Not everything in life is within our control and we can’t foresee what happens next. As we enter our golden years, it is best to get the protection you need when dealing with the twist and turns of life.
AIA Prime Care Personal Accident is an insurance plan that provides protection coverage for bone fractures, mobility aid equipment and traditional treatment, complementing its hospitalisation and medical coverage. With that in place, you can enjoy life without worrying about hefty costs caused by personal accidents.
|
Note: In view of the shift in Citi's business strategy, please be informed that this insurance plans/product distributed by Citi is currently unavailable. |
Prime Care Personal Accident Benefits
KEY FEATURES OF THE COVERAGE
Up to RM250 daily income in the event of hospitalisation for up to 365 days (from the date of accident)1.
You will be reimbursed for the medical treatment expenses (reasonable customary expenses) incurred within 365 days from the date of accident2.
Up to RM35,000 coverage per year if you suffer from bone fractures or dislocation within 90 days from the date of accident3.
You will be reimbursed for the mobility aid equipment expenses incurred if the insured suffers from bone fractures or dislocation within 90 days from the date of the accident3.
1 If you are hospitalised due to an accident for a minimum of 6 consecutive hours per admission.
2 In the event that you are required to be hospitalised for a minimum of 6 consecutive hours or more as a result of accidental injury.
3 It is payable only when you have consulted a registered medical practitioner, with a medical proof by X-ray.
4 Within 365 days from the date of accident with a lump sum payment of up to RM100,000 to help your family cope with the impact.
3 DIFFERENT PLANS TO SUIT YOUR COVERAGE NEEDS
| Benefits | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Accident Hospital Income BenefitA | RM 150 per day | RM 200 per day | RM 250 per day |
| Accident Medical Treatment BenefitA | Up to RM 5,000 per year | Up to RM 7,000 per year | Up to RM 10,000 per year |
| Broken Bones & Dislocation BenefitB,C | Up to RM 20,000 per year | Up to RM 25,000 per year | Up to RM 35,000 per year |
| Mobility Aid BenefitC | Up to RM 300 per year | Up to RM 400 per year | Up to RM 500 per year |
| Traditional & Complementary Treatment BenefitD | Up to RM 100 per visit Subject to maximum of RM 1,000 per year |
||
| Accidental Death & Dismemberment BenefitB | RM 100,000 | ||
Notes:
A. This benefit also extends to cover dengue fever and food poisoning.
B. Please refer to the Schedule of Indemnities in the policy contract for broken bones & dislocation and death & dismemberment covered in your plan and the percentages of the benefit amount applicable for each type of event.
C. This benefit is only claimable provided that the insured has first consulted a registered medical practitioner and produced proof of bone fractures and/or dislocation by X-ray.
D. Traditional & Complementary Treatment shall mean acupuncture, bone setter treatment, chiropractic therapy & osteopathy. This benefit is only claimable provided that the insured has first consulted a registered medical practitioner and produced proof of bone fractures by X-ray (if required by AIA General Berhad).
PRIME CARE PERSONAL ACCIDENT INSURANCE PLAN REQUIREMENTS
| Entry Age | Maximum Renewable Age | Underwriting Requirement |
|---|---|---|
| Minimum Age Insured - 45 years old (last birthday) Maximum Age Insured - 75 years old (last birthday) |
Up to any 85 years old (last birthday) | Malaysian citizens with valid employment* and occupation class 1 to 4 *Retirees, housewives and students are eligible |
Exclusions:
1. Pre-existing conditions
2. Bacterial, viral and fungal infections
3. Any kind of disease or sickness or congenital defects
4. Medical or surgical treatment (except those necessitated by accidental bodily injuries, food poisoning and dengue covered by this plan)
5. Suicide or intentional self-injury
6. Childbirth, pregnancy or miscarriage
7. Professional sports
8. AIDS or HIV infection
9. Mental or nervous disorders; under the influence of alcohol or use of drugs/narcotics of any kind
10. Racing of any kind
11. Engaging in any hazardous occupation (i.e. divers, deep sea fisherman, miners etc.)
12. Engaging in any hazardous activities (i.e. hang-gliding, parachuting, gliding, scuba-diving, bungee-jumping, motor-racing, skydiving, mountaineering, rock-climbing etc.)
The description, benefits, exclusions, terms and conditions described above have been summarised and are not exhaustive. Details of more complete terms, conditions and exclusions are available in the policy contract.
Important Notes:
1. This insurance plan is underwritten by AIA General Berhad (924363-W) and its address is Menara AIA, 99 Jalan Ampang 50450 Kuala Lumpur licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. It is not a bank deposit or obligation of or guaranteed by Citibank Berhad, Citibank NA, CitiGroup Inc., or any of their affiliates or subsidiaries.
2. This write-up is for general information and is not to be construed as a contract of insurance. The precise terms, conditions and definitions of the insurance plan are specified in the policy contract issued by AIA General Berhad.
3. Buying an insurance policy is optional. You should satisfy yourself that this insurance product will best serve your needs and objectives, and that the premium payable under the policy contract is an amount you can afford.
4. There may be eligibility criteria to purchase this insurance product. An underwriting decision (if any) will be made by AIA General Berhad regarding the customer's eligibility to purchase this insurance product.
5. All claims under this policy will be solely decided upon by the insurance company.
6. Tax benefits (if applicable) are governed by local regulations and subject to changes in the tax laws. Citibank and its employees are not in the business of providing tax advice.
7. This document does not constitute the making of any offer or invitation to subscribe for insurance products nor does it amount to solicitation by Citibank Berhad, Citibank N.A., CitiGroup Inc., or any of their affiliates or subsidiaries for applications of insurance products by anyone in any jurisdiction in which the making of such offer or invitation to subscribe or the solicitation thereof is not authorized or to any person to whom it is unlawful to make such an offer, invitation or solicitation.
8. This write-up also does not constitute the distribution of any information by anyone in any jurisdiction in which such distribution is not authorized or to any person to whom it is unlawful to distribute such a document.
PIDM Disclosure:
For certain Takaful certificates and insurance policies issued by Takaful operators and insurance companies licensed under the Islamic Financial Services Act 2013 and Financial Services Act 2013 respectively, are eligible for protection under the Takaful and Insurance Benefits Protection System (TIPS). For details on the type of benefits eligible under the TIPS and related protection limits, please visit PIDM website (www.pidm.gov.my) or call PIDM toll free line at 1-800-88-1266. Alternatively, you may also obtain a copy of the TIPS brochure from our branches.
2X Expertise, 2X Confidence
We’ve combined our expertise to offer you the right, insurance through a single conversation. Bringing the best knowledge from the banking and insurance world, we help you protect what’s truly important.