SCHEDULE OF BENEFITS: WORLDWIDE TRAVEL

Transcription

1 Tune Protect Travel - AirAsia (Annual Plan). Please read the policy contract and schedules carefully. SCHEDULE OF BENEFITS: WORLDWIDE TRAVEL 1 ACCIDENT BENEFIT Summary of benefits Accidental Death or Total Permanent Disability to Insured Person (s) Worldwide Sum Insured (MYR) Individual Plan Up to 100,000 (Age 18 to 65) Up to 50,000 (Age 66 to 75) 2 TRAVEL INCONVENIENCES (a) (b) (c) TRIP CANCELLATION Reimbursement for loss of irrecoverable deposits or charges paid in advance TRIP CURTAILMENT Reimbursement for unused and non-refundable expenses BAGGAGE & PERSONAL EFFECTS i) LOSS / DAMAGE TO BAGGAGE & PERSONAL EFFECTS Pays for theft or damage to the baggage including items worn or carried Max limit per item is MYR 500 Max limit for laptop / Golf Equipment MYR 1,000 ii) BAGGAGE DELAY Pays if your checked -in luggage is delayed or misplaced by airline upon arrival at your destination abroad Up to 10,000 Up to 10,000 Up to 3,500 (Excess 50 per insured) Up to 800 (200 every 6 consecutive hours of delay) (d) (e) (f) (g) LOSS OF PERSONAL MONEY Pays for loss of money due to Theft LOSS OF TRAVEL DOCUMENT Pays for reasonable and necessary expenses incurred for replacement of passport / visa, communication and accommodation AIRASIA ON TIME GUARANTEE Delay more than 2 consecutive hours from scheduled departure time (Applicable for AirAsia s flight only) TRAVEL DELAY Pays if the scheduled public conveyance is delayed for more than 6 consecutive hours Up to 1,500 Up to 200 Up to 2,400 (200 every 6 consecutive hours of delay)

2 (h) (i) (j) MISSED FLIGHT CONNECTION Pays if you miss the onward connecting scheduled flight at transfer point and no alternative transportation is made available to you within 6 hours TRAVEL REROUTE Delay exceeding 6 consecutive hours from scheduled arrival time caused by rerouting of the Scheduled AirAsia flight, as a result of strike/industrial action, adverse weather conditions, mechanical breakdown or life-threatening medical reason. HIJACK DISTRESS ALLOWANCE When Your flight is hijacked and Your Trip is interrupted for more than 6 consecutive hours Up to 600 (300 every 6 consecutive hours of delay) Up to 450 (150 every 6 consecutive hours of delay) Up to 1,000 (500 every 6 consecutive hours of detention) 3 MEDICAL AND EVACUATION EXPENSES (a) (i) MEDICAL EXPENSES REIMBURSEMENT DUE TO ACCIDENT Reimbursement of medical, hospital and treatment expenses (including the cost of emergency dental treatment) (ii) MEDICAL EXPENSES REIMBURSEMENT DUE TO SICKNESS Reimbursement of medical, hospital and treatment expenses Up to 100,000 (age 18 to 65) Up to 50,000 (ae 66 to 75) (excess 200 for mountain sickness claim) (excess 50 for others) (b) EMERGENCY MEDICAL EVACUATION (ACCIDENT & SICKNESS) i) EMERGENCY MEDICAL EVACUATION Emergency transportation and medical care to the nearest medical facility ii) EMERGENCY MEDICAL REPATRIATION If the Insured is hospitalised abroad and is medically necessary to return to Malaysia to continue treatment, we will pay for reasonable transportation cost of one qualified medical attendant. Up to 300,000 iii) MORTAL REMAINS REPATRIATION Pays for the cost of return of mortal remains to Malaysia including the cost of burial, embalming, casket and ceremonies if it is mandated by legislation.

3 (c) COMPASSIONATE VISIT DUE TO HOSPITALISATION OF INSURED PERSON Pays for reasonable air fare and hotel accommodation for an immediate family member to accompany Insured for Up to 5,000 (d) (e) COMPASSIONATE VISIT DUE TO INSURED PERSON'S DEATH If the Insured dies overseas, pays for reimbursement for one person's accommodation, communication, travel and meals to assist on the return and burial or cremation HOSPITAL ALLOWANCE (UP TO MAXIMUM OF 30 FULL DAYS) Pays for each complete day if you are confined in the hospital for more than 24 hours Up to 5,000 Up to 4,500 (150 per full day) 4 PERSONAL LIABILITY Indemnifies you for legal liability arising from accidental bodily injury or accidental property damage to third party Up to 250,000 5 HOME CARE BENEFITS THEFT OF PROPERTY DURING TRIP Pays for physical loss or damage to your home contents in Malaysia as a result of theft while you are travelling. 6 TRAVEL ASSISTANCE SERVICES 24/7 TRAVEL ASSISTANCE Enquire on visa requirement, medical advice, vaccination requirements that may be needed prior to your travel Up to 2,000 INCLUDED

4 SCHEDULE OF BENEFITS: DOMESTIC TRAVEL Summary of benefits 1 ACCIDENT BENEFIT Accidental Death or Total Permanent Disability Insured Person (s) Domestic Sum Insured (MYR) Individual Plan Up to 100,000 (Age 18 to 65) Up to 50,000 (Age 66 to 75) 2 TRAVEL INCONVENIENCES (a) TRIP CANCELLATION Reimbursement for loss of irrecoverable deposits or charges paid in advance Up to 3,000 (b) (c) TRIP CURTAILMENT Reimbursement for unused and non-refundable expenses BAGGAGE & PERSONAL EFFECTS (i) LOSS / DAMAGE TO BAGGAGE & PERSONAL EFFECTS Pays for theft or damage to the baggage including items worn or carried Max limit per item is MYR 500 Max limit for laptop MYR 1,000 Up to 3,000 Up to 1,000 (Excess 50 per insured) (ii) BAGGAGE DELAY Pays if your checked -in luggage is delayed, or misplaced by airline upon arrival at your destination abroad Up to 400 (200 every 6 consecutive hours of delay) (d) (e) (f) (g) LOSS OF PERSONAL MONEY Pays for loss of money due to Theft LOSS OF TRAVEL DOCUMENT Pays for reasonable and necessary expenses incurred for replacement of passport / visa, communication and accommodation AIRASIA ON TIME GUARANTEE Delay more than 2 consecutive hours from scheduled departure time (Applicable for AirAsia s flight only) TRAVEL DELAY Pays if the scheduled public conveyance is delayed for more than 6 consecutive hours Up to 150 Up to 200 Up to 2,400 (200 every 6 consecutive hours of delay)

