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Importance of Disclosure -
You must disclose all material facts such as your personal pursuits
including your travel details which would affect the risk profile and
number of travel policies that you have purchase from other insurance
companies.
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Consumer Insurance Contract
- Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act
2013, if you are applying for this insurance wholly for purposes
unrelated to your trade, business or profession, you have a duty to take
reasonable care not to make a misrepresentation in answering the
questions in the Proposal Form (or when you apply for this insurance).
You must answer the questions fully and accurately. Failure to take
reasonable care in answering the questions may result in avoidance of
your contract of insurance, refusal or reduction of your claim(s),
change of terms or termination of your contract of insurance. The above
duty of disclosure shall continue until the time your contract of
insurance is entered into, varied, or renewed with us. In addition to
answering the questions in the Proposal Form (or when you apply for this
insurance), you are required to disclose any other matter that you know
to be relevant to our decision in accepting the risks and determining
the rates and terms to be applied. You also have a duty to tell us
immediately if at any time after your contract of insurance has been
entered into, varied or renewed with us any of the information given in
the Proposal Form (or when you applied for this insurance) is inaccurate
or has changed.
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Non-Consumer Insurance
Contract - Pursuant to Paragraph 4(1) of Schedule 9 of the Financial
Services Act 2013, if you are applying for this insurance for a purpose
related to your trade, business or profession, you have a duty to
disclose any matter that you know to be relevant to our decision in
accepting the risks and determining the rates and terms to be applied
and any matter a reasonable person in the circumstances could be
expected to know to be relevant, otherwise it may result in avoidance of
your contract of insurance, refusal or reduction of your claim(s),
change of terms or termination of your contact of insurance. The above
duty of disclosure shall continue until the time your contract of
insurance is entered into, varied or renewed with us. You also have a
duty to tell us immediately if at any time after your contract of
insurance has been entered into, varied or renewed with us any of the
information given in the Proposal Form (or when you applied for this
insurance) is inaccurate or has changed.
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Cash Before Cover - It is
fundamental and absolute special condition of this contract of insurance
that the premium due must be paid and received by us before insurance
cover is effective.
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Claim Procedure - You must
contact us with full details as soon as possible of any Disability,
incident or on the discovery of any loss or damage which may result in a
claim under this product. You must also tell us if you know of any writ,
summons, or prosecution against you and immediately send us every letter
or document which relates to a claim.
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Maximum Sum Insured - The
amount stated in the Schedule of Benefit is the maximum limit and
sub-limit we will pay or reimburse in accordance to your cover type for
each Insured Person. If you have selected for: i) Insured and Spouse
Cover, we will, in total for all Insured Persons, pay or reimburse up to
a maximum of two-hundred percent (200%) of the limit and sub-limit
stated in the Schedule of Benefit for each benefit, except for the
following benefits, the limits remain as per person limit, and ii)
Family Cover, we will, in total for all Insured Persons, pay or
reimburse up to a maximum of three-hundred percent (300%) of the limit
and sub-limit stated in the Schedule of Benefit for each benefit, except
for the following benefits, the limits remain as per person limit. The
following benefits are - BENEFIT 2 (Overseas Hospital Income), BENEFIT
19 (Accidental Death and Permanent Disablement), BENEFIT 25 (Special
Coverage), BENEFIT 26 (Badal Haji), BENEFIT 27 (Wakaf), BENEFIT 28 (Qurban)
and BENEFIT 29 (Emergency Cash).
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Maximum Travel Duration - i)
Single Trip: Each journey shall not exceed two hundred (200) consecutive
days; and ii) Annual Trip: Each journey shall not exceed one hundred
(100) consecutive days
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Eligibility - The following
conditions must be satisfied in order for You to be qualified for
coverage under this product:- 1) at the time of arranging the journey
and/or purchasing this insurance, you must be medically fit to travel
and none of you are aware of any circumstances which are likely to lead
to any claims under your policy; 2) at the time of purchasing this
insurance , none of you have already left Malaysia for any journeys
meant to be covered by your policy; 3) the journey must be solely
arranged for leisure and business travel purposes. However, if you have
selected for Annual Trip, we shall exclude any journeys where you travel
daily or more than four (4) times per month to the same neighbouring
country for employment or business purposes; 4) at the time of
purchasing this insurance and during the journey, you must be a
Malaysian, or Non-Malaysian who has a permanent resident status, valid
work permit, valid student permit or Malaysia My Second Home (MM2H)
status; 5) the journey must commence from Malaysia; 6) You must return
to Malaysia at the end of your journey (not applicable to One-Way Trip);
and 7) age limits (all ages refer to the age of Your next birthday): i)
If you are covered under Individual Cover, Insured & Spouse Cover or
Family Cover, you must be between thirty (30) days old to seventy (70)
years old; ii) If you are covered under Senior Cover, you must be
between seventy-one (71) to eighty-five (85) years old; iii) If you are
the Child covered under the Family Cover, you must be between thirty
(30) days old to seventeen (17) years old, or twenty-three (23) years
old if studying as a full-time student at the commencement of the
journey; and iv) If you are covered under Annual Trip, you must be
between thirty (30) days old to seventy (70) years old. For Annual Trip,
your policy can be renewed up to eighty-five (85) years old.
Note: This is
non-exhaustive. Please refer to the policy wordings for the terms and
conditions under this product.
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