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Accident Protection
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    • Xtra Guard PA

    Accident Protection

    Coverage Period

    UP TO 85 YEARS OLD (ADULT PLAN)

    UP TO 23 YEARS OLD (JUVENILE PLAN)

    Entry Age

    16 - 75 years old (ADULT PLAN)

    14 days - 15 years old (JUVENILE PLAN)

    You can buy this via

    AIA life planner

    WHAT IS THIS PRODUCT ABOUT

    Accidents are unpredictable and unexpected. Therefore, it is essential for you to protect yourself against all kinds of accidents.

    Xtra Guard PA is a personal accident plan that takes care of your family and provides a financial safety net in the event of a serious injury, disability, or death due to accident.

    • Product Brochure Product Brochure
    • Product Disclosure Sheet Product Disclosure Sheet
    • SHARE SHARE

    What does it provide?

    • SUPPORT THROUGH THE WORST
      SUPPORT THROUGH THE WORST

      If you suffer losses from permanent total disability due to an accident, you will receive the Double Living benefit to help you cope with the effects of the disability and face the times ahead. 

    • ANNIVERSARY BONUS
      ANNIVERSARY BONUS

      Get up to 100% with the Anniversary Bonus

      if you continue to renew your policy for the first two policy years

    • MEDICAL PROTECTION & ALTERNATIVE TREATMENTS
      MEDICAL PROTECTION & ALTERNATIVE TREATMENTS

      We will reimburse you for medical and surgical expenses, such as inpatient and outpatient treatments caused by an accident. This plan also covers medical expenses provided by an acupuncturist, bonesetter, chiropractor or osteopath, following the injury due to an accident.

    • Weekly Payout (ADULT PLAN ONLY)
      Weekly Payout (ADULT PLAN ONLY)

      Receive a weekly payout for up to one year if you suffer from a temporary total/partial disability to compensate for the loss of income

    • WAIVER OF PREMIUM (juvenile plan only)
      WAIVER OF PREMIUM (juvenile plan only)

      If the policy owner passed away due to an accident or sustains a  Permanent Total Disability, we shall, subject to the terms and provisions, waive the premiums payable under the policy.

    Insurance Lingo Explained

    What does temporary total disability mean?

    This is when you become injured and disabled due to an accident and cannot work for a period of time.

    What does temporary partial disability mean?

    This happens if the injuries sustained during an accident caused you to be disabled and forces you to work at a reduced level while you recover.

    Like what you've read? This is just a summary of our product. If you want more information, you can view our brochure or contact an AIA Life Planner.

    THE TERMS & CONDITIONS AT A GLANCE
    THE TERMS & CONDITIONS AT A GLANCE
    - COLLAPSE + EXPAND
    • You must disclose details such as your occupation, personal interests or hobbies that could affect your risk profile and number of personal accident policies that you have with other insurance companies.
    • After the first premium, a grace period of 31 days from the premium due date is allowed for payment of each premium. The policy will remain active during the grace period. If a loss occurs during the grace period, any unpaid balance of premiums due for the full policy year will be deducted from the proceeds payable under the policy.
    • You must tell us in writing if you change your occupation. We will review your new occupation to see if it falls within the occupation categories covered under this plan.
    • You must give us written notice of a claim within 30 days of the accident that caused your injury. If death occurs, an immediate notice of claim must be given to us.

    Similar Products

    ADD-ON

    A-Plus Accident Shield & A-Plus Total Accident Shield

    Accident Protection

    Boosts your coverage against accidents.

    COMPREHENSIVE

    Flex PA

    Accident Protection

    Takes care of the financial implications should your circumstances change after an accident.
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    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
    AIA Bhd.
    1300-88-1899
    For Overseas Customers
    603 2056 1111
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    1300-88-8922
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    1300-88-1899
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    1300-22-7771
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    1-800-88-8733
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    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
    AIA Bhd.
    1300-88-1899
    For Overseas Customers
    603 2056 1111
    AIA PUBLIC Takaful Bhd.
    1300-88-8922
    AIA General Berhad
    1300-88-1899
    AIA Pension and Asset Management Sdn. Bhd.
    1300-22-7771
    AIA Auto Assist / Roadside Assist
    1-800-88-8733
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