RHB Insurance

Underwritten by RHB Insurance Berhad

RHB SmartCare PA

Don't let a road accident or major injury set you back financially. Get the comprehensive protection you deserve with extra hospital allowances, personal liability coverage and double indemnity to weather any storm.

    • Up to RM500k Accidental Death Benefit
    • Up to RM500k TPD Benefit
    • Up to RM8000 Medical Expenses Benefit
View product disclosure sheet.


What makes this insurance policy stand out?

  • Cover Type
    for individual
  • Maximum Entry Age
    protection up to 65 years of age
  • Renewal Bonus
    5% increase of sum assured up to 25% Sum assured for accidental death and permanent disablement


How much you can claim for RHB SmartCare PA

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    from RM100000 up to RM500000
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM100000 up to RM500000
  • 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 RM4000 up to RM8000
    • Double Indemnity
      For death that occurs using public transportation you get double the accidental death benefits.
      from RM200000 up to RM1000000
    • Ambulance Fee
      For the ambulance ride to the hospital and paramedics who arrive on the scene.
      RM500 per accident
    • Repatriation
      Total expenses to transport your body or ashes back to Malaysia if you pass away while overseas.
      from RM5000 not payable if Bereavement Benefit claimed
    • Bereavement Benefit
      Cash benefit to your family for death from viral diseases, such as dengue, malaria and JE, as determined by the insurer.
    • Hospital Allowance
      This is a cash benefit if you're admitted to the hospital due to an accident.
      RM100 each day, up to 365 days. RM200 while overseas, up to 182 days
    • Alternative Medical Treatment
      In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
      RM300 RM30 covered each visit; included in medical expenses
    • Personal Liability
      Coverage if you're required to pay for damages to another person's property and their injuries.
      from RM100000 up to RM500000
    • Weekly Benefit
      Extra cash payout if you are unable to work while you recuperate after an accident.
      from RM100 up to RM500 up to 52 weeks, benefits will increase to 200% if exceeds 14 weeks
    • Travel Expenses
      Travel reimbursement for family members to visit you while in the hospital.
      RM1000 RM200 per week
    • Miscellaneous Benefits
      RHB SmartCare PA also provides the following benefit:
      Additional Hospital Allowance
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Hanizah doesn't want to have to worry about troublesome hospital bills if she gets involved in an accident but does not want to pay extra for weekly benefits.

    Suggested PremiumRM178.00
    Get Quote
  • Machinery Operator

    Kong Hee can only get a regular PA policy with costly premiums because of the nature of his job. He thinks its well worth the safety investment.

    Suggested PremiumRM634.00
    Get Quote
  • Young Entrepreneur

    Dewi has a tight business operation running smoothly so she can't afford the setbacks of an accidents. The best policy on the market is what she's looking for. 

    Suggested PremiumRM999.00
    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

RHB will require a few bits 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. You will also need to submit a written statement documenting the incident that occurred.

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 60 years of age
Maximum Renewal Age
At most 65 years of age

Frequently Asked Questions about RHB SmartCare PA

Things you might want to know

What is the RHB Smart Care?

The SmartCare is one of the few personal accident insurance protection plans offered by RHB Bank, being as it may, the SmartCare offers you unwavering protection and is designed to be your personal care companion. This policy comes with an array of benefits and has much to offer by way of the 5 plans that it provides.

How much does the plan cover exactly?

Much like any other personal accident insurance, the policy will cover accidental death, total and permanent disablement, personal liability, medical and surgical expenses. In addition to that, the policy will offer you’re a hospital daily income should you be hospitalized along with coverage for ambulance fees.

What are the other benefits?

Well there is a double indemnity perk that comes with this insurance whereby, if you have been permanently disabled or killed while travelling in public transportation as a fare paying individual, you will be given a cash out of double the capital sum of your insurance. Apart from that you will have a travel insurance coverage to benefit your loved ones should they need to pay exorbitant fees to visit you while you are hospitalized.

Moving on, this policy offers you a renewal bonus of 5% for every year that you have renewed your policy without making a claim. You will continue to receive the bonus up to a maximum of 25%.

How long am I insured for?

Since this is a renewable policy your will be insured for a period of one year before your next renewal date. So, be sure to set a reminder to renew your policy on time, so that you are always protected.

Can I cancel the policy?

Well that choice is entirely up to you and no one else. However, to make a cancellation, you will need to submit a formal notice to RHB and quest that your policy be discontinued. There is however, no guarantee that you will get your premiums back and keep in mind that you might need to pay a cancellation fee as well.

Read More