What is the Premier PA Partner?
The Tokio Mariner Premier Partner is one of the more prestigious personal accident insurance plans offered by Tokio Marine to cater to their many audiences. That does not mean that the plan is exorbitantly expensive but it comes with great coverage and more than enough options.
How much does the policy cover?
Of course, like any personal accident plan, this one covers both death and permanent disability at its core, along with medical expenses, dental and corrective cosmetic surgery and miscellaneous expenses like ambulance fees. The policy will also cover a few more unconventional medical diseases not usually included in a personal accident plan, namely medical expenses when you are hit with Dengue, Zika, Malaria and JE. Since we live in an age where these diseases are no laughing matter you can now rely on this plan to give you some sort of financial backing against them.
You will also be covered against, kidnapping, snatch theft, purchase of a prostheses or wheelchair and permanent disablement to genitalia, which is rather morbid, but you never know what might happen. Not forgetting, travel, repatriation, double indemnity, and funeral expenses are also covered under the policy.
Perks of the policy?
Well the Premier Partner, comes with a total of 8 comprehensive plans for you to choose from, each with a different range of coverage, as well as different ranges for premiums. This will help making your decision easier as you can always select the plan with a premium to fit your budget. On that note, remember to take a look or ask about the job classifications of the policy to ensure you are eligible for the plan that you want.
With this Tokio Marine policy you will have access to 24-hr worldwide coverage and not to mention lower more affordable premiums.
Is there a renewal bonus?
Yes, there is. Every year that no claim is made and the plan is renewed, there will be a 10% increase to principal sum insured for death and permanent disability. This benefit will steadily increase to a maximum of 50% more of the sum insured.
Who can apply?
The plan is open to anyone over the legal age for purchase. You could also pick up this policy as a cover for your kids as well. Any children you intend to cover will need to be the minimum of a month old. The maximum entry age for this policy is 65, after which you can continue to renew it till the age of 80.