RHB Insurance

Underwritten by RHB Insurance Berhad

RHB Essential PA

RHB protects you and your family from personal accidents with an insurance policy that provides high accidental death and permanent disablement benefits, including 10% advance payment. Enjoy renewal bonuses and no claim refunds on your premiums!

    • Up to RM1m Accidental Death Benefit
    • Up to RM1m TPD Benefit
    • Up to RM15000 Medical Expenses Benefit
View product disclosure sheet.


What makes this insurance policy stand out?

  • Cover Type
    for individual
  • Maximum Entry Age
    protection up to 70 years of age
  • Renewal Bonus
    5% increase of sum assured up to 15% if no claims made
  • No Claim Bonus
    10% permium refund after 3 years on total premiums


How much you can claim for RHB Essential PA

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM100000 up to RM1000000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM100000 up to RM1000000
  • 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.
    from RM3500 up to RM15000
    • Miscellaneous Benefits
      RHB Essential PA also provides the following benefit:
      Bereavement Allowance
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Protection is essential for Prakash who loves taking roadtrips in his free time. He's on a tight string as are his lil' trips, so he'll get a basic plan.

    Suggested PremiumRM103.00
    Get Quote
  • Office Admin

    After her office moved to Putrajaya, Sheila now has to commute longer hours each day. Her family insists that she get a plan to additional cover. 

    Suggested PremiumRM418.00
    Get Quote
  • VIP

    Mr. Ling has a business and family to care for. But as importantly, he also need to take his safety into consideration. Which is why he's going premier with his PA insurance.

    Suggested PremiumRM1105.00
    Get Quote

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

How to Claim

To make a Personal Accident insurance claim with RHB you will need to put together a list of documents before hand. RHB will require some specific pieces of information from you so for the benefit of yourself or your proxy should you be incapacitated. You will first need to notify RHB as soon as possible following what ever incident it was that requires your claims, and request from them a claim form. Following that, write out a formal statement documenting the incident and the extent of injuries incurred. 

Attach both the claim form and you statement to the following list of documents;

  • Original Police Report (where necessary)
  • Medical Reports
  • Medical Leave certificates
  • Original bills and receipts
  • Photo evidence (for Total Permanent Disability)

In the even of your death, your appointed proxy or beneficiary should put together the following list of documents including the claim form and statement;

  • Police Report
  • Post Mortem Report
  • Death Certificate
  • Burial Certificate
  • Letter of Administration 
  • Funeral Expenses where applicable

When you have all of these documents together, either contact your insurance agent, or head on over the nearest branch and deliver them personally.

Customer Service Hotline
RHB Insurance Claims Hotline


Am I eligible to apply for this insurance?

Minimum Age
At least 18 years of age
Maximum Age
At most 65 years of age
Maximum Renewal Age
At most 70 years of age

Frequently Asked Questions about RHB Essential PA

Things you might want to know

What is the RHB Essential PA about?

As the name suggests this personal accident insurance policy set forth by RHB is one of the more comprehensive plans available on the insurance market. With financial aid and protection in the more common and likely threats against your personal safety.

How much does the plan cover?

Aside from the usual covers for accidental death as well as a disability cover, this personal accident plan also covers medical expenses, bereavement benefit and an array of other activities or situations and illness that are detrimental to your state of health.

You will have coverage for hijacking, murder and assault as well as, in the case you are caught in a strike, riot or any other sort of civil commotion. In the current climate of our social affairs, it is hard to determine what the immediate threat is, therefore this plan intends to cover all its bases. Depending on your lifestyle or work environment you might be at risk from other less common issues therefore you will also be covered for accidental gas inhalation, drowning, food or drink poisoning, intoxication and exposure to elements.

If you are more of an outdoorsy personality then you will be grateful for the following set of covers, mainly insect, snake or animal bites, hunting and mountaineering accidents, bungee jumping for the adrenaline junkie and motorcycling. With some of these incidents occurring from both work and pleasure settings, it would be an added cushion for you to have when participating in them.

Are there any other benefits?

Sure there are, benefits are easy to come by with a policy like this. First of all, the policy comes with a total of 5 plans to choose from, each with varying premiums and range of coverage. Meaning, you will be able to choose the plan you want with the coverage you want at your own pace, to meet your budgetary needs.

Another benefit, is the renewal bonus that you will receive every year of 5% up to a maximum of 15% every year that you renew the policy. On top of that, the policy comes with a no claim bonus as well. Every 3 years that you do not make a claim from your insurance, you will get 10% cashback on the accumulated total premiums.

Who can apply for this policy?

The policy is open to anyone over the age of 18, so if you would like to pick it up as an individual you may do so. Maximum entry age for this policy is 65 years or age. If you are already a policyholder before then, you can continue to renew the plan till the age of 70.

Read More