Plan From AXA Affin

a plan that relieves you from the financial burden of unforeseen accidents

You may take extra care in everything you do, but accidents can still happen at anytime, anywhere. When these unforeseen mishaps occur, you don’t want to be left with another blow from the financial consequences. With our accident protection plans, you will have the assurance of being guarded 24/7, wherever you are.
 

Key Benefits at a Glance:

·         lump sum benefit for accidental death, dismemberments and major burns

·         double benefit to enhance your protection

·         protection from loss of income (Accident Protector Plus only)

·         a choice of 2 different plans to suit your personal needs

Some facts to share with you:

31,417 Malaysians are injured or die from road accidents in 2009*

1 in 12 hospitalisation is due to accidents**

*Road Safety Department, Malaysia
**Health Facts 2009, Ministry of Health

benefits for you and your loved ones
 

lump sum benefit for accidental death, dismemberments & major burns

Should the unfortunate event of accidental death occur, 100% of the rider sum insured will be channeled to your loved ones. In the event of accidental dismemberments or major burns, you will receive a benefit according to the schedule of benefits.

double benefit to enhance your protection

Benefits for death and dismemberment and major burns will be DOUBLED if injury is sustained (1) while you are a fare-paying passenger on any public conveyance licensed to carry passengers over an established land route, or (2) while you are in a lift (except in mines or construction sites), or (3) due to the burning of any theatre, hotel, restaurant, stadium or other similar public meeting place in which you were at the commencement of the fire.

protection from loss of income (Accident Protector Plus only)

Get weekly income benefits in the event of temporary disablement that prevents you from working for a week or more or total and permanent disability, as a result of an accident.

a choice of 2 different plans to suit your personal needs

We understand that everyone has different needs. With that in mind, we offer you two choices of accident protection plan that carry different levels of benefits to best suit your needs.
 

Accident Protector	Accident Protector Plus
·         Accidental Death Benefit ·         Accidental Dismemberment Benefit ·         Major Burns Benefit ·         Double Benefit	·          Accidental Death Benefit ·         Accidental Dismemberment Benefit ·         Major Burns Benefit ·         Double Benefit ·         Weekly Income Benefit

schedule of benefits

Accidental Death and Dismemberment Benefit
Death and dismemberment occurring within 90 days from the date of injury	% of Rider Sum Insured
Loss of life	100%
Loss of 1 or more limbs	100%
Loss of sight of 1 or both eyes	100%
Loss of hearing: - both ears - 1 ear	75% 15%
Loss of speech	50%
Loss of lens of both eyes	50%
Loss of all joints of 4 fingers and thumb of: - right hand - left hand	40% 30%
Loss of all joints of 4 fingers of: - right hand - left hand	40% 30%
Loss of: - 2 joints of right thumb - 1 joint of right thumb - 2 joints of left thumb - 1 joint of left thumb	30% 15% 20% 10%
Loss of: - 3 joints of 1 finger of right hand - 2 joints of 1 finger of right hand - 1 joint of 1 finger of right hand - 3 joints of 1 finger of left hand - 2 joints of 1 finger of left hand - 1 joint of 1 finger of left hand	10% 7.5% 5% 10% 7.5% 5%
Loss of: - all joints of all toe of 1 foot - all joints of great toe - 1 joint of great toe	15% 5% 3%
Fractured leg or patella	10%
shortening of leg by at least 5 cms	7.5%

If the insured is left-handed, the percentages for the various losses listed above for right hand and left hand will be transposed.

Major Burns Benefit
Areas Involved	Damage as percentage of total body surface area	Insured
HEAD	Equal to or greater than 2% but less than 4%	25%
	Equal to or greater than 4% but less than 6%	50%
	Equal to or greater than 6% but less than 8%	75%
	Equal to or greater than 8%	100%
BODY	Equal to or greater than 10% but less than 12.5%	25%
	Equal to or greater than 12.5% but less than 15%	50%
	Equal to or greater than 15% but less than 20%	75%
	Equal to or greater than 20%	100%

The maximum amount of benefits payable under Death and Dismemberment and Major Burns Benefits as a result of the same accident shall not exceed 100% of the rider sum insured.

Accident Protector Plus only

Weekly Income Benefit (subject to a maximum of 75% of your average weekly income)
Disablement or hospitalization due to accidents	% of Rider Sum Insured
Temporary Disablement for at least 1 week - up to 52 weeks i) Total Temporary Disablement - total and continuous    disability which continuously prevents the insured from    the date of accident from performing each and every duty    of his occupation. ii) Partial Temporary Disablement - partial and continuous     disability which continuously prevents the insured from     the date of accident or immediately following Total     Temporary Disablement from performing 1 or more, but     not all, duties of his occupation.	1% per week 0.25% per week
Total and Permanent Disability - up to 100 months (payable after Temporary Disablement has been paid for 52 weeks )	1% per month
Hospitalisation with minimum stay of 24 hours in a hospital - up to 104 weeks   If the confinement is in a place out of Malaysia, Singapore and Brunei the benefit payable under this benefit is subject to the insured having resided or travels out of Malaysia, Singapore and Brunei for not more than 90 consecutive days.	1% per week, subject to maximum of    RM300 per day.