personal insurance

the flexible planto suit your lifestyle

SmartHome PlusEnjoy freedom to choose the cover

you want for you and your home

pelan fleksibel untukkesesuaian gaya hidup anda

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Each individual is different, and you know what is right for you. Have the flexibility to design and

customise your own insurance policy to suit you best.

SmartHome Plus has been developed to offer you a wide scope of protection at a very competitive price and the best standard of service.

Have a look at what SmartHome Plus brings to you ...

SmartHome Plus is a flexible policy that can be adapted to suit changes in your lifestyle.

SmartHome Plus

n A Freedom of Choice

SmartHome Plus has a wide selection of covers available within one policy to suit unique requirements. The perfect choice if you are looking for an all-in-one product to cover your insurance needs.

n A Multiple Choice

SmartHome Plus allows you to only pay for the covers you need and want. We will help you look at your exactrequirements and offer you a competitive quote to match.

n A Premium Choice

Our experience and expertise in providing Personal Financial Services enable us to offer SmartHome Plus with insurance covers that are among the best available in Malaysia.

n An Expert Choice

SmartHome Plus is designed to help you get protected in a simple and easy way. The number of questions on your application form has been minimized to enable you to complete it as quickly as possible. This policy is clear, concise and easy to understand.

n A Clear Choice

Summary of Cover

You have the freedom and flexibility to choose the type of insurance cover you need for:

n Your House and its ContentsYour house can be insured against fire as well as the following perils i.e. lightning damage, explosion, aircraft, impact by road vehicles, bursting or overflowing of domestic water tanks, apparatus and pipes, windstorm, earthquake and volcanic eruption, flood.

The rates shown below include all of these covers and our theft cover is also automatically provided.

Class 1BProperty

Buildings

Contents

Class 1A

Landed Property

0.106

0.398

Apartments

0.109

0.398

Apartments

0.286

0.612

Landed Property

0.266

0.612

If you wish, you can include cover for riot strike, malicious damage, subsidence, and landslip with additional premium.

Class 1A and 1B are tariff defined building classifications. From our experience, the majority of homes are classified as Class 1A. If your home is constructed of combustible materials, such as wooden floors, Class 1B, 2 or 3 may apply. We will be able to advise you on the cover applicable when information is made available to us.

n Your Valuable Personal BelongingsYour personal belongings can be insured under the All Risk section to cover loss or accidental damage to valuable items that you may be carrying or wearing whilst in any part of the world.

All Risks

Personal Effects and Valuables

Sports Equipment(RM750 per item)

Limit (RM)

3,000

2,000

Pedal Cycles 1,000

Computers, Laptops, PDAs, Cameras 3,000

Mobile Phones 1,000

Rate (%)

1.25

Excess (RM)

50 per incident

Cover for All Risk is provided subject to purchase of cover under either Building or Contents on the policy.

If the value of any of your personal belonging is over the limit indicated above for a particular item, it must be specified and an additional premium may be payable.

n Your New for Old CoverWe promise to replace items on a new for old basis. However, we can only do this if the Sums Insured for your House, its contents and your personal belongings are sufficient. Our insurance is subject to Average, which means that if at the time of loss or damage, the Sum Insured is less than the full value of the property insured, the amount payable to you will be proportionately reduced.

n Your LiabilitiesSmartHome Plus covers you and your family members, permanently residing with you, against third party claimsdue to negligence as an owner or tenant, as well as in your personal capacity. Free cover is also given to youagainst Common Law liabilities to your domestic servants for occupational accident or illness.

n Your risk of Personal AccidentSmartHome Plus provides a benefit to you and your family in the event of accidental death, permanent or temporarydisablement. It can be extended to include medical expenses arising from the accident. It can also provide anadditional cash benefit when you are in hospital due to an accident or illness, for up to 100 days.

Limit (RM) Premium (RM)1,000,000 25

Occupational Classification

Personal Accident 31 2Benefit (RM)

Premium (RM)

Accidental Death

Permanent Disablement

Temporary Total Disablement

Temporary Partial Disablement

Medical Expenses

Hospital Cash (Accident)

Hospital Cash (Sickness)

10.00

10.00

30.00

6.50

13.00

19.00

26.00

32.00

Below Age 40

Above Age 40

6.50

6.50

20.00

4.60

10.00

15.00

23.00

28.00

5.00

5.00

15.00

3.50

8.00

11.00

19.00

23.00

105.00

165.00

10,000

10,000

100 per week

50 per week

500

1,000

2,500

100

100

The premium applicable to you depends on your Occupational Classification as described below.Class 1 – Your work is administrative, managerial, clerical and non-manual in nature.Class 2 – Your work is supervision of others using tools and machinery.Class 3 – Your work involves doing manual work involving the use of tools and machinery whether occasionally or generally.

