The AIG travel insurance Policy has been amended to address

The AIG travel insurance Policy has been amended to address certain situations pertaining to COVID-19. This means that for some benefits, cover

is expanded to include losses occurring after COVID-19 was a known event and could reasonably have been expected to lead to a claim (which

otherwise could have been excluded as set out in the General Exclusions section of Your Policy). This Endorsement addresses what You are and

what You are not covered for as it pertains to COVID-19.

Please note:

1. This Endorsement will attach to and form part of Your Policy if You purchased Superior or Premier Plan. This COVID-19 coverage is not

available for Primary & Essential Plan and Domestic Plan.

2. This Endorsement is subject to all the provisions, limitations and exclusions of the Policy except as they are specifically modified by this

Endorsement. If any provision, limitation or exclusion in the Policy is inconsistent with this Endorsement, the terms of this Endorsement shall

prevail. Please note in particular the “GENERAL CONDITIONS” and “GENERAL EXCLUSIONS” sections of the Policy.

3. All terms defined and references construed in the Policy shall have the same meaning and construction in this Endorsement. Terms shown in

bold in this Endorsement have defined meanings given to them in the GENERAL DEFINITIONS section of this Endorsement or the Policy.

GENERAL DEFINITIONS

Quarantine means a restriction on movement or travel placed by a medical or governmental authority, in order to stop the spread of a communicable

disease.

COVID-19 COVER

The Policy will cover and We will pay up to the amount shown in the table below (or where applicable, in the schedule of benefits in Your Policy)

for claims relating directly to COVID-19, subject to the exclusions listed below and the terms and exclusions of Your Policy.

BENEFIT

COVERED CONDITIONS AND EXCLUSIONS

Medical Expenses

(incurred Overseas) &

Emergency Medical

Evacuation & Emergency

Medical Repatriation

You

are diagnosed with COVID-19 whilst

Overseas

will pay for the necessary and reasonable medical

costs incurred as a result of

You

contracting COVID-19 during

Your

Trip

Included within the Medical Expenses Incurred Overseas benefit, if

You

contract COVID-19 during

Your

Trip

will cover the cost of emergency evacuation if deemed medically necessary.

This benefit includes the cost of returning

Your

body or

Your

ashes to Malaysia

up to the limit

stated in the

Policy.

The most

will pay for medical and / or emergency evacuation expenses is specified in the table below:

PLAN

Primary & Essential

Plan

Superior Plan

Premier Plan

Domestic Plan

Medical Expenses Incurred

Overseas

RM600,000

RM800,000

Emergency Medical

Evacuation & Emergency

Medical Repatriation

will not cover any loss if

You

are travelling against a medical practitioner’s or doctor's advice, or any claim

arising from

You

acting in a way that goes against the advice of a medical practitioner or doctor (including, but

not limited to, travelling with COVID-19 symptoms).

In all cases, You or someone on Your behalf must contact Our assistance department immediately.

Overseas Daily

Hospitalisation Income

The Overseas Daily Hospitalisation Income stated in the

Policy

is not payable

for any

hospitalisation

during

Your

Trip

which results from COVID-19.

For details of Medical Expenses (incurred Overseas) for COVID-19, please see above.

Travel Cancellation and

Travel Postponement

will pay up to the amount shown in the

Schedule of Benefits

Your Policy

if the cancellation or

postponement of

Your

Trip

, for which

You

have paid under a contract and which is not refundable, is necessary

and unavoidable as a result of

You

Your Immediate Family Members

being diagnosed with COVID-19 prior

to the scheduled

Trip

departure date.

We will not cover any Trip cancellation or Trip postponement solely due to epidemic- or pandemic-related travel

advisories issued by governments, health authorities or the World Health Organisation, by or for destination

country or origin country.

We will not cover any Trip cancellation or Trip postponement resulting solely from border closures, Quarantine

or other government orders, advisories, regulations or directives.

will not cover

Trip

cancellation or

Trip

postponement if

You

cancel

Your

Trip because of disinclination to

travel, change of mind or fear of travelling.

will not cover

Trip

cancellation or

Trip

postponement if an airline, hotel, travel agent or any other provider of

travel and/or accommodation has offered a voucher or credit or re-booking of the

Trip

for cancellation refund or

compensation.

will not cover any loss if

You

are travelling against a medical practitioner’s or doctor's advice, or any claim

arising from

You

acting in a way that goes against the advice of a medical practitioner or doctor (including, but

not limited to, travelling with COVID-19 symptoms).

BENEFIT

COVERED CONDITIONS AND EXCLUSIONS

Travel Interruption

We will not cover Trip Interruption due to epidemic/pandemic related travel advisories issued by governments,

health authorities or the World Health Organisation, by or for destination country or origin country.

We will not cover Trip Interruption resulting from border closures, Quarantine or other government orders,

advisories, regulations or directives.

We will not cover Trip Interruption for any costs incurred for Quarantine after You return to Malaysia.

We will not cover any loss if You are travelling against a medical practitioner’s or doctor's advice, or any claim

arising from You acting in a way that goes against the advice of a medical practitioner or doctor (including, but

not limited to, travelling with COVID-19 symptoms).

Travel Curtailment

We will pay up to the amount shown in the table below if the disruption of Your Trip is necessary and unavoidable

because You or Your Immediate Family Members are diagnosed with COVID-19 while travelling and need to

return to Malaysia earlier than planned. In that event, We will cover:

1. reasonable and necessary travel and accommodation expenses for which You have paid, and which are

not refundable.

2. reasonable and necessary additional travel costs to return back to Malaysia.

PLAN

Primary & Essential

Plan

Superior Plan

Premier Plan

Domestic Plan

Travel Curtailment

RM25,000

RM30,000

We will not cover Trip curtailment resulting solely from border closures, Quarantine or other government orders,

advisories, regulations or directives.

We will not cover any loss if You are travelling against a medical practitioner’s or doctor's advice, or any claim

arising from You acting in a way that goes against the advice of a medical practitioner or doctor (including, but

not limited to, travelling with COVID-19 symptoms).

Travel Delay

will not pay for any travel delay under this section.

Out-of-country COVID-19

Diagnosis Quarantine

Allowance (New Benefit)

will pay up to RM500 per day as specified in the table below according to

Your

selected plan, per person for

up to 14 consecutive days, if during

Your Trip

You

test positive for COVID-19, and as a result are unexpectedly

placed into mandatory

Quarantine

outside Malaysia.

Quarantine Allowance

Primary & Essential

Plan

Superior Plan

Premier Plan

Domestic Plan

Allowance per day

RM300

RM500

will pay the amount specified above to cover reasonable and necessary accommodation costs, meals or other

expenses directly related to

Quarantine

This benefit will not apply where Quarantine measures are mandatory for all arriving passengers or Quarantine

mandates exist for all passengers from a particular country/region of origin.

will not cover any loss if

You

are travelling against a medical practitioner’s or doctor's advice, or any claim

arising from

You

acting in a way that goes against the advice of a medical practitioner or doctor (including, but

not limited to, travelling with COVID-19 symptoms).

Any claim for Out-of-country COVID-19 Diagnosis Quarantine Allowance shall be offset against any amount

have paid or are liable to pay under Travel Cancellation, Travel Postponement, Travel Curtailment and/or Travel

Interruption in respect of the same event.

ASSISTANCE SERVICES

Please note: Expenses incurred from third-party vendors as well as AIG

administrative case fees for assistance services not covered as part of this

insurance plan are the responsibility of the Policyholder (see policy

fulfillment for assistance contact details).

Denied boarding due to fever or other medical concern

An AIG staff member will be available to discuss next steps and options. If

necessary,

will provide assistance with making a medical appointment,

booking hotel accommodation and/or return flight to Malaysia when

You

are

medically cleared to fly. For contact details, please refer to

Your

Policy

Denied entry to country due to fever or other medical

concern

We will provide assistance with making a medical appointment, booking hotel

accommodation and/or a return flight to Malaysia when You are medically

cleared to fly. For contact details, please refer to Your Policy.

Feel ill while traveling internationally

(To access

benefits,

You

must contact

Our

assistance department

immediately)

An AIG staff member will be available to discuss

Your

options.

will provide

assistance with making a medical appointment, booking hotel accommodation

and/or return flight to Malaysia when

You

are medically cleared to fly. For contact

details, please refer to

Your

Policy

TRAVEL GUARD

TRAVEL INSURANCE POLICY

Presented by:

AIG Malaysia Insurance Berhad (795492-W)

Menara Worldwide,

198, Jalan Bukit Bintang,

55100 Kuala Lumpur.

Customer Service:

1800 88 8811

Bring

tomorrow

Welcome to AIG Malaysia Insurance Berhad Travel Guard travel insurance.

In choosing AIG for Your travel insurance, You travel under the protection of a worldwide

organisation. You will also receive 24 hour 365 day access to the services of AIG Travel

Assist Malaysia Sdn Bhd.

You can travel with the comfort of knowing that You are insured by an experienced

world leader in travel insurance and provider of emergency travel and medical

assistance services. The AIG experience spans decades and many millions of satisfied

travellers, but most importantly, when You travel with AIG, You travel with an

organisation that honours the commitment to deliver on the promise set out in this

Policy.

In this Policy, You will find preliminary information, cover definitions, exclusions, terms

and conditions that fully explain the cover provided by this Policy. Your Policy Period

and other important particulars including any special terms that are to apply are shown

on Your Policy Schedule or notices provided with Your policy wording. We

recommend that You read the policy document carefully to ensure that it meets with

Your travel needs and take it with You when travelling.

