Benefits

Benefits	Descriptions
Accident Living Benefit	Cover for Accidental Dismemberment or Permanent Total Disability
Accidental Death Benefit	Lump sum cash payment for accidental death
Medical Reimbursement	Reimburse medical expenses to treat the injury sustained within 52 weeks from accident date
Disability Allowance (on the Insured only)	This benefit is payable for injury sustained by the assured which shall result in the following disability within 365 days from the date of accident: > Permanent total loss of sight of one eye or both eyes, > Loss of or the permanent total loss of use of one limb or two limbs, > Permanent total loss of speech and hearing, > Permanent and incurable insanity, > Total paralysis, > Permanent total disability (PTD by occupation/training or activities of daily living). Disability allowance is paid annually to a maximum of ten (10) years commencing immediately after the Company has admitted to pay 100% sum assured under Accident Living Benefit in respect of the Assured. This benefit payment is further subject to the continuance of such disability during the payment period. In the event that the Assured dies (any cause exclude suicide) after the Company has started to pay the Disability Allowance, the balance of the Disability Allowance due will be payable in a lump sum to the nominee or estate of the deceased Assured.
Payor Benefit (on the Insured only)	Waiver of premium of the dependent member(s) from the immediate next renewal date after the date of accident when the Company has admitted to pay for Accidental Death or 100% sum assured under Accident Living Benefit in respect of the Assured.