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Classic PA

Personal Accident Insurance

Classic PA

The plan with more advantages to cushion you against life's surprises.

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.

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Key benefits

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.

Total paralysis

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.

Bereavement allowance

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.

Other benefits

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.

Double indemnity

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).

Ambulance fee

In the event of an accident where an ambulance is dispatched, we will cover ambulance fees of up to RM200 per incident.

Personal liability

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.

Renewal bonus

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.

Note: Terms and conditions apply. 

Eligibility

Eligibility age is from 18 years to 65 years old, renewable up to 70 years old. Your occupation must fit the following classification:

 

  • Class 1
    Persons whose occupation is generally sedentary in nature, that is, persons engaged in professional, managerial, administrative and clerical positions.
 
  • Class 2
    Persons engaged in wholesale or retail trade, sales, marketing or work of a supervisory nature and whose duties involved travelling in connection with his profession or business purposes but not involving manual labour or the use of tools and machinery or expose to any special hazard.
 
  • Class 3
    Persons either occasionally or generally engaged in manual work not of a particularly hazardous nature but involving the use of tools and machinery.

Excluded occupations

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.

Get this plan

Should you require any further product information, you may call us at 1300-1300 88 (press “2” for General Insurance). Alternately, you may email us at gicare-my@greateasterngeneral.com.

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