Takaful Pelindung - Insurans Kemalangan Diri (P.A)
• Perlindungan RM1.0 Juta - Hanya dari RM3.50 sehari
• Perlindungan RM100 Ribu - Hanya dari RM0.44 sehari
Life is full of uncertainties. You’ll never know when an accident can occur and snatch away your physical ability as well as your livelihood. With Takaful Pelindung, you can be assured that you are secured through trying periods of your life.
Special Features
• 24 hours, worldwide coverage
• No medical check-up required
• Weekly Benefit (WB) given to non-income spouse
• 100% Medical Expenses (ME) to dependant children
• Medical Expenses (ME) for each family member in case of dengue or malaria
• Unlimited number of children in the family (from 12 months to 18 years old)
• Can cover up to multiple millions when underwriting guidelines are fulfilled
• Covers up to 10 years of income in case of accident
• Package option with / without Weekly Benefit (WB)
• Double benefits while on public transportation
• Travel as fare-passenger on scheduled or non-scheduled commercial flights (except helicopter flights)
• Intoxication by prescribed drugs
• Unprovoked murder & assault
• Strike, riot & civil commotion (non-participating)
• Drowning
• Food & drink poisoning
• Motorcycling
• Natural perils like tsunami, earthquake, windstorm, flood or landslide, etc.
• Amateur sport
• Disappearance due to accident (after 1 year)
• Unprovoked & accidental insect / animal bite
• Suffocation through smoke / poisonous gas
• Additional RM2,000 compassionate allowance (per person) for fatal injuries
• Repatriation Expenses (up to RM5,000 per person)
• Renewal bonus of 5% on the original AD / PD sum covered for 8 years (maximum
RM400,000 in aggregate per person
COVERAGE
ACCIDENTAL DEATH (AD)
• Lump sum payment for accidental death
PERMANENT DISABLEMENT (PD)
• Payment between 2-100% if a member of the body is severed or can no longer be used following an accident
DOUBLE BENEFITS (DB)
• Double benefits while travelling as a fare-paying passenger on public transportation
(including travelling on scheduled or non-scheduled commercial flights)
MEDICAL REIMBURSEMENT (ME)
• Reimbursement of medical & surgical expenses up to the limit of selected plan for any
one accident (including dengue or malaria)
WEEKLY BENEFITS (WB)
• Weekly amount up to 104 weeks paid on being certified by a qualified medical
practitioner for temporary loss of ability to work
COMPASSIONATE ALLOWANCE (PER PERSON)
• Burial expenses allowance of RM2,000
REPATRIATION EXPENSES (PER PERSON)
• Up to RM5,000 in sending the deceased participant back to Malaysia in the event of
accidental death occurring while travelling overseas
MAJOR EXCLUSION:
War risk, nuclear weapon or nuclear related risk, travelling in aircraft as a pilot or a member of the crew, travelling in a helicopter, pre-existing physical or mental defects or infirmity, childbirth, miscarriage and pregnancy risk, insanity, suicide or attempted suicide, committing or attempting to commit unlawful act, participating in any professional sports, terrorism risk.
No comments:
Post a Comment