PRODUCT DISCLOSURE SHEET Etiqa General Insurance Berhad (‘’We/Us/Our’’)
Read this Product Disclosure Sheet before you decide to take up the Infinite PA
Infinite PA. Be sure to also read the general terms and conditions. Date: <dd/mm/yyyy>
1. What is this product about?
This product is a personal accident plan which provides cover for accidental death, accidental permanent disability and other benefits. You
may also choose an optional benefit available under this product.
2. What are the covers / benefits provided?
The covers / benefits are summarised below:
Sum Insured (RM) - Per Person
Benefits
Plan 1 Plan 2 Plan 3 Plan 4
1 Accidental Death 50,000 150,000 500,000 1,000,000
Death due to Corona Virus, Dengue Fever, Malaria, Japanese
2 Encephalitis, Severe Acute Respiratory Syndrome, Zika or 5,000 15,000 50,000 100,000
Chikungunya
3 Accidental Permanent Disability – up to 50,000 150,000 500,000 1,000,000
4 Double Indemnity – up to 100,000 300,000 1,000,000 2,000,000
5 Compassionate Cash 1,000 1,000 1,000 1,000
6 Child Education Fund – per child 20,000 20,000 20,000 20,000
Monthly Cash Benefit for Total Permanent Disability – up to 5
7 2,000 2,000 2,000 2,000
years
8 Lifestyle Modification Expenses – up to 4,000 6,000 8,000 10,000
9 Financing / Loan Outstanding Balance – up to 20,000 20,000 20,000 20,000
Hospital Confinement Daily Allowance due to Accident – up to
10 50 100 200 300
30 days
Hospital Confinement Daily Allowance due to Dengue Fever,
11 Malaria, Japanese Encephalitis, Severe Acute Respiratory 50 50 50 50
Syndrome, Zika or Chikungunya – up to 30 days
12 Medical Expenses due to Accident – up to 2,000 3,000 4,000 5,000
13 Snatch Theft – up to 1,000 1,000 1,000 1,000
Other benefits:
Terrorism and Hijacking Covered
14
Up to 50% of Principal Sum Insured for Benefit 1 (Accidental
Renewal Bonus Death), Benefit 3 (Accidental Permanent Disability) and Benefit 4
(Double Indemnity)
Note:
Eligible Child(ren) Benefits – For Accidental Death, Death due to Corona Virus, Dengue Fever, Malaria, Japanese Encephalitis, Severe Acute
Respiratory Syndrome, Zika or Chikungunya, Accidental Permanent Disability and Double Indemnity benefits for children are 20% of the
amounts stated above.
Optional benefits with additional premium:
Benefits Sum Insured (RM)
1 Loss or Damage of Sports Equipment – up to 3,000
2 Smart Device Protection – up to 3,000
3 Weekly Benefit for Temporary Total Disablement – up to 24 weeks 200 per week, up to 4,800
4 Loss of Income due to Retrenchment – for 3 months 500 per month
Medical Expenses due to Dengue Fever, Malaria, Japanese Encephalitis, SARS,
5 2,000
Zika or Chikungunya – up to
6 Accidental Death or Disablement due to Adventurous Sports & Activity – up to 50,000
7 Relief Assistance due to COVID-19 500
Optional benefits are not applicable for child. Duration of cover is for one year and this is a yearly renewable insurance policy. The premium
can be paid on a monthly or yearly basis.
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Note:
1. Please refer to the policy contract for further details of the above benefits.
2. The benefits payable under eligible product are protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to
PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact us or PIDM (visit www.pidm.gov.my).
3. How much premium do I have to pay?
The total premium that you have to pay may vary depending on your choice of plan and scheme type as shown below:
Plan 1 Plan 2 Plan 3 Plan 4
Plan Premium (RM) Premium (RM) Premium (RM) Premium (RM)
Scheme
Annual Monthly Annual Monthly Annual Monthly Annual Monthly
Myself 218.35 19.75 373.95 33.80 875.10 79.30 1,582.15 143.45
Myself and Spouse 393.10 35.65 673.30 61.10 1,575.25 142.90 2,847.95 258.20
Myself and Child(ren) 328.10 29.75 550.60 49.85 1,211.10 109.75 2,131.25 193.20
Family 524.55 47.65 887.15 80.40 1,998.70 181.25 3,555.25 322.30
All premiums (if applicable) will be subjected to relevant charges or taxes, as deemed necessary by the Malaysian tax authorities. It is
important to keep any receipt that you receive as proof of payment of premiums.