5 (h) (i) (j) MISSED FLIGHT CONNECTION Pays if you miss the onward connecting schedule flight at transfer point and no alternative transportation is made available to you within 6 hours TRAVEL REROUTE Delay exceeding 6 consecutive hours from scheduled arrival time caused by rerouting of the Scheduled AirAsia flight, as a result of strike/industrial action, adverse weather conditions, mechanical breakdown or life-threatening medical reason. HIJACK DISTRESS ALLOWANCE When Your flight is hijacked and Your Trip is interrupted for more than 6 consecutive hours Up to 400 (200 every 6 consecutive hours of delay) Up to 450 (150 every 6 consecutive hours of delay) Up to 1,000 (500 every 6 consecutive hours of detention) 3 MEDICAL AND EVACUATION EXPENSES (a) (i) MEDICAL EXPENSES REIMBURSEMENT DUE TO ACCIDENT Reimbursement of medical, hospital and treatment expenses (including the cost of emergency dental treatment) Up to 15,000 (age 18 to 65) Up to 7,500 (age 66 to 75) (excess 200 for mountain sickness claim) (excess 50 for others) (ii) MEDICAL EXPENSES REIMBURSEMENT DUE TO SICKNESS Reimbursement of medical, hospital and treatment expenses Up to 500 (age 18 to 65) Up to 250 (age 66 to 75) (excess 200 for mountain sickness claim) (excess 50 for others) (b) EMERGENCY MEDICAL EVACUATION DUE TO ACCIDENT i) EMERGENCY MEDICAL EVACUATION Emergency transportation and medical care to the nearest medical facility ii) EMERGENCY MEDICAL REPATRIATION If the Insured is hospitalised abroad and is medically necessary to return to Malaysia to continue treatment, we will pay for reasonable transportation cost of one qualified medical attendant. Up to 75,000 iii) MORTAL REMAINS REPATRIATION Pays for the cost of transportation of mortal remains to Malaysia including the cost of burial, embalming, casket and ceremonies if it is mandated by legislation.

6 (c) (d) (e) COMPASSIONATE VISIT DUE TO HOSPITALISATION OF INSURED PERSON Pays for reasonable air fare and hotel accommodation for an immediate family member to accompany Insured during hospitalization for more than 5 days abroad. COMPASSIONATE VISIT DUE TO INSURED PERSON'S DEATH If the Insured dies overseas, reimbursement for one person s accommodation, communication, travel and meals to assist on the repatriation and burial or cremation HOSPITAL ALLOWANCE (UP TO MAXIMUM OF 30 FULL DAYS) Pays for each complete day if you are confined in the hospital for more than 24 hours Up to 1,000 Up to 1,000 Up to 900 (30 per full day) 4 PERSONAL LIABILITY Indemnifies you for legal liability arising from accidental bodily injury or accidental property damage to third party Up to 25,000 5 HOME CARE BENEFITS THEFT OF PROPERTY DURING TRIP Pays for physical loss or damage to your home contents in Malaysia as a result of theft while you are travelling. 6 TRAVEL ASSISTANCE SERVICES 24/7 TRAVEL ASSISTANCE Enquire on visa requirement, medical advice, vaccination requirements that may be needed prior to your travel Up to 500 INCLUDED Ver

7 Tune Protect Travel - AirAsia (Annual Plan) Upon payment of the premiums and issuance of the Policy, We agree to provide insurance coverage to the Insured Person against loss covered as set out in this Policy subject always to the terms, conditions and exclusions contained in the Policy. Policy Definitions Accident Air Ticket refers to an event causing Bodily Injury due to violent, external and visible means. An electronic acknowledgement generated upon an internet purchase which is entitled Itinerary for Your journey issued by a licensed commercial aircraft. Such journey must originate from Malaysia. Civil War Child/Children Armed opposition between two or more parties belonging to the same country where the opposing parties are of different ethnic, religious or ideological groups. Unemployed and unmarried Child/Children aged between 30 Days and 21 years old (both ages inclusive). Annual Plan A Policy for multiple Trips over the period of insurance up to 60 consecutive days From the Time of departure to the date of return to Malaysia. Common Carrier Any land, water or air conveyance, operated under a license for the regular transportation of fare-paying passengers, over fixed scheduled routes during the Trip. AAN Bodily injury Certificate of Insurance AAN shall mean Asia Assistance Network (M) Sdn Bhd who is a third party administrator and assistance service provider who shall assist Us on the business and management of call centre services, including medical, nonmedical and emergency related services. Injury or death suffered by the Insured Person caused solely by Accident. refers to the electronic confirmation of this Policy Insurance Policy Country of Arrival Curtailment Domestic Cover Epidemic Scheduled destination reflected in Your Air Ticket. Curtailed return to Malaysia from the Trip. Travel within Malaysia. A sudden severe outbreak of disease that spreads rapidly and affects, within a very short period, an inordinately large number of people within a geographical region. For example, SARS / Swine Flu (H1N1) / Bird Flu.

8 Extreme Sports and activities Any activity that involves a high level of expertise, exceptional physical exertion, highly specialized gear or stunts and involves exposure to risk including but not limited to big wave surfing, canoeing down rapids, cliff jumping, horse jumping, ultra-marathons and stunt riding. Family Means your legal spouse and Child / Children insured under the same Policy. Immediate Family Member Insured Person/You /Your An Insured Person s:- (i) Legal Spouse; (ii) Children (biological and/or adopted); (iii) Children-In Law; (iv) Siblings; (v) Parents; (vi) Parents-In-Law; (vii) Grandparents; all of whom residing in Malaysia. Any person who is insured under this Policy. First Departure Date Means departure date from Malaysia as shown on the Insured Person s Air Ticket Loss of Limb Loss by physical severance of a hand at or above the wrist or of a foot at or above the ankle. Foreign War Means armed opposition. Loss of Sight Total and irrecoverable loss of sight. Hospital Home Home Contents Means a registered medical institution operated pursuant to law for the care treatment of sick or injured persons with organized or arranged facilities for medical treatment and having 24- Hour nursing facilities. This shall not include any institution for the aged, chronically ill or convalescent, resting or nursing homes. The usual place Insured Person(s) resides in Malaysia. Household furniture, fixtures, fittings and furnishings, clothing and personal items of the Insured Person or to his/her Family or domestic servants permanently residing with him/her excluding antiques, artefacts, paintings, objects of art or intrinsic value, manuscripts, financial securities of any kind, money, stamps, travel document, credit cards, bonds, coupons, negotiable instruments, title deeds, driving license and identity cards. Mountain Sickness Pandemic Period of Insurance Physician Policy A physiological change and pathological effect of high altitude on humans, caused by acute exposure to low partial pressure of oxygen at high altitude. An outbreak of infectious disease that spreads through human population across a large region or internationally. shall mean the duration of the policy as stated in the policy schedule or certificate of insurance. A properly qualified doctor or medical practitioner licensed by the medical authorities of the country in which treatment is provided and who is practicing within the scope of his/ her license and training. This contract, endorsement, schedules, Certificate of Insurance and/or any other documents that we may rely on for this Policy.

