Protecting you over age 50
- Guaranteed acceptance
- No medical examination required
- Benefits paid directly to you or your family, free of tax
- Benefits paid in addition to any other insurance you may have
- Monthly contributions do not increase with your age
- You can enrol if you are age 50-70
What’s inside this personal accident plan?
| Core Benefits | Basic | Supreme | Premier | Premier Plus |
|---|---|---|---|---|
| Accidental Death and Total Permanent Disability (AD&TPD) | 100,000 | 200,000 | 300,000 | 500,000 |
| Temporary Total Disability (TTD) weekly benefit | 50 | 100 | 150 | 250 |
| Bonus Plan (AD&TPD) | - | 10,000 | 15,000 | 25,000 |
| Add-on Benefits | Basic | Supreme | Premier | Premier Plus |
| Broken Bones due to accident | 500 | 1,000 | 1,500 | 2,500 |
| Hip Replacement due to accident | 500 | 1,000 | 1,500 | 2,500 |
| Emergency Cash Upon Accidental Hospitalisation | 250 | 500 | 750 | 1,250 |
| Traffic AD&TPD | 50,000 | 100,000 | 150,000 | 250,000 |
| Weekly Nursing Care Allowance per accident upon TTD | 50 | 100 | 150 | 250 |
All amounts are in Ringgit Malaysia (RM)
What do the Key Benefit payouts actually cover?
Accidental Death and Total Permanent Disability Benefit
Up to RM500,000 in lump sum cash if any of the following happens within 12 months of an accident:
- You die as a result of the accident
- You become totally and permanently disabled and unable to earn an income or work for at least 6 months
- You suffer loss of sight in both eyes
- You suffer severance of two limbs at or above the wrist or ankle
- You suffer loss of sight in one eye and severance of one limb at or above the wrist or ankle
Accidental Temporary Total Disability Benefit
Up to RM250 in weekly cash “living benefits” for up to 104 weeks, if the following happens within 12 months of an accident:
- You suffer a temporary total disability that stops you from working or earning an income for a consecutive 4 weeks
Bonus Plan for Accidental Death and Total Permanent Disability (Supreme, Premier & Premier Plus plans only)
Up to RM25,000 in additional lump sum cash for Accidental Death and Total Permanent Disability if:
- Your injury results in your death or total permanent disability within 12 months of an accident
ezPrime also lets you enhance your plan with up to 4 additional cash payouts:
Broken Bones & Hip Replacement
Up to RM2,500 for Broken Bones and Hip Replacement
You and your family will receive this lump sum cash benefit if:
- Your injury results in broken bones or hip replacement within 12 months of the accident
- You completely fracture any of the following bones: the vault or base of skull, anklebone, shoulder blade, breastbone, humerus, radius and ulna (except fractures of the lower radius and ulna), shin bone, fibula, at least two ribs, thighbone, femoral neck, pelvis, scapula, vertebrae/spine (with spinal cord damage)
- The fracture results in a surgical procedure in which your hip joint has to be totally replaced, meaning the replacement of both the acetabulum and the femoral head, by a prosthetic implant.
Emergency Cash
Up to RM1,250 for hospital emergencies
You and your family will receive this lump sum cash benefit if:
- You suffer an injury in an accident and are admitted to hospital within 48 hours of the accident
Traffic
Up to RM250,000 for traffic accidents
You and your family will receive this lump sum cash benefit if:
- You suffer an injury during a traffic accident; and
- Your injury results in Death or Total Permanent Disability within 12 months of the accident
Nursing Care Allowance benefit
Up to RM250 a week for nursing care
You and your family will receive this lump sum cash benefit for up to 104 weeks if:
- You suffer an injury that resulted in a Temporary Total Disability
- You receive the Accidental Temporary Total Disability Benefit for the same injury
What else should I know about ezPrime?
- You and your spouse may enrol if you are both age 50-70.
- If you enrol in EZPrime, you may cancel by returning the Certificate to EZTakaful within 14 days of receiving it and any contribution paid by you will be refunded. Should you choose to cancel after 14 days of Certificate receipt, any contributions paid will not be refunded.
- EZPrime is guaranteed renewable, as long as contributions are paid, until age 75 at which time this plan ends.
- EZPrime is terminated once the Accidental Death or Accidental Total Permanent Disability Benefit is paid.
- Zurich General Takaful Malaysia Berhad is the Takaful operator for EZPrime.
What isn’t covered under ezPrime?
EZPrime has exclusions which include prohibited activities, physical conditions, careless behaviour, pre-existing medical conditions, certain occupations and conditions.