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Personal Accident Insurance

Income Protect

A plan that covers you for accidents, medical expenses, and provides cash allowance for hospitalisation. From RM0.54/day*.

*Based on Plan 1 (Myself), Annual Plan, inclusive of 6% Sales and Services Tax and RM10 stamp duty.

What is Income Protect?

Accidents and hospitalisation can happen anytime, anywhere, and to anyone.

Get protected with Income Protect plan and you will be get cash allowance for each day you are hospitalised due to an accident to compensate you for your potential loss of income.

Why Income Protect?

Income Protect plan provides you and your family a complete protection with affordable premiums.

  • Up to RM1,000,000 for Accidental Death or Permanent Disablement
  • Up to RM500/day (up to 30 days) for hospitalisation
  • Up to RM2,000 for medical out-patient expenses (on reimbursement basis)
  • Up to RM3,000 for compassionate cash
  • Up to RM25,000 for children’s education benefits

Specially for income earners only:

  • Up to RM200,000 for additional income for Total and Permanent Disability (TPD)
  • Up to RM1,000 per week (up to 24 weeks) cash allowance if suffer from TPD

Benefits & Premium

Benefits Maximum Benefit Amount Per Person in Ringgit Malaysia (RM)
Plan 1 Plan 2 Plan 3 Plan 4
Death and Disablitity Benefits Due to Accident
Death
a) Per adult
b) Per child		 100,000
20,000		 150,000
20,000		 250,000
50,000		 500,000
50,000
Permanent Disability
a) Per adult
b) Per child		 100,000
20,000		 150,000
20,000		 250,000
50,000		 500,000
50,000
Death or permanent Disability whilst travelling on public transport, the public transport is hijacked, being a victim of murder, or terrorism
a) Per adult
b) Per child		 200,000
40,000		 300,000
40,000		 500,000
100,000		 1,000,000
100,000
Temporary Total Disability up to 24 weeks per accident (for income earners only) 500
per week		 500
per week		 500
per week		 1,000
per week
Temporary Partial Disability up to 24 weeks per accident (for income earners only) 250
per week		 250
per week		 250
per week		 500
per week
Hospital and Medical Benefits Due to Accident
Cash allowance for hospital ICU
(up to 30 days)		 150
per day		 200
per day		 400
per day		 500
per day
Cash allowance for hospital other than ICU
(up to 30 days)		 75
per day		 100
per day		 200
per day		 250
per day
Reimbursement of medical outpatient expenses 500 1,000 1,000 2,000
Allowance and Education Benefits
Compassionate cash 1,000 2,000 3,000 3,000
Children education fund (per child) 10,000 15,000 25,000 25,000
Additional income for Total and Permanent Disability, due to accident (for income earners only) 50,000 75,000 125,000 200,000

Terms & conditions apply.

 

Monthly Premium Rate

Coverage Scheme Monthly (RM)
Plan 1 Plan 2 Plan 3 Plan 4
Myself 15.40 23.14 37.80 71.54
Myself & Spouse 29.26 43.97 71.81 135.93
Myself, Spouse & 1 Child 32.40 47.86 79.42 144.96
Myself, Spouse & 2 Children 34.60 50.39 84.74 149.94
Myself, Spouse & 3 Children 37.65 54.17 92.14 158.73
Myself, Spouse & 4 Children 40.70 57.96 99.55 167.52
Myself, Spouse & 5 Children 42.57 60.07 104.07 171.55
Myself & 1 child 17.77 25.87 43.51 77.00
Myself & 2 children 20.90 29.76 51.12 86.02
Myself & 3 children 23.40 32.76 57.18 92.55
Myself & 4 children 26.46 36.55 64.59 101.34
Myself & 5 children 29.51 40.33 72.00 110.13
 

Yearly Premium Rate

Coverage Scheme Yearly (RM)
Plan 1 Plan 2 Plan 3 Plan 4
Myself 175.00 263.00 429.50 813.00
Myself & Spouse 332.50 499.70 816.05 1,544.70
Myself, Spouse & 1 Child 368.13 543.88 902.50 1,647.30
Myself, Spouse & 2 Children 393.13 572.58 962.93 1,703.85
Myself, Spouse & 3 Children 427.81 615.59 1,074.10 1,803.75
Myself, Spouse & 4 Children 462.50 658.60 1,131.28 1,903.65
Myself, Spouse & 5 Children 483.75 682.65 1,182.60 1,949.40
Myself & 1 child 201.88 294.03 494.48 874.95
Myself & 2 children 237.50 338.20 580.93 977.55
Myself & 3 children 265.94 372.31 649.81 1,051.73
Myself & 4 children 300.63 415.33 733.99 1,151.63
Myself & 5 children 335.31 458.34 818.16 1,251.53

All premiums, other charges and fees (if applicable) are subjected to relevant changes or taxes as deemed necessary by the Malaysian tax authorities. The premiums are exclusive of RM10 stamp duty.

Who can apply

  • Adult age between 18 and 65 and child age between 45 days to 18 years old (or aged under 23 if studying full-time in a recognised institution of higher learning); and
  • Residents of Malaysia or
  • Permanent Resident of Malaysia or
  • Legally employed and residing in Malaysia including their spouse and children

Making a claim

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