Driver & Passengers Protection and Smart Protection Plus. Product brief October 2017
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1 Driver & Passengers Protection and Smart Protection Plus Product brief October 2017
2 Driver & Passengers Protection (DPP) Based on the previous Driver & Passengers PA (DPPA), enhanced with 9 new benefits It is an Add On to the Private Car insurance policy It is only available via iconnect 3 Sections of benefits o Personal Accident o Car Assistance o Special Extensions for Immediate Family members 3 Plans available Only available to comprehensive policyholders 2 DPP & SPP brief
3 DPP Benefits PA section SCHEDULE OF BENEFITS Driver & Passengers Protection Plan A Plan B Plan C Accidental Death 10,000 50, ,000 Permanent Total Disablement: Loss or loss of use of both hands or both feet 10,000 50, ,000 Loss of sight of both eyes 10,000 50, ,000 Loss of use of one eye and one hand or foot 10,000 50, ,000 Total paralysis (from the neck down) 10,000 50, ,000 Permanent quadriplegia (total loss of use of four limbs) 10,000 50, ,000 Permanent Disablement: Loss or loss of use of one hand or one foot 5,000 25,000 50,000 Loss of sight of one eye 5,000 25,000 50,000 Medical Expenses (Alternative Medical Treatment - Sinseh or traditional treatment) (250) Corrective Cosmetic Surgery Bereavement / Funeral Allowance 500 2,000 (500) 3,000 (750) o Covers driver, passengers and authorized driver in the event of a road accident while travelling in the designated private car o Territorial Limit Malaysia, Singapore and Brunei (Thailand as well if motor cover is extended) o Alternative treatment- limit of RM 50 per day o Corrective Cosmetic Surgery additional expenses incurred for surgery to face, neck, head or chest o Bereavement/Funeral allowance additional allowance given 3 DPP & SPP brief
4 DPP Benefits Car section Car Assistance Driver & Passengers Protection 24 Hour Emergency Towing Unlimited Car Replacement Allowance (Applicable for Own Damage claim, excluding Own Damage - Knock for Knock) 150 per day (Max 450) 150 per day (Max 600) 150 per day (Max 750) Additional Cash Payout in event of total loss or theft up to 6,000 up to 10,000 up to 15,000 Window Snatch Theft (Loss of Personal Belongings due to car window smash and grab) Key Care Cover (Loss of Designated Vehicle key due to theft, robbery or house break-in) ATM Withdrawal Protection (Loss of money due to robbery / snatch theft) 500 up to 2,000 o Unlimited Towing cover the cost of towing of designated vehicle to approved repairer or safe place chosen by customer in event of breakdown or accident o Car replacement allowance daily allowance paid for own damage claims at approved repairer. Excludes windscreen, total loss or Knock for Knock (KFK) claims o Additional Cash Payout - 20% of Sum insured or up to plan limit stated for total loss or theft claims. Pays on top of total loss or theft claim amount. o Window Snatch theft pays RM 500 in event of personal belongings stolen from smash & grab incident whilst driving o Key Care Cover for replacement of car keys due to theft, robbery or House break in. o ATM Withdrawal protection loss of cash due to robbery or snatch theft within 24 hours from time of withdrawal 4 DPP & SPP brief
5 DPP Special extension & Premium Special Extensions for Immediate Family members whilst: boarding, alighting, driving or travelling as a passenger in any private motor car, motorcycles and/or scooters as a pedestrian in an accident involving any road vehicle and railway train o Special coverage for immediate family members spouse & children travelling as a fare paying passenger on any railway train, Monorail, Light Rail Transit (LRT), Mass Rapid Transit (MRT), ferry, boat and/or passenger ship Annual Premium (inclusive of 6% GST) Plan A Plan B Plan C Up to 5 seats seats Additional Seat (above 6 seats) Annual Premium (excluding 6% GST) Plan A Plan B Plan C Up to 5 seats seats Additional Seat (above 6 seats) Commission 10% 5 DPP & SPP brief
6 Smart Protection Plus (SPP) Based on Smart Protection, enhanced with Unlimited towing It is an Add On to the Private Car insurance policy It is only available via iconnect 3 Sections of benefits Personal Accident Unlimited Towing and Window Snatch Theft Special Extensions for Immediate Family members 3 Plans available Available to Comprehensive, Third Party Fire & Theft and Third Party policyholders 6 DPP & SPP brief
7 SPP Benefits PA section SCHEDULE OF BENEFITS Smart Protection Plus Plan A Plan B Plan C Accidental Death 15,000 15,000 30,000 Permanent Total Disablement: Loss or loss of use of both hands or both feet 15,000 15,000 30,000 Loss of sight of both eyes 15,000 15,000 30,000 Loss of use of one eye and one hand or foot 15,000 15,000 30,000 Loss or loss of use of one hand or one foot 7,500 7,500 15,000 Loss of sight of one eye 7,500 7,500 15,000 Medical Expenses (Alternative Medical Treatment - Sinseh or traditional treatment) Car Assistance (250) (250) Smart Protection Plus 2,000 (500) 24 Hour Emergency Towing N/A Unlimited Unlimited Window Snatch Theft (Loss of Personal Belongings due to car window smash and grab) 500 o Covers the policyholder 24/7 Worldwide for Accidental Death and Permanent Disablement o Limits for Plan A & B PA section is the same. Allows customers to purchase SPP Plan A without unlimited Towing o Unlimited Towing cover the cost of towing of designated vehicle to approved repairer or safe place chosen by customer in event of breakdown or accident 7 DPP & SPP brief
