Underwritten by AmGeneral Insurance Berhad

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!

    • Up to RM1m Accidental Death Benefit
    • Up to RM1m TPD Benefit
    • Up to RM6500 Medical Expenses Benefit

Get covered now with Kurnia PA Supreme

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What makes this insurance policy stand out?

  • Cover Type
    for individual and family
  • Maximum Entry Age
    protection up to 70 years of age
  • 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 Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM50000 up to RM1000000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM50000 up to RM1000000
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    Not Covered
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    from RM3000 up to RM6500
    • Double Indemnity
      For death that occurs using public transportation you get double the accidental death benefits.
      from RM100000 up to RM2000000
    • Dental And Cosmetic Surgery
      Total cover for dental treatment and reconstructive surgery for injuries that are accident related.
      from RM5000
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
      from RM1000
    • Medical Evacuation Or Repatriation
      Insured cost for emergency medical evacuation, or return of mortal remains if you pass away while traveling abroad.
      from RM10000 up to RM50000
    • Transportation Of Mortal Remains To Home Country
      For expenses to return your ashes or body back to Malaysia for death while abroad.
      from RM5000
    • Funeral Expenses
      What your insurer will cover for your funeral if you pass away in an accident
      from RM5000
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
      from RM5000 up to RM100000
    • Compassionate Cover
      Extra cash benefit to family of policyholder if death is because of an accident.
      from RM100 per day up to RM1000
    • Hospital Allowance
      This 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 Nursing
      How much you can claim for home nursing care, if certified by a hospital following an accident.
      from RM3000
    • Alternative Medical Treatment
      In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
      from RM50 per visit up to RM500
    • HIV Due To Blood Transfusion
      Insured coverage if you contract HIV as a result of a contamintated blood transfer.
      from RM5000 up to RM40000
    • Kidnap
      Cover benefits provided by the insurer if policyholder is kidnapped.
      from RM30000 up to RM25000
    • Major Burn
      Total insured cover if you suffer 2nd and/or 3rd degree burns in an accident.
      from RM5000
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      from RM50000 up to RM400000
    • Snatch Theft
      For damage and loss of personal belongings if you're a victim of snatch theft.
      from RM300
    • Rehabilitation Benefit
      Extra reimbursement to help cover some of the costs while you recover.
      from RM5000
    • Purchase Of Orthopaedic Equipment
      Amount covered for braces, walking aids and other orthotic equipment to help your bones mend.
      from RM1000 up to RM2000
    • Miscellaneous Benefits
      Kurnia PA Supreme also provides the following benefit:
      Miscarriage Due To Motor Vehicle Accident
      Death Due To Natural Disaster
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Raj who has just turned 31 is not much of a big spender. He wants a policy that provides adequate protection but won't burn a hole in his pocket.

    Suggested PremiumRM111.00
    Get Quote
  • Machinery Operator

    40 years old Robin is aware of that the dangers in his job could well become real one day. He is going all out to get himself much needed protection.

    Suggested PremiumRM477.00
    Get Quote
  • Young Entrepreneur

    Aisah is only 29 this year and she now runs a successful online boutique business. She won't hesitate to get the best policy for extra financial security.

    Suggested PremiumRM1144.80
    Get Quote

Actual premium rates will be determined by AmGeneral Insurance Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

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.

Customer Service Hotline
Kurnia Claims Hotline
 +603 2059 6188


Am I eligible to apply for this insurance?

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

Frequently Asked Questions about Kurnia PA Supreme

Things you might want to know

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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