As you go through different stages in life, you go through different experiences… and are exposed to different levels of risk. Which means you’ll need protection that’s flexible enough to cover you even as your life evolves and transforms. Perfect 10 Personal Accident Insurance was designed to do just that. It’s the perfect complement to your lifestyle, no matter what it may be, with 10 affordable plans to suit your needs, budgets, risks and requirements.

Are You Eligible?

Perfect 10 Personal Accident Insurance is available to all Malaysians or Malaysian Permanent Residents from thirty (30) days to sixty five (65) years of age. Only selected plans are available for children below 18 years of age (Plan 1 and 2).

Perfectly Empowering

Perfect 10 Personal Accident Insurance comes with a host of useful features, including:

  • Exceptional flexibility with a choice of 10 affordable plans
  • Accidental death and permanent disablement benefit of up to RM1,000,000
  • Medical expenses incuding traditional treatment
  • Reimbursable service tax on medical expenses
  • Extended coverage including coverage against terrorism, hijacking and natural disasters
  • 10% family discount for 2 or more persons

Perfectly All-Encompassing

Perfect 10 Personal Accident Insurance comes with free extensions to protect you against occupational, lifestyle and situational risk beyond conventional coverage including:

  • Strike, Riot & Civil Commotion
  • Hijacking
  • Drowning
  • Amateur Sports, Winter Sports, Motorcycling, Hunting, Scuba Diving
  • Unprovoked Murder & Assault
  • Insect, Snakes, Vermin & Animal Bites
  • Disappearance
  • Natural Disasters
  • Exposure to Natural Elements
  • Suffocation through Smoke, Fumes or Poisonous Gas
  • Terrorism Cover (excluding Nuclear, Chemical or Biological weapons of mass destruction)

Annual Gross Premium (inclusive of 6% GST)

Category Definitions

  1. Class 1: Individuals engaged in professional, administrative, managerial, clerical and non-manual occupations
  2. Class 2: Individuals engaged in supervision work but not involved in manual labour
  3. Class 3: Individuals engaged in manual work involving tools or machinery


Premiums for Class 1 & 2 (All Plans) - From RM46.64 per annum


Premiums for Class 3 (Plans 1 – 5 only) - From RM67.84 per annum

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Key features

  • Accidental Death / Permanent Disablement - Lump sum payment of up to RM1,000,000
  • Medical Expenses - Up to RM10,000; includes traditional treatment expenses of RM30 per visit and up to RM300 per accident
  • Hospital Income - Weekly payment of up to RM1000 for a maximum of 52 weeks
  • Post Hospitalisation Allowance - Up to RM500 per week
  • Personal Liability - Up to RM100,000
  • Repatriation Expenses - Up to RM5,000 in the event of overseas death
  • Corrective Dental and/or Cosmetic Surgery - Up to RM5,000
  • Bereavement Allowance - Up to RM2,000
  • Ambulance Fees - Up to RM500

Get a Quote Online

Get a quote online immediately, or call Kurnia on 1800-88-3833 to get a quote over the phone.