Personal Accident Insurance

My Optimal Plan

Care and protection for your loved ones

Overview

None of us can say with certainty what will happen tomorrow. The worst can happen even in the best of time. In light of this, how do you ensure that you will get all the protection that you need? A good place to start is RHB Bank Berhad, where we understand all your need and where you can get the best and most comprehensive coverage you deserve.

Enjoy Maximum Coverage with My Optimal Protection Plan
RHB Bank Bhd is pleased to introduce “ My Optimal Protection Plan”, the complete insurance plan that provides all the protection that you need. This plan offers you:

• High coverage of up to RM2,000,000 sum insured, thus ensuring that you feel confident and well protected
• Extra medical coverage against dengue fever, which is not normally covered by other personal accident insurance plans
• Asia Assistance that provides 24-hour International and Domestic Medical Assistance Services and Car Assistance Services up to RM300 per incident due to car accident or break down up to 3 events per year
• Personal liability worldwide (except the United States and Canada), to ensure that you are covered while traveling anywhere in the world

There are more reasons for you to enroll now!

• No medical examination required
• 24 hours protection and worldwide coverage
• Benefits payable on top of your other insurance policies
  (except medical expenses which is on reimbursement basis)

Table of Benefits

Description of Benefits	Plan 1	Plan 2	Plan 3
Section 1
Death ( due to accident)	RM1,000,000	RM1,500,000	RM2,000,000
Permanent Disablement (due to accident) and subject to table of disablement up to the limit stated in the plan	RM1,000,000	RM1,500,000	RM2,000,000
Medical Expenses up to (including the cost of Sinseh treatment of up to RM100 per visit and subject to maximum amount of RM1,000)	RM10,000	RM15,000	RM20,000
Hospital Cash Income, limited to 30 days per annum only	RM300 (per day)	RM400 (per day)	RM500 (per day)
Section 2
Personal Liability cover, up to	RM1,000,000	RM1,500,000	RM2,000,000
Asia Assistance Network (AAN)	24 hours International & Domestic Medical Assistance Services and Car Assistance Services
Monthly Premium(before RM10 stamp duty)	RM79.00	RM115.00	RM152.00

Summary of Benefits

Section 1

Death (due to accident)

Lump sum payment to the legal representative of the Insured in the event of accidental death.

Permanent Disablement

Pay the Insured up to the limit as per plan selected, according to the Table of Permanent Disablement.

Medical Expenses

Pay the Insured up to the limit as per plan selected, according to the Table of Permanent Disablement. Reimbursement the Insured for medical expenses incurred as a result of accident or illness due to dengue fever. These include ambulance fee up to the maximum of RM1,000 per accident/ disability, room and board, prescribed medicine, medical report, x ray, physiotherapy, clinical treatment, medical and surgical treatment including anesthetist fee, dressing, medically necessary nursing in the hospital, splint, plaster casts, and the cost of follow up treatment. It also reimburses the cost of Sinseh Treatment of up to RM100 per visit and subject to the maximum amount of RM1,000)

Hospital Cash Income

A daily hospital cash income as per plan selected is payable for the period the Insured is confined in a hospital for the treatment of bodily injury sustained as a result of an accident or for the treatment of illness due to Dengue Fever. The maximum period payable is 30 days per annum Benefit is payable after hospital confinement of more than twelve (12) consecutive hours

Section 2
Personal Liability Cover It will indemnify you in respect of the 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 worldwide excluding USA and Canada.

Wider Coverage With No Additional Premium

• Hijacking
• Unprovoked murders or assaults
• Riot Strike Civil Commotion
• Disappearance
• Accidental Gas Inhalation, Drowning, Food or Drink Poisoning and Intoxication
• Accidental Gas Suffocation through Smoke and Fumes
• Insect, Snake And/ or Animal Bites (exclude diseases)
• Hunting and Mountaineering (not involving the use of rope)
• Motorcycling
• Comatose

Age eligibility
This plan shall cover eligible persons between the ages of 18 and 60 years (both ages inclusive), and is renewable up to 65 years, on the exact date of birth.

Need More Information?
If you need more information, you can call us at our Hotline number 1300-22-0007 or visit any RHB Insurance branches nearest to you (Monday to Friday during office working hours).

Disclaimer
This product underwritten by RHB Insurance Berhad. Terms and Conditions apply.