EMPLOYERS LIABILITY POLICY POLISI LIABILITI MAJIKAN
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1 EMPLOYERS LIABILITY POLICY POLISI LIABILITI MAJIKAN
2 A PERSONAL NOTE FROM THE CHIEF EXECUTIVE OFFICER Thank you for choosing MPI Generali Insurans Berhad as your preferred Insurer. We are continuously seeking to upgrade our services and products. Therefore, to enable us to better understand your needs and expectations and to serve you better, we welcome you to provide us with your valuable feedback for improvement on any areas ranging from your product needs to your service expectations. Kindly direct your suggestions / complaints directly to our Chief Executive Officer at our Head Office, 8th Floor, Menara Multi-Purpose, Capital Square, No. 8, Jalan Munshi Abdullah, Kuala Lumpur. In instances when complaints remain unresolved, and if such complaints involve a financial loss of less than RM200, (motor and fire insurance), less than RM5, (third party property damage) and less than RM100, (other insurance), you are recommended to refer the matter to: PIAM s Complaints Action Bureau Ombudsman for Financial Services 3rd Floor, Wisma PIAM Level 25, Dataran Kewangan Darul Takaful 150 Jalan Tun Sambanthan No. 4, Jalan Sultan Sulaiman Kuala Lumpur Kuala Lumpur P /9 P F F Chief Executive Officer NOTA PERIBADI DARIPADA KETUA PEGAWAI EKSEKUTIF Terima kasih kerana memilih MPI Generali Insurans Berhad sebagai Syarikat Insurans pilihan anda. Kami sentiasa berusaha untuk mempertingkatkan perkhidmatan dan produk kami. Dengan ini, supaya kami memahami dengan lebih mendalam keperluan dan jangkaan anda dan untuk memberi perkhidmatan yang lebih baik, kami mengalu-alukan maklum balas anda yang berharga supaya kami dapat mempertingkatkan lagi mutu perkhidmatan bagi memenuhi keperluan dan jangkaan anda. Sila kemukakan cadangan / aduan anda terus kepada Ketua Pegawai Eksekutif di Ibu Pejabat kami di Tingkat 8, Menara Multi-Purpose, Capital Square, No. 8, Jalan Munshi Abdullah, Kuala Lumpur. Sekiranya aduan anda masih tidak diselesaikan, dan sekiranya aduan tersebut melibatkan kerugian kewangan tidak melebihi RM200, (insurans motor dan kebakaran), tidak melebihi RM5, (kerosakan harta pihak ketiga) dan tidak melebihi RM100, (lain-lain insurans), anda boleh ketengahkan aduan tersebut kepada: Biro Tindakan Aduan PIAM Ombudsman Perkhidmatan Kewangan Tingkat 3, Wisma PIAM Tingkat 25, Dataran Kewangan Darul Takaful 150 Jalan Tun Sambanthan No. 4, Jalan Sultan Sulaiman Kuala Lumpur Kuala Lumpur P /9 P F F Ketua Pegawai Eksekutif
3 EMPLOYERS LIABILITY POLICY Note: You are requested to read this document carefully and keep it in safe place. Please contact us if you need any clarification. Whereas the Insured carrying on the Business described in the Schedule and no other for the purpose of this insurance by a proposal and declaration which shall be the basis of this contract and is deemed to be incorporated herein has applied to MPI Generali Insurans Berhad (hereinafter called the Company ) for the insurance hereinafter contained and has paid or agreed to pay the Premium as consideration for such insurance. Now this Policy witnesses that if any person under a contract of service or apprenticeship with the Insured shall sustain bodily injury by accident or disease caused during the Period of Insurance and arising out of and in the course of his employment by the Insured in the Business the Company will subject to the terms exceptions and conditions contained herein or endorsed hereon (hereinafter collectively referred to as the Terms of this Policy) in respect of such injury or disease indemnify the Insured against liability at law for damages and claimant s cost and expenses and will in addition pay all costs and expenses incurred with the Company s written consent. The Company will also in the event of the death of the Insured indemnify the Insured s legal personal representatives in the Terms of this Policy in respect of liability incurred by the Insured provided that such personal representatives shall as though they were the Insured observe fulfil and be subject to the Terms of this Policy in so far as they can apply. The Company shall not be liable in respect of :- GENERAL EXCEPTIONS (a) the Insured s liability to employees of contractors to the Insured (b) any liability of the Insured which attaches by virtue of an agreement but which would not have attached in the absence of such agreement (c) any sum which the Insured would have been entitled to recover from any party but for an agreement between the Insured and such party (d) any injury by accident or disease sustained outside the Geographical Area (e) any liability of the Insured to pay compensation to an employee or to the legal personal representatives or dependants of an employee by virtue of any workmen s compensation law (f) any injury by accident or disease attributable to war invasion the act of foreign enemies hostilities or warlike operations (whether war be declared or not) civil war mutiny rebellion revolution insurrection or military or usurped power (g) any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from (i) nuclear weapons material (ii) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel and for the purposes of this exception combustion shall include any self-sustaining process of nuclear fission (h) Damage occasioned directly or indirectly by or through or in consequence of any act of terrorism For this purpose an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. In any action suit or other proceeding where the Company alleges that by reason of the provisions of this Exception any loss, destruction or damage is not covered by this insurance, the burden of proving that such loss, destruction or damage is covered shall be upon the Insured. PR/01/16 V.2
4 GENERAL CONDITIONS 1. This Policy and the Schedule shall be read together as one Contract and any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule shall bear such specific meaning wherever it may appear. 2. Every notice or communication to be given or made under this Policy shall be delivered in writing to the Company. 3. The Insured shall take reasonable precautions to prevent accidents and disease and shall comply with all statutory obligations. 4. In the event of any occurrence which may give rise to a claim under this Policy the Insured shall as soon as possible give notice thereof to the Company with full particulars. Every letter claim writ of summons and process shall be notified or forwarded to the Company immediately on receipt. Notice shall also be given to the Company immediately the Insured shall have knowledge of any impending prosecution inquest or fatal inquiry in connection with any such occurrence. 5. No admission offer promise or payment shall be made by or on behalf of the Insured without the written consent of the Company which shall be entitled if it so desires to take over and conduct in his name the defence or settlement of any claim or to prosecute in his name for its own benefit any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any proceedings and in the settlement of any claim and the Insured shall give all such information and assistance as the Company may require. 6. The first premium and all renewal premiums that may be accepted are to be regulated by the amount of wages and salaries and other earnings paid by the Insured to employees during each Period of Insurance. The name of every employee together with the amount of wages salary and other earnings shall be properly recorded and the Insured shall at all times allow the Company to inspect such records and shall supply the Company with a correct account of all such wages salaries and other earnings paid during any Period of Insurance within one month from the expiry date of such Period of Insurance. If the amount so paid shall differ from the amount on which premium has been paid the difference in premium shall be met by a further proportionate payment to the Company or by a refund by the Company as the case may be. 7. The Company may cancel this Policy by sending seven days notice by registered letter to the Insured at the Insured s last known address and in such event, the Premium shall be adjusted in accordance with Condition All differences arising out of this Policy shall be referred to the decision of an Arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single Arbitrator to the decision of two Arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of the parties or in case the Arbitrators do not agree of an Umpire appointed in writing by the Arbitrators before entering upon the reference. The Umpire shall sit with the Arbitrators and preside at their meetings and the making of an Award shall be a condition precedent to any right of action against the Company. If the Company shall disclaim liability to the Insured for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitration under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. 