Personal Accident Insurance

SmartCare Personal
Accident Insurance

This is a comprehensive personal accident cover that provides special features such as double indemnity in the event of death or permanent disablement benefit, daily hospital income and/or daily hospital income bonus whilst overseas, medical expenses including traditional teatments, additional hospital allowance, bereavement/repatriation allowance, renewal bonus and personal liability in respect of liability arising from an accident.

Special Benefits

• Double Indemnity
  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.


• Renewal Bonus
  Upon renewal of the policy, the Principal Sum Insured shall be increased by 5% per year up to maximum of 25% subject to the terms and conditions of the policy.


• Daily Hospital Income
  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.


• Daily Hospital Income Bonus Whilst Overseas
  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.


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


• Medical Expenses / Traditional Treatment
  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).


• Personal Liability
  This benefit will provide legal liability to the insured for claims made by third party up to a maximum of RM500,000 subject to plan selected.


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


• Travel Allowance
  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.


• Ambulance Fees
  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.