RHB Max Personal Accident Insurance

RHB keeps you safe on the road with maximum cover up to RM1,000,000 for accidental death of permanent disablement, personal liability, and coma benefits. Enjoy renewals on this premier PA insurance plan up to age 75.

RHB Max Personal Accident InsuranceEveryday Protection
Accidental Death
up to RM1m
Permanent Disablement
up to RM1m
Medical Expenses
up to RM10k

Features

What makes this insurance policy stand out?

Cover Type
  • For Individual
  • For Child
Maxmium Entry Age
Protection up to 75 years
Renewal Bonus
10% increase of sum assured up to 50%   Sum assured for accidental death and permanent disablement

Coverage

How much you can claim for RHB Max Personal Accident Insurance

Weekly BenefitExtra cash payout if you are unable to work while you recuperate after an accident.
from RM50 up to RM500 
Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
from RM50k up to RM1m 
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM50k up to RM1m 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM3.5k up to RM10k includes cover for Dengue, Malaria, JE or Avian Flu
Double IndemnityFor death that occurs using public transportation you get double the accidental death benefits.
from RM100k up to RM2m 
Dental And Cosmetic SurgeryTotal cover for dental treatment and reconstructive surgery for injuries that are accident related.
from RM5k up to RM5k 
Ambulance FeeFor the ambulance ride to the hospital and paramedics who arrive on the scene.
from RM1k up to RM1k 
Transportation Of Mortal Remains To Home CountryFor expenses to return your ashes or body back to Malaysia for death while abroad.
from RM5k up to RM5k 
Funeral ExpensesWhat your insurer will cover for your funeral if you pass away in an accident
from RM5k up to RM5k 
Hospital AllowanceThis is a cash benefit if you're admitted to the hospital due to an accident.
from RM80 up to RM230 
Hospital AdmissionAmount covered for cashless hospital admission if you're involved in an accident.
from RM3k up to RM3k subject to overall Medical Expenses limit
Post Mortem ReportFor the cost involved in determining the cause of death of the policyholder.
from RM300 up to RM300 
Home NursingHow much you can claim for home nursing care, if certified by a hospital following an accident.
from RM3.5k up to RM3.5k 
Alternative Medical TreatmentIn case you'd prefer to seek treatment from a registered traditional medicine practitioner.
from RM50 up to RM50 per visit, up to RM500
HIV Due To Blood TransfusionInsured coverage if you contract HIV as a result of a contamintated blood transfer.
from RM5k up to RM100k 
KidnapCover benefits provided by the insurer if policyholder is kidnapped.
from RM50k up to RM1m exclusive of RM25,000 reward for information
Major BurnTotal insured cover if you suffer 2nd and/or 3rd degree burns in an accident.
from RM5k up to RM5k 
Personal LiabilityCoverage if you're required to pay for damages to another person's property and their injuries.
from RM50k up to RM1m 
Snatch TheftFor damage and loss of personal belongings if you're a victim of snatch theft.
from RM300 up to RM300 
ProsthesesTotal cost covered for purchase of artificial limbs if you lose your arms or legs in an accident.
from RM2k up to RM2k 
Weekly BenefitExtra cash payout if you are unable to work while you recuperate after an accident.
from RM50 up to RM500 
Travel ExpensesTravel reimbursement for family members to visit you while in the hospital.
from RM1k up to RM1k 

How to Claim

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

To make an insurance claim with RHB you will first need to have a few key documents. Before that, remember to make a call to RHB, notifying them of the circumstances of your claim and the incident that took place. Have them send you a claim form to download and fill in. You will need to also prepare a written statement documenting the incident. 

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.

Requirements

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

What is the RHB Max PA?

The RHB Max Personal Accident insurance policy is one of the more comprehensive protection policies offered by RHB, so much so it could possibly rival a medical insurance plan altogether. This policy comes with a choice of 6 individual plans to choose from, each with varying degrees of coverage and premium rates, this way you get to choose how much you want to be covered and how much you want to pay for it.

It is a policy designed to give you more, more protection, more benefit and more coverage.

What does the plan cover then?

Much like other regular personal accident insurance plans, this one also covers accidental death, total and permanent disability, medical expenses and hospital fees. But because it is aimed to give you more, whatever plan you choose will also cover, comas due to accidents, HIV disease occurring from a blood transfusion, corrective dental and cosmetic surgery, home nursing care, as well as reimbursement for a prostheses or wheelchair if you are disabled.

This policy offers you a personal liability coverage, double indemnity and a repatriation perk in case you are found incapacitated overseas. Additional benefits include, kidnapping and snatch theft coverage, as we live in a day and age where crime is always at large. You will also have care and coverage should you sustain any 2nd an 3rd degree burns due to an accident.

Is there a no claim bonus?

Sure, there is! For every year there are no claims made the principal sum assured will increase by 10%. This increase will go on every year till you have an increase of 50%.

Who can apply?

Anyone who is over the age of 18 can pick up the plan whenever they please. This plan also can include children, so if you would like to add your kids under the umbrella of this plan they will need to be over 30 days old. They will be able to sustain the protection till the age of 19.