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Home l Products & Services l Personal Accident Insurance l Premier PA Partner
    Download Fact Sheet Download Proposal Form Download Product Disclosure Sheet
 
From as low as RM7.10 per month, this policy provides 24 hours worldwide cover including accidental death or bodily injury.
 
Age limit and eligibility for this policy covers people between the age of 1 month to 65 years old and up to 80 years old for renewals.
 
Higher coverage up to RM1,000,000 with additional coverage such as cashless hospital admission facility, repatriation expenses, kidnap benefit, etc.
 
   
 

To many, accident cover is just a waste of money. The very thought alone is terrifying but it’s mostly ignored because of a common misconception that it’ll never happen to us. In reality, without proper planning – your death or dismemberment in a serious accident will leave your family in dire financial straits. Accidents happen in places where you and your family spend the most time – at work, in the home or during sports and leisure activities.

Tokio Marine’s Premier PA Partner is designed to see you and your family through the unexpected with total reliance that someone will be there, when you can’t.
 
 
• Death
• Permanent Disablement
• Medical Expenses including for Dengue, Malaria, JE
• Daily Hospital Cash
• Weekly Benefits (Optional)
• Ambulance Fees
• Bereavement Allowance (death due to Dengue, Malaria, JE)
• Blood Transfusion
• Cashless Hospital Admission Facility (due to accident)
• Corrective Dental & Cosmetic Surgery
• Coma
• Travel Allowance
• Double Indemnity (not applicable to the additional cover for Death & Permanent benefits under Optional Cover)
• Funeral Expenses (Accidental Death)
• Kidnap Benefit
• Permanent Disablement To Genitalia
• Prostheses/Wheelchair
• Renewal Bonus
• Repatriation Expenses
• Miscarriage due to Motor Vehicle Accident
• Snatch Theft
 
 
SECTION I – PERSONAL ACCIDENT  
Plan 1
Plan 2
Plan 3
Plan 4
PLAN 5
Plan 6
Plan 7
Plan 8
 
 
 
RM
RM
RM
RM
RM
RM
RM
RM
 
 
1. Principle Sum Insured                
  a) Accidental Death
50,000
100,000
150,000
200,000
300,000
500,000
750,000
1,000,000
  b) Permanent Disablement
50,000
100,000
150,000
200,000
300,000
500,000
750,000
1,000,000
               
Not Applicable for
"Class 3" occupation
2. Medical Expenses (inclusive of below)
3,500
4,500
5,500
6,500
7,500
8,500
9,500
10,000
  **

 Sinseh/Traditional Treatment
(RM40 per visit & up to RM400 per accident		                
  ** Fees for Medical / Specialist / Post-mortem Report                
  ** Medical Expenses for Dengue, Malaria & JE                
3. Daily Hospital Cash (per day up to max. 180 days)
75
75
75
100
100
175
175
225
4. Weekly Benefits (maximum 52 weeks)        
   
  - Class 1 & 2 occupations
50
75
100
125
150
250
375
500
  -

 Class 3 occupation
50
50
50
75
75
Not Applicable for
"Class 3" occupation
5. Ambulance fees for services rendered in Malaysia only (per accident)
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
6. Bereavement Allowance (death due to Dengue, Malaria or JE)
5,000
10,000
15,000
20,000
30,000
50,000
75,000
100,000
7.

 Blood Transfusion (positively diagnosed with HIV with 2 years
from date of the blood transfusion in a hospital with Malaysia.
5,000
10,000
15,000
20,000
30,000
50,000
75,000
100,000
8.

 * Cashless Hospital Admission Facility (Hospitalization due to an accident & in a participating hospital in Malaysia)
2,500
2,500
2,500
2,500

2,500

2,500
2,500
2,500
  *subject to overall Medical Expenses limit. Not applicable to Group Policy.                
9. Coma due to an accident (Coma state for at least 1 year)
50,000
100,000
150,000
200,000
300,000
500,000
750,000
1,000,000
10. Dental Correction and Corrective Cosmetic Surgery
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
11. Funeral Expenses (Accidental Death)
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
12. Kidnap Benefit                
  a) Necessary Expenses Incurred
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
  b)
Reward for information leading to recovery of the Insured Person
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
  c)
 Insured Person not recovered after one year from the day of kidnap
50,000
100,000
150,000
200,000
300,000
500,000
750,000
1,000,000
13.

 Permanent Disablement to Genitalia (Impotency for males up to 60
years old and infertility for female up to 50 years old due to an accident)
5,000
10,000
15,000
20,000
30,000
50,000
75,000
100,000
14. Prostheses / Wheelchair Benefit
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
15. Repatriation Expenses
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
16.
 Travel Allowance (RM200 per week up to maximum RM1,000 per accident)
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
17.



