Nursing Care Insurance
Comprehensive Nursing Care Insurance
You Can Trust
Expert nursing care insurance to safeguard your future care needs — before the unexpected happens.
Imagine This…
You've just been through a major health scare, such as a stroke, and were hospitalized for treatment. Fortunately, your medical card covered the hospital bills. But once you’re discharged, reality hits differently. Your body feels weaker, movements slow down, and even basic tasks like walking, speaking, eating, or bathing become a daily challenge. You can no longer manage everyday life on your own — and at that point, the care and support from your loved ones and professional caregivers become absolutely essential.
The Truth No One Talks About
— Until It's Too Late
Your children love you — deeply.
But they also have careers, kids, and their own lives to manage.
You never want to reach a point where your care becomes their burden.
Sure, the idea of hiring a nurse or moving into a care facility sounds comforting… but have you checked the actual cost?
长期照护的成本，远比你想的高
In 2022, the average cost of a nursing home in Malaysia was RM4,500 per month for a shared room — but when you include essentials like physiotherapy, dietitian, adult diapers, and other ongoing care needs, the actual cost rises to around RM7,000 monthly. Over five years, that adds up to RM420,000 and medical cards don’t cover long-term care.
如果你需要额外服务，如物理治疗、营养师咨询、成人纸尿裤等，整体花费甚至可达 RM7,000/月。5 年下来，是一笔超过 RM420,000 的开销
This Is Why We Advocate for Nursing Care Insurance
It’s not just a policy — it’s a plan for dignity. With Nursing Care Insurance, you receive:
- A Lump Sum Payout when care is needed
- Annual Support Payouts to ease ongoing costs
So if life takes an unexpected turn, you're not left scrambling. You stay independent. You choose how you're cared for. And most importantly — your family stays just that: your family, not your caregivers.
你拥有主动选择的自由，也保有生活的尊严。
Why You Need to Think About This Now
Loss of self-care ability
Imagine needing help just to shower, eat, or use the toilet — and no one is there. It’s not just physical; it’s emotional. You feel trapped and powerless.
Emotional burden on loved ones
Your children are trying to be everything at once — employee, parent, caregiver. They won't complain. But over time, exhaustion, guilt, and unspoken resentment grow.
Financial strain during recovery
Suddenly, every family conversation centers around bills. Tension builds. Relationships suffer.
We started this work because too many families face these moments unprepared.
And we believe you deserve better.
Click below to explore how Nursing Care Insurance can work for you.
How to Claim Your Nursing Care Insurance Benefits
Claim Eligibility
Any Disability suffered by the Life Assured, after attaining age 65, as a result of an Accident or Sickness such that in the opinion of 2 Physicians or 2 Medical Practitioners appointed by the Company, the Life Assured cannot then or any time thereafter ever perform at least 3 out of 6 ADLs (Activities of Daily Living) as defined below without the assistance of another person, provided that the Disability:-
- Lasts for a minimum period of 6 consecutive months.
- Did not exist at the Issue Date, Alteration Effective Date or at any Reinstatement Date of this Policy
Definition of Activities of Daily Living
ACTIVITIES OF DAILY LIVING
Without assistance from others, unable to perform at least 3 out of 6 ADLs (Activities of Daily Living)
01
Transfer
Getting in and out of a chair without requiring physical assistance.
02
Mobility
The ability to move from room to room without requiring any physical assistance.
03
Continence
The ability to voluntarily control bowel and bladder functions such as to maintain personal hygiene.
04
Dressing
Putting on and taking off all necessary items of clothing without requiring assistance of another person.
05
Bathing / Washing
The ability to wash in the bath or shower (including getting in or out of the bath or shower) or wash by any other means.
06
Eating
All tasks of getting food into the body once it has been prepared.
Payout Options
Once eligible, you can choose your preferred payment method:
- Lump Sum: Receive the full claim amount in one single payout for immediate use.
- Annual Payout: Receive the total benefit through yearly payments for ongoing support.
Common Health Conditions That Qualify
Claims are typically triggered by conditions that cause long-term dependency or disability, such as:
- Stroke
- Alzheimer's disease (AD)
- Parkinson's disease (PD)
- Dementia
- Kidney Failure
- Cancer
How Can the Claim Amount Be Used?
