2. What are the covers / benefits provided? Marine Cargo insurance covers the risks of loss of or damage to the goods insured during transportation.
|
|
- Antony Tyrone Richards
- 5 years ago
- Views:
Transcription
1 MARINE CARGO INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What is this product about? Marine Cargo insurance covers the transportation of goods from one place to another by sea, air or land against loss of or damage caused by a wide range of perils. 2. What are the covers / benefits provided? Marine Cargo insurance covers the risks of loss of or damage to the goods insured during transportation. The most commonly used clauses are:- Institute Cargo Clauses (C) Coverage available: Fire or explosion Vessel or craft being stranded, grounded, sunk or capsized Overturning or derailment of land conveyance Collision or contact of vessel, craft or conveyance with any external object other than water Discharge of cargo at a port of distress General average sacrifice Jettison Institute Cargo Clauses (B) Coverage of Institute Cargo Clauses (C) above plus: Earthquake, volcanic eruption or lightning Washing overboard Entry of sea, lake or river water into vessel craft hold, conveyance, container or place of storage Total loss of any package lost overboard or dropped whilst loading onto, or unloading from, vessel or craft Institute Cargo Clauses (A) Coverage of Institute Cargo Clauses (B) above plus accidental damage unless excluded under the Exclusion Clause Extension War as provided in the Institute War Clauses (Cargo) and Strikes as provided in the Institute Strikes Clauses (Cargo) are extensions cover in conjunction with the same Shipment. 3. What is the Period of Cover and Renewal Option? Insurance effected under Institute Cargo Clause commences when the goods are first moved in the warehouse or at the place of storage for the purpose of the immediate loading into or onto the carrying vehicle or other conveyance for the commencement of transit, continues during the ordinary course of transit and terminates either on completion of unloading from the carrying vehicle or other conveyance in or at the final warehouse or place of storage at the destination named in the contract of insurance, on completion of unloading from the carrying vehicle or other conveyance in or at any other warehouse or place of storage, whether prior to or at the destination named in the contract of insurance, which the Assured or their employees elect to use either for storage other than in the ordinary course of transit or for allocation or distribution, or when the Assured or their employees elect to use any carrying vehicle or other conveyance or any container for storage other than in the ordinary course of transit or on the expiry of 60 days after completion of discharge overside of the subject-matter insured from the oversea vessel at the final port of discharge, whichever shall first occur. (MC/PDS ) 1
2 4. How much premium do I have to pay? The premium that you have to pay may vary depending on the description of the goods, method of packing, vessel used, claim experience, destination, amount insured. The premium rate is applied to the insured value Sum Insured : RM Rate applicable : % The estimated total premium that you have to pay is : RM 5. What are the fees and charges I have to pay? What you have to pay in addition to the premium Amount Goods and Services Tax (GST) 6% of premium Stamp Duty RM What is included in the premium Commission paid to the insurance intermediaries (if any) Amount Up to 15% of premium 6. What are some of the key terms and conditions that I should be aware of? a) DUTY OF DISCLOSURE Consumer Insurance Contract Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance wholly for purposes unrelated to your trade, business or profession, you have a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form and you must answer the questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance. You are also required to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied. Non Consumer Insurance Contract Pursuant to Paragraph 4(1) of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance for purposes related to your trade, business or profession, you have a duty to disclose any matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant, otherwise it may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance. This duty of disclosure for Consumer and Non-Consumer Insurance Contract shall continue until the time the contract is entered into, varied or renewed. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us, any of the information given in the Proposal Form is inaccurate or has changed. b) Excess - An excess is the amount which you will have to pay when you make a claim under your policy. Any excess which may apply to your policy will be deducted from any payments we make on your claim. c) You must inform us if the goods insured is shipped on deck and not put in containers. Otherwise, it is understood that the goods are shipped under deck. d) Conditions of Goods - Please be advice that if the goods insured are used/ second-hand. Otherwise, it is understood that the goods insure are brand new. e) Claims Experience - Please be advice that the claims experience is important for underwriting consideration during the risk assessment. Note: This list is non-exhaustive. Please refer to the policy contract for the full list of terms and conditions under this policy. 2
