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:
- 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|
(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)
BENEFIT A - DEATH
In the event of Accidental Death occurring within 12 calendar months from the date of injury, the sum insured is payable.
BENEFIT B - PERMANENT DISABLEMENT
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%|
|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%|
|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%|
|Loss of index finger||Three phalanges||10%|
|Loss of middle finger||Three phalanges||6%|
|Loss of ring finger||Three phalanges||6%|
|Loss of little finger||Three phalanges||6%|
|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%|
|Loss of speech||50%|
|Loss of whole ear||Both||6%|
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.
BENEFIT C1 - TEMPORARY TOTAL DISABLEMENT
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.
BENEFIT C2 - TEMPORARY PARTIAL 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.
BENEFIT D - MEDICAL EXPENSES
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.
BENEFIT E - HOSPITAL INCOME
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
|Indoor Sales Personnel||1|
|Outdoor Sales Personnel||2|
|Real Estate Agent||2|
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.