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!

QBE PA Protector
Accidental Death
Not covered
Permanent Disablement
Not covered
Medical Expenses
up to RM12k


What makes this insurance policy stand out?

Cover Type
  • For Individual
  • For Couple
  • For Family
Maximum Entry Age
Protection up to 75 years
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 DisablementAmount paid if an accident results in death or permanent disablement of the policyholder.
from RM125k up to RM1.5m 
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 RM5k up to RM12k 
Double IndemnityFor death that occurs using public transportation you get double the accidental death benefits.
2x of Death & Permanent Disablement and Renewal Bonus
Dental And Cosmetic SurgeryTotal cover for dental treatment and reconstructive surgery for injuries that are accident related.
from RM5k up to RM10k 
Ambulance FeeFor the ambulance ride to the hospital and paramedics who arrive on the scene.
from RM1k 
RepatriationTotal expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
from RM20k 
Funeral ExpensesWhat your insurer will cover for your funeral if you pass away in an accident
from RM5k 
Bereavement BenefitCash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
from RM12.5k up to RM150k 
HIV Due To Blood TransfusionInsured coverage if you contract HIV as a result of a contamintated blood transfer.
from RM12.5k up to RM150k 
KidnapCover benefits provided by the insurer if policyholder is kidnapped.
from RM5k RM5000 for necessary expenses and RM25,000 reward for information
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
from RM150k up to RM300k 
Snatch TheftFor damage and loss of personal belongings if you're a victim of snatch theft.
from RM300 
TerrorismIf you get injured or suffer loss or damage of your property due to terrorist crimes.
As charged
ProsthesesTotal cost covered for purchase of artificial limbs if you lose your arms or legs in an accident.
from RM1.5k 
Impotency Or InfertilityCompensation to policyholder if an accident causes damage or loss of reproductive organs.
from RM12.5k up to RM150k 

How to Claim

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

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.


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

More Information

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.

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