schedule of benefits: worldwide travel · theft of property during trip pays for physical loss or...

Tune Protect Malaysia Tune Insurance Malaysia Berhad

Company No.: 197601004719 (30686-K)

Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur

Tel 1800 88 5753 Fax +603 2094 1366 Website tuneprotect.com

of 23

Tune Protect Travel - AirAsia (Annual Plan). Please read the policy contract and schedules carefully.

SCHEDULE OF BENEFITS: WORLDWIDE TRAVEL

Summary of benefits Worldwide Sum Insured (MYR)

Individual Plan Family Plan 1 ACCIDENT BENEFIT

Accidental Death or Total Permanent Disability to Insured Person (s) Up to 100,000

(Age 18 to 65)

Up to 100,000

(Age 18 to 65)

Up to 50,000

(Age 66 to 75)

Up to 50,000

(Age 66 to 75)

Maximum per family

-

Up to 20,000

(Child – 30 days to 21

years)

-

Up to 300,000

2 TRAVEL INCONVENIENCES

(a) TRIP CANCELLATION Reimbursement for loss of irrecoverable deposits or charges paid in

advance

Up to 10,000

Up to 30,000

(b) TRIP CURTAILMENT

Reimbursement for unused and non-refundable expenses

Up to 10,000

Up to 30,000

(c) BAGGAGE & PERSONAL EFFECTS

i) LOSS / DAMAGE TO BAGGAGE & PERSONAL EFFECTS Pays for theft or damage to the baggage including items worn or carried

Max limit per item is MYR 500 Max limit for laptop / Golf Equipment MYR 1,000

Up to 3,500

(Excess 50 per insured)

Up to 10,500


ii) BAGGAGE DELAY Pays if your checked-in luggage is delayed or misplaced by airline upon arrival at your destination abroad

Up to 800

(200 every 6 consecutive hours of delay)

Up to 2,400


(d) LOSS OF PERSONAL MONEY Pays for loss of money due to Theft

Up to 1,500

Up to 4,500 (e) LOSS OF TRAVEL DOCUMENT

Pays for reasonable and necessary expenses incurred for replacement

of passport / visa, communication and accommodation

(f) AIRASIA ON TIME GUARANTEE

Delay more than 2 consecutive hours from scheduled departure

time (Applicable for AirAsia’s flight only)

Up to 200

Up to 600

(g) TRAVEL DELAY

Pays if the scheduled public conveyance is delayed for more than 6

consecutive hours

Up to 2,400


Up to 7,200


(h) MISSED FLIGHT CONNECTION

Pays if you miss the onward connecting scheduled flight at transfer

point and no alternative transportation is made available to you

within 6 hours

Up to 600


Up to 1,800


(i) TRAVEL REROUTE

Delay exceeding 6 consecutive hours from scheduled arrival time

caused by rerouting of the Scheduled AirAsia flight, as a result of

strike/industrial action, adverse weather conditions, mechanical

breakdown or life-threatening medical reason.

Up to 450

(150 every 6 consecutive

hours of delay)

Up to 1,350


hours of delay)

(j) HIJACK DISTRESS ALLOWANCE

When Your flight is hijacked and Your Trip is interrupted for more

than 6 consecutive hours

Up to 1,000


hours of detention)

Up to 3,000

(500 every 6 consecutive hours of detention)

3 MEDICAL AND EVACUATION EXPENSES

(a)

(i) MEDICAL EXPENSES REIMBURSEMENT

(DUE TO ACCIDENT AND SICKNESS)

Reimbursement of medical, hospital and treatment expenses

(including the cost of emergency dental treatment)

Up to 100,000

(age 18 to 65)

Up to 100,000

(age 18 to 65)

Up to 50,000

(age 66 to 75)

Up to 50,000

(age 66 to 75)

- Up to 20,000

(Child – 30 days to

21 years old)

-

Up to 300,000

(overall family limit)

(excess 200 for mountain sickness claim)

(excess 50 for others)

EMERGENCY MEDICAL EVACUATION (ACCIDENT & SICKNESS)

i) EMERGENCY MEDICAL EVACUATION

Emergency transportation and medical care to the nearest

medical facility

Up to 300,000

Up to 900,000

ii) EMERGENCY MEDICAL REPATRIATION

If the Insured is hospitalised abroad and is medically necessary to

return to Malaysia to continue treatment, we will pay for

reasonable transportation cost of one qualified medical attendant.

iii) MORTAL REMAINS REPATRIATION

Pays for the cost of return of mortal remains to Malaysia including

the cost of burial, embalming, casket and ceremonies if it is

mandated by legislation.


Company No.: 197601004719 (30686-K)



of 23

(b)


Company No.: 197601004719 (30686-K)



of 23

(c) COMPASSIONATE VISIT DUE TO HOSPITALISATION OF INSURED PERSON Pays for reasonable air fare and hotel accommodation for an

immediate family member to accompany Insured for more than 5

days abroad.

Up to 5,000

Up to 5,000

(d) COMPASSIONATE VISIT DUE TO INSURED PERSON'S DEATH

If the Insured dies overseas, pays for reimbursement for one person's

accommodation, communication, travel and meals to assist on the

return and burial or cremation

Up to 5,000

Up to 5,000

(e) HOSPITAL ALLOWANCE

(UP TO MAXIMUM OF 30 FULL DAYS)

Pays for each complete day if you are confined in the hospital for more

than 24 hours

Up to 4,500

(150 per full day)

Up to 13,500

(150 per full day)

4 PERSONAL LIABILITY

Indemnifies you for legal liability arising from accidental bodily injury

or accidental property damage to third party

Up to 250,000 Up to 750,000

5 HOME CARE BENEFITS

THEFT OF PROPERTY DURING TRIP

Pays for physical loss or damage to your home contents in Malaysia as

a result of theft while you are travelling.

Up to 2,000

Up to 2,000

6 TRAVEL ASSISTANCE SERVICES

24/7 TRAVEL ASSISTANCE Enquire on visa requirement, medical advice, vaccination requirements

that may be needed prior to your travel

INCLUDED

INCLUDED


Company No.: 197601004719 (30686-K)



of 23

SCHEDULE OF BENEFITS: DOMESTIC TRAVEL

Summary of benefits Domestic Sum Insured (MYR)

Individual Plan Family Plan 1 ACCIDENT BENEFIT

Accidental Death or Total Permanent Disability to Insured Person(s) Up to 100,000 Up to 100,000

(Age 18 to 65) (Age 18 to 65)

Up to 50,000 Up to 50,000

(Age 66 to 75) (Age 66 to 75)

- Up to 20,000


21 years)

Maximum per family - Up to 300,000

2 TRAVEL INCONVENIENCES

(a) TRIP CANCELLATION

Reimbursement for loss of irrecoverable deposits or charges paid in Up to 5,000 Up to 15,000 advance

(b) TRIP CURTAILMENT

Reimbursement for unused and non-refundable expenses Up to 3,000 Up to 9,000

(c) BAGGAGE & PERSONAL EFFECTS

(i) LOSS / DAMAGE TO BAGGAGE & PERSONAL EFFECTS

Pays for theft or damage to the baggage including items worn or carried

Max limit per item is MYR 500

Max limit for laptop MYR 1,000

Up to 1,000


Up to 3,000


(ii) BAGGAGE DELAY

Pays if your checked -in luggage is delayed, or misplaced by airline

upon arrival at your destination abroad

Up to 400


Up to 1,200


(d) LOSS OF PERSONAL MONEY

Pays for loss of money due to Theft

Up to 150 Up to 450 (e) LOSS OF TRAVEL DOCUMENT

Pays for reasonable and necessary expenses incurred for replacement

of passport / visa, communication and accommodation

(f) AIRASIA ON TIME GUARANTEE

Delay more than 2 consecutive hours from scheduled departure time

(Applicable for AirAsia’s flight only)

Up to 200 Up to 600

(g) TRAVEL DELAY

Pays if the scheduled public conveyance is delayed for more than 6

consecutive hours

Up to 2,400


Up to 7,200



Company No.: 197601004719 (30686-K)



of 23

(h) MISSED FLIGHT CONNECTION

Pays if you miss the onward connecting schedule flight at transfer point

and no alternative transportation is made available to you within 6 hours

Up to 400


Up to 1,200


(i) TRAVEL REROUTE

Delay exceeding 6 consecutive hours from scheduled arrival time caused by rerouting of the Scheduled AirAsia flight, as a result of strike/industrial action, adverse weather conditions, mechanical breakdown or life-threatening medical reason.

