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. 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.

If you wish to apply for the MAA Payback Personal Accident 100 coverage, just instruct us by e-mail and we will be sending you the Official Application Form

Introduction

Under this special MAA Payback Personal Accident 100, you will receive 100% cash back on all premiums paid (based on annual mode premium).

All you need to do is simply pay an affordable amount to get the protection that you require.  Upon maturity (after 20 years), you will get back all premiums you have paid (based on annual mode premium), should there be no claim made. In addition, you will find that this is the most flexible plan where you  can terminate your policy at any time and receive a cash value.  A policy that is terminated within the first three (3) years will not have any cash value. If the policy is terminated in the early years, you may get back less than the amount you have already paid.

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What's so good about it?

Pays in the event of Accidental Death or Disability as per the following:

• Permanent total loss of sight of both eyes

• Permanent total loss of sight of one eye

• Loss or permanent total loss of use of 2 limbs

• Loss of or permanent total loss of use of 1 limb

• Loss of speech and hearing

• Permanent and incurable insanity

• Total and permanent disability

# DOUBLE INDEMNITY

Pays double the Accidental Sum Assured upon Death or Disability due to traffic accident at any Toll Highway/Expressway* in Malaysia. For example: North South Highway, New Klang Valley Highway, Seremban Port Dickson Highway, Damansara Puchong Highway (LDP), Karak Highway, KESAS, SPRINT and many more...

*Toll Highway/Expressway is defined as Toll Expressway in operation which is under the supervision of Malaysian Highway Authority/Lembaga Lebuhraya Malaysia and is listed in the latest annual report of MHA/LLM at the time of claim.

# DEATH AND TOTAL & PERMANENT DISABILITY BENEFIT (ANY CAUSE)

Pays in the event of Death or Total & Permanent Disability due to any cause.

# CASH VALUE BENEFIT

A policy that is terminated within the first three years will not have any cash value. If the policy is terminated in the early years, you may get back less than the amount you have already paid.

# MONEYBACK GUARANTEE

Upon maturity (at the end of the 20th policy year), should there have been no claim made, the total amount of premiums paid (based on annual mode premium) will be refunded.

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TABLE OF BENEFITS & PREMIUMS

Benefits

*OCCUPATION CODE - based on the latest insurance company's Occupational Ratings guidebook. If you have more than one occupations, the most hazardous occupational rating will apply.

EXTENDED COVERAGE

• 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

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

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

EXCLUSIONS

• 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 and Nuclear Weapons material

• Intoxication by alcohol and drugs

FREQUENTLY ASKED QUESTIONS

WHO IS ELIGIBLE TO APPLY?

Minimum and Maximum age limits for the Life Assured are set from 10 to 55 years old (last birthday) respectively.  A person whose age is 18 and above is eligible to apply.

DOES THIS POLICY PAY IN ADDITION TO OTHER INSURANCE PLANS THAT I HAVE?

Of course, it does. This policy will pay on top of any other existing policy that you may have.

HOW WILL I RECEIVE MY MONEY BACK?

Upon maturity, MAA will issue a cheque amounting to a 100% refund of the premiums paid (based on annual mode premium). This will be sent to you immediately.

WILL I GET SOME MONEY BACK SHOULD I CANCEL THE POLICY BEFORE IT MATURES?

Yes. The Cash Value Benefit amount will be stated in your policy contract based on the years the policy is in force.