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Accident can happen anytime and anywhere. When a
serious accident occurs, it not only causes pain and
sufferings; it can be a major financial burden too.
BERJAYA
SOMPO
INSURANCE BERHAD
has designed the following various personal accident
products to cater all your needs.
Individual P.A. Insurance
This is a flexible PA product where you can pick and
choose your own coverage that will most meet your
needs.
Wide Cover which includes the following
free of charge :
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Disappearance |
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Motor-cycling |
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Food poisoning |
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Murder and assault |
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All natural disasters |
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Riot strike and civil commotion |
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Most games and sports (as an amateur only) |
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Hijacking not arising from
war-like action |
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Drowning, suffocation by smoke or poisonous
fumes |
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Exposure to the elements as
a result of an accident |
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Insect and animal bites
which cause immediate death or injury |
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Intoxication (except drunken
driver as governed under the law) |
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24 hours worldwide
protection |
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Burial or Cremation Expenses
of RM2,000/- |
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Loss of use of limbs is
treated as loss of limbs |
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Service Tax on Medical
Expenses incurred is payable |
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Repatriation Expenses up to
RM5,000/- in the event of death |
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Flying as fare-paying
passenger on board licensed passenger
carrying aircraft |
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Definition of accident does
NOT include the words "violent external and
visible" |
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Reimbursement for
Traditional Treatment of RM25/- per visit
subject to maximum RM250/- per accident |
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Automatic Increase of
RM500/- in Medical Expenses in the event of
Life Insured being hospitalised |
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Death and Permanent
Disablement Benefit is payable over and
above weekly benefits, medical expenses or
hospital income |
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Hospitalisation Allowance of
RM500/- per accident payable to Insured for
hospital confinement exceeding 14 days when
weekly benefits is covered |
 
Coverage
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Section |
Benefit |
Amount of Coverage |
| A\B |
Accidental Death/
Permanent Disablement |
Flexible |
| C1 |
Temporary Total
Disablement (TTD) per week |
0.2% of the sum insured for Accidental Death /
Permanent Disablement and up to a maximum of RM1000
per week whichever is lower |
| C2 |
Temporary Partial Disablement
(TPD) per week |
50% of TTD |
| D |
Medical Expenses |
Flexible
(In multiple of RM1,000 up to maximum of RM5,000) |
| E |
Hospital Income per week |
Flexible
(In multiple of RM100 up to maximum of RM500) |
Benefits
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BENEFIT A - DEATH
In the event of Accidental Death occurring
within 12 calendar months from the date of
injury, the sum insured is payable.
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BENEFIT B - PERMANENT DISABLEMENT
In the event of Accidental Permanent
Disablement occurring within 12 calendar
months from the date of injury, the sum
insured or a percentage of the sum insured
is payable.
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BENEFIT C1 - TEMPORARY TOTAL
DISABLEMENT
In the event the Life Insured is totally
disabled and is unable to engage in or
attend to his usual occupation, a specified
weekly is payable for such period of
temporary total disablement.
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BENEFIT C2 - TEMPORARY PARTIAL
DISABLEMENT
In the event the Life Insured is partially
disabled and is unable to engage in or
attend to a substantial part of usual
occupation, a specified weekly benefit of
50% of the amount specified in Benefit C1 is
payable for such period of temporary partial
disablement.
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BENEFIT D - MEDICAL EXPENSES
In the event the Life Insured requires
medical treatment for injuries resulting
from accident, and provided such treatment
is received from qualified medical
practitioner, such medical and surgical
expenses necessarily and reasonable incurred
are payable.
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BENEFIT E - HOSPITAL INCOME
In the event the Life Insured requires
hospitalisation in a registered hospital or
government hospital as a result of
accidental bodily injury, a specified weekly
income is payable for such period of
hospitalisation. |
Classification
Of Occupations
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CLASS 1
Professions and occupations involving
non-manual, administrative or clerical work,
solely in offices or similar non-hazardous
places.
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CLASS 2
Professions and occupations involving
work of a supervisory nature or traveling
outside office for purposes but not engaging
in manual work.
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CLASS 3
Professions and occupations involving
manual work and/or the use of tools or
machinery.
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Age limit at Entry: From
16 to 60 years
General Exclusions
The policy does not cover war risks, existing
physical or mental defect, suicide, self-injury,
pregnancy or child-birth, hernia, HIV bacterial or
viral infections, any disease or sickness,
participation in a criminal act, professional
sports, racing of any kind (other than on foot),
caving, parachuting, hang gliding, hunting,
mountaineering requiring ropes or guides, water-ski
jumping, underwater activities involving the use of
breathing apparatus.
This brochure is not a contract of insurance. The
descriptions of the available cover are only a brief
summary for quick and easy reference. The precise
terms and conditions that apply are stated in the
policy.
Get Quote
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