9. If at the time any claim arises under this Policy there be any other insurance covering the same liability the Company shall not be liable to pay or contribute more than its ratable proportion of any such claim and costs and expenses in connection therewith. 10. The due observance and fulfillment of the Terms of this Policy in so far as they relate to anything to be done or not to be done by the Insured and the truth of the statements and answers in the proposal shall be conditions precedent to any liability of the Company to make any payment under this Policy. 11. Premium Warranty It is fundamental and absolute Special Condition of this contract of insurance that the premium due must be paid and received by the Company within sixty (60) days from the inception date of this Policy. If this Condition is not complied with then this contract is automatically cancelled and the Company shall be entitled to the pro rata premium for the period they have been on risk. Where the premium payable pursuant to this Warranty is received by an authorised agent of the Company, the payment shall be deemed to be received by the Company for the purposes of this Warranty and the onus of proving that the premium payable was received by a person, including an insurance agent, who was not authorised to receive such premium shall lie on the Company. If there is conflict or inconsistency between any of the contents of the document and the contents of a version of this same document issued or printed in any other language, the contents of this document issued and printed in English prevail. 2
5 POLISI LIABILITI MAJIKAN Nota : Anda diminta untuk membaca dokumen ini dengan teliti dan simpankan ia di tempat yang selamat. Sila hubungi kami jika anda perlu sebarang penjelasan. Bahawasanya Pihak Diinsuranskan yang menjalankan Perniagaan dan disebutkan dalam Jadual dengan tiada tujuan lain melainkan untuk insurans ini melalui suatu cadangan dan pengisytiharan yang hendaklah dijadikan asas Kontrak ini serta ia disifatkan telah digabungkan di dalam ini telah memohon kepada pihak MPI Generali Insurans Berhad (kemudian dari ini dipanggil Syarikat ) untuk insurans yang terkandung kemudian dari ini dan membayar atau bersetuju untuk membayar premium sebagai balasan (consideration) bagi insurans tersebut. Polisi Ini Sekarang Menjadi Saksi bahawa jika sesiapa yang berada di bawah kontrak perkhidmatan atau perantisan dengan Pihak Diinsuranskan mengalami kecederaan anggota kerana kemalangan atau penyakit yang disebabkan dalam Tempoh Insurans oleh atau berpunca daripada atau semasa menjalankan pekerjaannya dengan Pihak Diinsuranskan bagi Perniagaannya itu. Syarikat akan tertakluk kepada terma-terma, pengecualian-pengecualian dan syarat-syarat terkandung di dalam ini atau dicatatterakan kemudiannya (kemudian dari ini dirujuk secara kolektif sebagai Terma-Terma Polisi ini) menanggung rugi Pihak Diinsuranskan terhadap liabiliti undang-undang untuk menbayar pampasan dan kos dan belanja pihak menuntut (claimant) bagi kecederaan berkenaan dan di samping itu akan membayar semua kos dan belanja yang ditanggung bersama-sama dengan izin bertulis Syarikat. Syarikat juga akan sekiranya berlaku kematian ke atas Pihak Diinsuranskan menanggung rugi wakil-wakil guaman Pihak Diinsuranskan mengikut Terma-Terma Polisi ini bagi liabiliti yang ditanggung oleh Pihak Diinsuranskan, dengan syarat wakil-wakil peribadi berkenaan hendaklah seolah-olah mereka adalah Pihak Diinsuranskan mematuhi, menunaikan dan dikenakan termaterma, pengecualian-pengecualian, had-had dan syarat-syarat Polisi ini selagi mana ia boleh dipakai. PENGECUALIAN AM Syarikat tidak boleh dipertanggungjawabkan di bawah Polisi ini ke atas : (a) liabiliti Pihak Diinsuranskan terhadap para pekerja kontraktor-kontraktor kepada Pihak Diinsuranskan; (b) sebarang liabiliti Pihak Diinsuranskan yang menjadi terikat atas sebab suatu perjanjian