Posted on: April 24, 2026
Most accidents don’t come with drama or sirens. They come with inconveniences that quietly turn into problems.
A fall that puts you out of work for three weeks.
A sports injury that means hospital visits, physiotherapy, and unpaid leave.
These minor accidents are life‑disrupting events that throws your daily routine into chaos.
And for many families, that’s exactly where the financial strain begins, long before life insurance ever comes into play.
This is where Personal Accident (PA) insurance becomes essential, and where PremierUltra PA by Tokio Marine Malaysia moves beyond basic protection.
What Is PremierUltra PA?
PremierUltra PA is a 24 hour worldwide personal accident policy designed to protect individuals and families against the financial impact of accidents — whether they happen at work, at home, on the road, or while travelling.
Unlike basic personal accident plans that focus mainly on accidental death, PremierUltra PA combines:
- Income protection
- Medical reimbursement
- Cash benefits during recovery
- Family wide coverage options
- Liability protection
This makes it particularly relevant for Malaysian households in their 30s and 40s, where cash flow, dependants, and time pressures collide.
Designed for Families, Not Just Individuals
One of PremierUltra PA’s strongest advantages is its family structure.
- Family Plan with Unlimited Children
- A family plan can cover:
- The primary policyholder
- Legal spouse
- Any number of dependent children
This avoids the need to buy separate PA policies for each child and keeps protection simple.
For parents with active children involved in sports, school activities, or daily commuting, this removes the hesitation around treatment costs if an accident occurs.
Core Coverages That Matter in Real Life
01
Accidental Death & Permanent Disablement
At its foundation, PremierUltra PA pays a lump sum benefit in the event of accidental death or permanent disablement, with sum insured options up to RM1 million, depending on the selected plan.
This provides:
- Immediate financial breathing room for families
- Funds to clear or service loans
- Support for lifestyle adjustments following permanent injury
02
Renewal Bonus That Increases Protection Over Time
PremierUltra PA includes a renewal bonus, increasing the sum insured by 10% annually, up to 120%, if no claims are made.
This means your coverage increases over the years as your responsibilities grow, without you having to upgrade or change your plan all the time.
03
Medical Expenses for Accidents (Including Dengue & Covid-19)
Medical expenses related to accidents are covered, including:
- Emergency treatment
- Follow up care
- Hospitalisation
Accident-related treatment for illnesses such as dengue fever and Covid-19, where applicable under the policy terms.
04
Cashless Hospital Admission
PremierUltra PA allows cashless hospital admission of up to RM5,000 at panel hospitals for accident related treatment.
For families, this means:
- Faster admission
- Less out of pocket payment upfront
- Less stress during emergencies
05
Weekly Income & Hospital Allowances
Accidents don’t just create medical bills, they also interrupt income.
PremierUltra PA offers:
- Daily hospital cash allowance
- Weekly nursing care allowance
- Optional weekly benefits for temporary total or partial disablement
These benefits help offset:
- Lost wages
- Extra caregiving costs
- Household expenses that don’t pause during recovery
Covering the “Hidden” Costs of Accidents
PremierUltra PA also includes multiple secondary benefits that are often overlooked:
- Ambulance fees
- Dental correction and corrective cosmetic surgery after accidents
- Prosthesis or wheelchair support
- Travel allowance for treatment
- Funeral expenses and repatriation costs
- Personal liability protection for third party injury or property damage
These features acknowledge a simple reality: accidents create other costs, not just hospital bills.
Who Is PremierUltra PA Most Suitable For?
PremierUltra PA is particularly relevant for:
- Primary income earners managing housing and car loans
- Dual income families where one partner handles childcare and household logistics
- Parents with school going children active in sports and outdoor activities
- Households supporting elderly parents, where falls and recovery time can be costly
- Self employed professionals, where income stops immediately after injury
A Practical Starting Point for Families
Ask this question for a start:
“If someone in your household has a serious accident tomorrow, what would the first three to six months realistically cost you?”
That number helps determine:
- Appropriate sum insured
- Need for weekly income benefits
- Whether a family plan makes more sense than individual policies
Personal Accident insurance isn’t about worst case fears.
It’s about protecting your daily life, keeping everything moving even when something unexpected happens.
Learn more about how PremierUltra PA can help keep your family financially steady when accidents happen.
Tokio Marine AutoPro
For more information
The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact TMIM or PIDM (visit www.pidm.gov.my).
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