PrOtravel Policy Document
CONSUMER INSURANCE CONTRACTS
DUTY OF DISCLOSURE
POLICY WORDING
INTRODUCTION
IMPORTANT MATTERS
ABOUT THIS POLICY WORDING
This policy wording sets out the cover provided and the terms, conditions and exclusions which apply. You need to read it carefully to make sure you understand it entirely and that it meets your needs.
This policy wording, your Policy Schedule and any endorsements written by us make up your contract with the Insurer. Please retain these documents in a safe place.
Under this policy wording, the maximum amount we will pay for the total of all claims under each policy benefit is detailed in the Table of Benefits.
WHO CAN PURCHASE THIS POLICY?
Coverage is available to residents of Malaysia whose journey starts in Malaysia, and is extended to you and those persons named on your Policy Schedule.
WHO IS YOUR INSURER?
This travel insurance policy is underwritten by Pacific & Orient Insurance Co. Berhad. The insurer may be referred to as “we”, “our” and “us” in this policy wording.
YOUR DUTY OF DISCLOSURE
Before commencing this contract of insurance, you have a duty to disclose to us the information we need to enable us to decide whether and on what terms your proposal for insurance is acceptable. You have the duty to:
- Disclose every matter that you know, or could reasonably be expected to know
- Give us honest and complete answers
- Disclose any information that is relevant to our decision whether to accept the risk of the insurance and if so, on what terms
The same duties apply for policy amendment, extension, and any other endorsement.
This policy will be void and automatically expire in the event of misrepresentation, misdescription, nondisclosure or concealment of any material circumstances, such as but not limited to your health conditions, your country of residence, and your destination.
YOUR PERIOD OF COVER
Your cover commences at different time for different sections of the policy:
- The cover for trip cancellation benefits commences 14 days prior to your Policy Effective Date. Cover benefits expire at the moment of your scheduled departure.
- The cover for all other policy benefits begins on the Policy Effective date set out on your Policy Schedule, and expires on the Policy expiry date set out on your Policy Schedule, or upon your return to Malaysia, whichever is earlier.
For Annual Plan Coverage, the maximum period of cover will be 90 consecutive days from the date you depart from your home in Malaysia. If your policy will expire before your journey ends, please ensure you renew your policy before your journey commences.
POLICY AMENDMENT
If you intend to amend your policy details, you must let us know in writing before your departure date. Such amendment becomes effective after it has been confirmed and recorded by us with issuance of endorsement.
POLICY CANCELLATION
For Single Trip Coverage, if you decide that you do not want this policy, you may cancel this policy at any time by informing our customer service team/representative before the departure date shown on your Policy Schedule. However, there will be strictly no refund of any part of your premium.
For Annual Plan Coverage, you may cancel this policy at any time by giving notice to Us provided no claim has arisen during the current Period of Insurance. In the event of such cancellation, we will apply a short rate refund as follows:
There will be no refund if a claim has been made during the Period of Insurance. Such cancellation shall be without prejudice to any event giving rise to a claim under this Policy prior to the cancellation date.
POLICY DEFINITIONS
POLICY BENEFITS
SECTION 1 : PERSONAL ACCIDENT
1.1. ACCIDENTAL DEATH AND PERMANENT DISABLEMENT
1.1.1. We will pay in the event an accident occurs during your journey, which causes death or permanent disablement within 90 days from the occurrence, or the transport vessel you are aboard disappears, sinks or crashes and you are presumed dead and your body is not found within 12 months from the occurrence, we will pay according to the following Schedule of Compensation.
Please see Words with Special Meanings for definitions relating to permanent loss.
In relation to accidental death, we will pay the capital benefit to the estate of the deceased.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
1.1.2. We will not pay for expenses:
a) Caused by any other reason than injury.
b) Incurred in Malaysia.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
SECTION 2 : MEDICAL BENEFIT
2.1 OVERSEAS EMERGENCY MEDICAL OR HOSPITALIZATION EXPENSES
2.1.1 We will reimburse the reasonable emergency medical or hospital expenses you incur until you get back to Malaysia if you become sick overseas or accidentally injure yourself whilst on your journey:
- The medical or hospital expenses must have been incurred on the advice of a medical practitioner.
