Last update: 5th November 2025
STU INSURANCE SCHEMES
(Summary)
| Company Nama |
Product |
Coverage Type |
Entry Age |
Maturity Age |
Monthly Premium
(Per person)
|
Protection |
| Great Eastern |
Livin' Pay Plus |
Life |
Below 59 years old |
75 years old |
From RM44 to RM262 |
- Cover 45 critical illness
- Sum insured: RM40,000 - RM500,000
- Hospital Benefit
- Cashback upon maturity
|
| Etiqa |
Takaful Guru |
Below 59 years old |
65 years old |
Between RM30 & RM60 |
- Cover 36 critical illness
- Sum insured: RM50,000 - RM100,000
- Hospital Benefit
- Cashback upon maturity
|
| Emas Mutiara Plus |
Below 59 years old |
65 years old |
RM30 |
- Cover 45 critical illness
- Sum insured: RM60,000
- Hospital Benefit
- Cash back upon maturity
|
| Etiqa General Takaful |
Personal Accident |
This insurance is exclusively for valid STU members with active membership and will remain in effect as long as the individual is a member. A deduction of RM1.00 will be made from the membership fee paid by the member. |
| Prudential |
BSN Takaful
|
Medical Card |
Below 59 years old |
75 years old |
Plan B1
Member & Spouse
From RM53.60 to RM316.10
Children
Below 17 years old : RM18
|
- Annual limit: RM100,000 individually
- Annual renewable
- No cashback upon maturity
|
|
Plan B2
Member & Spouse
From 90 to RM650
Children
Below 17 years old: RM44
|
- Annual limit: RM200,000 individually
- Annual renewable
- No cashback upon maturity
|
| Tokio Marine |
Diamond Accident Protector |
Personal Accident |
Member & Spouse
Below 58 years old
Children
Below 23 years old
|
70 years old |
Between RM5 to RM10 - before SST |
- Cover personal accident & dengue
- Sum insured: RM10,000 - RM440,000
- No cashback upon maturity
|
| Diamond Accident Protector Plus |
Member & Spouse
Below 58 years old
Children
Below 18 years old
|
Member & Spouse
RM13 - before SST
Children
RM3.25 & RM6.50 - before SST
|
- Cover personal accident & dengue
- Sum insured: RM250,000 - RM1 million (benefit for the children differ from the parents)
- No cashback upon maturity
|
Insurance
| Insurance | Critical
Illness | Natural
Death | Accident
Death | Total
Permanent
Disablement
Due to Illness | Total
Permanent
Disablement
Due to
Accident | Partial
Permanent
Disability | Funeral
Expenses | Hospital
Benefit | Accident
Medical
Cost | Medical
Reimbursement | Cashback
Upon
Maturity | | Livin' Pay Plus | √ | √ | √ | √ | √ | | √ | √ | | √ | √ | | Etiqa Takaful Guru | √ | √ | √ | √ | √ | √ | √ | √ | | | √ | | Etiqa Emas Mutiara Plus | √ | √ | √ | √ | √ | | √ | √ | | | √ | | Etiqa General Takaful | | | √ | | √ | | √ | √ | | | | | Prudential BSN Takaful | | | | | | | √ | √ | √ | √ | | | Diamond Accident Protector | | | √ | | √ | | √ | √ | √ | | | | Diamond Accident Protector Plus | | | √ | | √ | | √ | √ | √ | | |
IMPORTANT!
The following are the suggested and recommended payment mode for all STU retired members to renew their insurance:
1) Livin' Pay Plus & Etiqa Takaful Guru (monthly/quarterly/half yearly/annually)
2) Prudential BSN Takalful, Diamond Accident Protector & Diamond Accident Protector Plus (must pay anually).
- All insurance application forms are available in "download"
|
