Personal Guardian
Protecting You During Times of Uncertainty…
Overview
Personal Guardian helps to take care of you/your family in the event of death or injuries caused by accident. The insurance also covers damage to your car windscreen and loss of cash/personal valuables due to SNATCH THEFT incidences.
Furthermore it provides you with 24-hours Car Assistance Services which includes towing or minor roadside repairs of up to RM300 per incident/event due to a car accident or breakdown and the coverage is valid for up to 3 events per year.
Table of Benefits
Description of Benefits |
Plan 1
(RM) |
Plan 2
(RM) |
Accidental Death or Permanent Disablement |
200,000 |
400,000 |
Double Indemnity |
400,000 |
800,000 |
Medical Expenses (per disability) |
Up to
4,000 |
Up to
8,000 |
Inconvenience Benefit due to SNATCH THEFT (limited to 1 event per year) |
RM1,500 |
RM2,000 |
Hospital Cash Income Benefit (maximum 30 days per disability) |
80
per day |
100
per day |
Bereavement Benefit |
6,000 |
10,000 |
Damage to Windscreen (limited to 1 event per year) |
300
per event |
300
per event |
Car Assistance Services (towing and/or roadside repairs) (limited to 3 events per year) |
Up to 300
per event |
Up to 300
per event |
Premium
Plan |
Plan 1
(RM) |
Plan 2
(RM) |
Annual Premium |
298 |
548 |
Summary of benefits:
- Accidental Death
The company will pay a lump sum payment to the legal representative of the insured in the event of any death of the Insured.
- Permanent Disablement
The company will pay the Insured up to the limit per plan selected according to the Table of Benefits.
- Double Indemnity
The company will pay any double the benefits under this policy if the Insured suffers death or any permanent disablement due to SNATCH THEFT or any accident while travelling as a fare-paying passenger on any mode of public transportation licensed to carry passengers.
- Medical Expenses
The company will reimburse the insured any medical expenses incurred to the insured due to the accident.
- Inconvenience Benefits
A lump sum payment will be paid to the Insured if the Insured suffers a loss of cash or personal valuables caused by SNATCH THEFT committed outside the place of his/her residence. This benefit is limited to only one claim per year.
- Hospital Cash Income Benefits
The company will pay a daily cash income to the Insured if admitted to a hospital due to any accident, dengue fever or avian flu.
- Bereavement benefits
The company will pay the lump sum amount as specified in the policy schedule to the Insured's legal representative as a bereavement benefit in the event of death of the Insured:
- During surgery
- During hospitalization
- Within thirty one (31) days from the date of discharge from a hospital
- Due to accidental cause
(The waiting period of the first thirty 30days is applicable for item (i) to (iii) except due to accidental causes.)
- Damage to Windscreen benefits
The company will pay the Insured in the event of any damage to the car windscreen caused by SNATCH THEFT committed outside the place of his/her residence. The Insured must be the owner of the car and he/she must be inside the car during the SNATCH THEFT incident. This benefit is payable on top of the Insured's existing motor windscreen policy and is limited to one claim per year.
- Car Assistance Services
The company will pay the lump sum amount as specified in the policy schedule to the Insured's legal representative as a bereavement benefit in the event of death of the Insured:
- 24 Hours Emergency Towing
In the event of a vehicle breakdown due to mechanical failure or accident, RHB Assist shall arrange a tow truck to tow the vehicle to the Insured's preferred workshop up to a maximum limit of RM300 per event.
- 24 Hours Minor Roadside Repair
In the event of a vehicle breakdown due to mechanical failure, RHB Assist shall arrange for a mechanic to provide minor roadside repairs up to a maximum limit of RM300 for labour costs.
- Towing service and minor roadside repairs are limited to three events per year.
Eligibility
The minimum aged entry: 18 years old The maximum aged entry: 65 years old (renewable up to 70 years old)
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
A copy of Product Disclosure Sheet on this product can be obtained from any RHB Bank branches.
This product underwritten by RHB Insurance Berhad. Terms and Conditions apply.
Table of Permanent Disablement Benefits
| Injury |
% of principal sum payable |
| Loss of two limbs |
100% |
| Loss of both hands, or of all fingers and both thumbs |
100% |
| Total loss of sight in both eyes |
100% |
| Total paralysis |
100% |
| Injuries resulting in being permanently bedridden |
100% |
| Any other injury causing permanent total disablement |
100% |
| Loss of arm at shoulder |
100% |
| Loss of arm at elbow |
100% |
| Loss of hand at wrist |
100% |
| Loss of four fingers and thumb of one hand |
50% |
| Loss of four fingers of one hand |
40% |
Loss of thumbs
- both phalanges
- one phalanx |
25%
10% |
Loss of index finger
- three phalanges
- two phalanges
- one phalanx |
10%
8%
4% |
Loss of middle finger
- three phalanges
- two phalanges
- one phalanx |
6%
4%
2% |
Loss of ring finger
- three phalanges
- two phalanges
- one phalanx |
5%
4%
2% |
Loss of little finger
- three phalanges
- two phalanges
- one phalanx |
4%
3%
2%
|
Loss of metacarpals
- first or second (additional)
- third, fourth or fifth (additional) |
3%
2% |
Loss of leg
- at hip
- below knee |
50%
50% |
Loss of toes
- all
- great, both phalanges
- great, one phalax
- other than great, if more than one toe lost each |
15%
5%
2%
1% |
Loss of sight
- whole eye
- of one eye, except perception of light
- lens of one eye |
50%
50%
50% |
Loss of hearing
- both ears
- one ear |
75%
15% |
| Loss of speech |
50% |
