Insurance Cover Insurance The Student Finance Division also manages group hospital insurance for students as follows :- The list of benefits that are acceptable for Local students BilBenefitsThe Amount of Protected (RM)1.Ordinary Death5,000.002.Death Due to Accident10,000.003.Permanent Disability By Causes Ordinary5,000.004.Permanent Disability Caused Accident10,000.005.Disability Partial Permanent By Reason – Ordinary reason5,000.006.Disability Partial Permanent Due Accident10,000.007.Medical Treatment Claims Due to an Accident ( Maximum ) based on the bill demands .1,000.008.Expenses Funeral (Member)3,000.00 Schedule Of Benefits-sum Covered for International Students BilBenefitsThe Amount of Protected (RM)1.Death Benefit (Natural Cause)5,000.002.Death Benefit (Accidental Cause)10,000.003.Total Permanent Disablement Benefit (Natural Cause)5,000.004.Total Permanent Disablement Benefit (Accidental Cause)10,000.005.Partial Permanent Disablement Benefit (Natural Cause)5,000.006.Partial Permanent Disablement Benefit (Accidental Cause)10,000.007.Accidental Medical Reimbursement1,000.008.Funeral Expenses Benefit (Member)4,000.00 Group Medical Takaful /Group Hospital & Surgical (Foreign Student) BilBenefitsThe Amount of Protected (RM)1.Ordinary Death5,000.002.Death Due to Accident10,000.003.Permanent Disability By Causes Ordinary5,000.004.Permanent Disability Caused Accident10,000.005.Disability Partial Permanent By Reason – Ordinary reason5,000.006.Disability Partial Permanent Due Accident10,000.007.Medical Treatment Claims Due to an Accident ( Maximum ) based on the bill demands .1,000.008.Expenses Funeral (Member)3,000.00 Note:The Insurance risk is underwritten By Takaful Ikhlas Sdn Bhd.Any medical costs in excess of the benefit limit provided by your company will be borne by you.Claims must be submitted to ING Insurance within 30 days from the date of consultation or services.Some hospitals do not include meal allowance under the Room & Board Limit.