       
Contents 
PART 1 - Preliminary Information ............................................................................................................................. 3 
SCHEDULE OF BENEFITS ................................................................................................................................................ 5 
PART 2 – COVERAGE ...................................................................................................................................................... 10 
Before Your travel ............................................................................................................................................................ 10 
SECTION A – TRIP CANCELLATION (PRE-DEPARTURE) ......................................................................................... 10 
During Your travel ............................................................................................................................................................ 11 
SECTION B – MEDICAL AND ASSOCIATED EXPENSES .......................................................................................11 
SECTION C – REPATRIATION OF MORTAL REMAINS or FUNERAL EXPENSES ................................................14 
SECTION D –TRIP CURTAILMENT ................................................................................................................................ 14 
SECTION E1– TRIP INTERRUPTION .......................................................................................................................16 
SECTION E2 – TRAVEL MISSED CONNECTION ....................................................................................................17 
SECTION F1 – TRAVEL DELAY ..................................................................................................................................................... 17 
SECTION F2 – TRAVEL REROUTE ................................................................................................................................ 18 
SECTION G – BAGGAGE ................................................................................................................................................ 19 
SECTION H – PERSONAL ACCIDENT ........................................................................................................................... 21 
SECTION I – PERSONAL LIABILITY .............................................................................................................................. 23 
SECTION J – LOSS OF HOME CONTENTS .................................................................................................................. 23 
SECTION K – CAR RENTAL EXCESS CHARGES ...................................................................................................24 
SECTION L – TRAVEL DELAY UPGRADE .................................................................................................................... 25 
PART 3 – GENERAL DEFINITIONS, EXCLUSIONS AND CONDITIONS .................................................................26 
GENERAL DEFINITIONS ..........................................................................................................................................26 
GENERAL EXCLUSIONS ..........................................................................................................................................31 
POLICY CONDITIONS...............................................................................................................................................35 
Currency ...................................................................................................................................................................39 
After Your travel ................................................................................................................................................................ 39 
HOW TO MAKE A CLAIM ..........................................................................................................................................39

Malaysia Travel Guard

Version No: July 2021

Page 3 of 39

PART 1 – PRELIMINARY INFORMATION

This document contains Your travel insurance Policy terms and conditions. It is important that You read and understand it and

retain it in a safe place. This Policy is signed and issued in consideration of the acceptance and approval of the application by

the insurer and it shall take effect at the Policy Issue Date and Time as shown in the Policy Schedule subject to which also the

first premium has been fully received by the insurer. The Policy will end at the Policy Expiry Date as shown in the Policy

Schedule.

Cover commences and ends at different times depending on the benefit and the Plan You purchased.

This Policy has the following Plan options:

1. Overseas single-Trip insurance Plans covering one (1) Trip during the Policy Period not exceeding one hundred and eighty

(180) consecutive days.

2. domestic single-Trip insurance Plan covering one Trip during the Policy Period not exceeding thirty (30) consecutive days.

3. Overseas annual multi-Trip insurance Plans covering multiple Trips during the Policy Period. Each single trip under the

Policy shall not exceed ninety (90) consecutive days.

4. domestic annual multi-Trip insurance optional add-on Plan covering multiple Trips during the Policy Period. Each single

Trip under the Policy shall not exceed thirty (30) consecutive days.

You are covered for the Plans shown in the Policy Schedule.

All terms in this document in bold are defined terms and have special meaning. Please refer to General Definitions Section for

reference.

Eligibility Criteria

To be eligible for cover under this Policy:

(a) You must be either a Malaysian citizen, Malaysian permanent resident, or a holder of a valid work permit or employment

pass (of which Your place of employment must be in Malaysia during the Policy Period), dependent pass, student pass or

long-term social visit pass not including travelling visa (that is issued by the relevant governmental authority in Malaysia)

with full rights to enter into and return to Malaysia regardless of medical status;

(b) You must be returning to Your Home at the end of Your travel, or be intending to return Home on completion of Your travel;

and

One-way Trip: This Policy also covers a one-way Trip provided You have purchased the policy in Malaysia, and the original

point of departure is Malaysia. Transits at other countries are allowed provided You are confined to the transit area of the airports

in these countries. Cover provided under a one-way Trip policy is only limited to Sections A – Trip Cancellation, E2 – Travel

Missed Connection, F1 – Travel Delay, F2 – Travel Re- Route, G - Baggage, H – Personal Accident and I – Personal Liability of

this Policy.

Age Limitation

The minimum and maximum age for cover under this Policy is:

(a) Thirty (30) days up to eighty-five (85) years for single-Trip Plans; and

(b) Eighteen (18) years up to seventy (70) years for annual multi -Trip Plans.

Age is determined based on the age You will be on the Policy Expiry Date.

Existing Health Conditions

Existing Health Conditions are not covered under this Policy. Please refer to applicable definition and exclusion for further

information on what is not covered. This exclusion applies to each and every Trip even if an annual multi-Trip Plan has been

purchased.

Malaysia Travel Guard

Version No: July 2021

Page 4 of 39

The Insurer

This Policy is issued by:

AIG Malaysia Insurance Berhad Level 18, Menara Worldwide

198, Jalan Bukit Bintang 55100 Kuala Lumpur.

Important Contact Information

AIG Travel Assist Malaysia Sdn Bhd (ATAM)

(available 24 hours worldwide for emergency travel related calls)

Overseas : + 603 2772 5600

Malaysia : 03 2772 5600

AIG Travel Customer Service Centre

1800 88 88 11 (9.00am to 5.00pm week days, excluding public holidays) or email us at [email protected].

AIG Claims

1800 88 88 11 (9.00am till 5.00pm week days, excluding public holidays) or email us at [email protected].

If You require assistance or need to call about a Policy that We have issued to You please quote the policy number as shown

on Your Policy Schedule. Please also have close to hand any information that will assist the call operator in answering Your

question or request for assistance. This includes Your circumstances, current location and contact number.

ATAM Emergency Assistance

24 hour worldwide emergency assistance pre-trip and emergency assistance is provided by ATAM.

If You require medical treatment that necessitates admittance to Hospital as an in-patient, emergency transportation services or

to return Home for any reason covered by this Policy, You must contact ATAM and follow their advice or instruction. Failure to

do so may prejudice Your Claim under this Policy.

ATAM operates a network of service centres that will provide You with 24/7 access to appropriate medical facilities and emergency

transportation services. By choosing AIG, You have direct access to these vital services before and during Your Trip.

Depending on Your specific needs, We can:

1. Provide pre-trip advice and the local medical conditions at Your destination.

2. Help You in the event of lost baggage, travel documents or credit card by putting You in touch with the nearest consulate,

embassy or other authorities.

3. When medical care is needed, direct You to suitable medical facilities, monitor Your condition and treatment as well as

keeping Your family and friends at Home informed.

4. Decide if and when evacuation or repatriation is necessary and coordinate all services.

5. Provide help to reschedule travel plans when Your Trip is interrupted by an emergency.

We will try to get You medical attention when You travel but ATAM cannot guarantee that appropriate medical facilities will always

be available. ATAM is only provided to assess and monitor Your condition and cannot take over the running of Your medical

treatment. Please note that where Your Claim is not covered under the Policy, the provision of emergency assistance will not in

itself be an admission of liability of Your Claim.

To contact ATAM assistance services, phone from anywhere in the world on +603 2772 5600.

SCHEDULE OF BENEFITS

The Schedule of Benefits contains a brief summary of Your Policy cover.

The Plan limits that apply are the applicable limits for the Plan You selected for the insurance and shown on the Policy Schedule.

Not all sections or sub-sections or provisions for cover provided in this wording may apply to Your selected Plan. Sub-limits or

other restrictions may also apply. Please refer to the applicable Plan under the Schedule of Benefits and the relevant Policy

section for further details.

Malaysia Travel Guard

Version No: July 2021

Page 5 of 39

The sum insured values shown are the maximum amounts in Ringgit Malaysia (RM) that We will pay each Trip, including any

agreed extension period. Policy terms, conditions and sub-limits may apply.

Maximum Limits - Insured Person and family

1. If You have purchased insurance to cover one (1) person only, the maximum amount We will pay under the Policy is the

limit shown under the applicable Plan selected by You and shown on the Policy Schedule issued to You.

2. If You have purchased insurance to cover You, Your Spouse and dependent Children travelling together, then the

maximum amount We will pay under the Policy is as follows:

a. for each Insured Person, is the limit shown under the applicable Plan selected by You and shown on the Policy

Schedule issued to You.

b. in total for all Insured Persons, is 300% of the limit shown under the Schedule of Benefits for the Plan selected and

shown on the Policy Schedule issued to You except for Section H – Personal Accident which remains a per person

limit.

Age is determined based on the age You will be on the Policy Expiry Date.

