insure both your home and its contents with one easy plan
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- Austin Maxwell
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1 property insure both your home and its contents with one easy plan SmartHome Optimum The answer to all your home insurance needs
2 With SmartHome Optimum, you have the choice and flexibility to protect your home and precious personal and household belongings according to your needs. It also provides you and your family protection against 24-hour worldwide third party liability. Flexible coverage Unlike some other insurance policies, SmartHome Optimum allows you to tailor the type of protection as well as the level of benefits to suit your needs and budget. Just choose one or both of the Main Covers to enjoy any one or all of the Riders. Table of benefits Main Cover (please select Section (A) and /or (B)) Section Description of Benefit Sum Insured Premium A B Houseowner Insurance 1. Building 2. Rent 3. Owner's Liability Home Contents Insurance All Risk Cover including Special Covers: 1. Loss of money due to theft at home 2. Cost of replacing locks/keys due to break-in 3. Deterioration of food in the freezer 4. Cost of replacing lost legal documents 5. Loss or damage to contents during temporary removal 6. Loss or damage to water filter outside building other than by fire or lightning Riders (please select Section (C) and /or (D)) Cost of rebuilding excl. land value 10% of building insured RM50,000 Total value of the household contents Up to RM1,000 Up to RM500 Up to RM250 Up to RM1,000 15% of total value of contents Up to RM1,000 (excess: RM150 each & every loss) Rate: 0.106% (landed property) /0.109% (flats & apartments) (min. premium: RM60) Rate: 0.75% (min. premium: RM75) SHOME/BR (04/11) Section Description of Benefit Sum Insured Premium C D Worldwide All Risk Insurance - on Personal Effects Worldwide Family Liability Insurance (including USA & Canada) Value of personal effects e.g. jewellery, watches, cameras, etc (excess: RM150 each & every loss) RM200,000 Rate: 1.50% (min. premium: RM75) RM25
3 Enrol for SmartHome Optimum today! Just call your agent or our Customer Service Hotline: (603) for more information. Frequent Questions and Answers Must my house be constructed of brick/concrete walls, reinforced concrete floor and roofed with tiles/concrete/asbestos to enjoy the above premium? Yes, and your house must be solely used as a private dwelling. What are the perils insured by Houseowner Insurance? The perils are fire, lightning, explosion, damage caused by aircraft and road vehicles, bursting of pipes, flood, windstorm, earthquake and theft. Can I include other perils to my Houseowner Insurance? Yes. You can do so by paying additional premium. Can you please explain what is "All Risk Cover"? It covers all the perils under Houseowner Insurance as well as accidental damage and other perils not excluded in this cover. Is there a limit to the sum insured for Home Contents Insurance? Only items such as platinum, gold, silver articles, jewellery and furs which are limited to one third of the sum insured under this benefit. How much can I insure my personal effects under the Worldwide All Risk Insurance? We will insure your personal effects up to RM5,000 for each item. What is Worldwide Family Liability Insurance? It covers third party claims (including legal costs and expenses) for accidental bodily injury or property damage through negligence caused by you, your immediate family members or your domestic helper. Who is AXA Affin General Insurance Berhad? AXA Affin General Insurance Berhad is a member of the AXA Group, with over 1,014 billion euros in assets under management and more than 96 million customers around the world. AXA is one of the world s leading insurer. In Malaysia, it is also a member of the Affin Group, a leader in Malaysia s financial services sector. AXA Affin General Insurance Berhad (23820-W) Ground Floor Wisma Boustead 71 Jalan Raja Chulan Kuala Lumpur Tel/Tel: (603) Fax/Faks: (603) /E-mel: customer.service@axa.com.my 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.
4 harta lindungi kediaman dan isi rumah anda dengan satu pelan yang mudah SmartHome Optimum Penyelesaian untuk semua keperluan insurans rumah anda
5 Dengan SmartHome Optimum, anda mempunyai pilihan dan fleksibiliti untuk melindungi rumah dan barangan peribadi yang berharga dan isi rumah mengikut keperluan anda. Ia juga melindungi anda dan keluarga anda 24 jam serata dunia daripada liabiliti pihak ketiga. Perlindungan yang fleksibel Berbanding dengan polisi-polisi insurans yang lain, SmartHome Optimum memberi anda peluang untuk memilih jenis perlindungan serta tahap manfaat yang bersesuaian dengan keperluan dan belanjawan anda. Anda cuma perlu memilih satu atau kedua-dua Perlindungan Utama untuk menikmati sebarang atau kesemua Rider. Jadual manfaat Perlindungan Utama (sila pilih Bahagian (A) dan/atau (B)) Bahagian Butiran Manfaat Jumlah Yang Diinsuranskan Premium A Insurans Pemilik Rumah 1. Bangunan 2. Sewa 3. Liabiliti Pemilik Kos pembinaan tidak termasuk nilai tanah 10% daripada nilai bangunan yang diinsuranskan RM50,000 Kadar: 0.106% (rumah berhalaman) /0.109% (flat & apartmen) (premium min.: RM60) B Insurans Isi Rumah Perlindungan Segala Risiko termasuk Perlindungan Khas: 1. Kehilangan wang akibat kecurian di rumah 2. Kos penggantian kunci akibat pecah masuk 3. Makanan di dalam peti dinginbeku menjadi rosak 4. Kos penggantian dokumen undang-undang yang hilang 5. Kehilangan atau kerosakan isi rumah ketika proses pemindahan sementara 6. Kehilangan atau kerosakan penapis air di bangunan selain daripada kebakaran atau kilat Jumlah nilai isi rumah Sehingga RM1,000 Sehingga RM500 Sehingga RM250 Sehingga RM1,000 15% daripada jumlah nilai isi rumah Sehingga RM1,000 (ekses: RM150 setiap satu kerugian) Rate: 0.75% (min. premium: RM75) Rider (sila pilih Bahagian (C) dan/atau (D)): Bahagian Butiran Manfaat Jumlah Yang Diinsuranskan Premium SHOME/BR (04/11) C D Insurans Segala Risiko Seluruh Dunia - ke atas Barangan Peribadi Insurans Liabiliti Keluarga Seluruh Dunia (termasuk Amerika Syarikat & Kanada) Nilai barangan peribadi seperti barang kemas, jam, kamera dan lain-lain (ekses: RM150 setiap satu kerugian) RM200,000 Kadar: 1.50% (premium min.: RM75) RM25
6 Daftarlah bersama SmartHome Optimum hari ini! Untuk maklumat lanjut, sila hubungi agen anda atau Talian Perkhidmatan Pelanggan kami: (603) Soalan Anda Dijawab Bagi menikmati premium di atas, mestikah dinding rumah saya dibina dengan menggunakan batu bata/konkrit, lantai dengan konkrit bertetulang dan bumbung pula dibina dengan menggunakan jubin/konkrit/asbestos? Ya, rumah anda juga mesti digunakan sebagai kediaman peribadi sahaja. Apakah perlindungan-perlindungan yang terdapat di bawah Insurans Pemilik Rumah? Perlindungan-perlindungan tersebut adalah kebakaran, kilat, letupan, kerosakan diakibatkan oleh pesawat udara dan kenderaan jalanraya, paip pecah, banjir, ribut taufan, gempa bumi dan kecurian. Bolehkah perlindungan lain ditambah kepada Insurans Pemilik Rumah saya? Ya, dengan hanya membayar premium tambahan. Apakah itu Perlindungan Segala Risiko? Ia melindungi kesemua perlindungan di bawah Insurans Pemilik Rumah termasuk kerosakan yang tidak disengajakan dan lain-lain yang tidak dikecualikan dalam perlindungan ini. Adakah terdapat sebarang had kepada jumlah yang diinsuranskan bagi Insurans Isi Rumah? Barang-barang berharga seperti platinum, emas, barangan perak, barang kemas dan pakaian yang diperbuat daripada bulu binatang adalah terhad kepada satu pertiga daripada jumlah yang diinsuranskan di bawah manfaat ini. Berapa banyak barangan peribadi boleh saya lindungi di bawah Insurans Segala Risiko Seluruh Dunia? Barangan peribadi anda boleh dilindungi sehingga RM5,000 untuk setiap satu barang. Apakah itu Insurans Liabiliti Keluarga Seluruh Dunia? Ia adalah perlindungan terhadap tuntutan pihak ketiga (termasuk kos undang-undang dan perbelanjaan) bagi kecederaan tubuh yang tidak disengajakan atau kerosakan harta benda yang disebabkan oleh kecuaian anda, keluarga terdekat dan pembantu rumah anda. Siapakah AXA Affin General Insurance Berhad? AXA Affin General Insurance Berhad merupakan ahli kepada Kumpulan AXA, dengan aset melebihi 1,014 bilion euros dan mempunyai lebih daripada 96 juta pelanggan di serata dunia. AXA merupakan salah satu penginsurans utama di dunia. Ia juga merupakan ahli kepada Kumpulan Affin, peneraju sektor perkhidmatan kewangan di Malaysia. Risalah ini bukan satu kontrak insurans. Maklumat terperinci terdapat di dalam Polisi. Sekiranya terdapat perbezaan di antara Bahasa Inggeris dan Bahasa Malaysia, maka versi Bahasa Inggeris adalah dianggap muktamad.
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