3 7. What are the major exclusions under this policy? This policy does not cover:- Loss damage or expense attributable to wilful misconduct of the Assured Ordinary leakage, loss in weight or volume, or ordinary wear and tear of the subject matter insured Loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject matter insured; Loss damage or expense caused by Inherent vice or nature of the subject matter insured Loss damage or expense arising from unseaworthiness of vessel or craft, unfitness of vessel, craft, container or conveyance for the safe carriage of the subject-matter insured Loss damage or expense caused by delay, even though the delay be caused by a risk insured against Loss damage or expense caused by insolvency or financial default of the owners, managers, charterers or operators of the vessel Deliberate damage to or deliberate destruction of the subject matter insured or any part thereof by the wrongful act of any person or persons Loss damage or expense directly or indirectly caused by or arising from the use of any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter War & Strikes Note : This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy. 8. Can I cancel my policy? You may cancel your policy by giving written notice to be substantiated with evidence that the shipment has been cancelled by buyer/supplier to the insurance company. Upon cancellation, you are entitled to a refund premium. 9. What do I need to do if there are changes to my contact details? It is important that you inform us if there are changes in your contact details to ensure that all future correspondences reach you in a timely manner. 10. Where can I get further information? If you have any enquiries, please contact us during operating hours from 8.30 am to 5 pm (Monday Friday) at: Customer Service Centre Berjaya Sompo Insurance Berhad (62605-U) Level 36, Menara Bangkok Bank 105, Jalan Ampang Kuala Lumpur Tel. : Fax : Toll Free No. : (Within Malaysia) info@berjayasompo.com.my Website : IMPORTANT NOTE: YOU MUST ENSURE THAT YOUR PROPERTY IS INSURED AT THE APPROPRIATE AMOUNT. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT/BROKER OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION. The information provided in this disclosure sheet is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract. Berjaya Sompo Insurance Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. The information provided in this disclosure sheet is valid as at 9 Nov,
4 INSURANS KARGO MARIN Lembaran Pendedahan Produk (Sila baca Lembaran Pendedahan Produk ini sebelum anda membuat keputusan untuk membeli insurans ini. Pastikan anda juga telah membaca terma dan syarat am.) 1. Apakah produk ini? Insurans Kargo Marin melindungi pengangkutan barang-barang dari satu tempat ke tempat lain melalui laut, udara atau darat terhadap kehilangan atau kerosakan yang disebabkan oleh pelbagai bahaya. 2. Apakah perlindungan/faedah yang disediakan? Insurans Kargo Marin melindungi risiko kerugian atau kerosakan kepada barangan yang diinsuranskan semasa pengangkutan. Fasal yang paling umum digunakan ialah: - Institute Cargo Clauses (C) Pelindungan yang disediakan: Kebakaran atau letupan Kapal atau kraf terkandas, tersadai, tenggelam atau terbalik Pengangkutan darat yang terbalik atau terbabas, Perlanggaran atau sentuhan kapal,kraf atau kenderaan dengan objek luaran selain daripada air Pemunggahan kargo dari kapal di pelabuhan yang berlaku kekecohan Pengorbanan purata am Pembuangan muatan bagi mengurangkan bebanan kapal Institute Cargo Clauses (B) Liputan Institute Cargo Clauses (C) di atas serta: Gempa bumi, letupan gunung berapi atau kilat Terjatuh ke laut akibat badai Kemasukan air laut, tasik atau sungai ke dalam kapal kraf memegang, alat pengakutan, kontena atau tempat simpanan Jumlah keseluruhan mana-mana pakej hilang ke laut atau terjatuh semasa memuatkan ke dalam atau pemunggahan dari kapal atau kraf. Institute Cargo Clauses (A) Liputan Institute Cargo Clauses (B) di atas serta dengan kerosakan yang tidak disengajakan melainkan dikecualikan di bawah Fasal Pengecualian. Lanjutan Perang yang diperuntukkan dalam Institute War Clauses (Cargo) dan mogok seperti yang diperuntukkan dalam Institute Strikes Clauses (Cargo) adalah lanjutan meliputi semasa penghantaran yang sama. 3. Apakah Tempoh Perlindungan dan Pembaharuan Pilihan? Institute Cargo Clauses Perlindungan bermula apabila barangan itu mula berpindah di dalam gudang atau di tempat penyimpanan untuk tujuan memuatkan serta-merta ke dalam atau kepada kenderaan yang membawa atau kenderaan lain untuk memulakan transit, sambung semasa perjalanan biasa transit dan berakhir sama ada : Apabila selesainya pemunggahan dari kenderaaan barangan atau kenderaaan lain di atau pada gudang terakhir atau tempat penyimpanan di destinasi dinamakan dalam polisi ini. Apabila selesainya pemuggahan dari kenderaaan barangan atau kenderaan lain di atau pada mana-mana gudang atau tempat penyimpanan yang lain, sama ada sebelum atau di destinasi dinamakan dalam polisi ini yang mana dipilih untuk diguna oleh Pihank Yang Diinsuranskan atau perkerja mereka sama ada untuk disimpan selain daripada dalam perjalanan transit biasa atau untuk pembahagian atau pengedaran atau Apabila Pihak Yang Diinsuranskan atau perkerja mereka memilih untuk mengguna mana-mana kenderaan barangan atau kenderaan lain bagi mana-mana kontena untuk penyimpanan selain daripada dalam perjalanan transit biasa atau Apabila tamatnya 60 hari selepas selesainya pemuggahan subjek berkenaan diinsuranskan dari kapal luar negeri yang tiba ke pelabuhan pemunggahan terakhir. Yang mana berlaku terlebih dahulu. (MC/PDS ) 1
