Personal Sentinel V3 Plus Takaful (PSV3+ Takaful)

Name: Personal Sentinel V3 Plus Takaful
Brand: Zurich Malaysia
SKU: Personal Sentinel V3 Plus Takaful
Rating: 3.6 (142 reviews)

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 covered increment for Accidental Death, Accidental Permanent Disablement and Double Indemnity benefits when you continuously renew your certificate and the certificate has not been lapsed in any one given year.

Accidental Medical Expenses Coverage

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 V3 PLus Takaful offers 7 different plans to suit you, your family, and your employees:

BENEFIT	DESCRIPTION	PLAN 1 (RM)	PLAN 2 (RM)	PLAN 3 (RM)	PLAN 4 (RM)	PLAN 5 (RM)	PLAN 6 (RM)	PLAN 7 (RM)
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 (no hospitalisation required)	RM50 per visit, up to a maximum of RM500					RM50 per visit, up to a maximum of RM1000
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 Covered
H	Death due to Dengue Fever, Malaria or Japanese Encephalitis	10% of Principal Sum Covered
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 Covered
O	Permanent Impotency or Infertility	10% of Principal Sum Covered
P	Personal Liability	2 times of Principal Sum Covered
Q	Loss of Personal Effects due to Snatch Theft	500
R	Renewal Bonus	15% per year on Principal Sum Covered, up to a maximum of 150%
S	Referral Emergency Assistance Programme	Up to USD1,000,000

Notes:

Please refer to the certificate wording for the full benefits, terms and conditions under this product.
Duration of the coverage is for one (1) year. You will need to renew your takaful coverage annually.
A Person Covered must be at least thirty (30) days old to seventy (70) years old, and renewable up to eighty (80) years old. All ages refer to the age at the Person Covered's next birthday.
Person Covered must be a Malaysian, or foreigner who has a valid work permit, student permit, permanent resident status or Malaysia My Second Home (MM2H) status.

Personal Sentinel Version 3 Plus Takaful is available for Malaysians or foreigners with a valid permit aged from 30 days old to 70 years old, renewable up to 80 years old (age next birthday).

What is Personal Sentinel Version 3 Plus Takaful?

Personal Sentinel Version 3 Plus Takaful is a yearly renewable personal accident takaful from Zurich Malaysia that provides compensation in the event of bodily injuries, disablement or death caused solely and directly by an unforeseen event.

Can I subscribe Personal Sentinel Version 3 Plus Takaful for my employees?

Yes, you can subscribe Personal Sentinel Version 3 Plus Takaful for your employees as a group certificate under your company’s name. There is no limitation to the group size and the contribution is the same as an individual certificate.

Can I subscribe Personal Sentinel Version 3 Plus Takaful for my whole family?

Yes, you can subscribe Personal Sentinel Version 3 Plus Takaful for your family members, regardless of the number of members. The certificate will be issued as a group family certificate. However, the contribution will be charged individually.

What is renewal bonus?

Renewal bonus increases your certificate's Principal Sum Covered by 15% annually up to a maximum of 150% with the condition that you continuously renew your certificate and the certificate has not been lapsed in any one given year.

What is Group Personal Accident Takaful?

A group personal accident takaful is a plan that provides coverage to a group of individuals against bodily injuries, disablement, or death caused by an accident or any unforeseen event. You can opt for such a plan if you run a business or social organization that has a workforce, and even for your family. You can opt for a flexible coverage term according to your requirements and even add extra options to get maximum benefits.

What is Family Accident Takaful?

A family accident takaful, also known as a group personal accident coverage, is a Shariah-compliant plan that you can contribute to for your whole family. The certificate will be issued as a group family certificate. Under this plan, you and your family will be provided High Accidental Permanent Disablement and Death Benefit, Accidental Medical Expenses Coverage, Double Indemnity, and more.

Is Group Personal Accident Takaful a good idea?

Yes, contributing to a group personal takaful is a wise choice because you can subscribe to it for your employees as a group under your company’s name. You can even contribute to it as a group family certificate. As a result, whosoever is covered in the plan will be eligible to get all the benefits. You can even customize the plans as per your needs.