This information is not a contract of insurance. The description of the available cover is only a brief summary for quick and easy reference. The precise terms and conditions that apply are stated in the policy contract. You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford.

A comprehensive protection by MAA PA110 EVO

Back to top

TABLE OF BENEFITS & PREMIUMS

Benefits

50,000

5,000

1. Temporary Total Disability

2. Temporary Partial Disability

1. 100

2.  50

1. 200
2. 100

1. 300
2. 150

1. 400
2. 200

1. 500
2. 250

1. 600
2. 300

50

8,000

• Class 1 - white collar workers working in an office, eg. Accountant, banker, company director, manager, executive, etc.

• Class 2 - white collar workers who may be subjected to some hazardous factors or requires travelling, eg. salesperson, surveyor, civil engineer, etc.
• Class 3 - skilled or semi-skilled industrial workers involving either manual labour or the use of light machinery, eg. Carpenter, factory supervisor, cook, etc.

EXCLUDED OCCUPATIONS:

Divers, Police, Army / Military, Law Enforcement Officers, Aircraft Testers, Pilots or Crews, Seamen & Sea Fishermen, Racing Drivers, Jockeys, Oil Rig Workers, Sawyers & Timber Logging Workers, Firemen, War Correspondents, Steeplejacks, Stevedores, Persons Engaged In Demolition of Buildings, Persons Engaged in Ambulance Services, Woodworking Machinists, Explosive Handlers, Underground Tunneling & Mining, and Professional Sports Activities.

BENEFITS

1. ACCIDENTAL DEATH BENEFIT - Pays the Principal Sum Insured in the event of accidental death (occurring within 12 months of accident).
2. ACCIDENTAL PERMANENT DISMEMBERMENT / DISABLEMENT - The company will pay up to the Principal Sum Insured in the event of accidental Permanent Dismemberment / Disablement (occurring within 12 months of accident) as stated in the Schedule of Benefits for Death & Permanent Dismemberment / Disablement.
3. MEDICAL REIMBURSEMENT - The company will reimburse medical expenses inclusive of hospital room and board, clinical, outpatient and surgical treatment due to accident up to the limits stipulated in the Table of Benefits & Premiums.
4. WEEKLY INDEMNITY - Pays up to 104 weeks, if the insured is totally or partially disabled and unable to attend to his/her work as certified by a registered medical practitioner.
5. DAILY HOSPITAL INCOME - Pays Daily Hospital Income up to a maximum of 180 days in the event of Insured is hospitalised as a result of an accident.
6. BROKEN BONES / BURNS - Pays up to RM50,000 as per schedule.
7. PHYSICIAN BENEFIT - An additional medical benefit up to RM500 to cover treatment by acupuncturist, bonesetter, chiropractor, osteopath & physiotherapist. (Provided the first consultation is by registered medical practitioner).
8. AMBULANCE FEE - Pays ambulance fee incurred consequent upon an accident up to RM200  per accident.
9. DEATH BENEFIT (ALL CAUSES) - Death benefit up to RM200,000 is payable in the event of death due to ALL CAUSES.

Back to top

EXTENDED COVERAGE

• Motor Cycling

• Natural disasters including La Nina, El Nino, Flood & Earthquake
• Insect Bites, snake bites and animal bites

• All amateur sports (except martial arts and boxing)
• Water sports including yachting and water skiing
• Scuba diving (up to 50 metres in depth)
• Hunting
• Mountain Climbing
• Polo playing
• Bungee Jumping

• Strike, Riot and Civil Commotion
• Murder and Assault (unprovoked)
• Drowning
• Suffocation through smoke fumes or poisonous gas
• Food and Drink poisoning
• Extended coverage for Dengue Fever and Japanese Encephalitis (JE) - up to 100% of the Medical Reimbursement benefit only.

FREQUENTLY ASKED QUESTIONS

1. WHY DO I NEED THIS PLAN? By applying for the PA110EVO, you will enjoy comprehensive protection and peace of mind. Knowing that in the event of an accident, you and your loved ones will be financially secured.

2. WHO IS ELIGIBLE TO APPLY? Eligibility age for life insured is from 10 years old to 55 years old (last birthday age), renewable up to age 75, subject to a maximum term of 20 years.

3. WHAT IS THE MODE OF PAYMENT AVAILABLE? You can opt to pay your premium by 1) ANNUALLY, 2) HALF-YEARLY (Annual Rate x 0.52), and 3) QUARTERLY (Annual Rate x 0.265)

4. DOES THIS PLAN PROVIDES ANY CASH VALUE? NO. This is a protection plan with no cash value.

5. AM I COVERED AT HOME, WORK OR AT LEISURE? This plan protects you 24 hours a day, 365 days a year, worldwide whether you are at work, at home, traveling or playing sports except professional sports, martial arts and boxing.

6. CAN A RETIREE BUY THIS PLAN? YES, as long as the insured is below the age of 55 and will be eligible to purchase the maximum plan of up to Plan 2.

7. CAN I BUY FOR CHILDREN OR FAMILY MEMBERS?  YES. Any person whose age is 18 and above is eligible to apply.

8. DO I NEED TO GO FOR MEDICAL CHECK UP TO TAKE UP THIS PLAN? All application will be subjected to health underwriting. Hence, if a person has unfavourable health conditionmay be requested by the Insurer to undergo a medical check up prior to accepting his/her application.

9. ARE THERE ANY EXCLUSION? YES. The exclusions include the following:- War, Civil War, Terrorism, AIDS and diseases, Childbirth, Miscarriage, Provoked Murder or Assault, Traveling as an aircraft crew, Aerial Activities, Martial Arts & Boxing, Racing, Radiation, Nuclear Weapons materials, Intoxication by Alcohol and Drugs.