Schedule of Benefits

Benefits

Sum Insured Up To (RM)

Primary

Essential

Superior

Premier

Domestic

Trip Cancellation

(Pre-departure)

5,000

20,000

25,000

30,000

1,000

Medical & Associated Expenses

Medical Expenses

150,000

300,000

600,000

10,000,000

20,000

(accident only)

Emergency Medical Related Expenses

(a) Emergency Medical Evacuation & Emergency

Medical Repatriation

150,000

Unlimited

20,000

(accident only)

(b) Compassionate Visit

3,000

9,000

12,000

15,000

9,000

12,000

15,000

(d) Daily Hospitalisation Income (RM250 per day)

5,000

15,000

20,000

30,000

Maximum number of days

120

(e) Emergency Telephone Charges and Internet

Use

150

300

500

Follow up Medical Treatment in Home Country – Malaysia

(a) In-patient Medical Expenses (Up to 30 days)

10,000

50,000

(b) Outpatient / Specialist Treatments or Services

Provided by a Medical Practitioner

Included in

B3(a)

Included in

B3(a)

Included in

B3(a)

Included in

B3(a)

Professionals

500

700

1,000

Overseas Dental Expenses

Included in

Repatriation of Mortal Remains

150,000

Unlimited

Trip Curtailment

5,000

20,000

25,000

30,000

Trip Interruption

1,000

1,500

2,000

3,000

Travel Missed Connection

(RM200 for every 6 consecutive hours)

200

600

800

1,200

Travel Delay

(RM150 for every 6 consecutive hours)

(a) Overseas

1,500

3,900

4,200

5,100

(b) Malaysia

300

450

900

300

Travel Re-Route

(RM200 for every 6 consecutive hours)

200

600

800

1,200

Malaysia Travel Guard

Version No: July 2021

Page 6 of 39

The Policy

This Policy is primarily designed and valid for conventional leisure and business travel. A range of benefits are available under

this Policy. However, there are some circumstances where cover cannot be provided.

These limits, exclusions and conditions are described in the policy wording. However, We draw Your attention to some important

points below:

1. This Policy does not cover any Existing Health Condition. This does not apply to Section C – Repatriation of Mortal Remains

or Funeral Expenses Overseas.

2. This Policy does not cover certain activities or travel, including but not limited to,

(a) Extreme Sports and Sporting Activities or competing in sporting competitions;

(b) Expeditions;

(d) missionary or humanitarian travel.

Ongoing Duty of Disclosure

You have a duty to take reasonable care not to make a misrepresentation when purchasing this Policy, to answer all questions

fully and accurately and to disclose any matter that You know to be relevant to Us in accepting the risks and determining the

rates and terms to be applied otherwise it may result in avoidance of this Policy, refusal or reduction of Claims, change of terms

or termination of this Policy. This duty of disclosure shall continue until the time this Policy is entered into, varied or renewed.

You also have a duty to tell Us immediately if at any time after this Policy has been entered into, varied or renewed with Us, any

of the information given when You purchased for this Policy is inaccurate or has changed.

Benefits

Sum Insured Up To (RM)

Primary

Essential

Superior

Premier

Domestic

Baggage

Loss of Personal Baggage Items

2,000

5,000

7,000

10,000

1,000

Item Limit:

(a) Any one item including smartphones

500

(b) Portable Computers including tablets

1,000

1,500

2,000

1,000

250

Baggage Delay

(RM200 for every 6 consecutive hours)

(a) Overseas

400

800

1,000

2,000

(b) Malaysia

200

800

200

Fraudulent Use of Credit Card

1,500

2,000

3,000

Loss of Travel Document

2,000

5,000

6,000

8,000

Loss of Personal Money

500

1,000

2,000

3,000

Personal Accident

Accidental Death & Permanent Disablement

(i) Age 30 days to 17 years

25,000

75,000

100,000

125,000

50,000

(ii) Age 18 years to 85 years

100,000

300,000

400,000

500,000

50,000

Personal Liability

500,000

1,000,000

500,000

Loss of Home Contents

1,000

2,000

3,000

5,000

Car Rental Excess Charges

2,000

3,000

5,000

Car Rental Vehicle Return Costs

Included in

24/7 Worldwide Travel Assistance

Included

Optional Add-on

Travel Delay Upgrade

(RM150 for every 3 consecutive hours)

Overseas

3,900

4,200

5,100

Malaysia Travel Guard

Version No: July 2021

Page 7 of 39

If You or a person to be covered under this Policy suffers a new medical or dental event or Your general state of health

deteriorates after You have purchased this Policy, but before Your departure for Your Trip, You must contact Us, otherwise the

consequences of Your change in health may not be covered under the Policy once Your Trip commences.

In this circumstance, We reserve the right to review the cover granted including withdrawing or amending cover previously

approved for the Trip. If We apply new cover restrictions and the new restrictions imposed by Us prevent You from undertaking

the planned Trip, then You will have the right to lodge a Claim under Policy Section A – Trip Cancellation (Pre- Departure).

Policy Period Extension

If on the last day of the Policy Period and provided You have purchased cover for Your return Trip (meaning Your departure

from Malaysia to Your return to Malaysia):

1. through circumstances outside Your control, including but not limited to You suffering a covered Injury or illness that

prevents You from travelling, unexpected Strike, industrial action, adverse weather conditions, mechanical breakdown,

equipment failure or structural defect of a Covered Transport, You have to extend Your Trip beyond the period stated in

the Policy Schedule, We will automatically extend the Policy Period without charge for a maximum period of ten (10)

consecutive days.

2. You are hospitalised or quarantined Overseas and the reason for such hospitalisation or quarantine is covered by this

Policy, and You are following the directions of the attending Medical Practitioner or in case of quarantine the relevant

government authority, We will automatically extend Your Policy Period without an additional premium charge for the earlier

of thirty (30) consecutive days from the date of expiry of the Policy or forty-eight (48) consecutive hours after the date of

discharge from Hospital or the place of quarantine, unless ATAM has approved an extension beyond the forty-eight (48)

consecutive hours for reasons such as availability of flight or fitness to fly, in which case You must take the first available

flight confirmed by ATAM.

It is a condition of this automatic extension cover that You must make every endeavour to return Home at the first available

opportunity.

If You have purchased one-way cover and Your arrival at Your first Overseas destination on Your outbound Covered Transport

from Malaysia is delayed beyond the Policy Expiry Date because of an unexpected Strike, industrial action, adverse weather

conditions, mechanical breakdown, equipment failure or structural defect of Your Covered Transport, We will automatically

extend the Policy Period for the earlier of three (3) consecutive days or Your arrival at Your first Overseas destination.

Covered Trip Period

For two-way or return Trip:

The cover under each Policy section will start and end as set out below.

1. Section A – Trip Cancellation (Pre-Departure), cover commences at the later of:

(a) Your Policy Issue Date and Time;

(b) the date and time You confirmed the booking for the Trip; or

and ends at the earlier of:

(a) Your Policy Expiry Date;

(b) for Overseas Plans, when You depart Malaysia to commence Your travel; or

travel.

2. Section E2 - Travel Missed Connection, Section F1 - Travel Delay, Section G1 – Loss of Personal Baggage items, Section

G2 – Baggage Delay and Section H - Personal Accident, cover commences at the later of:

(a) for domestic Plans, Your departure from Your Home or workplace in Malaysia, whichever occurs last, to commence

Your Trip;

(b) for Overseas Plans, the later of:

a. Your departure from Your Home or workplace in Malaysia, whichever occurs last, to commence Your Trip; or

b. twenty-four (24) hours prior to Your Scheduled Departure Time from Malaysia provided You are in direct transit

between Your Home and the Overseas departure point in Malaysia; or

and ends at the earlier of:

Malaysia Travel Guard

Version No: July 2021

Page 8 of 39

(a) Your Policy Expiry Date;

(b) the time You arrive at Your Home or workplace in Malaysia, whichever occurs first; or

in Malaysia solely for the purpose of direct transit to Your Home or workplace in Malaysia.

3. In respect of all other Policy sections, cover commences:

(a) for Overseas Plans when You depart from Malaysia; or

(b) for domestic Plans when You are more than 50 kilometres away from Your Home or workplace in Malaysia,

and ends at the earlier of:

(a) Your Policy Expiry Date;

(b) for Overseas Plans when You arrive in Malaysia; or

For annual multi-Trip Plans the following Trip duration limit also apply:

i. for domestic Trips thirty (30) consecutive days from Your Scheduled Departure Time, and

ii. for Overseas Trips ninety (90) consecutive days from Your Scheduled Departure Time for Overseas.

For one-way Trips:

The cover under each Policy section will start and end as set out below:

1. For Section A -Trip Cancellation (Pre-Departure), cover commences at the later of:

(a) Your Policy Issue Date and Time

(b) the date and time You confirmed the booking for the Trip; or

and ends at the earlier of:

(a) Your Policy Expiry Date; or

(b) when You arrive at the immigration check- point in Malaysia to commence Your travel.

2. For Sections E2 - Travel Missed Connection, Section F1 – Travel Delay, Section G1 – Loss of Personal Baggage items,

Section G2 – Baggage Delay and Section H - Personal Accident, cover commences at the later of:

(a) Your departure from Your Home or workplace in Malaysia, whichever occurs last, to commence Your Trip;

(b) twenty-four (24) hours prior to Your Scheduled Departure Time from Malaysia provided You are in direct transit

between Your Home and the Overseas departure point in Malaysia; or

and ends at the earlier of:

(a) Your Policy Expiry Date; or

(b) Your arrival at Your first Overseas destination (excluding transit countries where You are confined to the transit area

of the airport).

3. For Section G3 – Fraudulent Use of Credit Card, Section G4 – Loss of Travel Document, Section G5 – Loss of Personal

Money and I – Personal Liability, cover commences when You depart from Malaysia; and ends at the earlier of:

(a) Your Policy Expiry Date; or

(b) Your arrival at Your first Overseas destination (excluding transit countries where You are confined to the transit area

of the airport).