5 4. Berapakah premium yang saya perlu bayar? Premium yang anda perlu bayar mungkin berbeza bergantung kepada perihal barang-barang, kaedah pembungkusan, vesel yang digunakan, pengalaman tuntutan, destinasi, jumlah diinsuranskan. Kadar premium digunakan untuk jumlah yang diinsuranskan. Jumlah Diinsuranskan : RM Kadar yang dikenakan : % Anggaran jumlah premium yang perlu anda bayar ialah : RM 5. Apakah yuran dan caj yang saya perlu bayar? Apa yang anda perlu bayar sebagai tambahan kepada premium Jumlah Cukai Barangan dan Perkhidmatan (CBP) 6% daripada premium Duti Setem RM Apa yang termasuk dalam premium Komisen yang dibayar kepada pengantara insurans (jika ada) Jumlah Sehingga 15% daripada premium 6. Apakah terma dan syarat utama yang saya harus ketahui? a) KEWAJIPAN PENDEDAHAN Kontrak Insurans Pengguna Menurut Perenggan 5 daripada Jadual 9 Akta Perkhidmatan Kewangan 2013, jika anda memohon insurans ini sepenuhnya untuk tujuan yang tidak berkaitan perdagangan, perniagaan atau profesion anda, anda mempunyai kewajipan untuk mengambil langkah yang munasabah untuk tidak salah nyata dalam menjawab soalan-soalan dalam Borang Cadangan ini. Anda dikehendaki menjawab soalan-soalan dalam Borang Cadangan ini dengan lengkap dan tepat. Kegagalan untuk mengambil langkah yang munasabah dalam menjawab soalan-soalan, mungkin mengakibatkan pembatalan kontrak insurans anda, keengganan atau pengurangan gantirugi, perubahan terma atau penamatan kontrak insurans anda. Anda dikehendaki untuk mendedahkan apa-apa perkara lain yang anda tahu akan mempengaruhi keputusan kami dalam menerima risiko dan menentukan kadar dan terma yang dikenakan. Kontrak Insurans Komersial Menurut Perenggan 4(1) Jadual 9 Akta Perkhidmatan Kewangan 2013, jika anda memohon insurans ini untuk tujuan yang berkaitan dengan perdagangan, perniagaan atau profesion anda, anda berkewajipan untuk mendedahkan apaapa perkara yang anda tahu akan mempengaruhi keputusan kami dalam menerima risiko dan menentukan kadar dan terma yang dikenakan, dan apa-apa perkara yang munasabah yang boleh dijangka, jika tidak ia boleh menyebabkan pembatalan kontrak insurans, keengganan atau pengurangan ganti rugi, perubahan terma atau penamatan kontrak insurans anda. Kewajipan pendedahan untuk Kontrak Insurans Pengguna dan Kontrak Insurans Komersial hendaklah diteruskan sehingga kontrak insurans anda dimeterai, diubah atau diperbaharui dengan kami. Anda juga mempunyai kewajipan untuk memberitahu kami dengan serta-merta jika pada bila-bila masa selepas kontrak insurans anda ditandatangani, diubah atau diperbaharui dengan kami, apa-apa maklumat yang dinyatakan dalam Borang Cadangan ini tidak tepat atau telah berubah. b) Lebihan - Polisi ini mungkin tertakluk kepada lebihan. Lebihan adalah jumlah yang anda perlu menbayar apabila anda membuat tuntutan di bawah polisi anda. Sebarang lebihan yang boleh dikenakan kepada polisi anda akan ditolak daripada mana-mana pembayaran yang kami buat pada tuntutan anda. c) Anda dikehendaki memaklumkan pihak kami jika barangan diinsuranskan diangkut di atas geladak dan bukannya dalam kontena. Jika tidak, ia akan difahamkan bahawa barangan diinsuranskan diangkut dalam geladak. d) Keadaan Barangan - Sila memberitahu bahawa jika barangan yang diinsuranskan adalah barangan terpakai. Jika tidak, ia difahami bahawa barang diinsuranskan adalah baru. e) Pengalaman Tuntutan - Harap maklum bahawa pengalaman tuntutan adalah penting untuk pertimbangan pengunderaitan dalam penilaian risiko. Nota: Senarai ini bukannya senarai yang lengkap. Sila rujuk kepada kontrak polisi untuk senarai penuh bagi terma dan syarat di bawah polisi ini. 2
6 7. Apakah pengecualian utama di bawah polisi ini? Polisi ini tidak melindungi: Kerugian, kerosakan atau perbelanjaan yang disebabkan oleh salah laku sengaja daripada Pihak Yang Diinsuranskan Kebocoran biasa, kehilangan berat atau jisim biasa, kehausan dan keusangan biasa pada subjek yang diinsuranskan Kerugian, kerosakan atau perbelanjaan yang disebabkan oleh ketidakcukupan atau ketidaksesuaian pembungkusan atau persediaan pada subject diinsuranskan. Kerugian, kerosakan atau perbelanjaan yang disebabkan oleh keburukan sedia ada atau sifat subjek yang diinsuranskan Kerugian, kerosakan atau perbelanjaan yang timbul dari ketidaksesuaian kapal atau kraf untuk belayar dan ketidaklayakan kapal, kraf, kontena atau kenderaan untuk mengangkut subjek diinsuranskan Kerugian, kerosakan atau perbelanjaan disebabkan oleh kelewatan walaupun disebabkan oleh risiko yang diinsuranskan Kerugian, kerosakan atau perbelanjaan yang disebabkan oleh ketaksolvenan atau keingkaran kewangan oleh pemilik pengurus penyewa atau pengendali kapal Kerosakan yang disengajakan atau pemusnahan subjek yang diinsuranskan Kerugian, kerosakan atau perbelanjaan timbul dari penggunaan mana-mana senjata atau peralatan perang yang menggunakan pembelahan atom atau nuclear dan/atau gabungannya atau lain-lain reaksi yang serupa ataur kekuatan atau bahan radioaktif. Perang & mogok Nota: Senarai ini bukannya senarai yang lengkap. Sila rujuk kepada kontrak polisi untuk senarai penuh bagi pengecualian di bawah polisi ini. 8. Bolehkah saya membatalkan polisi saya? Anda boleh membatalkan polisi anda dengan memberi notis bertulis kepada kami dengan bukti yang boleh membuktikan bahawa penghantaran telah dibatalkan oleh pembeli/penjual. Selepas pembatalan, anda layak mendapat pemulangan premium. 