PERSONAL ACCIDENT INSURANCE BENEFITS
  This is not a contract of insurance. The description below  is only a brief summary for quick and easy reference. 
   Please read 
TERMS OF USE
 
  Death Pays the Principal Sum Insured in the event of accidental death
  Permanent Disablement Pays the Principal Sum Insured
  Double Indemnity Pays double the Principal Sum Insured if you suffer permanent loss
of use of two limbs, total paralysis or death whilst travelling in a public
transport or whilst you are traveling overseas
  Medical Expenses, Sinseh / Traditional Treatment, Medical / 
  Specialist  and / or Postmortem Reports
 
a) Sinseh/traditional treatment - RM35 per visit & up to
      RM 350 per accident
  b) Medical/specialist report & postmortem report fees
  c) Hospital room and board
Reimbursement for the actual, necessary and reasonable medical,
clinical and Sinseh or Traditional treatment incurred for injuries
resulting from an accident or illness due to dengue, malaria or Japanese
Encephalitis (JE). The cost of any medical / specialist report or
postmortem report is also payable provided it is specifically required by
the Company
  Blood Transfusion Pays 10% of the Principal Sum Insured if you contract HIV as a result
of a blood transfusion whilst undergoing medical treatment for injury
or illness in a government or licensed private hospital within Malaysia.
Compensation shall only be payable if the Insured is positively diagnosed with HIV within two (2) years from the date of the blood transfusion
  Corrective dental And/Or Cosmetic Surgery
 
- up to RM5,000 per accident
On top of paying medical expenses, this insurance also pays you up to RM5,000 for any additional expenses incurred for corrective dental and/or corrective surgical operations to the neck, head or chest (navel up)
  Weekly Benefits (optional coverage) Pays up to fifty two (52) weeks if you are totally unable to attend to your work as certified by a qualified medical practitioner. This is in additional to all other payments
  Hospital Cash Income A daily benefit is payable for the period of hospitalisation as a result of an accident, up to maximum of one hundred and eighty (180) days
  Kidnap Benefit
  - RM5,000 for expenses and RM25,000 to be offered as reward
Pays a lump sum of RM5,000 or necessary expenses incurred including the hiring of a private investigator. The insurer will also offer a reward of RM25,000 for the information leading to the recovery of the Insured. The Principal Sum Insured will be paid in full if the kidnapped Insured is not recovered after a period of one year from the day of the kidnap
  Ambulance Fees
  - up to RM500 per accident
Pays ambulance fees incurred consequent upon an accident up to RM500 per accident
  Funeral expenses
  - RM5,000
In additional to all other payments, this insurance will pay RM5,000 as funeral expenses in the event of accidental death
  Bereavement Allowance
  -
up to 10% of Principal Sum Insured
In the event of death due to dengue fever, malaria or JE the insurer will pay 10% of the Principal Sum Insured as a bereavement allowance upon submission of the required documents
  Personal Liability Benefit Subject to the limit of liability, the Insurer will  indemnify  you in respect of all sums you shall become legally liable to pay third parties in respect of accidental bodily injury or accidental damage to property. The territorial limit of this benefit is within Malaysia only
  Renewal Bonus Upon renewal of Insurance, the Principal Sum Insured shall be increased by 10% per year up to 50% of the Principal Sum Insured regardless of any claims made under medical expenses, blood transfusion, dental or corrective cosmetic surgery, weekly benefits, hospital cash income, kidnap benefit, ambulance fees and personal liability
  Prostheses/Wheelchair
  - up to RM1,000 per accident
The Insurer shall reimburse you up to the limits stipulated in the Schedule the actual costs of purchasing of a wheelchair, artificial arm or leg and crutches as recommended by the attending specialist physician/surgeon
 Repatriation Expenses
  - up to RM3,000
In the event of accidental death of the Insured whilst he/she is traveling outside his/her home country, the Company shall reimburse the Insured's legal representative up to a maximum of RM3,000 for the repatriation expenses of the Insured's mortal remains back to his/her home country
  Cashless Hospital Admission And Discharge Benefit Cashless admission guarantee of up to RM2,500 for all participating Hospitals in Malaysia and within the Asia Pacific countries* consequent upon an accident caused by violent, accidental, external and visible means. Food and drinks poisoning, dengue, malaria, or JE are excluded from the cashless admission. The insurer will also facilitate the Insured's discharge from the same hospitals provided all items in the hospital bills are in fact covered under the medical expenses benefit. This cashless benefit will only be activated after seven working days from the submission and acceptance of the Insured's proposal.
* Asia Pacific countries:- Australia, Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Macau, Myanmar, Nepal, New Zealand, North Korea, Pakistan, Papua New Guinea, Philippines, Singapore, South Korea, Sri Lanka, Taiwan and Vietnam
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