PERSONAL ACCIDENT

Malayan's Personal Accident Insurance Policies provide monetary compensation for expenses or loss of income brought about by death or bodily injury arising from an accident.

Each of Malayan's accident policies has been designed to provide the following basic benefits:

This benefit is optional and is intended to restore part of the loss of income of the insured during disability caused by an accident.

This benefit is optional except when it is included in the basic coverage. It reimburses the insured for actual medical expenses for injuries sustained as a result of a covered accident.

Malayan offers the following types of Personal Accident Insurance

The Rajah is an accident insurance plan that provides the insured with 24-hour, year-round protection worldwide. It guarantees full insurance benefits for accidental death and dismemberment, full schedule of benefits for permanent disablement or dismemberment, indemnity for accidental loss incurred during air travel, protection against loss of income and medical expenses, murder or unprovoked assault or both. Plus, the insured gets a renewal bonus. Upon annual renewal of the policy, the original sum is increased by 5% each year up to five consecutive years for the first P100,000, whether a claim is presented or not.

This plan extends accident insurance protection to the insured and the immediate members of his family. Considered as immediate members of your family are: If the insured is single, his parents (not over 60) and his unmarried sisters and brothers (ages 1 to 19); If the insured is married, his spouse (not over 60) and unmarried children (ages 1 to 19).

This policy protects the insured against loss resulting directly or indirectly of all other causes from bodily injury caused by accident. The coverage and benefits of the V.I.P. Personal Accident Policy are the same as those of Rajah, except that the Medical Reimbursement is automatic and coverage includes Private Flying.

This policy protects the insured and his unnamed car passengers against loss resulting directly or indirectly of all other causes from bodily injury caused by a car-accident. The Coverage and benefits of the Auto PA are the same as those of Rajah.

This plan covers the insured during the term of the policy against loss resulting directly and indirectly of all other causes from bodily injury caused by accident. The territorial and travel coverages of the TIP are the same as that of the Individual Personal Accident Plans, except for the following: the term of coverage is for a short period, a fixed number of days, up to a maximum of 180 days. Commencement of the coverage is at any time of the day, as indicated in the application form.

Travel Master provides the insured with the most comprehensive protection against accidents, sickness and other travel related problems. With just one call to any of the emergency service centers worldwide, he will be provided with immediate assistance for emergency medical evaluation, and even language interpreter services. He will also be protected against delays or loss of baggage.This policy is ideal for the frequent traveler. Coverages include Accidental Death, Dismemberment and/or Disablement, Medical Reimbursement, Hospital Expenses (Sickness), Strikes and Aircraft Skyjacking, Baggage Delay Benefit and Loss of Baggage. Plus, worldwide travel assistance through the AEA International SOS Assistance Philippines, Inc.