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Max Personal Accident Insurance
- Additional coverage without additional premium
- Special discounted premium 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 Auto Ikthiar
- Full payout for accidental death or permanent disablement
- Loss of use of private car
- Reimbursement of accommodation expenses
Maid Protector
- Accidental death or permanent disablement
- Reimbursement of medical expenses
- Reimbursement of Hospital and surgical expenses
POS Motor Shield PA
- Payout for accidental death
- Permanent disablement
- Reimbursement of medical expenses
Cash Back Personal Accident Insurance
- 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)
|
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.
Premium Rates
With Weekly Benefit
With Weekly Benefit
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.
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 | |
| 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 | |
| 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 | |
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
Preferred Personal Accident Insurance
Benefits
| 1. |
Death Benefit Due To Accident
We will pay a lump sum payment to your loved ones to carry on their financial burden. |
| 2. |
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. |
| 3. |
Coverage Of Medical Expenses
Reimbursement of your medical and surgical expenses, up to the specified limit selected. |
| 4. |
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. |
| 5. |
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.
Premium Rates
Minimum premium = RM75
Premiums and rates 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.
| Coverage | Class 1 (RM) | Class 2 (RM) | Class 3 (RM) |
|---|---|---|---|
| Death (Occurring within 24 months of bodily injury) | 0.55 per 1,000.00 | 0.75 per 1,000.00 | 1.15 per 1,000.00 |
| Permanent Disablement (Occurring within 24 months of bodily injury) | 0.55 per 1,000.00 | 0.75 per 1,000.00 | 1.15 per 1,000.00 |
| Temporary Disablement (Total & Partial) | 25.00 per 100.00 | 32.50 per 100.00 | 45.00 per 100.00 |
Medical & Surgical Expenses
|
14.00 1.00 |
18.00 1.50 |
27.00 2.00 |
Extension
|
5% 15% |
10% 15% |
15% 15% |
Premiums and rates 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.
Proposal Form
Policy Wordings
Product Disclosure Sheet
POS Auto Ikthiar
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. |
Loss of use
We pay for loss of use of your private car arising from a motor accident, theft |
| 3. |
Accommodation expenses
We will reimburse the accommodation expenses incurred due to motor accident or theft |
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
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.
Premium Rates
| PLAN | ||
|---|---|---|
| GOLD | DIAMOND | |
| Annual Premium | RM45 | RM90 |
Premium shown is subject to applicable tax as imposed by the relevant authorities at any time and from time to time 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
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.
Policy Wordings
Product Disclosure Sheet
POS Motor Shield PA
Benefits
| 1. |
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. |
| 2. |
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. |
| 3. |
Medical Expenses
We will reimburse the medical costs incurred during your hospital stay for your recovery arising from accident. |
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 |
Eligibility
Individuals aged between one (1) years and seventy (70) years, both ages inclusive.
Premium Rates
| Benefits | Plan | |
|---|---|---|
| Private Car | Motorcycle | |
| Annual Premium | RM 18 | |
Premium shown is subject to applicable tax as imposed by the relevant authorities at any time and from time to time 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
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 :
|
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