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Comprehensive Personal Accident Insurance, Travel Insurance, Senior Gold PA Insurance Policy arranged by Malaysia Medical Insurance Organisation (MMI)

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Product Name:AXA Smart PA - Personal Accident Insurance
Product Code:AXA Smart PA - Personal Accident Insurance
Availability:Yes
  
Product description:

AXA Smart PA - Personal Accident Insurance
SmartPA, the ideal Personal Accident insurance that will help protect yourself and family because you will never know when accidents can happen. While you cannot avoid all accidents that come your way, SmartPAwill provide you with an ease of mind should such an unfortunate event take place.

From just RM0.31 a day, you and your family can now be protected, financially secured and confident about the future, even in trying moments.

Highlights of benefits and coverage:

  • High Sum Insured up to RM750,000
  • Double Payout
  • Renewal Bonus up to 50%
  • Family Plan for as low as RM0.51 a day
  • Cashless Admission Gurantee
  • Loan Protector Up to RM7,500
 
AXA Smart PA (Personal Accident Insurance Plan
you will be covered for benefits such as
• Accidental Death and Permanent Disablement
• Cashless admission and discharge from all participating hospitals (for all accidents)
• Renewal bonus up to 50%
• Double indemnity cover
.Dental correction and/ or corrective cosmetic surgery
• Personal liability cover

Descriptions of the features


Our SmartPA offers you and your loved ones comprehensive coverage that provides 24-hour protection around the world.

High Sum Insured
We cover Accidental Death or Permanent Disablement (including coma) up to RM750,000.

Double the Payout
Double the payout up to RM1,500,000 for Accidental Death or Permanent Total Disablement whilst travelling on a public transport, travelling overseas or being a victim of snatch theft or robbery.

Renewal Bonus up to 50%
Principal sum insured will increase from 10% per year up to 50% upon renewal of insurance provided there is no claim under Permanent Disablement.

Family Plans Privilege
Extend the protection to your spouse and family with unlimited number of children for as low as RM0.51 a day.

 

Cashless Admission Guarantee
Guarantees up to RM9,000 for admission at any participating hospitals in Malaysia due to an accident.

 

Loan Protector up to RM7,500
In the event of Accidental Death, we will reimburse the Insured Person’s outstanding credit liabilities for credit cards, personal loan, overdraft, education, housing, car or renovation loans with any banks licensed by Bank Negara Malaysia.

Accidental Medical Expenses
Covers your medical expenses up to RM9,000 for treatment from a hospital or clinic due to an accident.


Alternative Medication Treatment
Pays up to RM500 per accident for treatment by a registered traditional medicine practitioner, osteopath, chiropractor, herbalist and/or bonesetter.

Prostheses
Pays for the necessary cost of purchasing wheelchair, artificial arm or leg and crutches.
  

Ambulance
Pays for the ambulance cost incurred to transport the Insured following an accident. 

 

Daily Hospitalization Allowance
Up to RM200 daily cash allowance is paid for each day to a maximum of 100 days for hospitalisation due to accident. This is on top of the Medical Expenses payout! 

 

Weekly Nursing Care Charges
A weekly cash allowance for up to RM1,000 per week for special nursing care if post-hospitalization nursing care is considered necessary by the hospital.


Cash Relief
Pays lump sum emergency cash up to RM7,500 in the event of Accidental Death.

 

Repatriation Expenses
Payment for the cost of cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia in the event of death.
  

Personal Liability
Liabilities payment for up to RM750,000, should you be liable to pay a third party for accidental bodily injury or accidental property damage.

Bereavement/ Funeral Allowance
A lump sum payment of up to RM 10,000 for bereavement and funeral allowance in the event of Accidental Death.

 
Dental and Corrective Surgery
Pays up to RM5,000 for any additional expenses incurred for dental correction and/or corrective cosmetic surgical operation to the face, neck, head or chest necessitated by an accident.
 

Kidnap Benefit
Payment of RM5,000 lump sum for expenses incurred including hiring a private investigator. A reward of RM25,000 for information leading to the alive recovery of the Insured. Full payment of the principal sum insured upon non-recovery of the kidnapped person after a period of one year from the day of the kidnap.  

 

Compassionate Care Allowance
Covers up to RM1,000 for the expenses incurred for travelling and accommodation by one family member to take care of and/or accompany the Insured who is a minor (aged 12 and below), during hospitalization due to accident.  

Snatch Theft or Robbery
A lump sum payment for loss or damage to personal effects due to snatch theft or robbery. Police report required (to be made within 24 hours).  

 

Value added - Optional
Temporary Total Disablement

An option to include Weekly Benefit coverage for yourself and spouse and be entitled to 104 weeks of weekly benefits if the insured person is unable to attend work as a result of an accident (as certified by a medical practitioner). Weekly benefit payout is up to RM250 per week!

 
 
Hospital Admission Hotline

1300-80-0020
Cashless Admission Due To Accident (Panel Hospitals Only)

Just present your SmartPA Card for cashless, hassle-free admission. If you do not have the card with you at the time of admission, call the hotline above and inform the operator your name and identity card number.
Panel Hospitals
Read/download our list of panel hospitals.
 


