Gen PA ZenProtect is a personal accident insurance plan that provides 24/7 worldwide coverage for accidental bodily injury, disablement, or death. It offers two plan options and includes optional add-ons to protect your loved ones and your lifestyle needs.

Personal accident insurance gives you extra support when unexpected mishaps happen in daily life—whether you are commuting, travelling, exercising, or out with family. It helps cover sudden costs so you can focus on recovery, not bills.

Gen PA ZenProtect provides 24/7 worldwide protection against accidental injuries, disablement, or accidental death. It helps cover medical and recovery costs, with optional benefits for you and your family to meet lifestyle needs. A simple, affordable way to stay protected wherever life takes you.

This personal accident plan provides financial support if you are involved in an accident, based on the plan you have purchased. The coverage includes:
• Accidental Death – up to RM100,000
• Accidental Permanent Disablement – up to RM100,000
• Accidental Medical Expenses – up to RM3,000
• Hospital Income - up to RM100 per day, maximum up to 180 days per year
• Financial Obligations – up to RM5,000
• Funeral Allowance – up to RM2,000
These benefits help ease medical bills, income disruptions, and unexpected expenses after an accident. Refer to the Policy Wording for a full list of benefits and coverage.

This personal accident plan does not cover incidents such as:
• Any unlawful act, willful exposure to danger, intentional self-injury, suicide or attempted suicide,  while sane or insane.
• Any pre-existing physical or mental defect or infirmity.
• Pregnancy or child birth‑related claims.
• Injuries related to military, police, or fire service duties (regular or temporary).
Note: This list is non-exhaustive. Please refer to the policy wording for the complete list of exclusions.

No. Personal accident insurance only covers injuries, disablement, or death caused by accidents. Life insurance covers death from any cause (except specific exclusions) and may include savings or investment benefits. Personal accident insurance complements life insurance, not replaces it.

Gen PA ZenProtect is open to Malaysians, permanent residents, and anyone legally residing in Malaysia, including work or pass holders. Adults aged 18 to 65 may apply (renewable up to age 70). Coverage is also available for children from 30 days old up to 18 years, or up to 23 years if they are full‑time students.

You can submit your personal accident claim online through the Generali PA Claims page by providing your policy number, accident details, and supporting documents. You can also track your claim status on the same portal. If you need help, contact Customer Service at 1300 13 2121 or customer.service.gi@generali.com.my.

Yes, you can cancel your policy at any time by giving us 7 days' written notice. Upon cancellation, we will return the proportionate part of the premium for the unexpired period of insurance, provided no claim has been made.

No. Your personal accident coverage begins immediately once your policy purchase is successful. You are protected right away against accidental injuries from the moment your policy becomes active.