Public Bank Berhad | Personal Banking

PB Lifestyle PA provides compensation for you and your spouse should the unfortunate happen.

(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 Lifestyle PA is a personal accident insurance plan which provides compensation in the event of injury, disability or death caused solely by an accident. On top of that, it also provides lifestyle benefits as well as reward for continuous policy renewal. You have an option to extend this plan to your spouse with additional premium.

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 spouse benefit from this plan?

Accidental Death Benefit is payable if the insured person passes away within 365 days from accident date.
Accidental Death due to Road Traffic Accident or Accidental Death in Public Conveyance Benefit is payable if the insured person passes away within 365 days accident date caused by road traffic accident or in public conveyance.
Accidental Death on National Public Holidays is payable if the insured person passes away within 365 days from accident date on a National Public Holiday.
Accidental Death due to Natural Disaster is payable if the insured person passes away due to an accident caused by a natural disaster.
Accidental Living Benefit is payable if the insured person sustains any one of the following Total and Permanent Disability (TPD) within 365 days from accident date.
- 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.
Accident Medical Treatment Benefit is payable if the insured person requires medical treatment in Malaysia due to an accident that occurs in Malaysia.
Accident Medical Treatment in Overseas Benefit is reimbursable if the insured person requires medical treatment outside Malaysia due to an accident that occurs outside Malaysia.
Lifestyle Benefit
- Smart Device Protection is payable in the event the insured person loses their smart device to a break-in or snatch theft.
- Online Purchase Protection is payable if the insured person loses of any goods purchased from a fake website/application or loss of any good puchased is not compensated.
- Missed Event is payable for pre-booked event(s) for which the insured person has paid but was unable to attend due to the insured person is admitted and confined in hospital due to an accident.
Renewal Rewards is given upon policy renewal starting from 2nd policy year, with up to 30% premium discount on renewal premium (before discount).
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 customer via its insurance program with AIA General Berhad 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 & Spouse - 18 years old (last birthday)

Maximum Age
- Insured & Spouse - 60 years old (last birthday)

Coverage Term

Insured & Spouse - Up to age 85 years old (last birthday)

Table of Benefits

Plan Types

There are 4 plans with different benefit amount.
Please refer to the popup table below.

BENEFITS	AMOUNT OF BENEFIT (RM)
BENEFITS	Plan 1	Plan 2	Plan 3	Plan 4
Accidental Death Benefit	300,000	500,000	700,000	1,000,000
Accidental Death due to Road Traffic Accident or Accidental Death in Public Conveyance Benefit	300,000	500,000	700,000	1,000,000
Accidental Death on National Public Holidays	300,000	500,000	700,000	1,000,000
Accidental Death due to Natural Disaster	300,000	500,000	700,000	1,000,000
Accidental Living Benefit	300,000	500,000	700,000	1,000,000
Accident Medical Treatment Benefit¹ (per accident)	Up to 5,000	Up to 5,000	Up to 5,000	Up to 5,000
Accident Medical Treatment in Overseas Benefit² (per accident)	Up to 10,000	Up to 10,000	Up to 10,000	Up to 10,000
Lifestyle Benefits
(i) Smart Device Protection (2 events per policy year)	Up to 250 per event	Up to 500 per event	Up to 1,000 per event	Up to 2,000 per event
(ii) Online Purchase Protection (2 events per policy year)	Up to 150 per event	Up to 300 per event	Up to 650 per event	Up to 1,000 per event
(iii) Missed Event (2 events per policy year)	Up to 150 per event	Up to 300 per event	Up to 650 per event	Up to 1,000 per event
Renewal Rewards	10% of renewal premium (before discount) from the 2^nd policy year, up to a maximum of 30%

Notes:

¹Cashless admission is provided up to the amount of benefit of Accident Medical Treatment Benefit. AIA General Berhad guarantees the insured person cashless admission for hospitalisation in Malaysia as a result of an injury up to the benefit amount payable under Accident 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 person from the same hospital provided all items in the hospital bill are covered under Accident Medical Treatment Benefit. Care Card will be available in AIA+ app.
²This benefit is only applicable if the medical treatment is sought outside Malaysia and the insured person resides or travels outside Malaysia for not more than ninety (90) consecutive days prior to the date of accident.

Insured has an option to extend this plan i.e. Plan 1, Plan 2 or Plan 3 to his/her spouse with additional premium.
The duration of coverage term is for one (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?

War or warlike operations (whether war be declared or not)
Insured serving in armed forces
Violation or attempt of violation of the law
Suicide or intentional self-injury
Mental or nervous disorders
Use of drugs/narcotics of any kind
Pre-existing conditions
Childbirth, pregnancy or miscarriage
Congenital defects
Bacterial, viral and fungal infections
Medical or surgical treatment (except those necessitated by injuries covered by this plan)
Any kind of disease, sickness or Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS)
Professional sports
Racing of any kind
Any hazardous activity

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 coverage at any time by submitting a written notice to AIA General Berhad.

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PB Lifestyle PA Product Disclosure Sheet
Bahasa Malaysia English

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

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PB Lifestyle PA

PB Lifestyle PA provides compensation for you and your spouse should the unfortunate happen.

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