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PERFECT 10 PLUS PERSONAL ACCIDENT INSURANCE

PROTECTION MADE PERFECT

When you’ve built the perfect family, we know you want to keep them safe at all cost. And no matter diligent or vigilant you are, it’s impossible to protect yourself and your family from all untoward things, all the time. Perfect 10 Plus Personal Accident Insurance supports you in safeguarding your family with 24-hour worldwide personal accident protection that extends to your spouse and children for perfect protection, anytime, anywhere.

Are You Eligible?

Perfect 10 Plus is available to all Malaysians, Malaysian Permanent Residents and Work Permit Holders, including their spouses and children residing in Malaysia. You may obtain coverage for anyone from thirty (30) days to sixty five (65) years of age, renewable up to 70 years old.

Crafted to Perfection

Perfect 10 Plus Personal Accident Insurance was designed to give you and your loved ones truly holistic protection, with benefits including:

  • Unique family coverage with individual Sum Insured
  • Renewal bonus on Accidental Death and Permanent Disablement Benefit of 25% per year up to 50%
  • Double Hospital Income of up to 26 weeks while in Intensive Care Unit
  • Financial Shield to cover outstanding credit card, car loan and/or housing loan in the event of Total Permanent Disablement
  • Additional 10% Accidental Death Benefit for death due to Natural Disasters
  • Kidnap cover
  • Medical cover for Dengue, Malaria and Chikungunya

Perfect for the Family

You can enjoy all the privileges of Perfect 10 Plus Personal Accident Insurance as an individual, but choose to extend it to your family and you’ll EACH enjoy the benefits individually. The Family Package covers yourself, your legal spouse and any number of your and your legal spouse’s children aged from 30 days to 18 years or up to 23 years and studying full-time in an institution of higher learning. With this special coverage, your spouse gets coverage that’s equal to yours, while each of your children enjoy 20% of your coverage.

Perfecting Comprehensive Protection

Perfect 10 Plus Personal Accident Insurance goes beyond conventional coverage to protect you and your family against a wider range of instances and circumstances including:

  • Strike, Riot & Civil Commotion
  • Hijacking
  • Food Poisoning
  • 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 supervisory work but not involved in manual labour
  3. Class 3: Individuals engaged in manual work involving tools or machinery

 

Premiums for Individuals - From RM199.28 per annum for Class 1 & 2, from RM295.74 per annum for Class 3

 

Premiums for Families - From RM522.58 per annum for Class 1 & 2, from RM773.80 per annum for Class 3

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Key features

  • Accidental Death / Permanent Disablement - Lump sum payment of up to RM300,000; includes Renewal Bonus of 25% per year up to RM50% applicable when no claims are made on Permanent Disablement Benefit
  • Medical Expenses - Up to RM7,000
  • Hospital Income - Up to RM700 per week for a maximum of 52 weeks, not applicable while in Intensive Care Unit; benefit is doubled if warded in overseas hospital
  • Double Hospital Income - Up to RM1,400 a week for a maximum of 26 weeks, applies while in Intensive Care Unit only
  • Personal Liability - Up to RM100,000
  • Bereavement Allowance - Up to RM6,000
  • Financial Shield Benefit - Up to RM30,000; used to cover outstanding credit card, car loan and/or housing loan in the event of Total Permanent Disablement
  • Kidnap Cover - Up to RM25,000
  • Robbery and/or Snatch Theft Benefit - Up to RM60,000 if Accidental Death or Total Permanent Disablement occurs due to robbery and/or snatch theft
  • Natural Disasters Benefit - Additional 10% of Accidental Death Sum Insured paid for death due to Natural Disasters
  • Overseas Medical Evacuation & Repatriation Expenses - Up to RM200,000
  • Ambulance Fees - Up to RM800