Individual P.A.

Pick and choose your coverage that suits your needs and lifestyle the most to insure against any medical expenses, liabilities, and harm sustained from accidents.


This is a flexible PA product where you can pick and choose your own coverage that will most meet your needs. 

Wide Cover which includes the following free of charge:


  • Disappearance
  • Motor-cycling
  • Food poisoning
  • Murder and assault
  • All natural disasters
  • Riot strike and civil commotion
  • Most games and sports (as an amateur only)
  • Hijacking not arising from war-like action
  • Drowning, suffocation by smoke or poisonous fumes
  • Exposure to the elements as a result of an accident
  • Insect and animal bites which cause immediate death or injury
  • Intoxication (except drunken driver as governed under the law)
  • 24 hours worldwide protection
  • Burial or Cremation Expenses of RM2,000/-
  • Loss of use of limbs is treated as loss of limbs
  • Service Tax on Medical Expenses incurred is payable
  • Repatriation Expenses up to RM5,000/- in the event of death
  • Flying as fare-paying passenger on board licensed passenger carrying aircraft
  • Definition of accident does NOT include the words "violent external and visible"
  • Reimbursement for Traditional Treatment of RM25/- per visit subject to maximum RM250/- per accident
  • Automatic Increase of RM500/- in Medical Expenses in the event of Life Insured being hospitalised
  • Death and Permanent Disablement Benefit is payable over and above weekly benefits, medical expenses or hospital income
  • Hospitalisation Allowance of RM500/- per accident payable to Insured for hospital confinement exceeding 14 days when weekly benefits is covered



Section Benefit Amount of Coverage
A\B Accidental Death/Permanent Disablement Flexible
C1 Temporary Total Disablement (TTD) per week 0.2% of the sum insured for Accidental Death/ Permanent Disablement and up to a maximum of RM1000 week whichever is lower
C2 Temporary Partial Disablement (TPD) per week 50% of TTD
D Medical Expenses Flexible
(In multiple of RM1,000 up to maximum of RM5,000)
E Hospital Income per week Flexible
(In multiple of RM100 up to maximum of RM500)


In the event of Accidental Death occurring within 12 calendar months from the date of injury, the sum insured is payable.



In the event of Accidental Permanent Disablement occurring within 12 calendar months from the date of injury, the sum insured or a percentage of the sum insured is payable.


Permanent Disablement (PD) Scale


Description of Disablement   Percentage of the Sum Insured of PD Benefit
Loss of two limbs   100%
Loss of both hands or of all fingers and both thumbs   100% 
Total loss of sight of both eyes   100%
Total paralysis   100%
Injuries resulting in being permanently bedridden   100%
Any other injury causing permanent total disablement from gainful employment of any and every kind   100%
Loss of arm at shoulder   100%
Loss of arm between shoulder and elbow   100%
Loss of arm at elbow   100%
Loss of arm between elbow and wrist   100%
Loss of hand at wrist   100%
Loss of leg At hip  100%
  Between knee and hip 100%
  Below knee 100%
Eye: Loss of Whole eye  100%
  All sight in one eye  100%
  All sight in one eye except perception of light 50% 
  Lens of one eye 50% 
Loss of four fingers and thumb of one hand   50% 
Loss of four fingers   40%
Loss of thumb Both phalanges 25%
  One phalanx  10%
Loss of index finger Three phalanges 10% 
  Two phalanges 8%
  One phalanx 4%
Loss of middle finger Three phalanges 6%
  Two phalanges 4%
  One phalanx 2%
Loss of ring finger Three phalanges 6%
  Two phalanges 4% 
  One phalanx 2% 
Loss of little finger Three phalanges 6%
  Two phalanges 4% 
   One phalanx 2% 
Loss of metacarpals First or second
  Third, fourth or fifth
Loss of toes All 15% 
  Great, both phalanges 5%
  Great, one phalanx 2%
  Other toe (each)  1% 
Loss of hearing Both ears 75%
  One ear 15%
Loss of speech   50%
Loss of whole ear Both 6%
  One 3%


Where the injury is not specified the Company reserves the right to adopt a percentage of disablement which in its opinion is not inconsistent with the provisions of the scale.



In the event the Life Insured is totally disabled and is unable to engage in or attend to his usual occupation, a specified weekly is payable for such period of temporary total disablement.



In the event the Life Insured is partially disabled and is unable to engage in or attend to a substantial part of usual occupation, a specified weekly benefit of 50% of the amount specified in Benefit C1 is payable for such period of temporary partial disablement.



In the event the Life Insured requires medical treatment for injuries resulting from accident, and provided such treatment is received from qualified medical practitioner, such medical and surgical expenses necessarily and reasonable incurred are payable.



In the event the Life Insured requires hospitalisation in a registered hospital or government hospital as a result of accidental bodily injury, a specified weekly income is payable for such period of hospitalisation.


Professions and occupations involving non-manual, administrative or clerical work, solely in offices or similar non-hazardous places.



Professions and occupations involving work of a supervisory nature or traveling outside office for purposes but not engaging in manual work.



Professions and occupations involving manual work and/or the use of tools or machinery.


List of Occupations


Occupation Class
Accountant 1
Actuary 1
Artist 1
Auditor 1
Baker 3
Barber 2
Beautician 2
Building Architect 2
Building Engineer 2
Cashier 1
Chauffeur 2
Chemist 1
Clerk 1
Computer Programmer 1
Cook 3
Crane Operator 3
Dentist 2
Dishwasher 3
Domestic Servant 3
Draftsman 1
Dressmaker 2
Editor 1
Electrician 3
Engine Fitter 3
Farmer 3
Fashion Designer 1
Florist  2
Gardener 3
Graphic Designer 1
Hair Dresser 2
Hawker 3
Health Inspector 2
Hospital Attendant 2
Housewife 1
Indoor Sales Personnel 1
Insurance Agent 2
Insurance Surveyor 2
Journalist 1
Judge 1
Laboratory Attendant 2
Land Surveyor 2
Lawyer 1
Lecturer 1
Librarian 1
Life Guard 3
Lorry Driver 3
Medical Doctor 1
Marketing Personnel 2
Messenger 2
Mechanic 3
Music Teacher 1
Nurse 2
Office Executive 1
Optician 1
Outdoor Sales Personnel 2
Packer 3
Pharmacist 1
Plumber 3
Printer 3
Real Estate Agent 2
Store-man 3
Student 1
Surgeon 1
Teacher 1
Tour Guide 2
Waiter 2
Watchman 3
Welder 3


All other professions and occupation not mentioned above must be returned to the Company for approval. To contact us, please email us.


Age Limit Of Entry:

From 16 to 65 and renewable up to 80 years.

The policy does not cover war risks, existing physical or mental defect, suicide, self-injury, pregnancy or child-birth, hernia, HIV bacterial or viral infections, any disease or sickness, 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, water-ski jumping, underwater activities involving the use of breathing apparatus.


This brochure is not a contract of insurance. The descriptions of the available cover are only a brief summary 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: