Group Personal Accident团体个人意外险
Pays a lump sum if an employee dies or is permanently disabled in an accident.员工意外身故或永久残疾，一次过赔一笔钱。
Covers bodily injury caused solely by a sudden, unintended, unexpected event at an identifiable time and place. The core benefits are accidental death and permanent disablement; medical and temporary disablement benefits can be added.保在某个时间、地点，因突然、意外、非故意的事件造成的身体伤害。核心是意外身故和永久残疾；医药费和暂时残疾可以另外加。
At a glance一眼看懂
What this policy pays for, what it doesn't, and what sits elsewhere.这张保单保什么、不保什么、什么要去别的保单找。
- Accidental death意外身故
- Permanent disablement, by a set scale永久残疾（按比例表）
- Death or disablement within 365 days365 天内身故或残疾
- Temporary total disablement暂时完全残疾
- Medical expenses医药费
- Funeral expenses丧葬费
- …and 2 more……还有 2 项
- Illness of any kind任何疾病
- Self-inflicted injury自残
- Hazardous or professional sports危险或职业运动
- War, terrorism战争、恐怖袭击
What's covered基本保障
Bodily injury caused solely by an accident.只因意外造成的身体伤害。
Accidental death意外身故
The capital sum insured, if death follows the injury.受伤后身故，赔投保金额。
Permanent disablement永久残疾
Paid by the scale in the policy — for example, loss of two limbs is 100%.按保单比例表赔 —— 例如失去两肢是 100%。
Within 365 days365 天内
Death or disablement must follow within 365 days of the injury.身故或残疾要在受伤后 365 天内发生。
Add-on cover可以加保
Each one must be written on your policy schedule.每一项都要写进保单附表才算数。
- Temporary total disablement暂时完全残疾
- Temporary partial disablement暂时部分残疾
- Medical expenses医药费
- Funeral, burial or cremation expenses丧葬、火化费
- Repatriation expenses遣返费用
Accident cover vs medical cover意外险 vs 医疗险
They pay for different things — many employers have both.两张赔的东西不同 —— 很多老板两张都买。
A lump sum for death or disablement from a sudden accident.突然意外造成身故或残疾，一次过赔。
Hospital and surgical bills. See Group Healthcare.住院和手术费用。看团体医疗。
All disablement payments for one accident are capped at 100% of the capital sum insured. Once 100% is paid, cover for that person ends.同一次意外的残疾赔偿，合计最多是投保金额的 100%；赔满 100% 后，那个人的保障就结束。
Not covered不保什么
The main ones. The full list is in your policy wording.这里列主要的，完整清单看保单条款。
After an accident意外发生后
- Within 30 days30 天内Notify the insurer in writing.书面通知保险公司。
- Within 365 days365 天内Death or disablement must follow within this time to be paid.身故或残疾要在这段时间内发生才赔。
- Keep the medical reports留医疗报告Disablement is assessed against the scale in the policy.残疾按保单比例表评估。
Illness isn't covered — only injury from a sudden, unexpected accident.疾病不保，只保突然、意外造成的伤害。
Based on a standard Malaysian group personal accident policy wording and a 2026 product disclosure sheet. Your own policy schedule and wording decide what you are covered for.依据马来西亚标准团体个人意外险条款及 2026 年产品说明书整理。实际保障以你的保单附表和条款为准。