We all know that accidents do happen, and they usually happen to everyone else. But when they do happen to us, wouldn't it be comforting to know that there's a plan to help us against the aftermath that follows? You see, accidents do happen and while we can't protect you against accidents, we can cushion your financial responsibilities when accidents do come your way.

Classic PA is a comprehensive personal accident insurance plan that gives you 24 hour worldwide coverage against a wide range of events you may unfortunately find yourself caught up in, such as:

• Unprovoked murder or assault
• Strikes, riots and civil commotion
• Hijacking
• Natural disasters such as earthquake, flood, La Nina & El Nino
• Intoxication by alcohol or drugs
• Animal or snake bites and venomous insect stings
• Food poisoning
• Drowning
• Inhalation of poisonous gas
• Exposure to natural elements
• Disappearances due to an accident

To see you through the aftermath, Classic PA supports you financially in your recovery and/or that of your family with the following benefits:

Accidental Death or Permanent Disablement
We will pay a lump sum of compensation should an accident occur. Payment will be made in accordance with the percentage as specified in the Schedule of Benefits.

Total Paralysis
We will pay 200% of your Capital Sum Insured including the Renewal Bonus (if any) if you are paralysed from the neck down and 150% if you are paralysed from the waist down.

Weekly Benefits for Temporary Total or Partial Disablement (if insured)
We will pay a weekly benefit for each week of temporary total or partial disablement for up to a maximum of 104 weeks, should an accident occur and prevent you from attending to all or a substantial part of your duties pertaining to your usual occupation, profession or business.

Medical Expenses and Sinseh/Traditional Treatments
In addition to paying for medical expenses such as room charges, clinical, medical and surgical treatments up to the amount insured, Classic PA will also cover charges for sinseh and/or traditional medical treatments up to a maximum of RM50 per visit and RM500 per accident provided Western medical treatment is first sought. Classic PA will even reimburse your hospital, medical and clinical expenses, as well as room and board charges resulting from Malaria, Japanese Encephalitis, Yellow Fever, Scarlet Fever or Coxsackie.

Government Hospital Allowance
For hospitalisation in government hospitals for more than 24 hours, in addition to paying for your medical and clinical expenses as well as room and board charges, Classic PA will also pay you daily cash allowance up to 60 days.

Bereavement Allowance
In the event of accidental death, we will pay a lump sum bereavement allowance in accordance with the plan selected. For deaths due to motor accidents, immediate payment will be made upon presentation of police report and death certificate.

Double your benefits with Classic PA

That's not all. With Classic PA, you'll get these additional privileges!

Purchase of Prostheses
	In the event where prostheses are needed for you to go on with life, Classic PA will pay you up to RM5,000 in cash for the purchase of wheel chairs, crutches or artificial arm or leg.
Ambulance Fee
	In the event of an accident where an ambulance is dispatched, we will cover ambulance fees of up to RM200 per incident.
Double Indemnity
	If you suffer accidental death while travelling as a fare paying passenger in a duly licensed aircraft or sea-going liner, we will pay double the Capital Sum Insured including Renewal Bonus (if any).
Personal Liability
	Should you be liable to pay a third party for accidental bodily injury or accidental property damage, we will pay for indemnities incurred, up to the limit stated in the Table of Benefits.
Renewal Bonus
	The Capital Sum Insured will be increased by 10% at each renewal up to a maximum of 50% of the original Capital Sum Insured provided no claim has been made during each year of insurance.
Car Assistance Program
	In affiliation with Asia Assistance Network (M) Sdn Bhd, Classic PA will provide you with 24 hour emergency towing and roadside repair services, car replacement assistance and arrangement of hotel accommodation as a result of a private passenger car breakdown and referrals to accredited service or repair centers. We also will pay up to a maximum of RM300 for repairs and towing charges each time you get into an accident.
15 day Grace Period
	This policy shall be kept in force for a grace period of fifteen (15), days following its expiry to allow you to inform us to renew the policy.
Additional Bonus
Additional Bonus of 15% of original sum insured is granted for all new or renewal policies

Motorcycling Extension
Coverage of accidents due to motorcycling can be extended with a slight increase in premium. Please refer to the Table of Benefits.

Eligibility
Eligibility age is from 18 years to 65 years old, renewable up to 70 years old. Your occupation must fit the following classification:

• Class 1
  Persons whose occupation is generally sedentary in nature, that is, persons engaged in professional, managerial, administrative and clerical positions.
  
  
• Class 2
  Persons engaged in wholesale or retail trade, sales, marketing or work of a supervisory nature and whose duties involved travelling in connection with his profession or business purposes but not involving manual labour or the use of tools and machinery or expose to any special hazard.
  
  
• Class 3
  Persons either occasionally or generally engaged in manual work not of a particularly hazardous nature but involving the use of tools and machinery.

Excluded Occupations
If you happen to be in the listed professions below, please contact us for more details.

Air crew, professional sportsperson, professional diver, jockey, professional entertainer, social escort, explosive handler/maker, military and law enforcement officer, firefighter, sailor, acrobat, bodyguard, debt collector, demolition worker, quarry worker, steeplejack, sawyer, security guard, woodworking machinist, heavy commercial vehicle driver, oil rig worker, underground or mining worker, timber logger or worker, plantation or estate worker (other than owner), construction worker or person engaged in outdoor work involving heights of 30 feet and above.

Exclusion
Like most insurance policies, Classic PA is subject to certain exclusions:

• war, terrorism, radiation or contamination by radioactivity, nuclear weapons material
  
  
• diseases or sickness, parasitic, bacterial or viral infection, pre-existing physical or mental defect or infirmity, pregnancy, childbirth, miscarriage or any complications of pregnancy, HIV and/or HIV related illness including AIDS, provoked murder or assault, suicide or attempted suicide, self injury, drug addiction.
  
  
• professional or semi professional sports, flying as a pilot or air crew member in any aircraft, motorcycling, steeple chasing, go karting, winter sports, ice hockey, boxing, wrestling, parachuting, hang gliding, skydiving, horseback polo playing, barehanded rock or cliff scaling, hunting outside the territorial limits of Malaysia, sea angling, boating or yachting beyond 5 kilometers off any coastline, motor sports rallies or competitions, speed testing, reliability trials or racing of any kind other than on foot.