9 Pre-Existing Condition Property Irregularity Report Reasonable and Customary Charges Scheduled Time Serious Illness Sickness/ Illness Any Sickness, disease or other medical condition of the Insured Person or an Immediate Family Member which had arisen within 120 days prior to the effective date or issuance of the Policy. This includes any symptom that was present or known which worsened for which an ordinarily prudent person will seek diagnosis, care or treatment; or for an illness which the Insured Person is already under treatment or a treatment has been recommended by a Physician. A report produced by the Common Carrier and/or the airlines stating the cause and extent of loss. The usual expenses which is charged for medical/hospital treatment, supplies or services medically necessary to treat the Insured Person s condition Time provided on Air Ticket; or New departure Time which an airline operator had advised the Insured Person not less than 24 hours from the original scheduled Time of flight. Whenever applied to the Insured Person(s) it shall mean Sickness certified as being life threatening and requiring immediate treatment by a Physician and which results in the Insured Person(s) being certified by that Physician as unfit to travel or to continue with his/her original flight. Means any noticeable change in the physical health of an Insured Person that requires the care of a Physician acting within the scope of his/her license to treat the Sickness and the nature of the Illness is not excluded from this present policy. Theft Time Total Permanent Disability Trip Refers to permanent loss or damage of personal property or belongings by an unknown third party where: (i) there is physical evidence of a break-in of a premise where they are kept during the Trip, or they are taken without Your consent, whether forcibly or otherwise. Any reference to a Time or a date in the Policy context or in the context of a coverage period refers to Malaysian Time. Injury which, having lasted for a continuous period of twelve (12) calendar months from the date of Accident, entirely prevents the Insured Person from engaging in gainful employment of any and every kind and for which there is no hope of recovery. The journey commencing from the Time the Insured Person leaves his/her place of residence or business, for the direct travel journey to the intended destination which shall not exceed 24 hours prior to booked departure Time and cease on whichever occurs first: - a) The expiry of the period of insurance specified in the Certificate of Insurance b) The Insured Person s return to the place of residence or business (Whichever is earlier) in Malaysia c) Twenty-four (24) hours after arrival in Malaysia (Not applicable for travel within Malaysia).

10 Travel Companion We/Us/Our Worldwide Cover The Insured Person s sole travelling companion (Whom the Insured Person s entire Trip depends on). Tune Protect Malaysia (Tune Insurance Malaysia Berhad) Travel outside of Malaysia to: Asia Pacific Area 1: Australia, Bangladesh, Bhutan, Brunei, Cambodia, China Hong Kong, India, Indonesia, Japan, South Korea, Kazakhstan, Kyrgyzstan, Laos, Macau, Maldives, Myanmar, Mongolia, Nepal, New Zealand, Pakistan, Philippines, Sikkim, Singapore, Sri Lanka, Taiwan, Timor Leste, Thailand, Tibet, Uzbekistan, Vietnam Worldwide Area 2: Excluding USA, Canada, Afghanistan, Belarus, Cuba, Democratic Republic of Congo, Iraq, North Korea, Russian Federation (inc Crimea), Somalia, Sudan, Syria and Zimbabwe Worldwide Area 3: Excluding Afghanistan, Belarus, Cuba, Democratic Republic of Congo, Iraq, North Korea, Russian Federation (inc Crimea), Somalia, Sudan, Syria and Zimbabwe

11 POLICY BENEFITS SECTION 2 - TRAVEL INCONVENIENCE BENEFIT SECTION 1 - DEATH AND TOTAL PERMANENT DISABILITY YOU CAN CLAIM if: (i) An Accident happens to the Insured Person during the Trip, and (ii) The Insured Person suffers Bodily Injury resulting in death and/or Total Permanent Disability WE WILL PAY up to a maximum 100% for the following Events: (i) Accidental Death (ii) Total and irrecoverable loss of sight of an eye or both eyes (iii) Permanent loss of use of one or both limbs (iv) Total and irrecoverable loss of sight of one eye and loss of use of one limb (v) Total Permanent Disability, other than loss of sight or limb : Such death or Total Permanent Disability occurs within 180 calendar days immediately after the date of Accident. Exposure and Disappearance Extension following an Accident (i) Exposure Extension - Covers the Insured Person for any unavoidable exposure of death or Total Permanent Disability under this Policy (ii) Disappearance Extension - If the remains of the Insured Person has not been found within one (1) year from the time of an Accident, it will be presumed that the Insured Person is no longer alive and We will pay death benefit under this Policy. However, if subsequently after payment the Insured Person is found to be alive, the person to whom the death benefit is paid shall refund to Us such sum. SECTION 2 (a) TRIP CANCELLATION SECTION 2 (b) TRIP CURTAILMENT YOU CAN CLAIM for the costs of necessary and unavoidable cancellation of air-ticket, hotel, tours or car rental, arising from causes beyond control occurring to the Insured Person, their Immediate Family Members or Travel Companion within 14 days prior to original scheduled departure from Malaysia as stated in the Policy, or if the Insured Person is necessarily and unavoidably prevented from continuing the Trip and has to return to Malaysia, which is as a result of: - 1) a disability to the above persons resulting in: (i) death; (ii) Total Permanent Disability; or (iii) an admission as an in-patient in a Hospital where such admission is medically necessary; 2) a fire or natural disaster resulting in serious damage to the Insured Person s place of residence in Malaysia or destination of planned trip 3) any unexpected event, excluding strike, which: (i) leads to widespread violence; (ii) is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state; (iii) puts your life in danger; and/or (iv) following the advice and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media; 4) natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire occurring at destination of planned Trip. WE WILL PAY reasonable and necessary travel and accommodation expenses which have been paid in advance and/or not recoverable from any relevant parties.

12 : (i) the events should occur within 14 days prior to the original Scheduled Time of departure from Malaysia as stated in the Policy. (ii) such claims due to strike and natural disasters should be made against relevant parties prior to us making any payment under this benefit. Such claims must be submitted with proof of compensation received from these relevant parties or if such compensation is denied, proof of such denial. (iii) This Policy will only pay for one claim made either under Section 2 (a) for Trip Cancellation or Section 2 (b) for Trip Curtailment as stated in the Schedule of Benefits. (iv) General Exclusions apply. WE DO NOT PAY: (a) For any loss caused by: i. criminal acts committed by the Insured Person; ii. war, riot, popular movements, terrorist acts; iii. Pre-existing Conditions; iv. any effect of a source of radioactivity; v. pollution; vi. Epidemics; vii. Pandemic; viii. bankruptcy; ix. climatic events such as lack of snow, etc.; x. for any loss, which is compensated by the airline operator (b) Claims arising directly or indirectly from, in respect of, or due to: (i) Government regulation or Act, delay or amendment of the booked Trip (excluding error, omission or default) by the provider of any service forming part of the booked Trip as well as the travel agent or tour operator through whom the Trip was booked. (ii) Bankruptcy, insolvency, liquidation or default of travel agencies or Common Carrier. (iii) Your business, financial or contractual obligation or those of your travelling companion. (iv) Your reluctance to travel or financial circumstances. A result of unlawful act or criminal proceedings of any person on whom the booked Trip depends other than attendance in a Court of Law is legally required. SECTION 2 (c) BAGGAGE & PERSONAL EFFECTS SECTION 2 (c) (i) LOSS / DAMAGE TO BAGGAGE & PERSONAL EFFECTS YOU CAN CLAIM for events due to: (i) a Theft or damage due to a Theft or an attempted Theft; (ii) loss or damage to the Insured Person s baggage, clothing and personal items, whether checked in or hand carried, caused by an airline operator or Common Carrier. WE WILL PAY at our sole discretion, whichever is the lesser in cash value, any one of the following options: (i) original cash value of the items less depreciation; or (ii) cost of replacement of a similar make and model; or (iii) cost of repair of the items, Note: Where any item consists of items in a set, We shall not be liable to pay more than the proportionate value of any part(s) which may be lost, without reference to any special value which such item may have as a part of such set. We may at our discretion elect to either repair or replace or restore any part or the set to its value before the loss or pay the difference between the cash value of the loss or damage of covered luggage and personal items before and after the loss. All jewellery, articles trimmed with or made mostly of fur, portable photographic, cinematographic, computer or telephone equipment, equipment for the recording of sound or pictures and its accessories, are only covered against Theft if such item or equipment are physically carried along personally by the Insured Person during the Trip, and not checked in. : (i) These items must travel together with the Insured Person during the Trip. (ii) General Exclusions apply. WE DO NOT PAY (a) For 1. Animals. 2. Automobiles and automobile equipment, trailers and caravans, boats and other means of transport equipment. 3. contraband or illegal goods. 4. documents, identity papers, credit and payment cards, transport tickets, cash, stocks and securities. 5. equipment for professional use. 6. eye glasses, contact lenses, hearing aids,

