Public Bank Berhad | Personal Banking

Keep you protected at all times from the unexpected and ease you from the financial burden arising from an accident.

(This is a Personal Accident Insurance Product)

AIA General Berhad is a member of Perbadanan Insurans Deposit Malaysia.
The benefit(s) payable under eligible policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System ("TIPS") Brochure or contact AIA General Berhad or PIDM (visit www.pidm.gov.my).

PB Golden Care is an insurance protection plan which provides compensation in the event of injury, dismemberment or death caused solely by violent, accidental, external and visible means.

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?

Accident Medical Treatment Benefit allows the insured to be reimbursed for the medical treatment expenses incurred within 365 days from the date of accident.
Broken Bones & Dislocation Benefit is payable if the insured suffers from bone fractures or dislocation within 90 days from the date of accident.
Mobility Aid Benefit allows the insured to be reimbursed for the mobility aid equipment expenses incurred if the insured suffers from bone fractures or dislocation within 90 days from the date of the accident.
Traditional & Complementary Treatment Benefit allows the insured to be reimbursed for the treatment expenses by an acupuncturist, bonesetter, chiropractor and/or osteopath incurred within 90 days from the date of the accident.
Accidental Death and Dismemberment Benefit is payable if the insured passes away or suffers dismemberment within 365 days from the date of accident.
Easy and Simple Enrolment Process where no medical examination is required.
Convenient Premium Payments via auto debit from your credit card/debit card/Public Bank Savings account.

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.

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

To find out more, please contact Public Bank at +603 - 2170 8000.

+603-2170 8000

Eligibility

Entry Age

Minimum Age
- Insured - 45 years old (last birthday)
Maximum Age
- Insured - 72 years old (last birthday)

Coverage Term

Up to age 85 years old (last birthday)

Table of Benefits

Plan Types

There are 3 affordable plans with different benefit amounts. Please refer to the Table of Benefits below.

Benefits	Plan 1	Plan 2	Plan 3
Accident Medical Treatment Benefit¹	Up to RM5,000 per year	Up to RM7,000 per year	Up to RM10,000 per year
Broken Bones & Dislocation Benefit^{2, 3}	Up to RM20,000 per year	Up to RM25,000 per year	Up to RM35,000 per year
Mobility Aid Benefit³	Up to RM300 per year	Up to RM400 per year	Up to RM500 per year
Traditional & Complementary Treatment Benefit⁴	Up to RM100 per visit Subject to maximum of RM1,000 per year
Accidental Death & Dismemberment Benefit²	RM50,000

Notes:

¹This benefit also extends to cover dengue fever and food poisoning.
²Please refer to the Schedule of Indemnities in the policy contract for broken bones & dislocation and death & dismemberment covered in your plan and the percentages of the benefit amount applicable for each type of event.
³This benefit is only claimable provided that the insured has first consulted a registered medical practitioner and produced a proof of bone fractures and/or dislocation by X-ray.
⁴Traditional & Complementary Treatment shall mean acupuncture, bone setter treatment, chiropractic therapy & osteopathy. This benefit is only claimable provided that the insured has first consulted a registered medical practitioner and produced a proof of bone fractures by X-ray (if required by AIA General Berhad).

The duration of coverage term is for 1 year. If you wish to be covered further, you need to renew your insurance coverage annually.

What Are The Major Exclusions For The Product?

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

What If I Change My Mind About This Coverage?

You can call the AIA Customer Service Hotline at 1-800-18-1464 to cancel your policy over the phone before the policy contract is issued. Alternatively, you may cancel your policy at any time by submitting a written notice to AIA General Berhad.

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PB Golden Care Product Disclosure Sheet
Bahasa Malaysia English

This insurance product is underwritten by AIA General Bhd., licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.
Contact Details: AIA General Bhd, 201001040438 (924363-W) Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur, P.O. Box 10846, 50927 Kuala Lumpur

Distributed by:

PB Golden Care

Keep you protected at all times from the unexpected and ease you from the financial burden arising from an accident.

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