ALLIANZ SHIELD PLUS

Comprehensive
personal accident plan
for speciality occupation

Allianz General Insurance Company (Malaysia) Berhad 200601015674 (735426-V)

Licensed under the Financial Service Act 2013 and regulated by Bank Negara Malaysia
A PIDM member
The benefit payable under eligible product is (are) protected by PIDM up to limits.
Please refer to PIDM’s TIPS Brochure or contact Allianz General Insurance Company (Malaysia) Berhad
or PIDM (visit www.pidm.gov.my)
ALLIANZ SHIELD PLUS ALLIANZ SHIELD PLUS
Occupations covered:

powered up
cover Fireman Law enforcement officer
excluding army/military

Accidents happen when we least expect them to. The loss of

income and the ever-piling bills arising from serious accidental
injuries could become financially burdensome for our loved ones,
even more so in the event of death. The stresses of daily life may
have gradually led us to forget the importance of enjoying and
appreciating every moment of our lives.

With Allianz Shield Plus powered up coverage, you can live your
life with complete peace of mind.

Racing driver Police

Why Allianz Shield Plus?

Comprehensive Coverage Fast-tracked Renewal Bonus

Be prepared for life’s uncertainties Enjoy up to *20% increase on
with our comprehensive personal your Principal Sum Insured
accident plan with add-on upon yearly policy renewal.
benefits suiting your needs.

*Terms and conditions apply. Person engaged in

Oil rig worker
demolition of building
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Schedule of benefits Description of benefits

Occupations with exposure to highly hazardous conditions, manual work and Allianz Shield Plus is designed to provide you and your loved ones with
use of heavy machinery. nineteen (19) Primary Benefits should the unexpected happen.

Sum Insured (RM)

Accidental Death or Permanent Disablement
Benefits Plan 1 Plan 2
Pays the Principal Sum Insured in the event of accidental death or
Principal Sum Insured for Accidental Death permanent disablement.
60,000 120,000
or Permanent Disablement (up to)
Medical Expenses (up to) 3,500 4,500
Medical Expenses (include Cashless Hospital Admission and
Alternative Medicine (up to) 350 400 Discharge)
Blood Transfusion 20% of Principal Sum Insured Hospital Admission Guarantee (up to RM2,500) at any
Dental Correction and/or Corrective participating hospital in Malaysia and within the Asia Pacific
5,000
Cosmetic Surgery (up to) countries if such hospitalization is required due to an accident.
Hospital Income (per day/max. 180 days) 85
Asia Pacific countries: Australia, Bangladesh, Brunei, Cambodia, China, Hong Kong,
Renewal Bonus up to 100% of Principal Sum Insured India, Indonesia, Japan, Laos, Macau, Myanmar, Nepal, New Zealand, Pakistan,
Papua New Guinea, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam.
Permanent Impotency or Infertility 20% of Principal Sum Insured
10,000 for expense and
Kidnap
50,000 for reward Alternative Medicine
Ambulance Fee (up to) 500 Reimburses the costs for alternative medicine treatment incurred
Funeral Expenses 5,000
as a result of an accident.

Bereavement Allowance 20% of Principal Sum Insured

Personal Liability (up to) Three times of Principal Sum Insured
Blood Transfusion
Pays 20% of the Principal Sum Insured if the Insured Person
Mobility Expenses (up to) 2,000
contracts Human Immunodeficiency Virus (HIV) as a result of a
Repatriation Expenses (up to) 20,000 blood transfusion whilst undergoing medical treatment for injury
Miscarriage (due to accident) 2,000 in a hospital within Malaysia. This benefit is payable only if the
Insured Person is positively diagnosed with HIV within two (2)
Compassionate Care (up to) 10,000 years from the date of the blood transfusion.
Snatch Theft or Attempted Snatch Theft 600
Double Indemnity (whilst travelling in a public Two times of Principal Sum Insured Dental Correction and/or Corrective Cosmetic Surgery
transport or whilst travelling overseas) together with Renewal Bonus Pays for expenses incurred for dental correction and/or corrective
Age 50 years and below 336 546 cosmetic surgery on the neck, head or chest (navel up) following
Annual
injuries sustained as a result of an accident.
Premium (RM) Age 51 years to 80 years 503 818