- You must make every effort to keep your medical or hospital expenses to a minimum.
- If we determine that you should return home to Malaysia for treatment and you do not agree to do so then we will pay you the amount, which we determine would cover your medical expenses and/or related costs had you agreed to our recommendation. You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
2.1.2 We will not pay for expenses:
- When you have not notified us as soon as practicable of your admittance to hospital, or you do not take our reasonable advice following the notification.
- Relating to treatment by a chiropractor or physiotherapist unless approved by us.
- Incurred for donation of any body organ by you and costs of obtaining the organ including all costs incurred by the donor during organ transplant.
- Incurred in Malaysia.
- Relating to any treatment that can reasonably be delayed until your return to Malaysia.
- Relating to any treatment that you knew would be required prior to purchasing the policy.
- Relating to regular treatment(s) or check-ups.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
2.2 EMERGENCY DENTAL EXPENSES
2.2.1 In the case of emergency dental treatment due to an injury, we will provide you with the dental assistance required abroad. The treating dentist must certify in writing that treatment was for the relief of sudden and acute pain to sound and natural teeth.
This coverage is restricted to the treatment of pain, infection and removal of the tooth affected.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
2.3 FOLLOW-UP TREATMENT IN MALAYSIA
2.3.1 We will reimburse the reasonable follow-up medical expenses incurred as a continuation of medical treatment which has been obtained abroad after your return from the journey to Malaysia for a maximum period of ninety (90) days after the initial treatment by an attending medical practitioner.
- The medical or hospital expenses must have been incurred on the advice of a medical practitioner.
- You must make every effort to keep your medical or hospital expenses to a minimum.
2.3.2 We will not pay for expenses:
- When you have not notified us as soon as practicable of your admittance to hospital, or you do not take our reasonable advice following the notification.
- Relating to treatment by a chiropractor or physiotherapist unless approved by us.
- Incurred for donation of any body organ by you and costs of obtaining the organ including all costs incurred by the donor during organ transplant.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
2.4 ALTERNATIVE TRADITIONAL MEDICINE
2.4.1 We will reimburse necessary alternative medical treatment expenses incurred as a result of accident whilst traveling overseas. The medical treatment is carried out by a registered traditional medicine practitioner, osteopath, physiotherapist or chiropractor.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
2.4.2 We will not pay for expenses:
- If the traditional medical treatment is prescribed or provided by your relatives.
- If the claim is not supported with an official payment receipts.
- That are not related to an injury or illness incurred whist overseas during your journey, or are not related to an incident that can be claimed under Section 1 or 2 of this policy wording.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
2.5 HOSPITAL INCOME
2.5.1 We will reimburse you for each day you are hospitalized as an inpatient for more than 24 continuous hours in an overseas hospital. The maximum amount for all claims combined under this section as shown under the Table of Benefits will be payable.
2.5.1 We will not pay:
For the first 24 continuous hours you are in hospital;
- If you cannot claim for overseas medical expenses connected with the hospitalization under Section
2.1 OVERSEAS MEDICAL EXPENSES DUE TO ACCIDENT AND SICKNESS.
2.6 COMPASSIONATE VISIT BY RELATIVE
2.6.1 We will pay the reasonable, return economy travel costs and hotel accommodation expenses necessarily incurred by one (1) relative or family member to visit and stay with you in the event you are hospitalized overseas for more than 5 consecutive days and your medical condition forbids repatriation and no adult member of your family is with you.
2.6.2 We will pay the reasonable, return economy travel costs and hotel accommodation expenses necessarily incurred by one (1) relative or family member to assist in the burial or cremation arrangement in the event you suffer death as result from an injury or illness.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
2.6.3 We will not pay for expenses:
- Relating to travel arrangements that have not been first approved by us.
