Personal Sentinel V3

Personal Sentinel V3

Essential protection for your safety.

At Zurich, we know how important it is to protect yourself so that you don't have to burden your loved ones with the rising cost of medical bills. With Personal Sentinel V3, enjoy greater protection for as low as RM0.39/day through our comprehensive personal accident protection plan that covers you for you to live your life on your own terms.

What benefits do I get?

Accidental Medical Coverage

Accidental Medical Coverage

Get up to RM15,000 of accidental medical coverage.

Traditional Treatment

Traditional Treatment

Annual traditional treatment reimbursement up to RM1,000.

Double Indemnity

Double Indemnity

Double indemnity cover for e-hailing services (e.g. Grab).

Cashless Admission

Cashless Admission

Cashless admission & discharge from hospitals for accidents.

Renewal Bonus

Renewal Bonus

Enjoy Renewal Bonus up to 150% and no impact to your Renewal Bonus when a claim is made!

Is there a range of plans that I can choose from?

Benefits

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

*Death on public conveyance

*Death on Grab, or e-hailing services

*Total Paralysis or Quadriplegia

*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

RM50 per visit, up to a maximum of 500 RM50 per visit, up to a maximum of 1000
D3 *Dengue Fever, Malaria & 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 Renewal Bonus 15% per year on Principal Sum Insured, up to a maximum of 150%
R Referral Emergency Assistance Programme Up to USD1,000,000

Notes:

*Please refer to the policy contract for the benefits description under this policy.

*Duration of cover is for one year. You need to renew your insurance cover annually.

*The total amount payable for benefit D1 to D5 shall not exceed the limit of benefit D.

Who is eligible for this plan?

Personal Sentinel Version 3 covers anyone between the ages of 30 days old and 65 years old, and is renewable up to 80 years old.

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