This brochure is not a contract of insurance. The precise terms, conditions and definitions are specified in the insurance policy.In the event of differences arising between the English and Bahasa Malaysia versions, the English version shall prevail.

AXA Affin General Insurance Berhad (23820-W)

Ground Floor Wisma Boustead 71 Jalan Raja Chulan 50200 Kuala LumpurTel: (603) 2170 8282 Fax: (603) 2031 7282E-mail: customer.service@axa.com.mywww.axa.com.my

Ask your insurance agent for more details

This summary and the premiums quoted are provided as an indication only. Please call your agent for a quotationbased on your exact requirements or contact our Customer Service Hotline: (603) 2170 8282

n Sign up for SmartHome Plus today!

Premiums may be applied to any multiple of the benefit amount for death, permanent or temporary disablement. Higher medical expenses and other Hospital Cash benefits will be quoted on request.

You get a bonus too at renewal. For each year that you renew your policy without making any claims during the past year, we will increase your Sum Insured by 10% up till a maximum of 150% of your original Sum Insured, free of charge!

n Your PetsOur Pets insurance covers you against the cost of veterinary fees incurred to treat your pedigree cat or dog following an accident. It will reimburse you for a replacement pet. It will also pay for the cost of a lost and found advertisement.

Limit (RM) Premium (RM)1,000 30

n Those little extrasOur Value Added Covers give you more. For a nominal additional premium, you can have following covers as well:

• Damage to frozen food up to RM200• Loss or damage to locks and keys (following attempted theft or break-in) up to RM500• Leakage of metered water following damage to your water piping as a result of an insured event up to RM500• Wedding, Festive and Seasonal Gifts up to RM500 covered automatically• Damage to satellite dish, solar heaters and air-conditioning compressors up to RM1,000• Loss of credit cards, passport and identity card up to RM1,000• 30 days purchase protection for new items purchased but not yet insured within your home up to RM15,000• Transit cover (while you are moving home). We will pay the first RM10,000 – you will pay the rest or choose to insure with us at our special policyholder rate.

Premium (RM) 25

You can have it all if you take up our Home and Contents covers.

insurans peribadi

pelan fleksibel untukkesesuaian gaya hidup anda

SmartHome PlusNikmati kebebasan untuk memilih perlindungan

yang anda mahu untuk anda dan kediaman anda

Setiap individu adalah berbeza, dan anda tahu apa yang sesuai untuk anda. Perolehi fleksibiliti untuk

mereka polisi insurans anda sendiri, untuk menepati keperluan diri anda.

SmartHome Plus yang direka khusus untuk anda, menawarkan perlindungan menyeluruh dan perkhidmatanbermutu pada premium yang berpatutan.

Berikut adalah keistimewaan SmartHome Plus ...

Polisi SmartHome Plus yang amat fleksibel boleh disesuaikan untuk menepati segala keperluan dan gaya hidup anda yang sentiasa berubah.

SmartHome Plus

n Kebebasan untuk Memilih

SmartHome Plus menawarkan pelbagai jenis perlindungan. Semuanya di dalam satu polisi mudah dan menepatipelbagai jenis keperluan anda. Ia juga pilihan tepat bagi mereka yang inginkan polisi insurans mudah semua-dalam-satu.

n Kepelbagaian Pilihan

Dengan SmartHome Plus, anda cuma bayar untuk perlindungan yang anda perlukan. Kami akan memastikansegala keperluan anda ditepati sambil menawarkan premium yang berpatutan.

n Pilihan Premium

Pengalaman dan kepakaran kami dalam Perkhidmatan Kewangan Peribadi telah mendorong kami untukmenawarkan SmartHome Plus, salah satu produk perlindungan insurans yang terbaik di Malaysia.

n Pilihan Pakar

SmartHome Plus disediakan untuk memberi kesenangan kepada anda untuk mendapat perlindungan. Bilangansoalan di dalam borang permohonan telah dikurangkan supaya anda dapat melengkapkannya dengan secepatmungkin. Polisi SmartHome Plus juga adalah nyata, ringkas dan mudah difahami.

