| A | B | C | D | E | F | G | H | I | J | K | L | M | N | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1 | Coverage/Plan | AIA My Family PA | Allianz Shield | AXA SmartCare Prime | Berjaya Sompo Family PA | Chartis Essential PA | ING Family PA | Kurnia Perfect 10 Plus | Lonpac Family Protector | Lonpac Flexicare | MPIB Family Accident Protector | OAC Family Protector | QBE FlexiCare | Tokio Marine Family PA Partner | |
2 | Plan Type | Plan 3 | 120,000 | Plan 2 | Plan I | Plan 1 | Plan B | Plan 1 | Plan B | FC1 | FAP4 | Plan B | Plan B | Super Plan | |
3 | Accidental Death | 100,000 | 120,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 130,000 | 100000 (15k/child) | 100,000 (10k/child) | 100,000 | |
4 | Accidental TPD | 200000 | 120,000 | 100,000 | 100,000 | 200,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100000 (15k/child) | 100,000 (10k/child) | 100,000 | |
5 | Medical Reimbursement (Adult / Child) | 8,000 | 4,500 | 5,000 | 1,000 | 3,000 (RM50 deductible per disability) (optional) | 3,000 | 3,500 | 2,000 / 500 | 4,000 / 1,000 | 1,000 | 3,000 / 750 | 4,000 / 3,000 | 7,500 per accident / 1,000 | |
6 | Traditional Treatment | - | 350/accident | 300/accident | - | - | - | 300/accident | - | 300/accident | - | 350/accident | 400/accident | 250/treatment | |
7 | Kidnap Benefit | - | 25,000 | - | - | - | - | 25,000 | - | 25,000 | - | - | 5,000 | - | |
8 | Personal Liability | - | 180,000 | 100,000 | - | - | - | 100,000 | - | 200,000 | - | 100,000 | - | 100,000 | |
9 | Double Indemnity | - | 240,000 | - | - | - | 200,000 | - | - | 200,000 | - | - | 200,000 | 200,000 | |
10 | Accident Hospital Benefit/Income | - | 85/day for 180d | 100/day for 100d | 200/wk | 100/day, max 365d per disability (optional) | 100/day for 60d | 350/wk up to 52 wks (non-ICU). For ICU, 700/wk up to 26 wks. | 50/day for 90d | 100/day for 180d | 100/day up to 120d | 100/wk for 26wks | 75/wk for adult, 25/wk for child. Up to 26 wks | 200/day for 365d | |
11 | Weekly Benefit / Temporary Disability | 12,000/yr for 10 yrs (assured only) | 75/week for 52 wks | - | - | - | - | - | - | 100/wk for 52 wks | - | - | 75/wk, up to 104 wks | - | |
12 | Death Benefit by Dengue/Malaria/JE | - | 10,000 | 10,000 | - | - | - | - | - | 10,000 / 0 | - | - | - | - | |
13 | Death Benefit by HIV | - | 12,000 | - | - | - | - | - | - | 10,000 | - | - | - | - | |
14 | Funeral/Bereavement Expenses (Adult / Child) | - | 12,000 | - | - | - | 5,000 | 3,000 | 3,000 / 1,000 | 10,000 | - | 5,000 | 2,000 / 1,000 | 3,000 | |
15 | Prostheses/Wheelchair | - | 1,000 | 1,000 | - | 3,000 | - | - | - | 2,000 | - | 5,000 | 1,000 | 2,000 | |
16 | Corrective Dental/Cosmetic Surgery | - | 5,000 | - | - | - | - | - | - | 10,000 | 500 | - | 3,000 | - | |
17 | Ambulance Fees | - | 500 | 200 | - | 500 | 500 | 500 | 250 | 500 | - | 500 | 300 | 300 | |
18 | Repatration Expenses | - | 10,000 | 2,000 | - | - | - | 100,000 (oversea) | - | 10,000 | - | 5,000 | 2,000 | 3,000 | |
19 | Travel & Accomodation Expenses / Compassionate | - | 5,000 | 3,000 | - | - | - | - | - | 3,000 if hosp >7d | - | - | 500 | max 1,000/accident | |
20 | Renewal Bonus | 5%/yr for accidental TPD. Up to 8 yrs/max 300k for all AIA PA with renewal bonus | 10%/yr if claims-free, up to 100% sum insured | 5%/yr if claims-free, up to 15% sum insured | - | - | - | 25%/yr, up to 50% | - | - | Child coverage increase 10%/yr, max 50% | - | 10%/yr, max 50% | 5%/yr, max 5 yrs | |
21 | Family Coverage of Accidental Death/TPD | Both parent 100%, children 50% | Each adult to buy individual PA. Child 1mo - 12yo, max 120k PA. Child 12 - 17yo, max 180k PA | Both parent 100%, children 10% | Adult 100%, child 10% | Adult 100%, child 10% | Spouse 50% of death & TPD, child 15% of death & TPD | Adult 100%, child 20% | Adult 100%, child 10% | Adult 100%, child 25% | Adult 100%, child 20% | Spouse 50% of death, TPD & medical expenses. | Separate adult & child PA plan | Adult 100%, child 10% | |
22 | Miscellaneous | Waiver of premium if assured suffered loss of life or TPD for the benefits of surviving spouse & children. | Kidnap expenses 5k. Permanent impotency due to accident: 12k. Miscarriage due to accident: 1k. Snatch theft: 300 | Extra 50k if death for travel by public transport. Nursing care: 750/wk for 4wks | - | Permanent disability: 150k. Fractures (max 2 times per policy yr): 2k. Severe burns: 4k | Double indemnity only for travelling in public transport | Death/TPD by natural disaster: 10k. Death/TPD by robbery/snatch theft: 25k. House/Car loan/credit card subsidy: 10k. | - | Lifestyle modification expenses 10k (as charged) | - | Car loan repayment for 3 months or 5k. Compassionate subsidy 10k/child if both parents passed away. Exam fee reimbursement: 3k. Air ticket reimbursement: 3k | - | Rehabilitation allowance 1k | |
23 | Per Adult Premium | 789.5/family | 280 (PA with weekly benefit) | 362/family | 341/family | 637/family (with optional benefits) | 300/family | 493/family | 135 | 190 | 300/family | 320 | 196 | 475/family | |
24 | Per Children Premium | 138 (60k PA with weekly benefit) | FOC | 18 | FOC | 75 (for Child Plan A) |