GreatShield Active explained: benefits, limits and the fine print
Great Eastern's personal accident plan stands out for covering terrorism and motorcycling, risks many PA policies exclude. Here is what is published, and what is not.
GreatShield Active is Great Eastern General's individual personal accident plan, and what stands out on the insurer's own product page is what it explicitly includes rather than excludes: terrorism and motorcycling are both named as covered, which is notable because these are two of the risks most standard personal accident policies leave out.
What this plan is
According to Great Eastern's product page, GreatShield Active provides accidental death and permanent disablement cover, with accidental death or disability arising from terrorism specifically included, along with cover while motorcycling. The plan also features double and triple indemnity benefits, which typically pay a multiple of the base benefit if an accident occurs under specified circumstances, a renewal bonus, and cover for medical expenses arising from a covered accident.
Why the terrorism and motorcycling inclusions matter
Personal accident policies in the general market commonly list war, terrorism, radiation and motorcycling among their standard exclusions, alongside things like professional or hazardous sports and aerial activities. A plan that specifically brings terrorism and motorcycling back into cover, rather than leaving them as exclusions, is addressing two gaps that trip up a meaningful number of PA claims elsewhere in the market, particularly for anyone who commutes by motorcycle, which is a large share of Malaysian road users.
What is not published on the product page
Great Eastern's page describes the plan's features in general terms but does not publish the specific sum insured for accidental death, the permanent disability benefit scale, the medical expenses limit, entry age requirements, or which occupations are accepted. This is common for a marketing-facing product page, but it means the numbers that actually matter for deciding how much cover you would get, and whether you qualify, are not available from the page alone. Ask for the product disclosure sheet or a formal quotation to see these figures before assuming any particular level of cover.
What any personal accident buyer should check in general
Regardless of which insurer's PA plan you are looking at, the benefit scale for permanent disability, how much a policy pays for a lost limb versus a lost finger, for example, is one of the details worth reading closely, since PA payouts are typically structured as a percentage of the sum insured tied to the severity of the injury rather than a single flat amount. It is also worth checking explicitly whether motorcycling, hazardous sports, or any occupation you hold are excluded, included by default, or included only with an add-on, since this varies significantly between insurers and is exactly the kind of detail a product summary page tends to leave out.
Figures can change
The features described here reflect Great Eastern General's own published product page for GreatShield Active, retrieved in August 2026, and the specific sums insured, limits and eligibility rules are set out in the product disclosure sheet and policy wording rather than the page itself. Confirm the actual figures directly with Great Eastern or an authorised agent before buying, and treat the disclosure sheet and policy document, not this article, as what governs any policy issued.
Talk to an advisor
Because the headline features here are strong but the actual sums insured are not published on the product page, this is a plan worth getting a formal quotation for before comparing it against alternatives. An advisor can pull the actual benefit scale for you, or you can start comparing personal accident plans through our comparison tool.
Sources
This content is educational information from a licensed advisor, not financial advice. Product details vary by insurer — verify specifics with an advisor.
