What is great about the Flexi Care Cover?
If you are looking for both a comprehensive and flexible protection plan then this personal accident policy by QBE is the plan for you. It offers you great coverage for a variety of incidents that could happen, on top of some great benefits.
What does it cover exactly?
The policy will cover all the bases with the essential protection for death, permanent and temporary disablement, but it is common knowledge that those are not the only outcomes of an accident. Therefore, with this policy you will also have a medical expenses coverage for more minor medical treatment services that you might need.
Other than that, you will have coverage for reconstructive dental and cosmetic surgery in the event you are caught in an accident that damages your face. If you are disabled permanently then the policy will offer a certain amount of financial backing for the purchase of a prostheses. Since car accidents and clumsiness is not the only way to warrant injuries, the policy also provides coverage if you are kidnapped.
There are several other benefits, including a cover for ambulance fees, hospital allowances, repatriation, funeral expenses and a post mortem report. These are all the worse ends of an accident, but should you be recovering in a hospital too far away from home, your family will be granted a visitation allowance to offset the expenses that they have trying to get to you.
Who can apply for this policy?
The QBE Flexi Care Cover is an individual protection policy therefore it will apply to any Malaysian over the age of 18 who wants it. On that note, the maximum entry age for this policy is 65 years old. It is only if you have had the policy before then, that you can continue to renew it to a maximum age of 70 years old.
Is there a no claim bonus?
Yes, there is! For every year that no claims are made and the policy is renewed there will be a 10% increase to the sum assured. The sum will continue to increase to a maximum addition of 50% before it stabilized.