Accidents are unexpected. Provision for your family shouldn’t be. A personal accident insurance cover designed to help loved ones weather through the unexpected in their moment of need.

What is it?

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Premier PA PartnerInsurance

tokiomarine.comLife & Health | Property & Casualty

Tokio MarineInsurans (Malaysia) Berhad

Cashless admission

Repatriation expenses

Bereavement allowance

PPA-EN092018

tokiomarine.com

29th Floor, Menara Dion, 27 Jalan Sultan Ismail, 50250Kuala Lumpur, MalaysiaT: (03) 2026 9808 / 2783 8383 F: (03) 2026 9708

Tokio Marine Insurans (Malaysia) Berhad (149520-U)

• 8 comprehensive insurance plans• 24 hours worldwide cover• Lowers financial burden

• Simple claim process• Renewal up to 80 years old• Lifestyle continuity

At a glanceMain Exclusions

• Death

• Permanent disablement

• Medical expenses for Dengue, Zika, Malaria, JE

• Dental correction & corrective cosmetic surgery

• Daily Hospital Cash

• Weekly Benefits (Optional)

• Ambulance Fees

• Bereavement Allowance (death due to Dengue, Zika, Malaria, JE)

• Blood Transfusion

• Cashless Hospital Admission Facility (due to accident)

• Coma

• Repatriation Expenses

• Travel Allowance

• Double Indemnity (not applicable to the additional cover for Death & Permanent benefits under Optional Cover)

• Funeral Expenses (Accidental Death)

• Kidnap Benefit

• Permanent Disablement to Genitalia

• Prostheses/Wheelchair

• Renewal Bonus

• Miscarriage due to Motor Vehicle Accident

• Snatch Theft

Benefits

Section 1: Personal Accident

• War and allied risks

• Suicide (whether sane or insane) or any attempt threat

• Illness, diseases, infections, acquired immune deficiency syndrome (AIDS), human immune deficiency virus (HIV) and/or HIV related illness. However the named diseases specifically mentioned under Medical Expenses, Blood Transfusion and Bereavement Allowance Benefits may be covered under specific circumstances as defined in the policy

• Childbirth, miscarriage (except due to motor vehicle accident), pregnancy or any other complication thereof

• Professional sports activities of any kind

Section 2: Personal Liability

• Liability assumed under contract and/or agreement

• Claims made by your employees for accidents arising in the course of employment

• Claims against you by your family members

• Liability in respect of damage to property held under your care, control or custody

• Liability arising from the ownership, possession or use of any animal (other than a dog or cat), mechanically propelled vehicle, vessel or aircraft, land or building and firearms

Excluded Occupations• Police, Army/Military/Navy and Law Enforcement

Officers, Aircraft Testers, Pilots or Crews

• Jockeys, Fireman, War Correspondents, Steeplejack, Stevedores and Persons engaged in Demolition of Buildings, Seamen and Sea Fisherman

Note: This list is not exhaustive. Agent is not authorized to bind cover unless written confirmation by the Company.

• Flying as a pilot or crew member in any aircraft other than as a fare paying passenger in an aircraft licensed for passenger service

• Pre-existing physical or mental defect or infirmity

• Hazardous sports activities such as mountaineering involving the use of ropes or mechanical guides, parachuting, hand gliding, racing of any kind (other than on foot)

• Radioactive and nuclear weapon material accidents

• Seepage pollution or contamination

• Liability arising out of your employment, trade, profession or business

• Fines, penalties, punitive or exemplary damages

• Radioactive and nuclear weapon material accidents

• War and allied risks

• Any consequential loss of any kind whatsoever

• Person engaged in Ambulance Services, Oil Rig Workers, Sawyers and Timber Logging Workers, Explosive Handlers, Underground Tunnel and Mine Workers

• Diver, Wood Working Machinists, Racing Drivers, Person engaged in Professional Sports Activities and other similar Hazardous Sports Activities or Occupations

RM

• 1 month to 65 years old and up to 80 years old for renewal

• Children 1 month to 12 years old are eligible for Plan up to RM50,000 (without Weekly Benefit)

• Children 13 to 17 years old are eligible for Plan up to RM100,000 (without Weekly Benefit)

• Adults 18 years and above who are dependent upon parent(s) support and unemployed are eligible for Plan without Weekly Benefit

• Housewives are not entitled to Weekly Benefits

• Only One Plan is allowed per Insured Person

• Class 3 occupations eligible for Plan 1 only (for higher plan, please refer to the Company)

Section I - Personal Accident

Sum Insured (RM)

Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8

1. Principal Sum Insured a) Accidental Death 50,000 100,000 150,000 200,000 300,000 500,000 750,000 1,000,000 b) Permanent Disablement 50,000 100,000 150,000 200,000 300,000 500,000 750,000 1,000,000

2. Medical Expenses (inclusive of below) 3,500 4,500 5,500 6,500 7,500 8,500 9,500 10,000

** Sinseh/Traditional Treatment (RM40 per visit and up to RM400 per accident) ** Fees for Medical/Specialist/Post-mortem Report ** Medical Expenses for Dengue, Zika, Malaria & JE

3. Daily Hospital Cash (per day up to max. 180 days) 75 75 75 100 100 175 175 225

4. Weekly Benefits (maximum 52 weeks) • Class 1 & 2 occupations 50 75 100 125 150 250 375 500

• Class 3 occupation 50 50 50 75 75 N/A N/A N/A (for Plan 2 to 5, please refer to the Company)

5. Ambulance Fees for services rendered 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 in Malaysia only (per accident)

6. Bereavement Allowance 5,000 10,000 15,000 20,000 30,000 50,000 75,000 100,000 (death due to Dengue, Zika, Malaria or JE)

7. Blood Transfusion 5,000 10,000 15,000 20,000 30,000 50,000 75,000 100,000

(positively diagnosed with HIV within 2 years from date of the blood transfusion in a hospital within Malaysia)

8. * Cashless Hospital Admission Facility 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500

(hospitalisation due to an accident & in a participating hospital in Malaysia) * Subject to overall Medical Expenses limit.

