What is UniqCare PA insurance?

It is a unique and affordable personal accident insurance plan for Orang Kurang Upaya (OKU). This plan pays you the unexpected personal accident related expenses and give you and your family the financial protection during an unfortunate event.



  • Plan A: Principal Sum Insured RM10,000 
  • Plan B: Principal Sum Insured RM30,000 

Key coverage

Here is an overview of your coverage

Personal Accident Protection

Personal Accident Protection

  • Accidental Death & Permanent Disablement
  • Medical Expenses
  • Ambulance Fees
  • Funeral Expenses
  • Repatriation Expenses
  • Rehabilitation Allowance
  • Travel Allowance
  • Convalescence Expenses



  • Entry age of 16 and cover up to 65 years old
  • Must produce OKU card during enrolment 

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 & allied risks
  • Suicide (whether sane or insane) or any attempt thereat
  • Pre-existing physical or mental defect or infirmity
  • Illness, diseases, infections
  • Childbirth, miscarriage, pregnancy or any other complication thereof
  • Flying as pilot or crew member in any aircraft
  • Criminal acts
  • Professional sports activities of any kind
  • Hazardous sport activities
  • Radioactive and nuclear weapon material accidents
  • Terrorism 
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.