Table of benefits

 
Benefits
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
Plan 6
Accidental Death
RM50,000
RM100,000
RM200,000
RM300,000
RM500,000
RM750,000
Accidental Permanent Disablement
RM50,000
RM100,000
RM200,000
RM300,000
RM500,000
RM750,000
Double Indemnity
RM100,000
RM200,000
RM400,000
RM600,000
RM1,000,000
RM1,500,000
Renewal Bonus
10% per year up to 50% of principal sum insured

Accidental Medical Expenses

a) Medical Expenses

RM3,000
RM4,000
RM5,000
RM6,000
RM7,000
RM9,000

b) Alternative Medical Treatment

(Maximum RM50/ Consultation/ Day)

RM500 per accident
Prostheses
max RM1,000 per accident
Local Ambulance Fees
RM500
Daily Hospitalization Allowance (maximum 100 days)
RM50/day
RM75/day
RM100/day
RM125/day
RM150/day
RM200/day
Weekly Nursing Care Charges (maximum 4 weeks)
RM500/week
RM750/week
RM1,000 per week, RM4,000 per accident
Cash Relief
RM2,000
RM3,000
RM5,000
RM5,000
RM7,500
RM7,500
Repatriation Expenses (up to)
RM10,000
Personal Liability
RM50,000
RM100,000
RM200,000
RM300,000
RM500,000
RM750,000
Bereavement/ funeral Allowance
RM5,000
RM10,000
Dental and Corrective Surgery
RM5,000

Kidnap Benefits

a) Lump sum payment

RM5,000
b) Reward for information leading to alive recovery of insured person
RM25,000
c) Insured person not recovered after 1 year from date of Kidnap
RM50,000
RM100,000
RM200,000
RM300,000
RM500,000
RM750,000
Compassionate Care Allowance
RM200 per week up to RM1000
Snatch Theft or Robbery
RM300
Cashless Admission Guarantee
RM3,000
RM4,000
RM5,000
RM6,000
RM7,000
RM9,000
Loan Protector
RM2,000
RM3,000
RM5,000
RM5,000
RM7,500
RM7,500
Optional Benefit
Class 1 & 2 - Temporary Total Disablement (Weekly Benefit up to 104 weeks)
RM50
RM75
RM125
RM150
RM200
RM250
Class 3 - Temporary Total Disablement (Weekly benefit up to 104 weeks)
RM50
RM50
RM50
N/A
N/A
N/A
 
 

Note:
1. Eligible age is any person aged from 18 to 65 years old, renewable up to 75 years.
2. Eligible age for children is from 1 to 18 years of age (or up to 23 years for full-time students).
3. Children are covered 15% for Death and Disability benefits and 100% for other benefits.
4. Only legal children can be insured (irrespective of number of children).
5. Family Limits apply. Kindly refer to policy wording for full details.
6. For the premium table, please refer to Section C Insurance Details in the proposal form.

 

If you would like to know more, please send an Enquiry or Contact Us.

 
 

Policy Wording

Read/download our personal accident SmartPA policy wording
 
 
FAQ

Who is eligible to join?
Any person ages 18 to 65 years old is eligible to join. The renewal age is up to 75 years.


Are there exclusions?
Some of the standard exclusions are: venereal disease; HIV; AIDS; ARC; any unlawful act; wilful exposure to danger; suicide; self-implicated injury; pre-existing physical or mental defect, or infirmity; illness; cosmetic surgery; pregnancy; childbirth; military; police or fire duties; war; invasion; rebellion; ionising radiation or contamination by radioactivity from any irradiated nuclear fuel/ component or any radioactive toxic explosive, participation in dangerous sports - skin diving, parachuting, winter sports; underwater activities requiring the use of breathing apparatus; steeple chasing; big game hunting; professional sports and racing.

Are there any occupational exclusions?
These are divers; police; naval; air force army/military; law enforcement officers; aircraft testers; pilots or crew; seamen and sea fishermen; racing drivers; jockeys; oil rig workers; sawyers and timber workers; firemen; steeplejacks; stevedores; persons engaged in demolition of buildings; persons engaged in ambulance services; woodworking machinists; explosive handlers; persons engaged in underground tunneling and mining; and professional sports persons. Please consult your insurance advisor at AXA Affin General Insurance Berhad for more details.

 
Brochure

AXA Smart PA

AXA Smart PA

you will be covered for benefits such as

• Accidental Death and Permanent Disablement
• Cashless admission and discharge from all participating hospitals (for all accidents)
• Renewal bonus up to 50%
• Double indemnity cover
• Dental correction and/ or corrective cosmetic surgery
• Personal liability cover at one and a half times the Principal Sum Insured
• Hospital income benefit (Daily hospital allowance)

• Weekly benefits

• Sinseh or traditional treatment (Paid up to RM 500.00)
• Reimbursement for prostheses/wheelchair
• Kidnap cover
• Weekly Nursing Care Charges
• Ambulance fee
• Funeral expenses
• Repatriation expenses
• Snatch theft
• Compassionate care
Extended Benefits:

• Motorcycling
• Murder and assault (unprovoked)
• Accidental Drowning or Near Drowning
• Suffocation through Smoke, Fumes or Poisonous Gas
• Poisonous Food and drink
• Accident consequent upon intoxication of alcohol
• Intoxication by drugs (drugs must be prescribed by a qualified Medical Practitioner)
• Amateur sports (except martial arts and boxing), Racing on foot, Hunting on foot.
• Mountaineering (not invilving the use of robes or guides)
• Strike, riot and civil commotion
• Insect, snake and animal bites
• Hijacking
• Disappearance
• Exposure to natural elements or weather elements
• Terrorism extension

AXA Smart PA is an annually renewable Personal Accident Policy.

Product Disclosure Sheet
Read/download our personal accident SmartPA product disclosure sheet



 
                  
AXA Smart PA - Personal Accident Insurance-AXA Smart PA - Personal Accident Insurance
 
 
 
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