WHAT DOES PERSONAL ACCIDENT ACTUALLY COVER?

I find that some people don't really know what a personal accident plan actually covers. They think that personal accident only pays us for injuries that happen on the road. In fact, the coverage of personal accident is very much wider.

According to a brochure by AIA Berhad, personal accident plans generally have the following benefits:

1. The definition of accidental injury does not require qualifying words of violent external visible means.
2. Injuries caused by gas inhalation, drowning or similar misfortune with no external sign of injury.
3. Food poisoning.
4. Immediate death or injury caused by harmful insects or snake bites.
5. No exclusion on intoxication.
6. Injuries resulting from hobbies on any sports or games.
7. Death or injury by murder or assault.
8. Injured as a non-participant in riots and civil commotion.
9. Injuries caused directly or indirectly by fire.
10. Motor cycling risk.
11. Injuries while on board as a passenger on scheduled or non-scheduled licensed flights.
12. Injury while on board as a passenger on military air transport service of any Government anywhere in the world.
13. Skyjacking risks.
14. Injury caused by natural perils like earthquake, volcanic eruption, tidal wave, floods or lightning etc.
15. Injury resulted from radio-active emission.
16. Grace period of 31 days provided. No worry for due dates.
17. Renewal bonus of 5 % on the original Accidental Death And Dismemberment sum assured (maximum RM 300,000) for 8 years.
18. No medical examination is required when applying.
19. No territorial limitation (except war zones).
20. World wide claim services.

However, some of the 20 benefits above may not be found in certain personal accident plans. For example, the 17th benefit (renewal bonus) can't be found in Easy Cover PA.