- That are not related to an injury or illness incurred whist overseas during your journey, or are not related to an incident that can be claimed under Section 1 or 2 of this policy wording.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
2.7 RETURN OF MINOR CHILDREN
2.7.1 We will pay and arrange a one way economy airfare to Malaysia for your children who are travelling with you, if they are left without supervision following your hospitalization whilst overseas.
- We will pay one (1) reasonable return economy class airfare and hotel accommodation expenses for one (1) relative or family member to accompany them back to Malaysia.
- You must first use any prepaid travel arrangements or adjust them accordingly. We will only pay the difference or any amendment fees. We will not pay more than the original ticket value.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
2.7.2 We will not pay for expenses:
- Relating to travel arrangements that have not been first approved by us.
- That are not related to an injury or illness incurred whilst overseas during your journey, or are not related to an incident that can be claimed under Section 1 or 2, of this policy wording.
- If you do not first attempt utilize prepaid travel arrangements.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
2.8 DISPATCH OF ESSENTIAL MEDICINE
2.8.1 We will organize and pay the cost to dispatch essential medication and/or medical equipment required for you, provided that:
- It is determined by the medical practitioner where the specific medication is urgent and medically necessary.
- The specific medication is generally not available at the place you have travelled.
The dispatch of the medicines and/or medical equipment remains subject in any case to the rules and regulations at the time imposed by the airline companies or any other transportation Company, as well as local and/or international law.
2.8.2 We will not pay for the cost of medication and/or medical equipment.
SECTION 3 : ASSISTANCE COVER
3.1 24 HOURS EMERGENCY MEDICAL EVACUATION AND REPATRIATION
3.1.1 We will arrange and pay for the following assistance services if you injure yourself or become sick whilst overseas:
- Access (excluding transportation costs) to a medical practitioner for emergency medical treatment.
- Any urgent messages which needs to be passed on to your family or employer in the case of an emergency.
- Provision of any written guarantees for payment of reasonable expenses for emergency hospitalization.
- Your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment.
- Your repatriation back to Malaysia if you are sick or injured overseas with appropriate medical supervision.
- If you require travel assistance, including:
- rescheduling travel arrangements as a result of an emergency,
- referral for legal advice arising out of an incident during your journey,
- lost luggage retrieval,
- contacting the issuer when passports, travel documents or credit cards are lost,
- arranging translator/interpreter assistance in an emergency, and/or
- arranging overnight hotel accommodation following flight delay or travel misconnection.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
3.1.2 We will not pay for expenses:
- Incurred for services provided by another party for which you are not liable to pay or any expenses already included in the cost of a scheduled trip.
- For a service not approved and arranged by our Third Party Assistance provided always that we reserve the right to waive this exclusion in the event that you or your travel companion cannot for reasons beyond your control to notify our Third Party Assistance during an emergency medical situation.
- In any event, we reserve the right to reimburse you only for those expenses incurred for service which our Third Party Assistance would have provided under the same circumstances.
- Incurred if you do not take the advice of our Third Party Assistance.
- Incurred in Malaysia.
Our Third Party Assistance will not be held liable for any delays in, or prevention of, the agreed services resulting from a case of force majeure or from events such as strikes, riots, civil commotion, and restriction to free circulation, sabotage, terrorist attacks, civil or foreign war, and any consequences of a source of radioactivity or of any act of God.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
3.2 REPATRIATION OF MORTAL REMAINS
3.2.1 If you suffer death overseas as a result of an injury or an illness, we will:
- Pay for reasonable funeral expenses incurred in the country you were visiting.
- Pay for reasonable costs for repatriating your remains back to Malaysia.
- Pay for associated reasonable cost of a casket, embalmment and cremation if so elected.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
3.2.2 We will not pay for expenses:
- If the funeral services or cremation or bringing your remains back to Malaysia has not been first approved by us.
- Relating to the transportation of your remains from Malaysia to any other country.
- Relating to religious ceremony or rites.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
SECTION 4 : TRAVEL INCONVENIENCE
4.1 LOSS OR DAMAGE TO LUGGAGE AND PERSONAL EFFECTS
4.1.1 We will pay the repair cost, or replacement value, less depreciation, of any checked-in or unchecked luggage and personal effects which are stolen, accidentally damaged or permanently lost whilst you are traveling overseas.
