Product Overview
Providing compensation for injuries, disability, or death caused by accidents, the policy covers snatch theft and funeral expenses, hospital income up to 365 days, a benefit for broken or fractured bones, as well as medical expenses for day care surgery. It is one of the most affordable lifestyle Personal Accident insurance plans, with renewability up to the age of 75 years.
*This product is exclusively for UOB cardholders.
What’s included
Discover the protection and benefits included in your plan.
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Easy Application
Exclusively designed for UOB credit cardholders.
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24 hour Worldwide Coverage
Valid for accidents around the globe except for snatch theft, applicable only within Malaysia.
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Fully-loaded Benefits
Payable in addition to other insurance policies that you may have with us, with affordable insurance plans.
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Cash Back Renewal Bonus
20% discount on premium paid upon renewal. Subject to “No Claim” on previous policy year.
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Liberty General Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). PIDM protects the benefit(s) payable under the eligible policy up to protection limits. Please refer to PIDM's TIPS Brochure or PIDM's Website, or contact our customer service.
Liberty General Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). PIDM protects the benefit(s) payable under the eligible policy up to protection limits. Please refer to PIDM's TIPS Brochure or PIDM's Website, or contact our customer service.
More Information
Browse these common questions to get the answers you need.
Highlights
- Eligibility : UOB customer & spouse between the age of 18 to 59, 6 months - 18 years of age for children (up to 25 years old if studying full-time).
- Easy enrolment for all Malaysians and permanent residents.
- No medical examination.
- Class 3 occupation (engaging in manual work) eligible for Plan A only.
- Policy renewable up to age 75 years.
- Premium at enrolment stays unchanged from the inception date.
- 24 hours world-wide coverage for accidents anywhere in the world, except for snatch theft which is applicable within Malaysia only.
- Affordable plan that pays on top of all other insurance.
- Cash Back Renewal Bonus – 20% on premium paid upon renewal subject to No Claim on previous policy and current policy is still in force.
Table of Benefits
| Benefits | PLAN A | PLAN B | PLAN C | |
|---|---|---|---|---|
| A1 | Accidental Death | RM250,000 | RM375,000 | RM500,000 |
| A2 | Permanent Total Disablement (PTD) – Accidental Disability Schedule of percentage payable a. PTD from gainful employment of any and every kind b. Loss of one or both Limbs c. Loss of one or both Eyes | RM250,000 | RM375,000 | RM500,000 |
| B | Daily Hospital Income due to accident per day up to 365 days | RM500 | RM750 | RM1,000 |
| C | Daily Hospital Income due to illness per day up to 365 days | RM50 | RM75 | RM100 |
| D | Snatch Theft Allowance (Within Malaysia) – once in a policy year | RM1,000 | RM1,500 | RM2,000 |
| E | Broken or Fractured Bone – due to accident Schedule of percentage payable a. Neck, skull or spine b. Hip c. Jaw, pelvis, leg, knee or ankle d. Cheekbone or shoulder e. Arm, elbow, wrist or rib f. Nose or collar bone g. Finger, thumb, foot, hand, or toe | RM4,000 | RM6,000 | RM8,000 |
| F | Funeral Expenses due to Accidental Death | RM1,000 | RM1,500 | RM2,000 |
| G | Medical Expenses for day care surgery – due to accident | RM4,000 | RM6,000 | RM8,000 |
| H | Cash Back Renewal Bonus (on premiums paid) | 20% of premium paid | ||
Monthly Premium
| Monthly Premium | |||
|---|---|---|---|
PLAN A (RM) | PLAN B (RM) | PLAN C (RM) | |
| Cardmember | 60.00 | 85.00 | 110.00 |
| Cardmember & Spouse | 105.00 | 150.00 | 200.00 |
| Family with 1 child | 150.00 | 215.00 | 285.00 |
| Family with 2 children | 195.00 | 285.00 | 375.00 |
| Family with 3 children | 245.00 | 355.00 | 470.00 |
| Cardmember with 1 child | 105.00 | 150.00 | 200.00 |
| Cardmember with 2 children | 155.00 | 230.00 | 300.00 |
| Cardmember with 3 children | 210.00 | 305.00 | 400.00 |
Note:
- 10% discount has been given for member & spouse and member & children premium.
- 15% discount has been given for member, spouse & children premium.
- The premium amount is before Service Tax and Stamp Duty.
- Duration of cover is for one year. You need to pay the insurance cover on a monthly basis via credit card instruction.
- Stamp Duty is not applicable.
- Occupation Class 3 – enroll Plan A only.
A Day of hospitalization - not less than 24 hours
"Reimbursement for day surgery"
"Day Care Surgery - surgery which is carried out by surgeon, but not on an inpatient basis and must be held in hospital or clinic. Day care surgeries that are pre-planned, non-emergency are considered elective and not payable under the policy."
Exclusion Clauses
Extension
Important Documents
To fully understand your insurance plan, please read these important documents. They provide crucial information such as coverage details, exclusions and your rights as a policyholder so you can make an informed decision.
Must-Read Documents
Product Disclosure Sheet (PDS)
A quick overview of the key details, terms, and exclusions for this plan to help you make an informed choice.
English PDF
Policy Wording
The full terms and conditions of your policy, including what’s covered, exclusions, and your responsibilities.
Other Documents
Nomination Form
Use this form to name who should receive your policy benefits
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