13 prosthetic limbs, artificial teeth or dental bridges. 7. toiletries, cosmetics of any kind. 8. accessories of any kind including fashion accessory. 9. films, tapes, cassettes, cartridges or discs, pen-drive, memory card and the like, handheld mobile telephones, pagers, portable computer equipment including personal digital assistant and its accessories. 10. Keys. 11. musical instruments, objects of art, antiques, collector s items, furniture, sculptures. 12. traditional herbs, perishables and consumables. 13. ski sets, bicycles, sailboards, golf clubs, tennis rackets and other sporting equipment. Note: Golf Clubs This exclusion is not applicable for Worldwide Travel Plan. CONDITION(S): (a) This Policy will only pay for one claim made either under Section 2 (c) (i) or Section 2 (c) (ii) above. (b) General Exclusions apply. WE DO NOT PAY for: 1. Baggage delay not immediately reported to the airline operator. 2. Confiscation or detention by customs, immigration and/or public authorities. 3. Your failure to obtain a written confirmation from the carriers or their handling agents on the actual date and Time of baggage delivery. SECTION 2 (d) LOSS OF PERSONAL MONEY SECTION 2 (e) LOSS OF TRAVEL DOCUMENT (b) Any loss or damage resulting from: - 1. fragile items including but not limited to cameras, musical instruments, radios and such similar property. 2. confiscation or requisition by order of any governing authority. 3. criminal acts. (c) 4. gradual deterioration or fair wear and tear. 5. insects or vermin. 6. inherent vice or damage. 7. mysterious disappearance. 8. transportation of contraband or illegal trade. 9. seizure whether for destruction under quarantine or custom regulation or not. Any loss of or damage to property which, at the Time of the happening of such loss or damage, is insured by or would, but for the existence of this Insurance, be insured by any other insurance policy or policies, or otherwise reimbursed/replaced by the airline operator. Section 2 (c) (ii) Baggage Delay YOU CAN CLAIM for every six (6) consecutive hours whereby Your checked-in baggage is delayed, misdirected or temporarily misplaced by the airline operator the Time of their arrival at the scheduled destination abroad till the Time the Insured Person received their baggage. WE WILL PAY RM 200 for every six (6) consecutive hours of delay up to the limit stated in the Schedule of Benefits. YOU CAN CLAIM for actual loss of cash, bank or currency notes, travelers cheques, postal or money orders under Section 2(d), or loss of travel document under Section 2(e) due to Theft during the Trip. WE WILL PAY the Insured Person up to the limit as specified in Section 2(d) for Loss of Personal Money in the Schedule of Benefits. WE WILL PAY and reimburse the Insured Person up to the limit stated in Section 2(e) for Loss of Travel Document in the Schedule of Benefits and shall reimburse the reasonable and necessary expenses for (i) replacement of such passport and/or visa; (ii) communication; (iii) meals and/or accommodation; and (iv) travel at the place of loss; of which are incurred for the purpose of obtaining replacement passports, travel tickets and other relevant travel documents. (i) The lost items are within the Insured Person s control or custody at all Times; and a) the loss must be due to Theft b) the items must not be left unattended; and c) such loss is reported to the police having jurisdiction at the place of loss immediately but in no case, be later than 24 hours after the incident. Any claim must be accompanied by written documentation from the Police. (ii) General Exclusions apply.

14 WE DO NOT PAY (i) for any loss of cash, bank or currency notes, travelers cheques, postal or money orders kept in the check-in luggage with a Common Carrier. (ii) for claims in respect of: a) Loss or damage arising from delay or confiscation or detention by Customs or other Officials. b) Loss or damage whilst in the custody of an airline or other carrier, unless reported immediately on discovery and in the case of airline a Property Irregularity Report is obtained. A claim must be made against the carriers and other relevant authorities. c) Loss not reported to the police within 24 hours and report not obtained at the place of loss. d) Loss or Theft of property left unattended in a Public Place or in an unattended vehicle or as a result of your failure to take due care and precautions for the safeguard and security of such property. (iii) Loss or damage to property otherwise reimbursed by a Common Carrier or a hotel. SECTION 2 (f) AIRASIA ON TIME GUARANTEE YOU CAN CLAIM RM200 only if Your Scheduled Flight is delayed for at least 2 consecutive hours from the original scheduled time printed in Your itinerary or any new departure time which AirAsia has advised You, not less than twentyfour (24) hours from the original scheduled time of flight departure on the flight itinerary. CONDITION The delay shall be calculated from the original scheduled time until the commencement of the first available alternative flight offered by AirAsia. WE DO NOT PAY For loss, directly or indirectly due to: - (a) any illegal or unlawful intentional act by You. (b) any breach of government regulation or any failure to avoid a claim under the Policy following the warning of any intended strike, riot or civil commotion through mass media. (c) Your failure to check in according to the itinerary. (d) Your failure to board the next available flight offered by AirAsia. (e) airport closure, airport curfew, strike, air traffic flow management restrictions or industrial action of other companies/carrier already in existence on the date of the Scheduled Flight. (f) any prohibition or regulations by any government authority. (g) You are not fit to travel or is travelling against the medical advice of a Physician. (h) any rescheduling or delay which You have been made aware of twenty-four (24) hours prior to the First Scheduled Departure Time in the travel itinerary. (i) any travel insurance purchased within four (4) hours from the First Scheduled Departure Time. SECTION 2 (g) TRAVEL DELAY YOU CAN CLAIM If the departure of the scheduled public conveyance in which the Insured Person has arranged to travel is delayed from the Time specified in the Common Carrier Ticket. WE WILL PAY RM200 for every six (6) consecutive hours of delay up to the limit stated in the Schedule of Benefits. (i) The delay must be verified in writing by the operator(s) of the Common Carrier or their handling agent(s) on the number of hours delayed. (ii) If the Insured Person is entitled to a refund of all or part of such expenses from another source, We will only be liable for the excess of the amount recoverable from such other source. (iii) General Exclusions Apply. WE DO NOT PAY We will not pay for claims arising directly or indirectly from, in respect of, or due to: 1. The Insured Person for failure to check in according to the Air Ticket or failure to obtain a written confirmation from the Common Carriers or their handling agents of the number of hours of delay 2. Strike, riot or industrial action 3. Late arrival of the Insured Person at the Carrier Terminal after check-in Time. SECTION 2 (h) MISSED FLIGHT CONNECTION YOU CAN CLAIM if the confirmed onward connecting scheduled Common Carrier is missed at the transfer point due to the late arrival of Your incoming confirmed connecting scheduled Common Carrier, and no alternative onward transportation is made available to You within six (6) hours of the actual arrival time of Your incoming Common Carrier. WE WILL PAY up to RM300 aggregate for Worldwide Travel and up to RM200 aggregate for Domestic Plan. (i) Missed Flight Connection details to be obtained

