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SmartCare Prime
Personal Accident

 

SmartCare Prime, a personal accident insurance plan is designed for your family to cope financially during trying times. It helps cover the immediate costs arising from accident - 24 hours a day, everyday, anywhere in the world - at work, home, school, traveling or on holiday.

  • Death and disability
    In the event of any accidental death and total or partial permanent disablement, SmartCare Prime will pay cash benefits.
  • Medical expenses
    In the event you require medical treatment from a clinic due to an accident, SmartCare Prime will pay your medical expenses.
  • Chinese medication expenses
    For a treatment by a registered Chinese herbalist/bonesetter, you will also be paid up to RM300 for every policy year on top of the medical expenses, provided that your initial consultation is by a registered medical practitioner.
  • Daily hospitalisation allowance
    A daily cash allowance is paid for each day when you are hospitalised - in addition to your medical bills.
  • Weekly nursing care charges
    A weekly cash allowance is paid for a special nursing care if post-hospitalisation nursing care is considered necessary by the hospital.
  • Immediate cash relief for fatal accident
    If you lose your life in an accident, SmartCare Prime will pay a lump sum of emergency cash to your next of kin.
  • Repatriation
    If you meet with an accident in another country, SmartCare Prime will reimburse the cost of repatriating your remains to Malaysia.
  • 15 Special coverage
    Motorcycling, Murder and assault (unprovoked), Drowning k Disappearance, Exposure to weather element, Suffocation through smoke, fumes and poisonous gas, Food and drink poisoning, Amateur sports, Hunting on foot, Mountaineering (not involving the use of ropes or guides), Strike, riot and civil commotion, Hijacking, Poisonous insect or snake bites, Intoxication, Terrorism (excluding the use of biological and chemical substances).

 

Table of Benefits

BENEFITS
PLAN 1
PLAN 2
PLAN 3
1. Accidental Death
2. Accidental Permanent Disablement
3. Accidental Medical Expenses
  1. Medical Expenses
  1. Chinese Medication Expenses (maximum RM30/ consultation/ day)
4. Daily Hospitalisation Allowance (maximum 50 days)
5. Weekly Nursing Care Charges (maximum 4 weeks)
6. Immediate Cash Relief
7. Repatriation (reimbursement) RM50,000
RM50,000
RM50,000
 
RM3,000
RM100
RM50/day
RM500/week
RM2,000
RM1,000
RM100,000
RM100,000
 
RM5,000
RM200
RM100/day
RM750/week
RM3,000
RM1,000
RM200,000
RM200,000
 
RM7,500
RM300
RM200/day
RM1,000/week
RM5,000
RM1,000
PREMIUM
Self Only
Self & spouse
Self & children
Self & family
RM86
RM130
RM115
RM169
RM163
RM244
RM217
RM315
RM315
RM465
RM432
RM625

Note:
1. Eligible age for children is from 1 to 18 years of age (or up to 23 years, if full time student).
2. Children are covered 10% for death and disability benefits and 100% for other benefits.
3. Only legal children can be insured (irrespective of number of children).

Frequently Asked Questions

Who is eligible to join?
 Any person ages 18 to 65 years old is eligible to join. The renewal age is up to 75 years.

Are there exclusions?
Only a few standard exclusions. Amongst others are: any unlawful act; willful exposure to danger; suicide; self inflicted injury; pre-existing physical and mental defect or infirmity; cosmetic surgery; pregnancy; childbirth; participating in dangerous sports; war; invasion; rebellion; and professional sports.

Are there any occupational exclusion?
The standard few are divers; police; naval; air force army/military; law enforcement officers; aircraft testers; pilots or crew; seamen and sea fishermen; racing drivers; jockeys; oil rig workers; sawyers and timber workers; firemen; steeplejacks; stevedores; persons engaged in demolition of buildings; persons engaged in ambulance services; woodworking machinists; explosive handlers; persons engaged in underground tunneling and mining; and professional sports persons.

 

Contact us at 03-2055 9931 or 03-2055 9936 or you may download, complete and fax the Proposal Form to 03-2026 4675.

 
All contents © 2007 Affin Bank Berhad.