Personal Accident

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Available Plans

  Benefits
Plan
A
B
C
D
E
F
Accidental Death / Kematian Akibat Kemalangan
50,000
100,000
150,000
200,000
300,000
500,000
Accidental Permanent Disablement / Ketakupayaan Kekal Akibat Kemalangan
50,000
100,000
150,000
200,000
300,000
500,000
Temporary Total Disablement / Ketakupayaan Menyeluruh Sementara (Per-week / Seminggu)
60
80
120
150
200
250
Temporary Partial Disablement / Ketakupayaan Separa Sementara (Per-week / Seminggu)
30
40
60
75
100
125
Medical Expenses (including Dengue, Japanese Encephalitis(JE), Malaria)
/ Belanja Perubatan (termasuk Denggi, Japanese Encephalitis (JE), Malaria)
3,500
5,000
6,000
7,000
8,000
9,000
Corrective Dental and/or Cosmetic Surgery / Surgeri Pembetulan Pergigian dan/atau Kosmetik
5,000
5,000
5,000
5,000
5,000
10,000
Traditional Treatment / Rawatan Tradisional (RM40 per visit - maximum 10 visits / RM40 setiap lawatan - maksimum 10 lawatan)
400
400
400
400
400
400
Purchase of Orthopaedic Equipment (including Implant ) / Belian Peralatan Ortopedik (termasuk Implan)
1,000
2,000
2,000
3,000
3,000
5,000
Ambulance Fees for services rendered in Malaysia (each accident)
/ Fi Ambulans di Malaysia sahaja (setiap kemalangan)
2,000
2,000
2,000
2,000
2,000
2,000
Medical/Post Mortem Report / Laporan Perubatan/Post-Mortem
200
200
200
200
200
200
Impotency & Infertility (Due to Accident) / Mati Pucuk atau Kemandulan (Akibat Kemalangan)
50,000
50,000
50,000
50,000
50,000
50,000
Kidnap Benefit (Reward for information leading to recovery of the Insured Person)
/ Faedah Penculikan (Ganjaran bagi maklumat mendapat kembali Orang yang Diinsuranskan)
30,000
30,000
30,000
30,000
30,000
30,000
Bereavement Allowance (Death due to Dengue, Malaria, Japanese Encephalitis (JE)
/ Elaun Kedukacitaan (Kematian Akibat Denggi, Malaria, Japanese Encephalitis (JE)
5,000
10,000
15,000
20,000
30,000
50,000
Funeral Expenses (Accident Only) / Elaun Pengebumian (Akibat Kemalangan Sahaja)
5,000
5,000
5,000
5,000
5,000
5,000
Daily Hospital Income (4th day up to maximum of 180 days)
/ Pendapatan Hospital Harian (Hari ke-4 Sehingga Maksimum 180 Hari) (Per-day / Sehari)
30
50
50
80
100
150
Home Nursing Care (Exceeding 4 consecutive weeks and up to a Maximum of 12 Months)
/ Rawatan Di Rumah (Lebih daripada 4 minggu berturut-turut dan sehingga Maksimum 12 Bulan)
3,000
3,000
3,000
3,000
3,000
3,000
Travel Expenses / Perbelanjaan Perjalanan
2,000
2,000
3,000
3,000
3,000
5,000
Blood Transfusion (Positive Diagnosis for HIV Caused by Blood Transfusion Done in a Hospital within Malaysia) / Transfusi Darah (Diagnosis Positif untuk HIV Akibat Transfusi Darah di Hospital di Malaysia)
5,000
10,000
15,000
20,000
30,000
50,000
Personal Liability (Legal Liability Against Third Party in Respect of Accidental Bodily Injury or
Damage to Property) TERRITORIAL LIMIT : MALAYSIA
/ Liabiliti Peribadi (Liabiliti Sah Untuk Bayar Kepada Mana-Mana Pihak Ketiga Di Atas Kecederaan Anggota Badan atau Kerosakan Harta Benda Akibat Kemalangan) HAD WILAYAH : MALAYSIA
50,000
100,000
150,000
200,000
200,000
200,000
Medical Evacuation / Repatriation Expenses (Due to accident overseas)
/ Pemindahan Perubatan / Perbelanjaan Penghantaran Pulang (disebabkan kemalangan seberang laut)
10,000
10,000
10,000
10,000
10,000
10,000
Double Indemnity (Due to Snatch Theft/Travelling in any mode of Public Transport as a fare paying passenger) / Pampasan Berganda (Disebabkan Ragut/Semasa dalam perjalanan sebagai penumpang berbayar tambang dengan apa-apa cara Pengangkutan Awam)
100,000
200,000
300,000
400,000
600,000
1,000,000
Renewal Bonus (10% for Each Year Up to Maximum 50%)
/ Bonus Pembaharuan (10% Bagi Setiap Tahun Sehingga Maksimum 50%)
YES / YA
Cashless Hospital Admission (Due to Accident & Panel Hospital in Malaysia Only )
/ Masuk Hospital Tanpa Tunai (Akibat Kemalangan & Panel Hospital di Malaysia Sahaja)
YES / YA ( Up to a Maximum of RM2,500 per admission and subject to Medical Expenses Limit / Maksimum RM2,500 untuk kemasukan hospital dan tertakluk kepada Had Belanja Perubatan)
ANNUAL PREMIUM / PREMIUM TAHUNAN (Excluding RM10 Stamp Duty / Tidak Termasuk Duti Setem RM10)
Premium With Weekly Benefit
/ Premium Dengan Manfaat Mingguan		 Non-Manual / Bukan Manual
124
193
261
342
459
799
Manual / Manual
173
275
385
534
783
NA
Premium Without weekly Benefit
/ Premium Tanpa Manfaat Mingguan		 Non-Manual / Bukan Manual
90
153
202
270
383
623
Manual / Manual
140
240
349
480
729
NA
AGE LIMIT / HAD UMUR (TERRITORIAL LIMIT / HAD LIPUTAN : Worldwide/24 hours / Seluruh Dunia/24 Jam)
Proposer/Spouse - 18 to 65 years old with renewal option up to 70 years old / Pencadang/Pasangan - 18 sehingga 65 tahun dengan pilihan pembaharuan sehingga umur 70 tahun
Children - 1 month to 18 years old or 23 years old if completing tertiary studies / Kanak-kanak - 1 bulan sehingga 18 tahun atau 23 tahun sekiranya masih melanjutkan pelajaran
Children - 1 month to 12 years old (Can only take up to RM50,000 without Weekly Benefits), 13-17 years old (RM100,000 without Weekly Benefits)
Kanak-kanak - 1 bulan sehingga 12 tahun (Hanya boleh mengambil perlindungan sehingga RM50,000 tanpa faedah mingguan), 13-17 tahun (RM100,000 tanpa faedah mingguan)