8 SPP Special extension & Premium Special Extensions for Immediate Family members whilst: boarding, alighting, driving or travelling as a passenger in any private motor car, motorcycles and/or scooters as a pedestrian in an accident involving any road vehicle and railway train travelling as a fare paying passenger on any railway train, Monorail, Light Rail Transit (LRT), Mass Rapid Transit (MRT), ferry, boat and/or passenger ship o Special coverage for immediate family members spouse & children o Flat premium for any type of private car Annual Premium (inclusive of 6% GST) Plan A Plan B Unlimited towing Plan C Unlimited towing Flat premium (regardless of # of seats) Annual Premium (excluding 6% GST) Plan A Plan B Unlimited towing Plan C Unlimited towing Flat premium (regardless of # of seats) Commission 25% 8 DPP & SPP brief
9 Summary of DPP vs SPP SCHEDULE OF BENEFITS Driver & Passengers Protection Smart Protection Plus Plan A Plan B Plan C Plan A Plan B Plan C Accidental Death 10,000 50, ,000 15,000 15,000 30,000 Permanent Total Disablement: Loss or loss of use of both hands or both feet 10,000 50, ,000 15,000 15,000 30,000 Loss of sight of both eyes 10,000 50, ,000 15,000 15,000 30,000 Loss of use of one eye and one hand or foot 10,000 50, ,000 15,000 15,000 30,000 Total paralysis (from the neck down) 10,000 50, ,000 Permanent quadriplegia (total loss of use of four limbs) 10,000 50, ,000 Permanent Disablement: Loss or loss of use of one hand or one foot 5,000 25,000 50,000 7,500 7,500 15,000 Loss of sight of one eye 5,000 25,000 50,000 7,500 7,500 15,000 Medical Expenses (Alternative Medical Treatment - Sinseh or traditional treatment) (250) 2,000 (500) 3,000 (750) (250) (250) 2,000 (500) Corrective Cosmetic Surgery Bereavement / Funeral Allowance 500 Car Assistance Driver & Passengers Protection Smart Protection Plus 24 Hour Emergency Towing Unlimited N/A Unlimited Unlimited Car Replacement Allowance (Applicable for Own Damage claim, excluding Own Damage - Knock for Knock) 150 per day (Max 450) 150 per day (Max 600) 150 per day (Max 750) Additional Cash Payout (20% of Sum Insured in the event of total loss or theft) up to 6,000 up to 10,000 up to 15,000 Window Snatch Theft Key Care Cover up to 2,000 ATM Withdrawal Protection (Loss of money due to robbery / snatch theft) Special Extensions for Immediate Family members whilst: Driver & Passengers Protection Smart Protection Plus boarding, alighting, driving or travelling as a passenger in any private motor car, motorcycles and/or scooters Yes Yes as a pedestrian in an accident involving any road vehicle and railway train Yes Yes travelling as a fare paying passenger on any railway train, Monorail, Light Rail Transit (LRT), Mass Rapid Transit (MRT), ferry, boat and/or passenger ship Yes Yes 9
10 Summary of DPP vs SPP Additional Information Driver & Passengers Protection Smart Protection Plus Who is covered Driver and Passengers Policyholder / Insured Person What is the coverage Accidental bodily injury arising from named motor vehicle incident Accidental bodily injury Commission 10% 25% Territorial Limit Malaysia, Singapore, Brunei and Thailand (limited) 24/7 Worldwide Line of Business Motor Personal Accident Annual Premium (inclusive of 6% GST) Plan A Plan B Plan C Plan A Up to 5 seats seats Additional Seat (above 6 seats) Plan B Unlimited towing Plan C Unlimited towing Who should buy? Those who want to protect their driver & passengers Travel out of town regularly Do not want to incur additional travelling cost when their car is being repaired Customers who need additional cash to pay downpayment for new car in event of total loss or theft Want to protect more than just the damage to the car Those who want 24/7 worldwide PA cover Travel out of town regularly (Plan B & C for unlimited towing) Motor policy holders concerned with Window snatch theft protection 10 DPP & SPP brief
11 Frequently Asked Questions 1. What is the age limit for DPP & SPP? Age 17 to 75 years old 2. Does iconnect allow the Insured to select/purchase both DPP & SPP? No, Insured can only select either DPP or SPP 3. Can DPP or SPP being extended as well when the period of insurance for motor policy is being extended? Yes, DPP or SPP can be extended and premium will be charged on pro-rate basis 4. Is toll charges covered under the Unlimited Towing benefit? No, toll charges are borne by policyholder 5. Who is covered for Window Snatch Theft and ATM Withdrawal Protection under the DPP? Only the policyholder is covered for these benefits 6. When do we pay the Additional Cash Payout of 20% under DPP? Additional Cash Payout will be paid together with Total Loss / Theft payment 11 DPP & SPP brief
12 Thank you
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