Students will never think about insurance when something unexpected happens. That is exactly when a protection plan becomes truly valuable. And it is not just for working adults. Students often need it even more, especially when you do not have a steady income to support yourself if an accident happens. So to begin, let us answer some of the most common questions students ask about insurance.
Enjoy all these benefits with SOMPO Lifestyle!
Life is full of unexpected twists. An accident injury or the loss of something valuable can quickly disrupt your plans. But are you financially prepared to handle these situations? Discover how SOMPO Lifestyle can help you stay protected as a student.
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)
What if an Accident changes your life forever or worse, takes it away?
SOMPO Lifestyle provides a lump sum payout for Accidental Death or Permanent Disablement to support your family's expenses.
- Accidental Death up to RM50,000
- Permanent Disablement up to RM50,000
- Additional Indemnity (applicable whilst travelling on public transport) up to RM50,000
What if the true cost of an accident is the medical bills, not just the pain?
SOMPO Lifestyle covers medical and recovery expenses, including hospital bills, physiotherapy, and alternative treatments, so you can focus on healing without financial worry.
- Accidental Medical Expenses up to RM1,000
- Alternative Medical Treatment up to RM1,000
- Second or Third Degree Burn up to RM10,000
- Physiotherapy Treatment up to RM500
- Mobility Expenses up to RM1,000
- Orthopaedic Equipment up to RM1,500
What if an accident leaves you with sudden financial burdens?
Losing a parent or guardian in an accident is hard, both emotionally and financially. SOMPO Lifestyle offers financial support with an Education Allowance to help you stay in college and cover other unexpected expenses.
- Receive Education Allowance of RM5,000
- Snatch Theft up to RM1,000
- Personal Liability up to RM50,000
- Funeral Expenses (Death due to all causes) up to RM5,000
- Repatriation of Mortal Remains (Death to all causes) up to RM10,000
What if you cannot afford to replace your phone or relocate your rented home?
A stolen phone or rental issue can disrupt your student life. With Smart Device Protection and Rental Interruption coverage from SOMPO Lifestyle, you’ll always have a safety net.
- Smart Device Protection up to RM500
- Receive full payout for Rental Interruption RM1,000
What if all you needed was someone to listen and guide you with the right advice?
SOMPO Lifestyle is not just about protection. It is also your access to real support when life takes an unexpected turn.
If you become a victim of fraud, identity theft, or even cyberbullying, you should not have to deal with it alone. This plan gives you a way to reach out for professional advice and emotional support whenever you need it most.
And here is the best part. This extra support is included as a complimentary. It is our way of saying we are with you, not just in emergencies, but in everyday challenges too.
Frequently Asked Questions (FAQs)
Table of Benefits and Premiums
SOMPO Lifestyle offers two affordable plans that provide smart, simple and essential protection so you can focus on your future with peace of mind.
| Table of Benefits | Plan 1 | Plan 2 |
| Accidental Death | RM50,000 | RM30,000 |
| Permanent Disablement (Refer to Short Scale table)* | RM50,000 | RM30,000 |
| Accidental Medical Expenses | RM1,000 | RM500 |
| Alternative Medical Treatment | Up to RM1,000 | Up to RM1,000 |
| Additional Indemnity (Applicable whilst traveling on a public transport) | RM50,000 | RM30,000 |
| Education Allowance (due to accidental death / total paralysis of a parent / Legal Guardian) | RM5,000 | RM5,000 |
| Personal Liability | RM50,000 | RM50,000 |
| Funeral Expenses (death to all causes) | RM5,000 | RM2,500 |
| Repatriation of Mortal Remains (death due to all causes) | RM10,000 | Not applicable |
| Physiotherapy Treatment (due to accidental injury) | RM500 | RM350 |
| Smart Device Protection (RM250 per device) | RM500 | RM500 |
| Rental Interruption | RM1,000 | RM1,000 |
| Mobility Expenses | Up to RM1,000 | Up to RM1,000 |
| Second / Third Degree Burns | Up to RM10,000 | Up to RM10,000 |
| Orthopedic Equipment / Mobility Devices / Medical Devices | Up to RM1,500 | Up to RM1,500 |
Available Support for Unauthorised Financial Transactions, Identity Theft & Cyber Bullying | ||
| Not Inclusive of SST | RM180.00 | RM120.00 |
| Inclusive of 8% SST | RM194.40 | RM129.60 |
Permanent Disablement (Short Scale Table)
This table shows you how much you'll get paid for different types of permanent injuries depending on how serious the injury is and which body part is affected. The payout will follow a percentage of your total sum insured under the Permanent Disablement benefit in your plan.
| Loss | Percentage of the Sum Insured of Benefit 2 |
| Total and irrecoverable loss of all sight in both eyes | 100% |
| Total loss by physical severance at or above the wrist or ankle of both hands or both feet or of one hand together with one foot | 100% |
| Total loss by physical severance at or above wrist or ankle of one hand or one foot together with the total and irrecoverable loss of sight in one eye | 100% |
| Total paralysis | 100% |
| Total and irrecoverable loss all sight on one eye | 50% |
| Total loss of physical severance at or above wrist or ankle of one hand or one foot | 50% |
Note: The aggregate of all percentages payable under Benefit 2 in respect of any one Period of Insurance shall not exceed 100%.