Kurnia Perfect Rider 24hr

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

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 the Kurnia Perfect Rider 24hr Plan About? 

The Perfect Rider 24hr plan is a dedicated Personal Accident (PA) policy that provides round-the-clock protection for you and your loved ones, anywhere in the world. Unlike basic PA plans, it also includes the major bonus of unlimited towing services in Malaysia for your named private vehicle, combining financial protection with practical roadside assistance.

What does This Personal Accident Plan Cover?

This plan provides comprehensive coverage that extends beyond just road accidents:

• Lump Sum Protection: Pays up to RM80,000 for Accidental Death or Permanent Disablement per person (Plan 3 maximum).
• Double the Cover: You receive Double Indemnity (up to RM160,000) for road accidents that occur in Malaysia during a National Public Holiday.
• Medical Support: Reimburses up to RM500 for medical expenses, including necessary corrective dental work and cosmetic surgery, following an accident.

What are the Additional Benefits of This Insurance?

The unique features of this plan focus on convenience and financial relief:

• Unlimited Towing: Enjoy 24-hour vehicle breakdown assistance and unlimited towing services anywhere in Malaysia, complete with unlimited toll charges.
• Financial Relief: Includes a Bereavement Allowance and cover for your Outstanding Credit Card Balance (up to RM500) in case of accidental death.
• Global Access: The policyholder is covered 24 hours worldwide for Accidental Death or Permanent Disablement.

Who Can Apply for This Personal Accident Plan?

The policy is highly accessible, being available to:

• Private vehicle owners (aged 18 to 85) and their spouses, parents, and employees.
• Children (aged 30 days to 18 years, or up to 23 if studying full-time).
• Malaysians, Permanent Residents, and Work Permit/Pass Holders legally residing in Malaysia.

Is There Anything Else I Should Know?

Yes, key exclusions mean the policy will not pay benefits if the accidental injury or death results from:

• Pre-existing conditions.
• Suicide or war risks.
• Losses incurred while the vehicle is used for racing, speed testing, or hire.

Will I Get A Refund for Any Cancellations?

Yes. You can cancel your policy by giving written notice. If no claim has been made, you will receive a refund based on the short-period table for the unexpired portion of the premium.

What Documents Do I Need to Renew Online?

If you opt for the auto-renewal payment instruction, the policy automatically renews, and no renewal documents are issued; your existing policy remains the evidence of valid cover. You must ensure your nominated payment account remains active for the premium to be charged when due.

For more information, please check out the following documents.

1. Product Disclosure Sheet

2. 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).