di mana ia tidak akan menjadi terikat kalaulah tiadanya perjanjian tersebut; (c) sebarang jumlah yang Pihak Diinsuranskan seharusnya berhak dipulihkan daripada sebarang pihak kalaulah tidak kerana perjanjian antara Pihak Diinsuranskan dengan pihak tersebut; (d) sebarang kecederaan kerana kemalangan atau penyakit yang dialami di luar kawasan Geografi berkenaan; (e) sebarang liabiliti Pihak Diinsuranskan untuk menbayar pampasan kepada seseorang pekerja atau wakil-wakil peribadi guaman atau tanggungan seseorang pekerja itu atas sebab sebarang Undang-Undang Pampasan Pekerja; (f) sebarang kecederaan kerana kemalangan atau penyakit akibat perang, serangan, tindakan musuh asing, perseteruan (sama ada perang diisytiharkan atau tidak), perang saudara, dahagi, penentangan, revolusi, kuasa tentera atau rebutan kuasa; (g) sebarang liabiliti biar apa pun sifatnya yang disebabkan secara langsung atau tak langsung atau dihasilkan oleh atau berpunca daripada; (i) bahan senjata-senjata nuklear; (ii) sinaran mengion (ionising radiations) atau pencemaran oleh keradioaktifan daripada sebarang bahan bakar nuklear atau daripada sebarang sisa nuklear sebab pembakaran (combustion) bahan bakar nuklear dan bagi tujuan pencegualian ini, pembakar hendaklah merangkumi sebarang proses swapenahanan (self-sustaining) bagi pembelahan nuklear (nuclear fission); (h) Kerosakan yang disebabkan secara langsung atau tidak langsung oleh atau menerusi atau yang merupakan akibat daripada sebarang tindakan pengganas. Untuk tujuan ini, tindakan pengganas bermaksud tindakan, termasuk tetapi tidak terhad kepada penggunaan paksaan atau kekerasan dan/atau ugutan sedemikian, oleh mana-mana orang atau kumpulan orang, sama ada bertindak sendirian 3
6 atau bagi pihak atau berhubung dengan mana-mana organisasi atau kerajaan, yang dilakukan untuk tujuan politik, agama, ideologi atau yang seumpamanya termasuk niat untuk mempengaruhi mana-mana kerajaan dan/atau menyebabkan orang awam atau sebahagian orang awam berada dalam keadaan ketakutan. Dalam apa-apa tindakan, guaman atau prosiding lain apabila Syarikat mengatakan bahawa oleh sebab peruntukan Pengecualian ini apa-apa kerugian atau kerosakan yang tidak dilindungi oleh insurans ini, beban membuktikan kerugian atau kerosakan tersebut dilindungi hendaklah terletak pada Pihak Diinsuranskan. SYARAT-SYARAT AM 1. Polisi ini dan Jadualnya hendaklah dibaca bersama-sama sebagai kontrak di mana sebarang perkataan dan ungkapanungkapan yang mempunyai maksud-maksud tertentu yang telah diselitkan di mana-mana bahagian Polisi ini atau Jadualnya memang mempunyai maksud-maksud tertentu di mana sahaja ia terdapat. 2. Semua notis atau komunikasi yang perlu diberikan atau dibuat di bawah Polisi ini kepada Syarikat hendaklah secara bertulis. 3. Pihak Diinsuranskan hendaklah mengambil semua langkah berjaga-jaga yang munasabah untuk mencegah kemalangan dan penyakit serta mematuhi semua kewajipan-kewajipan statutori. 4. Sekiranya berlaku sebarang kejadian yang mungkin menimbulkan sesuatu tuntutan di bawah Polisi ini, Pihak Diinsuranskan hendaklah secepat mana yang boleh memberi notis kepada Syarikat bersama-sama dengan butiran penuh. Semua surat, tuntutan, writ, saman dan proses yang diterima hendaklah dimaklumkan atau diserahkan kepada Syarikat serta-merta. Syarikat juga hendaklah dimaklumkan serta-merta sebaik sahaja Pihak Diinsuranskan mendapat tahu tentang sebarang pendakwaan yang akan dibuat, inkues atau siasatan berhubung dengan sebarang kematian yang berlaku seperti yang disebutkan sebelum ini. 5. Apa sahaja pengakuan, tawaran, janji atau bayaran tidak boleh dibuat oleh atau bagi Pihak Diinsuranskan tanpa izin Syarikat yang berhak jika ia berhajat untuk mengambil alih dan menjalankan atas nama Pihak Diinsuranskan pembelaan atau penyelesaian ke atas sebarang tuntutan atau untuk mendakwa atas nama dan untuk faedahnya sendiri bagi sebarang tuntutan untuk mendapatkan tanggung rugi atau ganti rugi atau sebaliknya dan hendaklah menggunakan sepenuh kebijaksanaannya untuk menjadikan sebarang prosiding dan menyelesaikan apa-apa tuntutan, manakala Pihak Diinsuranskan hendak memberi semua maklumat dan bantuan yang mungkin diperlukan oleh Syarikat. 