24-hour worldwide protection for you and your family.
Life doesn't stop at the office door. Our Zurich-backed personal accident plan protects you at home, at work, on the road — anywhere in the world.
Six core benefits
Personal accident insurance pays out when you need it most. No lengthy claims investigations for clear-cut accidental injuries.
Accidental Death
A lump-sum payment to your nominated beneficiary if you pass away as a direct result of an accident. Provides financial security for your family when they need it most.
Permanent Disablement
Compensation based on a scale of disablement (0–100%) if an accident results in permanent loss of function. Helps replace lost income and adapt your lifestyle.
Medical Expenses
Reimburses medical and surgical costs arising from an accidental injury — ambulance fees, hospital charges, specialist consultations, physiotherapy and more.
Daily Hospital Allowance
A daily cash benefit for every day you are hospitalised due to an accident. Helps cover living costs, family travel to visit you, and income shortfalls during recovery.
Family Cover Option
Extend your PA plan to cover your spouse and children under one policy. Family plans offer better value than individual plans for each family member.
Worldwide, 24 Hours
Protection doesn't clock out. Your PA cover follows you — whether you're commuting to work, on a family holiday in Bali, or travelling for business in Europe.
If your income depends on your health, you need PA cover
Personal accident insurance is especially valuable for sole breadwinners, self-employed individuals, and anyone without robust workplace injury benefits. A single accident shouldn't derail a family's finances.
PA insurance is also one of the most affordable types of insurance — annual premiums are typically a few hundred ringgit, providing hundreds of thousands in cover. The cost-to-benefit ratio is difficult to beat.
PA insurance covers accidents only. For illnesses, hospitalisation from sickness, and surgical procedures unrelated to accidents, you need a separate medical card or health insurance. Many Malaysians benefit from having both.
PA insurance vs medical card vs life insurance
Three different products that are often confused. Most Malaysians benefit from a combination, not just one.
| Coverage | PA Insurance | Medical Card | Life Insurance |
|---|---|---|---|
| Accidental death (lump sum) | ✓ | — | ✓ |
| Death from illness | — | — | ✓ |
| Permanent disablement from accident | ✓ | — | Plan-dependent |
| Medical expenses — accident | ✓ | ✓ | — |
| Medical expenses — illness | — | ✓ | — |
| Daily hospital allowance | ✓ | Plan-dependent | — |
| Worldwide 24-hour cover | ✓ | Plan-dependent | Plan-dependent |
| Typical annual premium | Few hundred RM | Higher | Higher |
| Medical underwriting required | Minimal | Yes | Yes |
PA insurance is affordable, accident-only cover. Medical cards handle illness and hospitalisation. Life insurance pays out on death from any cause. Most Malaysians are best protected with PA plus a medical card, at minimum.
Policy wording
Read the full terms and conditions of your Personal Accident policy before you buy.
Common questions about PA insurance
Do I need personal accident insurance if I already have a medical card?
Yes. A medical card covers illness and hospitalisation, but personal accident (PA) insurance pays a lump sum for accidental death or permanent disablement and provides daily hospital income — benefits a medical card does not offer. Most Malaysians benefit from having both.
What does PA insurance cover in Malaysia?
PA insurance covers accidental death, permanent disablement, medical expenses from an accident, and daily hospital income. Zurich-backed WeShield plans also offer worldwide 24-hour protection and optional family cover.
How much does personal accident insurance cost in Malaysia?
PA insurance is one of the most affordable policies available — annual premiums typically range from a few hundred ringgit for coverage of hundreds of thousands of ringgit. Exact pricing depends on your age, occupation and desired sum insured.
What is the difference between PA insurance and life insurance?
PA insurance only pays out for accidents — it does not cover death or disability from illness. Life insurance covers death from any cause, including illness, and is typically more expensive with medical underwriting required.
Can I get PA insurance for my whole family?
Yes. WeShield offers family PA plans that extend cover to your spouse and children under a single policy, which is usually better value than insuring each family member separately.
Is PA insurance compulsory in Malaysia?
No, PA insurance is not legally required in Malaysia (unlike motor insurance). It is a voluntary but highly recommended cover, especially for sole breadwinners, self-employed individuals and anyone without workplace injury benefits.
Get your personal accident quote today.
WhatsApp us with your age, occupation and desired cover amount. We'll come back to you with a Zurich premium within the hour.