Denny Insurance Company Kuching Sarawak Malaysia

Personal Accident Insurance

Accident can happen anytime and anywhere. When a serious accident occurs, it not only causes pain and sufferings;
it can be a major financial burden too.

BGI has designed the following various personal accident products to cater all your needs.

	Individual P.A. Insurance
	Family P.A. Insurance
	Ultima P.A. Insurance
	Easy Rider P.A. Insurance
	Traveller's P.A. Insurance

INDIVIDUAL PA INSURANCE

Introduction

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 :

	Disappearance
	Motor-cycling
	Food poisoning
	Murder and assault
	All natural disasters
	Riot strikes 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.

Coverage

Section	Benefit	Amount of Coverage
A\B	Accidental Death/ Permanent Disablement	Flexible
C1	Temporary Total Disablement (TTD) per week	Flexible Up to 75% of weekly basic salary (In multiple of RM100 up to maximum of RM500)
C2	Temporary Partial Disablement (TPD) per week	50% of TTD
D	Medical Expenses	Flexible (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)

Benefits

	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.

	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.

Classification Of Occupation

	CLASS 1 Professions and occupations involving non-manual, administrative or clerical work, solely in offices or similar non-hazardous places.

	CLASS 2 Professions and occupations involving work of a supervisory nature or travelling outside office for purposes but not engaging in manual work.

	CLASS 3 Professions and occupations involving manual work and/or the use of tools or machinery

Age limit at Entry: From 16 to 60 years

General Exclusions

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.

FAMILY PA INSURANCE

Introduction

Family PA is specially designed to protect you and your family from financial difficulties by providing you with the following unique features:

	worldwide 24 hours protection against accidental death, permanent total disablement and specified injuries.
	pays your medical expenses as well as a weekly benefit in the event you or your spouse are hospitalised as a result of an accidental bodily injury.
	death and permanent disablement benefit is payable in addition to any amount already accrued as medical expenses or hospital benefit.
	flying as fare-paying passengers on board schedule licensed passenger carrying aircraft is included.

Extra Features

	Loss of use of limbs without actual physical severance is treated as loss of limbs.
	Cover is extended to drowning, suffocation by smoke or poisonous fumes, murder or unprovoked assault.
	The qualifying words of "violent external and visible" are not required in the definition of accident.
	Motorcycling is covered at no additional cost.
	The risks of riot, strikes and civil commotion are included.
	Hijacking not arising from war-like action is covered.
	No limit to the number of children covered.
	Automatic coverage for additional members of your family.

	Benefits (RM)		Annual Premium (RM)
			Self & Spouse			Whole Family
Plan	Self & Spouse Age: 16-65	Each Child Age: 2wks-23	Class1	Class2	Class3	Class1	Class2	Class3
I	A 100,000 B 100,000 C 1,000 D 200 p.w.	10,000 10,000 100 NIL	270	310	*	341	378	*
II	A 50,000 B 50,000 C 500 D 100 p.w.	5,000 5,000 50 NIL	140	160	196	174	194	231
III	A 25,000 B 25,000 C 250 D 50 p.w.	2,500 2,500 25 NIL	72	82	101	89	100	119

Your spouse is covered for 50% of all your Benefits and each child for 10% of your Benefits except Benefit D.

Premium will be based on the higher risk occupation of the two spouses.
Class 3 occupations are not acceptable for Plan I.

Benefits

	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.

	BENEFIT C - 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 D - 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.

General Exclusions

The policy does not cover war risks, pre-existing physical or mental defect, suicide, self-injury, pregnancy or child-birth, participation in a criminal act, effects or influence of alcohol or drugs not prescribed by a qualified registered medical practitioner, wood-working machinery, boxing, winter sport, ice hockey, rugby, water ski-jumping, pot-holing, caving, steeplechasing point to point, show jumping, wrestling, armed or unarmed combat, polo, under-water activities requiring breathing apparatus, mountaineering requiring ropes or guides, parachuting, hang-gliding, hunting, boating or yachting beyond Malaysia territorial limits, racing other than on foot.

ULTIMA PA INSURANCE

Introduction
Ultima PA is an accident insurance plan. It allows you or your beneficiaries to receive in one lump sum of money in the event of your accident death or if you're unable to work as the result of an accident.

Ultima PA can help to provide true peace of mind for everyone, especially as there are three plans to choose from, depending on your needs.

Special Features

	Death and Permanent Disablement Benefit is payable over and above all other benefits
	Definition of accident does NOT include the words "*violent external and visible*"
	Flying as fare-paying passenger on board licensed passenger carrying aircraft
	Loss of use of limbs is treated as loss of limbs
	Reimbursement for Traditional Treatment of RM25/- per visit subject to maximum RM250/-