6 Premium pertama dan semua premium pembaharuan yang mungkin diterima hendaklah diselaraskan melalui amaun upah dan gaji serta pendapatan-pendapatan lain yang dibayar oleh Pihak Diinsuranskan kepada para pekerjanya pada masa setiap Tempoh Insurans. Nama setiap pekerja bersama-sama dengan amaun upah, gaji dan pendapatan-pendapatan lain hendaklah dicatatkan, manakala Pihak Diinsuranskan hendaklah pada setiap masa membenarkan Syarikat memeriksa rekodrekod tersebut serta memberikan kepada Syarikat akuan yang betul tentang semua upah, gaji dan pendapatanpendapatan lain itu yang dibayar pasa masa sebarang Tempoh Insurans dalam masa satu bulan dari tarikh Tempoh Insurans tersebut tamat. Jika amaun yang dibayar itu berbeza daripada amaun di mana premium telah dibayar, perbezaan pada premium ini hendaklah diatasi melalui bayaran tambahan yang dikadarkan kepada Syarikat ataupun secara membayar balik bayaran oleh Syarikat, mengikut keadaan. 7. Syarikat boleh membatalkan Polisi ini dengan menghantar notis tujuh hari melalui surat berdaftar kepada Pihak Diinsuranskan di alamat terakhirnya yang diketahui dan dalam hal ini, premiumnya akan diselaraskan menurut Syarat Segala pertelingkahan yang timbul daripada Polisi ini akan dirujuk kepada keputusan seorang Penimbang Tara yang dilantik secara bertulis oleh pihak pihak yang bertelingkah atau jika mereka tidak mencapai persetujuan dengan seorang Penimbang Tara, maka kepada keputusan dua orang Penimbang Tara, yang salah seorang daripadanya hendaklah dilantik secara bertulis oleh setiap pihak dalam masa satu bulan kalendar selepas diminta untuk berbuat demikian secara bertulis oleh pihak yang satu lagi atau sekiranya terdapat ketiadaan persetujuan antara Penimbang Tara, maka Wasit akan dilantik oleh mereka secara bertulis sebelum membuat rujukan. Wasit akan bersidang bersama Penimbang Tara dan mempengerusikan mesyuarat tersebut dan membuat Award hendaklah merupakan suatu syarat duluan terhadap apa jua hak bertentangan dengan Syarikat. Jika Syarikat menafikan tuntutan liabiliti terhadap Pihak Diinsuranskan untuk sebarang tuntutan di sini dan tuntutan tersebut tidak dirujuk kepada Penimbang Tara dalam masa dua belas bulan kalendar dari tarikh penafian di bawah peruntukan terkandung di Polisi ini boleh dikatakan tuntutan tersebut akan dianggap ditinggalkan dan tidak boleh diperolehi semula di bawah ini. 9. Sekiranya pada masa timbulnya sesuata tuntutan di bawah Polisi ini terdapat Insurans lain yang melindungi liabiliti yang sama, Syarikat tidak boleh dipertanggungjawabkan untuk membayar atau memberi sumbangan yang lebih daripada bahagian yang boleh dikadarkan ke atas sebarang tuntutan serta kos dan belanja berhubung dengan perkara tersebut. 10. Pelaksanaan dan penunaian terma-terma, syarat-syarat dan pengendorsan-pengendorsan Polisi ini yang Pihak Diinsuranskan wajar amalkan dan patuhi serta kebenaran pada pernyataan dan jawapan-jawapan dalam Cadangan yang dibuat itu hendaklah dijadikan syarat-syarat terdahulu (conditions precedent) kepada sebarang liabiliti pihak Syarikat sebelum ia membuat apa-apa bayaran Polisi ini. 4
7 11. Waranti Premium Adalah syarat khas asas dan mutlak kontrak insurans ini bahawa premium yang perlu dibayar mestilah dijelaskan dan diterima oleh Syarikat dalam masa enam puluh (60) hari dari tarikh bermulanya Polisi/Endorsan/Pembaharuan Notis ini. Sebarang senjata peperangan yang menggunakan belahan atau campuran atom atau nuklear dan/atau campuran tindakbalas yang mempunyai kesan sama ada Jika syarat ini tidak dipatuhi maka kontrak ini secara automatik terbatal dan Syarikat berhak keatas premium pro rata untuk tempoh yang mereka telah menanggung risiko. Di mana premium yang perlu dibayar mengikut waranti ini diterma oleh ejen Syarikat yang diberi kuasa, bayaran tersebut hendaklah dianggap telah diterima oleh Syarikat bagi maksud waranti ini dan tanggungjawab membuktikan bahawa premium yang perlu dibayar itu telah diterima oleh seseorang, termasuk ejen insurans, yang tidak diberi kuasa untuk menerima premium demikian hendaklah terletak pada Syarikat. Sekiranya terdapat apa-apa percanggahan atau ketidakselarian di antara sebarang kandungan dokumen ini dengan kandungan dokumen yang sama dikeluarkan atau dicetak dalam Bahasa Inggeris, Kandungan dokumen yang telah dikeluarkan atau dicetak dalam Bahasa Inggeris akan diberi keutamaan. 12
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