Up to 450


Up to 1,350


(j) HIJACK DISTRESS ALLOWANCE When Your flight is hijacked and Your Trip is interrupted for more than 6 consecutive hours

Up to 1,000


Up to 3,000


3 MEDICAL AND EVACUATION EXPENSES

(a) (i) MEDICAL EXPENSES REIMBURSEMENT DUE TO ACCIDENT Reimbursement of medical, hospital and treatment expenses (including the cost of emergency dental treatment)

Up to 15,000 (age 18 to 65)

Up to 15,000 (age 18 to 65)

Up to 7,500 (age 66 to 75)

Up to 7,500 (age 66 to 75)

- Up to 3,000


21 years old)

- Up to 45,000 (overall family limit)


(excess 50 per insured person)

(ii) MEDICAL EXPENSES REIMBURSEMENT DUE TO SICKNESS Reimbursement of medical, hospital and treatment expenses

Up to 500 (age 18 to 65)

Up to 500 (age 18 to 65)

Up to 250 (age 66 to 75)

Up to 250 (age 66 to 75)

- Up to 100


21 years old)

- Up to 1,500 (overall family limit)


(excess 50 per insured person)

(b) EMERGENCY MEDICAL EVACUATION DUE TO ACCIDENT

i) EMERGENCY MEDICAL EVACUATION Emergency transportation and medical care to the nearest

medical facility


Company No.: 197601004719 (30686-K)



of 23

ii) EMERGENCY MEDICAL REPATRIATION

If the Insured is hospitalised during the Trip and is medically necessary to transfer to a better medical facility to continue treatment, we will pay for reasonable transportation cost of one qualified medical attendant.

Up to 75,000

Up to 225,000

iii) MORTAL REMAINS REPATRIATION

Pays for the cost of transportation of mortal remains within Malaysia including the cost of burial, embalming, casket and ceremonies if it is mandated by legislation.

(c) COMPASSIONATE VISIT DUE TO HOSPITALISATION OF INSURED PERSON

Pays for reasonable cost of transportation and hotel accommodation for an immediate family member to accompany Insured during hospitalization for more than 5 days.

Up to 1,000

Up to 1,000

(d) COMPASSIONATE VISIT DUE TO INSURED PERSON'S DEATH

If the Insured dies during the Trip, reimbursement for one person’s accommodation, communication, travel and meals to assist on the repatriation and burial or cremation

Up to 1,000

Up to 1,000

(e) HOSPITAL ALLOWANCE

(UP TO MAXIMUM OF 30 FULL DAYS)

Pays for each complete day if you are confined in the hospital for more

than 24 hours

N/A N/A

4 PERSONAL LIABILITY

Indemnifies you for legal liability arising from accidental bodily injury or accidental property damage to third party

Up to 25,000 Up to 75,000

5 HOME CARE BENEFITS

THEFT OF PROPERTY DURING TRIP Pays for physical loss or damage to your home contents in Malaysia as a result of theft while you are travelling.

Up to 500

Up to 500

6 TRAVEL ASSISTANCE SERVICES

24/7 TRAVEL ASSISTANCE Enquire on visa requirement, medical advice, vaccination requirements that may be needed prior to your travel

INCLUDED

INCLUDED

Ver 26.06.2020

Important Notice: -

Please be informed that 6% Service Tax will be charged for all taxable general insurance policies with a period of insurance commencing

on or after 1st September 2018.


Company No.: 197601004719 (30686-K)



of 23

Tune Protect Travel - AirAsia (Annual Plan)

Upon payment of the premiums and issuance of the Policy, We agree to provide insurance coverage to the Insured Person against loss covered as

set out in this Policy subject always to the terms, conditions and exclusions contained in the Policy.

Policy Definitions

Accident refers to an event causing Bodily Injury

due to violent, external and visible means.

Air Ticket An electronic acknowledgement

generated upon an internet purchase

which is entitled “Itinerary” for Your

journey issued by a licensed commercial

aircraft. Such journey must originate from

Malaysia.

Annual Plan A Policy for multiple Trips over the period

of insurance up to 60 consecutive days

From the Time of departure to the date

of return to Malaysia.

AAN AAN shall mean Asia Assistance Network

(M) Sdn Bhd who is a third party

administrator and assistance service

provider who shall assist Us on the

business and management of call centre

services, including medical, non- medical

and emergency related services.

Bodily injury Injury or death suffered by the Insured

Person caused solely by Accident.

Certificate of Insurance

refers to the electronic confirmation of

this Policy Insurance Policy

Civil War Armed opposition between two or

more parties belonging to the same

country where the opposing parties are

of different ethnic, religious or

ideological groups.

Child/Children Unemployed and unmarried

Child/Children aged between 30 Days

and 21 years old (both ages inclusive).

Common Carrier Any land, water or air conveyance,

operated under a license for the regular

transportation of fare-paying

passengers, over fixed scheduled routes

during the Trip.

Country of Arrival Scheduled destination reflected in Your

Air Ticket.

COVID-19 refers to an infectious disease caused by

severe acute respiratory syndrome

corona virus 2 (SARS-Cov-2), exclude

any mutation or variation of SARS-CoV-

2

Curtailment Curtailed return to Malaysia from the

Trip.

Domestic Cover Travel within Malaysia.

Epidemic A sudden severe outbreak of disease

that spreads rapidly and affects, within

a very short period, an inordinately

large number of people within a

geographical region. For example, SARS

/ Swine Flu (H1N1) / Bird Flu.


Company No.: 197601004719 (30686-K)



of 24

Extreme Sports and activities

Any activity that involves a high level of

expertise, exceptional physical exertion,

highly specialized gear or stunts and

involves exposure to risk including but not

limited to big wave surfing, canoeing down

rapids, cliff jumping, horse jumping, ultra-

marathons and stunt riding.

Family Means your legal spouse and Child /

Children insured under the same Policy.

First Departure Date Means departure date from Malaysia as

shown on the Insured Person’s Air Ticket

Foreign War Means armed opposition.

Hospital Means a registered medical institution

operated pursuant to law for the care

treatment of sick or injured persons with

organized or arranged facilities for

medical treatment and having 24- Hour

nursing facilities. This shall not include any

institution for the aged, chronically ill or

convalescent, resting or nursing homes.

Home The usual place Insured Person(s)

resides in Malaysia.

Home Contents Household furniture, fixtures, fittings and

furnishings, clothing and personal items of

the Insured Person or to his/her Family or

domestic servants permanently residing

with him/her excluding antiques,

artefacts, paintings, objects of art or

intrinsic value, manuscripts, financial

securities of any kind, money, stamps,

travel document, credit cards, bonds,

coupons, negotiable instruments, title

deeds, driving license and identity cards.

Immediate Family Member

An Insured Person’s:-

(i) Legal Spouse;

(ii) Children (biological and/or

adopted);

(iii) Children-In Law;

(iv) Siblings;

(v) Parents;

(vi) Parents-In-Law;

(vii) Grandparents;

all of whom residing in Malaysia.

Insured Person/You

/Your

Any person who is insured under this Policy.

Loss of Limb Loss by physical severance of a hand at or above the wrist or of a foot at or above the ankle.

Loss of Sight Total and irrecoverable loss of sight.

Mountain Sickness A physiological change and pathological effect of high altitude on humans, caused by acute exposure to low partial pressure of oxygen at high altitude.

Pandemic refers to an outbreak of infectious disease. Infectious or contagious disease means any disease capable of being transmitted from an infected person, animal or species by any means.

Period of Insurance shall mean the duration of the policy as

stated in the policy schedule or

certificate of insurance.

Physician A properly qualified doctor or medical

practitioner licensed by the medical

authorities of the country in which

treatment is provided and who is

practicing within the scope of his/ her

license and training.

Policy This contract, endorsement, schedules,

Certificate of Insurance and/or any other

documents that we may rely on for this

Policy.


Company No.: 197601004719 (30686-K)



of 24

Pre-Existing Condition

Any Sickness, disease or other medical

condition of the Insured Person or an

Immediate Family Member which had

arisen within 120 days prior to the

effective date or issuance of the Policy.

