Smart Care VIP

It’s the only Personal Accident plan that you’ll ever need.

Sign up today for AXA’s comprehensive personal accident coverage with optional loss of income benefit!

With SmartCare VIP, you can create an immediate emergency fund to protect you and your family 24 hours a day, anywhere in the world.

* High Annual Sum Insured for Accidental Death
Choose from 3 plans with Sum Insured of RM1 million, RM2 million or RM3 million.

SmartCare VIP will pay cash benefits in the event of accidental death or total permanent disablement. This benefit will help you and your family make the necessary adjustments to the loss of income for a period of time. Choose amongst the three plans that will suit you most.

* Total Permanent Disablement
Accidents happen but very few of us plan for such unfortunate events. With SmartCare VIP, you will receive cash benefits that will help you and your family through this difficult time.

* Medical Benefits payable per accident
SmartCare VIP takes care of all the necessary medical treatment due to accidents. It covers hospitalisation and clinical treatment, wherever you are. In addition, if you choose alternative treatments, this plan also covers Chinese medication and services of a bonesetter

This plan also pays for prostheses as well as crutches and wheelchairs, and post-hospitalization weekly nursing care to ensure you get back on your feet as soon as you can.

* Personal Liability
SmartCare VIP will also cover your liabilities, should you be liable to pay a third party for accidental bodily injury or accidental property damage.

* Repatriation and Funeral Expenses
In the event of death due to accident while overseas, SmartCare VIP pays for repatriation expenses, or for local cases, funeral expenses.

* Bereavement Benefit of RM5,000 for Death due to Dengue Fever

* Optional benefits

SmartCare VIP gives you the option of receiving weekly payments if you are unable to attend to your usual occupation as a result of an accident

Table of Benefits

Benefits Plan 1 Plan 2 Plan 3
1. Accidental Death RM1,000,000 RM2,000,000 RM3,000,000
2. Permanent Disablement RM1,000,000 RM2,000,000 RM3,000,000
3. Medical Expenses Including RM10,000 RM20,000 RM30,000
3.1 Western Hospitalisation, Surgical & Clinical Treatment      
3.2 Chinese Physician Treatment (max RM50/visit/day, RM500 pre accident)      
3.3 Weekly Nursing Care Charges (max RM1,000 per week, RM4,000 per accident)      
3.4 Prostheses (max RM3,000 per accident)      
4. Personal Liability RM500,000 RM1,000,000 RM1,500,000
5. Bereavement Benefit due to Dengue Fever RM5,000 RM5,000 RM5,000
6. Repatriation of Funeral Expenses RM10,000 RM15,000 RM20,000
Anuual Premium
Class 1 RM888 RM1,688 RM2,488
Class 2 RM1,338 RM2,588 -
Optinal Benefit
Temporary Total Disablement RM500 RM750 RM1,000
Anuual Premium
Class 1 RM100 RM150 RM200
Class 2 RM150 RM225 -

Nature of Work – Classification of Occupation:
Class 1 - Professions and occupations involving non-manual, administrative solely in offices or similar non-hazardous places.
Class 2 - Professions and occupations involving non-manual work where there is some exposure to risk from the environment


Frequently Asked Questions

Who is eligible to join?

Individuals carrying out work under Class 1 occupation are eligible for Plan 1, 2 & 3 whilst those under Class 2 occupation can insure under Plan 1 and 2.

What is the age limit?

Any person aged from 18 to 65 years old, renewable up to 75 years

Is the Medical expenses benefit payable per disability?

Yes, we will pay up to the sum insured for medical expenses for each accident and there is no limit to the number of claims made in any one year.

Does this plan offer weekly benefits in the event I am unable to work temporarily as a result of injuries due to an accident?

Yes, you may opt to buy an additional cover by paying a little more premium starting from RM100.

Does the premium increase at each renewal?

No, this premium is fixed and payable on a yearly basis, regardless of the age of the Insured Person.

Please explain what is claimable for Chinese Physician treatment under Medical Expenses Benefit?

We will pay for treatment by Chinese herbalists/bonesetters provided they are registered Chinese Physicians. The insured is required to submit original receipts and we will reimburse the expenses incurred.

For more information, please call us at 03-2055 9733 or 03-2731 5338/5384 or you may download, complete and fax the Proposal Form to 03-2026 4090.

Please click the following for more information on:

Retail Internet Banking

Corporate Internet Banking

Contact Us

Call Centre
03-5522 3000

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