Junior Protector is a Personal Accident Insurance every parent needs for their children. It's impossible to predict when the unexpected will befall. It's always reassuring to know that your child has the best of everything and that includes a policy that will protect them from head to toe. Don't think twice! Your children are a source of joy, don't let accidents take that away from you.

Excellent Benefits just for Your Child

• Accidental Death or Permanent Disablement
  Upon accidental death or permanent disablement, a lump sum payment will be made in accordance with the percentage specified in the Schedule of Benefits
  
  
• 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 Junior Protector will also cover charges for sinseh and/or traditional medical treatments up to RM50 per visit and RM500 per accident, provided western medical treatment is first sought. Junior Protector 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 and Coxsackie.
  
  
• Government Hospital Allowance
  If the child is confined in a Government Hospital for more than 24 hours for medical treatment due to accident, a daily cash allowance will be given for a maximum of 60 days.
  
  
• Nursing Care
  Following discharge from the hospital,we will reimburse you of up to RM100 per day,for a maximum period of 60 days,for nursing services rendered by a qualified and registered nurse in the insured person's home.
  
  
• Guardian Allowance
  For each child hospitalised within 24 hours from the date of accident where fulltime attention and companion of a parent or guardian is required, we will pay an allowance of RM50 per day up to a maximum of 60 days.

Special Features are also included because your Child's Life is Precious...

• Purchase of Prostheses
  If the condition of your child requires purchase of a wheelchair, crutches or artificial arm or leg to assist in mobility, you will get reimbursement of up to RM5,000.
  
  
• Reimbursement of Examination Fees
  We will reimburse examination fees (if forfeited) up to RM3,000 per child should they be unable to sit for academic examinations as a result of hospitalisation due to an accident.
  
  
• Bereavement Allowance
  In the event of accidental death, an additional lump sum of RM3,000 for funeral expenses will be given.
  
  
• Textbook Allowance
  If the child's textbooks or any other type of books are lost or damaged due to all accident, we will pay for the cost of purchasing such books up to RM500.
  
  
• Academic Achievement Award
  If your policy has been in force for a continuous period of 12 months and your child achieves outstanding results during the first sitting in the following examinations, incentive in the form of cash reward will be given.

• Ambulance Fees
  We will reimburse up to RM200 per accident, incurred for the provision of Ambulance and attendants services.
  
  
• No Claim Renewal Bonus
  The Capital Sum Insured will be increased by 5% at each renewal, up to a maximum of 25% of the original Capital Sum Insured, provided that no claim be made under the policy.
  
  
• 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.

The benefits are simply endless covering these extensions too!
Motorcycling ~ Exposure to natural elements ~ Kidnapping / Hijacking ~ Strikes, riots and civil commotion ~ Drowning ~ Disappearances due to an accident ~ Natural disasters such as earthquakes, floods, La Nina & El Nino ~ Food poisoning Amateur sports , Animal or snake bites and venomous insect stings ~ Inhalation of poisonous gases

ACT NOW! Junior Protector is your opportunity to safeguard your children's future and cushion yourself from any unexpected expenses

Eligibility
As soon as your child celebrates his/her 1st Birthday, give them that added protection they need. It would be the best birthday gift ever! They may not see the value in it, but you surely will!

General Exclusion
Like most insurance policies, Junior Protector 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, 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.

Your Choice of Plan

Note:
* Eligibility age is from 1-17 years.
* Children aged 1-12 years are only eligible to enrol for Plan A.