What is Kurnia PA Supreme about?
This policy will compensate you with a benefit payments in the event you are injured, disabled or have died in an accident in the period of coverage. Accident, in this context, is any untoward events that is unintentional and unexpected.
You will get a higher limit of coverage for Accidental Death and Permanent Disablement up to RM1 million, and a Double Indemnity of up to RM2 million when you perished while using public transportation. Plus, you can also claim for death benefit due to natural disasters!
There are 25 standard benefits under this personal accident policy that can cover you; and you might be surprised of the extent to which this coverage goes, as it is not only accidental-related alone!
What are the unique features of this PA insurance?
The policy will pay for your medical-related expenses such as hospitalization, vector-borne diseases, alternative medical treatment, counselling and rehabilitation (for accidental trauma) costs, among others.
On top of that, Kurnia Insurans will also reward you with up to 50% Renewal Bonus on Accidental Death and Permanent Disablement Benefits, if you have not claimed any of these benefits. What’s more, you can get 10% Family Discount if you extend the policy to cover 2 or more family members!
How much will this personal accident policy cost me?
The cost of premium which you need to pay annually will vary based on age, sex, occupation, lifestyle habits and other factors. You will also be charged with a 6% GST, RM10 Stamp Duty and 25% agent commission.
How long is the period of insurance?
Your policy will only cover you for a duration of 1 year. You will need to renew it every year in order to stay protected. If it matters, you can set up an auto-renewal payment instruction so that you won’t forget.
Can I cancel the policy after purchasing it?
Kurnia Insurans requires a 7-day written notice from you before you can make any cancellation. You will be entitled for a refund of premium based on short period rate; i.e. the unexpired period of insurance, on a condition that you have not made any claims within the period.