PERSONAL ACCIDENT POLICY

Death

• Payment of principal sum for accidental death
• Double Indemnity benefit for accidental death whilst travelling as a fare paying passenger on public transport*

Permanent Disablement

• Payment up to principal sum
• Double benefit for total paralysis or permanent loss of 2 limbs or loss of use of 2 limbs due to an accident whilst travelling as a fare paying passenger on public transport*

Medical Expenses

• Reimbursement for accidental out-patient medical expenses or hospitalisation
• Includes sinseh, traditional, reflexology treatment, ambulance fees, medical report and post mortem report fees
• Covers prosthetic devices up to RM2,000
• Covers cosmetic/reconstructive surgery due to accident to the neck and head up to RM5,000

Weekly Benefits

• Pays up to a 104 weeks for the time you are unable to attend to your work

Bereavement Allowance

• Additional payment of RM5,000 for accidental death

Hospital Allowance

• Pays RM50 a day for each full day of hospitalization in a Malaysian Government hospital due to accident

Increasing benefits for accidental death, permanent disability and medical expenses

Upon renewal, the Sum Insured for Accident Death, Permanent Disability and Medical Expenses will be increased by 5% of the original sum insured up to a maximum of 50% provided there is no claim made during the preceding year.

* Maximum payable for any one person is twice the Principal Sum of the highest policy.

EXTENSIONS (FREE OF CHARGE)

•	Riot, Strike, and Civil Commotion	•	Intoxication by prescribed drugs and alcohol
•	Motorcycling as rider or pillion	•	Suffocation by smoke and fumes
•	Amateur sports	•	Insects and snake bites
•	Bungee Jumping	•	Exposure to natural elements and disappearance
•	Drowning	•	Kidnapping
•	Food and Drinks Poisoning

ELIGIBLE PERSONS

16 to 65 year old, renewable up to 70 years old. Children aged from 12 to 18 years old under at least one parent.

Excluded Occupations:

Divers, Military and Law Enforcement Officers, Pilots or Air-crew, Seamen, Jockeys, Oil Rig Workers, Sawyers, Timber Logging Workers, Timber Lorry Drivers or Attendants, Racing Drivers, Professional Athletes and Sportsmen, Fishermen, Persons in non-regular employment and occupations of similar hazards.

For further information about this product, please contact our nearest branch and our customer service staff will assist you.