PA insurance quote, premium and benefits

In the previous article we listed out six insurance companies for you to compare their price and the benefits that you can get if you purchase the insurance package from them. Here is the continuos list of insurance companies for you to compare.

7. MSIG Insurance Malaysia Bhd

The table above shows some of the personal accident insurance policies under MSIG Insurance Malaysia Bhd. Both of the personal accident policies have almost similar compensation benefits against any accidental injuries. The special additional benefit under Premier Guard is double indemnity of the total compensation either caused by death or permanent disability. For personal liability, under Premier Guard, all plans offer RM200,000 of the total amount of compensation that can be claimed by the policy holder. However, under Prime PA, the total amount of personal liability is lesser than Premier Guard in which there’s only RM100,000 of the total compensation under personal liability category. Another additional benefit under this plan is that there is blood transfusion benefit that is caused by HIV.

8. The Pacific Insurance Berhad

Pacific Master Protector & Pacific Super Protector are among the personal accident policies under The Pacific Insurance Berhad. Pacific Super Protector offers a higher amount of medical reimbursement. Not just that, the total amount of personal liability compensation under this plan is also higher compared to Pacific Master Protector. The special additional benefit under this policy is that the policy holder is entitled for daily hospital cash benefit. For Pacific Master Protector, the policy holders can also get compensation for any traditional treatments that they received for treating any accidental injuries. The total amount of annual premium required to buy Pacific Super Protector is slightly higher compare to Pacific Master Protector as the total amount of the compensation offered under this policy is higher.

9. Lonpac Insurance Bhd

Lonpac Insurance Bhd is also one of the insurance companies that provides personal accident insurance such as Flexi Care PA & Secure Protector. The total compensation for any accidental death benefit for both policies is similar but Secure Protector offers a higher amount of medical reimbursement compared to Flexi Care PA. However, Flexi Care PA policy provide double indemnity towards the policy holder compare to Secure Protector. Not just that, there is also personal liability compensation for a total of RM200,000 for every plans under this policy. Additional benefit under Flexi Care PA is a compensation against kidnap benefit. For Secure Protector, there is a special additional benefit attached with this policy in which the insurance policy will pay 10% of the principal sum for bereavement allowance in the event of death caused by or in consequence of Dengue Fever, Malaria, Japanese Encephalitis (JE) or Chikungunya.

10. MPI Generali Insurance Berhad

The table above shows two personal accident insurance policies under MPI Generali Insurance Berhad. Multi Lucky Personal Accident policy gives a higher amount of accidental death benefit, medical expenses and reimbursement compare to the Multi PA Protector. Not just that, the total amount of personal liability for this plan is much higher compare to Multi PA Protector. The unique feature under this policy is that in case of an accidental permanent paralysis disability, there’s a lump sum of 200% of your Capital Sum Insured will be made payable based on the plan was selected. Thus, in case of accidental death or permanent disability, the insurance company may give compensation of financial obligation on housing loan or motor loan up to 6 months. The special benefit under Multi PA Protector is that the policy holder is entitled for traditional treatment benefit.

11. Allianz Malaysia Berhad & Zurich Insurance Malaysia Berhad

The table above illustrates the Allianz Shield & PATINA2016 personal accident policies under Allianz Malaysia Berhad & Zurich Insurance Malaysia Berhad. The difference between these policies is that Allianz Shield is a conventional type of personal accident plan while PATINA2016 is a takaful plan that obeys the Shariah guidelines. The total compensation provided for any accidental death for PATINA2016 is higher than Allianz Shield. Same goes for the amount of the medical reimbursement. However, for Allianz Shield there’s personal liability benefit provided but not under the PATINA2016. The additional benefit under Allianz Shield is the kidnap benefit and for PATINA2016, there are compensation provided for broken bones or burn per annum. Roughly both policies have different features and the total annual premium for PATINA2016 is a lot higher compared to Allianz Shield.

12. Kurnia Insurance Malaysia Berhad & Oversea Assurance Corporation Malaysia Berhad

PA Supreme is a personal accident policy under Kurnia Insurance Malaysia Berhad while OAC Easi-Protector is a personal accident policy under OAC Malaysia Berhad. The accidental death benefit provided under PA Supreme is lower than OAC Easi-Protector. Thus, the amount of medical reimbursement for OAC Easi-Protector is higher compare to the other policy. The advantage for PA Supreme is that there’s double indemnity provided under this policy but not under OAC Easi-Protector. The total amount of personal liability benefit provided under PA Supreme is slightly lesser than OAC Easi-Protector. The additional benefit under PA Supreme is that there’s an overseas medical benefit provided under this plan while for OAC Easi-Protector there’s compensation provided for permanent disablement & bereavement allowance towards the policy holder. Lastly the total amount of annual premium for OAC Easi-Protector is a bit higher compared to PA Supreme.

*Low risk groups such as white collar and those who hold desk jobs with minimal interaction with power tools, profesionals like doctors, architects, teachers and lawyers.

**High risk groups such as mine workers(in underground mines), engineers working with high tension power supplies, dangerous sports like river rafting

PA Insurance Part 1

Medical Card Part 1

Medical Card Part 2

Every insurance companies have their own insurance policies, read carefully and be aware of it. Click on the company or visit LookP.com for complete information of the insurance company and leave a review on their business pages so that other users will be able to refer to it.