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Insurans Perlindungan Individu dan Keluarga

Perfect 10 Plus Personal Accident Insurance

Personal Accident

About This Product

You’d do anything to protect your perfect family. But no one person can provide perfect protection against the unexpected. Perfect 10 Plus can help. It provides personal accident insurance coverage for you, your spouse and your children; 24 hours a day, anywhere in the world. Now your family can enjoy the protection that’s a Perfect 10.

Accidental Death and Permanent Disablement Benefits
Renewal bonus of 25% per year if no claims are made.
Lump sum payment of up to rm300,000 if claimed.

Hospital Income
Up to 52 weeks (up to RM700 a week); doubled if warded overseas.

Double Hospital Income
Up to 26 weeks (up to RM1,400 a week) if in Intensive Care Unit.

Financial Shield
RM30,000 to cover outstanding credit card, car loan and/or housing loan due to Total Permanent Disablement

Natural Disasters
Additional 10% Accidental Death Benefit

Kidnap Cover
Up to RM25,000

Medical Cover
For Dengue, Malaria and Chikungunya.

Medical Expenses
Up to RM7,000

Personal Liability Coverage
Up to RM100,000

Bereavement Allowance
Up to RM6,000

Accidental Death or Total Permanent Disablement
Due to robbery and/or snatch theft, up to RM60,000 coverage

Overseas Medical Evacuation & Repatriation Expenses
Up to RM200,000

Ambulance Fees
Up to RM800

Unique Family Plan
With individual Sums Insured.

*Click on brands button below for instant subscription – payment is via online (Credit card, MEPS & FPX)

This policy covers you against death or disablement caused by accidental violent, external and visible means. This policy also covers Personal Liability, Financial Shield, Kidnap Cover, Overseas Medical Evacuation and Repatriation. Terrorism excluding nuclear, chemical or biological weapons of mass destruction is covered.

Eligibility – Malaysian, Permanent Resident of Malaysia, Work Permit Holders in Malaysia and their spouse/children who are residing in Malaysia. The age of Insured Person must be 30 days to 18 years or up to 23 years old if still studying full-time in institution of higher learning and up to 65 years old. Policy is renewable up to 70 years old.

Family package will cover you, 1 legal spouse and unlimited number of your and the named legal spouse’ s children age 30 days to 18 years or up to 23 years old if still studying full-time in institution of higher learning. Your spouse’s coverage is equal to yours and each child is covered up to 20% of your benefits.

What are some of the key terms and conditions that I should be aware of?

(i) STATEMENT PURSUANT TO FINANCIAL SERVICES ACT 2013, Section 129, Schedule 9, Para 5: It is the duty of the customer to take reasonable care not to make a misrepresentation to the licensed insurer when answering any question which the insurer may request that are relevant to the decision of the insurer whether to accept the risk or not and the rates and terms to be applied.

(ii) Compliance with policy conditions – failure to comply with any of the policy conditions shall invalidate all claims.

(iii) The Company shall have the right to examine Insured Person during claim and in the event of death, to make an autopsy where it is not forbidden by law. (iv) Upon any accident that is likely to give rise to a cl

What are the major exclusions under this policy?
This policy does not cover certain losses, such as:

  • Childbirth or miscarriage
  • Provoked murder and assault
  • Suicide or intentional self-inflicted injuries or any attempt thereat while being sane or insane
  • Flying or travelling in an aircraft unless as a fare-paying passenger in a licensed commercial aircraft on a scheduled route
  • Pre-existing conditions and disease and sickness of any kind
  • Committing or attempt to commit any unlawful act
  • Influence of alcohol or of drugs not prescribed by a registered medical practitioner
  • Professional sports, water-skiing, martial arts, racing of any kind other than on foot, mountaineering necessitating on ropes or guides or use of woodworking machinery driven by mechanical power
  • Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC).

Note: This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.