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Max Personal Accident Insurance
- Additional coverage without additional premium
- Special discounted premiem for one household policy
- Cashless hospital admission and discharge benefits up to RM3,000
Preferred Personal Accident Insurance
- Full payout of sum insured to loved ones
- Temporary and permanent disablement benefits
- Worldwide coverage for personal accidents anywhere in the world
POS 1Malaysia Family Personal Insurance
POS 1Malaysia Insurance
- Don’t be the one. Protect yourself against uncertainties with RHB POS 1Malaysia Insurance.
POS Auto Ikthiar
- Cover yourself from the loss of use of your private car arising from a motor accident or theft.
POS Maid Protector
- Round-the-clock protection for your maid and peace-of-mind for you and your family.
POS Motor Shield PA
- This plan provides you and your passengers coverage while you are on the road.
Cash Back Personal Accident Insurance
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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)
|
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
|
25,000 | 25,000 | 25,000 | 25,000 | 25,000 | 25,000 | ||
|
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) | ||||||||
|
50 | 100 | 250 | 500 | 500 | 500 | ||
|
25 | 50 | 125 | 250 | 250 | 250 | ||
| Weekly Benefit (Class 3) | ||||||||
|
25 | 50 | 75 | N/A | ||||
|
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 |
|
|||||||
Eligibility
Individual who aged between thirty (30) days to eighty (80) years, both ages inclusive and is renewable up to hundred (100) years old.
Policy Wordings
Product Disclosure Sheet
Proposal Form
Brochure
Additional Sheet
Preferred Personal Accident Insurance
Benefits
-
Death Benefit Due To Accident
We will pay a lump sum payment to your loved ones to carry on their financial burden. -
Temporary And Permanent Disablement Benefits
Should an accident occur resulting in a temporary and permanent disablement, we will pay you as per limit selected based on the schedule of Permanent Disablement scale of Benefits. -
Coverage Of Medical Expenses
Reimbursement of your medical and surgical expenses, up to the specified limit selected. -
Special Benefits
A lump sum allowance of RM2,000 will be paid out to cover the costs of the Funeral, Burial or Cremation of the Insured Person and reimbursement of ambulance fees up to RM500 per accident. -
Extended Cover
You can upgrade your coverage for any Motorcycling and / or Hunting activities at an additional premium.
Eligibility
Individuals aged between eighteen (18) and sixty (60) years, both ages inclusive and renewable up to seventy (70) years old.
Policy Wordings
Product Disclosure Sheet
Proposal Form
POS 1Malaysia Family Personal Insurance
Benefits
Benefits of this insurance include:
-
Accidental Death & 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 the Schedule of Permanent Disablement scale of Benefits. -
Hospital Cash Income (Due to accident and dengue fever)
In the event of accident or dengue fever, we will pay a one-day hospital cash income for admission at least 12 hours for accident and 24 hours for dengue fever, limited to only 1 event per period of insurance. -
Bereavement Allowance (Due to accident)
We will pay a lump sum payment in the event of accidental death. -
Double Indemnity
We will double up the death benefit in the event of accidental death whilst travelling as a fare paying passenger in public transportation or travelling back to hometown during the 4 main festive season. -
Repatriation Expenses
We will pay a lump sum payment of RM500 in the event of accidental death while travelling outside home country.
Eligibility
Individuals/Spouse aged between eighteen (18) and sixty (60) years old, both ages inclusive and renewable up to sixty five (65) years old.
Children unmarried and aged must be between thirty (30) days to eighteen (18) years (both ages inclusive) or up to 23 years, if he/she is studying full time in a recognized institution of higher learning.
Table of Benefits
| Plan (RM) | ||||
|---|---|---|---|---|
| Benefits | Myself & Spouse | Myself & Children | Myself, Spouse & Children | |
| 1 | Accidental Death / Permanent Disablement | Myself : 5,000 Spouse : 5,000 |
Myself : 5,000 Each child : 2,000 |
Myself : 5,000 Spouse : 5,000 Each child : 2,000 |
| 2 | Hospital Cash Income | Myself & Spouse : RM30 per day up to 30 days Each Child : RM15 per day up to 30 days |
||
| 3 | Bereavement Allowance | Myself & Spouse : RM1,000 Each Child : RM500 each |
||
| 4 | Double Indemnity during Festive Season or Public Transport | Yes | ||
| 5 | Prostheses or Wheelchair (up to) | 200 each Insured | 200 each Insured | 200 each Insured |
| 6 | Repatriation Expenses (due to accident) | 500 each Insured | 500 each Insured | 500 each Insured |
Table of Premium
| Plan | Annual Premium (RM) |
|---|---|
| Myself and spouse | 25 |
| Myself and children | 35 |
| Myself, spouse and children | 40 |
* Premiums shown are subject to 6% service tax and please take note that no stamp duty shall be charged.
Policy Wordings
Product Disclosure Sheet
Note: This product is selling through POS office Malaysia nationwide
POS 1Malaysia Insurance
Benefits
-
Accidental Death
We will pay a lump sum payment to your loved ones to carry on their financial burden in the event of an accidental death. -
Permanent Disablement
Should an accident occur resulting in permanent disablement, we will pay a lump sum payment to you. -
Hospital Cash Income (Due to accident)
In the event of accident, we will pay a hospital cash income of RM15 per day, up to 30 days. -
Loss of Documents due to Snatch Theft
We will pay you up to RM200 per occurrence, limit to MyKad and driving license only. -
Ambulance Fee
In the event of accident, we will reimburse the ambulance fee of up to RM300 per occurrence.