This includes any symptom that was

present or known which worsened for

which an ordinarily prudent person will

seek diagnosis, care or treatment; or for an

illness which the Insured Person is already

under treatment or a treatment has been

recommended by a Physician.

Property Irregularity Report

A report produced by the Common Carrier

and/or the airlines stating the cause and

extent of loss.

Reasonable and Customary Charges

The usual expenses which is charged for

medical/Hospital treatment, supplies or

services medically necessary to treat the

Insured Person’s condition

Scheduled Time Time provided on Air Ticket; or New

departure Time which an airline operator

had advised the Insured Person not less

than 24 hours from the original scheduled

Time of flight.

Serious Illness Whenever applied to the Insured

Person(s) it shall mean Sickness certified

as being life threatening and requiring

immediate treatment by a Physician and

which results in the Insured Person(s)

being certified by that Physician as unfit to

travel or to continue with his/her original

flight.

Sickness/ Illness Means any noticeable change in the

physical health of an Insured Person that

requires the care of a Physician acting

within the scope of his/her license to treat

the Sickness and the nature of the Illness is

not excluded from this present policy.

Theft refers to permanent loss or damage of

personal property or belongings by an

unknown third party where:

(i) there is physical evidence of a break-

in of a premise where they are kept

during the Trip, or

they are taken without Your consent,

whether forcibly or otherwise.

Time Any reference to a Time or a date in the

Policy context or in the context of a

coverage period refers to Malaysian

Time.

Total Permanent Disability

Injury which, having lasted for a

continuous period of twelve (12)

calendar months from the date of

Accident, entirely prevents the Insured

Person from engaging in gainful

employment of any and every kind and

for which there is no hope of recovery.

Trip The journey commencing from the Time

the Insured Person leaves his/her place

of residence or business, for the direct

travel journey to the intended

destination which shall not exceed 24

hours prior to booked departure Time

and cease on whichever occurs first: -

a) The expiry of the period of

insurance specified in the

Certificate of Insurance

b) The Insured Person’s return to the

place of residence or business

(Whichever is earlier) in Malaysia

c) Twenty-four (24) hours after arrival

in Malaysia (Not applicable for

travel within Malaysia).


Company No.: 197601004719 (30686-K)



of 24

Travel Companion The Insured Person’s sole travelling

companion (Whom the Insured

Person’s entire Trip depends on).

We/Us/Our Tune Protect Malaysia (Tune Insurance

Malaysia Berhad)

Worldwide Cover Travel outside of Malaysia to:

Asia Pacific Area 1:

Australia, Bangladesh, Bhutan, Brunei,

Cambodia, China Hong Kong, India,

Indonesia, Japan, South Korea,

Kazakhstan, Kyrgyzstan, Laos, Macau,

Maldives, Myanmar, Mongolia, Nepal,

New Zealand, Pakistan, Philippines,

Sikkim, Singapore, Sri Lanka, Taiwan,

Timor Leste, Thailand, Tibet, Uzbekistan,

Vietnam

Worldwide Area 2:

Excluding USA, Canada,

Afghanistan, Belarus, Cuba,

Democratic Republic of Congo, Iraq,

North Korea, Russian Federation (inc

Crimea), Somalia, Sudan, Syria and

Zimbabwe

Worldwide Area 3:

Excluding Afghanistan, Belarus, Cuba,

Democratic Republic of Congo, Iraq,

North Korea, Russian Federation (inc

Crimea), Somalia, Sudan, Syria and

Zimbabwe


Company No.: 197601004719 (30686-K)



of 24

POLICY BENEFITS SECTION 2 - TRAVEL INCONVENIENCE BENEFIT

SECTION 1 - DEATH AND TOTAL PERMANENT DISABILITY

YOU CAN CLAIM if:

(i) An Accident happens to the Insured Person during

the Trip, and

(ii) The Insured Person suffers Bodily Injury resulting in death

and/or Total Permanent Disability

WE WILL PAY up to a maximum 100% for the following Events:

(i) Accidental Death

(ii) Total and irrecoverable loss of sight of an eye or both eyes

(iii) Permanent loss of use of one or both limbs

(iv) Total and irrecoverable loss of sight of one eye and loss

of use of one limb

(v) Total Permanent Disability, other than loss of sight

or limb

CONDITIONS:

Such death or Total Permanent Disability occurs within 180

calendar days immediately after the date of Accident.

COVID-19 BEREAVEMENT ALLOWANCE

We will pay a lump sum of RM5,000 to the Insured Person’s legal

representative in the event the Insured Person contracts COVID-19

during the Trip resulting in :

i) death during the Trip; or

ii) death within the first thirty (30) days upon returning

from the Trip.

Exposure and Disappearance Extension following an Accident

(i) Exposure Extension - Covers the Insured Person for any

unavoidable exposure of death or Total Permanent

Disability under this Policy

(ii) Disappearance Extension - If the remains of the Insured

Person has not been found within one (1) year from the

time of an Accident, it will be presumed that the Insured

Person is no longer alive and We will pay death benefit

under this Policy. However, if subsequently after payment

the Insured Person is found to be alive, the person to whom

the death benefit is paid shall refund to Us such sum.

SECTION 2 (a) – TRIP CANCELLATION SECTION 2 (b) – TRIP CURTAILMENT

YOU CAN CLAIM for the costs of necessary and unavoidable

cancellation of air-ticket, hotel, tours or car rental, and prepaid

admission tickets arising from causes beyond control occurring to

the Insured Person, their Immediate Family Members or Travel

Companion within 14 days prior to original scheduled departure

from Malaysia as stated in the Policy, or if the Insured Person is

necessarily and unavoidably prevented from continuing the Trip and

has to return to Malaysia, which is as a result of: -

1) a disability to the above persons resulting in:

(i) death;

(ii) Total Permanent Disability; or

(iii) an admission as an in-patient in a Hospital where such

admission is medically necessary;

2) a fire or natural disaster resulting in serious damage to the

Insured Person’s place of residence in Malaysia or destination

of planned trip

3) any unexpected event, excluding strike, which:

(i) leads to widespread violence;

(ii) is not due to reasons for purposes of asserting sovereign

rights and/or operating on behalf of a sovereign state;

(iii) puts your life in danger; and/or

(iv) following the advice and/or warning of the Malaysian

government or the government of the destination

country declaring unsafe conditions for travel through or

by general mass media;

(v) natural disasters including but not limited to volcanic

eruption, flood, earthquake, tsunami, hurricane or

wildfire occurring at destination of planned Trip.

Section 2(a) – Trip Cancellation is applicable, where You

and/or Your Immediate Family are tested positive for COVID-

19 prior to First Departure Date of the scheduled trip.

WE WILL PAY reasonable and necessary travel and accommodation expenses which have been paid in advance

and/or not recoverable from any relevant parties.


Company No.: 197601004719 (30686-K)



of 24

CONDITIONS: (vi) the events should occur within 14 days prior to the

original Scheduled Time of departure from Malaysia as stated in the Policy.

(vii) such claims due to strike and natural disasters should

be made against relevant parties prior to us making any

payment under this benefit. Such claims must be

submitted with proof of compensation received from

these relevant parties or if such compensation is denied,

proof of such denial.

(viii) This Policy will only pay for one claim made either under Section 2 (a) for Trip Cancellation or Section 2 (b)

for Trip Curtailment as stated in the Schedule of

Benefits.

(ix) General Exclusions apply.

WE DO NOT PAY:

(a) For any loss caused by:

i. criminal acts committed by the Insured Person;

ii. war, riot, popular movements, terrorist acts;

iii. Pre-existing Conditions;

iv. any effect of a source of radioactivity;

v. pollution; vi. Epidemics subject to exception specified in Section 2

(a) Trip Cancellation;

vii. Pandemic subject to exception specified in Section 2 (a) Tripl Cancellation;

viii. bankruptcy;

ix. climatic events such as lack of snow, etc.;

x. for any loss, which is compensated by the airline

operator

(b) Claims arising directly or indirectly from, in

respect of, or due to:

(i) Government regulation or Act, delay or amendment

of the booked Trip (excluding error, omission or

default) by the provider of any service forming part of

the booked Trip as well as the travel agent or tour

operator through whom the Trip was booked.

