RHB Insurance

Underwritten by RHB Insurance Berhad

RHB Family Personal Accident Plan

Keep the family safe with an exclusive PA plan from RHB that provides 100% cover for you and your spouse, and also protection for your child. With 24-hour service from Asia Assistance, all it takes is a single phone call!

    • Up to RM300k Accidental Death Benefit
    • Up to RM450k TPD Benefit
    • Up to RM6000 Medical Expenses Benefit
View product disclosure sheet.


What makes this insurance policy stand out?

  • Cover Type
    for couple, family and individual
  • Maximum Entry Age
    protection up to 70 years of age
  • Worldwide Assistance
    24-hour worldwide assistance
  • Renewal Bonus
    10% increase of sum assured up to 30% Sum assured for accidental death and permanent disablement


How much you can claim for RHB Family Personal Accident Plan

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM100000 up to RM300000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM150000 up to RM450000 up to RM75,000 for children
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    from RM100 up to RM300
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    from RM4000 up to RM6000 up to 3,000 for children
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
    • Repatriation
      Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
      from RM2000 up to RM6000 10% for children
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
      from RM2000 up to RM6000 10% for children. Not payable if Repatriation claimed
    • Hospital Allowance
      This is a cash benefit if you're admitted to the hospital due to an accident.
      from RM200 up to RM600 up to RM150 for children
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      from RM100000 up to RM300000
    • Temporary Partial Disablement
      Partial compensation if you are temporarily only able to perform limited work after an accident.
      from RM50 up to RM150
    • Travel Expenses
      Travel reimbursement for family members to visit you while in the hospital.
      from RM200 up to RM400 per week
    • Miscellaneous Benefits
      RHB Family Personal Accident Plan also provides the following benefit:
      Child Allowance
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Diana worries for the little one in the backseat as she makes those long drives to work each day. She wants to get a PA policy which provides protection for the both of them. 

    Suggested PremiumRM267.00
    Get Quote
  • Machinery Operator

    Gopal and his wife don't have children yet. His job is potentially hazardous at times, so he's decided to get a personal accident plan and include his wife as well.

    Suggested PremiumRM816.00
    Get Quote
  • Young Entrepreneur

    More important to Kalananthini then the growing business she runs is the well-being of her family. She only wants the best policy to cover her spouse and two children.

    Suggested PremiumRM1080.00
    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

There are a few things that you might want to take note of before you go to make an insurance claim with RHB. You will need to have with you a list of documents that might vary depending on the nature of your claim. However, before we move on to that list, you will first need to make a call to RHB's hotline, to notify them of the incident that has occurred and request that they send you a claim form to fill in. You will also need to produce a written statement describing the incident in detail. 

The documents you need are as follows;

For a regular personal accident claim, you will need to 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 30 days of age
Maximum Age
At most 65 years of age
Maximum Renewal Age
At most 70 years of age

Frequently Asked Questions about RHB Family Personal Accident Plan

Things you might want to know

So, tell me about the RHB Family Personal Accident plan..

As the name suggest, this is a personal accident insurance plan made to protect not just yourself as the policy holder, but your entire family as well. The policy itself has 3 plans for you to choose from, and comes with affordable annual premiums so you know that you’re not going to break your budget.

What does the policy cover?

Following the structure of any personal accident insurance, the Family PA will cover accidental death, temporary and permanent disability, medical expenses, along with some hospital and ambulance fees. Since it’s a plan to encompass your spouse and child as well, there is a child allowance benefit specially given, for children who are hospitalized for more than a week due to an accident.

Other than that, the policy plans will cover alternative traditional treatments, should that be your preferred choice of healing and travel allowance. So incase, one of your family is put in a difficult position in terms of not being able to afford transportation to visit you whilst you are recovering.

Is there a renewal bonus?

Yes, it just so happens there is. For every three years that you make a renewal the sum assured for death and permanent disablement will increase by 10%. It will be a continued increase up to a maximum of 30%, regardless of whether or not you have made any claims.

Who can apply?

Well as this is a family plan, the policy will need the aspect of 2 parents with children, therefore you can pick it up any time after the age of 18 if you fit that criteria. You will need to take note that both you and your spouse need to pick up this plan before you turn 65 as that is the maximum entry age for this insurance policy.

Any children included under the umbrella of this policy needs to be more than 30 days old. They will have continued protection up to the age of 19 or 23 if they are still full time students.

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