- You must provide receipts for your items, to justify the amount of your claim. If you are unable to submit receipts we may accept the claim at reduced rate or decline it.
- If you are partially reimbursed by your carrier or other third party, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover, less depreciation.
- The luggage must be owned by you or entrusted to you.
- Our maximum liability is shown under the Table of Benefits for any one item or pair or set of an item.
For any item that forms part of a pair or set, our maximum liability will be a proportionate part of the value of the pair or set.
This benefit is subject to excess of MYR50 per claim.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
4.1.2 We will not pay for expenses:
- Above the original purchase price, replacement price or repair cost of any item, whichever amount is lower.
- If you do not report the loss, theft or misplacement within 24 hours to the police and if applicable to an office of the carrier you were travelling on when the loss, theft or damage occurred, and if you cannot prove that you made such report by providing us with a written statement from whoever you reported it to.
- If the loss or damage is not supported by proof of ownership, value and age.
- Relating to the loss, theft, or damage to golfing equipment, jewellery or any other valuables, cash, or traveller’s cheque(s).
- If your valuables, personal computer equipment are transported in the cargo hold of a carrier.
- If the loss, theft or damage is to items left behind in any hotel or motel room after you have checked out or items left behind after you have disembarked the carrier.
- If the loss, theft or damage is to watercraft of any type (other than surfboards) or bicycles.
- If the luggage/ personal effects was being sent unaccompanied or under a freight contract.
4.2 LOSS OF TRAVEL DOCUMENTS
4.2.1 We will reimburse you the replacement costs (including essential and reasonable communication, travel and accommodation costs to obtain replacements) of travel documents, including passports, traveller’s cheque(s) and other necessary travel documents which are essential for you to complete the trip when such loss arises from robbery, burglary, theft, fire or natural disaster whilst you are overseas on your journey.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
4.2.2 We will not pay for expenses:
- If you do not report the robbery or theft within 24 hours to the police and if applicable to an office of the carrier you were travelling on when the loss, theft or misplacement occurred, or in the case of traveller’s cheque(s) to the issuing bank or relative company, and if you cannot prove that you made such report by providing us with a written statement from whoever you reported it to.
- Due to shortage of exchange rate or depreciation in value for the loss of travelers’ cheque(s).
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
4.3 LOSS OF MONEY
4.3.1 We will reimburse you if you lose your money and the replacement cost of your credit cards when such loss arises from robbery, burglary, or theft whilst you are on your journey overseas.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
4.3.2 We will not pay for expenses:
- If you do not report the robbery or theft within 24 hours to the police and if applicable to the issuing bank or relative company, and if you cannot prove that you made such report by providing us with a written statement from whoever you reported it to.
- If the expenses are incurred due to the fraudulent use of traveller’s cheque(s) or credit cards.
- Loss of credit cards or replacement of credit cards, or replacement of Identity Cards, Employment passes, Fin cards, Social Visit passes or any kind of passes and driving licenses.
- Loss of cash cards or any other cards having a stored value.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
4.4 TRAVEL DELAY
4.4.1 We will pay you for each full consecutive 6 hours delay if a disruption to your journey, for a period of at least 6 consecutive hours from the scheduled time of your carrier’s departure as specified in your itinerary, arises from strike or industrial action, adverse weather conditions, mechanical breakdown, derangement, or structural defect of the carrier you were scheduled to travel aboard.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
4.4.2 We will not pay for expenses:
- If your scheduled flight is an onward connecting scheduled flight.
- Due to the financial collapse, insolvency, or the inability to carry on normal business due to financial reasons of any transport, tour or accommodation provider, or travel agent.
- Arising from strike or industrial action which began or was announced before the issue date of your policy or on the date your travel tickets or confirmation of booking was issued, whichever earlier.
- If you have not departed your home to commence your journey, or the period of delay allows sufficient time for you to return to your home.
- Due to hijacking.
