Additional coverage without additional premium
Special discounted premium for one household policy
Cashless hospital admission and discharge benefits up to RM3,000
Accidental death or permanent disablement
Reimbursement of medical expenses
Reimbursement of Hospital and surgical expenses
Payout for accidental death or permanent disablement
Reimbursement of medical expenses
Receive daily hospital cash income due to accident
BENEFIT |
Plan (RM) |
|||||||
A |
B |
C |
D |
E |
F |
|||
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 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) |
|
|
|
|
|
|
||
|
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 |
|
Individual who aged between thirty (30) days to eighty (80) years, both ages inclusive and is renewable up to hundred (100) years old.
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 |
116.98 |
311.32 |
538.68 |
750.94 |
966.98 |
Self & Spouse |
210.38 |
300.94 |
559.43 |
969.81 |
1,359.89 |
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 |
615.07 |
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.
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.
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.
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.
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.
Accidental Death or Permanent Disablement
We will pay a full payout for your loved ones within 180 days after the occurrence of the accident.
Medical Expenses
Reimbursement of your expenses including sinseh treatment, ambulance fee up a 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.
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.
No Claim Premium Fund
Get 25% total premium refund for every 3 consecutive years, provided no claims is made.
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.
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.
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.
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
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.
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