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Hospital Income Kidnap

A daily benefit is payable for the period of hospitalisation as a Pays a lump sum of RM10,000 for necessary expenses incurred
result of an accident, up to a maximum of one hundred and eighty to recover the Insured Person. The Company will also offer a
(180) days. reward of RM50,000 for information leading to the recovery of
the Insured Person provided that the Insured Person is alive at
This benefit is only triggered if the Insured Person is hospitalised the time of recovery. After one year from the date of the reported
for more than twelve (12) hours due to an accident. kidnapping, the disappearance will be considered a death claim.

Ambulance Fee
Renewal Bonus
Reimburses the charges incurred for necessary ambulance
Upon renewal of Policy, the Principal Sum Insured shall be
services rendered in Malaysia as a result of an accident.
increased by:
(a) twenty percent (20%) per year up to a maximum of one
Funeral Expenses
hundred percent (100%) for Insured Persons between the
ages of thirty (30) days and forty (40) years; or Pays a lump sum amount for funeral expenses in the event of
accidental death.
(b) ten percent (10%) per year up to a maximum of one hundred
percent (100%) for Insured Persons aged forty-one (41) years Bereavement Allowance
and above.
Pays 20% of the Principal Sum Insured in the event of death
due to dengue, zika virus, malaria, japanese encephalitis or
regardless of any claims made under Medical Expenses, Blood
chikungunya upon submission of documents required by the
Transfusion, Dental Correction and/or Corrective Cosmetic
Company.
Surgery, Weekly Benefits, Hospital Income, Kidnap, Ambulance
Fee and Personal Liability.
Personal Liability
Renewal Bonus will begin anew if any claims are made under The Company will indemnify the Insured Person in respect of all
Permanent Disablement, Double Indemnity and Double sums legally liable to pay third parties in respect of accidental
Indemnity in the event of Motor Vehicle Accident benefits. bodily injury or accidental damage to property. The territorial
limit of this benefit is within Malaysia only.

Permanent Impotency or Infertility

Mobility Expenses
Pays 20% of the Principal Sum Insured if the Insured Person suffers
permanent impotency or infertility as a result of an accident. If the Insured Person suffers permanent disablement due to
an accident, the Company shall reimburse the Insured Person,
up to the limits stipulated in the Schedule, the actual costs
of purchasing medical equipment provided always that such
medical equipment is necessary to assist the mobility of the
Insured Person and are recommended by the attending Medical
Practitioner.

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Repatriation Expenses
The Company will reimburse the actual amount incurred, up to
Optional benefits
the amount specified in the Schedule in transporting the Insured The following optional benefits can be added to your Allianz Shield Plus
Person’s mortal remains back to his/her home country in the primary plan with additional premium paid for optimum financial preparedness
event of accidental death while travelling outside his/her home against any life hiccups that may temporarily disrupt your current lifestyle.
country.

Weekly Benefit
Miscarriage
Pays RM2,000 per accident in the event the Insured Person
suffers a miscarriage as a result of an accident.
Pay up to fifty-two (52) weeks if you are totally unable to attend work
as certified by a Medical Practitioner.

Compassionate Care Plan 1 Plan 2

(i) Reimbursements of up to RM10,000 for reasonable travelling Limit per week (RM) 50 50
and accommodation expenses incurred by one (1) family
member to take care and/or accompany the Insured Person Annual Premium with Weekly Benefit (RM)
who is a minor, during the period of hospitalisation, as a result
of an accident. Age 50 years and below 400 610
Age 51 years to 80 years 600 915
(ii) Pays a lump sum of RM10,000 in the event that the Insured
Person gives birth to a baby or babies with birth defects
caused by the zika virus as certified by a Medical Practitioner.

