AXA Affin

Underwritten by AXA Affin General Insurance Berhad

AXA Affin SmartPA

Stay prepared from injury and disaster with a comprehensive protection plan that protects you and your loved ones from accidents. What's more, your accidental death coverage and total disablement benefits will increase with each renewal up to 50%.

    • Up to RM750k Accidental Death Benefit
    • Up to RM750k TPD Benefit
    • Up to RM9000 Medical Expenses Benefit

Get covered now with AXA Affin SmartPA

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What makes this insurance policy stand out?

  • Cover Type
    for family, individual and couple
  • Maximum Entry Age
    protection up to 75 years of age
  • Renewal Bonus
    10% increase of sum assured up to 50% Sum assured for accidental death an permanent disablement


How much you can claim for AXA Affin SmartPA

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM50000 up to RM750000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM50000 up to RM750000
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    Not Covered
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    from RM3000 up to RM9000
    • Double Indemnity
      For death that occurs using public transportation you get double the accidental death benefits.
      from RM100000 up to RM1500000
    • Dental And Cosmetic Surgery
      Total cover for dental treatment and reconstructive surgery for injuries that are accident related.
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
      from RM500
    • Repatriation
      Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
      up to RM10000
    • Funeral Expenses
      What your insurer will cover for your funeral if you pass away in an accident
      from RM5000 up to RM10000
    • Cash Relief
      Emergency cash benefit to your family if you pass away in an accident, this is on top of accidental death coverage.
      from RM2000 up to RM7500
    • Hospital Allowance
      This is a cash benefit if you're admitted to the hospital due to an accident.
      from RM50 up to RM200 per day up to 100 days
    • Visitation Allowance
      For your family to visit you at the hospital without having to worry about cost of travel and other expenses.
      from RM200
    • Home Nursing
      How much you can claim for home nursing care, if certified by a hospital following an accident.
      from RM500 up to RM1000 per week
    • Alternative Medical Treatment
      In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
      from RM50 per visit up to RM500 per accident
    • Kidnap
      Cover benefits provided by the insurer if policyholder is kidnapped.
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      from RM50000 up to RM750000
    • Snatch Theft
      For damage and loss of personal belongings if you're a victim of snatch theft.
    • Prostheses
      Total cost covered for purchase of artificial limbs if you lose your arms or legs in an accident.
      from RM up to RM1000 per accident
    • Miscellaneous Benefits
      AXA Affin SmartPA also provides the following benefit:
      Cashless Admission Guarantee
      Loan Protector
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Jamal has just turned 24 and is currently living on a tight budget. His own personal well-being is still a priority, so he's looking for the cheapest plan.

    Suggested PremiumRM122.00
    Get Quote
  • Young Entrepreneur

    While Sandy's own startup business takes up all her time, at the age of 32, her safety and security are still a priority. A plan with higher coverage is what she wants.

    Suggested PremiumRM658.00
    Get Quote
  • Family

    Jin Leong number 1 priority is his family. He's going all out to get everyone maximum coverage.

    Suggested PremiumRM1975.00
    Get Quote

Actual premium rates will be determined by AXA Affin General Insurance Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

Customer Service Hotline


Am I eligible to apply for this insurance?

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

Frequently Asked Questions about AXA Affin SmartPA

Things you might want to know

Why should I get AXA Affin Smart PA?

To provide for a financial blanket for yourself and your family when you are met with an unfortunate accident that might leave your financially wiped.

This personal accident insurance will provide compensation in a form of a lump sum benefit (cash assistance, if you will) to you and/or your family if the insured suffers from injury, disability or perished in an accident due to car crash, food poisoning, criminal acts and civil unrest, among others.

What does my personal accident policy cover?

You will receive a total payout under death, permanent/temporary disablement and medical expenses benefits with 3x sum insured with double payout of up to RM4,500,000 if you extend the protection to your family.

What’s more, AXA Affin will also reimburse you under medical expenses, dental and corrective surgery due to accident, repatriation, personal liability, snatch theft or robbery case and funeral expenses. On top of that you will receive cash allowance for hospitalization.

How much premium and fees and charges do I have to pay?

Before you make any payments, make sure you set your priority right to avoid over or under insured situation. For example, if you are a fresh graduate just starting a job, you can allocate RM50/week to get insured under Plan 1 (Self Only).

Then you need to scan your total quote to notice whether it is inclusive of a commission fee of 25% to the insurance agent in addition to stamp duty of RM10 and GST of 6%. Either way, these fees and charges are part of the plan.

What is a loan protector?

It is another extra benefit you’ll get under this PA insurance whereby AXA Affin will reimburse up to RM7,500 for any of the insured person’s outstanding debts: credit cards, personal loans, overdraft, housing, car, education and renovation loans, with any licensed banks in Malaysia.

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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