Neucash Personal Accident Insurance is underwritten by and in collaboration with AXA Affin General Insurance Bhd

General Details

Life is unpredictable – you’ll never know when an accident could happen

You may not be able to foresee accidents in the future, but you can always plan ahead. Protect yourself and your loved ones from financial strain if a calamity were to befall you. With the Neucash Personal Accident Insurance plan, you & your family can maintain the lifestyle you want without worry.

Accidental Death
Covers death resulting from accidents
Permanent Disability
Permanent disability due to accident
Bereavement Allowance
Lump sum payment of RM 1,000 per person in the event of an accident.
Benefits Sum Insured 
Annual Premium  RM 300.00
Accidental Death RM 240,000
Permanent Disability RM 240,000
Bereavement Allowance RM 1,000

* Additional RM10 Stamp Duty is payable for each policy

Product Disclosure

This product is applicable to persons aged between 18 – 75 years old.

This product is catered for those persons engaged in professional, administrative, managerial, clerical or non manual occupations whose duties does not involve the use of tools or machinery or expose themselves to any special hazards.


  • Automatic Additions and Deletions
  • Amateur Sports Extension
  • Disappearance & Exposure
  • Drowning
  • Hijacking Extension
  • Kidnapping Clause
  • Loss of Speech
  • Loss Notification (30 Days)
  • Strike, Riot and Civil Commotion – exclude death and injury due to participation in a strike, riot or commotion
  • Snake, Animal & Insect Bites (excluding mosquito)
  • Suffocation through Smokes, Fumes and Poisonous Gas
  • Unprovoked Murder and Assault
  • Electrocution Extension
  • Terrorism Exclusion
  • Death due to strike by lightning extension
  • Intoxication Exclusion (unless for medication reason)
  • Drugs and Substance Abuse Exclusion
  • Flying as a Fare Paying Passenger

General Exclusion:

  • War Radiation or contamination by radioactivity or nuclear weapons material
  • Self-inflicted injury and provoked murder or assault
  • Criminal or illegal activities
  • Nuclear Energy Risks Exclusion Clause
  • War and Civil War Exclusion
  • Sanction Limitation and Exclusion Clause
  • Terrorism Exclusion

For all accidental death or permanent disablement solely and directly occasioned by accidental bodily injury which shall solely and independently of any other cause result in the following:

  • Accidental Death – The capital sum insured
  • Accidental Disablement – The following percentage of the capital sum insured
Description of Disablement Percentage of Capital Sum
Permanent total disablement 100%
Loss of limb 100%
Total loss of sight of both eyes 100%
Total paralysis 100%
Complete and incurable insanity 100%
Loss of hand at or above the wrist 100%
Loss of foot at or above the ankle 100%
Loss of sight in one eye (except perception of light) 50%
Loss of lens of eye 50%
Loss of four fingers and thumb of one hand 50%
Loss of four fingers 40%
Loss of thumb (both phalanges) 25%
Loss of thumb (one phalanx) 10%
Loss of index finger (three phalanges) 10%
Loss of index finger (two phalanges) 8%
Loss of index finger (one phalanx) 4%
Loss of middle finger (three phalanges) 6%
Loss of middle finger (two phalanges) 4%
Loss of middle finger (one phalanx) 2%
Loss of ring finger (three phalanges) 5%
Loss of ring finger (two phalanges) 4%
Loss of ring finger (one phalanx) 2%
Loss of little finger (three phalanges) 4%
Loss of little finger (two phalanges) 3%
Loss of little finger (one phalanx) 2%
Loss of metacarpals (first or second [additional]) 3%
Loss of metacarpals (third, fourth or fifth [additional]) 2%
Loss of toes (all) 18%
Loss of toes (great phalanges) 5%
Loss of toes (great, one phalanx) 2%
Loss of toes (one toe, each) 1%
Permanent loss of hearing (both ears) 75%
Permanent loss of hearing (one ear) 15%
Loss of speech 50%