{"id":34453,"date":"2022-08-18T12:09:37","date_gmt":"2022-08-18T04:09:37","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=34453"},"modified":"2022-08-18T12:09:34","modified_gmt":"2022-08-18T04:09:34","slug":"is-it-necessary-to-purchase-personal-accident-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance","title":{"rendered":"Is It Necessary To Purchase Personal Accident Insurance"},"content":{"rendered":"\n<p>Did you renew your car insurance without fail every year? However, did you know that your car insurance does not cover your injury, disability, or death?<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d8b5925fa48\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d8b5925fa48\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#Car_insurance_only_covers_injuries_third_party%E2%80%99s_death\" title=\"Car insurance only covers injuries &amp; third party&#8217;s death \">Car insurance only covers injuries &amp; third party&#8217;s death <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#What_is_personal_accident_insurance\" title=\"What is personal accident insurance?\">What is personal accident insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#How_can_you_get_this_insurance\" title=\"How can you get this insurance?\">How can you get this insurance?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#Purchase_personal_accident_protection_insurance_products\" title=\"Purchase personal accident protection insurance products\">Purchase personal accident protection insurance products<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#Purchase_additional_personal_accident_coverage_in_comprehensive_policy\" title=\"Purchase additional personal accident coverage in comprehensive policy\">Purchase additional personal accident coverage in comprehensive policy<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#How_much_does_additional_personal_accident_coverage_cost\" title=\"How much does additional personal accident coverage cost? \">How much does additional personal accident coverage cost? <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#Does_personal_accident_coverage_also_cover_motorcyclists\" title=\"Does personal accident coverage also cover motorcyclists?\">Does personal accident coverage also cover motorcyclists?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#Should_you_purchase_personal_accident_insurance_if_you_already_have_a_medical_card\" title=\"Should you purchase personal accident insurance if you already have a medical card?\">Should you purchase personal accident insurance if you already have a medical card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#Do_claims_for_personal_accident_insurance_affect_NCD\" title=\"Do claims for personal accident insurance affect NCD?\">Do claims for personal accident insurance affect NCD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#Can_you_add_personal_accident_insurance_from_another_insurer_instead_of_your_existing_insurer\" title=\"Can you add personal accident insurance from another insurer instead of your existing insurer?\">Can you add personal accident insurance from another insurer instead of your existing insurer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#How_to_claim\" title=\"How to claim?\">How to claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#Should_you_purchase_personal_accident_coverage\" title=\"Should you purchase personal accident coverage?\">Should you purchase personal accident coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\/#Priotise_your_life\" title=\"Priotise your life\">Priotise your life<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Car_insurance_only_covers_injuries_third_party%E2%80%99s_death\"><\/span>Car insurance only covers injuries &amp; third party&#8217;s death <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Car insurance only pays compensation in the following events:<\/p>\n\n\n\n<ul><li>Theft or fire of your vehicle (all policies except for the third party policy)<\/li><li>Damage to your vehicle or the third party&#8217;s vehicle (comprehensive policy)<\/li><li>Third party injury or death (all policies)<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"10877\" data-permalink=\"https:\/\/bjak.my\/blog\/unnamed-3-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-3.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"unnamed-3\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-3.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-3.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-3.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Perkara yang dlindungi untuk tiga polisi insurans kereta\" class=\"wp-image-10877\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-3.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-3.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-3.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-3.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/unnamed-3.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Despite purchasing a <a href=\"https:\/\/bjak.my\/blog\/car-insurance-guide-in-malaysia\/#Comprehensive_insurance\">comprehensive insurance<\/a> policy, your car insurance will not cover you in case of death or permanent disability caused by an accident.<\/p>\n\n\n\n<p>Therefore, here is a question to ponder.<\/p>\n\n\n\n<p>Q: What is your other optional coverage to protect you in the event of disabilities?<\/p>\n\n\n\n<p>A: You can purchase <a href=\"https:\/\/piam.org.my\/personal-accident-insurance\/\">personal accident (PA) coverage<\/a> to protect yourself in this situation.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_is_personal_accident_insurance\"><\/span>What is personal accident insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"11406\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/pa-dalam-insurans-kenderaan-perlu-atau-tidak\/attachment\/photo_2021-11-17_17-57-38\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo_2021-11-17_17-57-38\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Insurans kemalangan peribadi berperanan memberikan pampasan kepada anda jika berlaku kecederaan, hilang upaya kekal atau kematian disebabkan kemalangan jalan raya\" class=\"wp-image-11406\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Personal Accident insurance or PA insurance is an annual policy that&nbsp;<strong>provides compensation in case of:<\/strong><\/p>\n\n\n\n<ul><li>Injuries<\/li><li>Permanent disabilities, or <\/li><li>Death caused solely by accidental events<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_can_you_get_this_insurance\"><\/span>How can you get this insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The followings are examples of ways to purchase this insurance.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Purchase_personal_accident_protection_insurance_products\"><\/span>Purchase personal accident protection insurance products<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Similar to medical and life insurance, you can purchase personal accident protection insurance products for yourself. <\/p>\n\n\n\n<p>This insurance product allows you to receive compensation if you are injured, diagnosed with a permanent disability, or pass away in an accident.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Purchase_additional_personal_accident_coverage_in_comprehensive_policy\"><\/span>Purchase additional personal accident coverage in comprehensive policy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You may opt to purchase this coverage when renewing your comprehensive policy. At most, the premium will vary across insurers.