9. Apakah yang harus saya lakukan jika terdapat perubahan dalam butiran peribadi saya? Adalah penting bagi anda untuk memaklumkan pihak kami tentang sebarang perubahan mengenai maklumat anda bagi memastikan semua surat-menyurat dapat disampaikan kepada anda tepat pada masanya. 10. Di manakah saya boleh dapatkan maklumat lanjut? Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami waktu beroperasi dari jam 8.30 pagi hingga 5 petang (Isnin Jumaat) di: Pusat Khidmat Pelanggan Berjaya Sompo Insurance Berhad (62605-U) Tingkat 36, Menara Bangkok Bank 105, Jalan Ampang Kuala Lumpur Tel. : Faks : Talian Bebas Tol : (Dalam Malaysia) E-mel : info@berjayasompo.com.my Laman Web : NOTA PENTING: ANDA HARUS MEMASTIKAN HARTA ANDA DIINSURANSKAN DENGAN NILAI YANG BERSESUAIAN. ANDA HARUS BACA DAN FAHAM KANDUNGAN POLISI INSURANS DAN BERBINCANG DENGAN EJEN/BROKER ANDA ATAU HUBUNGI SYARIKAT INSURANS UNTUK MAKLUMAT LANJUT. Maklumat yang diberikan di dalam Lembaran Pendedahan Produk ini cuma penerangan ringkas untuk rujukan cepat dan mudah. Terma dan syarat yang lengkap yang dikenakan adalah terkandung di dalam kontrak polisi. Berjaya Sompo Insurance Berhad dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawalselia oleh Bank Negara Malaysia. Maklumat yang disediakan dalam lembaran pendedahan ini adalah sah bermula dari 9 Nov,
School Children Personal Accident Insurance Plan - List Of Insured Persons
School Children Personal Accident Insurance Plan - List Of Insured Persons IMPORTANT NOTE Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance
More informationStamp Duty RM What is included in the premium Commission paid to the insurance intermediaries (if any)
BURGLARY INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What is this
More informationThis Policy reflects the terms and conditions of the contract of insurance as agreed between you and the Company.
(62605-U) This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the answers given in your Proposal Form (or when you applied for this insurance)
More informationEquipment All Risks Insurance Policy
Equipment All Risks Insurance Policy PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Equipment All Risks Insurance Policy. Be sure to also read the general
More informationEquipment All Risks Insurance Policy
Equipment All Risks Insurance Policy PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Equipment All Risks Insurance Policy. Be sure to also read the general
More informationDuration of cover is usually for one year. You need to renew your insurance policy annually.
FIDELITY GUARANTEE INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1.
More informationCoverage is subject to the spray painting of the whole vehicle at the same panel workshop that carries out the damage repairs.
ACCIDENT SUPPORT REPAIR PLUS + Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general terms and conditions.) 1.
More informationAPPLICATION FOR A PERFORMANCE BOND / ADVANCE PAYMENT BOND
APPLICATION FOR A PERFORMANCE BOND / ADVANCE PAYMENT BOND Pursuant to Paragraph 4(1) of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance for a purpose related to your
More information3. What is the Period of Cover and Renewal Option? Duration of cover is usually for one year. You need to renew your insurance policy annually.
BUSINESSINSURE PACK INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1.
More informationBenefits Description Sum Insured (RM) Benefit A Death 20,000 per unit per person
My Auto PAC PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the My Auto PAC Personal Accident Cover (PAC). Be sure to also read the general terms and conditions.)
More information3. How much premium do I have to pay? The total premium that you have to pay depends on the benefits you have selected.
ACCIDENT SUPPORT REPAIR PLUS + Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general terms and conditions.) 1.
More information3. What is the Period of Cover and Renewal Option? Duration of cover is usually for one year. You need to renew your insurance policy annually.
JMB/MC INSURANCE PACKAGE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What
More information1. What is this product about? This policy indemnifies you against fire, theft and accidental damage to your mobile equipment.
EQUIPMENT INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What is
More informationNote: This policy is subject to a minimum premium of RM75.00 for commercial risk and RM60.00 for private dwelling risk.
FIRE INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What is this
More informationNOTE: It is an offence under the laws of Singapore to enter the country without extending passenger liability cover to your motor insurance.
MOTOR INSURANCE (PRIVATE CAR) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general terms and conditions.) 1.
