MCIS ZURICH Insurance Berhad

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MZ Care PA

The Benefits

	ACCIDENTAL DEATH & PERMANENT DISABLEMENT Pays lump sum up to RM200,000 in the event of death or permanent disablement due to an accident.
	MEDICAL EXPENSES Reimburses medical expenses up to RM7,500 including surgical and hospital charges in the event of accidental bodily injury.
	HOSPITAL INCOME A daily allowance up to RM200 per day is payable for the period of hospitalization as a result of an accident for a maximum of 30 days per annum.
	EXTRA CASH ALLOWANCE A lump sum allowance up to RM1,000 is payable if the period of hospitalization is more than 3 consecutive days (this benefit is on a per annum basis).
	NIGHT CARE CASH ALLOWANCE A lump sum allowance up to RM50 per night is payable for the loved one in tending to the insured for the duration of the hospitalization as a result of an accident for a maximum of 30 days per annum.
	PERSONAL WEEKLY INCOME A lump sum allowance up to RM250 per week is payable if the insured is deemed unfit or unable to work by the doctor following an accident for a maximum of 4 weeks ( this benefit is on a per annum basis ).
	REPATRIATION EXPENSES Reimburses up to RM5,000 for the return expenses of mortal remains of the insured.
	BEREAVEMENT ALLOWANCE A lump sum payment up to RM5,000 will be made to the next of kin as a bereavement allowance.
	OTHER ALLOWANCES Reimburses up to RM3,000 for traveling expenses including accommodation and lodging for either the spouse or child in the event of accidental death of insured ( applicable for a period of 10 days from the date of death ). Reimburses up to RM5,000 to the next of kin for the car loan repayment subsequent to the accidental death of the insured.
	RENEWAL BONUS Increases the orignal sum insured by 10% for each claim-free year (max of 3 yrs).
	DOUBLE INDEMNITY Pays double upon Death or Permanent Disablement whilst the insured is traveling on a public transport.

BENEFITS	SILVER	GOLD	PLATINUM
Accidental Death & Permenent Disablement	50,000	100,000	200,000
Medical Expenses	2,500	5,000	7,500
Hospital Income	50 / day	100 / day	200 / day
Extra Cash Allowance	300	500	1,000
Night Care Cash Allowance	30 / night	40 / night	50 / night
Personal Weekly Income	100 / week	150 / week	250 / week
Repatriation Expenses	3,000	4,000	5,000
Bereavment Allowance	3,000	4,000	5,000
Other allowances :- -Travel Expenses -Car loan repayment	1,000 3,000	2,000 4,000	3,000 5,000
Renewel Bonus	5,000 / year	10,000 / year	20,000 / year
Double indemnity (if traveking as a passenger on any public transport)	50,000	100,000	200,000
Premium for Class 1 & 2	88	165	315
Premium for Class 3	140	-	-


	Employment Classification
	Class 1 - Persons exclusively engaged in professional administrative, managerial, clerical and non-manual solely in offices or similar non-hazardous places
	Class 2 - Persons engaged in work of supervisory nature, in wholesale trade, or frequent travelling and whose duties do not involve the use of tools or machinery other than light tools ( e.g. surveyors, chauffeurs, commission agents, physiotherapists, watchmakers, jewelers )
	Class 3 - Persons engaged in manual work but not of a particular hazardous nature but involving the use of tools or machinery ( but not woodworking machinery ) ( e.g. fishmongers, farmers, taxi/bus drivers, electricians, mechanical and motor engineers, mechanics, masons, plumbers and butchers )

MCIS ZURICH Insurance Berhad

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