PERSONAL ACCIDENT
SMARTPA ENHANCED
PROTECT AGAINST
THE UNEXPECTED
Member of PIDM
The benet(s) payable under eligible product is protected by PIDM up
to limits. Please refer to PIDM’s TIPS Brochure or contact Generali
Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my)
With SmartPA Enhanced, enjoy comprehensive
protection for you and your family 24/7 anywhere in
the world.
SmartPA Enhanced is the ideal Personal Accident insurance that will help protect you and your
family. While you cannot avoid all accidents that come your way, SmartPA Enhanced gives you
peace of mind with protection against the unexpected.
Get increasing coverage with our Renewal Bonus feature and No Claims Discount benet plus
many other benets for a comprehensive protection.
BENEFITS
High Sum Insured
We cover Accidental Death or Permanent Disablement (including coma) up to
RM1,000,000.
Renewal Bonus up to 120%
Principal sum insured will increase from 15% per year up to 120% upon
renewal of insurance provided there is no claim under Accidental Death or
Permanent Disablement.
Double the Payout
Double the payout up to RM2,000,000 for Accidental Death or Permanent Total
Disablement whilst travelling on a public transport, travelling overseas, during
festive season or being a victim of snatch theft or robbery.
Family Plans Privilege
Extend the protection to your spouse and family with unlimited number of
children and enjoy 3 times sum insured with double payout up to RM6,000,000.
No Claims Discount
Get 10% discount on your renewal premium if you do not make any claims on
your policy.
Cashless Hospital Admission
Guarantees up to RM12,000 for admission at panel hospitals in Malaysia due to
an accident.
Renewable up to age 100
Provides you continuous protection into your golden years.
X2
10%
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Accidental Medical Expenses
Covers your medical expenses up to RM12,000 for treatment from a hospital
or clinic due to an accident.
Medical Coverage for Dengue
Pays for medical expenses for the treatment of illness due to Dengue, Zika
Virus, Malaria, Japanese Encephalitis or Chikungunya up to 50% of Medical
Expenses Limit.
Alternative Medical Treatment
Pays up to RM500 per accident for treatment by a registered traditional
medicine practitioner, osteopath, chiropractor, herbalist and/or bonesetter.
Dental and Corrective Surgery
Pays up to RM10,000 for any additional expenses incurred for dental
correction and/or corrective cosmetic surgical operation to the face, neck,
head or chest necessitated by an accident.
Daily Hospitalization Allowance
Up to RM250 daily cash allowance is paid each day to a maximum of 180 days
for hospitalisation due to accident. This is on top of the Medical Expenses
payout!
Compassionate Care Allowance
Covers up to RM3,000 for the expenses incurred for travelling and
accommodation by one family member to take care of and/or accompany the
Insured who is a minor (aged 12 and below), during hospitalization due to
accident.
Weekly Nursing Care Charges
A weekly cash allowance for up to RM1,200 per week for special nursing care
if post-hospitalization nursing care is considered necessary by the hospital.
Ambulance Fees
Pays for the ambulance cost incurred to transport the Insured following an
accident.
Prostheses
Pays for the necessary cost of purchasing wheelchair, articial arm or leg and
crutches.
Repatriation Expenses
Payment for the cost of cremation in the locality where death occurs or the
expenses of transporting the mortal remains back to Malaysia in the event of
death.
Bereavement Allowance
A lump sum payment of up to RM10,000 as bereavement allowance in the
event of Accidental Death, including death due to Dengue, Zika Virus, Malaria,
Japanese Encephalitis or Chikungunya.
Page 3/8
Funeral Expenses
Reimburses the funeral expenses up to RM10,000 in the event of Accidental
Death, including death due to Dengue, Zika Virus, Malaria, Japanese
Encephalitis or Chikungunya.
Cash Relief
Pays lump sum emergency cash up to RM7,500 in the event of Accidental
Death.
Snatch Theft or Robbery
A lump sum payment for loss or damage to personal effects due to snatch
theft or robbery. Police report required (to be made within 24 hours).
Kidnap Benet
Payment of up to RM10,000 lump sum for expenses incurred including hiring
a private investigator. A reward of RM25,000 for information leading to the alive
recovery of the Insured. Full payment of the principal sum insured upon
non-recovery of the kidnapped person after a period of one year from the day
of the kidnap.