(ii) Bankruptcy, insolvency, liquidation or default of travel agencies or Common Carrier.

(iii) Your business, financial or contractual obligation or those of your travelling companion.

(iv) Your reluctance to travel or financial circumstances.

A result of unlawful act or criminal proceedings of any

person on whom the booked Trip depends other than

attendance in a Court of Law is legally required.

SECTION 2 (c) – BAGGAGE & PERSONAL EFFECTS

SECTION 2 (c) (i) – LOSS / DAMAGE TO BAGGAGE &

PERSONAL EFFECTS

YOU CAN CLAIM for events due to:

(i) a Theft or damage due to a Theft or an attempted Theft;

(ii) loss or damage to the Insured Person’s baggage, clothing and

personal items, whether checked in or hand carried, caused

by an airline operator or Common Carrier.

WE WILL PAY at our sole discretion, whichever is the lesser in cash

value, any one of the following options:

(i) original cash value of the items less depreciation; or

(ii) cost of replacement of a similar make and model; or

(iii) cost of repair of the items,

Note: Where any item consists of items in a set, We shall not be liable

to pay more than the proportionate value of any part(s) which may be

lost, without reference to any special value which such item may have

as a part of such set. We may at our discretion elect to either repair or

replace or restore any part or the set to its value before the loss or pay

the difference between the cash value of the loss or damage of

covered luggage and personal items before and after the loss. All

jewellery, articles trimmed with or made mostly of fur, portable

photographic, cinematographic, computer or telephone equipment,

equipment for the recording of sound or pictures and its accessories,

are only covered against Theft if such item or equipment are physically

carried along personally by the Insured Person during the Trip, and not

checked in.

CONDITIONS:

(i) These items must travel together with the Insured Person during

the Trip.

(ii) General Exclusions apply.

WE DO NOT PAY

(a) For 1. Animals. 2. Automobiles and automobile equipment, trailers and

caravans, boats and other means of transport equipment.

3. contraband or illegal goods. 4. documents, identity papers, credit and payment cards,

transport tickets, cash, stocks and securities.

5. equipment for professional use. 6. eye glasses, contact lenses, hearing aids, prosthetic

limbs, artificial teeth or dental bridges.


Company No.: 197601004719 (30686-K)



of 24

7. toiletries, cosmetics of any kind. 8. accessories of any kind including fashion accessory. 9. films, tapes, cassettes, cartridges or discs, pen-

drive, memory card and the like, hand- held mobile

telephones, pagers, portable computer equipment

including personal digital assistant and its

accessories.

10. Keys.

11. musical instruments, objects of art, antiques,

collector’s items, furniture, sculptures.

12. traditional herbs, perishables and

consumables.

13. ski sets, bicycles, sailboards, golf clubs, tennis rackets

and other sporting equipment.

Note: Golf Clubs – This exclusion is not applicable for Worldwide

Travel Plan.

(b) Any loss or damage resulting from: -

1. fragile items including but not limited to

cameras, musical instruments, radios and such

similar property.

2. confiscation or requisition by order of any

governing authority.

3. criminal acts.

4. gradual deterioration or fair wear and tear.

5. insects or vermin.

6. inherent vice or damage.

7. mysterious disappearance.

8. transportation of contraband or illegal trade.

9. seizure whether for destruction under

quarantine or custom regulation or not.

(c) Any loss of or damage to property which, at the Time of

the happening of such loss or damage, is insured by or

would, but for the existence of this Insurance, be

insured by any other insurance policy or policies, or

otherwise reimbursed/replaced by the airline operator.

Section 2 (c) (ii) Baggage Delay

YOU CAN CLAIM for every six (6) consecutive hours whereby Your

checked-in baggage is delayed, misdirected or temporarily

misplaced by the airline operator the Time of their arrival at the

scheduled destination abroad till the Time the Insured Person

received their baggage.

WE WILL PAY RM 200 for every six (6) consecutive hours of delay

up to the limit stated in the Schedule of Benefits.

CONDITION(S):

(a) This Policy will only pay for one claim made either under

Section 2 (c) (i) or Section 2 (c) (ii) above.

(b) General Exclusions apply.

WE DO NOT PAY for:

1. Baggage delay not immediately reported to the airline

operator.

2. Confiscation or detention by customs immigration and/or

public authorities.

3. Baggage delay on your return journey to Malaysia.

4. Your failure to obtain a written confirmation from the

carriers or their handling agents on the actual date and Time

of baggage delivery.

SECTION 2 (d) – LOSS OF PERSONAL MONEY

SECTION 2 (e) – LOSS OF TRAVEL DOCUMENT

YOU CAN CLAIM for actual loss of cash, bank or currency notes,

travelers cheques, postal or money orders under Section 2(d), or loss

of travel document under Section 2(e) due to Theft during the Trip.

WE WILL PAY the Insured Person up to the limit as specified in Section

2(d) for Loss of Personal Money in the Schedule of Benefits.

WE WILL PAY and reimburse the Insured Person up to the limit

stated in Section 2(e) for Loss of Travel Document in the Schedule

of Benefits and shall reimburse the reasonable and necessary

expenses for

(i) replacement of such passport and/or visa;

(ii) communication;

(iii) meals and/or accommodation; and

(iv) travel at the place of loss; of which are incurred for the

purpose of obtaining replacement passports, travel tickets

and other relevant travel documents.

CONDITIONS

(i) The lost items are within the Insured Person’s

control or custody at all Times; and

a) the loss must be due to Theft

b) the items must not be left unattended; and

c) such loss is reported to the police having jurisdiction at

the place of loss immediately but in no case, be later

than 24 hours after the incident. Any claim must be

accompanied by written documentation from the Police.

(ii) General Exclusions apply.


Company No.: 197601004719 (30686-K)



of 24

WE DO NOT PAY

(i) for any loss of cash, bank or currency notes, travelers

cheques, postal or money orders kept in the check-in

luggage with a Common Carrier.

(ii) for claims in respect of:

a) Loss or damage arising from delay or confiscation or

detention by Customs or other Officials.

b) Loss or damage whilst in the custody of an airline or

other carrier, unless reported immediately on discovery

and in the case of airline a Property Irregularity Report is

obtained. A claim must be made against the carriers and

other relevant authorities.

c) Loss not reported to the police within 24 hours and

report not obtained at the place of loss.

d) Loss or Theft of property left unattended in a Public Place

or in an unattended vehicle or as a result of your failure

to take due care and precautions for the safeguard and

security of such property.

(iii) Loss or damage to property otherwise reimbursed by a

Common Carrier or a hotel.

SECTION 2 (f) – AIRASIA ON TIME GUARANTEE

YOU CAN CLAIM

RM200 only if Your Scheduled Flight is delayed for at least 2

consecutive hours from the original scheduled time printed in

Your itinerary or any new departure time which AirAsia has

advised You, not less than twenty- four (24) hours from the

original scheduled time of flight departure on the flight itinerary.

CONDITION

The delay shall be calculated from the original scheduled time until

the commencement of the first available alternative flight offered

by AirAsia.

WE DO NOT PAY For loss, directly or indirectly due to: -

(a) any illegal or unlawful intentional act by You.

(b) any breach of government regulation or any failure to avoid a

claim under the Policy following the warning of any intended

strike, riot or civil commotion through mass media. (c) Your failure to check in according to the itinerary. (d) Your failure to board the next available flight offered by AirAsia.

(e) airport closure, airport curfew, strike, air traffic flow

management restrictions or industrial action of other

companies/carrier already in existence on the date of the

Scheduled Flight.

(f) any prohibition or regulations by any government

authority.

(g) You are not fit to travel or is travelling against the medical

advice of a Physician.

(h) any rescheduling or delay which You have been made aware of

twenty-four (24) hours prior to the First Scheduled Departure

Time in the travel itinerary.

(i) any travel insurance purchased within four (4) hours from the

First Scheduled Departure Time.

SECTION 2 (g) – TRAVEL DELAY

YOU CAN CLAIM If the departure of the scheduled public conveyance

in which the Insured Person has arranged to travel is delayed from

the Time specified in the Common Carrier Ticket.

WE WILL PAY RM200 for every six (6) consecutive hours of delay up to the limit stated in the Schedule of Benefits.

