your interest in our Personal Accident Products, you are advised to read
through the information below which explains to you the important features
of our Personal Accident policies, so that you will be able to make an
informed decision before purchasing the policy.
You are to
disclose all the facts which you know, otherwise the policy maybe be
void and Company may refuse your claim in the event of loss.
- It is important that you complete the
proposal form accurately yourself. Delegating the task to the
intermediary will not absolve you from the responsibility of the
information disclosed in the form.
Period of Coverage
The period of
coverage for Personal Accident policy is not exceeding 12 months.
Notice of Termination/Cancellation
by the Insured - The insurance may be cancelled at any time by you
in writing to the Company. The premium refund due to you is subject to
calculation of short period insurance where applicable.
- Termination/Cancellation by the
Company - The insurance also may be cancelled by the Company by
serving seven (7) days notice in writing to you. In the event premium
has been paid for any period beyond the date of termination of the
policy, the pro-rata premium shall be refunded to you provided that no
claim has been made during the current period of insurance.
injury must be given in writing to the Company within thirty (30) days
after the occurrence. The Company, upon receipt of such notice, shall
furnish you with a claim form for filing of proof of claim.
- In case of death, reasonable notice
shall be given to the Company before burial or cremation.
information and evidence required by the Company shall be furnished by you
or your legal representative and shall be in such form the Company may
Should there be any
complaints, you may call ZURICH Call Centre at 1-300-888-622 or 03-21469999.
In the event of a
claim dispute, you may redress to the Customer Service Bureau of Bank
Negara Malaysia (BNM) or The Financial Mediation Bureau (FMB) for
arbitration and decision.
It is important for
you to read the policy carefully, and if any error or misdescription be
found herein, or if the cover is not in accordance with your wishes,
advise should at once be given to the Company and the Policy returned for
You may refer to
the Consumer Education Programme booklet or the website www.insuranceinfo.com.my,
should you need further information on insurance.