Pacific Insurance

Underwritten by The Pacific Insurance Berhad

Pacific Insurance Master Protector Insurance

Have an umbrella ready for a rainy day with a PA policy which provides coverage at an affordable price. Start your protection at just 20 sen a day, or expand your policy to include weekly benefits, personal liability cover and more!

    • Up to RM200k Accidental Death Benefit
    • Up to RM200k TPD Benefit
    • Up to RM5000 Medical Expenses Benefit
    • Refund On Early Cancellation


What makes this insurance policy stand out?

  • Cover Type
    for individual, couple and family
  • Maximum Entry Age
    protection up to 70 years of age
  • Renewal Bonus
    10% increase of sum assured up to 50%


How much you can claim for Pacific Insurance Master Protector Insurance

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM100000 up to RM200000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM100000 up to RM200000
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    Not Covered
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    up to RM5000
    • Cosmetic Surgery
      Treatment for skin grafts and reconstructive surgery for disfiguration due to an accident.
      up to RM5000
    • Repatriation
      Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
      up to RM5000
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
      up to RM5000
    • Hospital Allowance
      This is a cash benefit if you're admitted to the hospital due to an accident.
      up to RM150
    • Alternative Medical Treatment
      In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
      up to RM500
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      up to RM100000
    • Prostheses
      Total cost covered for purchase of artificial limbs if you lose your arms or legs in an accident.
      up to RM5000
    • Travel Expenses
      Travel reimbursement for family members to visit you while in the hospital.
      up to RM30
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Alif got married recently and is on a tight budget. But he'd like to get basic cover which provides accidental death benefits.

    Suggested PremiumRM89.00
    Get Quote
  • Young Entrepreneur

    Tina has got her own business up and running, so she travels a lot these days. She wants maximum protection and all the benefits.

    Suggested PremiumRM527.00
    Get Quote
  • Machinery Operator

    Choong has to operate heavy machinery as part of his job. He's been safe all this while, but he thinks its time to get a personal accident plan for himself.

    Suggested PremiumRM370.00
    Get Quote

Actual premium rates will be determined by The Pacific Insurance Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

Customer Service Hotline
Pacific Insurance Claims Hotline


Am I eligible to apply for this insurance?

Minimum Age
At least 16 years of age
Maximum Age
At most 60 years of age
Maximum Renewal Age
At most 70 years of age
Who can Apply
  • Malaysians
  • Permanent residents of Malaysia

Frequently Asked Questions about Pacific Insurance Master Protector Insurance

Things you might want to know

Tell me about the Master Protector Personal Accident

As the name states, this is a personal accident insurance plan offered by Pacific Insurance Malaysia means to be both a financial and medical cover against accidents that might occur. The Master Protector is designed to provide 24-hr coverage along with the extension coverage scheme. With affordable premiums and added benefits this is a great plan to have in your pocket for a rainy day.

How much does it cover?

Well of course, the policy will cover death and permanent disablement as do most personal accident insurance plans. However, the difference with this plan is that it will also cover a number of medical expenses that you might incur when caught in an accident. The policy will provide you with hospital cash allowances, coverage for cosmetic or corrective surgery, reimbursement for the purchase of a prostheses or wheelchair as well as weekly benefits due to a disability.

Aside from that, this protection plan includes a reimbursement benefit for traditional medical treatment with a cap of RM50 per session, should you need it.

What are the extension benefits?

Unlike other personal accident insurance plans, this one has coverage that goes above accidents and encompasses a different array of threats that are harmful to you. It is extended to cover accidental drowning, your unprovoked murder or assault, poisoning from food or drinks, amateur sports, strikes, riots and civil commotion.

It will also cover snake and animal bites, suffocation through smoke inhalation, fumes or poisonous gasses, and disappearing following an accident or injury due to intoxication via liquor.

Lastly, there is a renewal bonus benefit that comes with this plan. If you have made no claims during each contract year the capital sum assured will increase by 10% per year up to 50%.

Who is eligible for this plan?

The policy is open to all Malaysians and Permanent Residents of Malaysia as long as they meet the age requirement of 16 years old. Participant’s may include their spouse and children under the umbrella protection of this plan as well.

The maximum entry age for the policy is 60 years old, after which you can continue to renew it every year till the age of 70.

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