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Best Personal Accident Insurance Plans in Malaysia 2022

We found 25 personal accident insurance(s) for you!

Buddy PA Insurance

Conventional
Death & Permanent Disablement
Up to RM 250,000
Medical Expenses
Up to RM 2,250
Inclusion Age
45 days - 65 years old

    Takaful Buddy PA

    Takaful
    Death & Permanent Disablement
    Up to RM 250,000
    Medical Expenses
    Up to RM 2,250
    Inclusion Age
    45 days - 65 years old

      Flexi PA Insurance

      Conventional
      Death & Permanent Disablement
      Up to RM 50,000
      Medical Expenses
      Up to RM 5,000
      Inclusion Age
      18 years old - 65 years old

        Takaful Flexi PA Insurance

        Takaful
        Death & Permanent Disablement
        Up to RM 50,000
        Medical Expenses
        Up to RM 5,000
        Inclusion Age
        18 years old - 65 years old

          Secure Protector

          Conventional
          Death & Permanent Disablement
          Up to RM 1,000,000
          Medical Expenses
          Up to RM 12,000
          Inclusion Age
          18 years old - 70 years old

            The Gladiator Enhanced

            Conventional
            Death & Permanent Disablement
            Up to RM 1,000,000
            Medical Expenses
            Up to RM 8,000
            Inclusion Age
            30 days - 65 years old

              Multi PA-Protector

              Conventional
              Death & Permanent Disablement
              Up to RM 300,000
              Medical Expenses
              Up to RM 9,000
              Inclusion Age
              16 years old - 65 years old

                IKHLAS Personal Accident Takaful

                Takaful
                Death & Permanent Disablement
                Up to RM 10,000
                Medical Expenses
                Up to RM 3,000
                Inclusion Age
                18 years old - 65 years old

                  IKHLAS P.A. Permata Takaful

                  Takaful
                  Death & Permanent Disablement
                  Up to RM 600,000
                  Medical Expenses
                  Up to RM 3,000
                  Inclusion Age
                  18 years old - 60 years old

                    Takaful myClick PA

                    Takaful
                    Death & Permanent Disablement
                    Up to RM 500,000
                    Medical Expenses
                    Up to RM 10,000
                    Inclusion Age
                    18 years old - 70 years old

                      Crystal Essentials Personal Accident

                      Conventional
                      Death & Permanent Disablement
                      Up to RM 1,000,000
                      Medical Expenses
                      Up to RM 12,000
                      Inclusion Age
                      18 years old - 65 years old

                        Xtra Guard PA

                        Conventional
                        Death & Permanent Disablement
                        Up to RM 200,000
                        Medical Expenses
                        Up to RM 2,000
                        Inclusion Age
                        16 years old - 75 years old

                          Perfect 10 Personal Accident Insurance

                          Conventional
                          Death & Permanent Disablement
                          Up to RM 1,000,000
                          Medical Expenses
                          Up to RM 10,000
                          Inclusion Age
                          16 years old - 65 years old

                            Kurnia Personal Accident Supreme

                            Conventional
                            Death & Permanent Disablement
                            Up to RM 1,000,000
                            Medical Expenses
                            Up to RM 10,000
                            Inclusion Age
                            16 years old - 65 years old

                              Right Cover Personal Accident

                              Conventional
                              Death & Permanent Disablement
                              Up to RM 450,000
                              Medical Expenses
                              Up to RM 300
                              Inclusion Age
                              16 years old - 65 years old

                                Personal Accident Insurance

                                Conventional
                                Death & Permanent Disablement
                                Up to RM 50,000
                                Medical Expenses
                                Up to RM 1,000
                                Inclusion Age
                                3 years old - 70 years old

                                  Allianz Lifestyle Protect

                                  Conventional
                                  Death & Permanent Disablement
                                  Up to RM 50,000
                                  Medical Expenses
                                  Up to RM 1,000
                                  Inclusion Age
                                  3 years old - 70 years old

                                    SOMPO CashNow

                                    Conventional
                                    Death & Permanent Disablement
                                    Up to RM 20,000
                                    Medical Expenses
                                    Up to RM 2,500
                                    Inclusion Age
                                    19 years old - 45 years old

                                      Ultima Care P.A.

