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An Accident Should Not Cause Financial Uncertainties
An Accident Should Not Cause Financial Uncertainties
Accidents are unpredictable and may take You by surprise. A serious accident may even disrupt Your financial planning
and increase Your financial burden. Minimise the possibility of that risk through Allianz Life personal accident riders
which offer all-inclusive protection for accidental death, disability, medical expenses and weekly income benefit.
Basic Rider
PACover
Up to 100% payment of PACover sum assured in the event of Total & Permanent Disability (TPD) or Partial & Permanent Disability
(PPD) due to accident
100% lump sum payment in the event of Accidental Death
24 hours worldwide coverage
2 times benefit payable if the injuries are sustained while traveling as a passenger in or on any mechanically propelled, non-aerial,
public transportation routes on regular passenger services; as a passenger in a passenger lift (elevators in mines excluded);
or as consequence of the burning of any theatres, hotels or other public buildings in which the life assured was present at the
commencement of the burning
* Subject to a
maximum of
RM3500 per life and
underwriting decision
**The maximum
period payable for
both Temporary
Total Disability &
Temporary Partial
Disability combined
is 104 weeks per
accident
Optional Riders
1. Weekly Indemnity
Weekly income supplement in the event the life assured is unable to work for at least one week consecutively due to temporary
disability caused by an accident
For Temporary Total Disability, 100% of weekly indemnity benefit* chosen by You is payable
For Temporary Partial Disability, the weekly amount payable** is 50% of the benefit payable under Temporary Total Disability
2. Medical Reimbursement
Up to RM15,000 reimbursement of actual medical expenses incurred if the injury was caused by an accident
2 times benefit payable (subject to the actual medical expenses limit) if the injuries are sustained while traveling as a passenger in or
on any mechanically propelled, non-aerial, public transportation routes on regular passenger services; as a passenger in a passenger
lift (elevators in mines excluded); or as consequence of the burning of any theatres, hotels or other public buildings in which the life
assured was present at the commencement of the burning
Note: Optional Riders can only be purchased provided that PACover is attached to the basic Policy
Kemalangan tidak boleh dijangka dan mungkin akan mengejutkan Anda sekiranya berlaku. Satu kemalangan parah
mungkin menjejaskan perancangan kewangan dan menambahkan beban kewangan Anda. Kurangkan kemungkinan
risiko itu dengan pelan-pelan tambahan kemalangan Allianz Life yang menawarkan perlindungan semua-dalam-satu
untuk kematian akibat kemalangan, hilang upaya, perbelanjaan perubatan dan faedah pendapatan mingguan.
Pelan Tambahan Asas
PACover
Pampasan hingga 100% daripada nilai yang diinsuranskan untuk PACover sekiranya berlaku Hilang Upaya Menyeluruh & Kekal (TPD)
atau Hilang Upaya Separa & Kekal (PPD) akibat kemalangan
Pembayaran sekaligus 100% sekiranya berlaku Kematian Kemalangan
Perlindungan 24 jam di seluruh dunia
Pembayaran faedah perlindungan dua kali ganda untuk kecederaan yang dialami sewaktu dalam perjalanan sebagai penumpang
dalam sebarang kenderaan mekanikal, bukan udara, dan pengangkutan awam yang menawarkan perkhidmatan penumpang tetap;
sebagai penumpang dalam lif penumpang (lif dalam lombong dikecualikan); atau akibat kebakaran di mana-mana teater, hotel atau
bangunan awam yang Orang yang Diinsuranskan berada ketika bermulanya kebakaran
1. Pampasan Mingguan
**Tempoh pembayaran
maksimum untuk
gabungan keduadua kes Hilang
Upaya Menyeluruh
Sementara dan
Hilang Upaya Separa
Sementara adalah
104 minggu untuk
setiap kemalangan
Untuk Hilang Upaya Separa Sementara, jumlah mingguan yang dibayar** adalah 50% daripada faedah yang akan dibayar untuk
Hilang Upaya Menyeluruh Sementara
Penambahan pendapatan mingguan sekiranya Orang yang Diinsuranskan tidak dapat bekerja secara berturutan untuk sekurangkurangnya satu minggu kerana hilang upaya sementara akibat kemalangan
Untuk Hilang Upaya Menyeluruh Sementara, 100% daripada faedah pendapatan mingguan* yang dipilih oleh Orang yang
Diinsuranskan akan dibayar
Allianz
PACover
(TPD)(PPD)100% PACover
100%
24
()
*
RM3500
1.
*100%
**
104
**50%
2.
RM15,000
()
()
: PACover
Description of Disablement /
Deskripsi Hilang Upaya /
Item 1 (Occurring within 90 days of Bodily Injury) / Perkara 1 (Dalam tempoh 90 hari berikutan Kecederaan) /
(90)
100
Item 2 (Total and Permanent Disability - Occurring within 90 days of Bodily Injury) / Perkara 2 (Hilang Upaya Menyeluruh & Kekal Dalam tempoh 90 hari berikutan Kecederaan) / ( - 90)
Loss of both hands / Kehilangan kedua-dua belah
tangan /
Loss of both feet / Kehilangan kedua-dua belah kaki
/
Complete and irrecoverable loss of sight in both eyes
/ Kehilangan penglihatan sepenuhnya dan tidak dapat
dipulihkan untuk kedua-dua belah mata /
100
100
100
100
100
100
100
Item 3 (Other Permanent Disablement) / Perkara 3 (Hilang Upaya Kekal Yang Lain) / ()
Loss of arm at shoulder / Kehilangan lengan di bahu /
()
100
100
100
100
()
100
()
100
100
100
100
50
()
50
50
both ears / kedua-dua belah telinga /
- 75
- 25
50
40
both phalanges / dua tulang jari /
- 25
three phalanges /
tiga tulang jari /
three phalanges /
tiga tulang jari /
- 10
- 6
one phalanx /
satu tulang jari /
one phalanx /
satu tulang jari /
- 8
- 4
- 4
- 2
three phalanges /
tiga tulang jari /
one phalanx /
satu tulang jari /
one phalanx /
satu tulang jari /
- 4
- 5
three phalanges /
tiga tulang jari /
- 4
- 3
- 2
- 2
all /semua / - 15
() - 3
Cost of insurance
The cost of insurance for PACover and the Optional Riders are levied
through deduction of units from the Policy Owners investment
account of Your policy. The amount to be deducted will depend
on the amount and type of insurance cover chosen, as well as
other factors such as age, sex, smoker status, etc. The current cost
of insurance charged for PACover and the Optional Riders are
illustrated in the sales illustration and You may request a copy from
Your servicing agent.
Kos insurans
Kos insurans untuk PACover dan Pelan-pelan Tambahan Pilihan
dibiayai melalui pembatalan unit daripada akaun pelaburan Polisi
() - 2
- 1
PACover
PACover
(PDS)
(SI)PDSSI
PACover
(3)
(15)
((GST))
Updated 03/14
AZ03/14