A total of six million people born or voting in Selangor will be eligible for a special insurance scheme with a payout of RM10,000 beginning this October.
Skim Insurans Hayat Selangor (INSAN) which is a first of its kind in the country, is free as the premium will be paid by the Selangor State Government.
It offers all six million policy holders RM10,000 in compensation, in the event of death, accident or injuries by type. It also covers those who sustain permanent disabilities or experience loss of limbs.
Speaking at the 65th State-level National Day celebrations in Dataran Kemerdekaan Shah Alam recently, Datuk Seri Amirudin Shari who is Selangor’s Menteri Besar said INSAN will benefit almost everyone currently in Selangor.
“Only one of two simple conditions must be met to qualify for INSAN. The first is you are born in Selangor. The second is you are not born in Selangor but a voter in Selangor.”
INSAN which has a RM60 billion cover value is open to all born or voting in Selangor between the age of 30 days to 80 years.
The scheme opens for registration on 1 October 2022. It is free.
SELANGOR ON THE FOREFRONT PROMOTING SOCIAL SAFETY NET
For the record, the Selangor State Government has been on the forefront of promoting and providing its citizens and residents with social safety netting.
In 2016, the state administration introduced Skim Peduli Sihat (SPS), a medical scheme aimed at providing medical coverage of up to RM500 per annum for families with a monthly household income below RM3,000.
The following year, another two insurance schemes, Peduli Sihat Penjawat Awam (PSPA) and Skim Insurans Pesawah (SIP) were introduced to cater for an estimated 18,000 civil servants and 10,000 paddy farmers statewide.
The massive positive public feedback catapulted Pakatan Harapan (PH) to include a similar medical insurance scheme in its 14th General Election manifesto.
In April 2019, a year after Pakatan Harapan captured Putrajaya, PeKa B40 was launched by the Federal Government to benefit 800,000 B40 citizens above the age of 50.
In April 2020, during the height of the Covid-19 crisis, Amirudin’s state administration extended SPS’s coverage to include death, total permanent disabilities and critical illnesses. The move resulted in more Selangorians and residents becoming recipient of the welfare aid.
SPS was reorganised and restructured in 2021 for better efficiency, resulting in the birth of Iltizam Selangor Sihat (ISS).
ISS currently covers 100,000 policy holders a RM500 annual medical benefit and RM6,000 compensation in the event of death. Policy holders are families with a monthly household income below RM3,000.
INSAN which will be open in October, is an extension existing programmes, especially for Selangorians and residents currently ineligible for SPS, PSPA, SIP or ISS.
Despite not covering medical bills, the general insurance is set to benefit M40 families the most, in the event of sudden death, accident or illness.