Kurnia Perfect 10 Personal Accident Insurance

Before you claim at Kurnia, make sure that you have or are admitted to a Kurnia Insurance Panel Hospital or clinic. Check out the one closest to you, or give them a call to find the one most accessible, at their 24-Hour helpline at 1-800-88-3833.

Aside from the Claim Form, you will also need some supporting documents, such as the following.

For Accidental Death:

• Completed Claim Form
• Death Certificate
• Post Mortem Report
• Burial Certificate
• Police Report and copy of driving license (if involved in a motor vehicle accident)
• Letter of Administration (claim > RM100k) and Statutory Declaration from next of kin (claim < RM100k)
• Sijil Faraid for Muslim
• Nominee relationship proof (e.g, Birth Certificate, Marriage Certificate)
• IC copy of the insured

For Permanent Disablement:

• Completed Claim Form
• Police Report and copy of driving license (if involved in a motor vehicle accident)
• Medical Report, including a comment on the percentage of disability
• Original photographs of the Insured Person/Claimant (full and close-up on the injury and disability)
• IC copy of the insured

For Medical Expenses:

• Completed Claim Form
• Medical Report
• Original Medical Bills and receipts
• Police Report and copy of driving license (if involved in a motor vehicle accident)
• IC copy of the insured

For Hospital Income:

• Completed Claim Form
• Medical Report
• Copy of Inpatient hospitalisation invoice
• Police Report (if involved in a motor vehicle accident)
• IC copy of the insured

For Weekly Benefits:

• Completed Claim Form
• Medical Report
• Police Report (if involved in a motor vehicle accident)
• Medical Leave certificate/slip
• IC copy of the insured

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 for the amount payable. Get the discharge letter signed and delivered back to Kurnia for your claims to be released.

What is Kurnia Perfect 10 Personal Accident Insurance?

It's a personal accident insurance policy that covers you against death or disablement caused by an accident. It offers 10 different plans, so you can choose the level of coverage that fits your needs and budget. It also includes cover for personal liability and acts of terrorism.

What does this personal accident plan cover?

The plan provides a lump sum payment if you suffer from accidental death or permanent disablement. It also helps pay for medical-related costs, including:

• Medical Expenses: Covers hospital bills, surgical treatment, and even traditional treatment.
• Hospital Income: Gives you a weekly allowance while you're confined in a hospital.
• Post-Hospitalisation Allowance: Provides a weekly allowance after you're discharged to help with recovery.
• Other Expenses: Covers ambulance fees, corrective dental or cosmetic surgery due to an accident, repatriation expenses, and a bereavement allowance.

What are the additional benefits of this insurance?

This plan includes several free extensions to your cover, such as protection for injuries or death arising from:

• Amateur sports, including scuba diving and motorcycling
• Hijacking and unprovoked murder or assault
• Natural disasters, food poisoning, and drowning
• Personal Liability cover up to RM100,000
• Terrorism Cover

Who can apply for this personal accident plan?

You can apply if you are a Malaysian citizen, a Permanent Resident, or a Work Permit Holder in Malaysia. The plan can also cover your legal spouse and children who are legally residing in Malaysia. 

The entry age for adults (you or your spouse) is from 16 to 65 years old. For children, the age limit is from 30 days to 18 years old, or up to 23 years old if they are a full-time student.

Is there anything else I should know?

Yes, this policy has key exclusions. It does not cover death or injury caused by suicide or self-injury, the influence of alcohol or drugs, pre-existing physical defects or illnesses, or venereal disease. 

It also excludes engaging in professional sports or high-risk activities like parachuting, hang-gliding, and mountaineering with ropes. You should read the full list of exclusions in the Policy Wording.

Will I get a refund for any cancellations?

Yes, you can cancel your policy by giving 7 days' written notice. If you haven't made a claim, you'll be entitled to a partial refund of your premium. This is calculated based on the "short-period rates" for the time the policy was active. 

However, no refund is given if a claim has been made, if the refund amount is less than RM10, or if you pay your premium monthly.

What documents do I need to renew online?

The policy is renewed annually. If you've signed up for the auto-renewal payment instruction, your policy renews automatically when your premium is paid, and "No renewal documents are issued". 

If you don't use auto-renewal, you will need to renew your cover annually. No documents are required; however, you have a "duty of disclosure," which means you must do the following for the renewal to be valid:

• Disclose Any Changes: You must inform Kurnia of any changes to your personal details or risk profile when you renew. This includes changes to your:
  • Occupation
  • Contact details
  • Personal pursuits (hobbies, sports, etc.)
  • Nomination
• Pay the Premium: The policy is renewable "by mutual agreement", which is completed when you pay the renewal premium and the company accepts it.

For more information, please check out the following documents.

• Product Disclosure Sheet
• Policy Wording

The benefit(s) payable under this eligible policy is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact Liberty General Insurance Berhad or PIDM (visit www.pidm.gov.my).