Underwritten by QBE Insurance (Malaysia) Berhad

QBE PA Protector

QBE PA Protector provides coverage for permanent and temporary disablement, lump sum payment for accidental death and medical expenses which comes with additional renewal bonus & double payment!

    • Up to RM12000 Medical Expenses Benefit
    • Up to RM1.5m Accidental Death Or TPD Benefit

Get covered now with QBE PA Protector

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You are one step closer to getting your coverage with QBE PA Protector

Let us know you better so we can help you get the right amount of coverage.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to QBE website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.


What makes this insurance policy stand out?

  • Cover Type
    for individual, couple and family
  • Maximum Entry Age
    protection up to 75 years of age
  • Renewal Bonus
    20% increase of sum assured up to 100% Sum assured for accidental death and permanent disablement


How much you can claim for QBE PA Protector

  • Accidental Death Or Permanent Disablement
    Amount paid if an accident results in death or permanent disablement of the policyholder.
    from RM125000 up to RM1500000
  • Weekly Benefit
    Extra cash payout if you are unable to work while you recuperate after an accident.
    Not Covered
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    from RM50 up to RM100
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    from RM5000 up to RM12000
    • Double Indemnity
      For death that occurs using public transportation you get double the accidental death benefits.
    • Dental And Cosmetic Surgery
      Total cover for dental treatment and reconstructive surgery for injuries that are accident related.
      from RM5000 up to RM10000
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
      from RM1000
    • Repatriation
      Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
      from RM20000
    • Funeral Expenses
      What your insurer will cover for your funeral if you pass away in an accident
      from RM5000
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
      from RM12500 up to RM150000
    • HIV Due To Blood Transfusion
      Insured coverage if you contract HIV as a result of a contamintated blood transfer.
      from RM12500 up to RM150000
    • Kidnap
      Cover benefits provided by the insurer if policyholder is kidnapped.
      from RM5000 RM5000 for necessary expenses and RM25,000 reward for information
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      from RM150000 up to RM300000
    • Snatch Theft
      For damage and loss of personal belongings if you're a victim of snatch theft.
      from RM300
    • Terrorism
      If you get injured or suffer loss or damage of your property due to terrorist crimes.
      As Charged
    • Prostheses
      Total cost covered for purchase of artificial limbs if you lose your arms or legs in an accident.
      from RM1500
    • Impotency Or Infertility
      Compensation to policyholder if an accident causes damage or loss of reproductive organs.
      from RM12500 up to RM150000
    • Miscellaneous Benefits
      QBE PA Protector also provides the following benefit:
      Miscarriage Due To Motor Vehicle Accident
      Out-of Pocket Expenses
View more coverage details +


How much your premiums may cost

  • Young Entrepreneur

    Q runs his own startup business and prefers that his family is financially protected especially if any unfortunate accident were to happen.

    Suggested PremiumRM215.09
    Get Quote

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

How to Claim

In the event that you need to make a claim with QBE, keep in mind there are a couple of key procedures you want to take note of.

Major and Minor Accidents

You will need to contact QBE immediately and inform them of what has occurred whether it be fatal or not. Request that they send you a 'Claims Form' to download and fill in.

You will need to compile a list of the following documentation to attach to the claims form before you submit it;

  • Copy of your NRIC
  • Copy of Driver's license (for road Accidents)
  • Police Reports (where applicable)
  • Medical Report and Physician Reports
  • Original hospital bills and receipts
  • Written notice stating the facts of the Accident in detail

Once you have everything together, submit them ASAP to QBE or your insurance agent for processing.

In the event of your death, the person applying for a claim or your beneficiary will need to include a post mortem report as well as a death certificate.

Customer Service Hotline
QBE Claims Hotline


Am I eligible to apply for this insurance?

Minimum Age
At least 30 days of age
Maximum Age
At most 65 years of age
Maximum Renewal Age
At most 75 years of age

Frequently Asked Questions about QBE PA Protector

Things you might want to know

Tell me more about the QBE PA Protector.

QBE PA Protector gives you the maximum protection with renewal bonus and double payment for accidental death or permanent disablement.

Illustration: Principal Sum of RM1.5M
Year Principal Sum Assured Renewal Bonus Total Max. Payable Amount (with Double Indemnity)
1 RM1.5M 0 RM1.5M RM3.0M
2 RM1.5M +20% RM1.8M RM3.6M
3 RM1.5M
+40% RM2.1M RM4.2M
4 RM1.5M +60% RM2.4M RM4.8M
5 RM1.5M +80% RM2.7M RM5.4M
6 RM1.5M +100% RM3.0M RM6.0M

Renewal Bonus

Based on the illustration above, you are entitled to 20% INCREASE from the principal sum assured for each renewal year up to 100%.

This is regardless of clams made other than permanent disablement - where renewal bonus will start afresh.

Renewal bonus is granted if you insure your policy on a continuous basis.

Double Indemnity, Double Payout!

Receive double payment on you renewal bonus for:

  • In the event of next down total paralysis or loss of use of both limbs due to accident
  • In the event of accidental death while traveling as passenger on public transport or while traveling overseas

Who can apply for this policy?

The QBE PA Protector is an individual and their spouses/children between the ages of thirty (30) days and sixty five (65) years. 

This policy is renewable up to the age of seventy (70) whereby yearly renewal is automatic. You can also choose to upgrade or downgrade your plan upon renewal.

Read More