All you want to know about the...

THE PERSONAL SENTINEL Version 2


FREQUENTLY ASKED QUESTIONS (FAQs)

Q1. Who is eligible? Q2. Am I covered at home, work or at leisure? Q3. Does this plan pay in addition to any other insurance policy that I may have? Q4. When will my coverage be effective?
Q5. When am I entitled for Daily Hospital Income benefit? Q6. What is Traditional Treatment benefit? Q7. How will I be entitled for Renewal Bonus? Q8. If there are changes to my life profile, must I inform the Insurer?
Q9. What telephone number to call in case of emergency? Q10. Are there any excluded occupations? Q11. Are there any exclusions? Q12. How do I sign up for The Personal Sentinel v2?

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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).

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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.

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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.

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Q4. When will my coverage be effective? A4. Your coverage will be effective upon the receipt of premiums and approval by the insurer.

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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.

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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.

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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.

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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.

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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.

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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

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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

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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?

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Call our Mobile Service Line 012-6597262 for an appointment!

or if you prefer, you may e-mail us at kooagency@yahoo.com

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