AXA Affin SmartCare VIP

So you're a business class traveller, but are you really protected like a VIP? Get all-round protection with a premier PA insurance policy to keep your liabilities low and your family well-covered at all times.

AXA Affin SmartCare VIP
Accidental Death
up to RM3m
Permanent Disablement
up to RM3m
Medical Expenses
up to RM30k


What makes this insurance policy stand out?

Cover Type
  • For Individual
Maximum Entry Age
Protection up to 75 years
Worldwide Assistance
24-hour worldwide assistance


How much you can claim for AXA Affin SmartCare VIP

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM1m up to RM3m 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM1m up to RM3m 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM10k up to RM30k 
Repatriation or Funeral ExpensesCost covered to return your body or ashes back to Malaysia, or for the funeral bills if you pass away.
from RM10k up to RM20k 
Home NursingHow much you can claim for home nursing care, if certified by a hospital following an accident.
up to RM1k per week, up to RM4000 per accident
Alternative Medical TreatmentIn case you'd prefer to seek treatment from a registered traditional medicine practitioner.
up to RM50 per visit each day, up to RM500 per accident
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
from RM500k up to RM1.5m 
ProsthesesTotal cost covered for purchase of artificial limbs if you lose your arms or legs in an accident.
up to RM3k per accident

How to Claim

Who do I contact if I have a question or emergency?

Always remember to contact AXA Affin at 03 2170 8282 or send an email to [email protected] in the event of a claim immediately or the soonest possible to notify them of your encounter, they will then assist you on any claim related inquiries.

To complete a claim form, you'll need to fill up the first part of the form with the required information and the second part by your attending doctor. Get ready the necessary documents as listed in the claim form to support your case.

Once all the documents are in place, make your way to the nearest AXA Affin branch and submit them to their officer. Rest assured that they will process your claim promptly and inform you of the outcome.


Minimum Entry Age
At least 18 years of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 75 years of age

More Information

How can I get VIP Protection?

By signing up with the AXA Affin SmartCare VIP, you can leave behind an immediate emergency fund with high cash payout to protect yourself and your loved ones every minute of a day.

SmartCare VIP also will cover medical coverage including alternative treatments twice the amount any other standard PA plans would give to you.

What does AXA Affin SmartCare VIP cover?

You will get a lump sum payment of benefits under accidental, total permanent disablement, along with medical, funeral and bereavement expenses for an affordable annual premium.

SmartCare VIP will also take care of claims arising from third party for up to RM1,500,000 in the event you unintentionally knocked someone down or caused damage to their property with your luxury vehicle.

Is there a claim limit on the medical expenses benefit?

SmartCare VIP shows just how important you and your family are by not limiting the frequency of claims you can make in a year – but this doesn’t mean you can exploit it! The medical expenses benefit will be paid out in sum insured per one disability.

Who is eligible to apply?

This plan caters especially to individuals whose nature of business involves substantial risk of accident as set out by AXA Affin’s Class Occupation. If you are one of those, aged between 18 to 65 years, then this insurance policy, which is renewable up to 75 years, is suitable for you.

Can I cancel my policy?

Your PA insurance policy can be cancelled at any time by writing a notice to AXA Affin, which then will reimburse your premium based on a pro rata portion of the remaining months.

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