Personal Sentinel V3 Plus
Essential Protection for Your Loved Ones
Personal Sentinel Version 3 Plus is a yearly renewable personal accident insurance that provides compensation in the event of bodily injuries, disablement or death caused solely and directly by an unforeseen event.
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What benefits do I get?
High Accidental Permanent Disablement and Death Benefit up to RM1,000,000
Your sum insured as stated in your policy schedule will be paid in the unfortunate event of death or permanent disablement due to accidental injury.
Double Indemnity up to RM2,000,000
Extra protection which pays double of your sum insured for accidental death while travelling on a public transportation, e-hailing vehicle as a fare paying passenger, paralyze or death due to fire at own residence.
Optional Weekly Benefit up to RM500
Ease your financial burden with weekly compensation in the unfortunate events of temporary and permanent total disablement up to a maximum of 52 weeks.
Daily Hospital Income up to RM250
Supplement you with daily cash allowance of up to RM250 while you are hospitalised.
Emergency Cash up to RM5,000
Your loved ones will provided with immediate cash aid of upon your demise after submitting documents required.
Kidnap Benefit
In the event of a kidnap, a lump sum of RM5,000 will be paid to your loved ones to pay off expenses such as hiring private investigator to locate you. A reward of RM25,000 will also be provided to informant that leads to recovering you, provided that you are alive at the time of recovery.
Personal Liability Coverage up to RM2,000,000
Indemnify you if you are legally liable to pay any third party as a result of accidental bodily injury or damage to claimant properties.
Snatch Theft Coverage up to RM500
Snatch theft can happen anywhere, regardless or day or night. Fret not! Your loss will be reimbursed should you lose your personal belongings as a result of snatch theft.
Renewal Bonus up to 150%
Enjoy annual 15% principal sum insured increment for Accidental Death, Accidental Permanent Disablement and Double Indemnity benefits when you continuously renew your policy and the policy has not been lapsed in any one given year.
Accidental Medical Expenses Coverage
Your sum insured as stated in your policy schedule will be paid in the unfortunate event of death or permanent disablement due to accidental injury
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This benefit will reimburse you for any injuries that arise due to an accident. It covers your hospital room and board, clinical, outpatient, surgical treatment. Here are some of the key coverages:
- Cashless Hospital Admission up to annual limit up to RM15,000
- Traditional Treatment of RM50 per visit up to a maximum of RM1,000 to treat your injury. Best of all, no hospitalisation is required to entitle for this benefit.
- Medical and Post-mortem Report Fees up to RM150 to reimburse the cost to obtain these reports for claim processing
- Ambulance Fees up to RM500
- Reimburse your Hospitalisation Expenses for Dengue Fever, Malaria and Japanese Encephalitis up to RM15,000
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What are the available plans?
Personal Sentinel Version 3 Plus is available in 7 plans, it offers you the flexibility to customise your coverage to suit your needs.
BENEFIT DESCRIPTION PLAN 1
(RM)PLAN 2
(RM)PLAN 3
(RM)PLAN 4
(RM)PLAN 5
(RM)PLAN 6
(RM)PLAN 7
(RM)A Accidental Death 50,000 100,000 200,000 300,000 500,000 750,000 1,000,000 B Accidental Permanent Disablement 50,000 100,000 200,000 300,000 500,000 750,000 1,000,000 C Double Indemnity
*Accidental Death on public conveyance
*Accidental Death on Grab and e-hailing services
*Total Paralysis or Quadriplegia due to accident
*Accidental Death due to fire at own residence
50,000 100,000 200,000 300,000 500,000 750,000 1,000,000 D Accidental Medical Expenses 5,000 6,000 6,500 7,500 10,000 12,000 15,000 D1 *Medical and Post-mortem Report Fees
150 D2 *Traditional Treatment
(no hospitalisation required)
RM50 per visit, up to a maximum of 500 RM50 per visit, up to a maximum of 1,000 D3 *Dengue Fever, Malaria or Japanese Encephalitis 5,000 6,000 6,500 7,500 10,000 12,000 15,000 D4 *Ambulance Fees
500 D5 *Cashless Hospital Admission 5,000 6,000 6,500 7,500 10,000 12,000 15,000 E Weekly Benefit (optional) E1 *Temporary Total Disablement 50 100 120 150 250 350 500 E2 *Temporary Partial Disablement 25 50 60 75 125 175 250 F Daily Hospital Income 90 90 90 120 180 200 250 G Death due to Zika or Chikungunya 10% of Principal Sum Insured H Death due to Dengue, Malaria, Japanese Encephalitis 10% of Principal Sum Insured I Emergency Cash 5,000 J Prosthesis / Wheelchair - Permanent Total Disablement 2,500 K Prosthesis / Wheelchair - Partial Disablement 250 L Dental Correction or Corrective Cosmetic Surgery 5,000 M Kidnap Benefits 5,000 for expenses and 25,000 for reward N Blood Transfusion 10% of Principal Sum Insured O Permanent Impotency or Infertility 10% of Principal Sum Insured P Personal Liability 2 times of Principal Sum Insured Q Loss of Personal Effects due to Snatch Theft 500 R Renewal Bonus 15% per year on Principal Sum Insured, up to a maximum of 150% S Referral Emergency Assistance Programme Up to USD1,000,000 -
Who is eligible for this planPersonal Sentinel Version 3 Plus is available for Malaysians or foreigners with a valid permit aged from 30 days old to 70 years old, renewable up to 80 years old (age next birthday).
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Where can I get more information?
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Contact us.
The benefit(s) payable under this product is (are) protected by PIDM up to limits. For more information, please refer to PIDM's Takaful and Insurance Benefits Protection System brochure on Zurich General Insurance Malaysia's website or PIDM's website.