Double Indemnity in the event of Motor Vehicle Accident

Snatch Theft or Attempted Snatch Theft
Pays a lump sum of RM600 subject to a police report being
lodged. Police report to be made within twenty four (24) hours of In the event the Insured Person suffers death, total paralysis from the
the Snatch Theft or Attempted Snatch Theft occurrence. neck down or permanent total loss of use of two (2) limbs more limbs
due to a Motor Vehicle Accident, whether as a pedestrian, passenger,
pillion or driver/rider, this benefit together with Renewal Bonus, if any,
shall be doubled.
Double Indemnity
In the event the Insured Person suffers death, total paralysis Plan 1 Plan 2
from the neck down or permanent total loss of use of two (2) or Additional Premium (RM) 18 36
more limbs due to an accident whilst travelling as a fare-paying
passenger in a public transport or whilst travelling in overseas, Note: If the Double Indemnity of this Policy is also payable, the Insured Person
the Principal Sum Insured payable under the relevant death or is only entitled to claim either the Double Indemnity or this Double Indemnity
in the event of Motor Vehicle Accident only.
permanent disablement benefits together with Renewal Bonus, if
any, shall be doubled.

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24 Hours International and Domestic Medical Lifestyle and Living Benefits

Assistance and Evacuation Programme

1. Medical evacuation; Sum Insured (RM)

Benefits
Plan A Plan B Plan C Plan D Plan E
2. Medically supervised repatriation;
3. i Repatriation of mortal remains (up to RM25,000 per event) Smart Device Protection i

Compensation in the event of loss

4. Visit to bedside by a relative (up to RM5,000 per event)
i
or damage to the Insured Person’s
1,000 2,000 3,000 4,000 5,000
5. iReturn of children travelling with the Insured Person Smart Device due to forcible break-
in or Snatch Theft or Attempted
(up to RM2,500 per event)
Snatch Theft.
6. ii
Despatch of medication not available locally
Online Purchase Protectioni
7. Medical Monitoring and Emergency Message Transmission;
Compensates the purchase price
8. Medical referral and arrangement of medical appointments; for loss of any goods purchased 300 500 800 1,000 1,500
9. Tele-medical consultation and evaluation of the Insured’s from fake websites/applications or
condition; non-delivery of purchased goods.

10. Emergency message relay; Credit Card and Loan Indemnity

11. Legal referral; Reimburses the amount the Insured
Person is required to pay for his/
12. Referral to interpreter/translator; her credit card, hire-purchase, 1,000 2,000 3,000 4,000 5,000
13. Visa, passport and inoculation requirements; mortgage or personal loan if
he/she is hospitalised due to an
14. Location of lost items. accident.

Loss of Sports Equipmenti

Plan 1 & 2 Additional Premium (RM) Compensates for the loss of Insured
Up to RM2,000,000 RM15 Person’s sports equipment due to 500 1,000 1,500 2,000 2,500
forcible break-in or Snatch Theft or
Notes: Attempted Snatch Theft.
1. All medical evacuation and/or repatriation will be carried out under constant medical Missed Event
supervision up to RM2,000,000 per person per event.
Reimburses the Insured Person’s
2. i These services are only available to the Insured Person whilst he/she is travelling outside tickets/registration fee/entrance
Malaysia. fees for concerts, movies, theme
300 350 400 450 500
3. ii Up to USD1,000 if the Insured Person is outside Malaysia and up to RM1,000 if he/she is parks, amusement parks or
in Malaysia. sporting events if the Hospital
Income benefit is payable under
the Policy.

Nursing Care
Reimburses the cost of nursing
500 1,000 2,000 3,000 4,000
care incurred following hospital
discharge due to an accident.

