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Max Personal Accident Insurance
Personal Accident Insurance - Maximum Coverage | RHB Malaysia
  • Additional coverage without additional premium
  • Special discounted premium for one household policy
  • Cashless hospital admission and discharge benefits up to RM3,000
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Maid Protector
Personal Accident Insurance - For Your Wife | RHB Malaysia
  • Accidental death or permanent disablement
  • Reimbursement of medical expenses
  • Reimbursement of Hospital and surgical expenses
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Cash Back Personal Accident Insurance
Personal Accident Insurance - Cash Back | RHB Malaysia
  • Payout for accidental death or permanent disablement
  • Reimbursement of medical expenses
  • Receive daily hospital cash income due to accident
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Disclaimer
The information above is just a summary of this product. For more information on precise terms, exclusions and conditions, you may read the policy wordings, product disclosure sheet and brochure or you may send in your enquiry.

Max Personal Accident Insurance
Benefits
1.  Extra coverage for the price of one
You can enjoy additional coverage without having to pay an additional premium for extreme activities such as hunting, mountaineering and bungee jumping.
2.  Lifelong coverage
You can buy this plan up to 80 years old and you may renew up to 100 years old.
3.  Family Cover
By making your spouse and children part of the plan, they can enjoy a special discounted premium under one household policy.
4.  Enter and exit with ease
This plan provides cashless hospital admission and discharge benefits covering, up to RM3,000 for your convenience in getting in and out of the hospital; applies to accident only.
5.  Mosquito-borne diseases
This plan provides medical covers diseases such as Dengue, Malaria, Japanese Encephalitis (JE), Avian Flu and Zika Virus.
Table of Benefits
BENEFIT Plan (RM)
A B C D E F
SECTION 1 : PERSONAL ACCIDENTS
Accidental Death 50,000 100,000 250,000 500,000 750,000 1,000,000
Permanent Disablement 50,000 100,000 250,000 500,000 750,000 1,000,000
Double Indemnity 100,000 200,000 500,000 1,000,000 1,500,000 2,000,000
Coma Due To Accident 50,000 100,000 250,000 500,000 750,000 1,000,000
Funeral Allowance 5,000 5,000 5,000 5,000 5,000 5,000
Bereavement Allowance 5,000 10,000 25,000 50,000 75,000 100,000
Repatriation Of Mortal Remains 5,000 5,000 5,000 5,000 5,000 5,000
SECTION 2 : MEDICAL AND OTHER EXPENSES

Medical Expenses (Per disability)

  • Extended to cover Dengue, Malaria, JE, Avian Flu or Zika Virus
  • Traditional Treatment (RM50 per visit up to RM500 per disability)
 3,500 4,500 6,500 8,500 9,000 10,000
Cashless Hospital Admission & Discharge Facility (subject to overall Medical Expenses limit) 3,000 3,000 3,000 3,000 3,000 3,000
Daily Hospital Cash Income (Up to 180 days) 80 80 105 180 205 230
Daily Hospital Cash Income Whilst Overseas (Up to 90 days) 160 160 210 360 410 460
Medical Expenses for Miscarriage Due to Motor Vehicle Accident 1,000 1,000 1,000 1,000 1,000 1,000
Ambulance Fees 1,000 1,000 1,000 1,000 1,000 1,000
Additional Hospital Allowance 500 500 500 500 500 500
Travel Allowance 1,000 1,000 1,000 1,000 1,000 1,000
Blood Transfusion (causing HIV) 5,000 10,000 25,000 50,000 75,000 100,000
Dental Correction and Corrective Cosmetic Surgery 5,000 5,000 5,000 5,000 5,000 5,000
Prostheses / Wheelchair Benefit 2,000 2,000 2,000 2,000 2,000 2,000
Home Nursing Care 3,500 3,500 3,500 3,500 3,500 3,500
Medical / Post Mortem Report 300 300 300 300 300 300
SECTION 3 : PERSONAL LIABILITY
Personal Liability 50,000 100,000 250,000 500,000 750,000 1,000,000
SECTION 4 : OTHER BENEFITS

Kidnap Benefit

a. Reward for information leading to recovery of Insured Person
25,000 25,000 25,000 25,000 25,000 25,000
b. Insured Person not recovered after one year from the day of kidnap
50,000 100,000 250,000 500,000 750,000 1,000,000
Snatch Theft 300 300 300 300 300 300
2nd or 3rd Degree Burns 5,000 5,000 5,000 5,000 5,000 5,000
No Claim Bonus 10% of Principal Sum Insured Each Year Up To Maximum 5 Years
SECTION 5 : OPTIONAL COVER
Weekly Benefit (Class 1 & 2)
  • Temporary Total Disablement (TTD)
 50 100 250 500 500 500
  • Temporary Partial Disablement (TPD)
 25 50 125 250 250 250
Weekly Benefit (Class 3)
  • Temporary Total Disablement (TTD)
 25 50 75 N/A
  • Temporary Partial Disablement (TPD)
 13 25 38 N/A
SECTION 6 : CHILDREN BENEFITS (EACH CHILD)
Children age over 30 days but under 19 years old who are unmarried and not gainfully employed
  • 100% for Ambulance Fees, Additional Hospital Allowance & Cashless Hospital Admission
  • 25% of all the other benefits
  • Principal Sum Insured for Accidental Death and Permanent Disablement for Plan E and F is up to RM150,000 only
Eligibility