- Arising from your failure to check in as according to the itinerary supplied to you, or if you fail to obtain written confirmation from the carriers or their handling agents of the number of hours delayed & the reason for such delay.
- If you are compensated by the carrier by means of transport and accommodation.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
4.5 LUGGAGE DELAY
4.5.1 We will pay you for each full, consecutive 6 hours delay if your checked in luggage is delayed, mishandled, misdirected or misplaced by the carrier. Delays will be calculated from the time the responsible carrier arrives at the travel destination.
Your claim must be supported with valid written document from the carrier who was responsible for your delay luggage.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
4.5.2 We will not pay for expenses:
- If you do not report the delay within 24 hours to an appropriate authority, and provide us with a written statement from whomever you reported it to.
- If you are entitled to reimbursed by the carrier who was responsible for your delayed luggage.
- If your luggage is delayed on the flight returning you to your home.
- Confiscation or detention by customs, immigration and/or public authorities.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
4.6 TRAVEL OVERBOOKED
4.6.1 We will pay you for every complete six (6) hours delay up to the limit stated in the Table of Benefits, if you are denied boarding on a commercial scheduled flight carrier due to over-booking, and no alternative transportation is made available to you within six (6) hours of the scheduled departure time of such scheduled flight carrier.
The overbooked flight details to be obtained by you must be verified in writing by the operator(s) of the Common Air Carrier or their handling agent(s).
4.7 TRAVEL REROUTE
4.7.1 We will pay you if the arrival of the scheduled carrier in which you have arranged to travel is delayed for at least six (6) hours from the time specified in the itinerary supplied to you due to rerouting of the scheduled carrier, as a result of strike/industrial action, adverse weather conditions or mechanical breakdown.
4.7.2 We will not pay for claims arising directly or indirectly from, in respect of, or due to:
- Delay in arrival at the destination as a result of delay in departure of the scheduled public carrier.
- Your failure to obtain a written confirmation from the carriers or their handling agents of the number of hours of delay and the reason for such delay.
- Strike or industrial action existing at the date you purchase this insurance.
4.8 MISSED DEPARTURE
4.8.1 We will pay you for the additional accommodation and travel expenses necessarily incurred during your journey as a result of failure of public transportation services to get you to the departure port, airport or train station for the scheduled carrier’s service.
4.8.2 We will not pay for expenses:
- If you fail for any reason other than failure of the public transportation services to check in at the airport, train station, or port according to the travel itinerary given.
- Late arrival at the airport, train station or port after check in or booking in time.
- Failure of the public transportation services arising from strike or industrial action which commenced before the date of departure.
4.9 TRAVEL MISCONNECTION
4.9.1 If the confirmed onward connecting scheduled flight is missed at the transfer point due to the late arrival of your incoming confirmed connecting scheduled flight, and no alternative onward transportation is made available to you within six (6) hours of the actual arrival time of your incoming flight, we shall indemnify you for expenses incurred, upon providing evidence of receipts/bills in respect of hotel accommodation and restaurant meals or refreshments, if not provided or compensated by the carrier or any third party.
The flight misconnection details to be obtained by you must be verified in writing by the operator(s) of the airline or their handling agent(s).
4.10 TRIP CURTAILMENT
4.10.1 We will pay the un-utilized and non-refundable portion of travel and accommodation expenses paid in advance by you due to any of the following events that requires your immediate return to Malaysia:
- An injury or sickness suffered by you resulting in advice from a medical practitioner to abandon your planned journey and return to Malaysia immediately.
- Death of your relative, your children, or your dependent.
- Hijacking of the carrier in which you are travelling as a passenger.
- An epidemic or natural disaster at the planned destination which prevents you from continuing your scheduled journey.
- The unexpected outbreak of strike, riot or civil commotion arising out of circumstances beyond your control.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
4.10.2 We will not pay for expenses:
- You were aware of any reason, before your period of cover commenced that may cause your journey to be rearranged.
