Kurnia PA Supreme

Secure your family's future with a personal accident insurance that provides comprehensive hospital benefits and extra protection. Get the financial assistance you need with Kurnia so you and the loved ones are well covered!

Kurnia PA Supreme
Accidental Death
up to RM1m
Permanent Disablement
up to RM1m
Medical Expenses
up to RM6.5k


What makes this insurance policy stand out?

Cover Type
  • For Individual
  • For Family
Maximum Entry Age
Protection up to 70 years
Worldwide Assistance
24-hour worldwide assistance
Renewal Bonus
10% increase of sum assured up to 50%   Sum assured for accidental death and permanent disablement


How much you can claim for Kurnia PA Supreme

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM50k up to RM1m 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM50k up to RM1m 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM3k up to RM6.5k 
Double IndemnityFor death that occurs using public transportation you get double the accidental death benefits.
from RM100k up to RM2m 
Dental And Cosmetic SurgeryTotal cover for dental treatment and reconstructive surgery for injuries that are accident related.
from RM5k 
Ambulance FeeFor the ambulance ride to the hospital and paramedics who arrive on the scene.
from RM1k 
Medical Evacuation Or RepatriationInsured cost for emergency medical evacuation, or return of mortal remains if you pass away while traveling abroad.
from RM10k up to RM50k 
Transportation Of Mortal Remains To Home CountryFor expenses to return your ashes or body back to Malaysia for death while abroad.
from RM5k 
Funeral ExpensesWhat your insurer will cover for your funeral if you pass away in an accident
from RM5k 
Bereavement BenefitCash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
from RM5k up to RM100k 
Compassionate CoverExtra cash benefit to family of policyholder if death is because of an accident.
from RM100 per day up to RM1000
Hospital AllowanceThis is a cash benefit if you're admitted to the hospital due to an accident.
from RM75 up to RM225 per day up to 180 days
Home NursingHow much you can claim for home nursing care, if certified by a hospital following an accident.
from RM3k 
Alternative Medical TreatmentIn case you'd prefer to seek treatment from a registered traditional medicine practitioner.
from RM50 per visit up to RM500
HIV Due To Blood TransfusionInsured coverage if you contract HIV as a result of a contamintated blood transfer.
from RM5k up to RM40k 
KidnapCover benefits provided by the insurer if policyholder is kidnapped.
from RM30k up to RM25k 
Major BurnTotal insured cover if you suffer 2nd and/or 3rd degree burns in an accident.
from RM5k 
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
from RM50k up to RM400k 
Snatch TheftFor damage and loss of personal belongings if you're a victim of snatch theft.
from RM300 
Rehabilitation BenefitExtra reimbursement to help cover some of the costs while you recover.
from RM5k 
Purchase Of Orthopaedic EquipmentAmount covered for braces, walking aids and other orthotic equipment to help your bones mend.
from RM1k up to RM2k 

How to Claim

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

Before you go to make a claim at Kurnia, make sure that you have or are admitted to a Kurnia Insurance Panel Hospital or clinic, check out the ones closets to you, or give them a call to find the one most accessible, at their 24-Hour helpline at 03-7876 9988.

If your claim is less medical related, you will need to have a few things with you. This is s general  list of what you might need to have on hand to make your claims process easier. 

  • Police report
  • Medical report
  • Driving license of Participant (only for motor accidents)
  • Copy of Participant NRIC
  • Original Medical bills
  • Medical Leave certificate (if applicable)
  • Credit card statements/Bank Statements (as proof of payment)

Once you have all of these things together, download and complete a claim form from Kurnia, they should send you one via fax or email.

For all the services covered by Kurnia you will receive an offer letter and a discharge voucher on the amount payable. Get the discharge letter signed and delivered back to Kurnia for your claims to be released.


Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 70 years of age

More Information

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.

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