Individual who aged between thirty (30) days to eighty (80) years, both ages inclusive and is renewable up to hundred (100) years old.

Premium Rates
Annual Premium

Age 30 days to 80 years old

Without Weekly Benefit

Occupation Classification Plan Plan (RM)
A B C D E F
Class 1 & 2 Individual 116.98 166.98 311.32 538.68 750.94 966.98
Self & Spouse 210.38 300.94 559.43 969.81 1,351.89 1,740.57
Class 3 Individual 169.81 246.23 462.26 N/A N/A N/A
Self & Spouse 304.72 442.45 831.13
Each Child 30.19 42.45 79.25 138.68 163.21 169.81
With Weekly Benefit
Occupation Classification Plan Plan (RM)
A B C D E F
Class 1 & 2 Individual 123.58 182.08 348.11 615.09 827.36 1,043.40
Self & Spouse 223.58 327.36 626.42 1,106.60 1,488.68 1,877.36
Class 3 Individual 173.58 257.55 478.30 N/A N/A N/A
Self & Spouse 312.26 464.15 860.38
Each Child 32.08 48.11 93.40 166.04 190.57 198.11

81 to 100 years old (Renewal only, subject to satisfactory health and underwriting approval)

Without Weekly Benefit

Occupation Classification Plan Plan (RM)
A B C D E F
Class 1 & 2 Individual 146.23 208.49 388.68 673.58 938.68 1,208.49
Self & Spouse 263.21 375.47 700.00 1,212.26 1,689.62 2,175.47
Each Child 30.19 42.45 79.25 138.68 163.21 169.81

Monthly Premium

Age 30 days to 80 years old

Without Weekly Benefit

Occupation Classification Plan Plan (RM)
A B C D E F
Class 1 & 2 Individual 10.28 14.62 27.17 47.17 65.75 84.62
Self & Spouse 18.40 26.32 48.96 84.91 118.30 152.26
Class 3 Individual 14.81 21.51 40.47 N/A N/A N/A
Self & Spouse 26.70 38.77 72.74
Each Child 2.64 3.68 6.89 12.17 14.25 14.91
With Weekly Benefit
Occupation Classification Plan Plan (RM)
A B C D E F
Class 1 & 2 Individual 10.85 15.94 30.47 53.77 72.36 91.23
Self & Spouse 19.53 28.68 54.81 96.89 130.28 164.25
Class 3 Individual 15.19 22.55 41.79 N/A N/A N/A
Self & Spouse 27.36 40.66 75.28
Each Child 2.83 4.25 8.11 14.53 16.70 17.36

81 to 100 years old (Renewal only, subject to satisfactory health and underwriting approval)

Without Weekly Benefit

Occupation Classification Plan Plan (RM)
A B C D E F
Class 1 & 2 Individual 12.83 18.30 34.06 58.96 82.17 105.75
Self & Spouse 23.02 32.92 61.23 106.13 147.83 190.38
Each Child 2.64 3.68 6.89 12.17 14.25 14.91

Premiums shown are subject to applicable tax as imposed by the relevant authorities at any time and from time to time. Please take note that RM10 of stamp duty shall be charged.

Note:

  • Children aged between 30 days to 19 years must follow the same plan as their parents.
  • Adults engaged in Class 3 occupation are eligible to enroll for Plan A, B & C only.
  • Adults aged above 81 years and are insured with RHB Insurance’s Max PA for more than 5 years with no claims made are eligible to renew plans without weekly benefi ts and double indemnity, subject to health declaration and underwriting approval.