CONDITIONS

(i) The delay must be verified in writing by the operator(s) of the

Common Carrier or their handling agent(s) on the number of

hours delayed.

(ii) If the Insured Person is entitled to a refund of all or part of such

expenses from another source, We will only be liable for the

excess of the amount recoverable from such other source.

(iii) General Exclusions Apply.

WE DO NOT PAY We will not pay for claims arising directly or indirectly from, in


1. The Insured Person for failure to check in according to the Air

Ticket or failure to obtain a written confirmation from the

Common Carriers or their handling agents of the number of

hours of delay

2. Strike, riot or industrial action 3. Late arrival of the Insured Person at the Carrier Terminal after

check-in Time.

SECTION 2 (h) – MISSED FLIGHT CONNECTION

YOU CAN CLAIM if the confirmed onward connecting scheduled

Common Carrier is missed at the transfer point due to the late

arrival of Your incoming confirmed connecting scheduled

Common Carrier, and no alternative onward transportation

is made available to You within six (6) hours of the actual

arrival time of Your incoming Common Carrier.

WE WILL PAY up to RM300 aggregate for Worldwide Travel

and up to RM200 aggregate for Domestic Plan.


Company No.: 197601004719 (30686-K)



of 24

CONDITIONS (i) Missed Flight Connection details to be obtained by You

must be verified in writing by the operator(s) of the

Common Carrier or their handling agent(s).

(ii) General Exclusions Apply.

SECTION (i) – TRAVEL REROUTE

WE WILL PAY

RM150 only for every 6 consecutive hours of delay thereafter

up to the maximum limit in the Summary of Benefits.

CONDITIONS

1. If Your original scheduled time of arrival is delayed for at least 6

consecutive hours due to rerouting of the Scheduled Flight, due

to strike/industrial action, adverse weather conditions,

mechanical breakdown or life-threatening medical reason.

2. The delay shall be calculated from the original scheduled arrival

time of the Scheduled Flight until the actual arrival time offered

by Airline.

3. A letter from Airline or its handling agents confirming the

duration and reason of such delay.

WE DO NOT PAY for any loss due to:- (a) delay in arrival at the destination because of delay in departure

of the Scheduled Flight.

(b) Your failure to board the next available flight offered by Airline.

(c) Your failure to obtain written confirmation from Airline or its

handling agents of the number of hours delayed and the reason

for such delay.

(d) strike or industrial action of other companies/carrier already in

existence on the date the Flight is arranged.

SECTION 2 (j) – HIJACK DISTRESS ALLOWANCE WE

WILL PAY

RM500 for every six 6 consecutive hours of delay thereafter, up to the maximum limit in the Summary of Benefits.

CONDITIONS

1. If Your flight is hijacked during your Trip and You are detained

for more than six (6) consecutive hours.

2. Provide Us with a police report or a report issued by the carrier

confirming that You were a victim of Hijack and the duration of

such Hijack.

EXTENSION OF COVER FOR SECTION 2

Cover shall be extended at Our discretion for up to thirty

(30) days from the expiry of the period of insurance for a Trip

without payment of any additional premium if the Insured Person

is hospitalized and/or quarantined overseas as recommended by a

Physician or any other

circumstances beyond the Insured Person’s control, which is deemed

reasonable by Us, prohibiting the Insured Person from returning to

Malaysia prior to the expiry of the period of insurance. This extension

of cover, if granted by Us, shall be applicable to Section 2-Travel

Inconvenience as per Schedule of Benefits.

SECTION 3 – MEDICAL AND EVACUATION EXPENSES

SECTION 3 (a) (i) MEDICAL EXPENSES REIMBURSEMENT DUE TO ACCIDENT

SECTION 3 (a) (ii) MEDICAL EXPENSES REIMBURSEMENT DUE TO SICKNESS

YOU CAN CLAIM for

(i) Domestic Cover - Medical, Hospital and treatment expenses

(including cost of emergency dental treatment for the

alleviation of sudden pain but excluding replacement of

dentures and crowns).

(ii) Worldwide Travel - Medical, Hospital and treatment expenses

(including cost of emergency dental treatment for the

alleviation of sudden pain but excluding replacement of

dentures and crowns).

(iii) Follow Up Treatment in Malaysia

WE WILL PAY the Insured Person subject to an excess up to the

maximum limit that is stipulated in accordance to the Schedule of

Benefits.

CONDITIONS

(i) The limits indicated in the Schedule of Benefits is inclusive of

charges for services provided by AAN.

(ii) Claims necessarily incurred giving rise to a claim as a direct

result of Accident or Illness sustained by the Insured Person. (iii) Follow Up Treatment in Malaysia - The maximum sum

payable for medical expenses for follow-up treatment

incurred in Malaysia must be within 30 days from the expiry

date and not exceeding 10% of the limit as specified under

Section 3(a) Medical Expenses Reimbursement in the

Schedule of Benefits. The amount is a sub-limit of the

aggregate total payable under the Schedule of Benefits for

Medical Expenses Reimbursement.

(iv) The claim must be accompanied with an official payment

receipt.

(v) General Exclusions Apply

(vi) **Special Conditions apply

SECTION 3 (b) – EMERGENCY MEDICAL EVACUATION AND

REPATRIATION

SECTION 3 (b) (i) EMERGENCY MEDICAL EVACUATION


Company No.: 197601004719 (30686-K)



of 24

YOU CAN CLAIM if an Insured Person requires

evacuation in a medical emergency due to an Accident

or Sickness* occurring during the Trip.

WE WILL PAY

AAN to organize for an emergency medical transport to the

nearest medical facility that is adequately equipped to treat

the Insured Person’s medical condition.

CONDITIONS (i) The type of transportation will depend on the availability

and the severity of the Insured Person’s condition.

(ii) *applies for Worldwide Cover only (iii) This Policy will only pay for one claim from Section 3 (b) (i) -

Emergency Medical Evacuation, Section 3 (b) (ii) - Emergency Medical Repatriation or Section 3(b) (iii) - Mortal Remains Repatriation at any one event.

(iv) General Exclusions Apply (v) **Special Conditions apply

WE DO NOT PAY

We will not pay for claims in respect of Emergency Medical

Evacuation and Repatriation due to any form of Mountain Sickness.

SECTION 3 (b) (ii) EMERGENCY MEDICAL REPATRIATION

YOU CAN CLAIM in an event that the Insured Person is hospitalized

during the Trip due to an Accident or Sickness* and it is medically

necessary for the Insured Person to be repatriated back to the

nearest Hospital to his/her place of residence in Malaysia to

continue treatment.

WE WILL PAY the reasonable and necessary transportation costs

including the reasonable transportation cost of one qualified

medical attendant.

CONDITIONS

(i) During emergency medical transportation, Asia Assistance

Network (AAN) must be contacted immediately to approve all

Emergency Medical Repatriations.

(ii) We retain the right to decide whether emergency medical

transportation is required or not.

(iii) *applies for Worldwide Cover only

(iv) This Policy will only pay for one claim from Section 3 (b) (i) - Emergency Medical Evacuation, Section 3 (b) (ii) – Emergency Medical Repatriation or Section 3(b) (iii) - Mortal Remains Repatriation at any one event.

(v) General Exclusions Apply

(vi) **Special Conditions apply

WE DO NOT PAY

We will not pay for claims in respect of Emergency Medical


SECTION 3 (b) (iii) MORTAL REMAINS REPATRIATION

YOU CAN CLAIM if the Insured Person dies due to an Accident or Sickness* during the Trip.

WE WILL PAY

Asia Assistance will organize the transportation of his/her mortal

remains to his/her habitual residence in Malaysia subject to the

maximum limit as specified for Emergency Medical Evacuation and

Repatriation in the Schedule of Benefits.

CONDITIONS (i) The process of burial, embalming, basic casket is covered if it is

mandated by legislation or regulation. Ceremonies and ritual

rites are not covered in the repatriation coverage. (ii) *applies for Worldwide Cover only (iii) This Policy will only pay for one claim from Section 3(b) (i) -

Emergency Medical Evacuation, Section 3 (b) (ii) - Emergency Medical Repatriation or Section 3(b) (iii) - Mortal Remains Repatriation at any one event.