More informationLIVING CARE. Critical Illness Insurance
LIVING CARE Critical Illness Insurance PREMIUM TABLE ANNUAL PREMIUM (RM) (excluding Service Tax and Stamp Duty)/ SUM INSURED (RM) Attained Age 50,000 100,000 150,000 200,000 250,000 (Next Birthday) Male
More informationPRODUCT DISCLOSURE SHEET
RelaPAC PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the RELA Motorcyclist s Personal Accident Cover (RELAPAC). Be sure to also read the general terms and
More informationTypes Comprehensive cover
MOTOR INSURANCE (PRIVATE CAR) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general terms and conditions.) 1.
More informationCoverage Description Sum Insured (RM) 50,000per unit per person
TAGPAC PLUS PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the TagPAC Plus). Be sure to also read the general terms and conditions.) 1. What is this product
More informationCONTRACTOR S ALL RISK INSURANCE
CONTRACTOR S ALL RISK INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More informationBenefits Description Sum Insured. Benefit A Death RM40,000 per person
POS PAC 3 PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out POS Personal Accident Cover 3 (POS PAC 3). Be sure to also read the general terms and conditions.) 1.
More information3. What is the Period of Cover and Renewal Option? Duration of cover is usually for one year. You need to renew your insurance policy annually.
HOUSEOWNER/HOUSEHOLDER INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general terms and conditions.)
More information3. What is the Period of Cover and Renewal Option? Duration of cover is usually for one year. You need to renew your insurance policy annually.
MACHINERY INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What is
More informationBenefit Description Sum Insured (RM) A Death RM 35,000 per unit B Permanent Disablement
COMMPAC PLUS PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Commercial Plus Personal Accident Cover (PAC). Be sure to also read the general terms and conditions.)
More informationFOREIGN WORKERS COMPENSATION SCHEME (FWCS) Product Disclosure Sheet
FOREIGN WORKERS COMPENSATION SCHEME (FWCS) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More informationCoverage Description Sum Insured (RM) 40,000 per person. *Funeral Expenses 1,000 Description Basic (RM) Super (RM) Extra Coverage
AgreedPAC PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Agreed Personal Accident Cover (PAC). Be sure to also read the general terms and conditions.) 1.
More informationHOUSEOWNER/HOUSEHOLDER INSURANCE
HOUSEOWNER/HOUSEHOLDER INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general terms and conditions.)
More informationPRODUCT DISCLOSURE SHEET
Fire Insurance PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Fire Insurance. Be sure to also read the general terms and conditions.) Date SCHEDULE 9 OF
More information3. What is the Period of Cover and Renewal Option? Duration of cover is usually for one year. You need to renew your insurance policy annually.
HOUSEOWNER/HOUSEHOLDER INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More information3. What is the Period of Cover and Renewal Option? Duration of cover is usually for one year. You need to renew your insurance policy annually.
HOUSEOWNER/HOUSEHOLDER INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More informationPersonal Accident Insurance
Personal Accident Insurance PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Personal Accident Insurance. Be sure to also read the general terms and conditions.)
More information1. What is this product about? This policy provides Comprehensive cover only. The coverage of the policy as per table below: - Types
SOMPO MOTOR (PRIVATE CAR COMPREHENSIVE INSURANCE POLICY) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general
More informationPRODUCT DISCLOSURE SHEET
Fire Insurance PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Fire Insurance. Be sure to also read the general terms and conditions.) Date 1. What is this
More informationNOTE: It is an offence under the laws of Singapore to enter the country without extending passenger liability cover to your motor insurance.
MOTOR INSURANCE (COMMERCIAL VEHICLE) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More information1. What is this product about? This policy provides Comprehensive cover only. The coverage of the policy as per table below:- Types
SOMPO MOTOR INSURANCE (PRIVATE CAR COMPREHENSIVE POLICY) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general
More informationHouseowner / Householder Insurance
Houseowner / Householder Insurance PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Houseowner / Householder Insurance. Be sure to also read the general terms
More informationNote: It is an offence under the laws of Singapore to enter the country without extending Passenger Liability cover to your motor insurance.
MOTOR INSURANCE (MOTORCYCLE CONSUMER) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More informationNOTE: It is an offence under the laws of Singapore to enter the country without extending Passenger Liability cover to your motor insurance.
MOTOR INSURANCE (MOTORCYCLE NON CONSUMER) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More informationFOREIGN WORKERS COMPENSATION SCHEME (FWCS)
FOREIGN WORKERS COMPENSATION SCHEME (FWCS) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.)
