{"id":6183,"date":"2017-03-02T18:35:30","date_gmt":"2017-03-02T10:35:30","guid":{"rendered":"https:\/\/wp-testing.eztakaful.com.my\/?p=6183\/"},"modified":"2017-03-02T18:47:09","modified_gmt":"2017-03-02T10:47:09","slug":"personal-accident-insurance-whats-covered-whats-not","status":"publish","type":"post","link":"https:\/\/eztakaful.com.my\/en\/personal-accident-insurance-whats-covered-whats-not\/","title":{"rendered":"Personal Accident Insurance: What\u2019s Covered and What\u2019s Not"},"content":{"rendered":"<p style=\"text-align: justify;\">Today, we\u2019re going to look at the popular topic of personal accident insurance. Let\u2019s start with a helpful definition&#8230;<\/p>\n<p style=\"text-align: justify;\"><span style=\"text-decoration: underline;\"><a href=\"https:\/\/wp-testing.eztakaful.com.my\/en\/\">Personal accident insurance<\/a><\/span> is a policy that provides a financial benefit in the unfortunate event of an injury, disability or death due to an accident. The accident must be an external, clearly visible event of a violent nature that is not intentional.<\/p>\n<p style=\"text-align: justify;\">Personal accident insurance can be purchased for an individual, a family, or a group, such as when bought by a company for their employees.<\/p>\n<h3><span style=\"color: #008080;\"><strong>What is covered:<\/strong><\/span><\/h3>\n<p style=\"text-align: justify;\">Typically, personal accident insurance offered in Malaysia provides 24-hour coverage anywhere in the world. However, the amount of coverage and the terms and conditions can differ between insurance companies, so it\u2019s important to compare them before choosing the best one for your needs.<\/p>\n<p>Here are some common things covered under a personal accident insurance plan:<\/p>\n<ul>\n<li>Death caused by accident<\/li>\n<li>Total permanent disability caused by accident<\/li>\n<li>Total or partial temporary disability caused by accident<\/li>\n<li>Medical expenses caused by accident<\/li>\n<li>Surgery expenses caused by accident<\/li>\n<li>Hospital expenses caused by accident<\/li>\n<li>Funeral expenses<\/li>\n<\/ul>\n<h3><span style=\"color: #008080;\"><strong>Double benefits:<\/strong><\/span><\/h3>\n<p style=\"text-align: justify;\">It\u2019s possible to have more than one personal accident insurance plan and you can make multiple claims based on the coverage amount of each plan. However, for certain claims like medical expenses, where the claim is paid based on repayment, you can only make one claim using the receipt amount.<\/p>\n<h3><span style=\"color: #008080;\"><strong>Who and what is not covered:<\/strong><\/span><\/h3>\n<p>People who work in the following occupations, which are considered more risky, are not eligible for personal accident insurance:<\/p>\n<ul>\n<li>Army personnel, police, fireman or any operations related to military or armed occupations<\/li>\n<li>Diver<\/li>\n<li>Pilot and cabin crew<\/li>\n<li>Aircraft examiner<\/li>\n<li>Professional sports<\/li>\n<li>Sailor and fisherman<\/li>\n<li>Any occupation that involves drilling, timber, underground work, manufacturing or handling of explosives emitting gas<\/li>\n<\/ul>\n<p>In addition, personal accident insurance plans do not offer coverage under certain conditions called \u201cgeneral exclusions\u201d. These include:<\/p>\n<ul>\n<li>Risk of war<\/li>\n<li>Suicide, attempted suicide and insanity<\/li>\n<li>Injury caused intentionally<\/li>\n<li>Under the influence of alcohol, drugs or narcotics<\/li>\n<li>AIDS\/HIV or venereal diseases<\/li>\n<li>Murder or planned violence<\/li>\n<li>Child birth, pregnancy or miscarriage or any related complications<\/li>\n<li>Involvement in criminal activities that are against the law<\/li>\n<li>Dangerous sports<\/li>\n<li>Natural caused disease<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Once again, each personal accident insurance plan can have different exclusions, so check the terms and conditions thoroughly.