Product and Plan Selections

On Your Policy Schedule You will see Your selected Plan, Policy type and covered cluster applicable to this Policy.

1. Product

You may select:

1. Overseas single-Trip insurance Plan covering one (1) Trip during the Policy Period not exceeding one hundred and

eighty (180) consecutive days;

2. domestic single-Trip insurance Plan covering one (1) Trip during the Policy Period not exceeding thirty (30)

consecutive days;

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3. Overseas annual multi-Trip insurance Plan covering multiple Trips during the Policy Period. Each single Trip under

the Policy shall not exceed ninety (90) consecutive days; or

4. domestic annual multi-Trip insurance Plan covering multiple Trips during the Policy Period. Each single Trip under

the Policy shall not exceed thirty (30) consecutive days.

Different Plans have different level of benefits. These benefits are set out under the Schedule of Benefits section of the policy

wording.

2. Covered Cluster

When You are purchasing Your Policy You would have selected a covered cluster that includes Your intended travel

destinations. The covered cluster You selected will be listed in Your Policy Schedule.

Cluster

Destination

• China, Hong Kong, Indonesia, Japan, Macau, Singapore, South Korea, Taiwan,

Thailand and Vietnam;

• Excluding Mongolia (inner and outer)

• Brunei, Cambodia, India, Lao People’s Democratic Republic, Maldives, Myanmar,

New Zealand, Pakistan, Philippines and Sri Lanka;

• Including all countries in C1

• Australia, Mauritius, Mongolia (inner and outer), Nauru and Uzbekistan;

• Europe (excluding Montenegro and Serbia);

• Middle East (excluding Iraq, Palestine and Yemen)

• Including all countries in C1 and C2

• Worldwide (including Canada, Iraq, Nepal, Montenegro, Palestine, Serbia, Tibet,

United States of America and Yemen);

• Including all countries listed in all other clusters

Sanctioned Countries

• Crimea Region, Cuba, Iran, North Korea and Syria

Excluded Destination

• Antarctica

Domestic

• Malaysia, beyond 50 kilometres from Your place of residence or business

Important

• We are not able to provide any cover for any loss, injury, damage or legal liability arising directly or indirectly from planned

or actual travel in, to, or through Cuba, Iran, Syria, North Korea or the Crimea region under any of Our Plans.

• This insurance only covers You in the countries that are included in the covered cluster You selected.

a. If for example Your travel itinerary is Malaysia to Australia return and includes a stay in the USA You must purchase

Cluster 4 because USA is under Cluster 4. If You only purchased Cluster 3 We will not meet Your Claim that relates to

or arises in USA.

b. For the purpose of clarity, transit stops that do not necessitate entry into a country or require entry into a country only to

connect to another international flight within twelve (12) consecutive hours of arrival are not considered a destination

country for the purpose of choosing a covered cluster. You will be covered for events that occur in these countries even

though they may not be listed in the cluster description. The same applies for transport accidents that may occur while

travelling through or over these countries or emergency diversions to these countries.

3. Policy Types

On Your Policy Schedule, You will also be able to see Your selected Policy Type. The Policy Type shows which people are

insured. The possible Policy Types are individual or family cover. This is further explained below.

• Individual - If You selected Individual cover, the Policy covers You only.

• Family - If You selected family cover, the Policy covers You plus Your Spouse and Children named in the Policy

Schedule who travel with You for the entire Trip on the same itinerary.

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PART 2 – COVERAGE

Important information:

The coverage information under this Policy is divided into 3 parts:

• Before Your travel

• During Your travel

• After Your travel

Before Your travel

SECTION A – TRIP CANCELLATION (PRE-DEPARTURE)

1. Cancellation of Your Trip (pre-departure)

If it is necessary and unavoidable that You have to cancel Your Trip as a result of one (1) or more of the covered events

listed under the Section A3, We will pay up to the sum insured limit shown in the Schedule of Benefits for:

(i) Transportation and accommodation expenses which You have paid or have agreed to pay under a contract and which

You cannot get back from any other source;

(ii) The cost of excursions, tours and activities which You have paid for and which You cannot get back from any other

source; and

(iii) The cost of visas for the Trip You are undertaking which You have paid for and which You cannot get back from any

other source.

2. Alteration of Your Trip (pre-departure)

If it is necessary and unavoidable that You have to alter Your trip as a result of one (1) or more of the covered events listed

under Section A3, We will pay up to the sum insured limit shown in the Schedule of Benefits, the reasonable and necessary

additional costs incurred and paid by You to re-schedule Your Trip.

You can only Claim under Section A1 or A2, not both. The amount We will pay You under Section A2 will not be more than the

amount We would have paid under Section A1 above.

For single-trip Plans, this Policy will terminate once a Claim has been paid for Section A – Trip Cancellation (Pre- Departure), It

is important that You take out a new policy to cover Your altered travel as Your travel dates and/or circumstances may have

changed.

3. List of covered events

(a) Major travel events

An event described in (i) to (vii) below that first occurs after the commencement date for this section, as defined under

Trip, and which within fourteen (14) consecutive days of Your Travel Start Date prevents You from travelling to Your

Main Travel Destination(s) or to commence the travel as outlined in Your Trip itinerary:

(i) Natural Disaster and Extreme Weather Conditions at Your Main travel Destination(s);

(ii) major industrial or Covered Transport accident;

(iii) Civil Unrest, Riot or Commotion resulting in cancellation of scheduled Covered Transport services or in an

advisory against non-essential travel issued by the Government of Malaysia;

(iv) Strike resulting in cancellation of scheduled Covered Transport services;

(v) any event leading to airspace or multiple airport closures; or

(vi) Terrorist Act for which the Government of Malaysia has issued a notice formally advising against non-essential

travel to the area impacted by the event.

(b) Other events

An event described (i) to (iii) below that first occurs after the commencement date for this section, as defined under Trip,

and which prevents You from taking the travel as outlined in Your Trip itinerary:

(i) within sixty (60) consecutive days before Your Travel Start Date the unexpected death of, or Serious Illness or

Serious Injury to:

a. You;

b. An Immediate Family Member; or

c. Your Travelling Companion.

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(ii) You being made redundant within seven (7) consecutive days before Your Travel Start Date, as long as You had

been working at Your current place of employment for a minimum continuous period of two (2) years, and that at

the date and time You purchased this insurance cover You had no reason to believe that You would be made

redundant. This cover does not apply if You are self- employed or accept voluntary redundancy or to payments

made after You are made aware of Your redundancy.

(iii) You need to stay in Malaysia, if within fourteen (14) days before Your Travel Start Date, Your Home or Your

place of business is severely damaged by a fire, Natural Disaster and Extreme Weather Conditions, burglary

or vandalism leaving it uninhabitable.

Specific Exclusions applicable to Section A:

In addition to the General Exclusions, We shall not be liable under this section for any Claim arising out of, based upon or

attributable to:

1. costs which have been paid for or incurred on behalf of a person other than You.

2. any disinclination to travel or change in travel plans on the part of You or Your Travelling Companion.

3. You not advising the holiday or tour company or travel agent as soon as You know You have to cancel or alter Your Trip.

4. where permissible under law, any loss or event or liability which is covered under any other insurance policy, scheme or act

of government or is payable by any other source including but not limited to a hotel, Covered Transport or travel agent or

any other provider of travel and/or accommodation. We will however pay the difference between what is payable under the

other insurance Policy, scheme or act of government or such other source and what You would otherwise be entitled to

recover under this Policy.

5. costs You would need to pay irrespective of the travel period to which this insurance applies, such as annual timeshare

management fees or holiday club membership fees.

During Your travel

SECTION B – MEDICAL AND ASSOCIATED EXPENSES (Accident only cover under domestic annual multi-Trip and domestic

single-Trip Plans)

1. Medical Expenses

We will pay You for the necessary and reasonable Medical Expenses You incurred and paid following an Injury or illness

You suffered during Your Trip.

The maximum amount We will pay for is the limit specified in the Schedule of Benefits under Section B1 for the Plan You

selected.

Important:

a. If You are entitled to receive payment of all or part of the Medical Expenses from any other source, We will pay the

difference between what was actually incurred and paid by You and the amount You are entitled to receive from

such other source.

b. If You are admitted into Hospital and You are likely to be kept as an in-patient for more than twenty-four (24) hours,

You or someone acting on Your behalf must contact ATAM immediately. If You or someone acting on Your behalf

does not notify ATAM prior to Your stay exceeding twenty- four (24) hours, We may provide no cover or We may

reduce the amount We reimburse You for medical expenses.

c. The necessary and reasonable Medical Expenses covered are those that are medically necessary to treat Your

condition at the place the medical event occurred, unless otherwise approved in writing by Us or ATAM before such

medical treatment is provided.

2. Emergency Medical Related Expenses (Accident only cover under domestic annual multi-Trip and domestic single-Trip

Plans)

(a) Emergency Medical Evacuation And Emergency Medical Repatriation

When as the result of Injury or illness occurring while You are travelling on Your Trip and if in Our opinion or ATAM’s

opinion, it is judged medically appropriate to either move You to another location for medical treatment, or return You

to Malaysia, ATAM shall arrange for the evacuation or repatriation utilising the means We or ATAM believe to be most

appropriate based on the medical severity of Your condition.

