The Uni Personal Accident (PA) insurance plan provides comprehensive protection for the most unexpected moments of your life. You will never know when you need assistance upon the event of death or injuries resulting from an accident. The Uni PA offers to give you the right kind of protection you need.
   
- Uni PA is a supplementary accidental rider
- Follows the basic plan up to a maximum expiry age of 70
- Has level premium throughout premium term
- Issue age, nearest birthday:
  Minimum age at entry: 1 year old
  Maximum age at entry: 65 years old
- Sum Assured limit:
  Minimum: RM10,000/-
  Maximum:
  Ages 16-65: Five times the sum assured of basic policy up to maximum of RM500,000/-.
  Ages 1- 15:Two times the sum assured of basic policy up to a maximum of RM50,000
 
• Extended Coverage
  This accident rider provides benefits for death or injuries resulting from an accident. Coverage is also extended to accidents arising from riot and civil commotion (RCC).
   
 
  Total and Permanent Disablement of:
 Percentage of Principal Sum
(a) Loss of Life 100%
(b) Total & Permanent Disablement of: 100%
  (1) Total and Permanent Disablement of: 100%
  (2) Loss of use of both hands or of all fingers and both thumbs 100%
  (3) Total and permanent loss of sight of one or both eyes 100%
  (4) Total paralysis 100%
  (5) Injuries resulting in being permanently bedridden 100%
  (6) Any other injury causing permanent total disablement 100%
  (7) Loss of use of hand at wrist 100%
  (8)
Loss of use of arm - at shoulder
  - between shoulder and elbow
  - at an below elbow
100%
    100%
    100%
  (9)
Loss of use of let - at hip
  - between knee & hip
  - below knee
100%
    100%
    100%
  (10) Loss of finger by severance  
   
  - four fingers & thumb of one hand
  - four fingers of one hand
50%
    40%
  (11) Loss of thumb by severance  
   
  - both phalanges
  - one phalanx
25%
    10%
       
  Total and Permanent Disablement of: Percentage of Principal Sum
  (12) Loss of finger by severance  
   
  - three phalanges
  - two phalanges
  - one phalanx
15%
    10%
    5%
  (13) Loss of middle finger severance  
   
  - three phalanges
  - two phalanges
  - one phalanx
10%
    7%
    3%
  (14) Loss of ring finger by severance  
   
  - three phalanges
  - two phalanges
  - one phalanx
10%
    7%
    3%
  (15) Loss of little finger by severance  
   
  - three phalanges
  - two phalanges
  - one phalanx
10%
    7%
    3%
  (16) Loss of metacarpals by severance  
   
  - first or second (additional)
  - third, fourth or fifth (additional)
3%
    2%
  (17) Loss of toes by severance  
   
  - all
  - great, both phalanges
  - great, one phalanx of any other toes
15%
    5%
    2%
  (18) Loss of Hearing  
   
  - both ears
  - one ears
75%
    20%
  (19) Loss of Speech 50%
       
• Temporary Disability Indemnity (Optional) - (Not applicable for ages 1-15)
  (Provided that no loss under item (a) has occurred & injury must last at least one week)
   
  Weekly Indemnity will be payable in the event of:
 
(a) Temporary, Total and Continuous disability, preventing the life assured from the date of accident from performing any and every duty of his occupation
(b) Temporary Partial and Continuous Disability, preventing the life assured from the date of accident or immediately following total disability under item 2.2(a) above from performing one or more duties of his occupation.
   
• Temporary Disability Indemnity (Optional) - (Not applicable for ages 1-15)
 
If as a result of accidental injury or injuries, the rider shall reimburse the medical expenses incurred for the treatment of the said injuries.