want to know about the...
SENTINEL Version 2
ASKED QUESTIONS (FAQs)
Who is eligible?
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).
Am I covered at home, work or at leisure?
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.
Does this plan pay in addition to any other insurance policy that I may
Yes, it pays in addition to any other insurance policy you may have except
for Medical Reimbursement.
When will my coverage be effective?
Your coverage will be effective upon the receipt of premiums and approval
by the insurer.
When am I entitled for Daily Hospital Income benefit?
You have to be admitted to the hospital as a registered patient for more
than 12 hours.
What is Traditional Treatment benefit?
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.
How will I be entitled for Renewal Bonus?
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.
If there are changes to my life profile, must I inform the Insurer?
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.
What telephone number to call in case of emergency?
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.
Are there any excluded occupations?
Yes, as per the followings:-
- Army / Military and Law
- Aircraft Testers
- Pilots or Crews
- Seamen and Sea Fishermen
- Racing Drivers
- Oil Rig Workers
- Sawyers and Timber
- War Correspondents
- Stevedores (persons
engaged at a dock to load and unload goods from ships)
- Persons engaged in
Demolition of Buildings
- Persons engaged in
- Woodworking Machinists
- Explosive Handlers
- Underground Tunneling
- Professional Sport
Are there any exclusions?
Yes, including the followings:-
- Civil War
- Hijacking and Terrorism
- AIDS and Diseases
- Provoked Murder or
- Traveling as an Aircraft
- Aerial Activities
- Martial Arts
- Nuclear Weapons Material
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:-
preferred correspondence address
age next birthday
(with or without weekly indemnity) have you chosen? Plan
1, 2, 3, 4, 5, 6, 7 or 8.
you like to make your payment? (By
Credit Card or Cheque or Direct Bank-in to Alliance Bank) Payment by
CASH is not recommended.
you like us to contact you?