Personal Accident Insurance

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Storm Personal Accident

What lies ahead is uncertain but you can still have peace of mind

Overview

In these difficult times, it always makes sense to have yourself protected with the Storm Personal Accident Insurance. The Storm Personal Accident Insurance is a product with which you can maximise your protection by increasing your sum insured up to 50% without any extra charges. At the same time it also minimises your cost as you can enjoy a discount on the annual premium up to a maximum of 50%.

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.

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%

Special Benefits

Description of Benefits	Plan A	Plan B
Accidental Death Lump Sum Payment to the legal representative of the Insured Person	RM100,000	RM100,000
Permanent Disablement Pays Insured Person up to the limit per plan selected, according to the Table of Benefit	RM100,000	RM200,000
Double Indemnity The benefits payable shall be doubled in the event the Insured Person suffers Accidental Death or Permanent Disablement resulting from injuries sustained whilst traveling as a fare-paying passenger in a public conveyance	RM200,000	RM400,000
Medical Expenses Reimburses the Insured Person for medical expenses incurred as a result of an accident	RM10,000	RM10,000
Bereavement Expenses Lump sum payment to the legal representative of the Insured Person in the event of death of the Insured Person: - during surgery - during hospitalization - within 30 days from the date of discharge - due to accidental causes	RM5,000	RM10,000
Ambulance Fee Reimbursement of the Reasonable Customary Charges incurred for necessary domestic ambulance services inclusive of attendant to and/or from the Hospital of confinement. Payment will not be made if the Insured Person is not hospitalized and subject to the limits set forth in the Schedule of Benefit	Up to RM 300	Up to RM 300
No Claims Renewal Bonus Upon policy renewal, Principal Sum Insured of Accidental Death and Permanent Disablement will be increased by 10% each year, up to a maximum of 50% provided no claim is made under the policy
No Claims Discount (NCD) No claims discount of 10% on the renewal premium, up to a maximum of 50% provided no claim is made under the policy

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