Ultima V3 P.A. is an accident insurance plan comes with extra benefits, so you can have total peace of mind. There are many plans you can choose from, depending on your needs.
- Provides extra 50% Renewal Bonus - regardless of any claim made except claims for Permanent Disablement, Personal Liability, and Kidnapping
- Double Indemnity Cover
- Personal Liability Cover
- Optional cover for Temporary Total Disablement Benefit
- Free Terrorism cover of RM20,000
- Optional additional cover for Terrorism up to RM200,000
- Panel Hospital admission service to panel hospital guarantee up to RM3,000 for accident
- Bereavement allowance for death due to Dengue Fever, Malaria, or Japanese Encephalitis (JE)
- Coverage for Coma due to accident
- Kidnap cover
- Reimbursement for Traditional Treatment of RM50 per visit subject to maximum RM500 per accident
- Reimbursement for hospital room & board, clinical and medical as a result of Dengue Fever, Malaria, or Japanese Encephalitis (JE)
- Reimbursement for Medical Equipment necessary to assist in mobility
- Reimbursement for Medical Report or Postmortem Report
- Service Tax on Medical Expenses incurred is payable
- Higher limit for Funeral Allowance
- Higher limit for Ambulance Fees
- Cover for SCUBA diving (up to a depth of 50 metres)
- Water sports and winter sports (amateur only)
- Bungee jumping
- All natural disasters
- 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
- 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)
- Mountaineering (not involving the use of ropes)
- Murder and assault
- Riot strike and civil commotion
|TABLE OF BENEFITS|
|SUM INSURED (RM) / PLAN|
|Plan 1||Plan 2||Plan 3||Plan 4||Plan 5||Plan 6||Plan 7||Plan 8|
|1||Death / Permanent Disablement||50,000||100,000||150,000||200,000||300,000||500,000||750,000||1,000,000|
- Traditional Treatment is covered of RM50 per visit up to max. RM500 per accident
|3||Weekly Hospital Income
(max. 52 weeks)
|- Class 1 & 2 occupations||150||250||300||350||500||700||850||1000|
|- Class 3 occupations||100||150||200||250||300||N/A||N/A||N/A|
|4||Temporary Total Disablement / Weekly
(optional - max. 52 weeks)
|- Class 1 & 2 occupations||50||100||150||150||200||375||500||750|
|- Class 3 occupations||50||50||50||100||150||N/A||N/A||N/A|
|5||Funeral Allowance due to Accident||5,000||5,000||5,000||5,000||5,000||5,000||5,000||5,000|
(Death due to Dengue, Malaria, or JE)
|8||Daily Hospital Visitation Allowance
(max. up to 50 days)
|9||Dental Correction and/or Corrective Cosmetic Correction||5,000||5,000||5,000||5,000||5,000||5,000||5,000||5,000|
|10||Coma due to accident||50,000||100,000||150,000||200,000||300,000||500,000||750,000||1,000,000|
|11||Weekly Home Nursing care
(max. 4 weeks per accident)
|12||Prosthesses / Wheelchair||2,000||2,000||2,000||2,000||2,000||2,000||2,000||2,000|
|- Necessary expenses incurred||5,000||5,000||5,000||5,000||5,000||5,000||5,000||5,000|
|- Reward for information to Recovery of the Insured Person||25,000||25,000||25,000||25,000||25,000||25,000||25,000||25,000|
|- Insured Person not recovered after one year from the day of kidnap||50,000||100,000||150,000||200,000||300,000||500,000||750,000||1,000,000|
|15||Permanent Impotency or infertility due to accident||5,000||10,000||15,000||20,000||30,000||50,000||75,000||100,000|
- Acidental 3rd degree burns covering at least 20% of body area
|17||Snatch Theft Compensation||500||500||500||500||500||500||500||500|
|18||Blood Contamination / Transfusion
(positively diagnosed with HIV within 2 years from date of blood transfusion in a hospital within Malaysia)
(10% increase of the Original Sum Insured for Death or Permanent Disablement for each year subject to max. 50%)
(in the case of death, permanent total paralysis or permanent total loss/loss of 2 limbs whilst traveling as a fare-paying passenger on public transport and traveling overseas)
|22||Panel Hospital Admission Service||3,000||3,000||3,000||3,000||3,000||3,000||3,000||3,000|
(excluding nuclear, chemical & biological)
|OPTIONAL TERRORISM COVER||30,000||80,000||100,000||100,000||100,000||200,000||200,000||200,000|
|ANNUAL PREMIUM (EXCLUDING STAMP DUTY)|
|OCCUPATION CLASS 1 & 2|
|Plan||With Weekly Benefits
|Plan||Without Weekly Benefits
for Optional Cover
|OCCUPATION CLASS 3|
|CLASSIFICATION OF OCCUPATIONS|
|CLASS 1||Profession or occupations involving non-manual, administrative, or clerical work - solely in offices or similar non-hazardous places.|
|CLASS 2||Profession or occupations involving work of a supervisory nature or traveling outside office for business purposes but not engaging in manual work.|
|CLASS 3||Profession or occupations involving occasional or regular manual work not particularly hazardous in nature but involving the use of tools or machinery (not using woodworking machinery).|
Pays lump sum in the event of accidental death.
Pays lump sum as specified in Permanent Disablement Scale in the event of permanent disablement as a result of an accident.
Permanent Disablement (PD) Scale
|Description of Disablement||Percentage of the Sum Insured of PD Benefit|
|Loss of two limbs
|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.
Reimbursement for the Actual, Necessary, and Reasonable medical or clinical treatment or medical equipment necessary to assist in the mobility of the Life Insured, traditional medical treatment incurred for injuries resulting from an accident, or illness due to Dengue, Malaria, or Japanese Encephalitis (JE). The fee for a medical report and/or postmortem report is also payable provided it is specifically required by the Company.
