B-Murid Group P.A.

An insurance plan specifically designed for schools or kindergartens to cover the lives of their students.

Introduction

B-Murid Group P.A. Insurance is the insurance plan specifically designed for a School/Kindergarten to purchase insurance for their students. We have two plans under this product.

 

From 2 years to 18 years old. 

The Benefits shall be payable on Death or Loss or Disablement solely and directly caused by accidental bodily injury.

 

  • Journey to and from school
  • Normal school hours
  • All school organised or supervised activities including sports and games
  • School holidays
  • Motorcycling as a rider or pillion rider provided that the Life Insured wears an approved crash helmet and possesses a valid driving licence

 

TABLE OF BENEFITS
 
PERSONAL ACCIDENT BENEFIT
PLAN I (RM) PLAN II (RM)
1 Dismemberment Benefits up to 50,000 50,000
2 Death by Accident 15,000 30,000
3 Additional Benefit for Death by Accident on Public Common Carrier when the insured student suffers accidental loss of life on a Public Common Carrier while traveling directly from residence to school or vice versa for school lessons and/or official school activities 15,000 30,000
4 Medical Reimbursement of actual expenditure for treatment of injuries caused by accident (per accident) Max. 2,000 Max. 3,000
5 Hospital Cash Allowance for each confinement at a Malaysian Hospital up to a maximum 60 consecutive days from the date of accident (min. 6 hours)    
  - Government Hospital (per accident) 50 50
  - Private Hospital (per accident) 25 25
6 Transport Allowance for admission to Malaysian Hospital due to accident    
  - Government Hospital (per accident) 50   50  
  - Private Hospital (per accident) 25 25
7 Reimbursement for Traditional Treatment (per accident) NIL 200
8 Snatch Theft Compensation Allowance (per accident) NIL 250
  PREMIUM PER YEAR  10 20 

 

 

SCALE OF PERMANENT DISABLEMENT BENEFITS

  Percentage of the
Sum Insured of
Section 2
 
Loss of sight of both eyes   100%
Loss of sight of one eye   100%
Loss of two limbs   100%
Loss of one limb   100%
Loss of speech and hearing   100%
Permanent and incurable insanity   100%
Total paralysis   100%
Loss of hearing Both ears 75%
One ear 25%
Loss of speech   50%
Loss of the lens of one eye   50%
Loss of four fingers and thumb of one hand   50%
Loss of four fingers   30%
Loss of thumbs Both phalanges 20%
One phalanx 10%
Loss of fingers Three phalanges 7.5%
Two phalanges 5%
One phalanx 2%
Loss of toes     All 15%
Great, both phalanges 5%
Great, one phalanx 3%
Other toe (one each) 2%
Fractured leg or patella with established non-union
after 26 weeks from the date of accident
  10%
Shortening of leg by at least 5cm   7.5%

The policy does not cover war risks, existing physical or mental defects, suicide, self-injury, participation in a criminal act, professional sports, racing of any kind (other than on foot), caving, parachuting, hang-gliding, hunting, mountaineering requiring ropes or guides, traveling as an aircraft crew, aerial activities, martial arts, radiation or contamination by radioactivity, and nuclear weapons material.

 

This brochure is not a contract of insurance. The descriptions of the available covers are only brief summaries for quick and easy reference. The precise terms and conditions that apply are stated in the policy.

Download the following forms and documents to find out more about this policy: 

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