Ultima Care P.A.

Helps you and your family cope financially should an unfortunate event causes death, injury or permanent disability with 24 hours worldwide protection.


This policy is essential to provide coverage for Death & Bodily injury caused by accidents with 24 hours worldwide protection. This plan offers wide range of benefits to safeguard you and your loved ones.


1) High Sum Insured

We cover Accidental Death or Accidental Permanent Disablement up to RM1,000,000 per adult and up to RM3,000,000 per family.

2) Renewal Bonus

Principal sum insured will increase from 10% per year up to a maximum of 100% upon renewal of insurance for Death and Permanent Disablement.

3) Double Indemnity

Double Indemnity up to RM2,000,000 per adult and RM6,000,000 per family for Accidental Death or Permanent Total Disablement whilst traveling on a public transport or  traveling overseas.

4) Financial Protector

We settle your outstanding credit card bills up to your credit card limit subject to maximum limit stated in the Schedule of Benefits.

5) Personal Liability

We cover up to RM1,000,000 per adult or RM3,000,000 per family should you be liable to pay a third party for accidental bodily injury or accidental property damage.



  • Accidental Medical Expenses

We cover your medical expenses up to RM10,500 per adult or RM31,500 per family for treatment received from a hospital or clinic due to an accident.

  • Kidnap Benefit

We cover a lump sum payment of RM5,000 in the event the Insured Person is kidnapped and a reward of RM25,000 for information leading to the recovery of the Insured Person.

  • Terrorism Cover

We cover up to RM250,000 per adult / child or up to RM750,000 per family.


Please refer to the Schedule of Benefits for detailed benefits.

Please click here for the Schedule of Benefits.

Please click here for the Premium Table.

Any Malaysian aged between 16 to 70 and is renewable up to 80 years old. Dependent children (unmarried & unemployed) must be 30 days and under the age of 19 or up to 23 years if still undergoing full-time education at a recognized educational institution in Malaysia.

Housewives and babysitters are not entitled to Weekly Benefits. Adult who is 18 years old and above (unemployed) is only eligible for Plan 1 & Plan 2 without Weekly Benefits.


Period of Cover and Renewal Options

The Policy shall become effective as of the date stated in the Schedule. The Policy Anniversary shall be one year after the effective date and annually thereafter. On each such anniversary, this policy is renewable at the premium rates in effect at the time as notified by the Company. A notice of 30 days will be given should any premium rate be increased.

Factors contributing to the increase of renewal premium are your age and claims experience. Renewal will not be invited once you attain the maximum age limit of this product.

This policy is renewable at the option of the policyholder subject to terms and conditions at each policy anniversary. Application for change of benefits to a higher plan can only be made upon renewal and is subject to acceptance by the Company.


Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance wholly for purposes unrelated to your trade, business or profession, you have a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form. You must answer the questions in this Proposal Form fully and accurately.

Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance.

The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us.

In addition to answering the questions in the Proposal Form, you are required to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied.

You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given in this Proposal Form is inaccurate or has changed.



Full premium must be paid before the effective date of the Policy.



The Insured shall within 30 days of any injury, accident, loss or damage that incurs claimable expenses, given written notice to the Company stating full particulars of such event, including all original bills and receipt.

Excluded Occupations

Armed security guards, police, army/military and law enforcement officers, aircraft testers, air or ship crews, animal trainers, firemen, seamen or sea fishermen, divers, explosive handlers, jockeys, oil rigs workers, persons engaged in demolition of buildings, persons working in acid/chemical factories (hazardous) works, professional entertainers, professional sportsmen or sportswomen, quarry workers, racing drivers, railway manual workers, sawyer and timber logging workers, steeplejacks, stevedores, underground tunnelling and mining, window cleaners (more than 3 storey building) and woodworking machinists.



War risks, pre-existing physical or mental defect or infirmity, childbirth, miscarriage, provoked murder or provoked assault, travelling as an aircraft crew, aerial activities, martial arts, racing, radiation or contamination by radioactivity and nuclear weapons material.

        Select file to download