Personal Sentinel V3 Plus Takaful (PSV3+ Takaful)
Essential Group Accidental Protection Plan
No matter how carefully you drive, follow traffic rules, try your best to avoid mishaps, accidents and unforeseen events can occur and disrupt the usual track of life. During such circumstances, it is extremely crucial that you have financial resources that can let you get all the necessary help at the right time.
The Personal Sentinel Version 3 Plus Takaful, is a Shariah-compliant group personal accident coverage, can provide you with monetary help if you fall a victim to such unforeseen events. This yearly renewable personal accident takaful provides compensation in the event of bodily injuries, disablement or death caused solely and directly by an unforeseen event. From individual protection to group coverage, our superior takaful plan would be able to help safeguard your financial stability and protect your loved ones. You can even customize the coverage to align the options with your requirements.
Personal Sentinel V3 Plus Takaful Product coverage and benefits
-
Personal Sentinel V3 Plus Takaful plan benefits
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.
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.
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.
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.
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.
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.
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.
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.
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 covered increment for Accidental Death, Accidental Permanent Disablement and Double Indemnity benefits when you continuously renew your certificate and the certificate has not been lapsed in any one given year.
Accidental Medical Expenses Coverage
-
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
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
-
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
-
Personal Sentinel V3 Plus Takaful plan coverage options
Personal Sentinel V3 PLus Takaful offers 7 different plans to suit you, your family, and your employees:
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 residence50,000 100,000 200,000 300,000 500,000 750,000 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 RM500 RM50 per visit, up to a maximum of RM1000 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 Covered H Death due to Dengue Fever, Malaria or Japanese Encephalitis 10% of Principal Sum Covered 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 Covered O Permanent Impotency or Infertility 10% of Principal Sum Covered P Personal Liability 2 times of Principal Sum Covered Q Loss of Personal Effects due to Snatch Theft 500 R Renewal Bonus 15% per year on Principal Sum Covered, up to a maximum of 150% S Referral Emergency Assistance Programme Up to USD1,000,000 Notes:
- Please refer to the certificate wording for the full benefits, terms and conditions under this product.
- Duration of the coverage is for one (1) year. You will need to renew your takaful coverage annually.
- A Person Covered must be at least thirty (30) days old to seventy (70) years old, and renewable up to eighty (80) years old. All ages refer to the age at the Person Covered's next birthday.
- Person Covered must be a Malaysian, or foreigner who has a valid work permit, student permit, permanent resident status or Malaysia My Second Home (MM2H) status.
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 -
Personal Sentinel V3 Plus Takaful plan Eligibility
Personal Sentinel Version 3 Plus Takaful 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).
Personal 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). -
More information on Personal Sentinel V3 Plus Takaful
-
Personal Sentinel V3 Plus Takaful Frequently Asked Questions
What is Personal Sentinel Version 3 Plus Takaful?
Personal Sentinel Version 3 Plus Takaful is a yearly renewable personal accident takaful from Zurich Malaysia that provides compensation in the event of bodily injuries, disablement or death caused solely and directly by an unforeseen event.
Can I subscribe Personal Sentinel Version 3 Plus Takaful for my employees?
Yes, you can subscribe Personal Sentinel Version 3 Plus Takaful for your employees as a group certificate under your company’s name. There is no limitation to the group size and the contribution is the same as an individual certificate.
Can I subscribe Personal Sentinel Version 3 Plus Takaful for my whole family?
Yes, you can subscribe Personal Sentinel Version 3 Plus Takaful for your family members, regardless of the number of members. The certificate will be issued as a group family certificate. However, the contribution will be charged individually.
What is renewal bonus?
Renewal bonus increases your certificate's Principal Sum Covered by 15% annually up to a maximum of 150% with the condition that you continuously renew your certificate and the certificate has not been lapsed in any one given year.
What is Group Personal Accident Takaful?
A group personal accident takaful is a plan that provides coverage to a group of individuals against bodily injuries, disablement, or death caused by an accident or any unforeseen event. You can opt for such a plan if you run a business or social organization that has a workforce, and even for your family. You can opt for a flexible coverage term according to your requirements and even add extra options to get maximum benefits.
What is Family Accident Takaful?
A family accident takaful, also known as a group personal accident coverage, is a Shariah-compliant plan that you can contribute to for your whole family. The certificate will be issued as a group family certificate. Under this plan, you and your family will be provided High Accidental Permanent Disablement and Death Benefit, Accidental Medical Expenses Coverage, Double Indemnity, and more.
Is Group Personal Accident Takaful a good idea?
Yes, contributing to a group personal takaful is a wise choice because you can subscribe to it for your employees as a group under your company’s name. You can even contribute to it as a group family certificate. As a result, whosoever is covered in the plan will be eligible to get all the benefits. You can even customize the plans as per your needs.
-
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 Takaful Malaysia's website or PIDM's website.
-
Apakah Manfaat yang saya perolehi?