A weekly benefit is payable for the period of hospitalisation not exceeding 52 weeks and as a result of an accident requiring hospitalisation in a registered or government hospital, provided that such hospitalisation occurs within twenty-four (24) hours from the date of the accident. This benefit is not applicable for Food Poisoning, Dengue Fever, Malaria, or Japanese Encephalitis (JE).
Temporary Total Disablement Benefit (Optional Cover)
Pays up to 52 weeks if Life Insured is completely unable to attend to his/her work due to injury caused by an accident as certified by a qualified and registered medical practitioner. This benefit is not applicable for Food Poisoning, Dengue Fever, Malaria, or Japanese Encephalitis (JE).
Pays lump sum to the Insured's or Life Insured's next-of-kin or legal personal representative in the event of death benefit is payable. This benefit is not applicable for Food Poisoning, Dengue Fever, Malaria, or Japanese Encephalitis (JE).
In the event of the Life Insured's death due to Dengue Fever, Malaria, or Japanese Encephalitis (JE), the Company will pay the Insured or Life Insured's next-of-kin or legal personal representative 10% of the Original Principle Sum Insured specified in the Schedule as a Bereavement Allowance upon submission of the required documents.
Pays ambulance fees incurred consequent upon an accident up to RM1,000 per accident. This benefit is not applicable for Food Poisoning, Dengue Fever, Malaria, or Japanese Encephalitis (JE).
Hospital Visitation Allowance
Pays RM20 per day for the period of hospitalisation not exceeding 50 days. This benefit is not applicable for Food Poisoning, Dengue Fever, Malaria, or Japanese Encephalitis (JE).
Dental Correction and/or Corrective Cosmetic Surgery
Pays up to RM5,000 for any additional expenses incurred for corrective dental and/or corrective surgical operations to the neck, head, or chest (navel up) as a result of an accident.
Upon certification by a physician that the Life Insured has been in a coma state for at least one (1) year due to an accident, the Company will pay 100% of the Original Principle Sum Insured. However, the Company has a right to recover the payment made if the Life Insured regains consciousness provided that the deduction is made of 10% of the aforementioned payment for each year the Life Insured was in a coma state.
Home Nursing Care Charges
Pays up to RM500 per week subject to a maximum 4 weeks for any nursing care services rendered by a qualified and registered nurse that are medically necessary for the Life Insured who is totally disabled as a result of an accident and who would otherwise be confined as a bed patient in a hospital. This benefit is not applicable for Food Poisoning, Dengue Fever, Malaria, or Japanese Encephalitis (JE).
In the event the Life Insured suffers Permanent Disablement due to an accident, the Company will reimburse the Life Insured up to RM2,000.
Reimburse the Insured's or Life Insured's next-of-kin or legal personal representative up to a maximum of RM5,000 for the expenses incurred for the transportation of the mortal remains from the place where such accidental death occurs to the first point of entry into the country of residence.
Pay a lump sum of RM5,000 for necessary expenses incurred by the Life Insured's family to recover the Life Insured and also reward of RM25,000 for information leading to the recovery of the Life Insured provided that the Life Insured is alive at the time of recovery. The Original Principle Sum Insured will be paid in full if the kidnapped Life Insured is confirmed to have not been recovered after a period of one (1) year from the day of the kidnap.
Permanent Impotency and Infertility
Pay the Life Insured 10% of the Original Principle Sum Insured if the Life Insured suffers impotency or infertility due to an accident.
Pay the Life Insured 5% of the Original Principle Sum Insured for third degree burns covering at least twenty (20) percent of the Life Insured's body surface area as measured by the Rule of 9 of the "Lund and Browder Body Surface Chart" as a result of an accident.
Snatch Theft Compensation
Pay the Life Insured RM500 for loss or damage to jewelry or personal effects caused by snatch theft or wayside robbery.
Pay the Life Insured 10% of the Original Principle Sum Insured if the Life Insured contracts Human Immunodeficiency Virus (HIV) as a result of Blood Transfusion or Blood Contamination whilst the Life Insured is undergoing medical treatment for a covered injury or illness in a Government or Licensed Private Hospital within Malaysia, provided that the Life Insured is positively diagnosed with HIV within two (2) years from the date of transfusion in a hospital within Malaysia and the policy is still in force.
10% yearly increase on the original sum insured for death and permanent disablement benefits as renewal bonus up to a maximum of 50% provided that such renewal date is continuous and without breaks from the previous policy date. Once a claim is made for Permanent Disablement, Kidnap, or Personal Liability, any accumulated renewal bonuses will be forfeited and computations for future renewal bonuses will begin anew from the next renewal date.
Pays double the original sum insured for death or permanent disablement, total paralysis, or permanent total loss/loss of use of 2 limbs if accident occurs whilst the Life Insured is traveling as a fare-paying passenger on any mode of public transport or whilst traveling overseas. Overseas shall mean outside of Malaysia, Singapore, Negara Brunei Darussalam, and Thailand.
Subject to the limit of liability, the Company will indemnify the Life Insured in respect of all sums he/she shall become legally liable to pay to third parties in respect of accidental bodily injury or accidental damage to property. The territorial limit of this benefit is within Malaysia only.
Profession or occupations involving non-manual, administrative, or clerical work, solely in offices or similar non-hazardous places.
Profession or occupations involving work of a supervisory nature or traveling outside office for business purposes but not engaging in manual work.
Profession or occupations involving occasional or regular manual work not particularly hazardous in nature but involving the use of tools or machinery (not using woodworking machinery).
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.
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.
This brochure is not a contract of insurance. The descriptions of the available covers are only brief summaries for quick and easy reference. The precise terms and conditions that apply are stated in the policy.