 

Extended Cover

  • Comatose
  • Disappearance
  • Drowning Exposure
  • Food Poisoning
  • Harmful Insect or Snake Bites or Animal Attacks
  • Hunting
  • Motorcycling
  • Suffocation by Smoke or Poisonous Fumes
  • Natural Disasters
  • Unprovoked Murder and Assault
  • Strike, riot and civil commotion
  • Sports Extension
  • Travelling as a Passenger on any Licensed Aircraft
  • Intoxication
  • Terrorism

WHO CAN SIGN UP?
Non-Manual : Persons engaged in administration, supervisory, clerical duties, working solely in office or similar non hazardous place of work or travelling outside office.
Manual : Persons engaged in occasional or regular manual work or involving the use of tools and machineries.

WHO IS COVERED?
This plan is open to all citizens or a permanent resident domiciled in Malaysia aged 18 to 65 years with renewal option up to 70 years.

G E N E R A L Exclusions
Insanity, Suicide and Self-Inflicted Injury, Pre-Existing Physical Defects or Infirmity, Disease, Infection or Parasites, Aids, Childbirth, Miscarriage, Pregnancy, Nuclear Weapons Material, Whilst Committing or Attempting to Commit any Unlawful Act, War Invasion, Act Of Foreign Enemy, Ionizing Radiation or Contamination by Radioactivity from any Nuclear Waste or from The Combustion of Nuclear Fuel, While Traveling in an Aircraft (Except As A Fare-Paying Passenger), Racing of any Kind (Other Than On Foot), Engaging In Martial Arts, Parachuting, Hang-Gliding, Mountaineering Involving The Use Of Ropes or Mechanical Guides (Including Rock-Climbing), Steeple Chasing, Ice-Hockey, Boxing, Bungee Jumping, Water Ski Jumping, Underwater Activities Exceeding Fifty Meters in Depth, Pace-Maker.