Name:	PLATINUM
	Symbol:	Pt
	Atomic number:	78
	Atomic weight:	195.078 (2)
	Group name:	Precious metal or platinum group metal
	Platinum is classified as a precious metal, and it is one of the strongest known to man due to its properties and atomic structure. It does not corrode or oxidise easily.

You Deserve Superior Protection from Platinum PA

Like the nature of platinum, Platinum PA is a highly superior personal accident insurance plan. It is uniquely designed for individuals who deserve more in life.

Wherever you are, Platinum PA gives you tremendous coverage up to RM5 million and constant relief in unforeseen situations. But there's more to Platinum PA than just money, your needs will also be attended to every step of the way should accidents befall you. We believe that with our comprehensive benefits, you will enjoy peace of mind whatever the predicament.

Accidental Death or Permanent Disablement
For unfortunate events like death or permanent disablement due to accident, a compensation of up to RM5 million will be paid by us. This payment will be made in accordance with the percentage as specified in the Schedule of Benefits.

Western & Traditional medical expenses

In addition to paying for medical expenses (if insured) such as room charges, clinical, medical and surgical treatments up to the amount insured, Platinum PA will also cover charges for subsequent "sinseh" or other traditional treatments up to a maximum of RM50 per visit and RM500 per accident provided Western medical treatment is first sought.

Apart from the above, we will pay your hospital medical and clinical expenses, as well as room and board charges for illnesses resulting from Malaria, Japanese Encephalitis, Yellow Fever, Scar lett Fever or Coxsackie.

Nursing Care

Platinum PA will reimburse your nursing services rendered by a qualified and registered nurse up to RM200 per day for a maximum period of sixty (60) days following your discharge from the hospital for treatment.

Wider Coverage

With 24 hour worldwide coverage, Platinum PA of offers greater benefit in the event of unforeseen and unfortunate moments for you or your family such as:

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

Personal Liability
Platinum PA will also cover your indemnities incurred up to RM5 million should you be liable to pay a third party for accidental bodily injury or accidental property damage.

Car Assistance Programme

In affiliation with Asia Assistance Network (M) Sdn Bhd (AAN), Platinum PA will cover and assist you in incidents where you need 24 hours emergency towing and roadside repair, car replacement assistance, and arrangement of hotel accommodation as a result of a car breakdown, and referrals to accredited service or repair centres. We also will pay up to a maximum of RM300 for repairs and towing charges each time you are involved in an accident.

Comprehensive Emergency Assistance Service
If you ever find yourself in a situation requiring emergency assistance, whether in or out of Malaysia, rest assured that Platinum PA will be with you every step of the way. Our affiliation with Asia Assistance Network (M) Sdn Bhd (AAN) will allow you to contact OAC Assist Hotline at AAN Alarm Center 24 hours a day regardless of where you are, provided you are on a trip not exceeding ninety (90) consecutive days.

The plan will comprehensively cover you round the clock on international and domestic emergency assistance services. All the services listed below will be arranged by AAN and borne by us:

• Emergency Medical Evacuation
  Coverage of emergency medical evacuation is inclusive of necessary air or surface transportation, medical care during transportation, communication and all usual ancillary charges. This will only apply if the previous medical facilities offered are inadequate or unavailable to meet your need.
  
  
• Medically Supervised Repatriation
  Medically supervised repatriation incurred for your return to Malaysia due to emergency medical evacuation will also be covered. We will bear the cost up to RM 1 million for Medically Supervised Repatriation and Emergency Medical Evacuation.
  
  
• Compassionate Visit
  If you are hospitalized overseas for more than 7 consecutive days, AAN will arrange and we will bear the cost of one (1) return economy class air ticket for one relative or friend to visit you. Hotel accommodation of RM1,000 per day for a maximum of RM4,000 per event will also be borne by us.
  
  
• Return of Dependent Children
  In instances when you are hospitalized overseas and unable to take care of your children who are travelling with you, we will cover one way economy class airfare for your children's return to Malaysia.
  
  
• Repatriation of Remains
  In the event of death while overseas, the arrangement for burial or repatriation of mortal remains to Malaysia will be organised by AAN. The cost up to RM30,000 will be borne by us.
  
  
• Other services and assistance provided by AAN:
  
  
  • Referral of medical service
    
  • Arrangement for appointment with doctors and hospital admissions
    
  • Monitoring of medical condition upon hospitalisation
    
  • Despatching of medication not available at foreign hospital
    
  • Pre-trip travel information concerning Visa, inoculation, passport or immunization requirements
    
  • Assistance in retrieval of lost items such as lost luggage, documents and personal items
    
  • Relaying of emergency message to designated addressee
    
  • Arrangement of return flights in the event of emergency
    
  • Referral of legal service
    
  • Referral of translation assistance if required

Eligibility
To be eligible for the Platinum PA policy, you must be a Malaysian or Permanent Resident of Malaysia aged from 18 years to 65 years. Your occupation must fit any one of the following classifications:

• Class 1
  Persons whose occupation is generally sedentary in nature, that is, persons engaged in professional, managerial and administrative 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 exposure to any special hazard.

Important Information:

1. Like most insurance policies, Platinum PA is subject to certain exclusions:

• Persons either occasionally or generally involved in manual work not of a particularly hazardous nature but involving the use of tools and machinery.
  
  
• Air crew, professional sportsperson, professional diver, jockey, professional entertainer, social escort, military and law enforcement officer, firefighter, sailor, acrobat, bodyguard, debt collector and security guard.
  
  
• 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 associated with pregnancy, HIV and/or HIV related illness including AIDS, provoked murder and 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, 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 5km off any coastline, motor sports rallies or competitions, speed testing, reliability trials or racing of any kind other than on foot.