(iii) General Exclusions Apply (iv) **Special Conditions apply

WE DO NOT PAY We will not pay for claims in respect of Emergency Medical


SECTION 3 (c) – COMPASSIONATE VISIT DUE TO HOSPITALISATION OF

INSURED PERSON

YOU CAN CLAIM if the Insured Person is hospitalised overseas for

more than 5 days as a result of Accident or Sickness* sustained

whilst on the Trip and his/her medical condition forbids evacuation.

WE WILL PAY for the reasonable travel fare (economy air travel or

first class rail travel) and hotel accommodation expenses

necessarily incurred by one relative or one friend to visit and stay

with You in the event such visit or stay is recommended by a

Physician.

CONDITIONS

i. Recommended by a Physician, up to the maximum limit as

specified for Compassionate Visit in the Schedule of Benefits.

ii. If You are hospitalised after being tested positive for COVID-19

as declared by order of the relevant government authorities or

a recognized public health authority of the country in which You

are visiting during the trip.

iii. *applies for Worldwide Cover only iv. This Policy will only pay for any claim under Section 3 (c) or

Section 3(d).

v. General Exclusions Apply

vi. **Special Conditions apply


Company No.: 197601004719 (30686-K)



of 24

SECTION 3 (d) – COMPASSIONATE VISIT DUE TO

INSURED PERSON’S DEATH

YOU CAN CLAIM upon accidental death of the Insured Person while

on a scheduled Trip.

WE WILL PAY and reimburse the reasonable and necessary

additional expenses incurred by 1 person for accommodation,

communication, travel and meals. CONDITIONS

(i) This Policy will only pay for any claim under Section 3 (c) or

Section 3(d).

(ii) General Exclusions Apply

(iii) **Special Conditions apply

SECTION 3 (e) – HOSPITAL ALLOWANCE (UP TO MAXIMUM OF 30 FULL DAYS)

YOU CAN CLAIM if the Insured Person suffers from a

Sickness / Illness while on an Overseas Trip which requires

admission as an in-patient in a Hospital overseas and such

admission is medically necessary.

WE WILL PAY for every full day of admission at and up to the amount specified in Section 3 (e) of the Schedule of Benefits for Worldwide Cover.

CONDITIONS

(i) Worldwide Cover

(ii) General Exclusions Apply

(iii) **Special Conditions apply (iv) If You are hospitalised after being tested positive for COVID-

19 as declared by order of the relevant government authorities or a recognized public health authority of the country in which You are visiting during the overseas trip.

**Special Conditions Applicable to Section 3 We are not liable to pay:-

1) costs for medical care except that prescribed by a licensed

Physician or which is delivered by a recognized Hospital;

2) for any loss, which is directly or indirectly, in whole or in

part, due to:-

(i) Civil or Foreign War, whether declared or not;

(ii) The effect of drugs, medication or treatment not

prescribed by a Physician;

(iii) The influence of alcohol characterized by a blood

alcohol level of the Insured Person;

(iv) Suicide, attempted suicide or intentionally self-

inflicted injury;

(v) The Insured Person’s participation in a competition

involving the use of motorized land, water or air

vehicle;

(vi) The Insured Person’s participation in any

professional sports, Extreme Sports and Activities;

(vii) The Insured Person flying whether as a fare- paying

passenger or not, in or on an aircraft that does not belong to

an airline company or which is not registered or licensed for

the transportation of fare- paying passengers on regular and

published scheduled routes;

(viii) The Insured Person’s active service in any of the armed forces

of any nation;

(ix) The participation or involvement of the Insured Person in a

criminal act;

(x) The Insured Person’s practice or utilization, either as pilot or

passenger, of a sailplane, hand glider, parasail, parachute,

hot air balloon, and the like, or engaging in any aerial flight

other than that as previously expressed.

3) We are not liable for expenses incurred due to:

(i) Pre-Existing Conditions;

(ii) Pregnancy and its consequences;

(iii) mental or emotional disorder;

(iv) sexually transmitted diseases, AIDS, HIV

infections and AIDS related infections;

(v) cosmetic surgery, apart from reconstructive surgery in

consequence of a covered Accident;

(vi) follow-up non-medical treatment of any kind resulting

from an Accident or Sickness, psychoanalytical treatment,

stays in rest homes, physiotherapy and detoxification;

(vii) ophthalmologic care, eye glasses, contact lenses, hearing

aids, dental care and dentures, unless they are the direct

consequence of an injury from a covered Accident, which

makes usage medically necessary;

(viii) non-emergency medical check-ups;

(ix) vaccinations and their complications.

SECTION 4 – PERSONAL LIABILITY COVER

YOU CAN CLAIM for claims by a third party for (a) Accidental bodily

injury to persons; and (b) Accidental damage to property, both of

which happen during the Trip.

WE WILL PAY and indemnify the Insured Person against his/her

personal legal liability to a third party claimant for damages and any

third party claimant’s cost and expenses up to the maximum limit

specified for Personal Liability in the Schedule of Benefits.


Company No.: 197601004719 (30686-K)



of 24

CONDITIONS

a) The total aggregate limit of liability for all claims under this

section in respect of such damages and/or costs and

expenses incurred with Our written consent in the defence or

settlement of any such claim shall not exceed the maximum

limit specified for Personal Liability in the Schedule of

Benefit.

b) Upon the happening of any event which may give rise to a

claim under this Section, the Insured Person shall within

Thirty (30) days therefrom give Us written notice with full

particulars. Every letter, claim, writ of summons or process

in respect of such claim shall be forthwith forwarded to Us

upon receipt of the same by the Insured Person. No

admission offer promise payment or indemnity shall be

made or given by or on behalf of the Insured Person without

Our written consent which shall be entitled to take over and

conduct in the name of the Insured Person the defence or

settlement of any claim or to prosecute in the name of the

Insured Person for its own benefit, any claim and shall have

full discretion in the conduct of any proceedings and in the

settlement of any claim. The Insured Person shall give all

such assistance as We may require.

c) General Exclusions Apply

WE DO NOT PAY

We shall not be liable for any liability in respect of the

following: -

1) deliberately caused by the Insured Person;

2) any non-pecuniary loss;

3) Accidental loss or damage to property belonging to or held

in trust or in the care, custody or control of the Insured

Person or any of his employees or any member of his Family

or household;

4) arising out of an agreement unless liability would have

arisen in the absence of such agreement;

5) death or accidental bodily injury to or Sickness of any

person who is under a contract of employment, service or

apprenticeship with the Insured Person when such death,

injury or Sickness arises out of and in the course of their

employment with the Insured Person;

6) arising out of the use, ownership or possession of firearms,

aircraft, watercraft, hovercraft, mechanically propelled

vehicles, lifts, animals of a dangerous species or livestock of

any kind;

7) damage caused by or to buildings or parts of building

owned, rented or occupied by the Insured Person;

8) any claim arising from an Insured Person being insane or

under intoxication (other than drugs prescribed by a

licensed Physician).

9) the Insured Person’s participation in any act of civil or

Foreign War, sabotage, riots, public demonstrations, strikes

and lockouts

10) Liability attaching under an express term of a contract, unless

liability would attach whether the express term existed or not;

11) Liability arising directly or indirectly by, through or in

connection with any loss or damage to property due to act

of animals belonging to be held in trust or in the Custody

or control of the Insured Person or your Immediate Family

Member or household;

12) Liability arising directly or indirectly by, through or in

connection with:

a) the ownership, possession or occupation of land or

buildings, immobile property or caravans other than

occupying on a temporary basis;

b) the carrying on of any trade, business or profession;

and

c) any racing or rallying activities;

13) any claim involving any of the Insured Person’s Immediate

Family Members

14) judgement(s) that is or are not in the first instance

delivered by or obtained from a court of competent

jurisdiction within Malaysia;

15) sexual molestation, physical or mental abuse;

16) golfing either in the course of play or practice;

17) any punitive, aggravated or exemplary damages awarded

by any court;

18) liability for which payment should be more specifically

claimed under any other Contract of insurance under the

name of the Insured Person.

SECTION 5 – HOME CARE BENEFIT

YOU CAN CLAIM against physical loss or damage to your Home

Contents at permanent residence in Malaysia that was left

vacant because of the Trip, caused by Theft during the period of

insurance, but only after the Trip commences.