More informationPRODUCT DISCLOSURE SHEET
Optimuz PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take up the Optimuz Policy. Be sure to also read the general terms and conditions.) Date: 15 th October
More information1. What is this product about? This package policy provides you with comprehensive protection covering the following:
HOME CARE INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What is
More informationPRODUCT DISCLOSURE SHEET
Optimuz PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take up the Optimuz Policy. Be sure to also read the general terms and conditions.) Date: 1st August 2015
More informationAs charged in accordance to 2 Hospital Supplies & Services
FOREIGN WORKERS HOSPITALIZATION & SURGICAL (FWHS/SKHPPA) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general
More informationCONTRACTORS ALL RISKS INSURANCE INSURANS SEMUA RISIKO KONTRAKTOR PROPOSAL FORM / BORANG CADANGAN
DMS/15/CAR/P/001/Jan. LONPAC INSURANCE BHD (307414-T) Head Office : LG, 6th, 7th, 21st to 26th Floor, Bangunan Public Bank, 6, Jalan Sultan Sulaiman, 50000 Kuala Lumpur, Malaysia. P.O. Box 10708, 50722
More informationTAKAFUL MOTOR/MOTOR TAKAFUL LEMBARAN PENERANGAN PRODUK PRODUCT DISCLOSURE SHEET
LEMBARAN PENERANGAN PRODUK PRODUCT DISCLOSURE SHEET (Sila baca Lembaran Penerangan Produk ini sebelum anda memohon Takaful Motor. Pastikan juga anda telah membaca terma-terma dan syarat-syarat/read this
More informationYou are liable for any unauthorized transactions before reporting to the Bank.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Debit Cards. Be sure to also read the general terms and conditions.) DEBIT CARDS: Maybank Visa Debit 1. What
More informationThis policy provides you with the medical card facilities for cashless admission in any of our panel hospitals in Malaysia.
MediLove PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before your decide to take out the MediLove. Be sure to also read the general terms and conditions) Date: 1. What is this product about?
More informationApartment and Condominium Insurance Package
Apartment and Condominium Insurance Package APARTMENT AND CONDOMINIUM INSURANCE PACKAGE Anything can happen at any time. Protect the property under your management and get covered with our Apartment and
More informationClass 3 Occupation Professions and occupations involving manual work and/or the use of tools or machinery.
SNATCH CARE PLUS GROUP PERSONAL ACCIDENT Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general terms and conditions.)
More informationFlexi PA (Personal Accident Insurance)
Flexi PA (Personal Accident Insurance) PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Flexi PA. Be sure to also read the general terms and conditions.) 1.
More information3. What are the covers / benefit provided?
SOMPO TRAVEL PLUS Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What is this
More informationAllianz General Insurance Company (Malaysia) Berhad ( V)
Prepared for: Printed Date as: PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take up CIMB Auto Relief Insurance Policy. Be sure to also read the general terms and conditions.)
More informationBORANG CADANGAN TAKAFUL SEMUA RISIKO (HARTA BENDA PERIBADI) ALL RISKS TAKAFUL PROPOSAL FORM (PERSONAL EFFECTS)
BORANG CADANGAN TAKAFUL SEMUA RISIKO (HARTA BENDA PERIBADI) ALL RISKS TAKAFUL PROPOSAL FORM (PERSONAL EFFECTS) NOTIS PENTING Kontrak Takaful Pengguna Menurut Perenggan 5 dari Jadual 9 Akta Perkhidmatan
More informationSmartHome Essential. Product Disclosure Sheet. 1 of 3. Important Note
SmartHome Essential Product Disclosure Sheet Important Note 1. Read this Product Disclosure Sheet before you decide to take out the SmartHome Essential Insurance Policy. Be sure to also read through the
More informationTHE PORTABLE & PERSONAL MEDICAL PLAN
A-Health Maximiser THE PORTABLE & PERSONAL MEDICAL HEALTH PLAN Maximising your protection to meet your changing needs Purchase with AIA PRS to fund your retirement years aia.com.my A-Health Maximiser Maximising
More informationPolisi Pemain Golf. Golfer s Policy
Polisi Pemain Golf Golfer s Policy Bahawasanya Pemegang Insurans (seterusnya dirujuk sebagai Majikan) yang dinyatakan di dalam Jadual ini, menerusi Cadangan dan Perakuan bersama surat-menyurat yang berkaitan
More informationMotor Takaful Certificate
Motor Takaful Certificate LEMBARAN PENERANGAN PRODUK / PRODUCT DISCLOSURE SHEET (Sila baca Lembaran Penerangan Produk ini sebelum Anda memohon Takaful Motor. Pastikan juga Anda telah membaca terma-terma
More informationBorang Cadangan Liability Awam Public Liability Proposal Form
Borang Cadangan Liability Awam Public Liability Proposal Form NOTIS PENTING Kontrak Takaful Pengguna Menurut Perenggan 5 dari Jadual 9 Akta Perkhidmatan Kewangan Islam 2013, jika anda memohon takaful ini
More informationDate: 10 July Contribution less wakalah fee will be credited to the GTF as Tabarru' (a.k.a. cost of insurance in conventional insurance).
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to participate in the Marine Cargo Scheme. Please be sure to also read the general terms and conditions. Marine Cargo
More informationFIRE INSURANCE INSURANS KEBAKARAN PROPOSAL FORM / BORANG CADANGAN
LONPAC INSURANCE BHD (307414-T) Head Office : LG, 6th, 7th, 21st to 26th Floor, Bangunan Public Bank, 6, Jalan Sultan Sulaiman, 50000 Kuala Lumpur, Malaysia. P.O. Box 10708, 50722 Kuala Lumpur, Malaysia.
