Amana InsuranceLINDUNG 24 Jam FAQ

Kurnia PA Flex: plans, prices and what it actually covers

✓ Figures from the official Product Disclosure Sheet (06/2026)
Personal accident protection underwritten by Liberty General Insurance Berhad: worldwide, 24/7 cover from RM110/year (≈RM9.90/month incl. SST), with lump sums up to RM1 million, accident medical expenses, daily hospital income and optional weekly income benefit.

The 7 plans at a glance

PlanPremium†Accidental death / disablementMedical per accidentHospital incomeWeekly benefit
Plan 1RM110/yr
≈RM9.90/mo		RM50,000RM3,000RM75/dayRM50/week*
Plan 2RM180/yr
≈RM16.20/mo		RM100,000RM4,500RM75/dayRM75/week*
Plan 3RM295/yr
≈RM26.55/mo		RM200,000RM6,000RM100/dayRM100/week*
Plan 4RM420/yr
≈RM37.80/mo		RM300,000RM6,500RM125/dayRM150/week*
Plan 5RM670/yr
≈RM60.30/mo		RM500,000RM7,500RM175/dayRM250/week*
Plan 6RM1,015/yr
≈RM91.35/mo		RM750,000RM8,500RM200/dayRM375/week*
Plan 7RM1,415/yr
≈RM127.35/mo		RM1,000,000RM10,000RM225/dayRM500/week*

†Class 1 & 2 occupations (office/supervisory), before 8% service tax; monthly equivalent shown incl. SST. Class 3 (manual work) premiums differ and Plans 5 to 7 are unavailable. *Weekly benefit is an optional rider at extra premium. Sums insured grow 10%/year for claim-free renewals, up to 100%. Source: official PDS.

Why pair it with LINDUNG 24 Jam instead of choosing one

PERKESO's scheme is a cheap Malaysia-only base layer with income replacement and a dependants' pension. PA Flex adds what it can't: worldwide cover, lump sums you choose, family options and cashless private-hospital admission. Most planners treat them as layers. See the full side-by-side in our comparison tool.

Amana Insurance is a licensed Kurnia agent (code 107100-00). Quotes depend on your occupation class; nothing on this page is an offer, and the policy wording prevails.

Is Kurnia PA Flex available worldwide?

Yes. PA Flex covers accidents worldwide, 24 hours a day, unlike PERKESO's LINDUNG 24 Jam which covers Malaysia only.

Who can buy PA Flex?

Malaysians, permanent residents and valid work-permit holders aged 18 to 70 (renewable to 80), plus spouse and children (30 days to 18, or 25 if studying full-time).

Does having PA Flex disqualify me from LINDUNG 24 Jam?

No. PERKESO's official FAQ confirms benefits are available regardless of private coverage, and fixed-benefit payouts generally pay alongside.

How fast are claims paid?

Lump-sum claims go direct to the insurer or your agent, and hospital admission deposits are guaranteed cashless up to RM3,000 at panel hospitals.

Is my money protected?

Liberty General Insurance Berhad is a member of PIDM; benefits under eligible policies are protected by PIDM up to limits.

Get a free, no-obligation quote

Neelia and her team will match a plan to your occupation class and budget. Usually answered the same day.

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