Leave no stone unturned with plenty of extra benefits, including Double Indemnity Cover, Personal Liability Cover, Optional cover for Temporary Total Disablement Benefit and much more.
- Death and Permanent Disablement
- Medical Expenses
- Weekly Hospital Income
- Temporary Total Disablement
- Funeral & Bereavement Allowance
- Ambulance Fees
- Daily Hospital Visitation Allowance
- Dental Correction & Corrective Cosmetic Surgery
- Coma
- Weekly Home Nursing Care
- Prostheses/Wheetchair
- Repatriation Expenses
- Kidnap Benefits
- Permanent impotency or infertility
- Major Burns
- Snatch Theft Compensation
- Blood contamination/Transfusion
- Renewal Bonus
- Double Indemnity
- Personal Liability
- Panel Hospital Admission Service
- Terrorism Cover
The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Berjaya Sompo Insurance Berhad or PIDM (visit www.pidm.gov.my)
All Malaysians, Permanent Residents, Student Pass Holders or Employment Pass Holders/Work Permit Holders legally employed in Malaysia, and their spouse and children.
- Death/Permanent Disablement Sum Insured up to RM1,000,000.
- Renewal Bonus up to 50%.
- Cashless Panel Hospital Admission up to RM3,000.
- Double Indemnity up to RM2,000,000.
- Weekly Benefits (Weekly Hospital Income & Temporary Total Disablement).
- Terrorism Cover of RM20,000
Additional Information
Free Extensions
Additional coverage and benefits included with this policy at no extra cost to the policyholder.
- All natural disasters
- Disappearance
- Drowning, suffocation by smoke or poisonous fumes
- Exposure to the elements as a result of an accident
- Food poisoning
- Hijacking not arising from war like action
- Hunting
- Insect bites, snake bites and animal bites which cause immediate injury
- Intoxication (except drunken driver as governed by the law)
- Most games and sports (as amateur only)
- Motorcycling
- Mountaineering (not involving the use of ropes)
- Murder and assault
- Riot strike and civil commotion
Classifications and Excluded Occupations
Classifications of Occupations
CLASS 1
Professions involving non-manual, administrative or clerical work, solely in offices or similar non-hazardous places.
CLASS 2
Professions involving supervisory duties which may include occasional manual work with some occupational risk exposure or significant travelling outside office on business purposes.
CLASS 3
Professions involving regular manual work and/or the use of tools or machinery or exposure to hazardous conditions
Excluded Occupations
Armed security guard, police, army/military and law enforcement officer, aircraft tester, air or ship crew, animal trainer, fireman, seaman or sea fisherman, diver, explosives handler, jockey, oil rig worker, person engaged in demolition of buildings, person working in acid/chemical factory (hazardous) works, professional entertainer, professional sportsman or sportswoman, quarry worker, racing driver, railway manual worker, sawyer and timber logging worker, steeplejack, stevedore, underground tunneling and mining, window cleaner (more than 3-storey building), and woodworking machinist.
Age Limit of Entry:
From 16 to 65 and renewable up to 80 years.
General Exclusions
The policy does not cover war risks, existing physical or mental defects, suicide, self-injury, pregnancy or childbirth, hernia, 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.