More informationMEDISECURE BOOSTER POLICY (Hospitalisation & Surgical Insurance) POLISI MEDISECURE BOOSTER (Insurans Hospital dan Pembedahan)
MEDISECURE BOOSTER POLICY (Hospitalisation & Surgical Insurance) POLISI MEDISECURE BOOSTER (Insurans Hospital dan Pembedahan) FOR CONSUMER INSURANCE CONTRACTS (INSURANCE WHOLLY FOR PURPOSES UNRELATED TO
More informationMotor Comprehensive Cover Insurance
PRODUCT DISCLOSURE SHEET (PDS) (Read this Product Disclosure Sheet before you decide to take out this Product. Be sure to also read the general terms and conditions of this Policy) 1. What is this product?
More informationProduct Disclosure Sheet / Lampiran Penerangan Produk
Product Disclosure Sheet / Lampiran Penerangan Produk Perlindungan Ragut Pulangan 30% Personal Accident Insurance Policy / Polisi Insurans Kemalangan Peribadi Please read this Product Disclosure Sheet
More informationValuePac
1 300 88 1616 www.axa.com.my ValuePac AXA AFFIN Life Insurance Berhad (723739W) 8 th Floor, Chulan Tower, No. 3, Jalan Conlay, 50450 Kuala Lumpur Tel: 03 2117 6688 Fax: 03 2117 3698 1 300 88 1616 www.axa.com.my
More informationThis policy provides you with the medical card facilities for cashless admission in any of our panel hospitals in Malaysia.
MediLove PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before your decide to take out the MediLove. Be sure to also read the general terms and conditions) Date: 1. What is this product about?
More information1. What is this product about? This policy provides comprehensive cover only. The coverage of the policy as per the table below: Types
SOMPO MOTOR (PRIVATE CAR COMPREHENSIVE INSURANCE POLICY) Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up this insurance. Be sure to also read the general
More informationProduct Disclosure Sheet / Lampiran Penerangan Produk
Product Disclosure Sheet / Lampiran Penerangan Produk Home Guard Plus Please read this Product Disclosure Sheet before You decide to take out the Home Guard Plus TM plan. Be sure to also read the general
More informationDate: 07/05/2014. Please refer to the Takaful Certificate contract for more information.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the IKHLAS Fidelity Guarantee Takaful. Be sure to also read the general terms and conditions.) 1) What is
More informationTravelPAC (Travel Insurance)
TravelPAC (Travel Insurance) PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take out the TravelPAC. Be sure to also read the general terms and conditions.) 1.
More informationTravelPAC (Travel Insurance)
TravelPAC (Travel Insurance) PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take out the TravelPAC. Be sure to also read the general terms and conditions.) Date:
More informationTravelPAC (Travel Insurance)
TravelPAC (Travel Insurance) PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take out the TravelPAC. Be sure to also read the general terms and conditions.) Date
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the Manchester United Prepaid Card (MU Prepaid). Be sure to also read the general terms and conditions. June 2012
More informationTRAVEL CARE INSURANCE
TRAVEL CARE INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1. What is
More informationSmartPA. Product Disclosure Sheet. 1 of 2. Important Note
SmartPA Product Disclosure Sheet Important Note 1. Read this Product Disclosure Sheet before you decide to take out the SmartPA Insurance Policy. Be sure to also read through the general terms and conditions.
More informationGroup Hospital and Surgical Plan
Group Hospital and Surgical Plan PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Group Hospital and Surgical Plan. Be sure to also read the general terms
More informationPACIFIC MUTUAL FUND BHD IMPORTANT NOTICE ON PERSONAL DETAILS NOTIS PENTING BERKENAAN MAKLUMAT PERIBADI
PACIFIC MUTUAL FUND BHD IMPORTANT NOTICE ON PERSONAL DETAILS NOTIS PENTING BERKENAAN MAKLUMAT PERIBADI The Personal Data Protection Act 2010 (hereinafter referred to as the Act ) came into effect on 15
More informationM A X I S M O B I L E S E R V I C E S S D N B H D T 1 C P
M A X I S M O B I L E S E R V I C E S S D N B H D 7 3 3 1 5 - T 1 C P - 8 1 6 7 0 6 ACE Jerneh Insurance Berhad (9827-A) Wisma ACE Jerneh, 38 Jalan Sultan Ismail 50250 Kuala Lumpur Malaysia Tel 03 2058
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take up the KFH INTERNATIONAL COMMODITY MURABAHAH DEPOSIT-i. Please also read the general terms and conditions.)
More informationProduct Disclosure Sheet / Lampiran Penerangan Produk
Product Disclosure Sheet / Lampiran Penerangan Produk BSN Snatch & Financial Protection Plan Please read this Product Disclosure Sheet before You decide to take out the BSN Snatch & Financial Protection
More informationMaybank Visa Debit Picture Card
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Debit Cards. Be sure to also read the general terms and conditions.) DEBIT CARDS: Maybank Visa Debit Picture
More informationPolisi Pemain Golf. Golfer s Policy
Polisi Pemain Golf Golfer s Policy Bahawasanya Pemegang Insurans (seterusnya dirujuk sebagai Majikan) yang dinyatakan di dalam Jadual ini, menerusi Cadangan dan Perakuan bersama surat-menyurat yang berkaitan
More informationThe above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us.
