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You made a promise to provide for your family and work hard to better their lifestyle. A Personal Accident policy helps you keep it.

Every week accidents claim a significant number of lives across Malaysia. No matter how careful you are you can't always see what's around the corner. Accidental Death Cover or Personal Accident Cover is an easy and affordable way to provide a lump sum benefit – up to RM100,000 which is paid to your family if you are in a fatal accident. It's your way of providing your family with a financial safety net to take care of them when tragedy suddenly strikes.


Personal Accident Cover is only offered to applicants whose health prevents them from buying fully cover life insurance, such as Life Cover.

Personal Accident Cover or Accidental Death Cover pays a lump sum benefit to your family if you were to die as a result of an accident. It's one way you can help ensure that they can continue to get by without you, if you suddenly and unexpectedly weren't there.

Personal Accident insurance allows you to choose the cover amount you need up to RM100,000. If you die in an accident, or from injuries sustained in an accident, we'll pay the cover amount.

While no amount of money can compensate for losing a family member in this way Personal Accident insurance helps you ensure your family won't face financial disaster if you're no longer there to look after them.

Personal Accident Cover

U will only be offered the Personal Accident cover if we are unable to offer you the life cover plan. Personal Accident cover pays out the amount you select up to RM100,000 if you die or are permanently disabled as a result of an accident.

When is your death or disability an accident?

Your death or disability is accidental, if you die within 180 days of sustaining an injury that caused your death, where the injury was directly and solely caused by external, violent and accidental means.

Summary of Personal Accident policy

  • Pays an agreed lump sum up to RM100,000 if U die by accident
  • Pays an agreed lump sum up to RM100,000 if U are totally and permanently disabled accidentally to age 65
  • After first two years from date of issue, the policy pays a lump sum up to a maximum of RM20,000 if death is as a result of natural causes.
  • Tokio Marine Life will return the total premium paid on non-accidental death within the first two years
  • As long as you continue to pay, you’ll remain covered until you’re 75 years old
  • This product is insured by Tokio Marine Life Malaysia
  • To be eligible to buy this product on-line, you must be aged from 18 to 59 years, have a Malaysian NRIC number, with a Malaysian physical address and reside in Malaysia, Singapore, USA, Canada, UK, NZ, Australia, Ireland or Brunei

For more details, see our policy disclosure statement