ATAM will arrange the evacuation or repatriation and all decisions as to the means of transportation and the final

destination will be made by Us or ATAM at Our sole discretion. You must follow Our or ATAM’s instruction and

direction at all times. Covered expenses are only those authorised by Us or ATAM for transportation and medical

support services necessarily incurred and paid as a direct result of Your emergency medical evacuation or repatriation.

The maximum amount payable is the limit specified in the Schedule of Benefits under Section B2(a) for the Plan You

selected.

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(b) Compassionate Visit (does not apply to domestic annual Multi-Trip or domestic single-Trip Plans)

If You are hospitalised Overseas due to a Serious Illness or Serious Injury for more than three (3) consecutive days

and no adult Immediate Family Member is with You on Your Trip, We will pay:

(i) the reasonable and necessary Common Carrier expenses (economy class return fare where available) for travel

from Malaysia;

(ii) the reasonable and necessary hotel accommodation expenses (room charge only including any mandatory taxes

and charges); and/or

(iii) other reasonable and necessary transportation, communication and meal expenses;

incurred by one (1) person to be with You at the place You are hospitalised.

If You unexpectedly die while You are travelling Overseas on a Trip and no adult Immediate Family Member is with

You, We will pay:

(i) the reasonable and necessary Common Carrier expenses (economy class return fare where available) for travel

from Malaysia;

(ii) the reasonable and necessary hotel accommodation expenses (room charge only including any mandatory taxes

and charges); and/or

(iii) other reasonable and necessary transportation, communication and meal expenses; incurred Overseas by one

(1) person to attend Your repatriation, burial or cremation at the place of Your death.

Important:

1. This benefit is only payable where ATAM has provided its prior agreement.

2. The transportation and accommodation services must be arranged or pre- approved by Us or ATAM.

3. We will only cover one (1) person. Where there is a dispute, We will only authorise the Immediate Family

Member as the accompanying person under this cover, unless We receive clear instruction from You to the

contrary.

The maximum amount payable is the limit specified in the Schedule of Benefits under Section B2(b) for the Plan You

selected.

If You are hospitalised Overseas and accompanied by Your Child/Children, and if no other adult is travelling with

You, then provided the Child/Children are also Insured Person(s) under a travel insurance Policy issued by Us for

the same period of time, We will pay:

(i) the reasonable and necessary Common Carrier expenses (economy class return fare where available) for travel

from Malaysia;

(ii) the reasonable and necessary hotel accommodation expenses (room charge only including any mandatory taxes

and charges); and/or

(iii) other reasonable and necessary transportation, communication and meal expenses;

incurred while Overseas by an Immediate Family Member residing in Malaysia to take care of the Children and

accompany them Home.

The maximum amount payable is the limit specified in the Schedule of Benefits under Section B2(c) for the Plan You

selected. In the event the Child/Children are insured by another travel insurance Policy issued by Us, We will only

pay under the Policy that offers the highest benefit and We will not pay under both Policies.

(d) Daily Hospitalisation Income (does not apply to domestic annual multi-Trip or domestic single- Trip Plans)

If a Medical Practitioner confines You to Hospital as an in-patient due to Injury or illness occurring whilst on an

Overseas Trip, We will pay You for each continuous twenty- four (24) hour period of such Hospital Confinement.

Payment will only be made after the period of Hospital Confinement, supported by written evidence of the Hospital

Confinement reason and period.

The maximum amount payable is the limit specified in the Schedule of Benefits under Section B2(d) for the Plan You

selected. A per day limit also applies as set out in the Schedule of Benefits.

(e) Emergency Telephone Charges and Internet Use (does not apply to domestic annual multi-Trip or domestic single-

Trip Plans)

We will pay You for telephone charges incurred and paid by You for the use of:

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(i) Your mobile phone or a third party’s personal mobile phone;

(ii) a standard LAN Line phone; or

(iii) internet,

for the sole purpose of engaging the services of ATAM during an in-patient medical emergency. We will verify the call

requirement and costs with ATAM before We pay.

If You were required to purchase a prepaid card for this purpose then We will pay You the cost of the prepaid card but

only up to the amount which is reasonable, necessary and appropriate for the intended use. The maximum amount

payable is the limit specified in the Schedule of Benefits under Section B2(e) for the Plan You selected.

3. Follow Up Medical Treatment in Home Country - Malaysia (does not apply to domestic annual multi- Trip or domestic single-

Trip Plans)

We will reimburse You for the necessary and reasonable Medical Expenses You incurred and paid in Malaysia for follow-

up medical treatment in Malaysia of an Injury or illness which You had sustained whilst travelling Overseas on a covered

Trip.

We will pay covered treatments and services received within one (1) month of Your return date to Malaysia following the

covered Trip where either of the following conditions apply:

(a) treatment for the Injury or illness was first received whilst travelling Overseas on a covered Trip; or

(b) treatment for the Injury or illness was not first received whilst travelling Overseas but sought within twenty-four (24)

hours of Your return date and time to Malaysia on a covered Trip and it is reasonable to expect such Injury or illness

was acquired during a covered Trip.

The maximum amount We will pay for:

(a) in-patient Medical Expenses, is up to the limit specified in the Schedule of Benefits under Section B3(a) for the Plan

You selected;

(b) out-patient/specialist treatment and services provided by a Medical Practitioner, is up to the limit specified in the

Schedule of Benefits under Section B3(b) for the Plan You selected;

under Section B3(c) for the Plan You selected.

Important:

1. If You are admitted into Hospital and You are likely to be kept as an in-patient for more than twenty-four (24) hours,

You or someone acting on Your behalf must contact ATAM immediately. If You or someone acting on Your behalf

does not notify Us prior to Your stay exceeding twenty-four (24) hours, We may provide no cover or We may reduce

the amount We reimburse You for medical expenses.

2. If You are entitled to receive payment of all or part of the Medical Expenses from any other source, We will pay the

difference between what was actually incurred and paid by You and the amount You are entitled to receive from such

other source.

4. Overseas Dental Expenses (does not apply to domestic annual multi-Trip or domestic single-Trip Plans)

We will reimburse You for all the reasonable Overseas Dental Expenses necessarily incurred and paid following an Injury

to sound and natural teeth sustained from an Accident occurring during Your Trip.

If You are entitled to receive payment of all or part of the Dental Expenses from any other source, We will pay the difference

between what was actually incurred and the amount paid by such other source.

Important:

The amount payable under Section B4 is part of, not in addition to, the B1 sum insured limit.

Specific Exclusions applicable to Section B:

In addition to the General Exclusions, We shall not be liable under this section for any Claim arising out of, based upon or

attributable to:

1. illness in respect of a domestic Plan.

2. experimental, elective or investigative procedures.

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3. routine eye care or lack thereof unless such routine eye care results from a covered Injury sustained whilst on a Trip.

4. routine dental care or lack thereof (including any expenses incurred for dental treatment in Malaysia).

5. any Injuries to unsound and/or unnatural teeth.

6. any Injuries to teeth occurring during eating activities (e.g. biting and chewing).

7. non-emergency medical check-up or routine medical check- up.

8. health advisory travel related vaccinations and any resultant complications.

9. any expense for cosmetic surgery or treatment unless constructive surgery required as result of a covered Injury, and

ATAM agrees it is medically necessary.

10. any expenses incurred and paid for services provided by another party for which You are not liable to pay, or any expenses

already included in the cost of Your scheduled Trip.

11. any expenses for a service not approved and arranged by Us or ATAM, except that this exclusion shall not apply in the

event that You or Your Travelling Companion cannot for reasons beyond Your or their control notify Us or ATAM during

an emergency situation.

In any event, We reserve the right to reimburse You only for those expenses incurred and services paid for which We or

ATAM would have provided under the same circumstances up to the actual amount incurred, and at all times the applicable

maximum sum insured limit shown in the Schedule of Benefits shall apply.

12. any expense relating to an Injury or illness which is incurred more than one hundred and eighty (180) days from the time

the Injury or illness was first sustained.

13. any expense not supported by written medical reports from the applicable Service Provider.

14. any expense for external prosthetic appliances or devices which includes but is not limited to artificial limbs, hearing aids,

contact lenses, lenses, glasses, artificial teeth and dental bridges or wheelchair or walking aids. This does not include

wheelchair hire and like aid or devices used by You under the instruction of a Medical Practitioner during a period of

Hospital Confinement.

SECTION C – REPATRIATION OF MORTAL REMAINS or FUNERAL EXPENSES OVERSEAS (does not apply to domestic

annual multi-Trip or domestic single-Trip Plans).

If You unexpectedly die while You are travelling Overseas on a Trip, We will pay the reasonable and necessary expenses

incurred to repatriate Your mortal remains to Your Home in Malaysia or for a funeral or cremation at the location of Your death

Overseas.

It is a condition of cover that You were medically fit and able to undertake the planned travel when You commenced the Trip.

We or ATAM shall make the necessary arrangements for the return of Your mortal remains to Malaysia and We will also pay

directly or reimburse Your estate for service and supplies provided by a mortician or undertaker, including but not limited to the

cost of a casket, the embalming or cremation if so elected.

The maximum amount We will pay under this section is the sum insured limit shown in the Schedule of Benefits under Section

Specific Exclusions applicable to Section C:

In addition to the General Exclusions, We shall not be liable under this section for any Claim arising out of, based upon or

attributable to:

1. any expenses incurred and paid for religious rights or ceremonies.

2. any expenses incurred and paid for the transportation of Your mortal remains and related services not approved or arranged

by Us or ATAM.

3. any expenses incurred for body retrieval or recovery.