15 (ii) by You must be verified in writing by the operator(s) of the Common Carrier or their handling agent(s). General Exclusions Apply. SECTION (i) TRAVEL REROUTE WE WILL PAY RM150 only for every 6 consecutive hours of delay thereafter up to the maximum limit in the Summary of Benefits. 1. If Your original scheduled time of arrival is delayed for at least 6 consecutive hours due to rerouting of the Scheduled Flight, due to strike/industrial action, adverse weather conditions, mechanical breakdown or lifethreatening medical reason. 2. The delay shall be calculated from the original scheduled arrival time of the Scheduled Flight until the actual arrival time offered by Airline. 3. A letter from Airline or its handling agents confirming the duration and reason of such delay. WE DO NOT PAY for any loss due to:- (a) delay in arrival at the destination because of delay in departure of the Scheduled Flight. (b) Your failure to board the next available flight offered by Airline. (c) Your failure to obtain written confirmation from Airline or its handling agents of the number of hours delayed and the reason for such delay. (d) strike or industrial action of other companies/carrier already in existence on the date the Flight is arranged. Cover shall be extended at Our discretion for up to thirty (30) days from the expiry of the period of insurance for a Trip without payment of any additional premium if the Insured Person is hospitalized and/or quarantined overseas as recommended by a Physician or any other circumstances beyond the Insured Person s control, which is deemed reasonable by Us, prohibiting the Insured Person from returning to Malaysia prior to the expiry of the period of insurance. This extension of cover, if granted by Us, shall be applicable to Section 2-Travel Inconvenience as per Schedule of Benefits. SECTION 3 MEDICAL AND EVACUATION EXPENSES SECTION 3 (a) (i) MEDICAL EXPENSES REIMBURSEMENT DUE TO ACCIDENT SECTION 3 (a) (ii) MEDICAL EXPENSES REIMBURSEMENT DUE TO SICKNESS YOU CAN CLAIM for (i) Domestic Cover - Medical, Hospital and treatment expenses (including cost of emergency dental treatment for the alleviation of sudden pain but excluding replacement of dentures and crowns). (ii) Worldwide Travel - Medical, Hospital and treatment expenses (including cost of emergency dental treatment for the alleviation of sudden pain but excluding replacement of dentures and crowns). SECTION 2 (j) HIJACK DISTRESS ALLOWANCE (iii) Follow Up Treatment in Malaysia WE WILL PAY RM500 for every six 6 consecutive hours of delay thereafter, up to the maximum limit in the Summary of Benefits. 1. If Your flight is hijacked during your Trip and You are detained for more than six (6) consecutive hours. 2. Provide Us with a police report or a report issued by the carrier confirming that You were a victim of Hijack and the duration of such Hijack. EXTENSION OF COVER FOR SECTION 2 WE WILL PAY the Insured Person subject to an excess up to the maximum limit that is stipulated in accordance to the Schedule of Benefits. (i) The limits indicated in the Schedule of Benefits is inclusive of charges for services provided by AAN. (ii) Claims necessarily incurred giving rise to a claim as a direct result of Accident or Illness sustained by the Insured Person. (iii) Follow Up Treatment in Malaysia - The maximum sum payable for medical expenses for follow-up treatment incurred in Malaysia

16 must be within 30 days from the expiry date and not exceeding 10% of the limit as specified under Section 3(a) Medical Expenses Reimbursement in the Schedule of Benefits. The amount is a sub-limit of the aggregate total payable under the Schedule of Benefits for Medical Expenses Reimbursement. (iv) The claim must be accompanied with an official payment receipt. (v) General Exclusions Apply (vi) **Special Conditions apply SECTION 3 (b) EMERGENCY MEDICAL EVACUATION AND REPATRIATION SECTION 3 (b) (i) EMERGENCY MEDICAL EVACUATION YOU CAN CLAIM if an Insured Person requires evacuation in a medical emergency due to an Accident or Sickness* occurring during the Trip. WE WILL PAY AAN to organize for an emergency medical transport to the nearest medical facility that is adequately equipped to treat the Insured Person s medical condition. (i) The type of transportation will depend on the availability and the severity of the Insured Person s condition. (ii) *applies for Worldwide Cover only (iii) This Policy will only pay for one claim from Section 3 (b) (i) - Emergency Medical Evacuation, Section 3 (b) (ii) Emergency Medical Repatriation or Section 3(b) (iii) - Mortal Remains Repatriation at any one event. (iv) General Exclusions Apply (v) **Special Conditions apply WE DO NOT PAY We will not pay for claims in respect of Emergency Medical Evacuation and Repatriation due to any form of Mountain Sickness. SECTION 3 (b) (ii) EMERGENCY MEDICAL REPATRIATION YOU CAN CLAIM in an event that the Insured Person is hospitalized abroad due to an Accident or Sickness* and it is medically necessary for him/her to return to Malaysia to continue treatment. WE WILL PAY the reasonable and necessary transportation costs including the reasonable transportation cost of one qualified medical attendant. (i) During emergency medical transportation, Asia Assistance Network (AAN) must be contacted immediately to approve all Emergency Medical Repatriations. (ii) We retain the right to decide whether emergency medical transportation is required or not. (iii) *applies for Worldwide Cover only (iv) This Policy will only pay for one claim from Section 3 (b) (i) - Emergency Medical Evacuation, Section 3 (b) (ii) Emergency Medical Repatriation or Section 3(b) (iii) - Mortal Remains Repatriation at any one event. (v) General Exclusions Apply (vi) **Special Conditions apply WE DO NOT PAY We will not pay for claims in respect of Emergency Medical Evacuation and Repatriation due to any form of Mountain Sickness. SECTION 3 (b) (iii) MORTAL REMAINS REPATRIATION YOU CAN CLAIM if the Insured Person dies due to an Accident or Sickness* during the Trip. WE WILL PAY Asia Assistance will organize the transportation of his/her mortal remains to his/her habitual residence in Malaysia subject to the maximum limit as specified for Emergency Medical Evacuation and Repatriation in the Schedule of Benefits. (i) The process of burial, embalming, basic casket is covered if it is mandated by legislation or regulation. Ceremonies and ritual rites are not covered in the repatriation coverage. (ii) *applies for Worldwide Cover only (iii) This Policy will only pay for one claim from Section 3 (b) (i) - Emergency Medical Evacuation, Section 3 (b) (ii) Emergency Medical Repatriation or Section 3(b) (iii) - Mortal Remains Repatriation at any one event. (iv) General Exclusions Apply (v) **Special Conditions apply WE DO NOT PAY We will not pay for claims in respect of Emergency Medical Evacuation and Repatriation due to any form of Mountain Sickness. SECTION 3 (c) COMPASSIONATE VISIT DUT TO HOSPITALISATION OF INSURED PERSON

