Description of Benefits
BENEFIT 1/2 - DEATH / PERMANENT DISABLEMENT
Pays the capital sum insured in the event of accidental death or permanent disablement to Insured Person(s) up to the amount stated in the Benefit 2 Coverage Table following an accident in the Specified Vehicle. This benefit is also extended to cover the Insured, Insured's legal spouse and any of their children between 3 to 18 years of age whilst
- as a pedestrian in an accident involving any vehicle including motor-cycles/scooters and pedal cycles.
- driving or travelling as a passenger in any vehicle licensed for private use other than motor-cycles/scooters
- travelling as a fare-paying passenger on any taxi, bus, railway, train, ferry, boat, ship or aircraft
Double Indemnity Benefit
The company will pay double the percentage of the Sum Insured of Benefit 2 above in the event the Insured Person(s) suffer loss of both hands or both feet or sight of both eyes or permanent quadriplegia or permanent total paralysis from the neck downwards.
Permanent Disablement Benefit (Benefit 2 Coverage)
| Description of Disablement | Percentage of the Capital Sum Insured of Benefit 2 (Per Person) |
| Loss of both hands or both feet | 100% |
| Loss of sight of both eyes | 100% |
| Total Paralysis (from the neck down) |
100% |
| Permanent Quadriplegia (loss or permanent total loss of use of four limbs) |
100% |
| Loss of one eye and one hand | 100% |
| Loss of one eye and one foot | 100% |
| Loss of one foot or one hand | 50% |
| Loss of sight of one eye | 50% |
| Insanity | 50% |
| Loss of four fingers and thumb in one hand | 50% |
| Loss of hearing of both ears | 50% |
| Loss of speech | 50% |
| Loss of all toes | 20% |
Permanent Disablement shall mean physical severance of member and shall include irrecoverable total loss of use. Loss of Speech shall mean permanent total inability to communicate orally.
BENEFIT 3 - MEDICAL EXPENSES
Reimburse medical expenses incurred in regard to hospital room and board, clinical, medical and surgical treatment, traditional medical treatment (RM25- per visit subject to maximum RM250/- per accident), medical aids and medical report following an event covered by the policy.
BENEFIT 4 - DAILY HOSPITAL INCOME
A daily benefit is payable up to maximum of 60 days for the period of hospitalisation as a result of event covered by the policy.
BENEFIT 5 - AMBULANCE FEE
Reimburse ambulance fees incurred following an event covered by the policy.
BENEFIT 6 - BURIAL OR CREMATION EXPENSES
A cash sum shall be payable in the event of death as a result of an event covered by the policy.