RHB Insurance

Underwritten by RHB Insurance Berhad

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.

    • Up to RM1m Accidental Death Benefit
    • Up to RM1m TPD Benefit
    • Up to RM10000 Medical Expenses Benefit

Get covered now with RHB Max Personal Accident Insurance

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 RHB Max Personal Accident Insurance

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 RHB Insurance 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.

View product disclosure sheet.


What makes this insurance policy stand out?

  • Cover Type
    for individual and child
  • Maximum Entry Age
    protection up to 75 years of age
  • Renewal Bonus
    10% increase of sum assured up to 50% Sum assured for accidental death and permanent disablement


How much you can claim for RHB Max Personal Accident Insurance

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM50000 up to RM1000000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM50000 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 RM10000 includes cover for Dengue, Malaria, JE or Avian Flu
    • Double Indemnity
      For death that occurs using public transportation you get double the accidental death benefits.
      from RM100000 up to RM2000000
    • Dental And Cosmetic Surgery
      Total cover for dental treatment and reconstructive surgery for injuries that are accident related.
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
    • Transportation Of Mortal Remains To Home Country
      For expenses to return your ashes or body back to Malaysia for death while abroad.
    • Funeral Expenses
      What your insurer will cover for your funeral if you pass away in an accident
    • Hospital Allowance
      This is a cash benefit if you're admitted to the hospital due to an accident.
      from RM80 up to RM230
    • Hospital Admission
      Amount covered for cashless hospital admission if you're involved in an accident.
      RM3000 subject to overall Medical Expenses limit
    • Post Mortem Report
      For the cost involved in determining the cause of death of the policyholder.
    • Home Nursing
      How much you can claim for home nursing care, if certified by a hospital following an accident.
    • Alternative Medical Treatment
      In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
      RM50 per visit, up to RM500
    • HIV Due To Blood Transfusion
      Insured coverage if you contract HIV as a result of a contamintated blood transfer.
      from RM5000 up to RM100000
    • Kidnap
      Cover benefits provided by the insurer if policyholder is kidnapped.
      from RM50000 up to RM1000000 exclusive of RM25,000 reward for information
    • Major Burn
      Total insured cover if you suffer 2nd and/or 3rd degree burns in an accident.
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      from RM50000 up to RM1000000
    • Snatch Theft
      For damage and loss of personal belongings if you're a victim of snatch theft.
    • Prostheses
      Total cost covered for purchase of artificial limbs if you lose your arms or legs in an accident.
    • Weekly Benefit
      Extra cash payout if you are unable to work while you recuperate after an accident.
      from RM50 up to RM500
    • Travel Expenses
      Travel reimbursement for family members to visit you while in the hospital.
    • Miscellaneous Benefits
      RHB Max Personal Accident Insurance also provides the following benefit:
      Bereavement Allowance
      Additional Hospital Allowance
      Coma Due To Accident
      Miscarriage Due To Motor Vehicle Accident
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Hajar is starting a first day of work at a travel agency firm on the right foot, with her very own personal accident insurance plan. Weekly benefits included!

    Suggested PremiumRM131.00
    Get Quote
  • Retiree

    Turning age 72 years soon, Pak Alif is renewing his PA insurance policy that provides cover for senior citizens like himself.

    Suggested PremiumRM409.00
    Get Quote
  • VIP

    Mr. Tan doesn't just operate from the boardroom, he's on site regularly at factories across the country each day. It wasn't his idea, but his wife insists that he gets the best insurance policy there is.

    Suggested PremiumRM1106.00
    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 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.

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 75 years of age

Frequently Asked Questions about RHB Max Personal Accident Insurance

Things you might want to know

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.

Read More