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Personal Accident Plan With Wide Coverage

Enjoy comprehensive protection for you and your family 24/7 anywhere in the world

SmartPA Enhanced

Plan ahead with SmartPA Enhanced. It secures you and your family with a wide range of coverage and benefits to ensure you have comprehensive protection against the unexpected.

Key benefits explained
  • Double payout up to RM 2 mil

    Pays double the sum insured for accidental death or permanent disablement travelling on a public transport, travelling overseas, during festive season or being a victim of snatch theft or robbery.

  • Renewal bonus up to 120%

    Principal sum insured for Accidental Death/Permanent Disablement will increase 15% per year up to 120% upon renewal of insurance provided there is no claim under Accidental Death or Permanent Disablement.

  • Renewable up to age 100

    You are eligible to buy up to age 69 and the policy is renewable up to age 100 ensuring continuous protection into your golden years.

  • Hassle-free cashless admission to panel hospitals

    Guarantees up to RM 12,000 for admission at panel hospitals in Malaysia due to an accident. You just need to show your identity card.

  • Family Plans Privilege

    Extend the protection to your spouse and family with unlimited number of children and enjoy 3 times sum insured with double payout up to RM 6,000,000.

  • Covers snatch theft and robbery

    Pays up to RM 500 for loss or damage to personal items due to snatch theft or robbery.

  • No Claims Discount

    Get a 10% discount on your renewal premium if you do not make any claims on your policy.

  • Daily Hospitalization Allowance

    Up to RM 250 daily cash allowance is paid each day to a maximum of 180 days for hospitalisation due to accident. This is on top of the Medical Expenses payout

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What we do not cover

1. Any unlawful act, willful exposure to danger, suicide or intentional self-injury
2. Any pre-existing physical or mental defect or infirmity, illness, disease, bacterial or viral infections
3. HIV and/or any HIV related illness including AIDS and/or any mutant derivatives
4. Effects of drugs not prescribed by a Physician
5. Pregnancy or childbirth

For the full list of Benefits and Exclusions, kindly refer to our Policy Wording, available for download below.

Important product details
Underwritten by AXA Affin General Insurance Berhad