 Double Indemnity
(Death or Permanent Total Paralysis from neck down or Permanent Total
Loss / Loss of use of 2 limbs due to an accident whilst traveling as a
fare paying passenger on any public transport or traveling overseas)
100,000
200,000
300,000
400,000
600,000
1,000,000
1,500,000
2,000,000
18.

 Renewal Bonus
(on Death / Permanent Disablement – Principal Sum Insured only)		                
  - 10% for each year up to maximum 50%
25,000
50,000
75,000
100,000
150,000
250,000
375,000
500,000
19.








 Miscarriage due to Motor Vehicle Accident
The Company will reimburse the Insured Person up to RM1,000 per person per accident for medical expenses in the event the Insured Person suffers a miscarriage as a result of a motor vehicle accident, whether as a pedestrian, passenger, pillion or driver/rider.

This benefit is payable in addition to the expenses paid under Medical Expenses Benefit and subject to the submission of original medical bills issued by a qualified medical practitioner.
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
20.







 Snatch Theft
In the event of a loss or damage to the Insured Person’s personal effects due to snatch theft, the Company will reimburse up to RM300 subject to a police report being lodge. The reimbursable items are replacement fee for NRIC, passport, driving license, credit/charge cards, access cards for entry to buildings/parking lots, eye glasses, hand phone, wallets and purses. Police report must be made within 24 hours of occurrence.
300
300
300
300
300
300
300
300
                     
 
 
SECTION II – PERSONAL LIABILITY (Territorial Limit : Within Malaysia)
 
 
Limit of Liability in respect of any one claim or a series of claims arising from one accident or cause and in the aggregate for any one period of insurance
75,000
150,000
225,000
300,000
450,000
750,000
1,125,000
1,500,000
Optional Cover (Class 1 & 2 only)
(for top up of RM100,000 for Death / Permanent Disablement benefits)		                
– not eligible for Renewal Bonus and Double Indemnity
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
                 
 
 
ANNUAL PREMIUM
 
 
Class 1 & 2 only                
– Premium with Weekly Benefit
115
195
265
345
465
805
1,085
1,425
– Premium without Weekly Benefit
85
155
205
275
385
625
885
1,175
– Additional Premium for "Optional Cover"
50
50
50
50
50
50
50
50
– Car Assistance Programme (CAP)
15
15
15
15
15
15
15
15
Class 3 only                
– Premium with Weekly Benefit
175
275
385
535
785
N/A
N/A
N/A
– Premium without Weekly Benefit
140
240
350
480
730
N/A
N/A
N/A
                   
Note
For appropriate classification, please refer to Company		                
 
     
 
 
• 1 month to 65 years old and up to 80 years old for renewal
•

 Children 1 month to 12 years old are eligible for Plan up to RM50, 000 (without Weekly Benefit)
•

 Children 13 to 17 years old are eligible for Plan up to RM100, 000 (without Weekly Benefit)
•

 Adults 18 years and above who are dependent upon parent(s) support and unemployed are eligible for Plan without Weekly Benefit
• Housewives are not entitled to Weekly Benefits
 
• For Group Policies, the following policy terms will apply:
-   No Group discount allowed
-   Applicable to Named Insured Person only
-   Renewal bonus benefit is allowed subject to :
a)

 new Insured Person included during mid-term of the policy will only qualify for the renewal bonus after one year from the date of inclusion
b) not interchangeable between Insured Persons
c) no claims made under the provision of the Renewal Bonus benefit
-   Subject to Conveyance limit of RM5 million any one accident
•

 For Class 3 occupations, the eligible plan is Plan 1 (for Plan 2 and/or Plan 3 - please refer to the Company)
 
OPTIONAL COVER / PERLINDUNGAN OPSYENAL
With an additional premium of RM50, you may top-up the Death and Permanent Disablement benefit under the plans for Class 1 & 2 occupation by RM100,000.
 
CLASS 1
Professional and non-hazardous occupations involving non-manual, administrative, managerial or clerical work solely in offices.
CLASS 2
Non-hazardous occupations involving work of a supervisory nature or traveling but not engaging in manual labour.
CLASS 3
Persons engaged in occasional or regular manual work not particularly hazardous in nature but involving the use of tools or machinery (not using woodworking machinery).
 