9. Coma due to an accident 50,000 100,000 150,000 200,000 300,000 500,000 750,000 1,000,000 (Coma state for at least 1 year)

10. Dental Correction and 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 Corrective Cosmetic Surgery

11. Funeral Expenses (Accidental Death) 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000

For 'Class 3 occupation', please refer to Company

Not applicable for 'Class 3 occupation'

Sum Insured (RM)

Sum Insured (RM)

Section II - Personal Liability (territorial limit: Within Malaysia) Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8

12. Kidnap Benefit a) Necessary Expenses Incurred 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 b) Reward for information leading to 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 recovery of the Insured Person c) Insured Person not recovered after 50,000 100,000 150,000 200,000 300,000 500,000 750,000 1,000,000 one year from the day of kidnap

13. Permanent Disablement to Genitalia 5,000 10,000 15,000 20,000 30,000 50,000 75,000 100,000 (Impotency for males up to 60 years old and infertility for female up to 50 years old due to an accident)

14. Prostheses/Wheelchair Benefit 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000

15. Repatriation Expenses 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000

16. Travel Allowance 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 (RM200 per week up to maximum RM1,000 per accident)

17. Double Indemnity 100,000 200,000 300,000 400,000 600,000 1,000,000 1,500,000 2,000,000 (Death or Permanent Total Paralysis from neck down or Permanent Total Loss/ Loss of use of 2 limbs due to an accident whilst travelling as a fare paying passenger on any public transport or travelling overseas)

18. Renewal Bonus (on Death/Permanent Disablement 25,000 50,000 75,000 100,000 150,000 250,000 375,000 500,000 - Principal Sum Insured only) • 10% for each year up to maximum 50%

19. Miscarriage due to Motor Vehicle Accident 1,000 1,000 1,000 1,000 1,000 1000 1,000 1,000 (whether as a pedestrian, passenger, pillion or driver/rider) This benefit is payable in addition to the expenses paid under Medical Expenses benefit and subject to the submission of original medical bills issued by a qualified medical practitioner

20. Snatch Theft 300 300 300 300 300 300 300 300 Loss or damage to personal effects of Insured Person. The reimbursable items are replacement fee for NRIC, passport, driving license, credit/charge cards, access cards for entry to buildings/parking lots, eye glasses, handphone, wallets and purses. Police report must be made within 24 hours of occurence.

Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8

Limit of Liability in respect of any one claim or a 75,000 150,000 225,000 300,000 450,000 750,000 1,125,000 1,500,000series of claims arising from one accident or cause and in the aggregate for any one period of insurance

Optional Cover (Class 1 & 2 only) 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000(for top up of RM100,000 for Death/Permanent Disablement benefits) - not eligible for Renewal Bonus and Double Indemnity

Class 1 & 2 only

• Premium with Weekly Benefit 115.00 195.00 265.00 345.00 465.00 805.00 1,085.00 1,425.00

• Premium without Weekly Benefit 85.00 155.00 205.00 275.00 385.00 625.00 885.00 1,175.00

• Additional Premium for 'Optional Cover' 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00

• Car Assistance Programme (CAP) 15.00 15.00 15.00 15.00 15.00 15.00 15.00 15.00

Class 3 only(For Plan 2 to 5, please refer to the Company)

• Premium with Weekly Benefit 175.00 275.00 385.00 535.00 785.00 N/A N/A N/A

• Premium without Weekly Benefit 140.00 240.00 350.00 480.00 730.00 N/A N/A N/A

Annual Premium

Premium is subject to 6% Service Tax and RM10 Stamp Duty

Class 1Professional and non-hazardous occupations involving non-manual, administrative, managerial or clerical work solely in offices.

Class 2Non-hazardous occupations involving work of a supervisory nature or travelling but not engaging in manual labour.

Class 3Persons engaged in occasional or regular manual work not particularly hazardous in nature but involving the use of tools or machinery (not using woodworking machinery).

* For appropriate classification, please refer to Company.

Definitions of Occupational Class

Age Limit & Eligibility

• For Group Policies, the following policy terms will apply:- No Group discount is allowed- Applicable to Named Insured Person only- Renewal bonus benefit is allowed subject to :

a) new Insured Person included during mid-term of the policy will only qualify for the renewal bonus after one year from the date of inclusion

b) not interchangeable between Insured Personsc) no claims made under the provision of the Renewal

Bonus benefit- Subject to conveyance limit of RM5 million any one

accident

This brochure provides a brief description of the product and is not exhaustive. For full details on exclusions, terms and conditions, kindly refer to the actual Policy Document. In the event of differences arising between the translated versions, the English version shall prevail.