<\/p>\n\n\n\n<p>Some insurers provide this coverage for free for their comprehensive policyholders. Examples are <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-soalan-lazim\/#Apakah_perbezaan_di_antara_insurans_kereta_dengan_insurans_kemalangan_peribadi\">Liberty insurance dan Takaful Malaysia<\/a>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_much_does_additional_personal_accident_coverage_cost\"><\/span>How much does additional personal accident coverage cost? <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The premium will vary with each insurance provider. The premium amount&nbsp;is usually dependent on the amount of the coverage, between RM60 to RM100.<\/p>\n\n\n\n<p>For example, MSIG offers the coverage for an additional RM60.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Does_personal_accident_coverage_also_cover_motorcyclists\"><\/span>Does personal accident coverage also cover motorcyclists?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes, personal accident insurance includes protection for motorcyclists as well.<\/p>\n\n\n\n<p>We recommend motorcyclists purchase this additional as they are more exposed to danger on the road. The premium for motorcyclists is lower. It is usually only around RM10 &#8211; RM20 for total protection worth RM5,000.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Should_you_purchase_personal_accident_insurance_if_you_already_have_a_medical_card\"><\/span>Should you purchase personal accident insurance if you already have a medical card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>What are the differences between these two coverages?<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"11407\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/pa-dalam-insurans-kenderaan-perlu-atau-tidak\/attachment\/photo_2021-11-17_17-57-38-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38-2.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo_2021-11-17_17-57-38-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38-2.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38-2.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38-2.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Perbezaan antara insurans kemalangan peribadi dengan kad perubatan\" class=\"wp-image-11407\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38-2.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38-2.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38-2.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38-2.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38-2.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Do_claims_for_personal_accident_insurance_affect_NCD\"><\/span>Do claims for personal accident insurance affect NCD?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD rates will not be affected if a personal accident insurance claim is made under your vehicle insurance unless due to these two factors:<\/p>\n\n\n\n<ol><li>You file a claim from an accident which caused by you<\/li><li>The insurance claim is made by the third party<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Can_you_add_personal_accident_insurance_from_another_insurer_instead_of_your_existing_insurer\"><\/span>Can you add personal accident insurance from another insurer instead of your existing insurer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To your knowledge, you can only purchase this coverage through a comprehensive policy from the existing insurer.<\/p>\n\n\n\n<p>Example: You have purchased comprehensive insurance from MSIG. Therefore, you can only get personal accident insurance from MSIG.<\/p>\n\n\n\n<p>What if the amount of coverage is higher compared to another insurer? You have no choice but to accept the amount of coverage set by your insurance company. Thus, we recommend you do thorough research by comparing multiple insurance brands before purchasing. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_claim\"><\/span>How to claim?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can file an insurance claim from your insurer during insurance renewal. You need to prepare and submit the following documents in order to claim:<\/p>\n\n\n\n<ul><li>Copy of the police report<\/li><li>Copy of PA insurance certificate<\/li><li>Receipt or hospital\/clinic bill<\/li><li>Copy of death certificate (if compensation involves death)<\/li><li>A copy of your account statement\/ heirs<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Should_you_purchase_personal_accident_coverage\"><\/span>Should you purchase personal accident coverage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes, we recommend you purchase it for extra safety!<\/p>\n\n\n\n<p>Personal accident insurance is necessary to protect yourself in case of any emergency. It guarantees financial assistance should you face any difficulties following an accident.<\/p>\n\n\n\n<p>If you are tight on a budget, you can add on the coverage under your existing comprehensive policy. Do some research first to survey for the best price in the market. Please note that some insurers offer this additional coverage for free!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Priotise_your_life\"><\/span>Priotise your life<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your insurance premium may be slightly expensive after purchasing the additional personal accident coverage. However, the amount is no match if you have to bear the actual cost from your pocket!<\/p>\n\n\n\n<p>Therefore, ensure to get sufficient coverage for your vehicle. You may start by comparing across insurers. Simply use Bjak, Malaysia&#8217;s number 1 leading platform to compare insurance brands. Get\u00a0<a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">free quotes<\/a>\u00a0at Bjak and\u00a0<a href=\"https:\/\/bjak.my\/blog\/how-to-renew-car-insurance\/#Renew_car_insurance_online_through_insurance_comparison_sites\">renew car insurance<\/a>\u00a0and\u00a0<a href=\"https:\/\/bjak.my\/blog\/how-to-renew-roadtax-bjak-myeg-mysikap-jpj\/#Renew_roadtax_online_at_Bjak\">road tax<\/a>\u00a0online in just 5 minutes.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">Get A Quote<\/a><\/div>\n<\/div>\n\n\n\n<p><em><strong><em>.<\/em><\/strong><\/em><\/p>\n\n\n\n<p><strong>Also read:<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Personal accident insurance offers protection if you become permanently disabled or pass away as a result of a road accident.<\/p>\n","protected":false},"author":7,"featured_media":11405,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59,1889],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is It Necessary To Purchase Personal Accident Insurance - Bjak MY<\/title>\n<meta name=\"description\" content=\"Personal accident insurance offers protection if you become permanently disabled or pass away as a result of a road accident.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is It Necessary To Purchase Personal Accident Insurance - Bjak MY\" \/>\n<meta property=\"og:description\" content=\"Personal accident insurance offers protection if you become permanently disabled or pass away as a result of a road accident.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/is-it-necessary-to-purchase-personal-accident-insurance\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-18T04:09:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-18T04:09:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/PA-FEATURED-IMAGE.jpg?fit=1280%2C720&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nurul\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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