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Plan ahead with SmartPA Enhanced. It secures you and your family with a wide range of coverage and benefits to ensure you have comprehensive protection against the unexpected.


Key Benefits Explained?

✅  Double payout up to RM 2 Million
Pays double the sum insured for accidental death or permanent disablement travelling on public transport, travelling overseas, during the festive season or being a victim of snatch theft or robbery.

✅  Renewal bonus up to 120%
Principal sum insured for Accidental Death/Permanent Disablement will increase 15% per year up to 120% upon renewal of insurance provided there is no claim under Accidental Death or Permanent Disablement.

✅  Renewable up to age 100
You are eligible to buy up to age 69 and the policy is renewable up to age 100 ensuring continuous protection into your golden years.

✅  Hassle-free cashless admission to panel hospitals
Guarantees up to RM 12,000 for admission at panel hospitals in Malaysia due to an accident. You just need to show your identity card

✅  Family Plans Privilege
Extend the protection to your spouse and family with an unlimited number of children and enjoy 3 times sum insured with a double payout up to RM 6,000,000

✅  Covers snatch theft and robbery
Pays up to RM 500 for loss or damage to personal items due to snatch theft or robbery.

✅  No Claims Discount
Get a 10% discount on your renewal premium if you do not make any claims on your policy

✅  Daily Hospitalization Allowance
Up to RM 250 daily cash allowance is paid each day to a maximum of 180 days for hospitalization due to an accident. This is on top of the Medical Expenses payout.


What we do not cover?

01 - Any unlawful act, willful exposure to danger, suicide or intentional self-injury

02 - Any pre-existing physical or mental defect or infirmity, illness, disease, bacterial or viral infections

03 - HIV and/or any HIV related illness including AIDS and/or any mutant derivatives

04 - Effects of drugs not prescribed by a Physician

05 - Pregnancy or childbirth

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