What is PA Lite insurance?

It is a policy which provides 24/7 worldwide coverage that protect you and your family from the unexpected costs due to an unfortunate event.


Plan 1: Principal Sum Insured RM75,000
Plan 2: Principal Sum Insured RM150,000
Plan 3: Principal Sum Insured RM300,000 

Key coverage

Here is an overview of your coverage

Personal Accident Protection

Personal Accident Protection

  • Accidental death & Permanent Disablement
  • Medical Expenses
  • Bereavement Allowance
  • Renewal Bonus of up to maximum 50%



  • Covers specific illness include Dengue, Zika, Malaria & Japanese Encephalitis (JE) for medical expenses and bereavement allowance
  • Age Limit & Eligibility
    • (i) 16 to 70 years old and up to 99 years old for renewal
    • (ii) This policy is applicable to occupation classs 1 and 2 only.

How much is my premium?

Your premium may vary, depending on

  • Plan you had selected
  • Our underwriting requirements

Download our brochures under the Product Literature

Get it now

What we don't cover

This policy does not cover certain losses, such as

  • War and allied risks
  • Suicide (whether sane or insane) or any attempt thereat
  • Illness, diseases, infections
  • Childbirth, miscarriage (except due to motor vehicle accident, refer to Miscarriage due to Motor Vehicle Accident Benefit), pregnancy or any other complications thereof
  • Flying as a pilot or crew member in any aircraft
  • Professional sports activities of any kind
  • Pre-existing physical or mental defect or infirmity
  • Hazardous sports activities 
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is In your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 1 December 2017.

Note: You are advised to note the scale of benefits for death and disablement in your insurance policy. You are advised to nominate a nominee and ensure that your nominee is aware of the personal accident policy that you have purchased. You should read and understand the insurance policy, and at all times, feel free to contact us for more information.