Proposal Form
Brochure
Policy Wordings
Product Disclosure Sheet
Additional Sheet
Maid Protector
Benefits
1.  Accidental Death or Permanent Disablement
We will pay a full payout for your loved ones to carry on their financial burden in the event of an accidental death. Should an accident occur resulting in permanent disablement, we will pay according to the limit as per plan selected and based on table of Permanent Disablement scale of Benefits.
2.  Medical Expenses
We will reimburse the medical costs incurred during your hospital stay for your recovery arising from accident up to specified limit under the plan selected.
3.  Hospital and Surgical Expenses
We will reimburse for any inpatient expenses such as the cost of all medicines, drugs and the use of diagnostic equipment and subsequent post hospitalization treatment as a result of an accident.
Table of Benefits
BENEFITS Plan A (RM) Plan B (RM) Plan C (RM) Plan D (RM)
1 Accidental Death / Permanent Disablement * 10,000 15,000 20,000 30,000
2 Medical Expenses (due to accident) Up to 750 Up to 750 Up to 750 Up to 750
3 Hospital and Surgical Expenses (due to accident) Up to 2,000 Up to 2,500 Up to 3,000 Up to 3,500
4 Weekly Hospital Income Benefit (up to 10 weeks) 110 110 110 110
5 Repatriation Benefit Up to 3,500 Up to 3,500 Up to 3,500 Up to 3,500
6 Vicarious Liability Up to 2,000 Up to 2,000 Up to 2,000 Up to 2,000
7 Termination Expenses Benefit 250 250 250 250

*For Permanent Disablement, please refer to Scale of Benefit.

Eligibility

All foreign maids with good health and legally employed to engage in and restricted to private household activities only aged between eighteen (18) years and fifty (50) years, renewable up to fifty five (55) years.

Premium Rates
Period of Insurance Plan A (RM) Plan B (RM) Plan C (RM) Plan D (RM)
1 12 Months 50 60 70 85
2 24 Months 75 90 105 128

Premiums shown are subject to applicable tax as imposed by the relevant authorities at any time and from time to time. Please note that RM10 stamp duty shall be charged.

Proposal Form
Policy Wordings
Product Disclosure Sheet
Cash Back Personal Accident Insurance
Benefits
1.  Accidental Death or Permanent Disablement
We will pay a full payout for your loved ones within 180 days after the occurrence of the accident.
2.  Medical Expenses
Reimbursement of your expenses including sinseh treatment, ambulance fee up to a maximum of RM1000 per accident/ per disability, medical report fee, clinical treatment, physiotherapy, general nursing in the hospital. The details are specified in the policy contract.
3.  Hospital Cash Income (Due to accident)
In the event of accident, we will pay a hospital cash income of up to RM300 per day, up to 30 days.
4.  No Claim Premium Fund
Get 25% total premium refund for every 3 consecutive years, provided no claims is made.
5.  Rehabilitation/Recuperation allowance
In the event of hospitalisation after 1 week due to accident, we will pay you additional allowance according to the schedule of benefit.
Table of Benefits
Description of Benefits Plan 1 Plan 2 Plan 3
Accidental Death (lump sum payment) RM100,000 RM200,000 RM300,000
Permanent Disablement (due to accident), subject to Table of Benefit in the policy contract RM100,000 RM200,000 RM300,000
Medical Expenses (reimbursement basis) –
per accident / per disability basis,
part of the medical expenses are :
  • Ambulance fee up to a maximum of RM1,000
    per accident/ per disability
  • Cost of sinseh treatment up to a
    maximum of RM300 (limit to RM30 per visit per day)
    per accident/per disability
 RM5,000 RM10,000 RM15,000
Hospital Cash Income –
is limited to 30 days for any accident / disability arising
during the period of insurance		 RM100 RM200 RM300
Rehabilitation / Recuperation allowance
(after 1 week of hospitalization due to accident only)		 RM500 RM1,000 RM1,500
Personal Liability, up to the limit of the selected plan RM100,000 RM200,000 RM300,000
Bereavement/Repatriation Allowance RM1,000 RM2,000 RM3,000
Monthly Premium RM26.00 RM44.00 RM62.00

* Premiums shown are subject to 6% service tax. Please take note that RM10 of stamp duty shall be charged.

Premium Rates

Plan Plan 1 Plan 2 Plan 3
Monthly Premium (RM) 26 44 62

Premiums shown are subject to applicable tax as imposed by the relevant authorities at any time and from time to time. Please take note that RM10 of stamp duty shall be charged.

More Reasons to Enroll
  • 25% total Premium Refund for every 3 consecutive years (provided NO claims admitted to RHB Insurance Berhad)
  • No medical examination required
  • 24 hours protection and worldwide coverage
  • Benefits payable on top of your other insurance policies (except medical expenses which is on reimbursement basis)
  • Medical expenses including sinseh treatment, ambulance fee up to a maximum of RM1000 per accident/ per disability, medical report fee, clinical treatment, physiotherapy, general nursing in the hospital. The details are specified in the policy contract
  • Dengue Fever also be covered under medical expenses & hospital cash income (with the extended benefit * Insect, Snake And/ Or Animal Bites- including diseases). For INSECT BITE, it subjects to 30 days waiting period from the date of policy inception
Policy Wordings
Product Disclosure Sheet