Eligibility
Individuals aged between eighteen (18) and sixty (60) years, both ages inclusive and renewable up to sixty five (65) years.
Table of Benefits
| Benefits | Limit (RM) | |
|---|---|---|
| 1 | Accidental Death | RM5,000 |
| 2 | Permanent Disablement (due to accident) | RM5,000 |
| 3 | Hospital Cash Income (due to accident) | RM15 per day up to 30 days |
| 4 | Loss of Documents due to Snatch Theft (MyKad and/or Driving License only) | Up to RM200 per occurrence |
| 5 | Ambulance Fee (due to accident) | Up to RM300 per occurrence |
Table of Premium
- RM11.00* per year
* Premium shown is subject to 6% service tax and please take note that no stamp duty shall be charged.
Policy Wordings
Product Disclosure Sheet
Note: This product is selling through POS office Malaysia nationwide
POS Auto Ikthiar
Benefits
-
Accidental Death or Permanent Disablement
We will pay a full payout for your loved ones within 180 days after the occurrence of the accident. -
Loss of use
We pay for loss of use of your private car arising from a motor accident, theft -
Accommodation expenses
We will reimburse the accommodation expenses incurred due to motor accident or theft
Eligibility
Private car owners aged between eighteen (18) and seventy five (75) years with valid driving license. Private car not more than 12 years and insured under a motor comprehensive cover insurance policy and limited to one car per policy.
Table of Benefits
| BENEFITS | PLAN | |
|---|---|---|
| GOLD | DIAMOND | |
| Personal Accident Benefit | ||
|
RM16,500 | RM17,000 |
| Loss of Use Benefit | ||
|
RM 200 | RM 400 |
|
RM 500 | RM 1,000 |
|
Up to RM 100 | |
*Lump sum amount
Table of Premium
| PLAN | ||
|---|---|---|
| GOLD | DIAMOND | |
| Annual Premium | RM45 | RM90 |
* Premiums shown are subject to 6% service tax and please take note that no stamp duty shall be charged.
Policy Wordings
Product Disclosure Sheet
Note: This product is selling through POS office Malaysia nationwide
POS Maid Protector
Benefits
-
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. -
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. -
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.
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.
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.
Table of Premium
| 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 6% service tax. Please note that RM10 stamp duty shall be charged.
Policy Wordings
Product Disclosure Sheet
Note: This product is selling through POS office Malaysia nationwide
POS Motor Shield PA
Benefits
-
Accidental Death
We will pay a full payout for your loved ones to carry on their financial burden in the event of an accidental death. -
Permanent Disablement
Should an accident occur resulting in permanent disablement, we will pay according to the limit as per plan selected and based on the schedule of Permanent Disablement scale of Benefits. -
Medical Expenses
We will reimburse the medical costs incurred during your hospital stay for your recovery arising from accident.
Eligibility
Individuals aged between one (1) years and seventy (70) years, both ages inclusive.
Table of Benefits
| Benefits | Plan | ||
|---|---|---|---|
| Private Car | Motorcycle | ||
| 1 | Accidental Death | RM 14,000 | RM 6,500 |
| 2 | Permanent Disablement due to Accident | ||
|
RM 14,000 | RM 6,500 | |
|
RM 14,000 | RM 6,500 | |
|
RM 7,000 | RM 2,500 | |
| 3 | Medical Expenses | RM 200 | RM 100 |
Table of Premium
| Benefits | Plan | |
|---|---|---|
| Private Car | Motorcycle | |
| Annual Premium | RM 18 | |
* Premium shown is subject to 6% service tax and please take note that no stamp duty shall be charged.
Policy Wordings
Product Disclosure Sheet
Note: This product is selling through POS office Malaysia nationwide
Cash Back Personal Accident Insurance
No Claim Premium Fund
You will receive up to 25% total premium refund for every 3 consecutive years with no claims made in between.
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 :
|
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.
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
Other benefits
- Riot Strike Civil Commotion
- Motorcycling
- Disappearance – after 1 year where body of Insured could not be recovered; ie: plane-crash)
- Insect, Snake And / Or Animal Bites – Including diseases (ie: Dengue Fever, Malaria)
- Accidental Gas Inhalation, Drowning, Food Poisoning And Intoxication
- Accidental Suffocation Through Smoke and Fumes
- Exposure to Elements
- Hunting
Major exclusions
This insurance does not cover death, permanent disablement, bodily injury, any hospitalisation caused indirectly or directly/wholly or partly by any one of the following occurrences:
| a. | War, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, martial law, military or usurped power. |
| b. | Suicide or attempted suicide, self-inflicted injuries, self-destruction or any attempted threat while sane or insane. |
| c. | While participating in any professional sports. |
| d. | While committing or attempting to commit any unlawful act. |
| e. | Childbirth, miscarriage, pregnancy or any complications thereof. |
| f. | Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) however this syndrome has been acquired or may be named. |
Note: This is non-exhaustive. Please refer to policy wording for full details.
Policy Wordings
Product Disclosure Sheet