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Golden Protection

| PERSONAL ACCIDENT

USD 30 per year only for a protection of up to USD 40,000

Underwritten by Asia Specialty Insurance Limited, specially designed for all classes of occupation, this policy provides compensation up to USD 40,000 in the event of accidental death or permanent disablement due to accident. It can help mitigate risk associated with working outdoors, and can safeguard your family’s financial future. Besides covering accidents, this policy also covers funeral and repatriation expenses — ensuring your family has one less thing to worry about when the time comes. Covers funeral expenses due to accident subject to maximum of USD 800.00 only.   Covers repatriation expenses due to accident (i.e. cost of transportation of mortal remains to the insured home) subject to maximum of USD 2,000.00 only.

Golden Protection is Personal Accident insurance or PA insurance which provides compensation in the event of disability or death caused solely by violent, accidental, external and visible events. This plan provides 24-hour worldwide and protecting you anywhere in the world, any time of the day.


Golden Protection offers you:

  1. Pays a cash sum up to USD 40,000 in the event of accidental death;

  2. Pays a cash sum up to USD 40,000 in the event of permanent disablement due to accident;

  3. Covers funeral expenses cause by accident up to USD 800; and

  4. Covers repatriation expenses due to accident (cost of all necessary arrangement including but not limited to transportation of mortal remains, undertaker, casket, embalming and/or cremation) up to USD 2,000

Understanding our policy is simple. That’s because, we have simple, and clear plans. Here is how it works:

You pay USD 30 or Ringgit Malaysia equivalent (RM 129) per year, and you will gain:

i.   Up to USD 40,000 in the event of accidental death or permanent disablement.

ii. Cash benefit of USD 800 for the funeral expenses

iii. Repatriation expenses due to accident (transportation of mortal remains to the insured home) up to USD 2,000

ix. Peace of mind knowing that your family is protected financially during times of uncertainty

x. Confidence knowing that you can plan for your family’s future 

In addition, below are the other types of benefits included in the Golden Protection policy for your kind perusal.

Total Permanent Disablement Benefits

Description of Disablement According to percentage below
Loss of two (2) Limbs 100%
Loss of both hands, or of all fingers and both thumbs 100%
Total and irrecoverable loss of both eyes (whole eye and sight) 100%
Loss of One hand and one foot 100%
Loss of One foot and sight of one eye 100%
Total paralysis 100%
Injuries resulting in being permanently bed ridden 100%
Any other injury causing permanent total disablement  100%
Total and irrecoverable loss of eye (whole eye and sight) 50%
Loss of arm at shoulder 50%
Loss of arm between shoulder and elbow  50%
Loss of arm at elbow
50%
Loss of arm between elbow and wrist
50%
Loss of hand at wrist 50%
Loss of leg (at hip, between knee and hip and below knee) 50%
Loss of hearing both ears40%
Loss of four (4) fingers and thumb on one (1) hand30%
Loss of speech25%
Loss of four (4) fingers20%

Just like most things for sale on the internet with their terms and conditions applied, our policy is no different. We suggest that you read  the Term & Conditions carefully in order to  know the full term of your coverage.

Golden Protection is offered to individuals aged between 19 to 70 on their next birthday and not travel with motorcycles while on duty, must be in normal heath and free from any physical deformity. Standard terms and conditions apply.

This type of insurance is suitable if you're employed or self-employed and want to protect your earnings or if you want to have additional financial protection in the event of an accident.

Those who are involved in the following occupations shall be covered during off-duty only;

  1. Police, army / military and law enforcement officers
  2. Aircraft testers, pilots or crew
  3. Divers
  4. Racing drivers
  5. Jockeys
  6. Persons engaged in professional sports activities
  7. Persons engaged in underground mining and tunnelling
  8. Firemen
  9. Seamen and sea fishermen
  10. War correspondents
  11. Oil rig workers
  12. Steeplejacks
  13. Stevedores
  14. Persons engaged in ambulance services
  15. Sawyers, timber logging workers, drivers/attendants of timber lorries and winches
  16. Wood working machinists or Using of wood-working machinery driven by mechanical power
  17. Explosive handlers
  18. Those who are required to travel on motorcycle while on duty.

Our policy’s terms and conditions have implications for the way you are compensated, so it pays to understand them. They may look lengthy, but they are straightforward. Here they are:

  1. Golden Protection Personal Accident Insurance is available to individuals aged between 19 to 70 on their next birthday, must be in normal health and free from any physical deformity.
  2. This insurance plan excludes those who travel with motorcycles while on duty.
  3. It will not cover those who have lapsed their policy or stopped paying their premiums.
  4. Premiums paid are not refundable if you cancel your policy.
  5. This plan has a waiting period of seven (7) days. You will not be compensated if accident happened within seven (7) days from the date of your 1st policy issued.
  6. This insurance plan covers accident happened worldwide except Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria and each trip shall not exceed 30 consecutive days.
  7. You won’t be compensated for any event directly or indirectly arising out of:
    1. War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power.
    2. Martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege.
    3. Deliberately self-inflicted injury or suicide or the criminal or illegal act.
    4. Fits, hernia, illness of any kind venereal disease including those relating to the Acquired Immune Deficiency Syndrome (AIDS), pregnancy, childbirth, miscarriage, confinement or any complications thereof, intoxicating liquor, drugs or misuse of drugs prescribed by a legally qualified medical practitioner, suicide, self-inflicted injury, judicial pronouncement, unlawful act on the part of the Participant or wilful exposure of the Participant to unnecessary danger except in an attempt to save human life.
    5. While the insured is in a state of unsound mind, drugs overdosed, gas inhalation and/or suffocation, food and/or drink poisoning, provoked and/or unprovoked assault or murder, hijacking and/or disappearance.
    6. Any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of any de Jure or de facto Government or to the Influencing of it by terrorism or violence.
    7. While the Participant is using power-operated wood working machinery or engaging in Hunting, Trekking activity in any place with height more than four thousand (4,000) meters above sea level, Mountaineering, Steeple chasing, Polo, Racing of any kind, riding a two-wheel motorcycle, Water Skiing, Ice or Winter Sports of any kind, Scuba diving, Skin diving of any kind including the use of Aqua-lungs, Boxing, Wrestling and Training or performing any form of Martial Arts and all aerial sporting activities unless previous consent of the Operator has been obtained and the Certificate has been endorsed accordingly. In any event whatsoever any person engaging or participating in any sport on a professional basis, will not be covered under the Certificate.
    8. Participating in or training for any hazardous or dangerous sport or competition or riding or driving in any form of race or competition.
    9. Sickness, disease or any kind of infection however contracted, even if through injury and/or snake, insect and/or animal bite. This Exclusion however, does not apply to sickness or disease directly resulting from medical or surgical treatment rendered necessary by an injury or to infection directly resulting from an injury, provided that in each case the injury itself is covered by this policy.
    10. The insured person having a blood alcohol content over the prescribed legal limit when driving or operating any motor vehicle, and/or being under the influence of intoxicating liquor and/or being under the influence of any drug other than a drug taken or administered by, or in accordance with the advice of, a legally qualified medical practitioner.
    11. While the Participant is in on or ascending into or descending from any aircraft other than a fully licensed commercial passenger carrying aircraft in which the Participant is travelling as a passenger (on scheduled flights only) other than as a member of the crew and not for the purpose of undertaking any trade or technical operation therein or thereon.
    12. By or contributed by or arising from ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
    13. By or arising out of or consequent upon or contributed to by HIV infection, Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this syndrome has been acquired or may be named.
    14. Any action caused or an injury inflicted by any person deriving benefit from this insurance policy or by any person conspiring with any person deriving benefit from this insurance policy.
    15. Any disability, abnormality or deformity which originated prior to the Inception Date of this insurance policy.

The full sample of policy document is available for your viewing. Please click on the Policy/Certificate folder to view.

To make a claim, the following documents are required:

  1. Accident Death Claim (to be submitted by trustee or executor or lawyer or next of kin)
    1. Completed Claim Form
    2. Certified NRIC/Passport (Life Assured & Claimant)
    3. Police Report/Accident Report (Original)
    4. Certified Death Certificate
    5. Certified Post Mortem
    6. Letter from Embassy in country of destination (original)
  2. Total & Permanent Disability (to be submitted by Insured unless medically incapacitated)
    1. Completed Claim Form
    2. Certified NRIC/Passport (Life Assured & Claimant)
    3. Police Report/Accident Report (Original)
    4. Medical Report (Original)
    5. Full length photograph (Life Assured)

Please click on the relevant claim form below to download.



Golden Protection Personal Accident Claim Form.pdf

Note:

All certificates, information and evidence required by the Insurance Company must be supplied at the expense of the claimant in the form prescribed by the Insurance Company

  1. The Insured Person may have to undergo further medical examination as required by the Insurance Company at the expense of the Insurance Company.
  2. In the event of death of the Insured Person, the Insurance Company shall be entitled to have a post-mortem exmination at their own expense and notice shall when praticable be given to the Insurance Company before interment or cremation stating the time and place of any inquest appointed.

Submit your claim form complete with necessary supporting documents to Asia Specialty Insurance Limited, 8A Floor, Wisma Genting, Jalan Sultan Ismail, 50250, Kuala Lumpur, Malaysia.

Asia Specialty Insurance Limited reserve the right to request other documents in addition to, or in lieu of, the above documents for the substantiation of claims.

We recommend that claimants keep copies of all claims submissions until they have been fully settled. 

If you do not get a response within 14 business days, please call Asia Specialty Insurance Limited Customer Service Department at 603 2162 1128 giving your certificate number and brief details of your claim. 



Aside from giving you the financial protection you need, this plan is also tied to our easicircle reward system. This means you will be given the chance to earn some easipoints, which have monetary value, when you refer your friends to join us and take up this insurance plan. To learn how many easipoints you will get, peruse the following:

Circle One = up to 10% easipoints from Premium
You will be rewarded with up to 10% easipoints of the Premium upon each successful referral of yours

(Note: A successful referral is when your referred friend join us and take up this insurance plan)


Circle Two = up to 5% easipoints from Premium

You will be rewarded with up to 5% easipoints of the Premium upon each successful referral of your referees (your referred friends)


Circle Three = up to 3% easipoints from Premium

You will be rewarded with up to 3% easipoints of the Premium upon each successful referral of your referee’s friends.


Circle Four = up to 3% easipoints from Premium

You will be rewarded with up to 3% easipoints of the Premium upon each successful referral of your referee’s friends.


Circle Five = up to 3% easipoints from Premium

You will be rewarded with up to 3% easipoints of the Premium upon each successful referral of your referee’s friends.


Circle Six = up to 2% easipoints from Premium
You will be rewarded with up to 2% easipoints of the Premium upon each successful referral of your referee’s friends.


To make a referral, simply become an easicircle member and go to My EASICIRCLE or MY QR CODE.


*easipoint reward above are subject to change without prior notice. Terms and Conditions apply.