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Having high cholesterol, high blood pressure or a high Body Mass Index (BMI) may be a deal breaker if you were looking to buy protection plan. Not anymore. 

Allianz Life Insurance Malaysia Berhad’s new Allianz 3H Cover offers a lifeline to those currently experiencing these “3 Highs” - high cholesterol, high blood pressure or a high Body Mass Index (BMI)- and are looking for a way to enhance their quality of life. 

With Allianz 3H Cover and its rider 3H Critical Cover, those with the “3 Highs” could take up a protection plan up to age 85 against four key critical illness conditions (heart attack, stroke, cancer and kidney failure), death as well as Total and Permanent Disability (TPD) before age 65. Previously, those with these pre-existing conditions risked being turned down outright by insurers. 

“Up until now, it wasn’t easy to get insurance coverage if you had pre-existing conditions such as the “3 Highs”. There is a chance where you will be turned down outright by insurers. The problem was staring right at us and that is why we came up with Allianz 3H Cover,” said Joseph Gross, Chief Executive Officer of Allianz Life Insurance Malaysia Berhad during the launch today.

In including high BMI as one of the “3 Highs”, Allianz 3H Cover goes beyond just supporting good health, but encourages overall improved health and wellbeing. 

“We want to give Malaysians out there a second lease of life and, more importantly, much deserved protection. As insurers, protection is our business, but we are also invested in enhancing your quality of life. At Allianz, we want to build a health network that changes people’s lives and their mindset towards improving their health” added Gross.

As an added incentive, Allianz 3H Cover also offers a Complimentary Added Coverage where customers will receive a 50 percent increase in their death and TPD coverage and the ability to upgrade their critical illness plan to the full, comprehensive 36 critical illness plan if their “3 Highs” are back to normal. 

Allianz Malaysia is also working together with Cardiac Vascular Sentral Kuala Lumpur, Columbia Asia, Pantai Hospitals, Gleneagles Hospitals and Nestle Omega Plus in building an ecosystem that protects, educates and nourishes Malaysians.  These partner hospitals will be conducting health talks on topics such as Knowing your numbers and heart disease and Taking care of your heart health throughout the month of November. 

“We want people out there to know that being part of this ecosystem is akin to making a promise to themselves and their families that they will not let their illness rule their lives. They may face difficulties in affecting change with their diets or lifestyle habits but change does not take place overnight. Change is a commitment. It grows over time and we at Allianz will be embarking on the journey together with you,” said Gross. 

To learn more about Allianz 3H Cover, visit

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