SECTION D – TRIP CURTAILMENT (does not apply to domestic annual multi-Trip or domestic Single-Trip Plans)

1. If after Your Trip has commenced it becomes necessary and unavoidable for You to have to curtail Your Trip and return

Home as a result of one or more of the covered events listed under Section D - 2, We will pay up to the amount shown in

the Schedule of Benefits of Your selected Plan for:

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(a) Forfeited travel expenses specified below:

(i) transportation and accommodation expenses which You have paid for or are legally required to pay under a contract

and which You cannot get back from any other source.

(ii) the cost of excursions, tours and activities which You have paid for and which You cannot get back from any other

source.

and/or:

(b) Additional Trip alteration expenses specified below:

(i) additional cost of a Common Carrier economy class fare (unless a higher grade of travel is confirmed medically

necessary by Us) to return You Home

(ii) Additional accommodation costs (room charge only) reasonably and necessarily incurred and paid by You.

Important:

1. If You do not hold a return ticket, We will deduct from Your claim an amount equal to Your original carrier’s published

one (1) way airfare (based on the same class of travel as that paid by You for Your outward Trip) for the route used for

Your return. The cost of this ticket is calculated at the time You cut short Your Trip.

2. We will only pay once for the same period of time and reason. For example,

(a) if Your claim includes reimbursement of both accommodation forfeited and additional accommodation charges for

the same nights, We will deduct from the additional charges what is claimed for the forfeited nights.

(b) Likewise, if We reimburse additional Common Carrier charges, We will deduct claimed forfeited transportation

costs for the return journey.

2. List of covered events

(a) Major travel events

One (1) or more of the listed events below that first occurs at Your Main Travel Destination(s) when You are travelling

on a Trip:

(i) Natural Disaster and Extreme Weather Conditions;

(ii) major industrial or Covered Transport accident;

(iii) Civil Unrest, Riot or Commotion resulting in cancellation of scheduled Covered Transport services or in an

advisory against non-essential travel issued by the Government of Malaysia;

(iv) Strike resulting in cancellation of scheduled Covered Transport services;

(v) any event leading to airspace or multiple airport closures; or

(vi) Terrorist Act for which the Government of Malaysia has issued a notice formally advising against non- essential

travel to the area impacted by the event.

(b) Other events

One (1) or more of the listed events below occurs when You are travelling on a Trip:

(i) You sustain a Serious Illness or Serious Injury. This is conditional upon ATAM agreeing that it is necessary

based on the nature of the illness or Injury condition that You return Home.

(ii) unexpected death or Serious Illness or Serious Injury occurs to one (1) of the following persons:

a. an Immediate Family Member; or

b. Your Travelling Companion.

(iii) Your Home is rendered uninhabitable following a fire or Natural Disaster and Extreme Weather Conditions.

(iv) Your Home or place of business in Malaysia is the subject of burglary or vandalism and the police require Your

urgent attendance or the burglary or vandalism renders Your Home in Malaysia uninhabitable.

(v) the aircraft in which You are travelling as a fare paying passenger is hijacked while You are onboard and as a

direct consequence of the trauma You suffer from the hijack You are unable to continue Your Trip.

Specific Exclusions applicable to Section D:

In addition to the General Exclusions, We shall not be liable under this section for any Claim arising out of, based upon or

attributable to:

1. costs which have been paid for or incurred on behalf of a person other than You.

2. any disinclination to travel or change in travel plans on the part of You or Your Travelling Companion.

3. You not advising the holiday or tour company or travel agent as soon as You know You have to cancel or alter Your Trip.

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4. where permissible under law, any loss or event or liability which is covered under any other insurance policy, scheme or act

of government or is payable by any other source. We will however pay the difference between what is payable under the other

insurance policy, scheme or act of government or such other source and what You would be otherwise entitled to recover

under this Policy.

5. any additional expenses incurred should You decide to travel to any destination other than Malaysia in the event of cutting

short Your Trip. If You have to cut short Your Trip and You do not return to Malaysia We will only be liable for the equivalent

costs which You would have incurred had You returned to Malaysia.

6. You being unable to continue with Your travel due to Your failure to obtain the passport or visa You need for the Trip.

7. costs You would need to pay irrespective of the event giving rise to the claim, such as annual time share management fees

or holiday club membership fees.

SECTION E1- TRIP INTERRUPTION (does not apply to domestic annual multi-Trip or domestic single-Trip Plans)

1. If whilst traveling Overseas, Your Trip is unexpectedly interrupted for more than twenty-four (24) consecutive hours due to

one (1) or more of the covered events listed under Section E1 (2) and as a result of such covered event(s), You incurred and

paid additional:

(a) Common Carrier costs to re-arrange Your travel to reach Your intended destination;

(b) accommodation costs Overseas because You were stranded on an international connection;

(d) airport car parking costs in Malaysia because of Your late arrival Home;

then in relation to these expenses (a) to (d) only, We will reimburse You up to the sum insured limit shown in the Schedule

of Benefits for Your selected Plan for additional, necessary and reasonable:

(i) Common Carrier costs equivalent to an economy class fare to get You to the place where You would have been in

accordance with Your pre-trip itinerary had it not been for the interruption event.

(ii) accommodation costs (room charge only).

(iii) costs to extend car parking in Malaysia. The maximum period You can Claim for is ten (10) consecutive days.

Under this Section:

1. You can only Claim if You are not claiming under Section D – Trip Curtailment or Section F1 – Travel Delay for the

same event.

2. If You are entitled to receive payment of all or part of the expenses covered by this section from any other source,

We will pay the difference between what was actually incurred and paid by You and the amount You are entitled to

receive from such other source.

2. List of covered events

(a) Major travel events

One (1) or more of the listed events below that first occurs at Your Main Travel Destination(s) when You are travelling

on a Trip:

(i) Natural Disaster and Extreme Weather Conditions;

(ii) Major industrial or Covered Transport accident;

(iii) Civil Unrest, Riot or Commotion resulting in cancellation of scheduled Covered Transport services or in an

advisory against non-essential travel issued by the Government of Malaysia;

(iv) Strike resulting in cancellation of scheduled Covered Transport services;

(v) Any event leading to airspace or multiple airport closures; or Terrorist Act for which the Government of Malaysia

has issued a notice formally advising against non- essential travel to the area impacted by the event.

(b) Other events

One (1) or more of the listed events below occurs when You are travelling on a Trip:

(i) Your unexpected Serious Illness or Serious Injury and ATAM agree that You should stay where You are.

(ii) Unexpected death, Serious Illness or Serious Injury of Your Travelling Companion.

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SECTION E2: TRAVEL MISSED CONNECTION (does not apply to domestic annual multi-Trip or domestic single-Trip Plans)

If You miss a scheduled connecting Common Carrier at the transit point due to the delay of an incoming Common Carrier and

no alternative transport is made available by the incoming Common Carrier, then We will pay for each six (6) hour delay period

the amount for Your selected Plan, up to the applicable maximum limit, as shown in the Schedule of Benefits.

We would however not pay if:

1. Your incoming Common Carrier was scheduled to arrive after the stated check-in time required by the connecting Common

Carrier; or

2. the incoming Common Carrier was scheduled to arrive less than one (1) hour prior to the scheduled departure time of

connecting Common Carrier; or

3. You purchased this Policy within six (6) hours from the original scheduled departure time of the connecting Common Carrier

as stated on Your ticket or travel itinerary.

The period of delay shall be calculated from the original scheduled departure time of the connecting Common Carrier as stated

on Your ticket or travel itinerary to the next available Common Carrier or any alternative means of transportation, whichever is

earlier.

Specific Exclusions applicable to Section E

In addition to the General Exclusions, We shall not be liable under this section for any Claim arising out of, based upon or

attributable to:

1. costs which have been paid for or incurred on behalf of a person other than You.

2. any disinclination to travel or change in travel plans on the part of You or Your Travelling Companion.

3. You not advising the holiday or tour company or travel agent as soon as You know You have to cancel or alter Your Trip.

4. where permissible under law, any loss or event or liability which is covered under any other insurance policy, scheme or

act of government or is payable by any other source. We will however pay the difference between what is payable under

the other insurance policy, scheme or act of government or such other source and what You would be otherwise entitled

to recover under this Policy.

5. You being unable to continue with Your travel due to Your failure to obtain the passport or visa You need for the Trip.

SECTION F1 – TRAVEL DELAY

In the event that the pre-booked and paid Covered Transport in which You have arranged to travel is delayed for at least six

(6) consecutive hours from the departure time specified in the itinerary provided to You by the Covered Transport provider, and

as a direct result of one (1) or more of the covered events listed under the Section F1 - 2, then We will pay for each six (6)

hour delay period the amount for Your selected Plan, up to the applicable maximum limit, as shown in the Schedule of Benefits.

1. Calculation of Departure delay

Departure delay will be calculated based on the information provided by the Covered Transport provider and from the

scheduled departure time:

(a) printed in the itinerary issued to You; or

(b) if no itinerary is issued then appearing in other formal documentation supplied or published by the Covered Transport

provider for Your Covered Transport journey to which this insurance cover relates,

until the actual departure time of:

(a) the Covered Transport; or

(b) the first available alternative transportation offered by that Covered Transport provider.

