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.

PA 500 - Making your future brighter

Let show you the way. What can be better than a GUARANTEED INCOME BENEFIT FOR UP TO 20 YEARS? This is in addition to the Death Benefit payable for any causes as well as the Medical Reimbursements. Sound too good to be true? Well, it's actually better!

So, secure a better future for your loved ones. You'll know you're at peace when you have made a wise decision. And you can't get any wiser than obtaining PA 500 - today!

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TABLE OF BENEFITS & PREMIUMS

Benefits

25,000

650

10,000

50

2,000

17.00

PRODUCT FEATURES

1. ACCIDENTAL DEATH BENEFIT - Pays the Principal Sum Insured in the event of accidental death (occurring within 12 months of accident).
2. ACCIDENTAL PERMANENT DISABILITY - The company will pay up to the Principal Sum Insured in the event of Permanent Disability due to an accident (occurring within 12 months of accident) as stated in the Schedule of Benefits for Death & Permanent Disability.
3. MONTHLY INCOME BENEFIT (DUE TO ACCIDENT) - In the event of accidental death or permanent disability (* as defined below only), the company will pay the insured or nominated beneficiaries a Monthly Income Benefit up to a maximum of 20 years from the date of the accident. This benefit is payable on top of the Accidental Death & Permanent Disability Benefit. * a) Permanent total loss of sight of one eye, b) Permanent total loss of sight of both eyes, c) Loss of or permanent total loss of use of one limb, d) Loss of or permanent total loss of use of two limbs, e) Permanent total loss of speech and hearing, f) Permanent and incurable insanity, and g) Total paralysis.
4. DEATH BENEFIT (NATURAL OR ACCIDENTAL CAUSE) - MAA will pay the full amount of this benefit in the event of death due to any cause.
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. 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.

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EXTENDED COVERAGE

• Motor Cycling
• Disappearance

• Natural disasters including La Nina, El Nino, Flood & Earthquake

• 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

• Strike, Riot and Civil Commotion
• Murder and Assault (unprovoked)
• Drowning
• Suffocation through smoke fumes or poisonous gas
• Food and Drink poisoning

FREQUENTLY ASKED QUESTIONS

1. WHO IS ELIGIBLE TO APPLY FOR PA 500? Anyone aged between 18 to 55 (last birthday age) can apply.
2. 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.
3. HOW DOES ONE BECOME ENTITLED FOR MONTHLY INCOME BENEFIT? There are two scenarios where Monthly Income Benefit is made payable:- i) In the event of Permanent Disability due to an accident (as specified in the policy contract under Monthly Income Benefit clause), MAA will pay the insured a Monthly Income Benefit as specified for a maximum of 20 years. Should the insured suffer loss of life after the Company has started paying the Monthly Income Benefit, the remaining monthly payments will be payable to the nominated beneficiaries of the deceased, and ii) In the event of accidental death, MAA will pay the nominated beneficiaries of the deceased a specified monthly income for a maximum of 20 years.
4. DO I HAVE TO CONTINUE PAYING THE PREMIUM IN ORDER TO ENJOY THE MONTHLY INCOME BENEFIT? NO. You do not have to pay the premium anymore.
5. ARE THERE ANY EXCLUSION? YES. The exclusions include the following:- War, Civil War, Terrorism, AIDS and diseases including dengue fever, Japanese Encephalitis, Childbirth, Miscarriage, Provoked Murder or Assault, Traveling as an aircraft crew, Aerial Activities, Martial Arts, Racing, Radiation, Nuclear Weapons materials, Intoxication by Alcohol and Drugs.