Accident Protection

Xtra Guard PA

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Overview
Benefits
Terms & Conditions
Additional Protection

Xtra Guard PA

Accidents are unpredictable and unexpected. Therefore, it is essential for you to protect yourself against all kinds of accidents.

Xtra Guard PA is a personal accident plan that takes care of your family and provides a financial safety net in the event of a serious injury, disability, or death due to accident.

Coverage Period

UP TO 85 YEARS OLD (ADULT PLAN) UP TO 23 YEARS OLD (JUVENILE PLAN)

Eligible Age

16 - 75 YEARS OLD (ADULT PLAN) 14 DAYS - 15 YEARS OLD (JUVENILE PLAN)

Product brochure

Product disclosure sheet

Benefits of this plan

SUPPORT THROUGH THE WORST

If you suffer losses from permanent total disability due to an accident, you will receive the Double Living benefit to help you cope with the effects of the disability and face the times ahead.

1

SUPPORT THROUGH THE WORST

If you suffer losses from permanent total disability due to an accident, you will receive the Double Living benefit to help you cope with the effects of the disability and face the times ahead.

ANNIVERSARY BONUS

Get up to 100% with the Anniversary Bonus

if you continue to renew your policy for the first two policy years

2

ANNIVERSARY BONUS

Get up to 100% with the Anniversary Bonus

if you continue to renew your policy for the first two policy years

MEDICAL PROTECTION & ALTERNATIVE TREATMENTS

We will reimburse you for medical and surgical expenses, such as inpatient and outpatient treatments caused by an accident. This plan also covers medical expenses provided by an acupuncturist, bonesetter, chiropractor or osteopath, following the injury due to an accident.

3

MEDICAL PROTECTION & ALTERNATIVE TREATMENTS

We will reimburse you for medical and surgical expenses, such as inpatient and outpatient treatments caused by an accident. This plan also covers medical expenses provided by an acupuncturist, bonesetter, chiropractor or osteopath, following the injury due to an accident.

WEEKLY PAYOUT (ADULT PLAN ONLY)

Receive a weekly payout for up to one year if you suffer from a temporary total/partial disability to compensate for the loss of income

4

WEEKLY PAYOUT (ADULT PLAN ONLY)

Receive a weekly payout for up to one year if you suffer from a temporary total/partial disability to compensate for the loss of income

WAIVER OF PREMIUM (JUVENILE PLAN ONLY)

If the policy owner passed away due to an accident or sustains a Permanent Total Disability, we shall, subject to the terms and provisions, waive the premiums payable under the policy.

5

WAIVER OF PREMIUM (JUVENILE PLAN ONLY)

If the policy owner passed away due to an accident or sustains a Permanent Total Disability, we shall, subject to the terms and provisions, waive the premiums payable under the policy.

Terms & Conditions

- You must disclose details such as your occupation, personal interests or hobbies that could affect your risk profile and number of personal accident policies that you have with other insurance companies.
- After the first premium, a grace period of 31 days from the premium due date is allowed for payment of each premium. The policy will remain active during the grace period. If a loss occurs during the grace period, any unpaid balance of premiums due for the full policy year will be deducted from the proceeds payable under the policy.
- You must tell us in writing if you change your occupation. We will review your new occupation to see if it falls within the occupation categories covered under this plan.
- You must give us written notice of a claim within 30 days of the accident that caused your injury. If death occurs, an immediate notice of claim must be given to us.

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Child Plus protects your children and their education.
Ransom payment will be reimbursed if the ransom demand is made.
You will be rewarded for information leading to your child's recovery, while alive.

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