PA Protector and PA Medicare

Comprehensive personal accident coverage with flexible add-on benefits.

Accidents can happen anywhere, any time and to any one. Therefore, we should always prepare for the rainy day. PA Protector is a basic personal accident add-on which is designed to cover you and your family from any unexpected event. It provides you a comprehensive coverage and gives you the flexibility to increase your coverage by adding PA Medicare rider.

Provides accidental death and permanent disablement benefit
Double indemnity benefit
Flexible to add-on additional accidental coverage
Affordable insurance charges
Worldwide coverage, 24 hours a day, 7 days a week

PA Protector

ACCIDENTAL DEATH	Pays 100% of PA Protector principal sum assured in the event of accidental death.
ACCIDENTAL PERMANENT DISABLEMENT	Pays up to 100% of PA Protector principal sum assured according to the scale of benefits in the event of permanent disability caused by accident.
<span">DOUBLE INDEMNITY</span">	Double the scale of benefits if death or injuries are sustained while the life assured was travelling as a passenger in public conveyance, or in an elevator car (elevators in mines and construction sites excluded), or as consequence of burning of public building.

Scale of Benefits

ACCIDENTAL DEATH AND PERMANENT DISABLEMENT	% OF PRINCIPAL SUM ASSURED
Accidental death	100%
Any other injury causing Total and Permanent Disability	100%
Total paralysis	100%
Injuries resulting in being permanently bedridden.	100%
SIGHT, SPEECH AND HEARING
Loss of whole eye	100%
Loss of sight in one eye	100%
Loss of sight in one eye except perception of light	50%
Loss of lens of one eye	50%
Loss of speech	50%
Loss of hearing	Both ears	75%
Loss of hearing	One ear	15%
LIMBS
Loss of or permanent total loss of use of two limbs	100%
Loss of or permanent total loss of use of both hands, or of all fingers and both thumbs	100%
Loss of or permanent total loss of use of hand at wrist	100%
Loss of or permanent total loss of use of arm	at shoulder	100%
	between shoulder and elbow	100%
	at elbow	100%
	between elbow and wrist	100%
Loss of or permanent total loss of use of leg	at hip	100%
	between knee and hip	100%
	between knee and ankle	100%
Loss of or permanent total loss of use of four fingers and thumb of one hand	50%
Loss of or permanent total loss use of four fingers	40%
Loss of or permanent total loss of use of	both phalanges of a thumb	25%
Loss of or permanent total loss of use of	one phalanx of a thumb	10%
Loss of or permanent total loss of use of index finger	three phalanges	10%
	two phalanges	8%
	one phalanx	4%
Loss of or permanent total loss of use of middle finger	three phalanges	6%
	two phalanges	4%
	one phalanx	2%
Loss of or permanent total loss of use of ring finger	three phalanges	5%
	two phalanges	4%
	one phalanx	2%
Loss of or permanent total loss of use of little finger	three phalanges	4%
	two phalanges	3%
	one phalanx	2%
Loss of or permanent total loss of use of metacarpals	first or second (additional)	3%
Loss of or permanent total loss of use of metacarpals	third, fourth or fifth (additional)	2%
Loss of or permanent total loss of use of toes	all	15%
	great, both phalanges	5%
	great, one phalanx	2%
	other than great, if more than one toe lost each	1%

Note: The total of benefits payable throughout the entire policy term shall not exceed 100% of PA Protector principal sum assured.

Optional Add-On PA Rider

PA Medicare

1. MEDICAL EXPENSE & MEDICAL REPORT FEE	Reimburses reasonable and customary and medically necessary expenses including medical report fee incurred within 365 days from the date of the accident up to PA Medicare sum assured per accident.
2. PHYSICIAN EXPENSES	Reimburses reasonable and customary and medically necessary expenses incurred up to 10% of PA Medicare sum assured or RM600; whichever is lower to cover treatment by acupuncturist, bonesetter, chiropractor, osteopath practitioner and/or physiotherapist within 90 days from the date of accident provided that the first consultation by registered medical practitioner.
3. AMBULANCE FEE	Reimburse up to RM500 for each accident.

Note: PA Medicare can only be added if PA Protector is attached to a basic policy. Pre-existing condition or illness is not covered.

Glossary

Public Conveyance
A mode of licensed transport available to the general public that serves to carry its fare paying passengers from one place to another on scheduled trips over established routes as its primary purpose. Public conveyance shall include any public bus, taxi, airport limousine, train, monorail, commercial aircraft and ferry. This definition does not include private flights and cruise liners as well as other vehicles used for leisure and entertainment.

Elevator Car
Vertical transport vehicle powered by electric motor that moves people or goods between floors of a building.

Public Building
A building or a defined or enclosed place used or constructed or adapted to be used either ordinarily or occasionally as a church, chapel, mosque, temple or other place where public worship is or religious ceremonies are performed, not being merely a dwelling-house so used, or as a cinema, public hall, public concert room, public ballroom, public lecture room, or public exhibition room, terminus, or shopping arcade, or as a public place of assembly for persons admitted by ticket or otherwise, or used or constructed or adapted to be used ordinarily or occasionally for any other public purpose.

PLAN ADD-ON	MINIMUM ENTRY AGE	MAXIMUM ENTRY AGE	MAXIMUM COVERAGE AGE
PA Protector	14 days	60 years	70 years
PA Medicare	14 days	60 years	70 years

Important Notes

For further details on terms and conditions, please refer to the product disclosure sheet, sales illustration and policy documents. You may get in touch with us so we can discuss these details with you.
PA Protector and PA medicare are unit-deducting add-ons riders attachable to regular premium investment-linked insurance plans. The insurance charges are collected throughout the coverage term on monthly basis through unit-deduction, depending on occupational class and substandard loading, if applicable.
The insurance charges are not guaranteed. The company reserves the right to revise the insurance charges at policy anniversary.
You should be certain that this plan meets your needs and that the premium payable under the policy is an amount you an afford.
The funds may be invested in Syariah-compliant securities and the product is not designed pursuant to Syariah principles.
The rider coverage term is up to Life Assured's age 70 or maturity of basic plan, whichever earlier.