INSURANCE POLICY: CONFINEMENT MOTHERS
What do we cover to all the Mums?

Bodily injury caused solely and directly by violent accidental external and visible means resulting solely and directly and independently of any other cause in

Accidental Death RM 50,000
Permanent Disablement RM 50,000
Medical Expenses RM 1,000

  1.  Accidental death

Any death strictly due to accident which was not intended (suicide), expected, or foreseeable (illness). In the event of Accidental Death, we will pay the Sum Insured of RM50,000.

  1.  Permanent Disablement

 A condition in which an individual is no longer able to work due to injuries. In the event of Permanent Disablement as a result of accident, we will pay the Sum Insured according to the table below.

EVENT THE BENEFIT
PERMENANT DISABLEMENT The following percentages
of the Sum insured
1 Loss of both hands 100%
2 Loss of both feet 100%
3 Complete and irrecoverable loss of sight in both eyes 100%
4 Loss of one hand and one foot 100%
5 Complete and incurable insanity 100%
6 Injuries resulting in being permanently bedridden 100%
7 Any other injuries causing permanent total disablement from gainful employment of any and every kind 100%
8 Complete and incurable paralysis 100%
9 Loss of arm at shoulder 100%
10 Loss of arm between shoulder and elbow 100%
11 Loss of arm at elbow 100%
12 Loss of arm between elbow and wrist 100%
13 Loss of hand at wrist 100%
14 Loss of leg at hip 100%
15 Loss of leg between knee and hip 100%
16 Loss of leg below knee 100%
17 Loss of eye (Whole) 100%
18 Loss of eye (Sight of) 100%
19 Complete and irrecoverable loss of sight in one eye except perception of light 50%
20 Loss of lens of eye 50%
21 Loss of four fingers and thumb of one hand 53%
22 Loss of four fingers 40%
23 Loss of thumb
– both phalanges 25%
– one phalanx 10%
24 Loss of index finger
– three phalanges 10%
– two phalanges 8%
– one phalanx 4%
25 Loss of middle finger
– three phalanges 6%
– two phalanges 4%
– one phalanx 2%
26 Loss of ring finger
– three phalanges 6%
– two phalanges 4%
– one phalanx 2%
27 Loss of little finger
– three phalanges 6%
– two phalanges 3%
– one phalanx 2%
28 Loss of metacarpals
– first or second (additional) 3%
– third, fourth or fifth (additional) 2%
29 Loss of toes
– all 17%
– great, both phalanges 5%
– great, one phalanx 2%
– other than great, if more than one toe lost each 3%
30 Loss of hearing
– both ears 75%
– one ear 25%
31 Total loss of speech 60%

  1.  Medical Expenses

In the event of injury caused by an accident which requires medical treatment, we will reimburse up to RM1,000.