Manfaat Hilang Upaya Kekal dan Kematian Akibat Kemalangan Yang Tinggi sehingga RM1,000,000
Jumlah Yang Dilindungi seperti yang dicatatkan dalam jadual sijil anda akan dibayar sekiranya berlaku kematian atau hilang upaya kekal disebabkan kecederaan akibat kemalangan.
Indemniti Berganda sehingga RM2,000,000
Perlindungan tambahan yang membayar dua kali ganda daripada Jumlah Yang Dilindungi anda untuk kematian akibat kemalangan semasa dalam perjalanan menggunakan pengangkutan awam, kenderaan e-hailing sebagai penumpang berbayar, lumpuh atau kematian akibat kebakaran di kediaman sendiri.
Pilihan Manfaat Mingguan sehingga RM500
Meringankan beban kewangan anda dengan pampasan mingguan sekiranya berlaku hilang upaya keseluruhan sementara atau hilang upaya sebahagian sementara sehingga maksimum 52 minggu.
Pendapatan Harian Hospital sehingga RM250
Menyediakan anda dengan elaun harian secara tunai sehingga RM250 apabila anda dimasukkan ke hospital.
Tunai Kecemasan sehingga RM5,000
Insan tersayang akan diberikan bantuan tunai dengan segera apabila anda meninggal dunia, selepas mereka mengemukakan dokumen-dokumen 7 yang diperlukan.
Manfaat Penculikan
Sekiranya berlaku penculikan, kami akan membayar jumlah sekali gus sebanyak RM5,000 kepada insan tersayang untuk membayar perbelanjaan yang perlu ditanggung seperti mengupah penyiasat persendirian untuk mengesan anda. Ganjaran sebanyak RM25,000 juga akan disediakan untuk maklumat yang boleh digunakan untuk mengesan anda, dengan syarat anda masih hidup semasa anda dikesan.
Tanggungan Peribadi sehingga RM2,000,000
Memberi ganti rugi kepada anda sekiranya anda bertanggungjawab dari segi undang-undang untuk membayar mana-mana pihak ketiga akibat kecederaan badan akibat kemalangan atau kerosakan harta benda yang dimiliki oleh pihak ketiga.
Perlindungan Kecurian Ragut sehingga RM500
Kecurian ragut boleh berlaku di mana sahaja, tidak kira pada waktu pagi atau malam. Jangan risau! Kerugian anda akan dibayar balik jika anda telah kehilangan barangan peribadi akibat kerugian ragut.
Bonus Pembaharuan sehingga 150%
Nikmati kenaikan Jumlah Asas Yang Dilindungi sebanyak 15% setiap tahun untuk manfaat Kematian Akibat Kemalangan, Hilang Upaya Kekal Akibat Kemalangan dan Indemniti Berganda apabila anda sentiasa memperbaharui sijil anda dan sijil tersebut tidak pernah luput dalam satu tahun yang tertentu.
Perlindungan Perbelanjaan Perubatan Akibat Kemalangan
-
Manfaat ini akan menyediakan pembayaran balik untuk sebarang kecederaan yang berlaku akibat kemalangan. Manfaat ini meliputi bilik dan penginapan hospital, rawatan klinikal, rawatan pesakit luar dan rawatan pembedahan. Berikut adalah beberapa perlindungan utama:
- Kemasukan Hospital Tanpa Tunai sehingga had tahunan sebanyak RM15,000
- Rawatan Tradisional sebanyak RM50 untuk setiap lawatan sehingga jumlah maksimum sebanyak RM1,000 untuk merawat kecederaan anda. Anda tidak memerlukan penghospitalan untuk manfaat ini.
- Bayaran Ambulans sehingga RM500
- Membayar balik Perbelanjaan Penghospitalan anda untuk Demam Denggi, Malaria dan Ensefalitis Jepun sehingga RM15,000
-
Apakah antara pelan yang ditawarkan?
Personal Sentinel Version 3 Plus Takaful ditawarkan dalam 7 pelan. Anda boleh menyesuaikan liputan perlindungan mengikut keperluan anda dengan memiliki satu daripada 7 pelan yang ditawarkan.
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 -
Apakah syarat kelayakan menyertai pelan ini?Personal Sentinel Version 3 Plus Takaful adalah disediakan untuk warga Malaysia dan bukan warga Malaysia dengan permit yang sah, berumur dari 30 hari sehingga 70 tahun, dan boleh diperbaharui sehingga umur 80 tahun (hari lahir berikutnya).
-
Di manakah saya boleh mendapat lebih maklumat?
-
Hubungi kami.
Manfaat-manfaat yang dibayar di bawah produk ini dilindungi oleh PIDM sehingga had perlindungan. Untuk maklumat lanjut, sila rujuk brosur Sistem Perlindungan Manfaat Takaful dan Insurans PIDM yang boleh didapati di laman web Zurich General Takaful Malaysia atau di laman web PIDM.