In the event of an accidental death or permanent disability, we would settle your outstanding financial obligation on your housing loan and / or motor loan up to six months repayment sum and/or the outstanding balance on your Credit Card(s) at the time of the accident. The amount payable depends on the plan selected.

In the event of an accident resulting in hospitalisation, our partner Integrated Health Plans (Malaysia) Sdn. Bhd. (“IHP”), can be contacted via 1800 82 6119 (24 hrs). They will facilitate admission into or discharge from the participating hospital by providing a guarantee to the hospital concerned up to RM2,500 but subject to a maximum limit of Medical Expenses benefit of the policy.

Download the mobile app: IHP Health Concierge at either Play Storeor App Store

10% of the Capital Sum Insured will be payable in the event of death due to Dengue, Malaria, Japanese Encephalitis (JE), Severe Acute Respiratory Syndrome (SARS) or Chikungunya.

A lump sum of RM5,000 for necessary expenses incurred by the Insured’s family and a reward offer of RM25,000 for information leading to the recovery of the Insured Person based on our verification and confirmation. In addition, the Capital Sum Insured will be paid in full if the kidnapped Insured Person is not recovered after a period of one (1) year from the day of the kidnap.

10% of the Capital Sum Insured will be payable for impotency or infertility due to an accident.

A lump sum of RM5,000 will be payable in accordance with the respective injury in the event the Insured Person suffers third degree burns as a result of an accident.

In the event of accidental death, Funeral Expenses of RM6,000 will be payable to the nominee upon notification of death.

No Claims Bonus
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The Capital Sum Insured for Accidental Death and Permanent Disablement will be increased by 10% on each renewal up to a maximum of 100% if no claim has been lodged under Permanent Disablement Benefit or Double Indemnity Benefit.

Note: Not applicable for group policies.

The  compensation shall be doubled in the event of an accident resulting in death  or permanent total paralysis while travelling as a fare–paying passenger on  any mode of public transport or while travelling overseas.

Additional 25% of original capital sum insured will be payable in the event of an accident occurs at home resulting in death or permanent disability where the percentage compensation payable is 50% or more.

Lump sum payment in the event of death or permanent disablement due to an accident.

A daily benefit up to a maximum of 180 days is payable for the period the Insured Person is confined in a hospital for more than 12 hours for treatment of bodily injury resulting from an accident.

In the event of permanent disablement due to an accident, the Company shall reimburse you the actual costs incurred, up to RM1,000 per accident, for the purchase of a wheelchair, artificial arm or leg and crutches as recommended by the attending specialist / physician / surgeon.

Reimbursement of the actual fees incurred for necessary ambulance services rendered in Malaysia to and / or from the Hospital up to a maximum of RM2,000 per accident if such Ambulance Fees are incurred as a result of an accident.

Reimbursement of the actual expenses incurred up to a maximum of RM10,000 in transporting the mortal remains back to home country if the death is due to an accident while travelling outside the home country.

Reimbursement up to a maximum of RM5,000 per accident in respect of expenses incurred for Dental Correction or Corrective Cosmetic Surgery performed on the Insured Person’s neck or head following injuries as a result of an accident.

The capital sum insured will be payable upon certification by a medical practitioner that the Insured has been in a coma state for 1 year due to an accident.

In the event the Insured Person is a victim out of snatch theft, a sum of RM350.00 will be compensated provided that a police report is made within 24 hours of occurrence.

Reimbursement  up to RM1,000 per person per accident for medical expenses in the event the  Insured Person suffers a miscarriage as a result of a motor vehicle accident,  whether as a pedestrian, passenger, pillion or driver/rider. 

Covers your legal liability against third-party bodily injury and property damage.