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 TOTAL PROTECTOR POLICY
BENEFITS
Covers Accidental Death and Permanent Disablement occurs within 24 months of bodily injury.
SPECIAL FEATURES
Twice the capital sum insured for accidents resulting in total paralysis or complete and incurable insanity, compensation up to RM500,000/- (inclusive of renewal bonus)
Cover is world-wide, 24 hours a day
Policy covers accidental drowning, suffocation, hijacking, murder, assault, strike, riot, civil commotion, motorcycling, exposure and disappearance
- Funeral, Burial or cremation allowance of RM5,000/-
- Rest and recuperation allowance (up to maximum of RM500/- lump sum)
- Travel allowance (RM50/- per week up to maximum of RM500/- per accident)
- Automatic increase in medical expenses (RM1,000 above the limit covered if insured person is confined in hospital for treatment)
- Intoxication (except drunk driver as provided under the law)
- Renewal Bonus (transferable from other company on production of renewal notice)
- Weekly benefits, hospitalisation (weekly indemnity and medical expenses will not be deducted from capital sum insured in the event of death)
- Death due to accidental food poisoning
- Harmful insects and snake bites, which result in immediate death or injury
- Temporary total disablement and temporary partial disablement benefit
Exclusions
This policy contains exclusions relating to war or acts of war, suicide, AIDS, pregnancy or childbirth, flying as a crew member, committing unlawful acts, professional sport, driving or riding in any kind of race. This policy does not cover Private Plane Flying, any disease or sickness, and Scuba Diving.
RENEWAL BONUS
The accidental and permanent Disablement benefits will be increased by 5% of the Original Sum Insured each year upon renewal of the Policy up to maximum of 25% of the original Sum Insured at no additional cost to you, provided no claim has been incurred under any section of the Policy.
Occupations Not Written:
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 gladly assist you.
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Drivers and Passengers