Personal Sentinel V3 Plus Takaful (PSV3+ Takaful)
Essential Group Accidental Protection Plan
No matter how carefully you drive, follow traffic rules, try your best to avoid mishaps, accidents and unforeseen events can occur and disrupt the usual track of life. During such circumstances, it is extremely crucial that you have financial resources that can let you get all the necessary help at the right time.
The Personal Sentinel Version 3 Plus Takaful, is a Shariah-compliant group personal accident coverage, can provide you with monetary help if you fall a victim to such unforeseen events. This yearly renewable personal accident takaful provides compensation in the event of bodily injuries, disablement or death caused solely and directly by an unforeseen event. From individual protection to group coverage, our superior takaful plan would be able to help safeguard your financial stability and protect your loved ones. You can even customize the coverage to align the options with your requirements.
Personal Sentinel V3 Plus Takaful Product coverage and benefits
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
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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 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.
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 Takaful Malaysia's website or PIDM's website.