What makes this insurance policy stand out?
How much you can claim for Generali SmartPA Enhanced
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:
They will give you the best advice based on your situation and guide you on the necessary steps to report a claim successfully.
To provide a financial blanket for yourself and your family when you are met with an unfortunate accident that might leave you financially wiped.
This personal accident insurance will provide compensation in the 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.
You will receive a total payout under death, permanent disablement and medical expenses benefits with 3x sum insured with a double payout of up to RM2,000,000 if you extend the protection to your family.
What’s more, Generali will also reimburse you for 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 a cash allowance for hospitalisation.
Before you make any payments, make sure you set your priority right to avoid over or under-insured situations. For example, if you are a fresh graduate just starting a job, you can allocate RM131/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 to the insurance agent in addition to stamp duty of RM10 and a Government Service Tax (GST). Either way, these fees and charges are part of the plan.
It is another extra benefit you’ll get under this PA insurance whereby Generali 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.
Your PA 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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