Our Riders - Insurance Add-ons

Acci Guard Plus

This rider pays you if you suffer an accidental injury or death, or non-accidental death.
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Doctor examines patient’s bandaged leg.

The accidental insurance add-on that helps lessen the pain


We’ll pay you a percentage of your coverage amount if you unfortunately get injured due to an accident.

We will also pay twice the amount if the accident occurs:

  • When you are travelling in any mechanically-propelled non-aerial public conveyance over an established land route; or

  • While you are in an elevator car (excluding those in mines and construction sites); or

  • As a consequence of fire in any theatre, hotel or other public buildings.

An additional compassionate allowance of RM2,000 is payable if you unfortunately pass away. If the death is due to an accident, a compassionate allowance of RM4,000 instead is payable. If you unfortunately pass away in a foreign country due to an accident, we’ll pay you a lump sum of RM6,000. 

Attachable plan

The basic plan that Acci Guard Plus can be attached to:

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Important notes
Key information and disclaimers.

1. This content contains only a brief description of the product and is not exhaustive. You are advised to refer to  Prudential Assurance Malaysia Berhad (PAMB)’s Brochure, Product Disclosure Sheet, Product / Sales Illustration, Fund Fact Sheet (if any), before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the features and benefits, exclusions and waiting periods under the policy.

PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).

Accidental injury insurance FAQ

What is accidental injury insurance?

Accidental injury insurance cover injuries due to an out of control event. The amount you receive can help you to cover medical and out-of-pocket costs incurred after the injury.

For example, hospital stay, emergency treatment, and transportation to treatment centres. Accidental insurance policies are purchased the same way as traditional insurance plans.

You will have to pay a premium depending on the plan and coverage. If you pass due to accidental death, your beneficiary will receive a lump sum payment. Accidental insurance is usually purchased to supplement medical insurance plans.

What is considered an accidental injury?

As the term suggests, accidental injuries refer to injuries that are a result of mishaps.

For example, injuries due to burns, falls, cuts, vehicle accidents and even insect bites and stings. Accidental injuries are actually a significant cause of death and should not be taken lightly.

Is accidental insurance worth getting?

It depends on your personal situation, although accidental insurance is typically a useful rider to add to your traditional insurance. However, it should not replace health, medical or disability insurance.

Is a fall considered an accidental death?

Yes, falls are one of the typical causes of accidental death. However, like how all other insurance claims will be investigated, the insurance company will do their due diligence before the payout.

What are examples of accidental death?

Accidental death occurs when someone passes away due to an accident - situations that cannot be controlled. Some examples of accidental death include car crashes, drowning, falls and slips, choking, poisoning, and machinery mishaps.