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Enjoy comprehensive protection for you and your family 24/7 anywhere in the world
Enjoy comprehensive protection for you and your family 24/7 anywhere in the world
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.
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.
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.
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.
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.
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.
Pays up to RM 500 for loss or damage to personal items due to snatch theft or robbery.
Get a 10% discount on your renewal premium if you do not make any claims on your policy.
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
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.
SmartPA Enhanced Brochure.pdf
999 KB
SmartPA Enhanced Brochure BM.pdf
917 KB
SmartPA Enhanced Brochure CHI.pdf
1444 KB
SmartPA Enhanced_SPAEPL02 19062020.pdf
343 KB
SmartPA Enhanced - PDS_FSA.pdf
72 KB
Proposal Form - SmartPA Enhanced V3.pdf
161 KB
In appreciation to its loyal customers, AXA Malaysia (AXA Affin General Insurance Berhad & AXA Affin Life Insurance Berhad) will be absorbing the 6% goods and services tax (GST) to all its policyholders, as follows:
For more information, please click here to contact us.
Important Notice :
Please be informed that Service Tax will be implemented by the Government of Malaysia with effect from 1 September 2018 at a rate of six (6) per centum.
AXA Affin Insurance Malaysia reserves the right to collect from you an amount equivalent to the Service Tax payable on the applicable premium for the policy period, or in the event that the policy period commences before but expires after 1 September 2018, to collect from you an amount equivalent to the Service Tax payable on the applicable premium calculated from 1 September 2018 on a pro-rated basis.
Your obligation to pay Service Tax shall form part of the Terms and Conditions in your insurance policy.
The laws governing Service Tax are as per the Service Tax Act, 2018 and all Regulations passed by the Government of Malaysia from time to time.
For more info on taxable services under the Insurance & Takaful industry, kindly click here (Reference: B. Service Tax – Item 9)
Notis Penting :
Dimaklumkan bahawa Cukai Perkhidmatan akan dikuatkuasakan oleh Kerajaan Malaysia pada 1 September 2018 pada kadar enam (6) peratus.
AXA Affin Insurance Malaysia berhak memungut sejumlah amaun bayaran Cukai Perkhidmatan yang dikenakan ke atas premium yang ditetapkan semasa tempoh polisi, atau sekiranya tempoh polisi bermula sebelum dan berakhir selepas 1 September 2018, memungut daripada pemegang polisi amaun Cukai Perkhidmatan secara pro-rata yang dikenakan ke atas premium yang dikira bermula 1 September 2018.
Kewajipan membayar Cukai Perkhidmatan hendaklah tertakluk kepada Terma dan Syarat di dalam polisi Insurans anda. Undang-Undang yang mentadbir Cukai Perkhidmatan adalah Akta Cukai Perkhidmatan, 2018 dan segala Peraturan yang diluluskan oleh Kerajaan Malaysia dari masa ke semasa.
Untuk maklumat lanjut tentang Cukai Perkhidmatan yang dikenakan di bawah industri Insurans & Takaful, sila klik sini. (Rujukan: B. Service Tax – No. 9)
