Personal Accident Insurance

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Personal Accident Insurance

Accidents happen in life. Based on the accident, you could end up spending more than you have, changing your life profoundly in the process. As a breadwinner or primary caregiver in your family, it never hurts to have extra coverage.

Fincrew, personal accident insurance plans are created in a way that gives you one less thing to worry about while you go about your daily business. Accidents can happen in the blink of an eye. However, the coverage we offer ensures you have a financial failsafe you can quickly fall back on. Since accidents can happen anytime, you must prepare yourself for personal accidents and the resulting medical expenses. One way to do this is to check out the various personal accident insurance plans available and pick the right one for you.

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Occupation

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Yearly Budget

Spouse's date of birth

Spouse's Occupation

Child 1

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Child's Occupation

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*All Personal Accident Insurances are Eligible for Malaysians, Permanent Residents, Employment Pass/Work Permit Holders and Dependant(s) of Pass Holders, excluding overseas secondment & students studying overseas.

Personal Accident Insurance FAQ
  • What is Personal Accident Insurance?
  • Who is eligible to purchase personal accident Insurance?
    All Malaysians, Malaysian permanent residents, work permit holders, pass holders or otherwise legally employed in Malaysia. Person age is depended on the respective insurance’s plan.
  • Is medical expenses benefit payable per disability?
    Yes, the respective pay up to the sum insured for medical expenses for each accident and the limit is as per the respective insurance company’s plan.
  • Will this policy still pay if I have other similar insurance policies?
    Yes, the respective insurance company will pay in addition to any other policies you may have except for medical expenses which have been reimbursed by other policies.
  • How does Double Indemnity work?
    Double Indemnity means benefit payable will be doubled if the Insured Person suffers death or permanent disablement due to an accident while travelling as a fare-paying passenger on a public mode of transportation.
  • 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 % Renewal Bonus of the Principal Sum Insured will be rewarded. Only claims under Accidental Death or Permanent Disablement will affect your Renewal Bonus.
  • How long is the coverage duration of Personal Accident Insurance?
    Personal Accident Insurance will provide coverage for one (1) year.
  • How do you classify Occupation?
    Occupations are classified into 3 classes as follows:

    Occupation Class 1
    Persons engaged in professional administrative, managerial, clerical and non-manual occupations

    Occupation Class 2
    Persons engaged in work of supervisory nature but not involved in manual labour

    Occupation Class 3
    Persons engaged either occasionally or generally in manual work which involves the use at tools or machinery
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