Overview
This is a Yearly Renewable Personal Accident Plan that provides compensation in the event of death or injury from accidental, external and visible events. The Essential PA policy is designed for the individual age 18 to 65 years and renewable up to 70 years.
This product is limited to customer with Occupation Class I & Occupation Class II ONLY.
Table of Benefit & Premium
| Benefit |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
| 1 |
Accidental Death |
RM100,000 |
RM200,000 |
RM500,000 |
RM750,000 |
RM1,000,000 |
| 2 |
Permanent Disablement |
RM100,000 |
RM200,000 |
RM500,000 |
RM750,000 |
RM1,000,000 |
| 3 |
Medical Sugical Expences |
Up to RM3,500 |
Up to RM4,000 |
Up to RM5,000 |
Up to RM10,000 |
Up to RM15,000 |
| 4 |
Breavement Allowence |
RM5,000 |
| 5 |
Renewal Bonus |
5% per year up to maximum of 15% subject to no claim has been made |
| 6 |
No Claim Premium Refund |
10% cash back (every three (3) years) of the total accumulated three (3) years premium received by the Company |
| 7 |
Advance Payment of Accidental Death Benefits |
10% advance payment of the Principal Accident Death benefit upon Accident Death |
| Annual Premium* |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
| Occupation Class I |
RM97 |
RM197 |
RM394 |
RM632 |
RM848 |
| Occupation Class II |
RM142 |
RM288 |
RM572 |
RM836 |
RM1,042 |
*Annual Premium
not inclusive of RM10.00 stamp duty
Description of benefit
- Accidental Death
Lump sum payment to Insured Person's Legal Representative in the event of death of the Insured Person due to an accident.
- Permanent Disablement
Lump sum payment according to the Permanent Disablement scale of benefit in the event of the Insured Person suffers Permanent Disablement due to an accident.
- Medical & Surgical Expenses (Due to accident)
Reimburse the medical expenses incurred as a result of accident.
- Bereavement Allowance
The Company will pay the Insured's legal personal representative the amount stated in the Policy Schedule as a Bereavement Allowance in the event of accidental death of the Insured Person.
- Renewal Bonus
Upon renewal of the policy, the Principal Sum Insured shall be increased by 5% per year up to maximum of 15% subject to the Terms and Conditions of the Policy.
- No Claim Premium Refund
The Insured shall be entitled to a refund of 10% of the premiums received by the Company under this Policy subject to this policy being in force for a continuous period of three (3) years and no claim has been made or arises during that three (3) years period.
- Advance Payment of Accidental Death Benefit
The Insured Person's nominee(s) shall be entitled for the 10% Advance Payment of the Principal Accidental Death Benefit in the event of demise of the Insured Person due to Motor Vehicle Accident.
- The Coverage of this Policy Includes
- Worldwide, 24 hours
- Hijacking and Disappearance
- Murder or Assault
- Riot, Strike and Civil Commotion
- Accidental Gas Inhalation, Drowning , Food or Drink Poisoning and Intoxication
- Exposure to Elements
- Accidental Gas Suffocation through Smokes and Fumes
- Insect, Snake or Animal Bites
- Hunting and Mountaineering (Not involving the use of rope)
- Bungee Jumping
- Motorcycling
- Comatose
The description is only a brief summary for a quick and easy reference. For contract details, please visit, Our nearest RHB Insurance Branches for more info.
Terms and Conditions apply.
