sentinel FAQs

FREQUENTLY ASKED QUESTIONS
Q1. Who is eligible?	A1. Anyone residing in Malaysia aged above 1 to 65 years and not involved with any high risk duties and occupations. However, for persons age below 16 years, student, housewife and retiree are only eligible to buy up to Plan 2 (without weekly indemnity 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, travelling or playing 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. When will my coverage be effective?	A4. Your coverage will be effective upon the receipt of premiums and approval by the insurer. Back to top
Q5. When am I entitled for Daily Hospital Income benefit?	A5. You have to be admitted to the hospital as a registered patient for more than 12 hours. Back to top
Q6. What is Traditional Treatment benefit?	A6. This benefit reimburses post-hospitalisation Traditional Treatment expenses such as Sinseh and Bomoh up to RM50 per visit subject to a maximum of RM500 for any one accident. Back to top
Q7. How will I be entitled for Renewal Bonus?	A7. As long as you renew your policy and no claim being made within the preceding year, a 10% Renewal Bonus of the Principal Sum Insured will be rewarded. If there is a claim (any amount) being made, the Renewal Bonus will start afresh. 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. Call 1-800-88-1320, the 24 hours emergency line. For Referral Emergency Assistance Program, please call 603-79561233 from any part of the world and reverse the call charges. 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, including the followings:- War Civil War Hijacking and Terrorism AIDS and Diseases Childbirth Miscarriage Provoked Murder or Assault Traveling as an Aircraft Crew Aerial Activities Martial Arts Racing Radiation Nuclear Weapons Material Back to top
Q12. How do I sign up for The Personal Sentinel v2?	A12. If you wish to apply for "The Personal Sentinel v2" coverage, just instruct us by e-mail or call 012-6597262 providing the following details and we will be sending you the appropriate Application Form:- Your preferred correspondence address Insured/s occupations Insured/s age next birthday Which Plan (with or without weekly indemnity) have you chosen? Plan 1, 2, 3, 4, 5, 6, 7 or 8. How would you like to make your payment? (By Credit Card or Cheque or Direct Bank-in to Alliance Bank) Payment by CASH is not recommended. How would you like us to contact you? Back to top