Personal accident is a crucial coverage that every car owner should have in their policy. We have previously explained the importance of having personal accident coverage which is often overlooked by many drivers.
Since PA coverage protects you and your passengers from accidents, the plan is worth signing up for either on its own or as an add-on to your existing car policy. But with so many brands out there, choosing the best plans can be difficult. So, here we’ve picked the 4 insurers offering some of the best PA plans for private vehicles in Malaysia.
1. Zurich
Z-Drive Assist
Zurich’s Z-Drive Assist motor personal accident plan covers drivers and passengers of private vehicle owners for injuries, disabilities and accidental death.
Z-Drive Assist comes in two different plans, namely the Basic Plan and the Superior Plan. The differences between them are the premium amount, coverage options, and compensation offered.
- The Basic Plan covers:
- Accidental Death – RM50,000 per person
- Accidental Permanent Disablement – RM50,000 per person
- Accidental Medical Expenses – RM3,000 per person
- Daily Hospital Income – RM50 per day for 30 days (max)
- Towing & Roadside Assistance Benefit
- Meanwhile, the Superior Plan covers:
- Accidental Death – RM75,000 per person
- Accidental Permanent Disablement – RM75,000 per person
- Accidental Medical Expenses – RM5,000 per person
- Daily Hospital Income – RM50 per day for 30 days (max)
- Towing & Roadside Assistance Benefit
- Courtesy Car
Annual premium
Here’s how much annual premium you have to pay for Zurich’s Z-Drive Assist motor PA plan.
| Coverage | Basic Plan (RM) | Superior Plan (RM) |
| Base Premium (5 seating capacity) | 83 | 104 |
| Additional Seating Capacity | 12 | 18 |
| Additional Vehicle | N/A | 64 |
| Courtesy Car (5 days) (Optional) | N/A | 18 |
| Courtesy Car (10 days) (Optional) | N/A | 75 |
2. Tokio Marine
DriveSafe PA Partner
DriveSafe PA Partner is a comprehensive plan by Tokio Marine that protects drivers and passengers against car accidents. Through this policy, insured persons are safeguarded against loss of life/permanent disablement while entering, riding or alighting the insured vehicle for a period of 12 months within Malaysia, Singapore or Brunei.
This comprehensive yet affordable plan offers the following key coverage for insured persons.
- Accidental Death – Sum Insured of RM25,000 per person
- Permanent Disablement – Sum Insured of up to RM25,000 per person.
- Permanent Partial Disablement – Sum Insured of up to RM25,000 per person
- Medical Expenses – RM 3,000 to the Insured Person(s) for reasonable medical, hospital or nursing home expenses incurred in connection with any bodily injury by violent, accidental external and visible means sustained by the Insured Person(s).
- Dental Correction and Corrective Cosmetic Surgery Benefit – Reimbursement of up to RM 3,000
- Daily Hospital Income – RM100 per day to insured persons hospitalised due to accidents involving the insured vehicle. Up to RM15,000 total limit per policy period
- Bereavement Allowance – RM 6,000 is payable upon a valid claim of Accidental Death
- Ambulance Fees – Reimbursement of up to RM 500 for necessary ambulance services rendered in Malaysia (including attendants) to and from the hospital.
Annual premium
The annual premium you have to pay for Tokio Marine’s DriveSafe PA Partner is as follows:
| Premium (RM) | Premium (RM) | Premium (RM) | Premium (RM) | Premium (RM) |
| 1 Unit | 2 Units | 3 Units | 4 Units | 5 Units |
| 60 | 120 | 180 | 240 | 300 |
3. Etiqa
Oto 360
Oto 360 is a personal accident plan that benefits policyholders, drivers and passengers from accidental bodily injuries resulting in death or disablement while driving, boarding or alighting from the named vehicle. The plan is available in three types namely, Silver, Gold and Platinum with varying amounts of compensation.
| Personal Accident Benefits (per person) | Sum Insured (RM) | Sum Insured (RM) | Sum Insured (RM) |
| Silver | Gold | Platinum | |
| Accidental death | 10,000 | 25,000 | 50,000 |
| Permanent disability | 10,000 | 25,000 | 50,000 |
| Double indemnity | 20,000 | 50,000 | 100,000 |
| Compassionate cash | 1,000 | 1,000 | 1,000 |
| Medical expenses | 500 | 500 | 1,000 |
| Facial reconstructive surgery and/or dental treatment | 1,000 | 1,000 | 1,000 |
| Hospital income (per day) | 50 | 50 | 100 |
Apart from these benefits, Etiqa also provides an inconvenience allowance of RM500 for vehicle loss or damage, flood, smash and grab, and total loss or theft for all three plans.
The plan also comes with complimentary Etiqa Auto Assist Program Benefits which include the following services:
- 24-hour breakdown assistance (repair on site)
- 24-hour towing assistance
- Arrangement for taxi assistance
- Car rental and hotel accommodation arrangement
- Emergency medical evacuation
- Friend and family assistance
- Emergency message transmission
Annual premium
Here’s how much you have to pay for Etiqa’s Oto 360 PA coverage (excluding service tax and stamp duty charges).
| Premium (RM) | Premium (RM) | Premium (RM) |
| Silver | Gold | Platinum |
| 121 | 158 | 201 |
4. MSIG
Driver’s Personal Accident
MSIG Comprehensive Private Car Policy customers can simply maximise their protection with its Driver’s Personal Accident plan that covers named drivers and passengers. This add-on offers a wide range of coverage for the driver and passengers travelling in the insured vehicle.
The plan comes in three types with varying amounts of compensation. The list of covered incidents for all three plans is listed below.
| Benefits | Plan P1 (RM) | Plan P2 (RM) | Plan P3 (RM) |
| Accidental death & permanent total disablement | 30,000 | 75,000 | 90,000 |
| Medical expenses | 2,000 | 5,000 | 6,000 |
| Funeral and cremation expenses | 3,000 | 6,000 | 7,000 |
| Bereavement allowance | 1,000 | 2,500 | 5,000 |
| Ambulance fees | 500 | 500 | 500 |
| Hospital Income (per day, up to max. 60 days) | 75 | 150 | 200 |
| Accidental facial/dental cosmetic surgery | 1,000 | 2,000 | 4,000 |
| Double indemnity* | 60,000 | 150,000 | 180,000 |
*Note: Double indemnity is applicable to accidental death or total paralysis of all limbs during nationwide Malaysian public holidays only.
Annual premium
Unlike other brands, MSIG charges premiums for its Driver’s Personal Accident plan based on the seating capacity of vehicles. Here’s the list of premiums charged for all three plans.
| Premium (RM) | Premium (RM) | Premium (RM) | |
| Seating Capacity (incl. Driver) | Plan P1 | Plan P2 | Plan P3 |
| 4 | 60 | 140 | 180 |
| 5 | 70 | 155 | 200 |
| 6 | 80 | 170 | 220 |
| Each additional seat | 10 | 20 | 25 |
Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Visit Bjak today to get your free insurance quote!
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