a plan that relieves you from the financial burden of unforeseen accidents
You may take extra care in everything you do, but accidents can still happen at anytime, anywhere. When these unforeseen mishaps occur, you don’t want to be left with another blow from the financial consequences. With our accident protection plans, you will have the assurance of being guarded 24/7, wherever you are.
Key Benefits at a Glance:
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lump sum benefit for accidental death, dismemberments and major burns
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double benefit to enhance your protection
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protection from loss of income (Accident Protector Plus only)
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a choice of 2 different plans to suit your personal needs
Some facts to share with you:
31,417
Malaysians are injured or die from road accidents in 2009*
|
1 in 12
hospitalisation is due to accidents**
|
*Road Safety Department, Malaysia
**Health Facts 2009, Ministry of Health
benefits for you and your loved ones
lump sum benefit for accidental death, dismemberments & major burns
Should the unfortunate event of accidental death occur, 100% of the rider sum insured will be channeled to your loved ones. In the event of accidental dismemberments or major burns, you will receive a benefit according to the schedule of benefits.
double benefit to enhance your protection
Benefits for death and dismemberment and major burns will be DOUBLED if injury is sustained (1) while you are a fare-paying passenger on any public conveyance licensed to carry passengers over an established land route, or (2) while you are in a lift (except in mines or construction sites), or (3) due to the burning of any theatre, hotel, restaurant, stadium or other similar public meeting place in which you were at the commencement of the fire.
protection from loss of income (Accident Protector Plus only)
Get weekly income benefits in the event of temporary disablement that prevents you from working for a week or more or total and permanent disability, as a result of an accident.
a choice of 2 different plans to suit your personal needs
We understand that everyone has different needs. With that in mind, we offer you two choices of accident protection plan that carry different levels of benefits to best suit your needs.
|
Accident Protector |
Accident Protector Plus |
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Accidental Death Benefit
-
Accidental Dismemberment Benefit
-
Major Burns Benefit
-
Double Benefit
|
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Accidental Death Benefit
-
Accidental Dismemberment Benefit
-
Major Burns Benefit
-
Double Benefit
-
Weekly Income Benefit
|
schedule of benefits
|
Accidental Death and Dismemberment Benefit |
Death and dismemberment occurring
within 90 days from the date of injury |
% of Rider Sum Insured |
|
Loss of life |
100% |
|
Loss of 1 or more limbs |
100% |
|
Loss of sight of 1 or both eyes |
100% |
Loss of hearing:
- both ears
- 1 ear |
75%
15%
|
|
Loss of speech |
50% |
|
Loss of lens of both eyes |
50% |
Loss of all joints of 4 fingers and thumb of:
- right hand
- left hand |
40%
30%
|
Loss of all joints of 4 fingers of:
- right hand
- left hand |
40%
30%
|
Loss of:
- 2 joints of right thumb
- 1 joint of right thumb
- 2 joints of left thumb
- 1 joint of left thumb |
30%
15%
20%
10%
|
Loss of:
- 3 joints of 1 finger of right hand
- 2 joints of 1 finger of right hand
- 1 joint of 1 finger of right hand
- 3 joints of 1 finger of left hand
- 2 joints of 1 finger of left hand
- 1 joint of 1 finger of left hand |
10%
7.5%
5%
10%
7.5%
5%
|
Loss of:
- all joints of all toe of 1 foot
- all joints of great toe
- 1 joint of great toe |
15%
5%
3% |
|
Fractured leg or patella |
10% |
|
shortening of leg by at least 5 cms |
7.5% |
If the insured is left-handed, the percentages for the various losses listed above for right hand and left hand will be transposed.
|
Major Burns Benefit |
|
Areas Involved |
Damage as percentage of
total body surface area |
Insured |
|
HEAD |
Equal to or greater than 2% but less than 4% |
25% |
|
Equal to or greater than 4% but less than 6% |
50% |
|
Equal to or greater than 6% but less than 8% |
75% |
|
Equal to or greater than 8% |
100% |
|
BODY |
Equal to or greater than 10% but less than 12.5% |
25% |
|
Equal to or greater than 12.5% but less than 15% |
50% |
|
Equal to or greater than 15% but less than 20% |
75% |
|
Equal to or greater than 20% |
100% |
The maximum amount of benefits payable under Death and Dismemberment and Major Burns Benefits as a result of the same accident shall not exceed 100% of the rider sum insured.
Accident Protector Plus only
Weekly Income Benefit
(subject to a maximum of 75% of your average weekly income)
|
|
Disablement or hospitalization due to accidents |
% of Rider Sum Insured |
|
Temporary Disablement for at least 1 week - up to 52 weeks
i) Total Temporary Disablement - total and continuous
disability which continuously prevents the insured from
the date of accident from performing each and every duty
of his occupation.
ii) Partial Temporary Disablement - partial and continuous
disability which continuously prevents the insured from
the date of accident or immediately following Total
Temporary Disablement from performing 1 or more, but
not all, duties of his occupation.
|
1% per week
0.25% per week
|
Total and Permanent Disability - up to 100 months
(payable after Temporary Disablement has been paid for 52 weeks )
|
1% per month |
|
Hospitalisation with minimum stay of 24 hours in a hospital
- up to 104 weeks
If the confinement is in a place out of Malaysia, Singapore and Brunei the benefit payable under this benefit is subject to the insured having resided or travels out of Malaysia, Singapore and Brunei for not more than 90 consecutive days.
|
1% per week, subject to maximum of
RM300 per day.
|
For more information, contact us at 1 300 88 1616
important notes
AXA AFFIN Life Insurance Berhad believes it is important that you fully appreciate and understand all the benefits and charges under your policy.
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This insurance plan is underwritten by AXA AFFIN Life Insurance Berhad (723739W), a company licensed under the Insurance Act 1996 and regulated by Bank Negara Malaysia.
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You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford.
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If you are not completely satisfied with the policy, you may return the policy and request the cancellation of the policy within 15 days from the date the policy is delivered to you. We will then refund the premium paid less any medical expenses incurred.
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You are given an additional 31 days of grace period after the due date to make your premium payment. Non-payment of premium may cause the coverage to cease.
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Accident Protector and Accident Protector Plus do not cover:
i. Any self-inflicted injury or suicide, whether while sane or insane.
ii. Disease or infection of any kind (unless the bacterial infections occur in connection with or as a consequence of accidental bodily injury).
iii. Taking poison, drugs not prescribed by medical practitioner, alcohol, sedatives, or inhaling gas (except from hazard incidental to occupation).
iv. The attempt or commission of assault or unlawful act by the insured.
v. Any act due to war, declared or not, military, naval or air service for any country at war, declared or not.
vi. Travel or flight in any aircraft, except as a fare-paying passenger on a public licensed air service.
vii. Pregnancy, childbirth, miscarriage or any of their consequences, pre-existing physical or mental defect or infirmity.
viii. Any act due to riot and civil commotion.
ix. Any pre-existing, or recurring, injury or disablement which the insured suffered prior to the effective date or any date of reinstatement of this rider, whichever is later.
x. Participation in hazardous activities like boxing, skiing, wrestling, diving, mountaineering, rappelling, river rafting, rapid shooting, any form of racing other than on foot, or any speed or endurance contest.
This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under the policy.
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This brochure contains only general information about the product and does not in any way represent a policy. For a detailed description of the terms and conditions and exclusions of the product please refer to the official policy issued by AXA AFFIN Life Insurance Berhad.
