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%.

AXA Affin SmartPA
Accidental Death
up to RM750k
Permanent Disablement
up to RM750k
Medical Expenses
up to RM9k


What makes this insurance policy stand out?

Cover Type
  • For Family
  • For Individual
  • For Couple
Maximum Entry Age
Protection up to 75 years
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 DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM50k up to RM750k 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM50k up to RM750k 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM3k up to RM9k 
Double IndemnityFor death that occurs using public transportation you get double the accidental death benefits.
from RM100k up to RM1.5m 
Dental And Cosmetic SurgeryTotal cover for dental treatment and reconstructive surgery for injuries that are accident related.
from RM5k up to RM5k 
Ambulance FeeFor the ambulance ride to the hospital and paramedics who arrive on the scene.
from RM500 
RepatriationTotal expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
up to RM10k 
Funeral ExpensesWhat your insurer will cover for your funeral if you pass away in an accident
from RM5k up to RM10k 
Cash ReliefEmergency cash benefit to your family if you pass away in an accident, this is on top of accidental death coverage.
from RM2k up to RM7.5k 
Hospital AllowanceThis 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 AllowanceFor your family to visit you at the hospital without having to worry about cost of travel and other expenses.
from RM200 
Home NursingHow much you can claim for home nursing care, if certified by a hospital following an accident.
from RM500 up to RM1k per week
Alternative Medical TreatmentIn case you'd prefer to seek treatment from a registered traditional medicine practitioner.
from RM50 per visit up to RM500 per accident
KidnapCover benefits provided by the insurer if policyholder is kidnapped.
from RM5k up to RM5k 
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
from RM50k up to RM750k 
Snatch TheftFor damage and loss of personal belongings if you're a victim of snatch theft.
from RM300 up to RM300 
ProsthesesTotal cost covered for purchase of artificial limbs if you lose your arms or legs in an accident.
up to RM1k per accident

How to Claim

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


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

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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