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Comprehensive Personal Accident Insurance, Travel Insurance, Senior Gold PA Insurance Policy arranged by Malaysia Medical Insurance Organisation (MMI)



Personal Accident Insurance Policy (PA)
Should You Have Personal Accident Cover?

Life can be cruel sometimes, and as much as we’d like to pretend otherwise, accidents do happen. Personal accident cover can protect you financially if you find yourself unable to work due to the in ...
juries sustained in an accident. Here’s what you need to know about personal accident cover.

What Is Personal Accident Cover?

This type of cover is often mixed up with accidental death cover (which pays a lump sum to your beneficiaries if an accident causes your death) but the two are actually quite different. Personal accident cover protects you if injuries sustained in an accident stop you from working, provided that the injuries are external and visible and have occurred as the direct result of an accident.

Most policies will pay up to 75% of your income, as long as you’re off work for longer than the minimum number of days specified in the policy. For most policies, you can choose for benefits to be paid for either one or two years, or right up until retirement, depending on the severity of the injury and how badly it affects your ability to work on a long-term basis.

Why You Need It

Accidents happen every day, and no matter how careful you are, you can’t guarantee that they won’t happen to you. Taking out personal accident cover can offer you valuable peace of mind if an unexpected injury means that you can’t go about your normal work.

Personal accident cover could prove to be particularly crucial if you’re self-employed and aren’t entitled to paid sick leave as it would most likely be your only option other than dipping into savings to keep you afloat.

What Isn’t Covered?

There will often be exclusions in terms of what is and isn’t covered by the policy. For example, injuries that are self-inflicted won’t usually be covered and some policies may exclude dental injuries. Sickness isn’t covered by a personal accident policy, so you’ll need to look at other types of cover if you want to be protected from inability to work due to sickness rather than an accident.

Personal accident insurance is often confused with accidental death insurance but the two types of insurance are actually quite different. While a personal accident policy pays benefits to protect against loss of income after an accident, an accidental death policy is similar to a life insurance policy, and pays a lump sum to dependents if you’re involved in a fatal accident.

If you’re worried about how you would survive financially if an accident left you unable to work for even a relatively short period of time, personal accident insurance is definitely something that you should strongly consider. This is particularly true if you’re self-employed and wouldn’t receive sickness benefits to tide you over until your return to work.

Even if you never need to claim, the reassurance that you won’t be forced into debt if accident-related injuries stop you from working can be invaluable, and there are tax benefits too. Look into all your options and compare policies carefully to get the best cover for you, at the best price.
Personal Accident

PA insurance is an annual policy, which provide compensation in the event of injuries, disability or death caused solely and independently due to accident.

The type of coverage that is normally provided under PA policy include:

Accidental Death
Accidental Permanent Disablement
Temporary Total or Partial Disablement
Medical Expenses
Hospitalisation Benefits
Funeral Expenses
Weekly Indemnity
Repatriation Benefits

What is travel insurance?

This insurance caters to the needs of the traveller. The policy is usually very versatile. It can provide in one package for death, disablement, medical expenses, personal liability, baggage lost, damaged or delayed, loss of personal money, travel cancellation due to accident or sickness, unused travel arrangements due to accidents or sickness and/or delay due to strikes or hijacks.

As the travel insurance package could contain various combinations of these types of protection, it is wise to study the policy to find out what is covered and for how much.

What if I have a Personal Accident policy, do I still need to cover myself for accidents under the travel insurance?

Generally, PA insurance policy will cover for accidents, whether the policyholder is on business or pleasure anywhere in the world. It, however, does not cover illnesses and 'dangerous' sporting activities like parachuting or hang-gliding.

Information on making the right choices when buying insurance

It is important to know what insurance is and what its role is. As a well-informed
insurance consumer, you will not only spend your ringgit wisely but can also save
money in the long run.

What is insurance? The idea is that if a large number of people each pay some money into a pool, then size-able sums can be drawn from the pool to ease the hardship of those who might suffer losses.

In practice, insurers manage the premium money paid by policyholders. In good years, when claims are few, insurers are able to build up reserves of money to cater for bad years when claims are heavy.

Types of insurance

For the individual, there are many types of insurance available to best meet his needs. It is important for each individual to review his insurance requirements on a regular basis.

Personal Accident

When the policyholder suffers accidental bodily injury or death, the benefits normally provided under a PA policy are:


  • Death Benefit pays a lump sum to the policyholder's beneficiary if he dies due to accidental causes


  • Permanent Disablement Benefit pays a lump sum to the policyholder should he suffer permanent physical disability rising from accidental bodily injury. Some policies provide a scale of percentages of the lump sum payable, depending on the extent of the disability whilst others only for a specified injury or loss eg loss of an eye or a limb.


  • Temporary Disablement Benefit normally makes a weekly payment to the policyholder if he is prevented by injury from working. Most policies limit payments to a specified number of weeks.


  • Medical Expenses Benefit pays for the consultation and hospitalisation costs incurred for the treatment of an injury.

Personal liability

A personal liability insurance policy can provide indemnity to the policyholder if he is held legally liable for unintentionally causing damage to property or injury and so, become responsible for compensating the victim.

Most personal liability policies also cover the personal liabilities of the policyholders' family members who reside with him or her.

This policy is intended to protect the man in the street. It does not cover professional liabilities of for examples medical practitioners or lawyers who are liable for loss or damage due to professional negligence. These liabilities are covered by more specialised insurance known as professional indemnity insurance.

Personal Valuables

An 'All Risks' insurance policy is available for items like jewellery, watches, antiques and works of art. This policy can be purchased to cover the valuables on an indemnification or more usually on an 'agreed value' basis against any loss or damage.

This 'All Risks' cover has a list of specified exclusions. Most insurers will demand a valuation before agreeing to insure any items of high value.

Tips on buying insurance for the individual


  • When sourcing for an insurance company, look for one that provide good security, a reputable claims services, reasonable prices and prompt documentation


  • If getting the assistance of an insurance agent, make sure that he/she is a PIAM registered agent. There are about 20,000 registered general insurance agents in the country. When selecting an agent, look for prompt, efficient and helpful service.


  • Obtain and compare several quotations before committing to an insurance policy.
  • After making a decision to purchase a particular policy, read the policy when your receive it. If any item in the document is not in order, the policy holder is advised to query this directly with the insurance company and request the necessary amendments to be made.


  • The policy that is purchased is a legal contract and would be required in the event of a claim. Hence, it is preferable to keep this document which lists the insurance taken out and the risks cover in a secure place.




AXA Smart PA - Personal Accident Insurance
AXA Smart PA - Personal Accident Insurance

AIG Personal Guard Personal Accident Insurance Pla
AIG Personal Guard Personal Accident Insurance Plan

MSIG Senior Citizen Personal Accident
MSIG Senior Citizen Personal Accident

Zurich Senior Gold Insurance Plan
Zurich Senior Gold Insurance Plan

Allianz Shield Personal Accident Insurance
Allianz Shield Personal Accident Insurance

AXA SmartCare VIP Personal Accident
AXA SmartCare VIP Personal Accident

Malaysia Medical Insurance Organization (MMI)
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Malaysia Medical Insurance Organization (MMI)
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MMI careline +603-92863323

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