- Your delay is due to any transport, tour or accommodation provider, or travel or booking agent ceasing to carry on normal business operations for financial reasons or insolvency.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
4.11 TRIP CANCELLATION
4.11.1 We will pay your cancellation fees and lost deposits for travel, entertainment, and accommodation arrangements that you have paid in advance and cannot recover from any other source if your journey is cancelled within 14 days of your scheduled departure to circumstances neither expected nor intended by you or outside your control occurring from the time you purchased your travel package:
- Death, serious injury, serious illness, or a mandatory quarantine suffered to you, your relative, your children, or your dependent, regardless of whether they are insured or not.
- Unexpected outbreak of strike, riot or civil commotion arising out of circumstances beyond your control at your planned destination.
- Serious damage to your home from fire, flood, typhoon, earthquake or tsunami within seven days before the departure date which required your presence on the premises on the departure date.
- Witness summons or jury service requiring your presence.
- An epidemic or natural disaster at the planned destination which prevents you from proceeding with your journey.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
4.11.2 We will not pay for expenses:
- Any events mentioned above which publicly known or reported through mass media at the time that you make travel arrangement.
- Due to the financial collapse, insolvency, or the inability to carry on normal business due to financial reasons of any transport, entertainment, tour, or accommodation provider, or travel agent.
- Incurred due to prohibition or regulation by any government.
- Caused by a tour operator or wholesaler being unable to complete arrangements for any tour because there were not enough people to go on the tour.
- Relating to the death, injury or sickness of any person who resides outside of Malaysia.
- When the insurance was purchased less than 14 days prior to commencement of policy.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
4.12 HIJACKING
4.12.1 We will pay the amount specified in the Table of Benefits for your selected plan for each six (6) hours period you are forcibly detained by hijackers on a means of public transport during your journey due to it being hijacked by persons using violence or threat of violence.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
4.13 PERSONAL LIABILITY
4.13.1 We will cover your legal liability for payment of compensation in respect of:
- Death, bodily injury or illness, and/or
- Physical loss of damage to property, occurring during your journey, which is caused by an accident or a series of accidents attributable to one source or originating cause.
We will also reimburse your reasonable legal costs and legal expenses for settling or defending the claim made against you. We will decide whether the costs were reasonable. You must not accept liability without prior written approval from us.
The maximum amount we will pay for all claims combined under this Section is shown under the Table of Benefits.
4.13.2 We will not pay for expenses:
- Relating to bodily injury to you, your travelling companion, or to a relative or employee of either of you.
- Relating to damage to property belonging to you, or in your care or control, or belonging to, or in the care or control of, a relative of yours, or your travelling companion, or to an employee of either of you.
- Arising out of the ownership, custody or use of any animal, aerial device, watercraft or mechanically propelled vehicle.
- Arising out of the conduct of a business, profession or trade.
- Relating to any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, statutory or compulsory insurance or compensation scheme or fund, or under workers' compensation legislation, an industrial award or agreement, or accident compensation legislation.
- Relating to any fine, penalty or aggravated, punitive or exemplary or liquidated damages.
- Caused by disease that is transmitted by you.
- Concerning any relief or recovery other than monetary amounts.
- Relating to liability arising from a contract that imposes on you a liability which you would not otherwise have.
- Due to assault and/or battery committed by you or at your direction.
- Relating to conduct intended to cause personal injury, property damage or liability with reckless disregard for the consequences of you or any person acting with your knowledge, consent or connivance.
You must check “General Exclusions Applicable to All Sections” for other reasons why we will not pay.
SECTION 5 : ADDITIONAL BENEFITS
5.1 HOME CARE
5.1.1 We will reimburse by payment or at our option by reinstatement or repair against physical loss or damage to the contents based within your residence in Malaysia that was left vacant because of the trip, caused by fire or theft damage during the period of insurance, but only after you have legally left Malaysia.
5.1.2 We will not pay under the following conditions:
- Wear, tear, depreciation, the process of cleaning, dyeing, repairing or restoring any article, the action of light atmospheric conditions, moth, insects, vermin or any other gradually operating cause.
- Any loss or damage occasioned through the willful act of the Insure person or with the connivance of the Insured person.
