Pacific and Orient PA 10 Plus

Get the essential coverage you need from a personal accident insurance plan with Pacific & Orient Insurance, and get enjoy a 5% renewal bonus increase on your coverage for the next 5 years.

Pacific and Orient PA 10 Plus5% Renewal Bonus
Accidental Death
up to RM200k
Permanent Disablement
up to RM200k
Medical Expenses
up to RM3k

Features

What makes this insurance policy stand out?

Cover Type
  • For Individual
  • For Family
Maxmium Entry Age
Protection up to [object Object] year
Worldwide Assistance
24-hour worldwide assistance
Renewal Bonus
5% increase of sum assured  

Coverage

How much you can claim for Pacific and Orient PA 10 Plus

Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM25k up to RM200k 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM25k up to RM200k 
Temporary Total DisablementCash compensation if you are unable to work temporarily because of total disability.
from RM50 up to RM100 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM300 up to RM3k 
Double IndemnityFor death that occurs using public transportation you get double the accidental death benefits.
from RM50k up to RM400k 
Compassionate CoverExtra cash benefit to family of policyholder if death is because of an accident.
from RM1k up to RM3k 
Hospital AllowanceThis is a cash benefit if you're admitted to the hospital due to an accident.
from RM25 up to RM150 
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
from RM25k up to RM200k 
Temporary Partial DisablementPartial compensation if you are temporarily only able to perform limited work after an accident.
from RM25 up to RM50 

How to Claim

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

There are several things that you might want to know when deciding to make a claim with Pacific and Orient Insurance.

  • You will first need to immediately contact Pacific and Orient Insurance to notify them of the incident that resulted in the need to make a claim. They will provide you with a claim form to fill in along with a list of documents that you should attach to the claim. 
  • After you have completed the claims form make sure you have a copy of the following documents. A copy of your NRIC, drivers license and a written statement about the incident that lead to the claims. 
  • You might also want to have on hand original copies of your Medical and Hospital Reports, Police Reports if necessary and the Original Bills and Receipts from the hospital. 
  • Once you have everything together either head over the nearest branch or contact you insurance agent and have them deliver the forms for you.

Requirements

Minimum Entry Age
At least 3 years of age
Maximum Entry Age
At most 65 years of age

More Information

What is the PA 10 Plus?

Pacific and Orient, personal accident insurance plan, PA 10 Plus an insurance policy with added perks that can help you possibly prolong your stay here on earth, if you find your lifestyle to be a bit on the edge of safety. The policy itself covers an array of situations resulting in accidents, while at the same time providing you with the freedom of choice as to how much you really want covered.

What are some of the coverage benefits?

Of course, like most insurance plans this one provides protection in the case of accidental death, permanent disablement, medical expenses as a result of an accident, compassionate allowance and personal liability. But the protection does not stop there.

You as a policy holder can pick and choose from the list below other occurrences and activities you want insurance coverage for;

  • Yachting/Scuba Diving
  • Professional Sports/Games
  • Martial Art of Self-Defense
  • Hunting
  • Use of wood working Machinery
  • Clinic Medical Expenses.

With a little extra premium, you can be covered for all the above lifestyle choices as well.

How do the premiums work?

This policy comes with a choice of 4 plans that you can decide how you want to cover you, as it is your insurance coverage. The premiums for this policy is calculated on an annual basis and will vary depending on your age, job description and possibly your financial limits.

So, make sure to take your time in selecting the plan you want, and going over all the details with your agent. Also, this policy accommodates couples and families as well. Which also creates room for the premiums to shift. In fact, it might be cheaper to purchase a collective policy rather than an individual one.

Are there any exclusions?

Of course, there are. However, the list is long and you may want to go over it closely with your insurance agent for through clarification. But for the time being, you might want to make a note that, any hazardous hobbies, or activities will not be covered by the plan, along with any pre-existing illnesses.

Who can apply for this plan?

The policy is open to anyone over the legal age of 18. Parents can apply for a family plan as long as their children are 3 years or older. The maximum entry age for the plan is 65 years old.