LONPAC INSURANCE BHD (307414-T) Head Office : LG, 6th, 7th, 21st to 26th Floor, Bangunan Public Bank, 6, Jalan Sultan Sulaiman, 50000 Kuala Lumpur, Malaysia. P.O. Box 10708, 50722 Kuala Lumpur, Malaysia.
More informationBORANG CADANGAN TAKAFUL PERALATAN (BERGERAK DAN TETAP) EQUIPMENT TAKAFUL PROPOSAL FORM (MOBILE AND IMMOBILE)
BORANG CADANGAN TAKAFUL PERALATAN (BERGERAK DAN TETAP) EQUIPMENT TAKAFUL PROPOSAL FORM (MOBILE AND IMMOBILE) NOTIS PENTING: Kontrak Takaful Pengguna Menurut Perenggan 5 dari Jadual 9 Akta Perkhidmatan
More informationPLUSTRACK. 1 June offered (terminal, terminal reload, and cards) for their corporate fleet of vehicles.
PRODUCT DISCLOSURE SHEET -X) (Read this Product Disclosure Sheet before you decide to take out the PLUSTRACK. Be sure to also read the general terms and conditions.) PLUSTRACK 1 June 2018 1. What is the
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to apply for the Trade Services Facility. Please be sure to also read the Terms and Conditions as stated in the Agreement.
More informationEzyCash via M2u EzyCash M2u Plan 6. EzyCash M2u Plan 12. EzyCash M2u Plan 24 Interest rate p.a 0% 8.88% EzyCash. EzyCash M2u Plan 12
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Maybank via Maybank2u facility. Be sure to read the terms and conditions. Seek clarification from your institution
More informationFire Consequential Loss Insurance
Fire Consequential Loss Insurance PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Fire Consequential Loss Insurance. Be sure to also read the general terms
More informationTHE ESSENTIAL PROTECTIONS
Allianz MISC Combo THE ESSENTIAL PROTECTIONS FOR SMALL MANUFACTURERS AND INDEPENDENT RETAILERS PERLINDUNGAN ASAS UNTUK PENGILANG KECIL DAN PERUNCIT BEBAS Allianz General Insurance Company (Malaysia) Berhad
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the Shell easigo American Express Prepaid Card issued by Maybank. Be sure to also read the general terms and conditions.
More informationPRODUCT DISCLOSURE SHEET (PDS)
PRODUCT DISCLOSURE SHEET (PDS) (Read this Product Disclosure Sheet before you decide to take out this Product. Be sure to also read the general terms and conditions of this Policy) 1. What is this product?
More informationForeign Workers Compensation Scheme
Foreign Workers Compensation Scheme PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Foreign Workers Compensation Scheme (FWCS). Be sure to also read the general
More informationForeign Workers Compensation Scheme
Foreign Workers Compensation Scheme PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Foreign Workers Compensation Scheme (FWCS). Be sure to also read the general
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to apply for the Trade Services Facility. Please be sure to also read the Terms and Conditions as stated in the Letter of Offer.
More informationAnnual Travel Protector
PRODUCT DISCLOSURE SHEET (PDS) (Read this Product Disclosure Sheet before you decide to take out this Product. Be sure to also read the general terms and conditions of this Policy) RHB Insurance Berhad
More informationTRAVELRIGHT PLUS INSURANCE (SINGLE TRIP/ANNUAL COVER) INSURANS TRAVELRIGHT PLUS (PERLINDUNGAN SATU PERJALANAN/TAHUNAN)
INSURANCE (SINGLE TRIP/ANNUAL COVER) INSURANS (PERLINDUNGAN SATU PERJALANAN/TAHUNAN) Travel with Peace of Mind Berkembara dengan Ketenangan Fikiran MSIG INSURANCE Travel with Peace of Mind A thousand and
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this product Disclosure Sheet before you decide to sign up the KFH SURE SAVINGS ACCOUNT-i. Be sure you also read the general terms and conditions) KFH SURE SAVINGS ACCOUNT-i
More informationPRODUCT DISCLOSURE SHEET (PDS)
PRODUCT DISCLOSURE SHEET (PDS) (Read this Product Disclosure Sheet before you decide to take out this Product. Be sure to also read the general terms and conditions of this Policy) 1. What is this product?
More informationEzyCash via M2u EzyCash M2u Plan 6. EzyCash M2u Plan 12. EzyCash M2u Plan 24 Interest rate p.a 0% 8.88% EzyCash. EzyCash M2u Plan 12
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Maybank via Maybank2u facility. Be sure to read the terms and conditions. Seek clarification from your institution
More informationDate: 07/05/2014. This product provides Takaful protection against incidents of theft to your property.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the IKHLAS Burglary Takaful. Be sure to also read the general terms and conditions.) 1) What is this product
More informationPREMIUM RATES / KADAR PREMIUM UNDERWRITTEN BY / DITAJA JAMIN OLEH:
Motorcycle Insurance MOTORCYCLE INSURANCE Anything can happen when you re on the open road but with our Motorcycle Insurance, we re there for you when you need us. Our specially designed insurance plan
More information