It’s our 2nd year of living with Covid-19, one variant after another. Alpha, Beta, Gamma, and just recently introduced; Omicron.

At this point, wearing mask(s), and carrying a pocket hand sanitiser with us everywhere we go has become the norm. 

Just like a road accident, the chances might be small but never zero for anyone to get infected with Covid-19.

Just a matter of time, most of us would already have contracted this virus or know someone who has.

John, our CEO, was no exception. However, he has nothing but positive experience (pun intended) to shout about upon getting insured by fatberry’s Covid-19 insurance 😏 Here’s his story. 

How John got the ‘Rona?

It started from his son who was a close contact with a friend who is also a positive (though unknown at that time). Upon contracting it, he brought it home and eventually, the whole family caught on the virus. Luckily, John bought a RM218 Covid-19 insurance policy from fatberry, 2 weeks prior to getting infected.  

What is this Covid-19 Insurance at

The Covid-19 Insurance at is a policy underwritten by Tokio Marine to insure you of respiratory diseases, including Covid-19, resulting in hospital confinement. Examples of other respiratory diseases are asthma, lung infection, pneumonia, etc.

There’s no need for a medical checkup, and you can still apply even with pre-existing respiratory conditions (T&Cs apply).


What are the benefits of the Covid-19 Insurance and how much is the premium?

There are 3 different plans for you to choose from:

Sum insured (RM)

Benefits Plan 1000 Plan 2000 Plan 3000
Hospital Allowance Benefits  Due to respiratory disease and/or Coronavirus Disease 2019 (Covid-19) 1,000 2,000 3,000
Coronavirus Disease 2019 (Covid-19)  Benefit without Hospitalization 500 1,000 1,500
Funeral Expenses Respiratory Disease and/or Coronavirus Disease 2019 (Covid-19) 5,000 5,000 5,000
Annual Premium (RM) 88.00 155.00 218.00

With 3 different options given, you may choose the plan with an annual premium that fits your budget. It’s always better safe than sorry! Plus, the premium is an annual premium, so you only have to worry about paying a little extra only once a year.

Based on this table, John who purchased the RM218 annual plan gets the RM1,500 payout once he’s detected positive for Covid-19. For only RM218, not only he gets back his insurance 

“With the RM218 annual premium plan, the RM1,500 benefit given was more than enough to help cover the cost of spending for PCR tests for 4 people (=RM720) and self test kits (=RM200) during my home quarantine for 2 weeks. Even my food delivery charges were covered 100% since we cannot step outside during this quarantine period! Luckily I am covered by fatberry’s Covid-19 insurance!”                                

So what’s next? Claim the Covid-19 insurance. Here are 3 simple steps:

Seek medical treatment from qualified and certified Physician.
Contact Tokio Marine Customer Service at 1800-88-0812, provide Policy Number, Name of Claimant, Date of Diagnosis within 30 days.
Submit completed and signed claims form, together with supporting documents to Tokio Marine

*The claim processing begins within 5 working days, after completed claim documents handover.

Documents required for claim purposes:

1. Claim Form duly completed and signed. 2. Proof of identity of insured person. 3. Hospital admission report / Medical Report & / Death Certificate – stated causes of admission/death.

4. Copy of result of Coronavirus Disease Test (RT-PCR or any test that has been approved by Ministry of Health) that has been certified by a Physician to be positive.

John’s finally recovered! The best part? He has ZERO burden of medical fees!

“My family and I were diagnosed with Covid-19, but with Covid-19 insurance, I am totally free from any financial burden that usually comes with Covid-19! The RM218 annual premium plan really was worth every cent.”

So what are you waiting for? Get insured against the financial burden that comes with Covid-19 at now and worry less!

*The content provided is for informational purposes only. Fatberry makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. Should you require more information on our products, please refer to or contact us.

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