Kurnia Perfect Rider Plus

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 hospitalization 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 This Perfect Rider Plus Insurance?

Perfect Rider Plus is a comprehensive Personal Accident (PA) insurance plan designed to offer additional, flexible protection that complements your existing motor insurance policy. It is focused entirely on providing extensive financial support and assistance services for the people involved—the driver and all passengers in case of an accident or breakdown.

What Does This Personal Accident Plan Cover?

This plan provides lump sum payouts and allowances for accidental injuries:

• Lump Sum Payouts: Up to RM120,000 for Accidental Death or Permanent Disablement for the driver and passengers, with the policyholder receiving 24-hour worldwide PA cover.
• Financial Allowances: Includes a daily Hospital Income (up to RM150/day), Bereavement Benefit, and coverage for Outstanding Credit Card Balance.
• Medical and Repair Expenses: Reimburses Ambulance Fees, and medical costs, including corrective dental and cosmetic surgery, up to the plan limits.

What Are the Additional Benefits of This Insurance?

The policy is essentially a travel and emergency assistance package:

• Towing & Breakdown: You are entitled to 24-hour Vehicle Breakdown Assistance with unlimited towing within Malaysia for certain plans, including unlimited toll charges.
• Travel Perks: Includes arrangements for Hotel Accommodation and Taxi/Car Rental Assistance following a breakdown, as well as an International Assistance benefit for breakdowns in Singapore, Brunei, and Thailand (within 60km of the border).
• Special Allowances: Provides a Compassionate Flood Expenses allowance and a Compassionate Cover for Smash and Grab lump sum.

Who Can Apply for This Personal Accident Plan?

The plan is available to private vehicle owners aged 17 years and above. It's crucial to note that the policy requires the named vehicle to be covered under an active motor insurance policy to remain valid. Passengers of all ages are covered under the plan.

Is There Anything Else I Should Know?

Yes, the major exclusions for this plan involve:

• Any injury or death arising from pre-existing conditions, pregnancy, or suicide.
• Losses incurred while the vehicle is used for racing, road rally, or hire.
• Incidents where the driver is under the influence of alcohol or drugs, or driving without a valid license.

Will I Get A Refund For Any Cancellations?

Yes. You can cancel your policy by giving 14 days' written notice to the company. If you have not made any claims, you are eligible for a refund of the unexpired portion of the premium based on a short-period table.

What Documents Do I Need to Renew Online?

The policy automatically becomes null and void if the named vehicle is no longer insured under a private vehicle motor policy. To renew, you must therefore ensure your motor insurance policy is active and be prepared with your current policy details.