PRODUCT DISCLOSURE SHEET

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Moris Flowers
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1 PRODUCT DISCLOSURE SHEET Be sure to read this Product Disclosure Sheet and the General Terms and Conditions. 1. What is this product about? This policy provides compensation in the event of injuries, disability or death caused by a sudden and unforeseen accident, medical expenses incurred as a result of an accident or illness, and travel assistance for overseas trips. This product is exclusively available for sale at 2. What are the covers/benefits provided? The benefits provided in this cover are: Schedule Of Benefits Sum Insured maximum up to (RM) Plan Deluxe Standard A 1 Medical Related Benefits Medical Expenses Deductible of RM200 for mountain sickness claim Medical Expenses in Malaysia 1,000, ,000 2 Maximum days of treatment in Malaysia Subject to Medical Expenses Limit in A1 100, days 75, days 3 Daily Hospital Income (RM 250 for every complete day) Subject to Medical Expenses Limit in A1 7,000 5,000 4 Emergency Medical Evacuation and Repatriation of Mortal Remains Unlimited Unlimited 5 Compassionate visit * 8,000 5,000 6 Child Guard 8,000 5,000 B) Personal Accident Benefits 1 Accidental Death & Permanent Disablement 300, ,000 C) Travel Inconvenience & Other Travel Related Benefit 1 Travel Cancellation 25,000 10,000 2 Travel Curtailment 25,000 10,000 Page 1 of 6

2 3 Travel Delay Common Carrier i. Overseas ii. Malaysia (RM 150 for every 6 consecutive hours of delay) 2, , Chartered Flight i. Overseas and Malaysia (RM 150 for every 10 consecutive hours of delay) 1, Baggage Delay i. Overseas ii. Malaysia 1, (RM150 for every 6 consecutive hours of delay) Damage or loss of baggage and/or personal effects 5 Baggage Damage Per baggage Loss of Baggage and/or Personal Effects (Maximum limit for any one item is RM500) (Maximum limit for laptop is RM 1,000) 250 5, ,000 6 Loss of Money 1,500 1,000 7 Loss of Travel Documents 5,000 3,000 8 Personal liability 1,000, ,000 9 Home Away Protection (Maximum limit for any one item is RM1,500) (Maximum limit for personal valuables is RM 2,000) 10,000 10,000 D) Trip Assistance Solutions 1 24/7 Worldwide Travel Assistance Included Included 2 Doctor On Call Included Included 3 World Event Alert Services Included Included 4 Global Weather Included Included 5 Emergency Travel Services Included Included 6 Emergency Language Interpreter Included Included 7 Ambassador Services Included Included 8 Global Cash Included Included * We will only reimburse for one disability under this benefit within the period of insurance, either to take care of you once as an in-patient in an overseas hospital or assist once with your repatriation and burial or cremation at the location of your death. Note: Please refer to the policy contract for the full details of coverage. Page 2 of 6

3. How much premium do I have to pay? (a) Premium varies depending on your destination and the duration of your trip. (b) Payment must be made via payment methods accepted on www.lazada.com.my/ only.

3 3. How much premium do I have to pay? (a) Premium varies depending on your destination and the duration of your trip. (b) Payment must be made via payment methods accepted on only. 4. What are the fees and charges that I have to pay? No additional charges or fee will be applicable. 5. What are some of the key terms and conditions that I should be aware of? (a) IMPORTANT: ACTIVATE YOUR POLICY YOUR COVERAGE WILL NOT COMMENCE UNTIL THE DAY AFTER YOU HAVE ACTIVATED THE INSURANCE POLICY WITH US. PLEASE FOLLOW ACTIVATION STEPS AT YOU MUST ACTIVATE YOUR INSURANCE POLICY WITHIN FOURTEEN (14) DAYS OF PURCHASE FROM OR NO LATER THAN THREE (3) BUSINESS DAYS BEFORE YOUR TRAVEL START DATE WHICHEVER IS EARLIER, FAILING WHICH YOU WILL NOT BE ENTITLED TO ANY COVER UNDER THE POLICY. (b) Importance of Disclosure: You have a duty to take reasonable care not to make a misrepresentation in answering our questions or when applying for this insurance, to answer all questions fully and accurately and to disclose any matter that you know to be relevant to us in accepting the risks and determining the rates and terms to be applied otherwise it may result in avoidance of the policy, refusal or reduction of claims, change of terms or termination of the policy. This duty of disclosure shall continue until the time the policy is entered into, varied or renewed. You also have a duty to tell us immediately if at any time after the policy has been entered into, varied or Page 3 of 6

