
Hospital bills, surgery and medication, subject to policy benefits.
When It Pays
During eligible hospitalisation, according to the policy terms.
After Hospital
Ongoing care after hospital discharge depends on the specific policy benefits.
Typical Claim Duration
Hospital claims may relate to stays lasting days or weeks, depending on the treatment and circumstances.
Main Purpose
Protect you from high hospital bills and eligible medical expenses.

Eldercare Insurance

What It Covers
Eligible care needs, potentially including private nursing, in-home caregiving and rehabilitation, depending on the specific plan.
When It Pays
When you meet the plan's qualifying disability or Activities of Daily Living criteria.
After Hospital
Eligible benefits may continue while you meet the plan's qualifying conditions, subject to policy terms and benefit limits.
Typical Claim Duration
Care needs may continue for months or years. The actual claim duration depends on the individual's circumstances, eligibility and policy benefits.
Main Purpose
Help protect your lifestyle, retirement savings and family finances from qualifying eldercare costs.

Medical expenses and long-term care needs are different financial challenges. Understanding both can help you plan more confidently for the future.

Find Out What Protection You May Need

The Cost of Growing Older Is More Than You Think

As we grow older, we may need help with everyday activities, rehabilitation or long-term care.

These costs can continue long after a hospital stay. Without preparation, ongoing care expenses may put pressure on retirement savings and family finances.

A caregiver helping an older man in a wheelchair with hand exercises at home

If you need daily care, where will the money come from?

Consider whether your savings and existing protection would be enough to support your future care needs.

Is your retirement savings prepared for years of care expenses?

Retirement planning should consider not only everyday living expenses, but also the possibility of needing ongoing care.

Have you considered how your care needs could affect your family?

Planning ahead can help you understand your options and prepare for possible care expenses, while reducing uncertainty for your family.

Planning ahead gives you more time to understand your options.

You do not need to wait until retirement or until a health issue appears to start thinking about future care costs.

Start Planning for Your Future Care
Fellest Teh, insurance advisor, in a navy blue suit

Your Advisor

A trusted guide for your family's later years

Fellest Teh

Insurance Advisor

I help Malaysian families understand eldercare risks and build plans that protect both dignity and finances — explained clearly, in English or Mandarin.

7 Years

Insurance experience

Million Dollar Club

Achiever

Mini Convention

Achiever

FAQ

Common questions

A medical card covers hospital bills, surgery and medication. It does not cover ongoing eldercare costs such as private nurses, in-home caregivers or nursing home expenses. Eldercare protection helps you prepare financially for future care needs, protecting your retirement savings and easing the financial burden on your family.

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Eldercare Insights

Thoughtful conversations about daily living, caregiving costs and preparing for later life.

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