2. List of covered events

(a) One (1) or more of the listed events below that first occur after Your Trip has commenced:

(i) Natural Disaster and Extreme Weather Conditions;

(ii) less severe but delay impacting weather conditions not included in (i) above;

(iii) major industrial or Covered Transport accident;

(iv) Civil Unrest, Riot or Commotion resulting in the delay of scheduled Covered Transport services;

(v) Strike resulting in delay of scheduled Covered Transport services;

(vi) Terrorist Act for which the Government of Malaysia has issued a notice formally advising against non- essential

travel to the area impacted by the event;

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(vii) any event other than those mentioned above (e.g. terrorism, natural disasters, civil commotion) leading to

airspace or multiple airport closures;

(viii) mechanical breakdown, equipment failure or structural defect of the Covered Transport; or

(ix) unanticipated operational issues which are not related to rescheduling or planned activities of the Covered

Transport provider or port operator.

Special Conditions applicable to Section F1:

1. Written proof must be provided by the Covered Transport provider clearly stating the reason for the delay and the period of

the delay.

2. You can only Claim under this Section F1 if You are not claiming under Section A.

SECTION F2 – TRAVEL REROUTE (does not apply to domestic annual multi-Trip or domestic single-Trip plans)

If the Common Carrier in which You have boarded while on an Overseas Trip is rerouted due to:

(a) adverse weather conditions; or

(b) mechanical breakdown of the Common Carrier,

We shall pay up to the applicable maximum limit specified in Section F2 of the Schedule of Benefits.

The period of delay shall be calculated from the original scheduled arrival time as stated in Your ticket or travel itinerary to the

actual arrival time.

Special Conditions applicable to Section F2:

1. Written proof must be provided by the Covered Transport provider clearly stating the reason for the delay and the period of

the delay.

2. If We pay under this Section F2, We will not pay under any other section or sub-section for the same event and time.

Specific Exclusions applicable to Section F:

In addition to the General Exclusions, We shall not be liable under this section for any Claim arising out of, based upon or

attributable to:

1. any loss arising from delay of:

a. a taxi or shuttle service; or

b. a cruise or tour bus service, or any like conveyance used for touring purposes, even if such services are regularly

scheduled.

For the purpose of this exclusion, shuttle service shall mean any conveyance operating between two (2) points without any

intermediate stops with a transit time of less than thirty

(30) minutes.

2. Your failure to obtain written confirmation from the Covered Transport provider on the number of hours of and the reason

for such delay.

3. any loss arising from the time You fail to take the first available alternative transportation offered by the administration of

the relevant Covered Transport provider.

4. any consequential loss arising from the late arrival of a preceding Common Carrier that causes subsequent delay or

missed connection of each Covered Transport in which You have arranged to travel during the course of Your Trip.

5. delays, rescheduling or cancellation by a Covered Transport provider unless otherwise expressly covered under this

Policy.

6. any delay which You have been made aware of twenty- four (24) hours or more prior to the original scheduled departure

time as stated in Your ticket or travel itinerary via notification by the Covered Transport provider.

7. Your late arrival at the check-in point or failure to check in according to the itinerary supplied to You.

Special conditions applicable to Sections E & F:

In any one (1) event of loss, You can only claim under either Section E1, E2, F1, F2 or L, where applicable.

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SECTION G – BAGGAGE

1. Loss of Personal Baggage Items.

If during the Trip Your personal baggage items taken by You or purchased by You during Your Trip are lost, stolen or

accidentally damaged:

a. We will at Our sole discretion either reimburse You for the cost of the lost item or reimburse the repair cost of the

damaged item, up to the amount specified in Section G1 of the Schedule of Benefits.

b. the maximum amount We will compensate You shall be based on the value of the property at the time it was lost, stolen

or accidentally damaged.

c. a deduction, determined at Our sole discretion, will be made for wear, tear and loss of value depending on the age of

the property.

Item Limit:

The maximum amount that We will pay for each item or pair or set of items is the limit specified in the Schedule of Benefits

under Section G1(a), G1(b) or G1(c) for the Plan You selected.

A pair or set of items is personal property which belong together and cannot be worn or used or work separately for the

purpose intended. For example, a pair of earrings or a set of golf clubs.

Section Limit:

The maximum amount that We will pay for all claims under this section is the limit specified in the Schedule of Benefits

under Section G1 for the Plan You selected.

Specific conditions applicable to Section G1:

In respect of domestic Plans, such loss or damage must arise directly as a result of:

a. theft whilst in the custody of a Common Carrier; or

b. negligence of Common Carrier.

2. Baggage Delay

If during the Trip Your baggage is delayed for collection at Your scheduled arrival port for more than six (6) continuous

hours by the Covered Transport provider, We will pay the sum insured limit shown in the Schedule of Benefits.

Important:

1. We will pay up to the sum insured limit under Section G2(b) shown in the Schedule of Benefits if Your baggage is

delayed on Your final inward journey to Malaysia.

2. If Your baggage is permanently lost or damaged during the delay, We will deduct any payment We make for delayed

baggage from Your overall Claim for personal baggage under Section G and vice versa.

3. Fraudulent Use of Credit Card (does not apply to domestic annual multi-Trip or domestic single-Trip Plans)

If during Your Trip, Your credit cards are stolen by any person other than Your Relative or Your Travelling Companion

and You are legally liable for payment arising out of the unauthorised use of Your credit cards, We will pay up to the sum

insured limit shown in the Schedule of Benefits for the non-recoverable legal liability and/or the cost of replacing credit

cards.

4. Loss of Travel Document (does not apply to domestic annual multi-Trip or domestic single-Trip Plans)

If during the Trip Your Passport, Visa, Identity Card or Entry Permit is

(a) stolen; or

(b) lost or damaged as a result of Natural Disaster and Extreme Weather Conditions or accident to the conveyance in

which You were travelling,

We will pay up to the sum insured specified under Section G4 of the Schedule of Benefits

1. for the replacement of the actual passport, visa, identity card or entry permit, the actual expenses charged by the issuing

authority for the replacement; and/or

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2. to allow You to either continue with the Trip or return Home, the additional, reasonable and necessary expenses listed

below and not covered elsewhere under the Policy which are actually incurred by You when Overseas for the sole

purpose of securing Your emergency passport, visa , identity card or entry permit:

(i) transportation costs at place of loss;

(ii) accommodation and meals costs at place of loss; and

(iii) communication expenses, such as, phone calls to the embassy or issuing authority.

5. Loss of Personal Money (does not apply to domestic annual multi-Trip or domestic single-Trip plans)

If Your personal money items (i.e. cash, bank notes, traveller’s cheques and money orders only) which are taken with You

on the Trip are stolen We will reimburse You up to the sum insured limit shown in the Schedule of Benefits.

Specific conditions applicable to Section G:

1. For loss or damage to personal baggage items or baggage delay due to the Service Provider:

(i) any Claim for compensation must first be made against the Service Provider;

(ii) any Claim submitted to Us shall contain proof of compensation received from the Service Provider and if such

compensation is denied, any Claim submitted to Us shall contain written proof of such denial; and

(iii) We will only accept a Claim from one (1) Insured Person for any one (1) piece of baggage even if the baggage contains

personal items relating to multiple Insured Persons. This means, for example, that in the event of a baggage delay

Claim We will only pay up to the individual sum insured limit if one (1) bag is delayed and will not accept claims from

other Insured Persons listed on the Policy Schedule in respect of the same baggage item.

2. Any loss of personal baggage items, fraudulent use of credit card, personal money items or travel documents:

(i) must be reported to the police or relevant authority such as the airport authority having jurisdiction at the place of loss

within twenty- four (24) hours of the incidence of loss; and

(ii) must be accompanied by written documentation from such authorities pertaining to the circumstances of the loss.

3. You must take every possible step and reasonable precaution to ensure Your personal baggage items, personal money

items or travel documents are kept safe during the Trip, properly packaged, carried and secured during the Trip.

Specific exclusions applicable to Section G

In addition to the General Exclusions, We shall not be liable under this section for any Claim for or arising out of:

1. surfboards, bicycles and snow equipment and all other forms of sporting equipment (including clothing and accessories)

whilst in use; and any land, sea or air motorised conveyance and/or its accessories.

2. perishable and consumable items; hired or leased equipment; business goods and samples or equipment of any kind

including but limited to business Technology Items.

3. furniture, collectables, antiques, artefacts, paintings, objects of art and any object with intrinsic value; musical instruments

and manuscripts, stroller, wheelchair, and/or jewellery that is not worn on the person or properly stored in a hotel safe or

strongroom at time of loss.

4. mechanical or electrical breakdown.

5. damage caused by leaking powder or fluid carried within Your baggage.

6. wear, tear or damage due to any process of repair, gradual deterioration, moths, vermin, atmospheric or weather condition

or damage sustained due to any process or while actually being cleaned or worked upon or resulting from these processes.

7. monetary shortage due to error, omission, exchange transaction or depreciation in value.

8. cash, travel documents, credit cards, financial securities and instruments of any kind, currency notes or traveller’s cheques,

Plastic Money, driving license and identity cards (for the purpose of clarity this exclusion shall not apply to Sections G3,

G4 and G5 above).

9. loss of data, applications or software including but not limited to data recorded or accessed on tapes, cards, discs, USB or

any other form of device.

10. external prosthetic appliances or devices which includes but is not limited to artificial limbs, hearing aids, contact lenses,

lenses, glasses, artificial teeth (including dentures) or dental bridges (crown).

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11. personal baggage items:

(i) sent in advance or with someone else, mailed or shipped separately; or

(ii) given to someone else to look after who is not a member of Your travelling party, a Relative or an authorised person

such as hotel or transport representative.

