Generali SmartCare VIP

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

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

Features

What makes this insurance policy stand out?

Cover Type
  • For Individual
Maximum Entry Age
Protection up to 75 years

Coverage

How much you can claim for Generali SmartCare VIP

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM1m up to RM3m based on the chosen plan
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM1m up to RM3m based on the chosen plan
Temporary Total DisablementCash compensation if you are unable to work temporarily because of total disability.
from RM500 up to RM1k a weekly benefit of up to 104 weeks, based on the chosen plan
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM10k up to RM30k based on the chosen plan, coverage includes Western Hospitalisation, Surgical and Clinical Treatment, Chinese Physician Treatment (max RM50 per visit per day, RM500 per accident), Weekly Nursing Care Charges (max RM1,000 per week, RM4,000 per accident), Prostheses (max RM3,000 per accident)
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 based on the chosen plan
Bereavement BenefitCash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
RM5,000 coverage due to dengue fever, applicable to all plans
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
from RM500k up to RM1.5m based on the chosen plan

How to Claim

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

You can always count on Generali to process your claim swiftly and professionally. All you need do is inform them immediately of any event that may result in a medical claim.

You can reach them in multiple ways:

  • Contact their customer service representative
  • Visit the nearest branch to you or
  • Directly visit their head office

They will give you the best advice based on your situation and guide you on the necessary steps to report a claim successfully.

Requirements

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

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

What does Generali 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 parties 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 Generali’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 personal accident insurance policy can be cancelled at any time by writing a notice to Generali, which then will reimburse your premium based on a pro-rata portion of the remaining months.

The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).

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