[et_pb_section bb_built=”1″ background_image=”https:\/\/www.hoi.my\/cms\/wp-content\/uploads\/2017\/04\/bg_travel.jpg” transparent_background=”off” allow_player_pause=”off” inner_shadow=”off” parallax=”on” parallax_method=”on” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off”][et_pb_row admin_label=”row” background_position=”top_left” background_repeat=”repeat” background_size=”initial”][et_pb_column type=”4_4″][et_pb_text background_layout=”dark” text_orientation=”center” use_border_color=”off” border_color=”#ffffff” border_style=”solid” disabled=”off” disabled_on=”off||” background_position=”top_left” background_repeat=”repeat” background_size=”initial” module_alignment=”center” _builder_version=”3.0.89″ border_color_all=”#ffffff” border_style_all=”solid”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row][et_pb_column type=”1_3″][\/et_pb_column][et_pb_column type=”1_3″][et_pb_button button_url=”https:\/\/www.hoi.my\/cms\/cvsn\/c_kurniainsurancepersonalinsurancep10.php” url_new_window=”on” button_text=”Apply Now!” button_alignment=”center” background_layout=”dark” custom_button=”on” button_bg_color=”#b20000″ button_border_width=”0px” button_icon=”%%242%%” button_icon_placement=”left” custom_css_main_element=”width: 100%;||box-shadow: 2px 1px 18px #284242;||” background_color=”#b20000″ _builder_version=”3.0.89″ \/][\/et_pb_column][et_pb_column type=”1_3″][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=”1″ specialty=”on”][et_pb_column type=”2_3″ specialty_columns=”2″][et_pb_row_inner admin_label=”Row” disabled=”off” disabled_on=”off||off” parallax_method_1=”off” _builder_version=”3.0.89″][et_pb_column_inner type=”4_4″ saved_specialty_column_type=”2_3″][et_pb_text _builder_version=”3.0.89″ background_layout=”light”]<\/p>\n
Perfect 10 Plus Personal Accident Insurance<\/b><\/p>\n
Personal Accident<\/p>\n
About This Product<\/b><\/p>\n
You\u2019d do anything to protect your perfect family. But no one person can provide perfect protection against the unexpected.\u00a0Perfect 10\u00a0Plus can help. It provides\u00a0personal accident insurance coverage\u00a0for you, your spouse and your children; 24 hours a day, anywhere in the world. Now your family can enjoy the protection that\u2019s a\u00a0Perfect 10.<\/p>\n
[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner admin_label=”Row”][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”2_3″][et_pb_text _builder_version=”3.0.89″ background_layout=”light”]<\/p>\n
Accidental Death and Permanent Disablement Benefits Hospital Income<\/strong> Double Hospital Income<\/strong> Financial Shield<\/strong> Natural Disasters<\/strong> Kidnap Cover<\/strong> [\/et_pb_text][\/et_pb_column_inner][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”2_3″][et_pb_text _builder_version=”3.0.89″ background_layout=”light”]<\/p>\n Medical Cover<\/strong> Medical Expenses<\/strong> Personal Liability Coverage<\/strong> Bereavement Allowance<\/strong> Accidental Death or Total Permanent Disablement<\/strong> Overseas Medical Evacuation & Repatriation Expenses<\/strong> Ambulance Fees<\/strong> Unique Family Plan<\/strong> [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner admin_label=”Row”][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”2_3″][et_pb_text _builder_version=”3.0.89″ background_layout=”light”]<\/p>\n [\/et_pb_text][\/et_pb_column_inner][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”2_3″][et_pb_text _builder_version=”3.0.89″ background_layout=”light”]<\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=”1_3″][et_pb_text _builder_version=”3.0.76″ background_layout=”light” border_style=”solid” disabled=”off” disabled_on=”on|on|” border_style_all=”solid”]<\/p>\n *Click<\/strong> on brands button below for instant subscription<\/strong> – payment is via online (Credit card, MEPS & FPX)<\/em><\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/www.hoi.my\/cms\/cvsn\/c_kurniainsurancepersonalinsurancep10.php” url_new_window=”on” button_text=”Kurnia Perfect 10″ button_alignment=”center” background_layout=”dark” custom_button=”on” button_bg_color=”#b20000″ button_border_width=”0″ button_icon=”%%242%%” custom_css_main_element=”width: 100%;||box-shadow: 2px 1px 18px #284242;||” background_color=”#b20000″ _builder_version=”3.0.89″ button_icon_placement=”right” disabled=”off” disabled_on=”on|on|” \/][et_pb_divider color=”#b20000″ show_divider=”on” divider_style=”solid” divider_position=”center” _builder_version=”3.0.89″ \/][et_pb_tabs