WE WILL at our option reinstate, repair or indemnify the Insured

Person up to the amount stated in the Schedule of Benefits.

CONDITIONS

For loss or damage to any property insured forming part of a pair

or set, Our liability shall not exceed a proportionate part of the

value on the pair or set.

(i) We shall not be liable for more than RM500 in respect of

any one article or pair or set of articles. (ii) General Exclusions Apply.


Company No.: 197601004719 (30686-K)



of 24

WE DO NOT PAY We will not pay for claims arising directly or indirectly from, in


(i) Any loss or damage occasioned through the Insured

Person’s willful act.

(ii) Losses recoverable from any other insurance taken up

by the Insured Person to cover his/her Home Contents.

SECTION 6 – WORLDWIDE TRAVEL ASSISTANCE SERVICES

The Insured Person may call AAN in Malaysia to request for

the services below.

SERVICES

a) Medical Referral and arrangement of medical appointments

Upon request, AAN shall provide the name, address and

telephone number of AAN doctor, Hospitals, dentists, and

dental clinics. AAN will attempt upon request to confirm the

availability of the applicable medical or dental professional

to make an appointment for treatment. Any third party cost

incurred shall be borne by the Insured Person.

b) Visa, Passport & Inoculation Requirements

Upon request, AAN will provide the Insured Person

information concerning Visa, inoculation, passport or

immunization requirement.

c) Currency Exchange & Flights Information Upon request, AAN will provide the Insured Person

information concerning foreign exchange rates of major

currencies, flight information on the arrival and departure by

destination, Time and flight number. The information will only

be available for the present day, the day before and the date

after The Insured Person’s enquiry.

CONDITIONS

Services described herein are available 24 hours a day, 365 days

to the Insured Person travelling anywhere within the Country of

Arrival.

General Exclusions Applicable to the Policy We do not cover:-

1) any illegal or unlawful intentional act by the Insured Person;

2) death or injury directly or indirectly occasioned by war,

invasion, act of foreign enemy, hostilities or warlike operation

(whether war be declared or not), riot, Civil War, rebellion,

revolution, insurrection, conspiracy, military or usurped power,

martial law or stage of siege, any of the events or causes which

determine the proclamation or maintenance of martial law or

state of siege, seizure, quarantine or customs regulations or

nationalization by or under the order of any government or

public or local authority;

3) delay, seizure, confiscation, destruction, requisition, retention

or detention by customs or any other government or public

authority or official;

4) any violation or attempt of violation of laws or resistance to

arrest by appropriate authority;

5) the Insured Person which is below the age of 30 days or over the

age of 75 (calculated since last birthday as at the date of

insurance purchased);

6) members of the armed forces whilst on duty or whilst engaging

in or taking part in naval, military or air force service or

operations or participating in operations of an offensive nature

planned or conducted by any civil or military authorities

against bandits, terrorists or other elements ;

7) during air travel except as a fare paying passenger in any

properly licensed private and/or commercial aircraft ;

8) any serious physical injury or disability resulting directly or

indirectly from, attributed to or accelerated by the use,

release, or escape of nuclear of nuclear materials that directly

or indirectly results in nuclear reaction or radiation or

radioactive contamination; or the dispersal or application of

pathogenic or poisonous biological or chemical materials; or

the release of pathogenic or poisonous biological or chemical

materials. For purposes of this exclusion, serious physical

injury means physical injury that involves a substantial risk of

death and/or protracted and obvious physical disfiguration,

and/or protracted loss of or impairment of the function of a

bodily member or an organ;


Company No.: 197601004719 (30686-K)



of 24

9) any Pre-Existing Condition;

10) suicide, attempted suicide or any intentional self-inflicted

injuries acted upon by the Insured Person to him/herself

whether sane or insane;

11) treatment of alcoholism or drug abuse or any other

complications arising therefrom or any drug related

Accident;

12) pregnancy, miscarriage or Childbirth, or any treatment

relating to birth control or treatment pertaining to

infertility or any other complication arising therefrom;

13) psychosis, mental or nervous disorders or sleep

disturbance disorders;

14) cosmetic or plastic surgery or any elective surgery;

15) any congenital defect which has manifested or was

diagnosed before the policy commencement date;

16) any form of dental care or surgery unless necessitated

by injury caused by the Accident covered under the

Policy to sound and natural teeth ;

17) routine health check-ups, any medical investigation(s)

not directly related to admission diagnosis, Illness or

injury, or any related treatment;

18) Acquired Immune Deficiency Syndrome (AIDS) or any

complications associated with infection by any Human

Immune Deficiency Virus (HIV) (for the purpose of this

Policy, the definition of AIDS shall be that used by the

World Health Organisation; infection shall be deemed to

have occurred where blood or other relevant test(s)

indicate in Our opinion either the presence of any Human

Immune Deficiency Virus (HIV) or Antibodies to such Virus);

19) any injury sustained while serving as a crew member of

any aircraft except as a fare-paying passenger in any

aircraft having a current and valid air worthiness

certification issued by the appropriate authority of the

country of its registry ;

20) driving or riding in any kind of race involving motorized

vehicle;

21) late arrival of the Insured Person at the airport for the

Scheduled Flight after the official check-in Time;

22) failure of the Insured Person to take reasonable measure to

protect, save or recover lost luggage;

23) failure of the Insured Person to notify the relevant airline

authorities of missing luggage at the scheduled destination

point and to obtain a property irregularity report;

24) any loss, injury, damage or legal liability arising directly or

indirectly from travel in, to or through Tibet, Mongolia and

Nepal;

25) engaging practicing or participating in sport in a professional

capacity or when an Insured Person would or could earn

income or remuneration from engaging in such sport;

26) Hospital admission which is not medically necessary, or

medical recovery, custodial or rest care;

27) any loss, injury, damage or legal liability suffered or sustained

directly or indirectly by an Insured Person if that Insured

Person is :-

a) a terrorist or member of a terrorist organisation; or

b) dealer of nuclear,

chemical or biological weapons;

c) narcotics trafficker.

28) any loss resulting directly and indirectly (in whole or in

part) from:

(a) Pandemic

(b) Epidemic Subject to the exceptions of COVID-19 Bereavement Allowance, Section 2(a) – Trip Cancellation, Section 3 (c) Compassionate Visit due to hospitalization of Insured Person , Section 3 (e) – Hospital Allowance (Up to Maximum of 30 Full Days).

General Conditions Applicable to the Policy

1) Basis of Contract

This Policy shall form the basis of understanding and

agreement between You and Us. Therefore, observation and

fulfilment of the terms and conditions by You shall be

condition precedent to any liability for Us to make any

payment under this Policy

2) Misrepresentation / Fraud

The Policy shall be declared null and void and the benefits shall

not be payable if: -

a. there is failure to disclose or misrepresentation of any

material fact with respect to the Insured Person that

determines the existence and premium of the Policy

and/or

b. there is fraud.


Company No.: 197601004719 (30686-K)



of 24

3) Amendments We reserve our rights to amend the terms and conditions of

this Policy which shall be binding on all persons whether

insured under the Policy prior to, during, or after the

effective date of the amendment.

4) Currency of Payment

Payment of any claim covered under this Policy shall be made

in Ringgit Malaysia or its equivalent in any other currency at

the prevailing rate of exchange as declared by Bank Negara at

the Time of effecting payment.

5) Ages

All ages referred to in this Policy shall be the age of the

Insured Person at his/her last birthday.

6) Country of Residence

Coverage provided to You is subject to either their residence

in Malaysia or for non-residents, to their travel through

Malaysia or to their transit through a Malaysian Airport.

7) Notice and Procedures of Claims

(a) When a claim is made, the Insured Person or the legal

representative shall:-

(i) notify Us in writing as soon as possible but not later

than thirty (30) days after any event which may give

rise to a claim by filling up the claim form as We have

provided; any delay must be supported by justifiable

reasons and the acceptance is at Our sole discretion

(ii) furnish in writing to Us, at Your own cost, evidence and proof including but not limited to information, particulars, accounts, original receipt, tickets, invoices, Insured Person’s statements, physician’s letter, reports and any other documents as We require in such form as prescribed

(b) Failure to comply with this condition will render

the claim not payable.