                                      Conventional
                                      Death & Permanent Disablement
                                      Up to RM 3,000,000
                                      Medical Expenses
                                      Up to RM 10,500
                                      Inclusion Age
                                      16 years old - 70 years old

                                        Individual PA Partner

                                        Conventional
                                        Death & Permanent Disablement
                                        Up to RM 1,000,000
                                        Medical Expenses
                                        Up to RM 17,500
                                        Inclusion Age
                                        16 years old - 65 years old

                                          Family PA Partner

                                          Conventional
                                          Death & Permanent Disablement
                                          Up to RM 300,000
                                          Medical Expenses
                                          Up to RM 12,500
                                          Inclusion Age
                                          Until 65 years old

                                            Tokio Marine PremierUltra PA

                                            Conventional
                                            Death & Permanent Disablement
                                            Up to RM 1,000,000
                                            Medical Expenses
                                            Up to RM 10,000
                                            Inclusion Age
                                            30 days - 65 years old

                                              SmartPA Enhanced

                                              Conventional
                                              Death & Permanent Disablement
                                              Up to RM 1,000,000
                                              Medical Expenses
                                              Up to RM 12,000
                                              Inclusion Age
                                              30 days - 69 years old

                                                Individual Personal Accident Insurance - HLB

                                                Conventional
                                                Death & Permanent Disablement
                                                Up to RM 1,000,000
                                                Medical Expenses
                                                RM 5,000
                                                Inclusion Age
                                                16 years old - 80 years old

                                                  365 Personal Accident Plan

                                                  Conventional
                                                  Death & Permanent Disablement
                                                  Up to RM 300,000
                                                  Medical Expenses
                                                  Up to RM 8,000
                                                  Inclusion Age
                                                  18 years old - 69 years old
                                                    Last updated: Aug 16, 2022

                                                    FAQs What Is Personal Accident Insurance?

                                                    A Personal Accident Insurance (PA Insurance) policy is an annual policy you can sign up for in order to insure yourself and/or your family against unfortunate events, such as injuries, disability or death caused by accidental circumstances.

                                                    • PA insurance works just like most other insurance policies. Basically, you sign up for a PA insurance policy with specific scale of benefits and scope of coverage, and pay an annual premium in order to enjoy such benefits and coverage. In the event of an accident which causes injuries, disability or death, you and/or your family are compensated with a sum of money based on the scale of benefits and scope of coverage as stated in your policy.

                                                    • Different PA insurance policies offer different coverage and scale of benefits. Typically, the standard types of coverage provided in a PA insurance policy include: accidental death, permanent disablement, temporary total or partial disablement, medical expenses, corrective surgery, hospitalisation benefits and funeral expenses.

                                                    • Yes, all PA insurance policies have exclusions to their coverage, which may differ slightly from insurer to insurer. Generally, exclusions include injuries, disability and death caused by war, suicide, pre-existing physical or mental defect, self-inflicted injury, childbirth, miscarriage, provoked murder or assault, hazardous sports, and HIV and AIDS related diseases.

                                                      Additionally, certain PA insurance policies may also exclude coverage for people in professions which are considered “high risk”, such as pilots, racing drivers, law enforcement officers, drivers, aircraft testers, seamen and professional sports persons.

                                                      For peace of mind, you are advised to read and understand the full list of exclusions when you sign up for PA insurance.

                                                    • To get compensated in the event of injuries or disability, you must submit a claim to your insurance company in the manner and within the timeframe as indicated in your PA insurance policy. You will usually need to submit documents such as medical reports and payment receipts to support the claim.

                                                      To get compensated in the event of death, the nominee indicated in the PA insurance policy must submit a claim with the necessary supporting documents, such as a death certificate. If no beneficiary has been nominated, the dependents of the deceased can make the claim, though they may be asked to show proof of dependency.

                                                    • As different people have different requirements from their PA insurance policies, you should always make the necessary comparisons before signing up for one. One way to compare is to look at the scale of benefits, which refers to the amount of compensation that is paid to you or your family under different circumstances.

                                                      Another way is to compare the scope of coverage, which refers to the range of items for which you are covered, as well as, the exclusions under a PA insurance policy.

                                                      To find the best PA insurance policy, simply refer to the table above to compare the prevailing scale of benefits for PA insurance offered by major insurance companies in Malaysia. To check out additional privileges and benefits of a particular policy, click on ‘+ more info’.

                                                      If you would like to be directed to the product page of a specific PA insurance policy at the insurance company’s homepage, select ‘Visit Site’.