Personal Accident Coverage

Cheapest Personal Accident RM103++/year

Allianz Shield Plus PA 60K RM101.90/year
(Subject SST6%+Stamp Duty)

Benefits and Coverage:
Personal Accident 60k(RM101.90) to 360K(RM416.90)
Accidental Death/Permanent Disablement Lump Sum Payout
Snatch Theft or Attempted Snatch Theft RM600
COMPLEMENTARY BENEFITS***
***Motorcycling Risk, Water Sports, Underwater Activities / Scuba Diving (Up To 50 Metres), Amateur Sports (except martial arts and boxing)


Personal Accident Free Car Unlimited Towing

Allianz PA Free Unlimited Towing RM99/year
(Subject SST6%+Stamp Duty)

Benefits and Coverage:
Plan 1 Personal Accident 10,000 RM114.94/year
✅Plan 2 Personal Accident 100,000 RM284.54/year
✅24 Hours Unlimited Towing
✅RM1,500 Flood Coverage
✅Personal Accident Free Car Unlimited Towing
✅Unlimited Towing For 1st Party& 3rd Party Fire& Theft
✅Unlimited Towing For Other Insurance Company Too


Personal Accident Free Car Unlimited Towing

Allianz Lifestyle Protect

Benefits and Coverage:
RM85++/year Extend and Cover Any Smart Device (Iphone, Samsung Note, Ipad, Tablet) RM1,000
✅Smart Device Protection
✅Online Purchase Protection
✅Missed Event
✅Lifestyle Modification Expenses
✅Credit Card and Loan Indemnity
✅Rehabilitation Expenses
✅Snatch Theft or Attempted Snatch Theft
✅Study Interruption (Optional)


AXA SmartPA Enhanced

AXA SmartPA Enhanced

Benefits and Coverage:
✅High Sum Insured
✅Renewal Bonus up to 120%
✅Double the Payout
✅No Claims Discount 10%
✅Renewable up to age 100


AIA Easy Cover PA

AIA Easy Cover PA

Benefits and Coverage:
✅Accidental Death and Dismemberment Benefit 100,000 – 500,000
✅Monthly Living Benefit (per month for maximum 180 months) 1,000 – 3,000
✅Medical Reimbursement Benefit 3,000 – 5,000
✅Accident Hospital Income Benefit (per day up to 730 days) 100 – 300
✅Compassionate Allowance 5,000


Personal Accident insurance or PA insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. It is different from life insurance and medical & health insurance.

COVERAGE

The type of coverage that is normally provided under PA policy include:
– accidental death
– permanent disablement
– medical expenses
– hospitalization benefits
– funeral expenses
– weekly indemnity
– repatration benefits

EXCLUSIONS

The major exclusions under this policy include the following (list is not exhaustive and may vary between insurers):-
– War, terrorism, radiation or contamination by radioactivity
– Suicide or self-inflicted injury, pre-existing physical defect or infirmity, AIDS, pregnancy
– Professional or hazardous sports, aerial activities, underwater activities requiring breathing apparatus
– Motorcycling, member of armed forces, rescue services, police forces, aircraft crew

Sourced From:
https://www.piam.org.my/consumer/general-insurance-products/personal-lines/personal-accident/

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