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Sum Insured (RM)

Benefits Study Interruption Benefit
Plan A Plan B Plan C Plan D Plan E

Lifestyle Modification Expenses

Reimburses one (1) semester fee if the Insured Person is hospitalised
Reimburses the cost of due to an accident or in the event of the death of the sponsor due
modification to the Insured to accident, as well as transportation cost to return home to visit
Person’s home and/or motor 5,000 10,000 20,000 25,000 30,000 an immediate family member who is hospitalised or dies due to an
vehicle if 50% or more of the accident.
permanent disablement benefit
is payable.
Sum Insured (RM)
Benefits
Rehabilitation Expenses Plan A Plan B Plan C Plan D Plan E
Reimburses the cost of
consultation and medical Injury to the Insured Person
treatment incurred following 1,000 2,000 3,000 4,000 5,000
hospital discharge if the Insured Death of Sponsori (due to accident) 10,000 20,000 30,000 40,000 50,000
Person requires rehabilitation
due to an accident. Transportation Expensesii (sublimitiii)

Housekeeping Services Additional Premium (RM) 16 32 48 64 80

Reimburses the cost of
housekeeping services after 300 350 400 450 500 Notes:
Insured Person’s discharge from
1. The details of one (1) named sponsor aged between eighteen (18) and seventy (70) years
i
hospital following an accident.
must be provided at the time of application of insurance and/or renewal.

Additional Premium (RM) 47 70 94 118 141 2. ii

This benefit is limited to two (2) claims during the period of insurance.
3. Transportation Expenses is subject to a sublimit of RM1,000, RM2,000, RM3,000, RM4,000
iii

and RM5,000 for Plans A to E respectively.

Notes:
1. i
This benefit is limited to two (2) claims during the Period of Insurance. 4. The Study Interruption Benefit is only applicable to the Insured Person who is a registered
full-time student at an educational institution and will not be applicable in the event the
2. Refer to policy wordings for the full features and terms and conditions.
Insured Person has completed his/her studies at any time during the period of insurance.

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Extended coverage General Notes

We understand that life may throw you a curveball. Allianz Shield Plus goes 1. Only Death and Permanent Disablement Benefits will be payable should
the extra mile to provide you with extended benefits to ensure your protection the Insured Person be away from Malaysia for more than ninety (90)
is assured. Subject to the terms, exclusions, provisos and conditions, the cover consecutive days.
provided shall be extended to the circumstances provided outlined below.
This condition is not applicable to Optional Benefits – Lifestyle and Living
Benefits and Study Interruption Benefit.

2. Eligibility Age: From thirty (30) days up to the age of sixty-five (65) years.
Renewable up to the age of eighty (80) years.

Motorcycling Strike, riot and Hijacking Unprovoked Suffocation 3. Only Insured Person aged between sixteen (16) and sixty-five (65) years
risk civil commotion murder and through smoke, are eligible to opt for Optional Benefits – Lifestyle and Living Benefits and
assault fumes and Study Interruption Benefit.
poisonous gas
4. In the event you opt for Automatic Renewal (for Individual Policy only),
subject to the terms and conditions of your Policy and payment of premium
due, your Policy shall be renewed on each anniversary upon expiry unless
the Policy is terminated.

Hunting and Intoxication Flood, Poisonous Water sports 5. Premium is further subject to 8% Service Tax and RM10 Stamp Duty
mountaineering by drugs or windstorm and food or drink payable on the Contract of Insurance.
(without the use of alcohol (within earthquake
ropes or guides) the legal limit)
6. The Service Tax (“ST”) amount herein may be subject to change as the ST
rate applied shall be based on the prevailing rate(s) in accordance with the
laws of Malaysia.

Underwater Amateur sports Accidental Insect, snake

activities/scuba
Polo playing
and bungee (except martial drowning or and animal Exclusions
diving (up to 50 jumping arts and boxing) near drowning bites
metres) War, civil war, AIDS, insanity, childbirth, provoked murder or assault, aerial
activities, martial arts, racing, radiation, nuclear weapons material.
Note: This list is non-exhaustive. Please refer to the Policy for the full list of exclusions.