17 YOU CAN CLAIM if the Insured Person is hospitalised overseas for more than 5 days as a result of Accident or Sickness* sustained whilst on the Trip and his/her medical condition forbids evacuation. WE WILL PAY for the reasonable travel fare (economy air travel or first class rail travel) and hotel accommodation expenses necessarily incurred by one relative or one friend to visit and stay with the Insured Person. i. Condition is as recommended by a Physician, up to the maximum limit as specified for Compassionate Visit in the Schedule of Benefits. ii. *applies for Worldwide Cover only iii. This Policy will only pay for any claim under Section 3 (c) or Section 3(d). iv. General Exclusions Apply v. **Special Conditions apply SECTION 3 (d) COMPASSIONATE VISIT DUE TO INSURED PERSON S DEATH YOU CAN CLAIM upon accidental death of the Insured Person while on an Overseas Trip. WE WILL PAY and reimburse the reasonable and necessary additional expenses incurred by 1 person for accommodation, communication, travel and meals. (i) This Policy will only pay for any claim under Section 3 (c) or Section 3(d). (ii) General Exclusions Apply (iii) **Special Conditions apply SECTION 3 (e) HOSPITAL ALLOWANCE (UP TO MAXIMUM OF 30 FULL DAYS) YOU CAN CLAIM if the Insured Person suffers from a Sickness / Illness while on an Overseas Trip which requires admission as an in-patient in a Hospital overseas and such admission is medically necessary. WE WILL PAY for every full day of admission at and up to the amount specified in Section 3 (e) of the Schedule of Benefits for Worldwide Cover. (i) Worldwide Cover (ii) General Exclusions Apply (iii) **Special Conditions apply **Special Conditions Applicable to Section 3 We are not liable to pay:- 1) costs for medical care except that prescribed by a licensed Physician or which is delivered by a recognized Hospital; 2) for any loss, which is directly or indirectly, in whole or in part, due to:- (i) (ii) (iii) Civil or Foreign War, whether declared or not; The effect of drugs, medication or treatment not prescribed by a Physician; The influence of alcohol characterized by a blood alcohol level of the Insured Person; (iv) Suicide, attempted suicide or intentionally self-inflicted injury; (v) The Insured Person s participation in a competition involving the use of motorized land, water or air vehicle; (vi) The Insured Person s participation in any professional sports, Extreme Sports and Activities; (vii) The Insured Person flying whether as a farepaying passenger or not, in or on an aircraft that does not belong to an airline company or which is not registered or licensed for the transportation of fare- paying passengers on regular and published scheduled routes; (viii) The Insured Person s active service in any of the armed forces of any nation; (ix) (x) The participation or involvement of the Insured Person in a criminal act; The Insured Person s practice or utilization, either as pilot or passenger, of a sailplane, hand glider, parasail, parachute, hot air balloon, and the like, or engaging in any aerial flight other than that as previously expressed. 3) We are not liable for expenses incurred due to: (i) Pre-Existing Conditions; (ii) Pregnancy and its consequences; (iii) mental or emotional disorder; (iv) sexually transmitted diseases, AIDS, HIV infections and AIDS related infections; (v) cosmetic surgery, apart from reconstructive surgery in consequence of a covered Accident; (vi) follow-up non-medical treatment of any kind resulting from an Accident or Sickness, psychoanalytical treatment, stays in rest homes, physiotherapy and detoxification; (vii) ophthalmologic care, eye glasses, contact lenses, hearing aids, dental care and dentures, unless they are the direct consequence of an injury from a covered Accident, which makes usage medically necessar;

18 (viii) non-emergency medical check-ups; (ix) vaccinations and their complications. SECTION 4 PERSONAL LIABILITY COVER YOU CAN CLAIM for claims by a third party for (a) Accidental bodily injury to persons; and (b) Accidental damage to property, both of which happen during the Trip. WE WILL PAY and indemnify the Insured Person against his/her personal legal liability to a third party claimant for damages and any third party claimant s cost and expenses up to the maximum limit specified for Personal Liability in the Schedule of Benefits. a) The total aggregate limit of liability for all claims under this section in respect of such damages and/or costs and expenses incurred with Our written consent in the defence or settlement of any such claim shall not exceed the maximum limit specified for Personal Liability in the Schedule of Benefit. b) Upon the happening of any event which may give rise to a claim under this Section, the Insured Person shall within Thirty (30) days therefrom give Us written notice with full particulars. Every letter, claim, writ of summons or process in respect of such claim shall be forthwith forwarded to Us upon receipt of the same by the Insured Person. No admission offer promise payment or indemnity shall be made or given by or on behalf of the Insured Person without Our written consent which shall be entitled to take over and conduct in the name of the Insured Person the defence or settlement of any claim or to prosecute in the name of the Insured Person for its own benefit, any claim and shall have full discretion in the conduct of any proceedings and in the settlement of any claim. The Insured Person shall give all such assistance as We may require. c) General Exclusions Apply WE DO NOT PAY We shall not be liable for any liability in respect of the following: - 1) deliberately caused by the Insured Person; 2) any non-pecuniary loss; 3) Accidental loss or damage to property belonging to or held in trust or in the care, custody or control of the Insured Person or any of his employees or any member of his Family or household; 4) arising out of an agreement unless liability would have arisen in the absence of such agreement; 5) death or accidental bodily injury to or Sickness of any person who is under a contract of employment, service or apprenticeship with the Insured Person when such death, injury or Sickness arises out of and in the course of their employment with the Insured Person; 6) arising out of the use, ownership or possession of firearms, aircraft, watercraft, hovercraft, mechanically propelled vehicles, lifts, animals of a dangerous species or livestock of any kind; 7) damage caused by or to buildings or parts of building owned, rented or occupied by the Insured Person; 8) any claim arising from an Insured Person being insane or under intoxication (other than drugs prescribed by a licensed Physician). 9) the Insured Person s participation in any act of civil or Foreign War, sabotage, riots, public demonstrations, strikes and lockouts 10) Liability attaching under an express term of a contract, unless liability would attach whether the express term existed or not; 11) Liability arising directly or indirectly by, through or in connection with any loss or damage to property due to act of animals belonging to be held in trust or in the Custody or control of the Insured Person or your Immediate Family Member or household; 12) Liability arising directly or indirectly by, through or in connection with: a) the ownership, possession or occupation of land or buildings, immobile property or caravans other than occupying on a temporary basis; b) the carrying on of any trade, business or profession; and c) any racing or rallying activities; 13) any claim involving any of the Insured Person s Immediate Family Members 14) judgement(s) that is or are not in the first instance delivered by or obtained from a court of competent jurisdiction within Malaysia; 15) sexual molestation, physical or mental abuse; 16) golfing either in the course of play or practice; 17) any punitive, aggravated or exemplary damages awarded by any court; 18) liability for which payment should be more specifically claimed under any other Contract of insurance under the name of the Insured Person. SECTION 5 HOME CARE BENEFIT YOU CAN CLAIM against physical loss or damage to your Home Contents at permanent residence in Malaysia that was left vacant because of the Trip,

