Death / Permanent Disablement (due to accident)

100,000

100,000

Double Indemnity

200,000

200,000

Medical Expenses/ Traditional Treatment

4,000

4,000

Ambulance Fees

500

500

Hospital Daily Income up to 365 days

100

100

Additional Hospital Allowance

1,000

1,000

Hospital Daily Income Whilst Overseas Up to 182 Days

200

200

Travel Allowance

1,000

1,000

Bereavement/ Repatriation Allowance

5,000

5,000

Personal Liability

100,000

100,000

Renewal Bonus, 5% each year up to maximum of 25%

Car Assistance Services
(Towing and Roadside Repair)
Limited 3 events per year, per insured basis

300 per event

300 per event

Monthly Premium (excluding RM10 stamp duty)

RM15

RM22

• We will pay double the capital sum in the event of accidental death and permanent disablement whilst travelling in public transport as a fare paying passenger.

• We will reimburse medical expenses up to sum insured including hospital room and board, clinical, medical and surgical treatments. Traditional treatments up to RM300 (limited to RM30 per visit).

• The actual ambulance charges for transporting the insured by road (consequent to bodily injury arising as a result of an accident) to a hospital when neccesary, subject to a maximum limit of RM500 per accident.

• A daily hospital income of RM100 is payable for a period the insured are confined in a hospital for treatment of bodily injury resulting from an accident. The maximum period payable for this benefit is 365 days and the benefit is payable for each complete 24 hour period of hospitalization.

• In the event of hospitalization exceeding 7 consecutive days, an additional RM1,000 is payable to the insured.

• The daily hospital income benefit will double consequent to bodily injury arising as a result of accident whilst overseas including travelling to and from overseas countries. The maximum period payable for this benefit is 182 days.

• We will pay RM200 per week to the insured's immediate family member's hospital travel expenses. The maximum amount payable is up to RM1,000.

• In addition to all other payments, we will pay RM5,000 as bereavement/repatriation allowance in the event of accidental death.

• This benefit will provide legal liability to the insured for claims made by third party up to a maximum of RM100,000.

• The Principal Sum Insured shall be increased by 5% per year up to maximum of 25% when no claim is made under the policy otherwise any  accumulated renewal bonus shall be forfeited and computations for future renewal bonuses will begin anew from the next renewal date of the policy

• AAN shall organize and pay for the towing and/or labour cost for Minor Roadside Repair up to a maximum limit of RM 300.00 per event. per Member (up to a maximum number of three (3) events per year only). In the event that the Minor Roadside Repair services cannot be provided, the total limit of towing services to be paid by AAN shall be limited to RM 300.00 (round trip by the tow truck). Should the total towing charges exceed RM 300.00, the Insured Person shall be responsible to pay for the additional towing charges and such payments should be collected by the tow truck operator directly from the Insured.

• In the event that there is a Breakdown of the vehicle due to mechanical failure or Accident, the Insured Person can call AAN’s 24-Hour call centre for assistance. AAN shall arrange for a mechanic to be sent to provide roadside repair services.  In a case where it is not possible to repair the vehicle on the spot, a tow truck will be dispatched to tow the vehicle to the nearest Workshop.