| COVERAGE |
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This policy provides 24 hours worldwide protection against bodily injury caused by accidents resulting in accidental
death, permanent disablement, medical expenses and other benefits listed below. Limits of cover is in accordance to
the plan covered.
Protection when you need it most.
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Cashless Hospital Admission And Discharge From Panel Hospitals
In Malaysia (For All Accidents). Initial Cashless Admission Guarantee Up To RM3,000
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Renewal Bonus On Accidental Death And Permanent Disablement
Benefits In The Event Of No Claim On Permanent Disablement, 10% Per Year Up To
Maximum 50% Of Principal Sum Insured
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Double Indemnity Whilst Travelling In Public Conveyance /
Transport
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Overseas Medical Evacuation And Repatriation
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Medical Cover For Dengue, Malaria, Japanese Encephalitis (JE)
And Chikungunya
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Traditional Treatment Up To RM50 Per Visit / RM500 Per Accident
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Coma Due To Accident
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Trauma Counselling / Physiotherapy / Psychotherapy
/Rehabilitation Expenses
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Lump Sum Payment For 2nd And 3rd Degree Burns
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Lump Sum Payment For Multiple Or One Compound Or One Complete
Fracture To Hip Or Pelvis
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Lump Sum Payment For Multiple Or One Compound Or One Complete
Fracture To Thigh Or Heel
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Additional Benefits For Death Due To 'Natural Disasters'
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Personal Liability Cover Worldwide Except USA And Canada
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Terrorism Cover (Excluding Nuclear, Chemical Or Biological
Weapons Of Mass Destruction)
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10% Family Discount For 2 Or More Persons
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| EXTENSIONS |
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Strike, Riot and Civil Commotion |
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Hijacking |
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Food Poisoning |
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Drowning |
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Amateur Sports |
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Unprovoked Murder and Assault |
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Insect, Snakes, Vermin and Animal Bites |
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Disappearance |
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Winter Sports |
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Natural Disasters |
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Exposure to Natural Elements
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Motorcycling
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Hunting
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Scuba Diving
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Suffocation through Smoke, Fumes or Poisonous Gas
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| ELIGIBILITY |
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All Malaysian, Permanent Resident of Malaysia, Work Permit Holders in Malaysia and their
spouse/children who are residing in Malaysia. The age of the Insured Person is thirty (30) days to sixty five (65) years
old, renewable up to 70 years old.
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| TABLE OF
BENEFITS |
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| Item |
Benefits |
Plan 1
(RM) |
Plan 2
(RM) |
Plan 3
(RM) |
Plan 4
(RM) |
Plan 5
(RM) |
Plan 6
(RM) |
| 1. |
Accidental Death (Renewal Bonus 10% Per Year Up To Maximum 50% Of The Principal Sum Insured) |
50,000 |
100,000 |
250,000 |
500,000 |
750,000 |
1,000,000 |
| 2. |
Permanent Disablement (Renewal Bonus 10% Per Year Up To Maximum 50%
Of The Principal Sum Insured) |
50,000 |
100,000 |
250,000 |
500,000 |
750,000 |
1,000,000 |
| 3. |
Medical Expenses (Cashless Hospital Admission & Discharge -
Admission Guarantee Up To RM3,000) |
3,000 |
3,500 |
4,500 |
5,500 |
6,000 |
6,500 |
| 4. |
Corrective Dental And / Or Cosmetic Surgery |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
| 5. |
Traditional Treatment (Per Visit / Max RM500) |
50 |
50 |
50 |
50 |
50 |
50 |
| 6. |
Purchase Of Orthopaedic Equipment |
1,000 |
1,000 |
1,000 |
2,000 |
2,000 |
2,000 |
| 7. |
Ambulance Fee |
1,000 |
1,000 |
1,000 |
1,000 |
1,000 |
1,000 |
| 8. |
Daily Hospital Income (Max 180 Days) |
75 |
75 |
100 |
175 |
200 |
225 |
| 9. |
Home Nursing Care |
3,000 |
3,000 |
3,000 |
3,000 |
3,000 |
3,000 |
| 10. |
Compassionate Care (Per Day / Max RM1,000) |
100 |
100 |
100 |
100 |
100 |
100 |
| 11. |
Blood Transfusion |
5,000 |
10,000 |
20,000 |
30,000 |
35,000 |
40,000 |
| 12. |
Miscarriage Due To Motor Vehicle Accident |
1,000 |
1,000 |
1,000 |
1,000 |
1,000 |
1,000 |
| 13. |
Overseas Medical Evacuation And Repatriation Expenses (Due To
Accident) |
10,000 |
10,000 |
30,000 |
30,000 |
50,000 |
50,000 |
| 14. |
Bereavement Allowance |
5,000 |
10,000 |
20,000 |
50,000 |
75,000 |
100,000 |
| 15. |
Funeral Expenses |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
| 16. |
Kidnap Cover |
5,000 for Expenses and 25,000 for Rewards |
| 17. |
Snatch Theft |
300 |
300 |
300 |
300 |
300 |
300 |
| 18. |
Repatriation of Mortal Remains |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
| 19. |
Personal Liability |
50,000 |
100,000 |
200,000 |
300,000 |
350,000 |
400,000 |
| 20. |
Double Indemnity Whilst Travelling In Public Conveyance / Transport |
100,000 |
200,000 |
500,000 |
1,000,000 |
1,500,000 |
2,000,000 |
| 21. |
Trauma Counselling / Physiotherapy / Psychotherapy / Rehabilitation
Expenses |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
| 22. |
Multiple Or One Compound Or One Complete Fracture To Hip Or Pelvis |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
| 23. |
Multiple Or One Compound Or One Complete Fracture To Thigh Or Heel |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
| 24. |
2nd Or 3rd Degree Burns |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
| 25. |
Death Due To Natural Disasters |
5,000 |
10,000 |
25,000 |
50,000 |
75,000 |
100,000 |
| OPTIONAL WEEKLY BENEFIT |
| 1. |
Temporary Total Disablement (Per week) |
50 |
75 |
150 |
250 |
375 |
500 |
| 2. |
Temporary Partial Disablement (Per Week) |
25 |
37.50 |
75 |
125 |
187.50 |
250 |
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| ANNUAL GROSS PREMIUM |
Plan 1
(RM) |
Plan 2
(RM) |
Plan 3
(RM) |
Plan 4
(RM) |
Plan 5
(RM) |
Plan 6
(RM) |
| CLASS 1 & 2 |
| Without Weekly Benefit |
105 |
150 |
390 |
605 |
840 |
1,080 |
| With Weekly Benefit |
150 |
220 |
460 |
710 |
990 |
1,270 |
| CLASS 3 |
| Without Weekly Benefit |
150 |
290 |
450 |
N/A |
N/A |
N/A |
| With Weekly Benefit |
195 |
360 |
560 |
N/A |
N/A |
N/A |
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CLASSIFICATION OF OCCUPATION
| Class 1 | Persons engaged in professional, administrative, managerial, clerical and non-manual occupations. |
| Class 2 | Persons engaged in work of supervisory nature but not involved in manual labour |
| Class 3 | Persons engaged in manual work which involved the use of tools or machinery. |
| PRODUCT DISCLOSURE SHEETS |
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| Click
here to view Product Disclosure Sheets (PDS). |
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