<\/p>\n<p>When you\u2019re finally ready to apply for personal accident insurance, remember to do the following:<\/p>\n<ul>\n<li>Read and understand the \u201cImportant notice\u201d on the form<\/li>\n<li>Answer all the questions accurately<\/li>\n<li>Sign your completed form<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">At EZTakaful, there are no health questions or health exams necessary for our <span style=\"text-decoration: underline;\"><a href=\"https:\/\/wp-testing.eztakaful.com.my\/en\/\">personal accident insurance<\/a><\/span> plans. They\u2019re very simple! Moreover, our plans are 100% <span style=\"text-decoration: underline;\"><a href=\"https:\/\/wp-testing.eztakaful.com.my\/en\/shariah-compliance-insurance\/\">Syariah compliant<\/a><\/span> and provide comprehensive coverage from as low as RM 10 a month.<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #000000;\">Click<\/span> <span style=\"color: #008080;\"><a style=\"color: #008080;\" href=\"https:\/\/wp-testing.eztakaful.com.my\/en\/\"><span style=\"text-decoration: underline;\">here<\/span><\/a><\/span> <span style=\"color: #000000;\">for more info on EZTakaful plans<\/span><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Today, we\u2019re going to look at the popular topic of personal accident insurance. Let\u2019s start with a helpful definition&#8230; Personal accident insurance is a policy that provides a financial benefit in the unfortunate event of an injury, disability or death due to an accident. The accident must be an external, clearly visible event of a &hellip; <a href=\"https:\/\/eztakaful.com.my\/en\/personal-accident-insurance-whats-covered-whats-not\/\">Continued<\/a><\/p>\n","protected":false},"author":6,"featured_media":6184,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-6183","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Personal Accident Insurance: What\u2019s Covered and What\u2019s Not - ezTakaful<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/eztakaful.com.my\/en\/personal-accident-insurance-whats-covered-whats-not\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal Accident Insurance: What\u2019s Covered and What\u2019s Not - ezTakaful\" \/>\n<meta property=\"og:description\" content=\"Today, we\u2019re going to look at the popular topic of personal accident insurance. 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The accident must be an external, clearly visible event of a &hellip; Continued\" \/>\n<meta property=\"og:url\" content=\"https:\/\/eztakaful.com.my\/en\/personal-accident-insurance-whats-covered-whats-not\/\" \/>\n<meta property=\"og:site_name\" content=\"ezTakaful\" \/>\n<meta property=\"article:published_time\" content=\"2017-03-02T10:35:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-03-02T10:47:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/eztakaful.com.my\/wp-content\/uploads\/2017\/03\/Insurance-Kemalangan_Feb22_1200x680.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"680\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"EZTakaful\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"EZTakaful\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/eztakaful.com.my\\\/en\\\/personal-accident-insurance-whats-covered-whats-not\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/eztakaful.com.my\\\/en\\\/personal-accident-insurance-whats-covered-whats-not\\\/\"},\"author\":{\"name\":\"EZTakaful\",\"@id\":\"https:\\\/\\\/eztakaful.com.my\\\/#\\\/schema\\\/person\\\/c5c6c32f7575dd53d11e1b9c88ca52db\"},\"headline\":\"Personal Accident Insurance: What\u2019s Covered and What\u2019s Not\",\"datePublished\":\"2017-03-02T10:35:30+00:00\",\"dateModified\":\"2017-03-02T10:47:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/eztakaful.com.my\\\/en\\\/personal-accident-insurance-whats-covered-whats-not\\\/\"},\"wordCount\":476,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/eztakaful.com.my\\\/en\\\/personal-accident-insurance-whats-covered-whats-not\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/eztakaful.com.my\\\/wp-content\\\/uploads\\\/2017\\\/03\\\/Insurance-Kemalangan_Feb22_1200x680.jpg\",\"articleSection\":[\"Blog\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/eztakaful.com.my\\\/en\\\/personal-accident-insurance-whats-covered-whats-not\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/eztakaful.com.my\\\/en\\\/personal-accident-insurance-whats-covered-whats-not\\\/\",\"url\":\"https:\\\/\\\/eztakaful.com.my\\\/en\\\/personal-accident-insurance-whats-covered-whats-not\\\/\",\"name\":\"Personal Accident Insurance: What\u2019s Covered and What\u2019s Not - 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