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Tokio Marine Authorized Agent

Your Trusted Protection Since 1993

For over 30 years, I've helped families, business owners, and working adults across Sabah safeguard what matters most — with personalised advice, fast claim support, and genuine long-term care.

30+
Years Experience
500+
Clients Protected
5
Coverage Types
Tokio Marine
Wong Ket Pong - Insurance Advisor
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30+ Years Trusted Advisor
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Tokio Marine Authorized
Fast Claim Support
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Annual Policy Review
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Simple Plain-Language Advice
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Based in Kota Kinabalu, Sabah
Wong Ket Pong
30+

Years of dedicated service protecting families and businesses across Sabah

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 future.

I entered the insurance industry because I witnessed firsthand how a single unexpected event — an accident, a medical emergency, a fire — could financially devastate an unprepared family. That experience drove me to become the kind of advisor I wished everyone had access to.

Today, I work with Tokio Marine — one of Asia's most trusted insurers — to deliver comprehensive coverage solutions tailored to your life stage and goals. 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 Bahasa Malaysia or English.
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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.

Insurance Solutions for Every Life Stage

Whether you're protecting your home, health, car, 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, theft, 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, fast claims processing
Ideal for: Car owners, families with multiple vehicles
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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
  • Critical illness riders available
  • Annual & lifetime limit options
Ideal for: Individuals, families, employees & retirees
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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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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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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 — Bahasa Malaysia, English, or Mandarin — 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, from young professional to retiree.

What Clients Say About Me

Real experiences from families and business owners I've had the privilege of protecting across Kota Kinabalu and Sabah.

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Mr. Wong has been my family's insurance advisor for over 15 years. When my husband was hospitalised unexpectedly, he handled the entire medical claim process for us. Within two weeks, everything was settled. I don't know what we would have done without his help.

LM
Linda Mak Housewife & Mother of 3, Kota Kinabalu
★★★★★
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As a small business owner, I need someone I can trust completely. Mr. Wong reviewed my property and employee policies thoroughly and identified gaps I wasn't aware of. His annual review service alone is worth more than the premium I pay.

RT
Raymond Teo Retail Business Owner, Luyang
★★★★★
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I'm a young professional who knew nothing about insurance. Mr. Wong sat with me patiently and explained everything without making me feel pressured. He recommended exactly what I needed — nothing more, nothing less. Truly trustworthy advice.

SN
Sarah Nadia Civil Engineer, Kota Kinabalu
★★★★★
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My car was badly flooded during last year's heavy rain. I was worried the claim would take months. Mr. Wong jumped in immediately, guided me through every document needed, and I had my settlement within three weeks. Exceptional service.

JL
James Lim Logistics Executive, Penampang
★★★★★
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We've referred all our siblings and relatives to Mr. Wong. His dedication is unlike any other agent we've met. He replies on WhatsApp even on weekends, and he genuinely cares about whether we're properly covered — not just about making a sale.

HC
Helen Chin Teacher & Parent, Damai
★★★★★
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I've had travel insurance from Mr. Wong for years. When I had a medical emergency in Bangkok, I was so relieved everything was covered smoothly. He had briefed me beforehand on exactly what to do if something went wrong. That preparation made all the difference.

MW
Michael Wong Frequent Traveler & Entrepreneur
★★★★★

Frequently Asked Questions

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

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.
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.
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.
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.
At minimum, once a year — which is exactly the service I provide to all my clients. Major life events like marriage, having children, buying property, starting a business, or reaching retirement age are also important triggers for a review. Your coverage should always reflect your current life circumstances and financial obligations.

Let's Talk About Your Protection

Ready for a no-obligation consultation? Reach out via WhatsApp, phone, or email — I'll respond promptly.

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Phone / WhatsApp 019-881 0881
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Office Address

Damai Plaza Phase 4,
Lorong Pokok Kayu Manis 2,
88300 Kota Kinabalu, Sabah, Malaysia

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Office Hours

Monday – Friday: 9:00 AM – 5:30 PM
Saturday: 9:00 AM – 1:00 PM

Chat with Mr. Wong