When unfortunate and unforeseen events strike, you’ll be glad you have the Classic PA which gives you 24-hour coverage against a wide range of events.
Medical expenses / Traditional treatments
In addition to paying for medical expenses such as room charges and clinical, medical and surgical treatments up to the amount insured, Classic PA will also cover charges for treatments, such as traditional Chinese medicine. Classic PA will even reimburse your hospital, medical and clinical expenses, as well as room and board charges resulting from Dengue Fever, Malaria, Japanese Encephalitis, Yellow Fever, Scarlet Fever or Coxsackie.
Government hospital allowance
Should you be required to stay in a government hospital for more than 24 hours, Classic PA will give you a cash allowance of RM50 per day up to 60 days.
We will pay 200% of your Capital Sum Insured including the Renewal Bonus (if any) if you are paralysed from the neck down or 150% if you are paralysed from the waist down.
In the event of accidental death, we will pay a lump sum bereavement allowance in accordance with the plan selected. For deaths due to motor accidents, immediate payment will be made upon presentation of police report and death certificate.
Accidental death or permanent disablement
We will pay a lump sum of compensation should an accident occur. Payment will be made in accordance with the percentage as specified in the Schedule of Benefits.
Temporary, total or partial disablement
Should an accident occur, preventing you from attending to all or a substantial part of your duties pertaining to your usual occupation, profession or business, we will pay a weekly benefit for each week of temporary total or partial disablement up to a maximum of 104 weeks.
Purchase of prostheses
Should you require prostheses, Classic PA will pay you up to RM5,000 for the purchase of wheel chairs, crutches or artificial arm or leg.
If you suffer accidental death while travelling as a fare-paying passenger in a duly licensed aircraft or sea-going liner, we will pay double the Capital Sum Insured including Renewal Bonus (if any).
In the event of an accident where an ambulance is dispatched, we will cover ambulance fees of up to RM200 per incident.
Should you be liable to pay a third party for accidental bodily injury or accidental property damage, we will pay for indemnities incurred up to the limit stated in the Table of Benefits.
The Capital Sum Insured will be increased by 10% at each renewal up to a maximum of 50% of the original Capital Sum Insured, provided no claim has been made during each year of insurance.
Car assistance programme
In affiliation with Asia Assistance Network (M) Sdn Bhd, Classic PA will provide you with 24-hour emergency towing and roadside repair services, car replacement assistance and arrangement of hotel accommodation as a result of a private passenger car breakdown and referrals to accredited service or repair centres. We also will pay up to a maximum of RM300 for repairs and towing charges each time you get into an accident.
Eligibility age is from 18 years to 65 years old, renewable up to 70 years old. Your occupation must fit the following classification:
If you happen to be in the listed professions below, please contact us for more details. Air crew, professional sportsperson, professional diver, jockey, professional entertainer, social escort, explosive handler/maker, military and law enforcement officer, firefighter, sailor, acrobat, bodyguard, debt collector, demolition worker, quarry worker, steeplejack, sawyer, security guard, woodworking machinist, heavy commercial vehicle driver, oil rig worker, underground or mining worker, timber logger or worker, plantation or estate worker (other than owner), construction worker or person engaged in outdoor work involving heights of 30 feet and above.