A dependable plan for unpredictable events
- Guaranteed acceptance for ages 18-70
- Fixed monthly contribution that doesn’t increase with age
- Benefits paid directly to you or your family, free of tax
- No medical examination
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 (weekly benefit) | 50 | 100 | 150 | 250 |
| Bonus Plan for AD&TPD | - | 10,000 | 15,000 | 25,000 |
| Add-on Benefits | Basic | Supreme | Premier | Premier Plus |
| Traffic AD&TPD Protection | 50,000 | 100,000 | 150,000 | 250,000 |
| Emergency Cash Upon Accidental Hospitalisation | 250 | 500 | 750 | 1,250 |
| Theft & Snatch resulting in AD&TPD | 50,000 | 100,000 | 150,000 | 250,000 |
| Aviation AD&TPD | 200,000 | 400,000 | 600,000 | 1,000,000 |
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
If I enhance my plan with some additional cash payouts, what do they include?
Traffic Accidents
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
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
Theft & Snatch
Up to RM250,000 for Theft & Snatch robberies
You and your family will receive this lump sum cash benefit if:
- You suffer an injury as a theft & snatch victim that results in your Death or Total Permanent Disability within 12 months of the event
Aviation
Up to RM1,000,000 for Air Travel accidents
You and your family will receive this lump sum cash benefit if:
- You suffer an injury during an air accident; and
- Your injury results in Death or Total Permanent Disability within 12 months of the accident
What else should I know about ezCover?
- You and your spouse may enrol if you’re both age 18-70.
- Payout amounts for children are 50% of adult’s payout amounts and children are not covered for Total Temporary Disability.
- A child must be age 6 months to 23 years and dependent on the Certificate holder. There is no limit to the number of children that can be covered.
- If you enrol in ezCover, 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.
- ezCover is guaranteed renewable, as long as contributions are paid, until age 75 at which time this plan ends.
- ezCover is terminated once the Accidental Death or Accidental Total Permanent Disability Benefit is paid.
- Zurich General Takaful Malaysia Berhad is the Takaful operator for ezCover.
What isn’t covered under ezCover?
EZCover has exclusions which include prohibited activities, physical conditions, careless behaviour, pre-existing medical conditions, certain occupations and conditions.
Please see the EZCover Master Certificate for a full list of exclusions, definitions and conditions or call us at 1300 30 3001 if you have any questions.