personal accident

We insure your life. Because you never know.

Personal Accident Insurance Plan

Our Personal Accident Insurance Plan provides round-the-clock coverage, so you and your family will be assured of timely financial assistance should an accident happen.


Personal accident insurance can be provided in two ways:

  • as a stand-alone policy – either individually or as part of a group policy, where an employer takes out the policy on behalf of its employees; or

  • as a benefit included as part of another product – for example, with travel insurance or a bank account.

Most personal accident policies pay out lump sum benefits when the policy terms are satisfied – which usually means when the consumer dies or suffers bodily injury as a result of an accident or unforeseen event.  Policies usually state that the consumer is not covered if the death or injury is caused by “sickness, disease or any naturally occurring condition or process”.  To be met, the consumer’s claim must not fall within this or any other exclusion clause in the policy.

Generally, personal accident insurance policies cover as standard:

  • death

  • permanent total disablement; and

  • loss of, or loss of use of, a specified body part (such as a limb)

Some policies also cover permanent partial disablement, temporary total disablement and/or temporary partial disablement.   But personal accident policies only offer protection against accidental death and bodily injury – and not against sickness or general disability, which may be covered by other types of insurances.

Personal Accident Policies

Full coverage of medicinal bills

If you get harmed due to an accident, you should not worry about the expense of medicine and treatment. We’ve got you covered by compensating you for the fees.

The medical compensation profit would double from your medical bills if you harmed while abroad that letting you get treatment overseas without worrying about the costs.

Backup during the critical

You will receive monthly payouts of 1% of your coverage amount for up to 100 months to support you get used to your new situation if an accident leaves you permanently disabled.

Should you pass away unexpectedly, your family will receive a payout to help get used to the tough times ahead.

Commission replacement guarantee

Losing source of income due to an accident can be suffering. If you cannot work because of total inability, you will gain 10% in the 6th month and another 90% of your coverage in the 12th month of disability.

Renewal bonus – 5% extra coverage

For the first five years, you can enjoy additional 5% coverage for accidental death and dismemberment benefit every time you renew your policy – because of we all like a little extra.

Option to boost your coverage

For the first five years, you can enjoy additional 5% coverage for accidental death and dismemberment benefit every time you renew your policy.

You have the opportunity to add to the following benefits to enhance your coverage :

  • Weekly Indemnity Benefit – To receive payouts of up to 52 weeks per accident if you are incapable because of an unfortunate accident.

  • Emergency Evacuation & Repatriation Benefit – We will take care of the cost of emergency medical evacuation and repatriation services of up to $100,000 if you are injured or ill while oversea.

Contact our AIA Life Planning Advisor to get in touch with us and start your personal coverage or choose your plan now. Get covered correctly. Be advised correctly. Call today to be advised on the best insurance protection personalized for you. Or send us the form below on your interest.

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Jalan Kemajuan, Seksyen 13,
Petaling Jaya, 46200 Selangor


Tel: (+6016) 283-5141

       (+6018) 781-5644

       (+6016) 594-5946

Boo Capital Management Life Planning


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