MPI Generali The Gladiator

Enjoy a renewal bonus of up to 50% on each renewal if you've not made a single claim. Double indemnity - double the claim amount when unfortunate events happen while you're on a public transport.

MPI Generali The Gladiator
Accidental Death
up to RM1m
Permanent Disablement
up to RM1m
Medical Expenses
up to RM10k


What makes this insurance policy stand out?

Cover Type
  • For Individual
Maximum Entry Age
Protection up to 70 years
Worldwide Assistance
24-hour assistanceCashless Hospital Admission
Renewal Bonus
10% increase of sum assured up to 50%   for accidental death or permanent disablement


How much you can claim for MPI Generali The Gladiator

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM50k up to RM1m 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM50k up to RM1m 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM3.5k up to RM10k 
Double IndemnityFor death that occurs using public transportation you get double the accidental death benefits.
from RM100k up to RM2m 
Dental And Cosmetic SurgeryTotal cover for dental treatment and reconstructive surgery for injuries that are accident related.
from RM5k up to RM5k 
Ambulance FeeFor the ambulance ride to the hospital and paramedics who arrive on the scene.
from RM500 up to RM500 
RepatriationTotal expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
from RM3k up to RM3k 
Funeral ExpensesWhat your insurer will cover for your funeral if you pass away in an accident
from RM5k up to RM5k 
Bereavement BenefitCash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
from RM5k up to RM100k 
Financial ObligationAmount covered by your insurer for death and TPD on your housing & car loans and outstanding credit card balance.
from RM5k up to RM50k 
Hospital AllowanceThis is a cash benefit if you're admitted to the hospital due to an accident.
from RM75 up to RM225 per day, up to 180 days
Alternative Medical TreatmentIn case you'd prefer to seek treatment from a registered traditional medicine practitioner.
from RM50 up to RM50 per visit up to RM500
KidnapCover benefits provided by the insurer if policyholder is kidnapped.
from RM5k up to RM25k 
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
from RM75k up to RM1.5m 
ProsthesesTotal cost covered for purchase of artificial limbs if you lose your arms or legs in an accident.
from RM1k up to RM1k 
Impotency Or InfertilityCompensation to policyholder if an accident causes damage or loss of reproductive organs.
from RM5k up to RM100k 

How to Claim

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

Submitting a claim is not as scary and complicated as you imagine, all you need to do is get the required documents ready and fill in a claim form. Here are the supporting documents required for various incidents:

For death benefit,

  • Police report
  • Death certificate
  • Burial certificate
  • Post mortem report
  • NRIC and passport of the deceased

For permanent disablement benefit,

  • Medical certificate
  • Photographs or x-ray report if there's severance of any part of body

For total paralysis care benefit,

  • Medical certificate

For repatriation benefit,

  • Invoice or receipt of expenses incurred in transporting mortal back to home country

For personal liability benefit,

  • Statement of claim from the third party
  • Other documents to support the claim


Minimum Entry Age
At least 16 years of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 70 years of age

More Information

Do I need a personal accident insurance?

Life can be unpredictable; before you know it, all your years of hard works go down the drain if an accident happens upon you, leaving your family with little to no resources to live on.

Having a personal accident policy, especially The Gladiator by MPI Generali, can help lighten the financial burden your family might have to deal with during tough time.

What can I get from MPI Generali The Gladiator?

This personal accident insurance offers unique benefits with higher coverage limit. In the event of death and permanent disablement due to accident, you will be paid with lump sum benefits, which will be doubled when accident occurred while using public transportation.

You will also be covered for medical expenses, dental and cosmetic surgery due to accident, personal liability and kidnap. On top of that, you will receive cash allowances for hospitalization, funeral expenses and other financial obligations such as car or housing loans.

Do I get discount for renewal?

You will receive an increment in sum insured by 10% and up to 50% every renewal year, provided that there is no claim lodged under accidental death and permanent disablement made during the coverage period.

How much premium do I have to pay?

Depending on the types of plans you chose with sum insured ranging from RM50,000 to RM1 million, your premium payment, inclusive of 25% agent commission, 6% GST and RM10 Stamp Duty, is chargeable annually.

What else do I need to know about this PA insurance?

This is a cash-before-cover policy, meaning a full premium must be paid before the policy can become effective. Also, you must nominate a nominee for this personal accident plan.

Can I cancel the policy after purchasing it?

MPI Generali requires a written notice from you before you can make any cancellation. Bear in mind that you will not get any refund of premium for the period beyond the date of termination.

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