For many young adults, life is moving quicker than ever, especially after the COVID-19 pandemic. Between climbing the corporate ladders, managing bills, planning for a family, and striving for personal growth, there’s hardly time to slow down.

And yet, it only takes one moment — a fall, an accident, a twist of fate — to realise how fragile life can be. While many understand the importance of insurance, choosing the right personal accident plan can feel overwhelming. Some end up with coverage that sounds impressive but is bloated with features they’ll never use. Others discovered too late that their plan doesn’t cover the essentials they actually need. In some cases, people aren’t even eligible for the coverage at all - they just assume that they are covered.

This gap between perception and reality is exactly what Berjaya Sompo set out to solve with Ultima Care — a plan built on one simple truth: protection should fit you, not the other way around.

Designed with flexibility at its core, Ultima Care adapts to your lifestyle, your priorities, and your stage in life. It empowers you to build a policy around your real-world needs — not a generic checklist.

Getting the ultimate care

Whether you’re a young professional navigating your first job, a solo guardian holding everything together for your family, or part of a household planning for the long run, Ultima Care gives you the freedom to choose what protection looks like — without overpaying for features you don’t need or missing out on those you do.

What makes it different isn’t just how customisable it is — it’s how deeply it shows up for you when life doesn’t go to plan. With coverage of up to RM1,000,000 per adult and RM3,000,000 per family, Ultima Care is built to be more than a policy — it’s a safety net that’s strong, responsive, and ready.

If an accident occurs during public transport travel or overseas, the payout doubles — up to RM2,000,000 per adult and RM6,000,000 per family. It also covers where many plans fall short: medical treatments, alternative therapies, dental corrections, funeral expenses, and even outstanding credit card bills. It’s comprehensive, but more importantly, it’s thoughtful — designed to take care of what most people actually experience during recovery or loss.

For single parents juggling both income and caregiving, Ultima Care brings quiet reassurance — knowing your children or dependents will be supported even if the unexpected happens. For busy families, it’s one less decision to worry about in a world already full of them.

Inclusive and Transparent policy

Eligibility is equally inclusive. The plan is open not just to Malaysians and Permanent Residents, but also to student pass holders, employment pass holders, and those with valid work permits. Dependent children are included too, if they’re unmarried, unemployed, and under 19 years old — or up to 23 if they’re in full-time study.

What it doesn’t include is just as important. Exclusions — such as pre-existing conditions, self-inflicted injuries, or incidents involving alcohol or drugs — are clearly listed, with no vague surprises hidden in the fine print. That transparency is part of what makes Ultima Care different: it respects your right to make informed decisions about your future.

In a world where personal accident insurance is often treated as a box to tick, Ultima Care shifts the conversation. It’s not just about having a policy. It’s about having the right one — tailored, thoughtful, and able to keep up with the demands of modern life.

Because life doesn’t wait. And when it changes — fast, unexpectedly, and sometimes painfully — the last thing you should worry about is whether you’re protected.

With Ultima Care, you don’t have to.