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You need Personal Accident Insurance

Updated: Nov 30, 2021

Will death and disability due to a serious accident leading your family towards financial difficulty?? If you are the sole breadwinner, or you and your partner is contributing significantly to your family, then the answer is most likely a yes. Yes!! You need Personal Accident Insurance!!!

Good morning, I am Moses from THE INSURANCE GUYS. Remember to click “LIKE” on our Facebook page and Subscribe to our Youtube Channel “Gratitude Life and Takaful Insurance”

When we plan for our insurance coverage, normally what are the plan we consider 1st? Hmmm…. Let me guess. Life coverage, medical insurance and maybe critical Illness. How many of us have thinking about putting in Personal Accident Insurance in our coverage as well?? Need meh?? So important?? Hmmm….

What is Personal Accident Insurance or PA? PA is a comprehensive general insurance plan that provides you with financial support and protection in the case of sudden and unforeseen accidents.

Ohh… Like that har…. Wait. I got medical card and life insurance ma. Cover accident also. Why I still need to buy PA??

I KNOW!! You sure will say like this… do you still need a PA then?? Well… depends. There are some of us who need it and some of us, maybeee you… who are lucky enough to never need it. But… you never know?? Accident won’t tell you “ Hey dude!! I’m coming to get you today…. Muahahahaha..”

The difference between PA insurance and life insurance or medical and health insurance is the cause of injury or death. PA insurance does not cover injury or death due to natural causes, such as illnesses like life insurance does. In the same way, life insurance doesn’t cover accidents that do not result in death. This is why a personal accident policy works as a supplement to life insurance. To protect you and your family in the event of an accident that renders you unable to generate income or worse causes your death. This is why it’s a good idea to have both PA and life insurance – to cover your loved ones no matter what happens.

Ooohh.. now I understand. So… your PA got cover what?? In AIA, our PA covers accidental death and permanent disablement from RM300K to RM 3mil. We also cover death due to infectious disease from RM60K to RM600k. Daily hospital allowance from 150 per day to 300 per day up to 365 days per accident from the date of the accidents.

Besides, our accidental death and permanent disablement benefits will increase by 10% on each renewal year up to a max of 100%. Wow… double the benefits… Besides, we cover broken bones and burns benefit up to RM50K and Weekly Indemnity Benefits up to RM 300 per week for 52 weeks.

Cover so many things sure very-very expensive one…!! No worries… our premium starts from RM52 a month for a basic plan. And of course, you can add in additional coverage and benefits in the plan for better coverage for yourself and your family members.

Ok. What you waiting for?? Think again. If you are the sole breadwinner, or you and your partner is contributing significantly to your family and the loss of income due to a serious accident will lead your family to a stressful financial situation. Feel free to give me a call on the number below.

My name is Moses from the Insurance Guys.

Thanks and have a nice day.

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