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[Digital Product] Personal Accident Insurance - General Information

📣 Exciting Announcement:

Starting 26th of August 2024, all Shopee users can enjoy Free Personal Accident Insurance with one-month coverage, underwritten by Zurich. This exclusive offer is limited to one redemption per Shopee account, don't miss out on this valuable protection!

1. What is Personal Accident Insurance?

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:

Free Personal Accident

Basic / Gold Personal Accident

2. Who is the insurance provider for Personal Accident Insurance?

This product is underwritten by Zurich General Insurance Malaysia Berhad (“Zurich”), and distributed by Zurich's appointed insurance agent, SeaInsure Agency Malaysia Sdn. Bhd. (“SeaInsure”) via the Shopee online platform.

3. What are the coverages/benefits provided?

Benefits	Sum Insured for an Adult Insured Person*
Benefits	Free	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 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).

4. Can I cancel my policy?

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.

5. What do I need to do if there are changes to my contact/personal details?

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).

6. What is the insurance coverage period?

Free Personal Accident

The coverage period is for 30 days .

Basic / Gold Personal Accident

The coverage period is for 1 year.

7. Can the Free 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 Free Personal Accident and purchase a Basic Personal Accident on the same day, both plans will start on the same effective date.

8. Is there any after sales & claims services offered to customers after insurance purchase?

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.

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