Individual P.A. Insurance

Family P.A. Insurance

Ultima P.A. Insurance

Easy Rider P.A. Insurance

Traveller's P.A. Insurance

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.

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)

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.

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

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.

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

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.

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/-

Reimbursement for Medical Aids

Reimbursement for Medical Report or Postmortem Report

Service Tax on Medical Expenses incurred is payable

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 and animal bites which cause immediate death or injury

Intoxication (except drunken driver as governed under the law)

Most games and sports (as an amateur only)

Motor-cycling

Murder and assault

Riot strikes and civil commotion

SUM INSURED (RM)

ANNUAL
PREMIUM (RM)
(exclusive of RM10/- stamp duty and service tax)

CLASS

Benefit 1/2

Benefit 3

Benefit 4

PLAN

Death or Permanent Disablement

Medical
Expenses

Hospital Income
(Per week)

1 & 2

50,000

3,000

150

A1

85

100,000

4,000

250

A2

145

200,000

6,000

350

A3

260

300,000

7,000

500

A4

375

500,000

8,000

700

A5

580

750,000

9,000

850

A6

835

1,000,000

10,000

1,000

A7

1,090

3

50,000

3,000

100

B1

135

100,000

4,000

150

B2

230

150,000

5,000

200

B3

325

200,000

6,000

250

B4

420

5 FREE ADDITIONAL BENEFITS

Benefit 5:

Hospital Visitation Allowance of RM20/- per day shall be payable for the period of hospitalisation not exceeding 50 days.

Benefit 6:

Ambulance Fees up to RM500/- per accident

Benefit 7:

Home Nursing Care Charges up to RM500/- per week subject to maximum 4 weeks.

Benefit 8:

Burial or Cremation Allowance of RM2,000/-.

Benefit 9:

Repatriation Expenses up to RM5,000/- in the event of death.

BENEFIT 1- DEATH
In the event of Accidental Death occurring within 12 calendar months from the date of injury, the sum insured is payable.

BENEFIT 2 - PERMANENT DISABLEMENT (PD)
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 3 - 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 4 - 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.

BENEFIT 5 - HOSPITAL VISITATION ALLOWANCE
In the event the Life Insured is hospitalised, an allowance is payable for the period of hospitalisation

Benefit 6 - AMBULANCE FEE
In the event the Life Insured requires ambulance services for transporting him to and/or from the Hospital as a result of accident bodily injury, the Company will reimburse the fees incurred.

Benefit 7 - HOME NURSING CARE CHANGES
In the event the Life Insured requires nursing care services for injuries resulting from accident, the Company will reimburse the charges incurred.

Benefit 8 - BURIAL / CREMATION ALLOWANCE
Burial/Cremation Allowance shall be payable in the event of Benefit 1 is payable.

Benefit 9 - REPATRIATION EXPENSES
The actual necessary and reasonable expenses incurred for the transportation of the Life Insured's mortal remains from the place where such death occurs to the first point of entry into country of residence is payable.

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

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

FREE COVERS to Insured and family members whilst:
- as a pedestrian in an accident involving any vehicle.
- driving or travelling as a passenger in any vehicle licensed for private use other than motorcycles/scooters.
- travelling as a fare-paying passenger on any mode of conveyance.

DOUBLE INDEMNITY on Permanent Disablement Benefit.

Children from the age of 3 and Adults up to age of 70 are covered.

Children are entitled to the SAME BENEFITS as adults.

Payment will be made irrespective of negligence of the driver.

Pay SAME PREMIUM irrespective of the seating capacity on all type of private vehicles.

NO Average Condition applies.

Reimbursement for Traditional Treatment.

Reimbursement for Medical Aids.

Reimbursement for Medical Report or Postmortem Report.

Service Tax on Medical Expenses incurred is payable.

Benefits

Plan 1(RM)

Plan 2(RM)

1. Death (Per Person)

25,000

50,000

2. Permanent Disablement (Per Person)

25,000

50,000

3. Medical Expenses (Per Person)

1,000

2,000

4. Daily Hospital Income (Per Person) (Maximum 60 days)

30

60

5. Ambulance Fees (Per Accident)

150

300

6. Burial/Cremation Expenses (Per Person)

1,000

2,000

Annual Premium (Including stamp duty)

88

166

BENEFIT 1/2 - DEATH / PERMANENT DISABLEMENT
Pays the capital sum insured in the event of accidental death or permanent disablement to Insured Person(s) up to the amounts stated in the Benefit 2 Coverage Table following an accident in the Specified Vehicle.

This benefit is also extended to cover the Insured, Insured's legal spouse and any of their children between 3 to 18 years of age whilst
i) as a pedestrian in an accident involving any vehicle including motor-cycles/scooters and pedal cycles.
ii) driving or travelling as a passenger in any vehicle licensed for private use other than motor-cycles/scooters
iii) travelling as a fare-paying passenger on any taxi bus railway train ferry boat ship or aircraft

Double Indemnity Benefit
The company will pay double the percentage of the Sum Insured of Benefit 2 above in the event the Insured Person(s) suffer loss of both hands or both feet or sight of both eyes or permanent quadriplegia or permanent total paralysis from the neck downwards.

BENEFIT 3 -MEDICAL EXPENSES
Reimburse medical expenses incurred in regard to hospital room and board, clinical, medical and surgical treatment, traditional medical treatment (RM25- per visit subject to maximum RM250/- per accident), medical aids and medical report following an event covered by the policy.

BENEFIT 4 - DAILY HOSPITAL INCOME
A daily benefit is payable up to maximum of 60 days for the period of hospitalisation as a result of event covered by the policy.

BENEFIT 5 - AMBULANCE FEE
Reimburse ambulance fees incurred following an event covered by the policy.

BENEFIT 6 - BURIAL OR CREMATION EXPENSES
A cash sum shall be payable in the event of death as a result of an event covered by the policy.

Section

Benefit

Amount of Coverage

I

Personal Accident

Flexible *

II

Medical Expenses

Flexible
Up to 2.5% of Section I
(In multiple of RM500 up to maximum of RM5,000)

III

Cancellation
And Curtailment Charges

Flexible
(In multiple of RM500 up to maximum of RM5,000)

*

The maximum sum insured for children from 2 to 15 years old is RM10,000/-.

SECTION I - PERSONAL ACCIDENT
This section provides the following benefits:

Description

The Compensation

Accidental Bodily injury resulting in:-

a)

Death

100% of the
Capital Sum Insured

b)

Total and irrecoverable loss of all sight of both eyes

c)

Total loss by physical severance of two limbs at or above the wrist or ankle

d)

Total loss by physical severance of one limb at or above the wrist or ankle

50% of the
Capital Sum Insured

e)

Total and irrecoverable loss of all sight of one eye

SECTION II - MEDICAL EXPENSES
The expenses must be as a result of accidental bodily injury suffered by the Insured and such expenses must be incurred within 180 days from the date of accident.

SECTION III - CANCELLATION and CURTAILMENT

a)

Loss of irrecoverable payments made or incurred in respect of the travel and/or accommodation costs prior to the event giving rise to cancellation or curtailment of the journey.

b)

Additional travel cost to return to the place the journey commenced due to

i)

death injury or illness of the Insured, a friend accompanying the Insured, an immediate relative, or the fiancé of the Insured.

ii)

compulsory quarantine or requirement for jury service or witness in a court of law of the Insured.