Although accidents happen to both sexes, women are particularly vulnerable to snatch thefts, sexual harassment and acid attacks. With the Lady Protector Personal Accident plan, women between 16 and 60 will be protected against these incidents.
Lump sum compensation of up to RM50,000 for death directly caused by a pregnancy disorder or complications arising from childbirth or miscarriage.
Compensation of up to RM2,000 for loss of personal effects.
Cosmetic Surgery And Dental Treatment
Reimbursement of up to RM5,000 per accident for corrective surgery on the head and/or neck.
Reimbursement of up to RM5,000 for legal cost and expenses incurred for instituting legal proceedings.
Cash compensation of up to RM10,000 upon diagnosis of Human Immunodeficiency Virus (HIV) infection occurring within 12 months from the date of undergoing a blood transfusion.
Cash compensation of up to RM20,000 for accidental injury to the reproductive organs (ovaries and/or womb) resulting in total and permanent inability to conceive or become pregnant.
Lump sum payment of up to RM10,000 for accidental third degree burns covering at least 20% of body area.
Medical Expenses (including "Sinseh" treatment)
Reimbursement of up to RM5,000 per accident for medical and surgical treatment. This includes traditional treatments (such as traditional Chinese medicine). We will pay up to RM80 per visit, up to a maximum of RM800 per accident.
Pays double the benefit for death resulting from an accident while travelling as a fare-paying passenger in a public conveyance, e.g. taxi, bus, train, airplane or ship.
High Funeral Expenses
In addition to all death payments, the policy also pays a lump sum of RM10,000 for funeral expenses.
"Twins Prosperity" Bonus
A lump sum cash bonus of RM1,000 for the lucky mother who conceives twins.
Hospital Confinement Allowance
If you are confined in a hospital for more than 24 hours for treatment for an accident, a cash allowance of RM100 will be paid to you for each day of confinement up to a maximum of 180 days.
Should you become legally liable to pay a third party for accidental bodily injury or accidental property damage, we will pay for such indemnities up to a limit of RM250,000 per incident.
No Claim Renewal Bonus
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 Program
Provides 24 hours car assistance service such as emergency towing or minor roadside repair of up to RM300, car replacement assistance, arrangement of hotel accommodation and referral to accredited service or repair centres.
The Lady Protector is open to all Malaysians and permanent residents residing and working in Malaysia and whose occupation or profession does not fall within the list of Excluded Occupations.
The entry age limit for cover starts from 16 to 60 years old and renewable up to 70 years old.
Aircrew, professional sportswoman, diver, jockey, professional entertainers, social escort, guest relation officers (GRO) or similar related category (whether full or part time) working in nightclubs or entertainment outlets, explosives handlers/makers, military and law enforcement officers, fire fighters, sailors, heavy commercial vehicle drivers, oil rig workers, underground or mining workers, timber logger or workers, plantation or estate workers (other than owners), and persons engaged in construction or outdoor work involving heights of 30 feet and above.