4 renewed with us, any of the information given when you applied for this policy is inaccurate or has changed. (c) Claims: (i) All claims must be notified to us within 30 days from the date of loss. No claim will be admissible if notified after 1 year from the date of loss; (ii) All supporting documents proving the loss must be submitted to us within 90 days from the date of loss together with the Claims Notification Form; (iii) A copy of the Claims Notification Form and Claims Checklist are available at (iv) The Claims Notification Form and supporting documents can be submitted by ing AIG Malaysia at AIGMYCare@aig.com or by sending to AIG Malaysia s address as described in item 9 below. (d) Number of policies: You can only be covered under 1 policy by us in respect of this insurance. (e) Age to qualify for cover: 31 days to 65 years. All ages refer to the age as of your last birthday. (f) Period of insurance: Each trip shall not exceed the maximum number of days for your selected plan which in any event cannot exceed 20 consecutive days and commences upon departure from Malaysia and ends upon your first arrival to Malaysia. (g)renewal & reinstatement of policy: No renewal and reinstatement requests are applicable for this insurance cover. (h) Payment Terms: The insurance shall not be effective unless the premium payable has been paid. (i) Residency Clause: You must be either a Malaysian citizen or Malaysian permanent resident or a resident with full rights to enter into and return to Malaysia regardless of medical status. Your travel arrangements must be made and paid for in Malaysia and your trip must commence in Malaysia. (j) Contribution: in respect of Benefits, item A1, A2, A4, A5, A6, C1, C2, C5, C6, C7, C8 and C9 of the schedule of benefits, we will only reimburse the excess amount that is not payable by any other source or other insurance policies. 6. What are the major exclusions under this policy? This policy does not cover death or injury caused by or to: (a) any occupation relating to: (i) armed forces, peacekeeping forces and similar groups; (ii) ship crew; or (iii) semi-professional and professional sports or where a periodic income is received in relation to such sports; unless it is solely administrative or management-related; (b) any activity relating to: (i) all manual work; (ii) use (including testing) of heavy machinery, explosives or hazardous materials; (iii) work at an off-shore site on any kind of conveyance; or Page 4 of 6

5 (iv) any kind of winter sports and diving, except if the optional rider benefit is purchased; (c) suicide or intentionally self-inflicted injuries or an attempt to do so while being sane or insane; (d) during air travel unless as a fare paying passenger in a licensed private or commercial aircraft; (e) violation of law; (f) mental or nervous disorders; (g) any pre-existing condition where you: (i) have received or are receiving treatment; (ii) have been given medical advise, diagnosis, where care or treatment has been recommended; (iii) have clear and distinct symptoms that are or were evident; or (iv) when its existence would have been apparent to a reasonable person in the circumstances; within 1 year prior to the effective date as stated in the policy schedule; (h) Acquired Immune Deficient Syndrome (AIDS) or Human Deficiency Virus (HIV); (i) racing other than on foot (save for ultra-marathons which are excluded); (j) nuclear, chemical or biological materials; (k) war; (l) loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to or through Cuba, Iran, Syria, North Korea or Crimea Region; (m) And any claim, loss, injury, damage or legal liability suffered or sustained by residents of Cuba, Iran, Syria, North Korea, or the Crimea region (n) trip undertaken against the advice of a doctor or when the purpose of travel was to obtain any form of medical treatment, consultation or advice; (o) failure to take reasonable precautions to avoid a claim under the policy following the warning through or by general mass media; and (p) any circumstances which you have been made aware of prior to the purchase of the policy. (q) any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us, our parent company or our ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America. Note: This list is non-exhaustive. Please refer to the sample of the policy contract for the full list of exclusions under this policy. 7. Can I cancel my policy? You may only cancel this policy at within 14 days from date of purchase, provided that your period of insurance has not commenced and you have not made a claim on this policy. 8. What do I need to do if there are changes to my contact / personal details? It is important that you inform us of any change in your contact details to ensure that all correspondence reaches you in a timely manner. It is also important that you inform us of any changes to your life profile including your personal pursuits which would affect the risk profile of this policy. 9. Where can I get further information? Should you require additional information about this policy, please refer to the insurance info booklet on Travel Insurance, available at all our branches or you can visit the following website: Page 5 of 6

6 If you have any enquiries, please contact us at: AIG Malaysia Insurance Berhad ( W) Menara Worldwide, No. 198 Jalan Bukit Bintang, Kuala Lumpur, Malaysia. Telephone: Find out more at Other types of Personal Accident cover available Please refer to our website at: IMPORTANT NOTE: YOU ARE ADVISED TO NOTE THE SCALE OF BENEFITS FOR DEATH AND DISABLEMENT IN YOUR INSURANCE POLICY. YOU MUST NOMINATE A NOMINEE AND ENSURE THAT YOUR NOMINEE IS AWARE OF THE PERSONAL ACCIDENT POLICY THAT YOU HAVE PURCHASED. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION. AIG Malaysia Insurance Berhad ( W) is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. The information provided in this disclosure sheet is updated as at. 01 st September 2018 Page 6 of 6

Be sure to read this Product Disclosure Sheet and the General Terms and Conditions. SUM INSURED (in RM) 1. Accidental Death RM5,000

PRODUCT DISCLOSURE SHEET Be sure to read this Product Disclosure Sheet and the General Terms and Conditions. 1. What is this product about? (a) This product provides compensation in the event of injuries