Tokio Marine General Insurance Authorized Agent

Your Trusted Protection Since 1995

For over 30 years, I've helped families, business owners, and working adults across Sabah safeguard what matters most — with personalised advice, smooth claim support, and genuine long-term care. I represent Tokio Marine Insurance (Malaysia) Berhad.

30+

Years Experience

500+

Clients Protected

Coverage Types

WhatsApp Now 📞 Get Free Consultation

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30+ Years Trusted Advisor

30+

Years of dedicated service protecting families and businesses across Sabah

About Me

A Trusted Name in Sabah Insurance

"I don't just sell policies — I build lifelong relationships and make sure my clients truly understand what they're protected against."

With over three decades of experience as a licensed Tokio Marine agent, I, Wong Ket Pong, have dedicated my career to one purpose: helping individuals, families, and business owners in Sabah make informed decisions that genuinely protect their properties and also their futures.

Today, Tokio Marine General Insurance — one of Asia's most trusted general insurers — to deliver comprehensive coverage solutions tailored to your life stage and goals. Please note that I represent Tokio Marine General Insurance, so my services cover general insurance (property, motor, personal accident, medical, and travel). My commitment doesn't end when you sign a policy; I stay by your side for annual reviews, claims assistance, and genuine financial guidance.

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Personal ApproachEvery client receives one-on-one attention and customised advice.

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Transparent AdviceI explain every clause in plain English, Chinese, or Bahasa Malaysia.

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Always ReachableFast response via WhatsApp or phone when you need me most.

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Long-Term PartnershipAnnual reviews ensure your coverage grows with your life.

What I Offer

Insurance Solutions for Every Life Stage

Whether you're protecting your home, properties, car, health, or travel plans, I'll help you find the right Tokio Marine coverage at the right value.

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Property Insurance

Protect your home or business premises against fire, flood, burglary, and unexpected structural damage. Your property is likely your biggest asset — guard it properly.

Fire & perils coverage
Flood & natural disaster protection
Theft & burglary coverage
Renovation & content protection

Ideal for: Homeowners, landlords, SME business owners

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Motor Insurance

Comprehensive or third-party motor coverage that protects you from accident costs, theft, and liability — so you drive with complete peace of mind.

Comprehensive & third-party options
Windshield & flood add-ons
24/7 roadside assistance
Smooth, comfortable claims processing

Ideal for: Car owners, families with multiple vehicles

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Personal Accident Insurance

Accidents happen without warning. This coverage provides financial support for you and your family in the event of accidental injury, disability, or death.

Accidental death & permanent disability
Medical expense reimbursement
24-hour worldwide coverage
Affordable annual premiums

Ideal for: Working adults, parents, manual workers

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Medical Insurance

Rising healthcare costs shouldn't stop you from accessing the best treatment. Our medical plans cover hospitalisation, specialist care, and critical illness treatments.

Hospitalisation & surgery coverage
Specialist & outpatient care
Affordable annual premiums
Annual & lifetime limit options

Ideal for: Individuals, families, employees & retirees

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Travel Insurance

Travel confidently knowing you're covered for trip cancellations, medical emergencies abroad, lost luggage, and flight delays — wherever your journey takes you.

Emergency medical overseas
Trip cancellation & curtailment
Lost baggage & personal belongings
Individual, family & group plans

Ideal for: Frequent travelers, families on holiday

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Not Sure Which Plan Is Right for You?

Book a free 30-minute consultation and I'll help you find the most suitable coverage for your budget and lifestyle.

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Why Choose Me

What Sets Me Apart

In 30+ years, I've built my practice on one principle: your protection always comes before commissions.

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30+ Years of Expertise

Decades of experience across hundreds of clients means I anticipate risks you haven't thought of — and make sure you're protected before they happen.

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Fast, Responsive Service

I answer calls and WhatsApp messages promptly. When you have an urgent question or need help, you won't be waiting days for a reply.

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Hands-On Claim Support

I personally guide you through every step of the claims process — from paperwork to follow-up — so you receive what you're rightfully owed.

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Annual Policy Review

Your life changes, and so should your coverage. Every year I proactively review your policies to ensure they still match your needs and budget.

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Simple, Clear Explanations

No confusing insurance jargon. I explain every policy in plain language — English, Chinese, or Bahasa Malaysia — so you always know exactly what you're covered for.

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Financial Planning Mindset

I don't just sell coverage — I help you think holistically about protecting your family's financial future at every life stage.

Common Questions

Frequently Asked Questions

Have a question about insurance? Here are the most common ones I hear — answered in plain language.

For families, I typically recommend prioritising: (1) Medical insurance for all members, (2) Personal accident coverage, (3) Property insurance for your home, and (4) Motor insurance. The right combination depends on your family size, age, income, and lifestyle — which is exactly what I help you assess during a free consultation.

Employer-provided coverage is often limited — it may not cover your dependants, typically ceases when you leave the company, and usually has low benefit limits. Personal insurance fills these gaps, continues regardless of employment, and can be tailored to your specific family needs. I can review your existing employer coverage and recommend what supplementary protection makes sense.

Medical emergencies are unpredictable. A single hospitalisation in a private hospital can cost RM 20,000–RM 100,000 or more. Medical insurance protects your savings and ensures you receive treatment without financial stress. The younger and healthier you are when you start, the lower your premium.

When an insured event occurs, you notify me immediately. I guide you through the required documentation, submit the claim to Tokio Marine on your behalf, and follow up until settlement. My role is to make the process as smooth and stress-free as possible for you — you never have to navigate it alone.

Absolutely. Tokio Marine offers flexible plans with various riders and add-ons. For example, you can add flood protection to your property policy, or include critical illness coverage on top of your medical plan. During our consultation, I'll help you build a personalised package that fits your needs and budget precisely.

At minimum, once a year — which is exactly the service I provide to all my clients. Your coverage should always reflect your current life circumstances and financial obligations.

Your Trusted Protection Since 1995

A Trusted Name in Sabah Insurance

Insurance Solutions for Every Life Stage

What Sets Me Apart

Frequently Asked Questions

Let's Talk About Your Protection