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Minimum Participants   Entry Age   Benefits & Premiums   Special features   Coverage 

Level Premium   Excluded Occupations   Additions/Deletions   Payment Mode

CORPORATE PERSONAL ACCIDENT
Comprehensive Protection for your Loyal Employees
 
1. Coverage

(ADD) Accidental Death & Dismemberment, (MR) Medical Reimbursement, (HC) Hospitalisation compensation, (WI) Weekly Indemnity (Optional).

2. Special Features       

*

ADD   :   Accidental loss of life, accidental dismemberment and permanent total disability are covered.  The amount 
payable is subject to the event of loss stated in the Schedule of Indemnities.
 

*

MR : Reimbursement of medical expenses (in & out patient) incurred within 52 weeks from the accident date for treatment of accidental injury.
 

*

WI : Weekly disability income is payable up to 52 consecutive weeks in any one accident.
 

*

HC : Reimbursement of hospitalisation expenses (minimum of 24 consecutive hours of hospital admission) charged 
for the injury sustained.  If HC is fully paid in any one accident, the balance of the hospital bill will be reimbursed under MR (subject to maximum limits in the Table of Benefits & Premiums).

3. Table of Benefits & Premiums       

 

BENEFITS (RM)

ANNUAL PREMIUM (RM)

 

WI

With WI

Without WI

PLAN

 ADD

 MR

 HC

 (Optional)

Class
1 & 2

Class
3 & 4

Class
1 & 2

Class
3 & 4

1

30,000

 1,000 2,000 100 56 83 46 67
2 50,000 2,000 4,000 150 97 143 82 119
3 100,000 4,000 8,000 200 184 270 164 238
4 200,000 5,000 10,000 300 310 458 280 410
5 300,000 8,000 16,000 400 468 690 428 626
6 500,000 10,000 20,000 500 710 1,050 660 970
Note: Premiums indicated above exclude RM10.00 stamp duty and 5% government service tax for each policy issued.
 

4. Entry Age
* 16 - 70 years, renewable up to age 75.
 
5. Minimum participants must be at least 5 employees

* Only full time permanent employees are eligible to participate.  Only applicable to Malaysian or foreigners with valid working permit.

6. Mode of Payment        

* Annual       * Semi-annual ( x 0.51 )
7. Level premium at entry age (strictly no backdating of policy effective date).

 
8. Additions/Deletions       

* Premium calculation is on pro-rata basis on the number of months from the date of additions or deletions to the next premium due date. 
9. Excluded Occupations

* Divers, deep-sea fishermen, miners, tunnellers, workers handling explosives, weapons production workers, labourers in any kind of work, off shore workers, aerial photographers, hitchhikers, workers engaging in testing of any kind of conveyance, professional sportsmen. 

* Individual engaging in naval; military or airforce service or operations.

* Crew member or operator of any flight or sea-going vessel. 

* All class 5 risks.