Cash Before Cover – It is a fundamental and absolute special condition of this contract of insurance that the premium due must be paid and received by us before insurance cover is effective.
• Claim Procedure – You must contact us with full details as soon as possible of any Disability, incident or on the discovery of any loss or damage which may result in a claim under this product. You must also tell us if you know of any writ, summons, or prosecution against you and immediately send us every letter or document which relates to a claim.
• Maximum Sum Insured – The amount stated in the Schedule of Benefit is the maximum limit and sublimit
we will pay or reimburse in accordance to your cover type for each Insured Person. If you have selected:
i. Individual and Spouse Cover, we will, in total for all Insured Persons, pay or reimburse up to a maximum of two-hundred percent (200%) of the limit and sub-limit stated in the Schedule of Benefit for each benefit, except for the following benefits, the limits remain as per person limit; and
ii. Family Cover, we will, in total for all Insured Persons, pay or reimburse up to a maximum of three hundred percent (300%) of the limit and sub-limit stated in the Schedule of Benefit for each benefit, except for the following benefits, the limits remain as per person limit.
BENEFIT 2 – Overseas Hospital Income
BENEFIT 19 – Accidental Death and Permanent Disablement
BENEFIT 25 – Special Coverage
BENEFIT 26 – Badal Haji
BENEFIT 27 – Wakaf
BENEFIT 28 – Qurban
BENEFIT 29 – Emergency Cash
BENEFIT 33 – Hospital Allowance due to Covid-19
BENEFIT 35 – Death due to Covid-19
• Maximum Travel Duration
i. Single Trip – Each journey shall not exceed two hundred (200) consecutive days; and
ii. Annual Trip – Each journey shall not exceed one hundred (100) consecutive days.
• Eligibility – The following conditions must be satisfied in order for you to be qualified for coverage under this product:
1. At the time of arranging the journey and/or purchasing this insurance, you must be medically fit to travel and none of you are aware of any circumstances which are likely to lead to any claims under your policy;
2. At the time of purchasing this insurance, none of you have already left Malaysia for any journey meant
to be covered by your policy;
3. The journey must be solely arranged for leisure and business travel purposes. However, if you have
selected for Annual Trip, we shall exclude any journey where you travel daily or more than four (4) times per month to the same neighbouring country for employment or business purposes.
4. At the time of purchasing this insurance and during the journey, you must be a Malaysian, or non-
Malaysian who has a permanent resident status, valid work permit, valid student permit or Malaysia My Second Home (MM2H) status;
5. The journey must commence from Malaysia;
6. You must return to Malaysia at the end of your journey (not applicable to One-Way Trip); and
7. Age limits (all ages refer to the age of your next birthday):
i. If you are covered under Individual Cover, Individual and Spouse Cover or Family Cover, you must be
between thirty (30) days old to seventy (70) years old;
ii. If you are covered under Senior Cover, you must be between seventy-one (71) to eighty-five (85) years
old;
iii. If you are the Child covered under Family Cover, you must be between thirty (30) days old to seventeen
(17) years old, or twenty-three (23) years old if studying as a full-time student at the commencement of
the journey; and
iv. If you are covered under Annual Trip, you must be between thirty (30) days old to seventy (70) years
old. For Annual Trip, your policy can be renewed up to eighty-five (85) years old.
Note: This list is non-exhaustive. Please refer to the master policy wording for the full list of terms and
conditions under this product.
This product does not cover:
• War or any act of War, declared or not;
• Your direct participation in strikes, riots and civil commotion or insurrection;
• You, your travel companion’s, family member’s provoked murder or assault, intentional self-injury, suicide
or attempted suicide while sane or insane;
• You, your travel companion’s, family member’s deliberate exposure to exceptional danger (except in an
attempt to save human life);
• If one (1) of the reasons of your journey is to obtain overseas medical treatment, vaccination, medical
check-up, care or advice regardless of whether this is the sole or main purpose of your journey;
• Pre-existing condition (not applicable to Benefit 7);
• Epidemic and/or pandemic (not applicable to Section G – Covid-19 Benefits);
• Act of terrorism (not applicable to Benefits 8, 9, 10, 11 and 25);
• An incident or circumstance of which you were aware of or could reasonably be expected to be aware of
at the time of purchasing this insurance or booked your travel (whichever occurs last) and which could
reasonably be expected to lead to a claim under your policy;
• If you do not take precaution to avoid a claim after there was a warning in the mass media of a strike, riot,
bad weather or other circumstances;
• Any circumstances that already existed or are known to the public before you book your travel;
• Mountaineering or any activity above three thousand (3,000) metres height (not applicable to Benefit 25);
and
• Travel Cancellation or Travel Alteration due to Covid-19 with policy issue date of less than seven (7) days
prior to the journey commencement date.
NOTE: Please refer to the policy wording for full description of benefits, terms and conditions, and exclusions under the product.
