by AdminA Workplace Accident That Cost RM4,000 — Even When He Was Not Operating the Machine
In 2019, one of my long-term clients was injured in a workplace accident — even though he was not the one operating the machine.
At the time, his subordinate was using a wood-cutting machine. Due to a machine malfunction, the cutting blade flew out and struck my client’s palm while he was nearby checking on the work progress.
The injury resulted in a deep wound of approximately 1–2 cm, and he required immediate treatment at a private hospital.
The Medical Cost vs Insurance Coverage
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Private hospital medical bill: RM4,000++
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Accidental Medical Expense limit: RM3,000
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Amount paid under the policy: RM3,000
The accident insurance covered the maximum medical benefit under the policy, helping to significantly reduce the client’s out-of-pocket expenses.
I assisted the client throughout the claim process and ensured the claim was paid according to the policy terms.
Why This Case Matters
This case is a reminder that accidents are not limited to the person operating the machine.
Even managers, supervisors, or business owners — those who are simply nearby or checking on operations — can be injured due to:
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Machine malfunction
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Human error
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Unpredictable circumstances
Being careful is important, but not all accidents are within our control.
What Happened After the Claim?
After this incident:
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The client increased his accident insurance coverage
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He also introduced several friends to take up accident insurance
Real experiences often change how people view protection.
A Simple but Important Reminder
For Occupation Class 1 & 2, accident insurance can cost as little as:
RM110+ per year
A small annual premium can make a meaningful difference when unexpected accidents happen — especially when private medical treatment is involved.