What is FREE PA Insurance?
The FREE Personal Accident Insurance is insurance coverage provided for eligible Tune Talk subscribers who meet the required criteria.
Who is eligible to be covered under PA Insurance?
The insured person must be a Malaysian, Malaysian Permanent Resident, work permit holder, employment pass holder, or a person otherwise legally employed in Malaysia.
What are the eligibility criteria for PA Insurance?
New customers must:
- Be aged 12 to 65 years old.
- Have an active Tune Talk line for more than 2 months.
- Subscribe to an eligible plan.
Existing customers must:
- Be aged 12 to 65 years old.
- Subscribe to an eligible plan.
Which plans are eligible for PA Insurance?
Below are the eligible plans:
- Epik+ 50
- Epik+ 35
- Epik+ Family Safe
- Epik+ Family
What is the coverage amount for each plan under FREE PA Insurance?
The coverage amount is as follows:
- Epik+ 50 : RM150,000
- Epik+ 35 : RM100,000
- Epik+ Family Safe : RM100,000
- Epik+ Family : RM100,000
Is the RM100,000 coverage provided individually to each child line and supplementary line, or is it included under the parent line or master line’s coverage?
Yes. The RM100,000 coverage is provided individually to each child line and supplementary line.
What are the new PA Insurance benefits?
Effective 1 June 2026, additional benefits separate from the existing RM100,000 or RM150,000 PA Insurance coverage will also be provided, as follows:
- Medical Expenses coverage of up to RM250
- Daily Hospital Income of RM30 per day, up to a maximum of 60 days.
- Bereavement Allowance due to accident, of RM5,000.
- Personal Liability coverage of RM25,000.
For further information, please refer to the policy documents.
Are the new benefits separate from the RM100,000 or RM150,000 coverage?
Yes. The new benefits are separate and are provided on top of the existing RM100,000 or RM150,000 PA Insurance coverage.
How can subscribers confirm if they are eligible for PA Insurance?
Subscribers may check their eligibility on the Tune Talk website.
Can one (1) registered IC receive multiple insurance coverages if it is linked to more than one (1) Tune Talk line?
No. Regardless of the number of Tune Talk lines registered under the same MyKad number, only one (1) PA Insurance coverage will be provided.
How long is the PA Insurance coverage valid?
The coverage remains valid as long as the Tune Talk line is active and the subscriber continues to meet the monthly eligibility criteria.
What situations are covered under PA Insurance?
- The PA Insurance provides coverage in the event of death, total and permanent disability including total paralysis. In addition, it also provides the following benefits:
- Medical Expenses coverage of up to RM250
- Daily Hospital Income of RM30 per day, up to a maximum of 60 days.
- Bereavement Allowance due to accident, of RM5,000.
- Personal Liability coverage of RM25,000.
For further information, please refer to the policy documents.
What situations are not covered under PA insurance?
Any accident involving the insured person riding or pillion-riding a motorcycle is not covered under FREE PA Insurance.
Are there any high-risk activities excluded from coverage?
- FREE PA Insurance does not cover losses or injuries arising from high-risk activities, including but not limited to:
- Scuba diving.
- Martial arts.
- Motorized or non-motorized racing (other than foot racing).
For the complete list of excluded activities, please refer to the policy documents.
Are there any excluded occupations?
- Certain high-risk occupations are not eligible for the PA Insurance including:
- Military and law enforcement personnel.
- Pilots and aircrew.
- Professional athletes or sports players.
For the complete list of excluded occupations, please refer to the policy documents.
What is the claim procedure?
All claims must be notified within 30 days from the date of the accident, together with full details. For claim notification or further clarification, please contact the RHB Insurance Customer Service Hotline at 1300-220-007.
If the claimant has other insurance policies, will the PA insurance still apply?
Yes. Having other insurance policies will not affect your eligibility for the FREE PA Insurance benefits.
How can beneficiaries be nominated?
Pursuant to Section 129 and Paragraph 5 of Schedule 9 of Financial Services Act 2013, Malaysia, nominee(s) should be: spouse, child or parent(s). If there is no spouse or child at the time of nomination, the nominee shall be the parent (s). For a Muslim insured person, any nominee who receives the policy monies shall distribute them in accordance with Shariah law.
