PSv3 PLUS FAQs

FREQUENTLY ASKED QUESTIONS
Q1. Who is eligible?	A1. Insured Person must be a Malaysian or foreigner who has a valid work permit, student permit, permanent resident status or MM2H status. Insured Age Limit - 30 days old to 65 years old (Renewable up to age 80 years old). All ages refer to the age of Insured Person's next birthday age. Unemployed person, student, housewife and Insured Person below 16 years old are only eligible up to Plan 3 without weekly benefit. Retiree and Insured Person above 65 years old are only eligible for plans without weekly benefit. Back to top
Q2. Am I covered at home, work or at leisure?	A2. Yes, it protects you 24 hours a day, 365 days a year, all around the world, whether you are at work, at home, traveling or playing sports (except excluded sports). Back to top
Q3. Does this plan pay in addition to any other insurance policy that I may have?	A3. Yes, it pays in addition to any other insurance policy you may have except for Medical Reimbursement. Back to top
Q4. Can I purchase PSv3 PLUS for my employees?	A4. Yes, you can purchase PSv3 PLUS for your employees as a Group policy under your Company's Name. There is no limitation to the group size and the premiums is the same as an individual policy. Back to top
Q5. Can I purchase PSv3 PLUS for my whole family?	A5. Yes, you can purchase PSv3 PLUS for your family members, regardless of the number of members. the policy will be issued as a Group Family policy and the premiums will be charged individually. Back to top
Q6. What is Traditional Treatment benefit?	A6. This benefit reimburses post-hospitalisation Traditional Treatment expenses subject to the limit per visit and the maximum limit for any one accident as stated in the Schedule of Benefits. Traditional Treatment shall mean traditional medical practitioner who is an acupuncturist, bonesetter, chiropractor, osteopath and/or physiotherapist, excluding any traditional medical practitoner who is the claimant himself or his immediate family members, i.e. siblings, spouse, child or parent. Back to top
Q7. How will I be entitled for Renewal Bonus?	A7. Upon renewal of this Policy (provided such renewal is continuous and the Policy has not been allowed to lapse in any one given year) the Principal Sum Insured shall be increased by 15% per year up to a maximum of 150% of the Principal Sum Insured. Renewal Bonus shall only be applicable to the following benefits:  Benefit A – Accidental Death  Benefit B – Accidental Permanent Disablement  Benefit C – Double Indemnity Back to top
Q8. If there are changes to my life profile, must I inform the Insurer?	A8. Yes, you are required to inform the Insurer should there be any changes regarding your address, occupation and personal pursuits, which would affect your risk profile. Back to top
Q9. What telephone number to call in case of emergency?	A9. Zurich have an agreement with Asia Assistance Network (M) Sdn Bhd (hereinafter known as "the Service Provider"), to provide a comprehensive referral emergency assistance programme. Asia Assistance Network (M) Sdn Bhd 24 Hours Service Hotline 603 78415630 Insured Person may place a reverse charge call/call collect to the Service Provider’s 24 Hours service hotline at any time seven (7) days a week for any of the services as provided (Please refer to policy contract for details of services provided). Back to top
Q10. Are there any excluded occupations?	A10. Yes, as per the followings:- Divers Police Army / Military and Law Enforcement Officers Aircraft Testers Pilots or Crews Seamen and Sea Fishermen Racing Drivers Jockeys Oil Rig Workers Sawyers and Timber Logging Workers Firemen War Correspondents Steeplejack Stevedores (persons engaged at a dock to load and unload goods from ships) Persons engaged in Demolition of Buildings Persons engaged in Ambulance Services Woodworking Machinists Explosive Handlers Underground Tunneling and Mining Professional Sport Player Back to top
Q11. Are there any exclusions?	A11. Yes, no benefits shall be payable under the following circumstances:- War, Civil War Pre-existing condition Suicide while sane or insane Provoked Murder or Assault Any kind of racing other than on foot Radiation, nuclear Note: This list is non-exhaustive. Please refer to the policy contract for full list of exclusions under this policy. Back to top
Q12. How do I sign up for The Personal Sentinel v3 Plus?	A12. If you wish to apply for the PSv3 Plus coverage, just instruct us by e-mail or Whatsapp us at 012-6597262. Back to top