What is Kurnia Auto Shield Insurance?
Kurnia Auto Shield Insurance is an extra personal accident policy designed for people who already have a Kurnia Comprehensive Motor Insurance policy. This policy gives additional protection for the driver and passengers of the covered vehicle. It covers accidents that happen while driving, riding as a passenger, boarding, or getting out of the vehicle.
What Benefits Does This Plan Offer?
The Auto Shield Insurance provides coverage for both the driver, passengers and the vehicle itself.
- Accidental Death and Permanent Disablement: Pays up to RM120,000 for private vehicles. Permanent Disablement means a serious injury that permanently affects your life.
- Medical Expenses: Covers costs up to RM2,000, which includes corrective dental or cosmetic surgery and ambulance fees.
- Hospital Income: Pays RM50 per day if you are hospitalised due to an accident, for up to 30 days.
- Daily Inconvenience Allowance: Pays RM50 per day for up to 10 days if your vehicle is being repaired, covering the downtime.
- Vehicle Spray Painting Expenses: Covers the cost of spray painting the vehicle up to RM1,000.
- Funeral Allowance: Provides an allowance of RM1,000.
Why Choose Auto Shield Insurance?
The unique features of the Auto Shield Insurance focus on both personal accident cover and vehicle-related benefits:
- High Personal Accident Limit: It offers a high accidental death and permanent disablement limit of up to RM120,000 for private vehicles.
- Daily Inconvenience Benefit: You get a cash allowance of RM50 per day while your car is being fixed, helping with your transport costs.
- Medical and Hospital Support: It covers medical expenses up to RM2,000 and pays a Hospital Income of RM50 per day.
- Spray Painting Cover: It includes a payout for vehicle spray painting expenses after a claim, up to RM1,000
Can I Cancel My Policy?
Yes, you can cancel the policy after purchasing it. You will need to inform Liberty General Insurance Berhad (Kurnia's underwriter) in writing within 14 days before you can make any cancellation.
The benefit(s) payable under this 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).