•

 Police, Army/Military/Navy and Law Enforcement Officers, Aircraft Testers, Pilots or Crews   •

 Person engaged in Ambulance Services, Oil Rig Workers, Sawyers and Timber Logging Workers, Explosive Handlers, Underground Tunnel and Mine Workers
•


 Jockeys, Fireman, War Correspondents, Steeplejack, Stevedores and Persons engaged in Demolition of Buildings, Seamen and Sea Fisherman and Racing Drivers   •

 Diver, Wood Working Machinists, Racing Drivers, Person engaged in Professional Sports Activities and other similar Hazardous Sports Activities or Occupations
 
Note
- This list is not exhaustive
- Agent is not authorized to bind cover unless written confirmation by the company
 
Section 1: Personal Accident
 
• War and allied risks
• Suicide (whether sane or insane) or any attempt threat
• Illness, diseases, infections, acquired immune deficiency syndrome (AIDS), human immune deficiency virus (HIV) and/or HIV related illness. However the named diseases specifically mentioned under Medical Expenses, Blood Transfusion and Bereavement Allowance Benefits may be covered under specific circumstances as defined in the policy
• Childbirth, miscarriage (except due to motor vehicle accident), pregnancy or any other complication thereof
• Professional sports activities of any kind
• Flying as a pilot or crew member in any aircraft other than as a fare paying passenger in an aircraft licensed for passenger service
• Pre-existing physical or mental defect or infirmity
• Hazardous sports activities such as mountaineering involving the use of ropes or mechanical guides, parachuting, hand gliding, racing of any kind (other than on foot)
• Radioactive and nuclear weapon material accidents
• Terrorism
 
Section 2: Personal Liability
 
• Liability assumed under contract and/or agreement
• Claims made by your employees for accidents arising in the course of employment
• Claims against you by your family members
• Liability in respect of damage to property held under your care, control or custody
• Liability arising from the ownership, possession or use of any animal (other than a dog or cat), mechanically propelled vehicle, vessel or aircraft, land or building and firearms
• Seepage pollution or contamination
• Liability arising out of your employment, trade, profession or business
• Fines, penalties, punitive or exemplary damages
• Radioactive and nuclear weapon material accidents
• Terrorism, war and allied risks
• Any consequential loss of any kind whatsoever
 
 
1. Who is eligible to apply for Premier PA Partner?
 
All Malaysian citizens from the age of 1 month to 65 years at the date of enrolment.
   
2. Are there any occupational exclusions?
 
Yes, there are. Police, Army/Military/Navy and Crew Enforcement Officers, Aircraft Testers, Pilots or Crews, Jockeys, Fireman, War Correspondents, Steeplejack, Stevedores, Persons engaged in Demolition of Buildings, Seamen and Sea Fisherman, Persons engaged in Ambulance Services, Oil Rig Workers, Sawyers and Timber Logging Workers, Explosive Handlers, Underground Tunnel and Mine Workers, Divers, Wood Working Machinists, Racing Drivers, Person engaged in Professional Sports Activities and other similar Hazardous Sports Activities or Occupations. (This list is not exhaustive. Please refer to the Company for clarification).
   
3.
 How do I enroll for the policy?
 
Just complete the proposal form and send it to us or your friendly insurance Agent for immediate processing.
   
4. When does my cover begin?
 
The cover commences upon approval of your proposal form provided that you comply with the Cash Before Cover regulations attached to the plan.
   
5. What are the exclusions under the policy?
 
Standard exclusions apply such as war, invasion, civil war, mutiny, self-inflicted injury, pregnancy, childbirth, pre-existing physical or mental defect or infirmity, HIV and AIDS related diseases. Full details are set out in the Policy Document.
   
6. What is the Cashless Hospital Admission Facility benefit under the policy?
 
In the event of an accident where hospitalization is required, the Company will facilitate Insured Person’s admission into hospitals in Malaysia listed under its panel by providing the guarantee required by the hospital up to a maximum of RM2,500 subject to terms and conditions set out in the policy.
   
7. Is group policy allowed under this product?
 
For Group Policies, the following policy terms will apply :
• No Group discount allowed
• Applicable to Named Insured Person only
•






 Renewal bonus benefit is allowed subject to :
a)

 new Insured Person included during mid-term of the policy will only qualify for the renewal bonus after one year from the date of inclusion
b) not interchangeable between Insured Persons
c) no claims made under the provision of the Renewal Bonus benefit
• Subject to conveyance limit of RM5 million any one accident
   
8. Can I buy more than one plan?
  No, only one Plan is allowed per Insured Person.
   
9. What is Optional Cover?
 
For an additional premium of RM50, you may top-up the Death and Permanent Disablement benefit under the plans for Class 1 & 2 occupation by RM100,000. However, this optional cover is not eligible for Renewal Bonus and Double Indemnity
   
10. How do I make a claim?
 
Please contact the Company or your insurance agent within fourteen (14) days upon sustaining any accident, loss or damage to obtain a claim form. Submit the completed claim form together with all relevant documents to the Company for immediate processing.
   
11. How do I lodge a complaint if I’m not satisfied with the claim services?
 
If you are not satisfied with the course of action or decision of the Company, you should try and resolve the complaint with the Company.

If you are still unhappy with the decision of the Company, you may seek Assistance with the Financial Mediation Bureau or Bank Negara's Customer Service Bureau.

For more information, log on to www.insuranceinfo.com.my.
   
   
 
• Individual PA Partner Insurance