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 RM8000 Medical Expenses Benefit
    • Up to RM500k Accidental Death Or TPD Benefit

Get covered now with RHB SmartCare PA

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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 Or Permanent Disablement
    Amount paid if an accident results in death or permanent disablement of the policyholder.
    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
  • 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
    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
    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
    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

Customer Service 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