Keep your Kids Safe!
SCHOOL PERSONAL ACCIDENT
24/7 protection against personal accidents for students
School Personal Accident Insurance
School Personal Accident Insurance” is a type of policy designed to provide financial protection for students and sometimes staff in the event of accidental injury or death occurring during school-related activities.
Accident can happen unexpectedly because...
- Not possible to bubble wrap your child
- Can’t 100% child-proof your home & environment
credited video: SOMPO
School Personal Accident Info
The Importance of Insurance for School Children
Insurance or takaful protection for school children is crucial as it provides comprehensive coverage for students up to the age of 21. This protection is valid 365 days a year — whether the student is at school, outside of school, or participating in daily activities, both within the country or while traveling with family abroad.
Key Features of Coverage:
Comprehensive 365-Day Protection
- Covers school hours, after-school activities, daily routines, and travel both locally and internationally.
Coverage Until Age 21
- Offers peace of mind to parents throughout their children’s school years.
Support for Future Safety
- Helps reduce the financial burden on parents in the event of accidents or emergencies, ensuring a brighter future for their children.
Hibah & Takaful Benefits
- If the child’s guardian passes away or suffers total permanent disability, the takaful provider will pay out a benefit of RM20,000.
Hospitalization & Medical Treatment Benefits
- Cash benefits are provided if the student is hospitalized or requires medical treatment due to an accident.
Death & Total Permanent Disability (TPD) Protection
- Provides immediate financial assistance to families in unexpected situations.
Why Is It Important?
Offers peace of mind
for parents.
Promotes a safety-conscious culture among students.
Ensures long-term protection and security for children.
Benefits
365-Day Protection (1 Year) covering:
Death due to accident, dengue, or permanent disability
Hospital Cash Allowance
Medical Treatment
Includes Benefits for Traditional Treatment
Worldwide Coverage
Coverage applies during school hours, outside school hours, and includes international travel worldwide without restrictions.
Parents/guardians Coverage
Protection for parents/guardians in the event of death, accidental injury, or permanent disability — up to RM20,000.
Benefits Description
1) Accidental Death
Accidental Death
Takaful will pay the amount stated in the Schedule of Benefits in the event of death due to an accident.
Additional Coverage for Death – Dengue Fever
If the Insured Person is diagnosed with dengue fever by a medical practitioner, and it results in death within twelve (12) consecutive months, Takaful will pay the amount stated in the Schedule of Benefits.
2) Accidental Permanent Disablement
Permanent Disability Due to Accident
In the event of disability due to an accident, a payment will be made based on the percentage of the Sum Insured, as stated in the Schedule of Benefits.
3) Double Indemnity
Death in Public Transportation
In the event of death due to an accident while traveling on public transportation to and from the usual residence of the Insured Person and/or to school, we will pay the amount stated in the Schedule of Benefits.
Death on School/University Premises
In the event of death due to an accident on school premises, we will pay the amount stated in the Schedule of Benefits.
4) Medical Expenses
Medical Expenses Due to Accident
Reimbursement of expenses incurred for each accident up to the maximum amount, if the Insured Person sustains bodily injury and incurs medically necessary medical expenses within twelve (12) consecutive months from the date of the accident.
Extended Coverage Due to Dengue Fever
If the Insured Person is diagnosed with dengue fever and incurs medically necessary expenses, we will reimburse the expenses incurred for each incident up to the maximum amount stated in the Schedule of Benefits.
5) Hospital Cash Allowance – Maximum 60 Days
1. Government Hospital
2. Private Hospital
We will pay the daily amount stated in the Schedule of Benefits for each day, up to sixty (60) days, that the Insured Person is hospitalized due to an accident.
6) Travel Allowance
1. Government Hospital
2. Private Hospital
If the Insured Person sustains bodily injury and, as a result, is admitted to the hospital as a registered inpatient, we will pay the amount stated in the Schedule of Benefits for each accident as a travel allowance to and from the hospital.
7) Extended Protection for Living Benefits
Extended Protection for Living Benefits (Exempted for teachers and workers)
We will pay the amount stated in the Benefits Schedule if one of the biological parents suffers bodily injury, which within twelve (12) consecutive months results in death or total and permanent disability.
8) Medical Practitioner
Medical Practitioner’s Benefit
If the Insured Person suffers bodily injury due to an accident that qualifies for payment under Benefit E: Medical Expenses Due to Accident, and following the first consultation by a medical practitioner, the Insured Person requires any traditional treatment with expenses incurred within ninety (90) days from the date of the same accident, we will reimburse the actual amount of expenses incurred for each accident up to the maximum amount stated in the Benefits Schedule.
9) Dental Treatment
Dental Treatment Due to Accident
If the Insured Person suffers bodily injury and incurs expenses for dental treatment provided by a dentist, we will pay the amount stated in the Benefits Schedule
10) Funeral Allowance
Funeral Allowance
If the Insured Person suffers bodily injury due to an accident within twelve (12) consecutive months and it results in death, we will pay the amount stated in the Benefits Schedule.
Who is eligible for this plan?
From 16 to 65 years old
Notes: All ages refer to age of next birthday
Eligibility of the location at:
Registered Children's Care Center
Preschool, Pasti, Kemas, Kindergarten
Government, Private, or Community Religious School
Tuition Center, Transit Care Center, Orphanage/ Tahfiz School
College, Public or Private University, or Pre-University Program
Teacher / Guardian Eligibility
Free coverage for one (1) teacher for every 20 contributing children.
Teacher or Lecturer at a School, College, or University
School Employees, Teaching Staff, or Kindergarten Caregivers
Teaching staff responsible for managing children at Childcare Centres or Preschools
PUBLIC LIABILITY TAKAFUL
Obtain defense against third-party legal liability in the event of an accident involving business operations that occurs during the takaful period.
Coverage
This plan protects you against all financial losses and expenses for which you may be held legally responsible, including medical expenses and injuries to others as well as property loss or damage. Additionally, this plan will pay for defense fees and lawsuit costs that written for approval.
Public Liability Takaful in the event of any of the following, takaful will cover your legal duty to third parties related to your business:
Accidental injury to persons
Accidental damage to tangible property
Exclusions:
- War, Civil War and any act of Terrorism
- Radioactive and nuclear energy risks
- Willful acts or willful negligence
- Wear and Tear
- Faulty design
- The cost of replacement, repair or rectification of defective material and/or workmanship
- Mechanical and/or electrical breakdown or derangement of construction plant and machinery
- Consequential loss of any kind, including penalties, losses due to delay, lack of performance, loss of contract
- Seepage, Pollution and Contamination
- Asbestos
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy
PUBLIC LIABILITY INSURANCE
Get indemnity against your legal liability to third parties in connection with your business.
Get in touch with us
Any questions? Need some advice? We can find the perfect solution for your business.