Personal Sentinel V3 Plus
Essential Protection for Your Loved Ones
Personal Sentinel Version 3 Plus is a yearly renewable personal accident insurance that provides compensation in the event of bodily injuries, disablement or death caused solely and directly by an unforeseen event.
High Accidental Permanent Disablement and Death Benefit up to RM1,000,000
Your sum insured as stated in your policy schedule will be paid in the unfortunate event of death or permanent disablement due to accidental injury.
Double Indemnity up to RM2,000,000
Extra protection which pays double of your sum insured for accidental death while travelling on a public transportation, e-hailing vehicle as a fare paying passenger, paralyze or death due to fire at own residence.
Optional Weekly Benefit up to RM500
Ease your financial burden with weekly compensation in the unfortunate events of temporary and permanent total disablement up to a maximum of 52 weeks.
Daily Hospital Income up to RM250
Supplement you with daily cash allowance of up to RM250 while you are hospitalised.
Emergency Cash up to RM5,000
Your loved ones will provided with immediate cash aid of upon your demise after submitting documents required.
Kidnap Benefit
In the event of a kidnap, a lump sum of RM5,000 will be paid to your loved ones to pay off expenses such as hiring private investigator to locate you. A reward of RM25,000 will also be provided to informant that leads to recovering you, provided that you are alive at the time of recovery.
Personal Liability Coverage up to RM2,000,000
Indemnify you if you are legally liable to pay any third party as a result of accidental bodily injury or damage to claimant properties.
Snatch Theft Coverage up to RM500
Snatch theft can happen anywhere, regardless or day or night. Fret not! Your loss will be reimbursed should you lose your personal belongings as a result of snatch theft.
Renewal Bonus up to 150%
Enjoy annual 15% principal sum insured increment for Accidental Death, Accidental Permanent Disablement and Double Indemnity benefits when you continuously renew your policy and the policy has not been lapsed in any one given year.
Accidental Medical Expenses Coverage
Your sum insured as stated in your policy schedule will be paid in the unfortunate event of death or permanent disablement due to accidental injury
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This benefit will reimburse you for any injuries that arise due to an accident. It covers your hospital room and board, clinical, outpatient, surgical treatment. Here are some of the key coverages:
- Cashless Hospital Admission up to annual limit up to RM15,000
- Traditional Treatment of RM50 per visit up to a maximum of RM1,000 to treat your injury. Best of all, no hospitalisation is required to entitle for this benefit.
- Medical and Post-mortem Report Fees up to RM150 to reimburse the cost to obtain these reports for claim processing
- Ambulance Fees up to RM500
- Reimburse your Hospitalisation Expenses for Dengue Fever, Malaria and Japanese Encephalitis up to RM15,000
Personal Sentinel Version 3 Plus is available in 7 plans, it offers you the flexibility to customise your coverage to suit your needs.
| BENEFIT | DESCRIPTION |
PLAN 1 |
PLAN 2 |
PLAN 3 |
PLAN 4 |
PLAN 5 |
PLAN 6 |
PLAN 7 |
| A | Accidental Death | 50,000 | 100,000 | 200,000 | 300,000 | 500,000 | 750,000 | 1,000,000 |
| B | Accidental Permanent Disablement | 50,000 | 100,000 | 200,000 | 300,000 | 500,000 | 750,000 | 1,000,000 |
| C |
Double Indemnity *Accidental Death on public conveyance *Accidental Death on Grab and e-hailing services *Total Paralysis or Quadriplegia due to accident *Accidental Death due to fire at own residence
|
50,000 | 100,000 | 200,000 | 300,000 | 500,000 | 750,000 | 1,000,000 |
| D | Accidental Medical Expenses | 5,000 | 6,000 | 6,500 | 7,500 | 10,000 | 12,000 | 15,000 |
| D1 |
*Medical and Post-mortem Report Fees |
150 | ||||||
| D2 |
*Traditional Treatment |
RM50 per visit, up to a maximum of 500 | RM50 per visit, up to a maximum of 1,000 | |||||
| D3 | *Dengue Fever, Malaria or Japanese Encephalitis | 5,000 | 6,000 | 6,500 | 7,500 | 10,000 | 12,000 | 15,000 |
| D4 |
*Ambulance Fees |
500 | ||||||
| D5 | *Cashless Hospital Admission | 5,000 | 6,000 | 6,500 | 7,500 | 10,000 | 12,000 | 15,000 |
| E | Weekly Benefit (optional) | |||||||
| E1 | *Temporary Total Disablement | 50 | 100 | 120 | 150 | 250 | 350 | 500 |
| E2 | *Temporary Partial Disablement | 25 | 50 | 60 | 75 | 125 | 175 | 250 |
| F | Daily Hospital Income | 90 | 90 | 90 | 120 | 180 | 200 | 250 |
| G | Death due to Zika or Chikungunya | 10% of Principal Sum Insured | ||||||
| H | Death due to Dengue, Malaria, Japanese Encephalitis | 10% of Principal Sum Insured | ||||||
| I | Emergency Cash | 5,000 | ||||||
| J | Prosthesis / Wheelchair - Permanent Total Disablement | 2,500 | ||||||
| K | Prosthesis / Wheelchair - Partial Disablement | 250 | ||||||
| L | Dental Correction or Corrective Cosmetic Surgery | 5,000 | ||||||
| M | Kidnap Benefits | 5,000 for expenses and 25,000 for reward | ||||||
| N | Blood Transfusion | 10% of Principal Sum Insured | ||||||
| O | Permanent Impotency or Infertility | 10% of Principal Sum Insured | ||||||
| P | Personal Liability | 2 times of Principal Sum Insured | ||||||
| Q | Loss of Personal Effects due to Snatch Theft | 500 | ||||||
| R | Renewal Bonus | 15% per year on Principal Sum Insured, up to a maximum of 150% | ||||||
| S | Referral Emergency Assistance Programme | Up to USD1,000,000 | ||||||
Locate Your Nearest Zurich Branch
The benefit(s) payable under this product is (are) protected by PIDM up to limits. For more information, please refer to PIDM's Takaful and Insurance Benefits Protection System brochure on Zurich General Insurance Malaysia's website or PIDM's website.