Underwritten by Zurich
Protection for the unexpected.
Life is unpredictable, but your financial security doesn't have to be.
Get 24/7 personal accident protection against accidental injury, disablement and death, with benefits designed to support you when you need it most.
Arranged by Ouch. Underwritten by Zurich.
Personal Sentinel Version 3 Plus Takaful is underwritten by Zurich General Takaful Malaysia Berhad, a licensed takaful operator under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia.
Ouch Free Sdn Bhd (201801038678 [1300709-A]) is an authorised corporate agent of Zurich General Takaful Malaysia Berhad.
How it works
Getting Covered is Easy.
- Step 1
Tell us about yourself
Fill in your details through our simple registration form.
- Step 2
We’ll get your quote
We’ll submit your details to Zurich and get your Personal Sentinel V3 Plus quote for you.
- Step 3
Make your contribution
Once you’re happy with your quote, make your contribution securely through Ouch.
- Step 4
You’re protected!
Once your coverage is issued, you’re good to go.
Get QuoteWhat’s included
All the Protection You Need, Nothing Less
From medical bills to time away from work, an accident can affect more than just your health. Personal Sentinel V3 Plus Takaful by Zurich offers a range of benefits to help you handle the unexpected.
Accidental Death & Permanent Disablement
Up to RM1,000,000
If an accident changes your life forever, your coverage can provide a lump-sum benefit to help support you or your loved ones.
Double Indemnity
Up to RM2,000,000
Some unfortunate situations come with additional protection. Get double the principal sum insured for eligible accidents, subject to the certificate terms.
Optional Weekly Benefit
Up to RM500/week
An accident can keep you from working. This optional benefit provides weekly compensation for eligible temporary total or partial disablement, for up to 52 weeks per accident.
Daily Hospital Income
Up to RM250/day
Hospitalised following an accident? Receive a daily cash benefit during your eligible hospital stay, for up to 120 days.
Emergency Cash
RM5,000
In the event of an accidental death, your loved ones can receive emergency cash to help with immediate expenses, subject to the required documents and certificate terms.
Kidnap Benefit
Receive up to RM5,000 for eligible recovery expenses and a RM25,000 reward for information leading to your safe recovery in the event of a kidnapping.
Personal Liability
Up to RM2,000,000
Accidentally injure someone or damage another person's property? This benefit provides protection against eligible third-party liability claims within Malaysia.
Snatch Theft Coverage
Up to RM500
Enjoy day-and-night peace of mind knowing you will be reimbursed for lost personal belongings if you fall victim to a snatch theft.
Accidental Medical Expenses
- Cashless hospital admission with annual limit up to RM15,000
- Traditional Treatment RM50 per visit up to RM1,000
- Medical and Post-mortem Report Fees up to RM150
- Ambulance fees up to RM500
- Hospitalisation for Dengue, Malaria, or Japanese Encephalitis up to RM15,000
A little preparation can make a big difference.
Choose the Personal Sentinel Version 3 Plus Takaful plan that suits your needs and give yourself an extra layer of protection.
Frequently asked questions
All you need to know about Zurich Personal Sentinel V3 Plus Takaful
Get protected today
Don’t wait for an accident to happen.
Accidents are unpredictable — your protection doesn't have to be. Get your Personal Sentinel V3 Plus Takaful quote in minutes.
Get Covered Today
Ouch Free Sdn Bhd (201801038678 [1300709-A])