Note: For the optional benefit premium, please consult your sales representative for further information.
4. What are the fees and charges that I have to pay?
Type Amount
Commission paid to the bank 25% of the premium
Services Tax 8% of the premium
Stamp Duty RM10.00
5. What are some of the key terms and conditions that I should be aware of?
Importance of disclosure
a. Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for this insurance wholly for purposes
unrelated to your trade, business or profession, you have a duty to take reasonable care not to make a misrepresentation in answering
the questions in the application form (or when you apply for this insurance). You must answer the questions fully and accurately.
b. Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of
your claim(s), change of terms or termination of your contract of insurance.
c. The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us.
d. In addition to answering the questions in the application form (or when you apply for this insurance), you are required to disclose any
other matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied.
e. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us
any of the information given in the application form (or when you applied for this insurance) is inaccurate or has changed.
Eligibility – The insured person must be a Malaysian citizen, permanent resident of Malaysia or residents legally employed in Malaysia and/or
his/her spouse who are legally residing in Malaysia, aged between sixteen (16) years and sixty-five (65) years at the date of inception of the
policy with renewal option up to the last day of seventy (70) years of age. Children to be insured must be unmarried children (including step-
children and legally adopted children) who are wholly dependent on the insured person for financial support and are between forty-five (45)
days to sixteen (16) years of age [or under twenty-three (23) years old if still studying full-time in a recognised institution of higher learning].
Cash before cover – The premium due must be paid before the cover is effective.
Waiting period – Any benefits related to Corona Virus / COVID-19, Dengue Fever, Malaria, Japanese Encephalitis, Severe Acute Respiratory
Syndrome (SARS), Zika or Chikungunya which occurred/contracted/diagnosed during the first thirty (30) days of the effective date of insurance
for the first-year policy will not be payable except for accident.
Cooling-off period – You have the right to return the policy after reviewing the terms and conditions within fifteen (15) calendar days from the
delivering date of the policy. You will be entitled to the return of the full premium paid less deduction of medical expenses incurred by us in the
process of issuing the policy, if any.
Claims – All claims must be notified to us as soon as possible but not later than thirty (30) days after any event which may entitle you to claim
under the policy. Send to us immediately all relevant documents to support your claims. Any documents or evidence required by us to verify
the claim shall be provided by you at your own expense.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of terms and conditions.
6. What are the major exclusions under this policy?
a. Communicable diseases, except as covered under the policy;
b. Pre-existing conditions;
c. Influence of alcohol or drugs;
d. Self-inflicted injury or attempted suicide;
e. Engaging in hazardous sports or activities;
f. Engaging in flying or other aerial activities not as a passenger;
g. Engaging in naval, military, air force, police force, fire service, etc.; or
h. Any acts of war, strike, riot or civil commotion, contamination of radiation or nuclear and terrorism.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions.
7. Can I cancel my policy?
You may cancel your policy by giving a written notice to us. Upon cancellation, you are entitled to a partial refund of the premium provided you
have not made a claim during the period of insurance.
8. What do I need to do if there are changes to my contact details?
It is important that you inform us of any changes in your contact details to ensure that all correspondences reach you in a timely manner.
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9. Where can I get further information?
If you have any enquiries, please contact us at:
Etiqa General Insurance Berhad (197001000276)
(Licensed under Financial Services Act 2013 and regulated by Bank Negara Malaysia)
Level 13, Tower B, Dataran Maybank
No. 1, Jalan Maarof
59000 Kuala Lumpur, Malaysia.
Telephone Number: +603 2297 3888
Facsimile Number: +603 2297 3800
E-mail: info@etiqa.com.my
Homepage: www.etiqa.com.my
Maybank Group Customer Care: 1 300 88 6688
10. Other types of insurance cover available
Please refer to us for other cover offered.
IMPORTANT NOTE:
YOU ARE ADVISED TO NOTE THE SCALE OF BENEFITS FOR DEATH AND DISABLEMENT IN YOUR INSURANCE POLICY. YOU MUST
NOMINATE A NOMINEE AND ENSURE THAT YOUR NOMINEE IS AWARE OF THE PERSONAL ACCIDENT POLICY THAT YOU HAVE
PURCHASED. YOU SHOULD READ, UNDERSTAND THE INSURANCE POLICY AND CONTACT US DIRECTLY FOR MORE
INFORMATION.
The information provided in this disclosure sheet is valid as at <dd/mm/yyyy>.
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