Loan Protector up to RM7,500
In the event of Accidental Death, we will reimburse the Insured Person’s
outstanding credit liabilities for credit cards, personal loan, overdraft,
education, housing, car or renovation loans with any banks licensed by Bank
Negara Malaysia.
Personal Liability
Liabilities payment up to RM1,000,000, should you be liable to pay a third
party for accidental bodily injury or accidental property damage.
VALUE ADDED - OPTIONAL
Temporary Total Disablement
An option to include Weekly Benet coverage for yourself and
spouse and be entitled to 104 weeks of weekly benets if the
insured person is unable to attend work as a result of an accident
(as certied by a medical practitioner). Weekly benet payout is up
to RM300 per week!
Page 4/8
Schedule of Benets
Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
Accidental Death
Sum Insured/Limit of Liability Per Accident (RM)
Limit
Per Adult:
Age <80 years old
Plan 7
1,000,000
Per Adult:
Age ≥80 years old
500,000
Per Child 150,000
Per Family
3,000,000
Benet 1 - Accidental Death
Benet 2 - Accidental Permanent Disablement
Accidental Permanent Total
Disablement
Per Adult:
Age <80 years old
1,000,000
Per Adult:
Age ≥80 years old
500,000
Per Child 150,000
Per Family
3,000,000
Benet 3 - Renewal Bonus
Renewal Bonus
15% per year up to 120% of Principal Sum Insured of Benet 1 and Benet 2
Double IndemnityBenet 4
Per Adult:
Age <80 years old
2,000,000
Per Adult:
Age ≥80 years old
1,000,000
Per Child 300,000
Per Family
6,000,000
Double Indemnity whilst travelling
on public transport, travelling
overseas, being a victim of snatch
theft or robbery or involved in an
accident during festive season
Per Adult/Child 12,000
Per Family 36,000
Benet 5A (i) Accidental Medical
Expenses
Benet 5 - Medical Expenses
Per Adult/Child 500
Per Family 1,500
Benet 5A (ii) Alternative Medical
Treatment
Per Adult 12,000
Benet 5B Cashless Admission Guarantee
Per Adult/Child 10,000
Plan 1
50,000
25,000
7,500
150,000
50,000
25,000
7,500
150,000
100,000
50,000
15,000
300,000
3,000
9,000
500
1,500
3,000
5,000
15,000Per Family 30,000
Benet 5C Dental and Corrective
Surgery
9,000Per Adult/Child 45,000
27,000Per Family 135,000
50Per Day 250
Benet 5D Daily Hospital Allowance
(maximum 180 days)
3,000Per Adult/Child 3,000
9,000Per Family 9,000
Benet 5E Compassionate Care Allowance
500Per Adult/Child 1,200
1,500Per Family 3,600
Benet 5F Weekly Nursing Care
Charges
500Per Adult/Child 500
1,500Per Family 1,500
Benet 5G Local Ambulance Fees
1,000Per Adult/Child 1,000
3,000Per Family 3,000
Benet 5H Prostheses
Benet 6 - Repatriation of Mortal Remains
10,000Per Adult/Child 10,000
30,000Per Family 30,000
Repatriation of Mortal Remains
Benet 7 - Bereavement/Funeral Allowance
5,000Per Adult/Child 10,000
15,000Per Family 30,000
Benet 7A Bereavement Allowance