The payout can be used to cover essential care-related expenses, including:
- Nursing Home For round-the-clock medical and personal care
- Private Nurse : For home-based professional care and assistance
- Retirement Resort : Comfortable, assisted living facilities for long-term care
Medical Card vs Nursing Care Insurance
有什么不同？
Benefit
Covers hospital & surgery bills
Covers long-term care
(caregiver / nursing home)
Lump sum payout when unable to care for self
Annual cash benefits
Nursing Care Insurance
Covers hospital & surgery bills
Covers long-term care
(caregiver / nursing home)
Lump sum payout when unable to care for self
Annual cash benefits
Medical Card
Covers hospital & surgery bills
Covers long-term care
(caregiver / nursing home)
Lump sum payout when unable to care for self
Annual cash benefits
Who Is This Plan Suitable For?
Adults aged 45–70 who want to prepare early as they age
希望趁早为未来的照护需求做好准备
Elderly individuals living alone or without a caregiver
日常生活中缺乏照顾者的年长人士
Parents whose children are working or living overseas
担心年老时无人照护
Singles or childless seniors concerned about future care
关注未来生活品质与自理能力
Families with OKU (disabled) children who may not be able to provide support
未来无法依靠子女提供照护的家庭
Filial children providing care and protection for aging parents
希望为父母提供更全面的保障
Schedule your personalized advisory session now!
Exclusive, confidential, and tailored to your goals.
Testimonial
Sometimes life takes unexpected turns...
When it does, having the right nursing care insurance can make all the difference.
Hear from families who trusted us to be there when it mattered most.
Meet Our Trusted Advisors
Since 2012, our team has been committed to serving clients with professionalism, reliability, and compassion.
This long-standing dedication, built over more than 13 years in the industry, has allowed us to earn lasting trust by providing thoughtful guidance and dependable support every step of the way.
郑丁喜
Emmanuel Teh
Founder
13 Years of Experience
陈静馨
Nicole Tan
Business Development Manager
10 Years of Experience
6 Times MDRT Qualifier
International Dragon Award Qualifier
骆德明
TB Loh
Business Development Manager
7 Years of Experience
3 Times MDRT Qualifier
刘镁萍
Everly Lau
Senior Advisor
4 Years of Experience
1 Time MDRT Qualifier
郑丁杰
Fellest Teh
Senior Advisor
5 Years of Experience
李美月
Agnes Lee
Senior Advisor
16 Years of Experience
王伊莹
Elena Ong
Senior Advisor
10 Years of Experience
Trusted by Over 10,000 Clients Across Malaysia
We offer both face-to-face and virtual consultations, making it easy for you to get the guidance you need, wherever you are.
Other Services:
- Health Insurance Planning
- MRTA & MLTA Planning
- Income Protection Planning
- Retirement Planning
- Key Man Insurance
- Debts Cancellation Planning
- Nursing Care Insurance
- Family Trust Planning
Company Core Value
Compassion
Authenticity
Responsibility
Excellence
TWC Advisory
TOGETHER WE CARE
News
Google Reviews
My agent Mr Teh Ting Jie explained well on the investment link products to me and assisted in doing claims smoothly
My agent, Fellest, has been incredibly supportive and reliable throughout the entire process. What stood out most was the genuine care and commitment shown to make sure everything was handled smoothly. I really appreciate the professionalism and the extra effort taken to ensure I fully understood my options. It gave me a lot of confidence knowing I was in good hands. Highly recommend!
My agent, Ting Jie is very professional and patient. He explained all the insurance details clearly and helped me choose the right plan for my needs. Highly recommended if you are looking for someone trustworthy in insurance.
Submitting a claim can often be a stressful process, but the agent was incredibly helpful with the claim submission.
The process was smooth and stress-free thanks to his clear communication and attention to detail. I truly appreciated the support and professionalism—keep it up!
The process was smooth and stress-free thanks to his clear communication and attention to detail. I truly appreciated the support and professionalism—keep it up!
The agent was very professional and patient in explaining everything clearly, even when I had many questions and was feeling confused. Really appreciate the helpful service!
the best service! very very helpful and thoughtful! highly recommend!!
We're Hiring
Be part of our growing team and shape the future of care protection.
We’re looking for passionate individuals to join us as:
- 业务发展经理 Business Development Manager
- 实习生 Interns
Enjoy competitive benefits, a supportive work culture, and endless growth opportunities.以及广阔的成长与发展机会。
Click the button below to learn more and take the next step with us.
Contact Us
Schedule Appointment
TWC Advisory
Registration Number:
201803284658 (PG0455855-M)
Address
Penang Office (HQ):
No. 1-04-21 , Egate , Lebuh Tengku Kudin 2, 11700, Gelugor, Pulau Pinang, Malaysia.
KL Office: Level 3, Tower B, PJ City Development, No, 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor, Malaysia.
KL Office: Level 3, Tower B, PJ City Development, No, 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor, Malaysia.
