Go online.
Just don’t go alone.
Why pay more for things you don’t need?
Buying an insurance or takaful plan online is cheaper. Everyone knows that part. The part nobody answers is who helps you when you’re lying in a hospital bed and the claim form makes no sense. CoverPal Plus does.
Buy your protection online. It can be up to 70% cheaper.
Here’s what people don’t usually tell you. When you buy through an agent, part of what you pay goes towards commissions and intermediary costs. Buy directly from the insurance or takaful provider, and you can save on these costs.
How much cheaper? Depends on the provider, the plan and your details. So we put the actual figures side by side for you to compare. See for yourself.
The real problem
Buying was the easy part.
You fill in the form, you pay, the policy lands in your inbox. And that’s where it ends. No agent, no name, no number that belongs to an actual person. Everything after that is on you.
That’s the bit that stops people. Not the price. Just not knowing who picks up on the day it matters.
“Siapa I nak call?”
The policy came as a PDF. No agent, no name, and no idea who to ask when something is actually wrong.
“Did I even buy the right one?”
You picked a plan off a comparison table months ago and haven't opened the document since.
“What if I get the claim wrong?”
They ask for more documents. Which ones, where do you send them, and who checks that it's right?
So we built the missing part.
CoverPal Plus
RM50 a year for
someone on your side.
About RM4 a month. For that you get a person who reads the policy with you, puts the claim together with you, and tells you what happens next. Works on cover you bought through us and cover you bought anywhere else.
We help you claim
Hospital bill, accident, medical card problem. Send us what you have, we check what else your provider needs and submit it for you.
We handle endorsements
Change your address, nominee, phone number or payment date. Tell us once and we prepare the request and send it in.
Ask us anything about your policy
“Is this covered ke tak?” “Why my premium naik?” Ask in English or BM. Including a policy you bought somewhere else.
One thing to be clear about: CoverPal Plus is a service subscription, not an insurance product. We don’t pay your claim and we don’t decide it. Your insurer or takaful operator does. Our job is getting the paperwork to them correctly and keeping you posted along the way.
What help actually looks like
You message. Then we take it from there.
- 01
You message us
Tell us what happened in your own words. A photo of the hospital bill is enough to start. No form to fill first.
- 02
We check what's needed
We read your policy, work out which documents your provider asks for, and tell you exactly what is still missing.
- 03
We send it in
The claim or the endorsement request goes to your insurer or takaful operator, submitted on your behalf.
- 04
We follow up
We chase it and tell you where it's at. The decision is still your provider's to make, and we'll tell you straight if they say no.
We’re still setting up the contact channel and the hours the team is reachable. Both will be listed right here before Plus opens for sign-ups, so you know what you’re getting before you pay for it.
Free to use, no account needed
See what’s out there, and what you’re short of.
The online plans,
side by side.
We cover term life, medical cards, critical illness and cancer plans, from insurers and takaful operators who sell direct online. You see what each plan we list covers, what it leaves out, and what it costs you a month.
- Term life, medical, critical illness and cancer
- Insurance and takaful sitting side by side
- Premiums quoted from the provider, with the conditions attached
Find the gap
before life does.
Answer a few questions and you get a financial health score. It gives you a rough figure, in ringgit, for how much cover you might be short of, then points you at plans worth a look. It's an estimate, and we show you the assumptions behind it.
- Retake it whenever life changes
- An estimated gap in ringgit, with the workings shown
- One tap from that estimate to the plans worth checking
Got questions?
The things people ask us before they sign up.
Jangan risau. We got you.
RM50 a year for someone who helps you claim, sorts out your policy changes and answers the questions you were about to google at 2am. Bought your cover somewhere else? That counts too.