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Insurance coverage is rarely a one-size-fits-all. Introducing a protection plan that can be personalised according to your needs. 

MyGuardian PA is designed to match your ever-growing lifestyle, covering you and your loved ones at every stage of life.

Protection designed for you.

#AIG Jaga You

Benefits For Every Life Stage

Coverage Up To 100 Years Of Age

The policy covers you, your spouse and parents up to the age of 100 years.

Match Your Growing Lifestyle

Protect every stage of your life. As you progress through the different phases of life – from being single to getting married and having children, we have plans that cater to you and your loved ones.

Lump Sum Claim Payment

Majority of our benefits are paid on a lump sum basis. This makes the claims process easier and allows you to enjoy claims payments in addition to other insurance coverage paying for the same accident / benefit.

Medical And Related Expenses Due To An Injury

Medical Expenses And Daily Hospitalization Income Due To An Injury

Reimbursement for medical expenses to treat injuries suffered from an accident and a daily cash payout if hospitalized.

Dental And Corrective Surgery

Reimbursement for restorative dental correction or corrective surgery to restore appearance if required when you suffer from an accident that leads to injuries.

Alternative Medical Treatments

Reimbursement for medical expenses for traditional chinese medicine or chiropractor treatment to treat injuries suffered from an accident.

Ambulance Fees

Reimbursement for ambulance fees (if required) when you suffer from an accident.

Fractures

Lump sum payout if you suffer from an accident that leads to complete or compound fracture.

Surgical Cash Allowance

Lump sum payout if you suffer from an accident that leads to a surgery.

Serious Burns

Lump sum payout if you suffer from an accident that leads to serious burns.

Compassionate Visit

Reimbursement for travelling and accommodation expenses for your family member if you suffer from an accident that leads to your hospitalization and you have no adult family member with you when hospitalized away from home.

Mobility Assistance

Reimbursement for buying or renting wheelchairs, crutches or any other mobility aid (if required) upon discharge from a hospital if you suffer from an accident.

Home Nursing Care

Cash payout per visit for recommended home nursing care upon discharge if you suffer from an accident that leads to hospitalization for a minimum period of 3 days.

Get Well Benefit

Lump sum payout upon discharge if you suffer from an accident that leads to hospitalization for a minimum period of 7 days and requires post-hospitalization recuperation.

Medical Concierge

Enjoy a worry-free recovery during and after your hospitalization. Our 24/7 medical concierge team is just a call away at +603 - 2772 5655.

(i) Doctor Appointments or Hospital Admission Arrangements
Rest easy knowing that if medically necessary, we will assist you in arranging appointments with medical service providers, or arrange for hospital admission where required.

(ii) Medical Monitoring
We will work with your attending doctor to ensure that you are getting the appropriate medical care

(iii) Home Nursing Referral
Upon discharge from a hospital, where recommended by a doctor, we will provide a list of home nursing care available near you.

Cash Flow Protection Due To An Injury

Accidental Death And Permanent Disablement

Lump sum payout if you suffer from an accident that leads to death or permanent disablement.

Renewal Bonus

Your principal policy value for accidental death and permanent disablement benefits increases by 20% annually up to 5 consecutive years as long as you continue to renew your policy and have not made a claim for accidental death or permanent disablement.

Household Bills Protection

Cash payout to support your household bills if you suffer from an accident that leads to hospitalization for a minimum period of 7 days.

Loan Protection

Reimbursement to support outstanding monthly loan payments if you suffer from an accident that leads to death or permanent disability.

Weekly Allowance Due To Temporary Total Disablement

Weekly cash payout if you suffer from an accident that leads to you being unable to work temporarily due to an injury. You must be gainfully employed to be eligible for this benefit.

Repatriation Of Mortal Remains

Reimbursement for the return of mortal remains to Malaysia and burial costs if you suffer from an accident overseas that leads to death.

Funeral Expenses

Lump sum payout for funeral expenses if you suffer from an accident that leads to death.

Cash Flow Protection Due To An Injury

Specified Infectious Diseases Cover

  • Medical Expenses Due To Specified Infectious Diseases Reimbursement for medical expenses in the event you are diagnosed with any one of the 10 specified infectious diseases covered, including COVID-19.
  • Bereavement Due To Death From Specified Infectious Diseases Lump sum payment for bereavement in the event of death due to any one of the 10 specified infectious diseases covered, including COVID-19.

Accidental Death And Permanent Disablement On A Common Carrier

Additional lump sum payout if you suffer from an accident that leads to death or permanent disablement when travelling on a common carrier, for example: bus, train or other such public transportation including e-hailing rides.

Personal Liability

Covers legal liability for unexpected incidents where you are held legally liable for damages you have accidentally caused to another person or their property.

Snatch Theft

Lump sum payout if you become a victim of snatch theft.

Protection For The Family

Parent And Child Support Assistance

Ensure your parents and children are financially supported should you suffer from an accident.

  • Lump sum payout per child (up to 3 children) if the accident leads to death or permanent disablement.
  • Lump sum payout per parent (up to 2 surviving parents per insured person) if the accident leads to death provided you are gainfully employed at the time of the accident.

Miscarriage

Lump sum payout if you suffer from an accident that leads to a miscarriage.

Infertility Or Impotency

Lump sum payout if you suffer from an accident that leads to permanent infertility or impotency.

MyGuardian PA is tailored to match your lifestyle to protect you and your loved ones. Give us a call now and our professional agents will guide you towards getting the best protection for yourself and your loved ones.