- Loss (whether temporary or permanent) of the Insured person property or any part thereof by reason of confiscation, requisition, detention or illegal occupation of such property or of any premises, vehicle or thing containing the same by any government authorities.
- Electrical or mechanical breakdown.
- Consequential loss or damage of any kind
- Business or professional use in respect of photographic and sports equipment and accessories and musical instruments.
- Motor vehicles, boats. Livestock, bicycles and any equipment or accessories relating thereto.
- Loss or damage insured under any other insurance policy, or reimbursed by any other party.
5.2 FRADULENT USAGE OF CREDIT CARD
5.2.1 We will compensate the financial loss you have suffered and liable for such loss incurred whilst traveling overseas due to unauthorized charges being made from your credit payment card.
- The loss is reported to the police and credit card issuing bank within twenty-four (24) hours of the incident.
- Any claim must be supported by a copy of the police report or a report issued by the relevant credit card issuing bank evidencing such loss.
- Any unauthorized charges made from you credit payment card which you are made liable for, under the terms and conditions of your credit payment card.
5.2.2 We will not pay:
- Losses that result from any business pursuits.
- Losses caused by any illegal acts.
- Losses that you have intentionally or deliberately caused.
- Cash advances made with your stolen credit payment card.
- Charges made by a resident of your household, your relatives, or by a person entrusted with your credit payment card.
5.3 CAR RENTAL EXCESS CHARGES
5.3.1 We will reimburse for any excess or deductible which you are liable to pay for the loss and damage caused by an accident to the rental vehicle during your journey.
We will only be liable if the following conditions are fulfilled:
- You must either be the named driver or co-driver of the rental vehicle.
- The rental vehicle must be rented from a licensed rental company.
- You must take up all comprehensive motor insurance against loss or damage to the rental vehicle during the rental period as part of the rental agreement.
- You must comply with the requirement of the rental organization under the rental agreement, as well as the laws, rule and regulations of the country.
5.3.2 We will not pay for:
- Loss or damage of the rental vehicle due to mechanical breakdown arising from wear and tear, gradual deterioration, insects or vermin, inherent vice, latent defect or damage.
- Loss or damage of the rental vehicle for you using it in breach of the rental agreement.
5.4 PET CARE
5.4.1 We will pay the amount as specified in the Table of Benefits in the event that you have placed your pet in a kennel/cattery or pet hotel by reason of you traveling overseas and you are unable to collect your pet on the day as agreed with the kennel/cattery or pet hotel, due to:
- The delay of your scheduled carrier returning to Malaysia for more than 8 hours.
- The delay of the public transportation services that you take to return home for more than 8 hours.
- You have confined to a hospital for an event covered under the policy.
You must obtain written confirmation from the scheduled carrier or public transportation services stating the delay of their services.
5.4.2 We will not pay if the reason of delay was made known or informed publicly via mass media prior to the purchase of this policy.
5.5 TERRORISM COVER
5.5.1 We will pay the amount as specified in the Table of Benefits for your selected plan for covered losses arising directly from Terrorism Act during your journey.
5.5.2 We will not pay claims arising directly or indirectly suffered, contributed or attributed to or caused by from or in any connection with any act of nuclear, chemical or biological weapons or events.
For the purpose of this clause:
- Utilization of nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals.
- Utilization of chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals.
- Utilisation of biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesised toxins)
Which are capable of causing incapacitating disablement or death amongst people or animals.
5.6 SPECIAL EXTENDED PERIOD
In the event of delay beyond your control as a ticket holding passenger on a scheduled public transport as a result of:
- Your serious illness or accidental bodily injury, or
- The public transportation services in which you are travelling being unavoidably delayed during your trip and the return journey cannot be completed within the Period of Insurance indicated in the Policy Schedule, the Period of Insurance shall be automatically extended for up to 7 days without additional premium for such period as is reasonably necessary for the completion of the journey, provided that either of the above events is admissible under this insurance in the first instance and you have documented proof of the reasons for the delay.
GENERAL EXECUTIONS
CLAIMS
TABLE OF BENEFITS