5,000Per Adult/Child 10,000
15,000Per Family 30,000
Benet 7B Funeral Expenses
2,000Per Adult/Child 7,500
6,000Per Family
100,000
50,000
15,000
300,000
100,000
50,000
15,000
300,000
200,000
100,000
30,000
600,000
4,000
12,000
500
1,500
4,000
5,000
15,000
13,500
40,500
75
3,000
9,000
750
2,250
500
1,500
1,000
3,000
10,000
30,000
5,000
15,000
5,000
15,000
3,000
9,000
200,000
100,000
30,000
600,000
200,000
100,000
30,000
600,000
400,000
200,000
60,000
1,200,000
5,000
15,000
500
1,500
5,000
5,000
15,000
18,000
54,000
100
3,000
9,000
1,000
3,000
500
1,500
1,000
3,000
10,000
30,000
5,000
15,000
5,000
15,000
5,000
15,000
300,000
150,000
45,000
900,000
300,000
150,000
45,000
900,000
600,000
300,000
90,000
1,800,000
6,000
18,000
500
1,500
6,000
10,000
30,000
22,500
67,500
125
3,000
9,000
1,000
3,000
500
1,500
1,000
3,000
10,000
30,000
10,000
30,000
10,000
30,000
5,000
15,000
500,000
250,000
75,000
1,500,000
500,000
250,000
75,000
1,500,000
1,000,000
500,000
150,000
3,000,000
7,000
21,000
500
1,500
7,000
10,000
30,000
27,000
81,000
150
3,000
9,000
1,000
3,000
500
1,500
1,000
3,000
10,000
30,000
10,000
30,000
10,000
30,000
7,500
22,500
750,000
375,000
112,500
2,250,000
750,000
375,000
112,500
2,250,000
1,500,000
750,000
225,000
4,500,000
9,000
27,000
500
1,500
9,000
10,000
30,000
36,000
108,000
200
3,000
9,000
1,000
3,000
500
1,500
1,000
3,000
10,000
30,000
10,000
30,000
10,000
30,000
7,500
22,500 22,500
Benet 7C Cash Relief
Benet 4 - Double Indemnity
Schedule of Benets
Schedule of Benets
Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
Sum Insured/Limit of Liability Per Accident (RM)
Limit
Plan 7
Benet 8
Plan 1
5,000Per Adult/Child 5,000 10,000 10,000 10,000
15,000Per Family 15,000 30,000 30,000 30,000
Benet 9A Kidnap - Lump Sum
Payment
25,000Per Adult/Child 25,000 25,000 25,000 25,000
75,000Per Family 75,000 75,000 75,000 75,000
Benet 9B Kidnap - Reward
50,000Per Adult/Child 100,000 500,000 750,000
1,000,000
150,000Per Family 300,000
1,500,000 2,250,000 3,000,000
Benet 9C Kidnap - Insured not
Recovered
500Per Adult/Child 500 500 500 500
1,500Per Family 1,500 1,500 1,500 1,500
Snatch Theft or Robbery
2,000Per Adult 3,000 7,500 7,500 7,500
Loan Protector
50,000Per Adult/Child 100,000 500,000 750,000
1,000,000
150,000Per Family 300,000
1,500,000 2,250,000 3,000,000
Personal Liability
ADD ON
Benet A1 Class 1 & 2 - Temporary Total Disablement
50Per Adult/Week 75 200 250 300
Temporary Total Disablement
Benet A2 Class 3 - Temporary Total Disablement
50Per Adult/Week 50
5,000
15,000
25,000
75,000
200,000
600,000
500
1,500
5,000
200,000
600,000
125
50
10,000
30,000
25,000
75,000
300,000
900,000
500
1,500
5,000
300,000
900,000
150
N/A N/A N/A N/A
Temporary Total Disablement
Benet 8 - Snatch Theft or Robbery
Benet 9 - Kidnap
Benet 10 - Loan Protector
Benet 11 - Personal Liability
Notes:
1. Eligible age is any person aged from 18 to 69 years old, renewable up to 100 years.
2. Eligible age for children is from 30 days to 18 years of age (or up to 23 years for full-time students).
3. Children are covered 15% for Death and Disability benets and 100% for other benets.
4. Only legal children can be insured (irrespective of number of children).
5. Family Limits apply to Self or Spouse and Children plan and Self, Spouse and Children plan.
Amateur Sports
Disappearance
Drowning
Exposure
Food and/or Drink Poisoning
Hijack
Intoxication by alcohol (except whilst driving)
Motorcycling
Murder and Assault
Poisonous Snake/Insect Bites
Suffocation due to Smoke, Fumes or Poisonous Gas
Scuba Diving
Page 6/8
SPECIAL EXTENSIONS
KEY EXCLUSIONS
Benets
Plan 2 Plan 5 Plan 6
Table of Premium before 6% Service Tax (RM)
Person To Be Insured
Plan 7
Self or Spouse & Children
302 888 1,218 1,583
Self, Spouse & Children 479 1,523 2,124 2,761
Self & Spouse 353 1,270 1,814 2,358
Occupation Class 1 & 2
Premium
Self Only 197 708 1,010 1,313
Self or Spouse & Children
421 1,317 1,817 2,362
Self, Spouse & Children 700 2,342 3,282 4,267
Self & Spouse 560 2,051 2,931 3,810
Occupation Class 3
Self Only 392 1,451 2,077 2,700
Spouse Only 45 120 150 180
Occupation Class 1 & 2
Self Only 45 120 150 180
Spouse Only 70 N/A N/A N/A
Occupation Class 3
Self Only 70 N/A N/A N/A
Optional Benet
(Temporary Total
Disablement)
Plan 2
Plan 3
454
747
587
328
652
1,122
939
662
75
75
70
70
Plan 3
Plan 4
608
1,018
821
458
888
1,549
1,321
933
90
90
N/A
N/A
Plan 4 Plan 5 Plan 6
Person To Be Insured
Plan 7
Plan 1
222
340
234
131
300
482
365
253
30
30
70
70
Plan 1
Notes:
1. Premium is subject to Service Tax
2. Please add RM 10.00 for stamp duty
Accidental Death
Class 1
Professions and occupations
involving non-manual,
administrative or clerical
work solely in ofces or
similar non-hazardous
places
Class 2
Professions and occupations
involving non-manual work
with some exposure to risk
from the environment or
which entail much travel, or
work with mainly supervisory
duties and occasional light
manual work
Class 3
Professions and occupations
involving light manual work
not of particularly hazardous
nature but involving the use
of tools or light machinery
Any unlawful act, willful exposure to danger, suicide or intentional self-injury
Any pre-existing physical or mental defect or inrmity, illness, disease, bacterial or viral infections
HIV and/or any HIV related illness including AIDS and/or any mutant derivatives
Effects of drugs not prescribed by a Physician
Pregnancy or childbirth
Extreme Sports, pot-holing, private hunting trips, ultra marathons, racing other than foot
Flying other than as a passenger in a licensed passenger carrying aircraft
War, invasion, rebellion, revolution
Regular or temporary, military or police duties or re service
Engaging or participating in any professional sports
OCCUPATIONS
Page 7/8
1. Who is eligible?
All Malaysians, Malaysian permanent residents, work permit holders, pass holders or
otherwise legally employed in Malaysia and their spouses/children who are legally residing in
Malaysia. Insured Person are between the ages of thirty (30) days and sixty nine (69) years at
the date of inclusion and renewable up to one hundred (100) years old.
2. Is the medical expenses benet payable per disability?
Yes, we will pay up to the sum insured for medical expenses for each accident and there is no
limit to the number of claims made in any one year.
3. Does this plan pay in addition to any other insurance policy that I may have?
Yes, it pays in addition to any other insurance policy you may have except for Medical
Reimbursement.
4. How will I be entitled for Renewal Bonus?
As long as you renew your policy and there is no claim under Accidental Death or Permanent
Disablement in the preceding year, a 15% Renewal Bonus of the Principal Sum Insured will be
rewarded. Only claims under Accidental Death or Permanent Disablement will affect your
Renewal Bonus.
5. How do I qualify for No Claims Discount?
You will be entitled to a 10% No Claims Discount on your renewal premium as long as no claim
was made in the preceding year. You can qualify for No Claims Discount every year but please
note that the renewal premium is not on a reducing basis.
6. How do I utilize the Cashless Hospital Admission?
You can receive Cashless Hospital Admission at Participating Hospitals (list available at Our
website) by providing your Identity Card number upon admission.
Sign up for SmartPA Enhanced today!
For more information, call your agent or
Generali Customer Service Hotline (603) 2170 8282
Operating Hours: 8.30am to 5.30pm (Monday to Friday excluding public holidays)
SPAE/BR (02/23)
Ask your insurance agent for more details
Generali Insurance Malaysia Berhad (formerly known as AXA Afn General Insurance Berhad)
Reg No: 197501002042 (23820-W) Service Tax Reg. No.: W10-1808-31015017
Registered Address: Ground Floor, Wisma Boustead, 71 Jalan Raja Chulan, 50200 Kuala Lumpur, Malaysia
T +603 2170 8282 F +603 2031 7282
E-mail: customer.ser[email protected] Website: generali.com.my
This brochure is not a contract of insurance. The precise terms, conditions and denitions are specied in the insurance policy.
In the event of differences arising between the English and Bahasa Malaysia versions, the English version shall prevail.
Important Note:
1. Read this brochure before you decide to take out the SmartPA Enhanced Insurance Policy. Be sure to also read through the general terms and
conditions of the Product Disclosure Sheet.
2. You should read and understand the insurance policy and discuss with the agent or contact us directly for more information.