8) Claims Payable & Discharge

Claim for loss of life in respect of the Insured Person is payable

to the nominee(s) elected by the Insured Person and if there

is no nominee, to the legal beneficiary as stipulated under

the Probate or Letters of Administration, or for foreigners,

any equivalent document in accordance with the Insured

Person’s country’s laws. Claim for all other benefits will be

paid to the Insured Person or his/her estate upon death. The

process of claim including settlement shall be handled

between the Insured Person or his/her nominee or his/her

estate and Us as the case may be, whose sole discharge will

constitute full and final discharge of the claim lodged.

9) Sanctions Clause

We are not liable to make any payment under this Policy where

the Insured Person or any beneficiary under the Policy is a citizen

or agent of the government of any country against which any

laws and/or regulations governing this Policy and/or Our parent

company or Our ultimate controlling entity has established an

embargo or other form of economic sanction which have the

effect of prohibiting Us to provide insurance coverage or

transacting business or offering economic benefits to the

Insured Person or any other beneficiary. It is further understood

and agreed that no benefits or payments will be made to any

beneficiary who is declared unable to receive economic benefits

under the laws and/or regulations of Malaysia.

10) Receipts

We shall not be bound by any notice or any trust charge, a lien,

assignment or other dealing with this Policy. The receipt by the

Insured Person for any compensation payable herein discharge

Us from all liabilities.

11) Arbitration Clause

Any dispute which may arise between You and Us in relation to

this Policy or rights or liabilities of parties hereto shall be referred

to the Asian International Arbitration Centre (AIAC) in accordance

to the AIAC Arbitration Rules.

12) Limitation of Time If a claim is made under the Policy and rejected by Us, it is a

condition precedent that the Insured or his/her legal personal

representatives shall commence arbitration proceedings within

six (6) months of such rejection, failing which, We shall be

discharged from all liabilities whatsoever for that claim.

13) Cancellation and Refund for Short Journey Policy

a) We will refund in full the premium paid if You cancel the Journey due to unforeseen circumstances prior to the date of departure provided You will not make any claim for travel and cancellation charges.

b) We will not refund any premium paid if You cancel the Journey

due to unforeseen circumstances prior to the date of

departure if We have agreed to pay claims for travel and

cancellation charges.

c) We will not refund any premium paid if You cancel the Policy

due to reasons other than unforeseen circumstances prior to

the date of departure.


Company No.: 197601004719 (30686-K)



of 24

For the purpose of this Condition Unforeseen

Circumstances refer to:

a. Your death or the death of an Immediate Family

Member; or

b. Bodily Injury or Sickness that requires treatment by a

Medical Practitioner which results in that Medical

Practitioner certifying in writing that You or an

Immediate Family Member is unfit to begin or

continue the journey; or

c. Unexpected outbreak or strike, riot or civil

commotion arising out of circumstances beyond Your

control.

14) Annual Policy

(a) There is no insurance cover under this Policy in respect

of Annual Cover for One Way Cover.

(b) The maximum number of days of coverage per journey

or trip is limited to sixty (60) days.

(c) You can only purchase the Policy if you are a person

aged between eighteen (18) to seventy-five (75) years.

(d) Extension of Period of Insurance is not applicable to an

Annual Policy.

(e) We will not refund any premium paid if You cancel

Your Policy after We have agreed to pay any claim

under the Policy or if there has been an occurrence of

any event for which a claim may arise under the Policy.

(f) Your Annual policy will cease coverage when Your

Personal Accident Benefits claim is completely paid up

(100% of the sum insured stated on the Schedule of

Benefits).

(g) We will charge You a percentage of the premium in

accordance with the scale below and refund the

balance if You cancel the Policy after issuance of the

Policy

Period Not Exceeding Premium to Charge

1 month-------------------- 20% of the Annual Premium

2 months ------------------ 30% of the Annual Premium 3 months ------------------ 40% of the Annual Premium 4 months ------------------ 50% of the Annual Premium 5 months ------------------ 60% of the Annual Premium 6 months ------------------ 70% of the Annual Premium 7 months ------------------ 75% of the Annual Premium 8 months ------------------ 80% of the Annual Premium 9 months ------------------ 85% of the Annual Premium 10 months ----------------- 90% of the Annual Premium 11 months ------------------ 95% of the Annual Premium 12 months ------------------ 100% of the Annual Premium

15) Governing Law

This Policy shall be governed by Malaysian law.

16) Language Prevails

If there is any conflict or inconsistency between any of the

contents of the document and the contents of a translated

version of this document in any other language, the contents

of this Policy in English shall prevail.

17) Other Insurance

If at the Time of loss or damage, there is any other insurance

covering the same loss, damage or liability, We will pay only

a proportion of the claim and We will require details of such

other insurance taken by You.

18) Duplication of Cover

If an Insured Person is covered by more than one (1) policy by

Us and/or our Affiliates, the claims will be paid by the policy

which provides the greatest amount of benefit. Where the

benefit under each such policy is identical, We will only

entertain the claim under the policy first issued.

19) Cash Before Cover

It is condition precedent of this Policy that the premium due

must be paid and received by Us before the commencement

date. If this condition is not complied with, then this Policy is

automatically deemed null and void. We reserve our rights to

refuse any coverage and/or reject any claim resulting from

non-payment of premium to Us.

20) Anti-Money Laundering, Anti-Terrorism Financing

and Proceeds of Unlawful Act 2001 (AMLATFPUAA)

By virtue of AMLATFPUAA, any suspicious transaction as

classified by the law is required to be reported to Bank Negara

Malaysia.

21) Personal Data The Certificate of Insurance has been issued based on the

information You have provided at the point of purchase of

the Cover. In the event the information is inaccurate, please

notify Us of the same in writing, by visiting any of our

branches or by email to [email protected], within

fifteen (15) days of the receipt of Your Policy, with the

required proof, to enable Us to make the necessary

amendments. In the event no notification is received, the

information in the Policy shall be deemed accurate and the

Policy shall be in full effect. Please note that this Policy and

Certificate of Insurance shall be read as one.


Company No.: 197601004719 (30686-K)



of 24

22) Consent You have read the Tune Protect Privacy Policy (https://www.tuneprotect.com/privacy-policy/) and agree that all personal data provided to the Company by You and/or acquired by the Company from the public domain, as well as personal data that arises as a result of the provision of Cover to You will be subject to such Privacy Policy as may be varied from time to time. You hereby agree and authorise the disclosure of Your name and other contact details to companies within the Tune Protect Group for marketing, data matching and for promotional purposes.

23) Change of contact/ personal details It is important that you inform us of any change in your

contact detail/ life profile including nomination, occupation

and personal pursuits which would affect the risk profile of

this Policy.

24) Should you require additional information about

insurance plan, please refer to the insurance info booklet

available at all our branches or visit

www.insuranceinfo.com.my.


Company No.: 197601004719 (30686-K)



IMPORTANT NOTICE

Every effort will be made by our company to fulfill our obligation under the Policy. If you are unhappy or dissatisfied with our service or

have any complaints, you may call or write to us at:-

Tune Insurance Malaysia Berhad

Complaints Unit

Level 7, Wisma Tune,

No. 19, Lorong Dungun,

Damansara Heights, 50490 Kuala

Lumpur.

Tel: 1800 88 5753 Fax: 603-2094 1366

Website: www.tuneprotect.com

Email: [email protected]

If you are not satisfied with the response of our decision of our Company, you may submit your complaint either to The Ombudsman for

Financial Services (OFS) or to Bank Negara Malaysia (BNM).

The following are the contact details for OFS and BNM:

Ombudsman for Financial Services (OFS)

Level 14, Main Block,

Menara Takaful Malaysia,

No. 4, Jalan Sultan Sulaiman,

50000 Kuala Lumpur.

Tel: 03-2272 2811

Fax: 03-2272 1577


Website: www.ofs.org.my

OR Laman Informasi Nasihat dan Khidmat (LINK) Pengarah Jabatan LINK & Pejabat Wilayah

Bank Negara Malaysia

P.O.Box 10922

50929 Kuala Lumpur

Tel: 1-300-88-5465

Fax: 03-21741515


of 24

http://www.tuneprotect.com/

mailto:[email protected]


http://www.ofs.org.my/


schedule of benefits: worldwide travel · theft of property during trip pays for physical loss or...

Documents