Underwritten by AmGeneral Insurance Berhad

Kurnia Star Personal Accident Insurance

Maximise your Ringgit with a personal accident which let's you customise your sum assured the way you want it! Enjoy complimentary protection against personal liability, bereavement allowance and more without paying a single sen extra!

    Get covered now with Kurnia Star Personal Accident Insurance

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    What makes this insurance policy stand out?

    • Cover Type
      for individual and child
    • Maximum Entry Age
      protection up to 65 years of age
    • Worldwide Assistance
      24-hour worldwide assistance


    How much you can claim for Kurnia Star Personal Accident Insurance

    • Accidental Death
      The coverage amount paid to your closest family members if you die in an accident.
    • Permanent Disablement
      Cash payout following an accident if you can't work any longer or perform day to day tasks.
    • Temporary Total Disablement
      Cash compensation if you are unable to work temporarily because of total disability.
      Flexi per week
    • Medical Expenses
      What's covered for your medical treatment and services if you're involved in an accident.
      Flexi up to RM5000
      • Temporary Partial Disablement
        Partial compensation if you are temporarily only able to perform limited work after an accident.
        Flexi per week
    View more coverage details +


    How much your premiums may cost

    • Fresh Graduate

      24 years old fresh graduate Zuliana wants to stay ahead of the game, so she's getting a personal accident insurance plan to prepare for unforeseen incidents.

      Suggested PremiumRM146.00
      Get Quote
    • Assembly Line Worker

      Ms. Phua is in her late 40s and she plans on getting her first insurance policy. However, her premium will be a little more expensive as her occupation is categorised as a Class 3 occupation.

      Suggested PremiumRM262.00
      Get Quote
    • Business Traveller

      At the age of 45, Hafeez is a frequent flyer who manages an international fashion brand. As a family man, he wants to give his family full financial protection.

      Suggested PremiumRM439.00
      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


    Am I eligible to apply for this insurance?

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

    Frequently Asked Questions about Kurnia Star Personal Accident Insurance

    Things you might want to know

    What can Kurnia Star Personal Accident Insurance do for me?

    Kurnia Insurans will go at lengths to make sure you are protected financially during a hardship. This policy covers you against accidental death or disablement caused by accident in the form of a lump sum benefit payment.

    That's not all, Kurnia Star Personal Accident Insurance also covers personal liability up to RM75,000 and provides bereavement allowance of RM2,000 for FREE!

    How much am I paying for this PA insurance?

    The cost of premium which you need to pay 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.

    Who can apply for this personal accident plan?

    Any individuals holding a Malaysia NRIC, permanent resident status and valid work permit in Malaysia, aged between 18 to 65 can purchase this personal accident insurance.

    You can also insure your child aged between 30 days to 18 years under this same plan for up to RM50,000.

    Are there anything else I should know of?

    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.

    Will I get a refund for cancellation?

    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; however, no refund will be made under the following circumstances:

    • The premium is paid monthly,
    • The refunded amount is less than RM10,
    • Claim has been made within the period of insurance

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