What is the Zurich Personal Sentinel V2 about?
Life can be unpredictable. Despite playing it safe and being prepared with savings, all it takes is one accident and you may end up paying hefty hospitalisation bills that could throw you off-balance and threaten your financial outlook for months to come.
Zurich Personal Sentinel V2 provides you with one of the most comprehensive accident coverage available in the Malaysian market, safeguarding you and your family from financial difficulties in case of accidental death or loss of income due to hospitalisation and permanent disability.
What are the main benefits of this policy?
The policy comes with a card for Cashless Admissions into any of Zurich panel hospitals in Malaysia. So, in case you’ve been hospitalised, there’s no need to fork out your own money and face anxiety over the uncertainty of getting reimbursed for claims.
Medical expenses such as hospital room and board, outpatient and surgical treatment due to accident are also covered in the policy. The policy also provides cash as income replacement, but only if you’ve been hospitalised for more than 48 hours. The limit for the daily hospital income benefit is up to 120 days.
As with any Personal Accident insurance policies, accidental death and accidental permanent disablement is covered. What’s interesting is that the policy also covers accidental permanent dismemberment, and covers expenses for cosmetic or dental surgery, prosthesis, wheel chair, and even permanent disability to genitalia.
The policy also pays double of the Principal Sum insured for death or paralysis due to an accident while you’re a fare-paying passenger on any public transportation, total paralysis due to any accident, or death due to fire at own residence.
Will I be covered in case of kidnappings?
The bad news is, if you’re kidnapped by a terrorist organisation like Abu Sayyaf off the waters of Sabah, you won’t be covered. For non-terrorism related cases however, if your family member is covered, the policy pays a lump sum of RM5,000 or which you can use to hire a private investigator. A reward of RM 25,000 will also be offered for information leading to the recovery of the insured person.
After one year from the day of kidnapping, if the insured person has not been recovered, the Principal Sum will be paid in full.
Will I get any incentive if I didn’t make any claim for the year?
You’ll receive an annual renewal bonus of 10% on the Principal Sum Assured, up to a maximum rate of 50%.
Who is eligible to apply?
The Personal Sentinel Version 2 provides comprehensive coverage for any Malaysian between 1 to 65 years old. Renewal is available up to 75 years old, subject to the approval of Zurich.