Travel & Personal Accident

The Gladiator Enhanced

Travel & Personal Accident

Greater Coverage, Higher Limits and Renewal Bonus – indeed a larger than life shield for you and your family.

Accidents are unpredictable no matter how careful you are. You should enjoy every moment of your life and be assured that you have a comprehensive personal accident policy shielding you. With The Gladiator Enhanced, you are ready to face the adversity accidents throws at you.

The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)

SmartTraveller Easy Domestic
Offers you comprehensive coverage and 24-hour emergency assistance while travelling within Malaysia, including from East Malaysia to West Malaysia (and vice versa).
Jom Lokal Travel PA (Overland only)
Protects you and your family when you drive to your staycation destinations.
SmartTraveller Easy Domestic
Offers you comprehensive coverage and 24-hour emergency assistance while travelling within Malaysia, including from East Malaysia to West Malaysia (and vice versa).
Jom Lokal Travel PA (Overland only)
Protects you and your family when you drive to your staycation destinations.

GREAT COVERAGE

Financial  Obligation Benefit

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.

Cashless Hospital  Admission

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

Bereavement  Allowance for Dengue Fever, Malaria, JE, SARS or Chikungunya

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.

Kidnap Benefit

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.

Coverage for Impotency & Infertility

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

Major Burn (Third degree)

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.

Express Funeral Expenses Payment

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

Incremental in Sum Insured

No Claims Bonus

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.

Double Indemnity

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  Indemnity due to Home Accident

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.

Permanent  Disablement or Death

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

Hospital Income Benefit

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.

Reimbursement for  Prosthesis & Wheelchair

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.

Coverage for  Ambulance Fees

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.

Repatriation  Benefit

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.

Coverage for Dental  or Corrective Cosmetic Surgery

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.

Coma

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.

Snatch Theft

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.

Miscarriage due to Motor Vehicle Accident

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. 

Personal Liability

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

The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)

Manfaat-manfaat yang dibayar di bawah sijil/polisi/produk yang layak adalah dilindungi oleh PIDM sehingga had perlindungan. Sila rujuk Brosur Sistem Perlindungan Manfaat Takaful dan Insurans PIDM atau hubungi Generali Insurance Malaysia Berhad atau PIDM (layari www.pidm.gov.my).

The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Generali Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)

Optional Extensions

Flight Cancellation/ Rescheduling during Trip

Pandemic Cover for Overseas Trip

Domestic Travel Extension

Free Extensions

Free Extensions

Optional Add-ons

Flight Cancellation or Rescheduling During Trip
Flight Cancellation or Rescheduling During Trip
Pay for the non refundable prepaid expenses or deposits paid if you cancel the trip or pay for an alternative flight ticket as a result of flight cancellation or rescheduling during trip.Option to extend cover for Pandemic events. This covers for Trip Cancellation, Trip Curtailment, Medical, Hospital and Treatment Expenses, Hospital Allowances, Emergency Medical Evacuation, Emergency Medical Repatriation and Repatriation of Mortal Remains if you are diagnosed with pandemic illness

Optional Add-ons

Flight Cancellation or Rescheduling During Trip
Flight Cancellation or Rescheduling During Trip
Pandemic Cover
Pandemic Cover
Cruise Cover
Cruise Cover

Special Features

Download policy documents here

Please Upgrade Your Browser.

Unfortunately, Internet Explorer is an outdated browser and we do not
currently support it. To have the best browsing experience, please upgrade to
Microsoft Edge, Google Chrome or Safari.