n Pilihan yang Nyata

Rumusan Perlindungan

Anda bebas untuk memilih jenis perlindungan yang anda perlukan untuk:

n Kediaman & Barangan Dalam Rumah AndaKediaman anda boleh dilindungi daripada kebakaran serta lain-lain bahaya; contohnya kerosakan akibat petir, letupan, pesawat, perlanggaran oleh kenderaan, kebocoran/limpahan air dari tangki air domestik, perkakasan dan paip, ribut angin, gempa bumi dan letupan gunung berapi, dan banjir.

Kadar yang tertera di bawah termasuk semua perlindungan yang dinyatakan di atas. Perlindungan kecuriandisediakan secara automatik.

Kelas 1BHartabenda

Kelas 1A

Hartanah Pangsapuri PangsapuriHartanah

Bangunan

Kandungan

0.106

0.398

0.109

0.398

0.286

0.612

0.266

0.612

Sekira diperlukan, anda boleh mendapatkan perlindungan daripada rusuhan, kerosakkan berniat jahat, tanahruntuh dan gelinciran: pada premium tambahan.S

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n Harta Benda Peribadi yang BerhargaAnda boleh melindungi harta benda anda dengan Semua Risiko, ia akan melindungi barangan anda daripadakehilangan atau kerosakkan akibat kemalangan yang dibawa bersama ke mana-mana pelusuk dunia.

Semua Risiko

Peralatan Sukan(RM750 setiap barang)

Had (RM)

2,000

Harta Peribadi dan Harta yang Berharga 3,000

Basikal 1,000

Komputer, Laptop, PDA, Kamera 3,000

Telefon Bimbit 1,000

Kadar (%)

1.25

Lebihan (RM)

50 setiap kejadian

Perlindungan untuk Semua Risiko disediakan tertakluk kepada polisi perlindungan Kediaman atau KandunganKediaman.

Sekiranya nilai mana-mana harta benda peribadi melebihi had nilai yang tertera di atas, ia mesti dinyatakan danpremium tambahan mungkin dikenakan.

n Lama untuk BaruKami akan menggantikan barang lama anda dengan yang baru. Walau bagaimanapun, kami hanya akanmenggantikan barangan tersebut sekiranya Jumlah Yang Diinsuranskan untuk kediaman, kandungan dan hartabenda peribadi anda adalah mencukupi. Pelan insurans kami tertakluk kepada Purata. Ini bermakna sekiranyapada masa kehilangan atau kerosakkan Jumlah Yang Diinsuranskan kurang berbanding nilai penuh barang yangdiinsuranskan, jumlah yang akan anda terima akan dikurangkan sejajar dengan pengiraannya.

n Liabiliti AndaSmartHome Plus melindungi anda dan ahli keluarga yang tinggal bersama anda daripada tuntutan pihak ketigaakibat kecuaian sebagai pemilik atau penyewa, serta dalam keupayaan peribadi anda. Perlindungan percumaturut diberikan terhadap liabiliti di bawah 'Common Law' untuk pembantu rumah bagi kecederaan atau penyakitberkait pekerjaan.

n Risiko Kemalangan DiriSmartHome Plus memberikan anda dan keluarga manfaat sekiranya berlaku kematian akibat kemalangan, hilangupaya kekal atau sementara. Ia boleh turut merangkumi perbelanjaan perubatan akibat kemalangan sertamanfaat tunai tambahan apabila anda dimasukkan ke dalam hospital akibat kemalangan atau penyakit,sehingga 100 hari.

Had (RM) Premium (RM)1,000,000 25

Klasifikasi Pekerjaan

Kemalangam Diri 31 2Faedah (RM)

Premium (RM)

Kemalangan Maut

Hilang Upaya Tetap

Hilang Upaya Sementara (Menyeluruh)

Hilang Upaya Sementara (Separa)

Perbelanjaan Perubatan

Faedah Elaun Harian Hospital (Kemalangan)

Faedah Elaun Harian Hospital (Penyakit)

10.00

10.00

30.00

6.50

13.00

19.00

26.00

32.00

Umur Bawah 40

Umur Atas 40

6.50

6.50

20.00

4.60

10.00

15.00

23.00

28.00

5.00

5.00

15.00

3.50

8.00

11.00

19.00

23.00

105.00

165.00

10,000

10,000

100 setiap minggu

50 setiap minggu

500

1,000

2,500

100

100

Kelas 1A dan 1B adalah tafsiran klasifikasi bangunan. Kebanyakkan kediaman lazimnya jatuh di dalam Kelas 1A. Sekiranya rumah anda diperbuat daripada bahan mudah terbakar seperi lantai kayu, ia jatuh dalam Kelas 1B, 2 atau 3. Kami akan menerangkan lebih lanjut kepada anda bila anda memberikan kami maklumat rumah anda.

