1. What is Personal Accident Insurance?
Personal Accident Insurance (Zurich General)
Personal Accident Insurance provides compensation to you in the event of bodily injuries, disablement, death or inconvenience caused solely and directly by a sudden, unforeseen and fortuitous event that happens unexpectedly in Malaysia only.
Please see the following documents for more details on the Personal Accident Insurance product, including coverage and exclusions:
- Personal Accident Insurance - Product Disclosure Sheet
- Personal Accident Insurance - Policy Wording
PerlindunganKu Allianz4All
PerlindunganKu Allianz4All provides compensation in the event of death or permanent disablement of the policyholder resulting from an accident. Other benefits, such as daily hospital income, medical expenses, and emergency relief (in the event of a flood), are also provided.
Please see the following documents for more details on the PerlindunganKu Allianz4All insurance product, including coverage and exclusions:
2. What is Perlindungan Tenang?
Perlindungan Tenang is a Bank Negara Malaysia initiative, developed with the insurance and takaful industry, to offer protection plans that are affordable, accessible, easy to understand, and simple to claim.
It aims to meet the needs of underserved groups, especially the bottom 40% of households (B40), by providing insurance and takaful coverage against key life risks.
PerlindunganKu Allianz4All, a personal accident insurance product, will be available as a Perlindungan Tenang product for purchase on the Shopee and ShopeePay platform.
Personal Accident Insurance (Zurich General)
This product is underwritten by Zurich General Insurance Malaysia Berhad (“Zurich”), and distributed by Zurich's appointed insurance agent, MoneeInsure Agency Malaysia Sdn. Bhd. (formerly known as SeaInsure Agency Malaysia Sdn. Bhd.) (“MoneeInsure”) via the Shopee online platform.
PerlindunganKu Allianz4All
Allianz General Insurance Company (Malaysia) Berhad is the insurer partnering with Shopee for distribution to all Shopee / ShopeePay users.
4. What are the coverages/benefits provided?
Personal Accident Insurance (Zurich General):
Benefits | Sum Insured for an Adult Insured Person* |
Complimentary | Basic | Gold |
Accidental Death & Permanent Disablement | RM9,000 | RM18,000 | RM40,000 |
Hospital Income due to Accident | RM25/day
(up to max 30 days) | RM50/day (up to max 15 days) | RM50/day (up to max 60 days) |
Cash Allowance (hospitalisation due to accident) | RM50 | RM100 | RM100 |
Hospital Income due to Vector-Borne Disease | N/A | N/A | RM50/day (up to max 60 days) |
Funeral Expenses (accidental death) | N/A | N/A | RM500 |
Basic / Gold Personal Accident- Child’s benefit is 50% of the adult’s benefit sum insured only.
- Child refers to an insured person who is thirty (30) days old to seventeen (17) years old (Age of next birthday).
PerlindunganKu Allianz4All:
Benefits | Plan 1 | Plan 2 |
Death or Permanent Disability due to accident | Up to RM30,000 | Up to RM50,000 |
Government hospital income due to Accident or Illness | RM50/day (up to max 30 days) | RM100/day (up to max 30 days) |
Government hospital medical expenses due to Accident or Illness | Up to RM500 | Up to RM750 |
Emergency relief (evacuation due to flood) | Lump Sum RM500 | Lump Sum RM750 |
5. Can I cancel my policy?
Personal Accident Insurance (Zurich General):
Please note that once the policy is successfully issued, it is non-cancellable and non-refundable. Your coverage will expire on the last date of the coverage period.
PerlindunganKu Allianz4All: There is a 15-day free-look period for this product. (Calculation is from the date of cancellation request to policy start date.) Cancellations within this period are allowed, and a full refund will be provided, subject to no claims being made & other TNCs. Cancellations after the free-look period will not receive any refunds. Please contact Allianz customer service for cancellation at customer.service@allianz.com.my or 1300 22 5542.
6. What do I need to do if there are changes to my contact/personal details?
Personal Accident Insurance (Zurich General): Kindly inform Zurich of any changes in your contact details/life profile, including nomination, occupation and personal pursuits which would affect your risk profile. Please reach out to Zurich’s customer service at 1-300-888-622 (Call Centre) or callcentre@zurich.com.my (E-mail).
PerlindunganKu Allianz4All: Please contact Allianz customer service at customer.service@allianz.com.my or 1300 22 5542 for any changes in your contact/personal details.
7. What is the insurance coverage period?
Personal Accident Insurance (Zurich General): Complimentary Personal Accident
- The coverage period is for 30 days.
Basic / Gold Personal Accident
- The coverage period is for 1 year.
PerlindunganKu Allianz4All:
- The coverage period is for 1 year.
8. Can the Complimentary Personal Accident coverage period overlap with the Basic/Gold Personal Accident coverage period?
Yes, and the sum insured for both plans can be combined during the coverage periods of both plans.
For example, if you redeem the Complimentary Personal Accident and purchase a Basic Personal Accident on the same day, both plans will start on the same effective date.
9. Are there any after-sales & claims services offered to customers after insurance purchase?
Personal Accident Insurance (Zurich General): For product information clarifications, purchase journey assistance, and promotion enquiries, please contact us using the Internet Call or the Live Chat features on the online platform. For claim-related and other policy support, please contact Zurich’s customer service at 1-300-888-622 (Call Centre) or callcentre@zurich.com.my (E-mail). For any policy / certificate-related complaint or dispute, please email Zurich at feedback@zurich.com.my.
PerlindunganKu Allianz4All:
For product information clarifications, purchase journey assistance, and promotion enquiries, please contact us using the Internet Call or the Live Chat features on the online platform.
For any other queries regarding your policy, such as claim enquiries/submissions, nominating a beneficiary, and cancellation, please contact Allianz’s customer service assistance at 1300 22 5542 (Call Centre) or customer.service@allianz.com.my (E-mail).