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Frequently Asked Questions insurance or indemnity. You may be eligible due to injuries or disabilities
arising out of duties of employment or profession that is covered under any
other insurance contract e.g. Employee Benefits Scheme or Social Security
Protection (SOCSO).
1. How much premium do I have to pay?
The total premium amount varies depending on your occupation category, 5. I travel to different countries often for business and at times for leisure.
plan chosen and age group. Under Speciality Occupation, you can choose What if I meet with an accident outside Malaysia?
from two (2) plans, each with premiums ranging from RM336 to RM818. You You can rest assured, our Policy offers worldwide coverage. Your claim will
also have the option to enhance your coverage with extra benefits through be paid even if you meet with an accident overseas. You may be able to
add-ons, which comes with additional premium. claim Medical Expenses, Hospital Income, Snatch Theft and Attempted
Snatch Theft, and many other benefits.
2. In the event of an accident, what can I claim under Medical Expenses?
You can claim for hospitalisation, clinical, medical and surgical treatments, 6. How will I be entitled for Renewal Bonus?
and the cost for obtaining medical/specialist/post-mortem reports. Each time You renew the Policy, provided no claims made under Permanent
Disablement, Double Indemnity and Double Indemnity in the event of Motor
3. Where can I find the Permanent Disablement Scale of Compensation? Vehicle Accident benefits, Your Principal Sum Insured will be increased by
Here are some examples of the Permanent Disablement and percentage 20% (for those aged thirty (30) days to forty (40) years) or 10% (for those
payable: aged forty-one (41) years and above); subject to a maximum of 100%.
Description of Loss % of Principal Sum Insured
Loss of both hands or of all fingers and both thumbs 100%
Injury resulting in being permanently bedridden 100% This brochure is valid from 1 March 2024.
Loss of four fingers and thumb of one hand 50% This brochure is not a Contract of Insurance. The description of the available cover
is only a brief summary for quick and easy reference. The precise terms, benefits,
Loss of four fingers 40% conditions and exclusions that apply are stated in the Policy.

For detailed information on the Permanent Disablement Scale of

Compensation, you can refer to the policy wording available on our
corporate website.

4. I already have life insurance and health insurance policy, why do I still
need to buy Allianz Shield Plus?
Life insurance offers death benefit to your nominee in case you pass
away. Health insurance provides compensation and/or reimbursement of
hospitalisation and other medical expenses. Allianz Shield Plus (ASP), on
the other hand, protects against the financial risk that could arise due to
accidental permanent disablement or accidental death of an earning family
member. In brief, ASP is essential as it strengthens your financial portfolio
securing the future of dependent family members against unforeseen
events. The ASP benefits are payable irrespective of any other

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Navigating your accident

claim with Allianz
What to do when you have an accident?
1 2
Prioritise your Capture the details
well-being

Provide documents such as:-

• A short description • For death claim, provide
If an unfortunate of the Accident. the death certificate and
incident occurs, • For claim on injury postmortem report (if any).
prioritize your and/or disablement, • For motor vehicle
wellbeing and seek provide your accidents, provide your
immediate medical medical report driving license (if you are
attention if needed. and medical leave the driver) and a police
certificates (if any). report.
*Important note: The information required above is only a guide and we reserve
our right to request for further documentations as and when necessary.

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Notify Allianz Keep track of expenses

• Download MyAllianzApp, register and Retain all original receipts

follow the guide to make your claim. for any costs incurred. This
• Contact your servicing agent to get advice will help streamline the claims
and guidance. process and ensure that you
• Contact Allianz Customer Service at are appropriately reimbursed.
1 800 225542 to get help.

Allianz Commitment to our Customers:

From the receipt of your notification and completed documents, the claim shall be paid
within 7 working days.

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Allianz General Insurance Company (Malaysia) Berhad
200601015674 (735426-V)

Allianz Customer Service Centre

Allianz Arena
Ground Floor, Block 2A, Plaza Sentral
Jalan Stesen Sentral 5, Kuala Lumpur Sentral
50470 Kuala Lumpur.
Allianz Contact Centre: 1 300 22 5542
Email: customer.service@allianz.com.my
AllianzMalaysia
allianz.com.my
AZ05/24