PB Care Plus

PB Care Plus

PB Care Plus provides financial support for you and your family should any unfortunate events happen.

What is PB Care Plus?

PB Care Plus is a Personal Accident protection plan which provides a financial safety net for you and your family in the event of injury, Total and Permanent Disability (TPD) or death caused solely by violent, accidental, external and visible means.

The coverage is extended to the insured’s spouse as well as unlimited number of children. Insured’s spouse and each child are entitled to 50% coverage of each benefit (except for Loan Protector).

This product is created exclusively for Public Bank account holders where payment can be made via credit card/debit card/Public Bank Savings account.

How can you and your family benefit from this plan?

  1. Accidental Death Benefit is payable if the insured, insured’s spouse or child(ren) passes away within 365 days from the date of accident.

  2. Accidental Living Benefit is payable if the insured, insured’s spouse or child(ren) sustains any one of the following Total and Permanent Disability (TPD) within 365 days from the date of accident.
    • Permanent total disability;
    • Permanent total loss of sight of both eyes;
    • Permanent total loss of sight of one eye;
    • Loss of or the permanent total loss of use of two limbs;
    • Loss of or the permanent total loss of use of one limb;
    • Permanent total loss of speech and hearing;
    • Permanent and incurable insanity; or
    • Permanent total paralysis.

  3. Loan Protector allows reimbursement of the outstanding debts or credit liabilities in relation to the credit card(s), overdraft(s), housing loan, private motor vehicle hire purchase loan or personal loan with any banks as at the date of accident if the insured dies or sustains any one of the following Total and Permanent Disability (TPD) within 365 days from the date of accident.
    • Permanent total disability;
    • Permanent total loss of sight of both eyes;
    • Permanent total loss of sight of one eye;
    • Loss of or the permanent total loss of use of two limbs;
    • Loss of or the permanent total loss of use of one limb;
    • Permanent total loss of speech and hearing;
    • Permanent and incurable insanity; or
    • Permanent total paralysis.

  4. Surgical Benefit allows the insured, insured’s spouse and child(ren) to reimburse any surgical fees incurred for surgery within 365 days from the date of accident.

  5. Corrective Dental and Cosmetic Surgery allows the insured, insured’s spouse and child(ren) to reimburse any dental and cosmetic surgery fees incurred resulting from an accident.

  6. Medical Treatment Benefit allows the insured, insured’s spouse and child(ren) to be reimbursed for the medical treatment expenses incurred within 365 days from the date of accident. This benefit also extends to cover 23 infectious disease and food poisoning*.

  7. Renewal Rewards is applicable upon renewal every year on the policy anniversary date. 10% premium discount based on premium payable is applicable upon renewal.

  8. Easy and Simple Enrolment Process where no medical examination is required.

  9. Convenient Premium Payments via auto debit from your credit card/ debit card/ Public Bank Savings account.
 

Features At A Glance

Plan Types There are 3 affordable plans with different benefit amounts.
Please refer to the Table of Benefits below.
Entry Age Minimum Age
• Insured & Spouse – 18 years old (last birthday)
• Child – 4 weeks

Maximum Age
• Insured & Spouse – 60 years old (last birthday)
• Child – 18 years old (last birthday)
(must be financially dependent and / or still studying and not gainfully employed and married)
Coverage Term • Insured & Spouse - Up to age 75 years old (last birthday)
• Child – Up to age 23 years old (last birthday)


Table of Benefits

For Insured
Benefits Plan 1 Plan 2 Plan 3
i) Accidental Death Benefit RM 150,000 RM 200,000 RM 250,000
ii) Accidental Living Benefit RM 150,000 RM 200,000 RM 250,000
iii) Loan Protector Up to RM 15,000 Up to RM 20,000 Up to RM 25,000
iv) Surgical Benefit1(per accident) Up to RM 8,000 Up to RM 12,000 Up to RM 15,000
v) Corrective Dental and Cosmetic Surgery (per accident) Up to RM 8,000 Up to RM 12,000 Up to RM 15,000
vi) Medical Treatment Benefit1(per accident)
Extend to cover infectious disease and food poisoning*
Up to RM 4,000 Up to RM 6,000 Up to RM 10,000
vii) Renewal Rewards 10% of premium payable before tax upon renewal

For Insured Spouse and Child
Benefits Plan 1 Plan 2 Plan 3
i) Accidental Death Benefit RM 75,000 RM 100,000 RM 125,000
ii) Accidental Living Benefit RM 75,000 RM 100,000 RM 125,000
iii) Loan Protector Not applicable
iv) Surgical Benefit1(per accident) Up to RM 4,000 Up to RM 6,000 Up to RM 7,500
v) Corrective Dental and Cosmetic Surgery (per accident) Up to RM 4,000 Up to RM 6,000 Up to RM 7,500
vi) Medical Treatment Benefit1(per accident)
Extend to cover infectious disease and food poisoning*
Up to RM 2,000 Up to RM 3,000 Up to RM 5,000
vii) Renewal Rewards 10% of premium payable before tax upon renewal

Note:

*
Waiting Period of 14 days is applicable to all infectious diseases & food poisoning.
1
Cashless admission is provided up to the amount of benefit of the Surgical Benefit or Medical Treatment Benefit. AIA General Berhad guarantee the insured/insured spouse/insured child(ren) cashless admission for hospitalisation as a result of an injury up to the benefit amount payable under Surgical Benefit or Medical Treatment Benefit. The hospitalisation must be at least 6 consecutive hours within 365 days from the date of accident. AIA General Berhad will also facilitate the discharge of the insured/insured spouse/insured child(ren) from the same hospital provided all items in the hospital bill are covered under Surgical Benefit or Medical Treatment Benefit. Care Card will be available in MY AIA app.

 

What are the major exclusions for PB Care Plus?

The major exclusions are stated as below:

  1. Pre-existing conditions
  2. Bacterial, viral and fungal infections
  3. Any kind of disease or sickness or congenital defects
  4. Medical or surgical treatment (except those necessitated by accidental bodily injuries, food poisoning and infectious disease covered by this plan)
  5. Suicide or intentional self-injury
  6. Childbirth, pregnancy or miscarriage
  7. Professional sports
  8. AIDS or HIV infection
  9. Mental or nervous disorders; under the influence of alcohol or use of drugs/narcotics of any kind
  10. Racing of any kind
  11. Engaging in any hazardous occupation (i.e. divers, deep sea fisherman, miners etc.)
  12. Engaging in any hazardous activities (i.e. hang-gliding, parachuting, gliding, scuba-diving, bungee-jumping, motor-racing, skydiving, mountaineering, rock-climbing etc.)

 

The description, benefits, exclusions, terms and conditions described above have been summarised and are not exhaustive. Details of more complete terms, conditions and exclusions are available in the policy contract.

 

What if I change my mind about this plan?

You can call the AIA Customer Service Hotline at 1-800-181-464 to cancel your policy over the phone before the policy contract is issued. Alternatively, you may cancel your coverage at any time by submitting a written notice to AIA General Berhad.

**This product is specially brought to Public Bank’s customers via its insurance program with AIA General Berhad and is sold through Telemarketing only.

Sign up today and get protected. To find out more, please contact Public Bank’s toll free line at 1-800-22-9999.

 

 Product Disclosure Sheet:

 English version, please click here

 Bahasa Malaysia version, please click here



This plan is underwritten by AIA General Berhad licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

Contact Details:
AIA General Berhad (924363-W) Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur, P.O Box 10846, 50927 Kuala Lumpur.


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