active_tab_background_color=”#b20000″ inactive_tab_background_color=”#cd5c5c” tab_text_color=”#ffffff” _builder_version=”3.0.89″]<\/p>\n [et_pb_tab title=”What is this product about?” tab_font=”||||” tab_line_height=”2em” tab_line_height_tablet=”2em” tab_line_height_phone=”2em” body_font=”||||” body_line_height=”2em” body_line_height_tablet=”2em” body_line_height_phone=”2em” _builder_version=”3.0.89″ use_background_color_gradient=”off” background_color_gradient_start=”#2b87da” background_color_gradient_end=”#29c4a9″ background_color_gradient_type=”linear” background_color_gradient_direction=”180deg” background_color_gradient_direction_radial=”center” background_color_gradient_start_position=”0%” background_color_gradient_end_position=”100%” background_color_gradient_overlays_image=”off” parallax=”off” parallax_method=”on” background_size=”cover” background_position=”center” background_repeat=”no-repeat” background_blend=”normal” allow_player_pause=”off”]<\/p>\n 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.<\/p>\n Eligibility \u2013 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.<\/p>\n Family package will cover you, 1 legal spouse and unlimited number of your and the named legal spouse\u2019 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\u2019s coverage is equal to yours and each child is covered up to 20% of your benefits.<\/p>\n [\/et_pb_tab][et_pb_tab title=”Importance of Disclosure” tab_font=”||||” tab_line_height=”2em” tab_line_height_tablet=”2em” tab_line_height_phone=”2em” body_font=”||||” body_line_height=”2em” body_line_height_tablet=”2em” body_line_height_phone=”2em” _builder_version=”3.0.89″ use_background_color_gradient=”off” background_color_gradient_start=”#2b87da” background_color_gradient_end=”#29c4a9″ background_color_gradient_type=”linear” background_color_gradient_direction=”180deg” background_color_gradient_direction_radial=”center” background_color_gradient_start_position=”0%” background_color_gradient_end_position=”100%” background_color_gradient_overlays_image=”off” parallax=”off” parallax_method=”on” background_size=”cover” background_position=”center” background_repeat=”no-repeat” background_blend=”normal” allow_player_pause=”off”]<\/p>\n What are some of the key terms and conditions that I should be aware of?<\/p>\n (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.<\/p>\n (ii) Compliance with policy conditions – failure to comply with any of the policy conditions shall invalidate all claims.<\/p>\n (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<\/p>\n [\/et_pb_tab][et_pb_tab title=”Major Exclusions” tab_font=”||||” tab_line_height=”2em” tab_line_height_tablet=”2em” tab_line_height_phone=”2em” body_font=”||||” body_line_height=”2em” body_line_height_tablet=”2em” body_line_height_phone=”2em” _builder_version=”3.0.89″ use_background_color_gradient=”off” background_color_gradient_start=”#2b87da” background_color_gradient_end=”#29c4a9″ background_color_gradient_type=”linear” background_color_gradient_direction=”180deg” background_color_gradient_direction_radial=”center” background_color_gradient_start_position=”0%” background_color_gradient_end_position=”100%” background_color_gradient_overlays_image=”off” parallax=”off” parallax_method=”on” background_size=”cover” background_position=”center” background_repeat=”no-repeat” background_blend=”normal” allow_player_pause=”off”]<\/p>\n What are the major exclusions under this policy? Note: This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.<\/em><\/p>\n [\/et_pb_tab]<\/p>\n [\/et_pb_tabs][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Subscribe Personal Insurance Instantly Online Insurans Perlindungan Individu dan Keluarga
\n<\/strong>Renewal bonus of 25% per year if no claims are made.
\nLump sum payment of up to rm300,000 if claimed.<\/p>\n
\nUp to 52 weeks (up to RM700 a week); doubled if warded overseas.<\/p>\n
\nUp to 26 weeks (up to RM1,400 a week) if in Intensive Care Unit.<\/p>\n
\nRM30,000 to cover outstanding credit card, car loan and\/or housing loan due to Total Permanent Disablement<\/p>\n
\nAdditional 10% Accidental Death Benefit<\/p>\n
\nUp to RM25,000<\/p>\n
\nFor Dengue, Malaria and Chikungunya.<\/p>\n
\nUp to RM7,000<\/p>\n
\nUp to RM100,000<\/p>\n
\nUp to RM6,000<\/p>\n
\nDue to robbery and\/or snatch theft, up to RM60,000 coverage<\/p>\n
\nUp to RM200,000<\/p>\n
\nUp to RM800<\/p>\n
\nWith individual Sums Insured.<\/p>\n\n
\n
\nThis policy does not cover certain losses, such as:<\/p>\n\n