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!

Kurnia Star Personal Accident Insurance
Accidental Death
up to RM10k
Permanent Disablement
up to RM10k
Medical Expenses


What makes this insurance policy stand out?

Cover Type
  • For Individual
  • For Child
Maximum Entry Age
Protection up to 65 years
Worldwide Assistance
24-hour worldwide assistance


How much you can claim for Kurnia Star Personal Accident Insurance

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
Flexiup to RM10k 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
Flexiup to RM10k 
Temporary Total DisablementCash compensation if you are unable to work temporarily because of total disability.
Flexiper week
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
Flexiup to RM5000
Bereavement BenefitCash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
up to RM2k 
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
up to RM75k 
Temporary Partial DisablementPartial compensation if you are temporarily only able to perform limited work after an accident.
Flexiper week

How to Claim

Who do I contact if I have a question or emergency?

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.


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

More Information

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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