Risalah ini bukan satu kontrak insurans. Maklumat terperinci terdapat di dalam Polisi. Sekiranya terdapat perbezaandi antara Bahasa Inggeris dan Bahasa Malaysia, maka versi Bahasa Inggeris adalah dianggap muktamad.

AXA Affin General Insurance Berhad (23820-W)

Ground Floor Wisma Boustead 71 Jalan Raja Chulan 50200 Kuala LumpurTel: (603) 2170 8282 Faks: (603) 2031 7282E-mel: customer.service@axa.com.mywww.axa.com.my

Risalah ini dan kandungannya disediakan sebagai penerangan sahaja. Sila hubung agen anda untukmendapat tafsiran terperinci berdasarkan keperluan khusus anda atau hubungi Talian Khidmat Pelanggankami: (603) 2170 8282

n Dapatkan SmartHome Plus hari ini!

Premium mungkin dikenakan ke atas mana-mana gandaan jumlah manfaat untuk kematian, hilang upaya kekalatau sementara. Penerangan lanjut perbelanjaan perubatan dan lain-lain manfaat tunai hospital yang lebih tinggiakan diberikan atas permintaan.

Dengan SmartHome Plus, anda turut mendapat bonus pembaharuan polisi. Untuk setiap tahun pembaharuantanpa sebarang tuntutan yang dibuat pada tahun sebelumnya, kami akan meningkatkan Jumlah YangDiinsuranskan sebanyak 10% setiap tahun sehingga maksimum 150% nilai asal Jumlah Yang Diinsuranskan,tanpa sebarang premium tambahan.

n Haiwan Peliharaan AndaInsurans Haiwan Peliharaan kami akan melindungi haiwan kesayangan anda terhadap kos rawatan untuk merawat kucing atau anjing anda selepas kemalangan. Ini merangkumi kos pembiayaan mengganti haiwan peliharaan serta kos pengiklanan mencari haiwan peliharaan yang hilang.

Had (RM) Premium (RM)1,000 30

n Lebih Untuk AndaAnda akan mendapat lebih dengan polisi perlindungan kami. Dan dengan premium tambahan nominal, anda boleh mendapat perlindungan berikut:

• kerosakan kepada Makanan Beku sehingga RM200• kehilangan atau kerosakan kepada kunci (akibat cubaan mencuri atau pecah masuk) sehingga RM500• Kebocoran pada meter air sejurus selepas kerosakan kepada paip air anda akibat mana-mana perkara yang diinsuranskan sehingga RM500• Hadiah Kahwin, Perayaan dan Musim Perayaan - dilindungi secara automatik sehingga RM500• Kerosakan kepada parabola, pemanas solar dan kompresor penghawa dingin sehingga RM1,000• Kehilangan kad kredit, pasport dan kad pengenalan sehingga RM1,000• Pelan Perlindungan Pembelian 30-hari untuk barangan baru yang belum diinsuranskan di dalam kediaman anda sehingga RM15,000• Perlindungan Perjalanan (semasa berpindah kediaman): sama ada kami membayar RM10,000 pertama dan anda menjelaskan bakinya atau anda boleh melindungi harta benda anda pada kadar pemegang polisi istimewa.

Premium (RM) 25

Anda boleh mendapat perlindungan sepenuhnya apabila anda menggunakan perlindungan Kediaman danKandungan Kediaman kami.

Premium anda bergantung kepada klasifikasi pekerjaan seperti berikut:Kelas 1 – anda melaksanakan tugas pentadbiran, pengurusan, pengkeranian dan bukan buruh.Kelas 2 – anda melaksakan tugas pemantauan pekerja lain yang menggunakan peralatan atau jentera.Kelas 3 – anda melaksanakan tugas buruh termasuk mengguna peralatan atau jentera, sama ada secara kasar atau secara am.