For Your Protection

Individual Insurance

Traditional Sharia Insurance

SMiLe Personal Accident Syariah

Medical treatment in hospital, suffering physical disability and even loss of life due to accident, will not cause a financial problem if you have prepared yourself with SMiLe Personal Accident Syariah.

  • Risk A
    The beneficiary will receive 100% insurance allowance, if the insured dies within the valid insurance period.
  • Risk B
    If the participant caught up in an accident and suffers immediate permanent disability or within 90 days afterwards, the participant will receive:
    1. 100% insurance allowance for total permanent disability
    2. Varied percentage and not more than 100% insurance allowance (for partial permanent disability)
  • Risk D
    If the Participant caught up in an accident and requires cost for medication/treatment at the hospital, an insurance benefit will be provided for the medication or treatment costs by physician or hospital which maximum amount is 10% of Insurance Allowance per accident and not exceeding the amount of Insurance Allowance within 1 policy year.