19 caused by Theft during the period of insurance, but only after the Trip commences. WE WILL at our option reinstate, repair or indemnify the Insured Person up to the amount stated in the Schedule of Benefits. For loss or damage to any property insured forming part of a pair or set, Our liability shall not exceed a proportionate part of the value on the pair or set. (i) We shall not be liable for more than RM500 in respect of any one article or pair or set of articles. (ii) General Exclusions Apply. WE DO NOT PAY We will not pay for claims arising directly or indirectly from, in respect of, or due to: (i) Any loss or damage occasioned through the Insured Person s willful act. (ii) Losses recoverable from any other insurance taken up by the Insured Person to cover his/her Home Contents. SECTION 6 WORLDWIDE TRAVEL ASSISTANCE SERVICES The Insured Person may call AAN in Malaysia to request for the services below. SERVICES a) Medical Referral and arrangement of medical appointments Upon request, AAN shall provide the name, address and telephone number of AAN doctor, Hospitals, dentists, and dental clinics. AAN will attempt upon request to confirm the availability of the applicable medical or dental professional to make an appointment for treatment. Any third party cost incurred shall be borne by the Insured Person. b) Visa, Passport & Inoculation Requirements Upon request, AAN will provide the Insured Person information concerning Visa, inoculation, passport or immunization requirement. c) Currency Exchange & Flights Informations Upon request, AAN will provide the Insured Person information concerning foreign exchange rates of major currencies, flight information on the arrival and departure by destination, Time and flight number. The information will only be available for the present day, the day before and the date after The Insured Person s enquiry. Services described herein are available 24 hours a day, 365 days to the Insured Person travelling anywhere within the Country of Arrival. General Exclusions Applicable to the Policy We do not cover:- 1) any illegal or unlawful intentional act by the Insured Person; 2) death or injury directly or indirectly occasioned by war, invasion, act of foreign enemy, hostilities or warlike operation (whether war be declared or not), riot, Civil War, rebellion, revolution, insurrection, conspiracy, military or usurped power, martial law or stage of siege, any of the events or causes which determine the proclamation or maintenance of martial law or state of siege, seizure, quarantine or customs regulations or nationalization by or under the order of any government or public or local authority; 3) delay, seizure, confiscation, destruction, requisition, retention or detention by customs or any other government or public authority or official; 4) any violation or attempt of violation of laws or resistance to arrest by appropriate authority; 5) the Insured Person which is below the age of 30 days or over the age of 75 (calculated since last birthday as at the date of insurance purchased); 6) members of the armed forces whilst on duty or whilst engaging in or taking part in naval, military or air force service or operations or participating in operations of an offensive nature planned or conducted by any civil or military authorities against bandits, terrorists or other elements ; 7) during air travel except as a fare paying passenger in any properly licensed private and/or commercial aircraft ;

20 8) any serious physical injury or disability resulting directly or indirectly from, attributed to or accelerated by the use, release, or escape of nuclear of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; or the dispersal or application of pathogenic or poisonous biological or chemical materials; or the release of pathogenic or poisonous biological or chemical materials. For purposes of this exclusion, serious physical injury means physical injury that involves a substantial risk of death and/or protracted and obvious physical disfiguration, and/or protracted loss of or impairment of the function of a bodily member or an organ; 9) any Pre-Existing Condition; 10) suicide, attempted suicide or any intentional self-inflicted injuries acted upon by the Insured Person to him/herself whether sane or insane; 11) treatment of alcoholism or drug abuse or any other complications arising therefrom or any drug related Accident; 12) pregnancy, miscarriage or Childbirth, or any treatment relating to birth control or treatment pertaining to infertility or any other complication arising therefrom; 13) psychosis, mental or nervous disorders or sleep disturbance disorders; 14) cosmetic or plastic surgery or any elective surgery; 15) any congenital defect which has manifested or was diagnosed before the policy commencement date; 16) any form of dental care or surgery unless necessitated by injury caused by the Accident covered under the Policy to sound and natural teeth ; 17) routine health check-ups, any medical investigation(s) not directly related to admission diagnosis, Illness or injury, or any related treatment; 18) Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by any Human Immune Deficiency Virus (HIV) (for the purpose of this Policy, the definition of AIDS shall be that used by the World Health Organisation; infection shall be deemed to have occurred where blood or other relevant test(s) indicate in Our opinion either the presence of any Human Immune Deficiency Virus (HIV) or Antibodies to such Virus); 19) any injury sustained while serving as a crew member of any aircraft except as a fare-paying passenger in any aircraft having a current and valid air worthiness certification issued by the appropriate authority of the country of its registry ; 20) driving or riding in any kind of race involving motorized vehicle; 21) late arrival of the Insured Person at the airport for the Scheduled Flight after the official check-in Time; 22) failure of the Insured Person to take reasonable measure to protect, save or recover lost luggage; 23) failure of the Insured Person to notify the relevant airline authorities of missing luggage at the scheduled destination point and to obtain a property irregularity report; 24) any loss, injury, damage or legal liability arising directly or indirectly from travel in, to or through Tibet, Mongolia and Nepal; 25) engaging practicing or participating in sport in a professional capacity or when an Insured Person would or could earn income or remuneration from engaging in such sport; 26) Hospital admission which is not medically necessary, or medical recovery, custodial or rest care; 27) any loss, injury, damage or legal liability suffered or sustained directly or indirectly by an Insured Person if that Insured Person is :- a) a terrorist or member of a terrorist organisation; or b) dealer of nuclear, chemical or biological weapons; c) narcotics trafficker. 28) any loss resulting directly and indirectly (in whole or in part) from: (a) Pandemic (b) Epidemic

21 General Conditions Applicable to the Policy 1) Basis of Contract This Policy shall form the basis of understanding and agreement between You and Us. Therefore, observation and fulfilment of the terms and conditions by You shall be condition precedent to any liability for Us to make any payment under this Policy 2) Misrepresentation / Fraud The Policy shall be declared null and void and the benefits shall not be payable if: - a. there is failure to disclose or misrepresentation of any material fact with respect to the Insured Person that determines the existence and premium of the Policy and/or b. there is fraud. 3) Amendments We reserve our rights to amend the terms and conditions of this Policy which shall be binding on all persons whether insured under the Policy prior to, during, or after the effective date of the amendment. 4) Currency of Payment Payment of any claim covered under this Policy shall be made in Ringgit Malaysia or its equivalent in any other currency at the prevailing rate of exchange as declared by Bank Negara at the Time of effecting payment. 5) Ages All ages referred to in this Policy shall be the age of the Insured Person at his/her last birthday. 6) Country of Residence Coverage provided to You is subject to either their residence in Malaysia or for non-residents, to their travel through Malaysia or to their transit through a Malaysian Airport. 7) Notice and Procedures of Claims (a) When a claim is made, the Insured Person or the legal representative shall:- (i) (ii) notify Us in writing as soon as possible but not later than thirty (30) days after any event which may give rise to a claim by filling up the claim form as We have provided; any delay must be supported by justifiable reasons and the acceptance is at Our sole discretion furnish in writing to Us, at Your own cost, evidence and proof including but not limited to information, particulars, accounts, original receipt, invoices, Insured Person s statements, reports and any other documents as We require in such form as prescribed b) Failure to comply with this condition will render the claim not payable. 8) Claims Payable & Discharge Claim for loss of life in respect of the Insured Person is payable to the nominee(s) elected by the Insured Person and if there is no nominee, to the legal beneficiary as stipulated under the Probate or Letters of Administration, or for foreigners, any equivalent document in accordance with the Insured Person s country s laws. Claim for all other benefits will be paid to the Insured Person or his/her estate upon death. The process of claim including settlement shall be handled between the Insured Person or his/her nominee or his/her estate and Us as the case may be, whose sole discharge will constitute full and final discharge of the claim lodged. 9) Sanctions Clause We are not liable to make any payment under this Policy where the Insured Person or any beneficiary under the Policy is a citizen or agent of the government of any country against which any laws and/or regulations governing this Policy and/or Our parent company or Our ultimate controlling entity has established an embargo or other form of economic sanction which have the effect of prohibiting Us to provide insurance coverage or transacting business or offering economic benefits to the Insured Person or any other beneficiary. It is further understood and agreed that no benefits or payments will be made to any beneficiary who is declared unable to receive economic benefits under the laws and/or regulations of Malaysia. 10) Receipts We shall not be bound by any notice or any trust charge, a lien, assignment or other dealing with this Policy. The receipt by the Insured Person for any compensation payable herein discharge Us from all liabilities. 11) Arbitration Clause Any dispute which may arise between You and Us in

22 relation to this Policy or rights or liabilities of parties hereto shall be referred to the Kuala Lumpur Regional Centre for Arbitration (KLRCA) in accordance with the KLRCA Rules of Arbitration. 12) Limitation of Time If a claim is made under the Policy and rejected by Us, it is a condition precedent that the Insured or his/her legal personal representatives shall commence arbitration proceedings within six (6) months of such rejection, failing which, We shall be discharged from all liabilities whatsoever for that claim 13) Cancellation and Refund for Short Journey Policy a) We will refund in full the premium paid if You cancel the Journey due to unforeseen circumstances prior to the date of departure provided You will not make any claim for travel and cancellation charges. b) We will not refund any premium paid if You cancel the Journey due to unforeseen circumstances prior to the date of departure if We have agreed to pay claims for travel and cancellation charges. c) We will not refund any premium paid if You cancel the Policy due to reasons other than unforeseen circumstances prior to the date of departure. (d) Extension of Period of Insurance is not applicable to an Annual Policy. (e) We will not refund any premium paid if You cancel Your Policy after We have agreed to pay any claim under the Policy or if there has been an occurrence of any event for which a claim may arise under the Policy. (f) Your Annual policy will cease coverage when Your Personal Accident Benefits claim is completely paid up (100% of the sum insured stated on the Schedule of Benefits). (g) We will charge You a percentage of the premium in accordance with the scale below and refund the balance if You cancel the Policy after issuance of the Policy Period Not Exceeding Premium to Charge 1 month % of the Annual Premium 2 months % of the Annual Premium 3 months % of the Annual Premium 4 months % of the Annual Premium 5 months % of the Annual Premium 6 months % of the Annual Premium 7 months % of the Annual Premium 8 months % of the Annual Premium 9 months % of the Annual Premium 10 months % of the Annual Premium 11 months % of the Annual Premium 12 months % of the Annual Premium For the purpose of this Condition Unforeseen Circumstances refer to: a. Your death or the death of an Immediate Family Member; or b. Bodily Injury or Sickness that requires treatment by a Medical Practitioner which results in that Medical Practitioner certifying in writing that You or an Immediate Family Member is unfit to begin or continue the rney; or c. Unexpected outbreak or strike, riot or civil commotion arising out of circumstances beyond Your control. 14) Annual Policy (a) There is no insurance cover under this Policy in respect of Annual Cover for One Way Cover. (b) The maximum number of days of coverage per journey or trip is limited to sixty (60) days. (c) You can only purchase the Policy if you are a person aged between eighteen (18) to seventy-five (75) years. 15) Governing Law This Policy shall be governed by Malaysian law. 16) Language Prevails If there is any conflict or inconsistency between any of the contents of the document and the contents of a translated version of this document in any other language, the contents of this Policy in English shall prevail. 17) Other Insurance If at the Time of loss or damage, there is any other insurance covering the same loss, damage or liability, We will pay only a proportion of the claim and We will require details of such other insurance taken by You. 18) Duplication of Cover If an Insured Person is covered by more than one (1) policy by Us and/or our Affiliates, the claims will be paid by the policy which provides the greatest amount of benefit. Where the benefit under each

23 such policy is identical, We will only entertain the claim under the policy first issued. 19) Cash Before Cover It is condition precedent of this Policy that the premium due must be paid and received by Us before the commencement date. If this condition is not complied with, then this Policy is automatically deemed null and void. We reserve our rights to refuse any coverage and/or reject any claim resulting from non-payment of premium to Us. 20) Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Act 2001 (AMLATFPUAA) By virtue of AMLATFPUAA, any suspicious transaction as classified by the law is required to be reported to Bank Negara Malaysia. 21) Goods and Services Tax ( GST ) This premium payable for this Policy shall be subject to GST, at a prevailing rate that may be determined by the government from time to time.

24 Important Notice 1. Every effort will be made by Our Company to fulfil Our obligation under the Policy. If You are unhappy or dissatisfied with Our service or have any complaints, You may call or write to Us. TUNE PROTECT MALAYSIA (Tune Insurance Malaysia Berhad K) COMPLIANCE DEPARTMENT, Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, Kuala Lumpur, Malaysia. General line: If You are not satisfied with the response or the decision of Our company, You may submit Your complaint to either one (1) of the following: (a) Ombudsman for Financial Services (664393P) (Formerly known as Financial Mediation Bureau) Level 14, Main Block, Menara Takaful Malaysia No. 4, Jalan Sultan Sulaiman, Kuala Lumpur Tel: Fax: Website: OR (b) Laman Informasi Nasihat dan Khidmat (LINK) Bank Negara Malaysia Ground Floor Block C Jalan Dato Onn Kuala Lumpur Tel: Fax: bnmtelelink@bnm.gov.my