12. damage due to scratching or denting unless the damage has rendered the item no longer fit for the original purpose for

which it was designed. Claims will not be paid where the damage is limited to impacting the aesthetic appeal of the item.

13. Valuables, Technology Items, personal money items and travel documents:

(i) that are left Unattended in a vehicle at any time; or

(ii) that are checked in with the Covered Transport.

14. personal baggage items taken from an unattended vehicle, unless stored completely out of sight in the trunk of the vehicle,

the vehicle is fully locked with all windows closed and there is visible evidence of forced entry.

15. any personal baggage items that are checked in with the Covered Transport contrary to the terms and conditions of the

Covered Transport provider.

16. personal baggage items, personal money items and travel documents left Unattended in any Public Place, aircraft, ship,

tram, taxi, bus or other form of transport.

17. personal baggage items left Unattended in any unlocked paid accommodation room or private dwelling.

18. Valuables, Technology Items, personal money items and travel documents left Unattended and not secured in a safe or

strongroom at the time of loss when such is provided at the paid accommodation at which You are staying.

19. jewellery that is not worn on the person or properly stored in a hotel safe or strongroom at time of loss.

20. the unexplained disappearance of any personal baggage items, personal money items or travel documents.

21. Nor will We pay under this section for;

(i) any Claims for items where receipts or evidence of purchase and ownership cannot be provided at the time of Claim.

At Our sole discretion We may agree to receiving other proof, deemed reasonable by Us, of ownership for the items

being claimed.

(ii) personal baggage items, personal money items and travel documents that are secured, destroyed, damaged,

quarantined or confiscated by any customs or other regulations or any property which is contraband or which is or

has been illegally transported or traded.

SECTION H - PERSONAL ACCIDENT

1. Accidental Death and Permanent Disablement

If You are involved in an Accident during the Trip and as a consequence suffer an Injury which within twelve (12)

consecutive months of the date of the Accident, results in one (1) of the listed events under Section H2 - benefits table, We

will pay the compensation for the specific event as set out in the benefits table.

The compensation for an event is the stated percentage shown in the benefits table for that event multiplied by the sum

insured limit shown in the Schedule of Benefits for the selected Plan.

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2. Benefits table

Event

Benefit

Percentage of sum insured limit shown in

the Schedule of Benefits for the

selected Plan

Injury resulting in:

Death

100%

Permanent Total Disablement

100%

Permanent and incurable paralysis of all Limbs

100%

Permanent Loss of Sight

(a) both eyes

(b) one (1) eye

100%

50%

Permanent Loss of Limb – two (2) or more

100%

Permanent Loss of Speech and Permanent Loss of Hearing

100%

Permanent Loss of Hearing

(a) both ears

(b) one (1) ear

75%

25%

Loss of Speech

50%

Permanent Loss of Limb - one (1) Limb

50%

Third Degree Burns to the head

Equal to or greater than 8% damage

of total head surface area

100%

Equal to or greater than 5% but less

than 8% damage of total head

surface area

75%

Equal to or greater than 2% but less

than 5% damage of total head

surface area

50%

Third Degree Burns to the body

(excluding head surface area)

Equal to or greater than 20% damage

of total body surface area

100%

Equal to or greater than 15% but less

than 20% damage of total body

surface area

75%

Equal to or greater than 10% but less

than 15% damage of total body

surface area

50%

Specific conditions applicable to Section H:

Compensation:

If more than one (1) of the events listed in Section H2 - benefits table are applicable, We will pay for the event that has the highest

amount payable, and if two (2) or more events present the same amount, We will at Our sole discretion, choose the event under

which the Claim would be settled.

1. The insurance for You under this Policy shall terminate upon the occurrence of any Injury for which indemnity is payable

under any one (1) of the events listed in Section H2- benefits table, but such termination shall not affect any Claim originating

out of the Accident causing such Injury.

2. Exposure

If by the reason of any covered Accident occurring during the Trip, You are unavoidably exposed to the elements, for

example prolonged and rigorous weather or environmental conditions, and as a direct and unavoidable result of such

exposure suffer an Injury which results in one (1) of the events listed in Section H2(1) to (9) – benefits table within one

hundred and eighty (180) days from the date of the Accident, We will pay the compensation specified for that event in

accordance with the terms and conditions of this Policy section.

3. Disappearance

If during a Trip You disappear as a result of the Accidental disappearance, sinking or wrecking of the means of

transportation in which You were travelling at the time of the Accident, and:

(a) remain missing after twelve (12) consecutive months from the date of the Accident; and

(b) we have reason to believe that You died in the Accident;

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then We will pay the Personal Accident Death benefit under Section H2(1) – benefits table, subject to receipt of a signed

undertaking by the personal representative of Your estate that any such payment shall be refunded to Us if it is later

discovered that You did not die as a result of the Accident.

Specific Exclusions applicable to Section H

In addition to the General Exclusions, We shall not be liable under this section for any Claim arising of, based upon or attributable

to:

1. illness or disease or any pre-existing physical or congenital condition, except illness directly resulting from medical or surgical

treatment rendered necessary by such Injury.

2. actual or alleged exposure to or contact with any actual or alleged toxic substance, pollutant, hazardous or waste material,

viral agent or bacteria regardless of the manner in which exposure or contact occurred.

SECTION I – PERSONAL LIABILITY

We will reimburse You up to the sum insured limit shown in the Schedule of Benefits for:

(a) compensatory damages You become legally liable to pay because during Your Trip You injured someone, caused someone

to die, or lost or damaged someone’s property.

(b) Your reasonable legal costs and expenses for settling and defending the Claim made against You as long as You have

incurred and paid them with Our approval.

Specific Exclusions applicable to Section I

In addition to the General Exclusions, We shall not be liable under this section for any Claim arising out of, based upon or

attributable to:

1. Injury to Your Travelling Companion or to a Relative.

2. Injury to Your employee or an employee of Your Travelling Companion or Relative.

3. loss of or damage to property belonging to or in the care or control of You, a Relative of Yours, Your Travelling Companion,

or an employee of any of the aforementioned.

4. a Claim against You arising out of ownership, custody, or use of any motor vehicle or mechanically propelled vehicle, any

aircraft, watercraft, firearms, or animals.

5. a Claim arising from the conduct of a business, profession or trade, including You providing professional advice or service.

6. a Claim which would be covered under workers compensation legislation, an industrial award or agreement, accident

compensation legislation, or any similar legislation or regulation.

7. any fine or penalty.

8. punitive, aggravated or exemplary damages.

9. any Terrorist Act or any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known

or suspected Terrorist Act.

10. a judgment which is not, in the first instance, either delivered by or obtained from a court of competent jurisdiction within

Malaysia or the country in which the Claim event occurred giving rise to Your liability.

11. any contract unless such liability would have arisen in the absence of that contract.

SECTION J – LOSS OF HOME CONTENTS (does not apply to domestic annual multi-Trip or domestic single-Trip Plans)

We will reimburse You up to the sum insured limit shown in the Schedule of Benefits for the loss of or damage to household

contents owned, used or worn by You or contained within Your Home as a direct result of burglary while You are travelling on a

Trip.

Specific conditions applicable to Section J:

1. All Claim settlements will be subject to due allowance for wear, tear and depreciation determined at Our sole discretion.

2. In relation to the lost or damaged property We may at Our sole discretion choose to either:

(a) Reimburse or replace the lost or damaged property; or

(b) Reimburse You for the repair cost of the damaged property.

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Specific Exclusions Applicable to Section J:

In addition to the General Exclusions, We shall not be liable under this section for any Claim for or arising out of:

1. burglary while Your Home is unoccupied for more than thirty (30) days from or prior to the departure date of the Trip.

2. any loss or damage of bonds, bills of exchange, cash, coins, cheques, promissory notes, postal or money orders, record or

book or similar tokens, luncheon voucher or other coupons, Plastic Money (credit cards, deeds, documents of title,

manuscripts, medals, passports, identity cards, stamps, share certificates, contact or corneal lenses, mobile telephone or

smartphone, travel tickets, foodstuffs, animals, motor vehicles (including accessories), furniture, collectables, antiques,

artefact’s, paintings, objects of art and any object with intrinsic value).

3. motorcycles, boats, motors, any other conveyances, loss of data recorded on tapes, cards, discs, USB or any other form of

device.

4. any loss or damage not reported to the police and in respect of which a police report is not obtained within twenty-four

(24) hours of You becoming aware of such incidence of loss or Your return back to Your Home whichever occurs first.

5. any shortage due to error, omission, exchange or depreciation in value.

6. any special equipment or apparatus used in connection with any profession, business or employment.

7. any malicious damage or vandalism by any person lawfully in Your Home in Malaysia.

8. any loss or damage arising from You not taking all reasonable efforts to take due care and precautions for the safeguarding

and security of Your Home contents within Your Home in Malaysia to avoid, or to minimise, any Claim under this insurance.

9. where permissible under law, any loss or event or liability which is covered under any other insurance policy, scheme or act

of government or is payable by any other source. We will however pay the difference between what is payable under the

other insurance policy, scheme or act of government or such other source and what You would be otherwise entitled to

recover under this Policy.

SECTION K – CAR RENTAL EXCESS CHARGES (does not apply to domestic Annual Multi-Trip or domestic Single- Trip

plans)

We will reimburse You up to the limit specified in the Schedule of Benefits for:

1. Car Rental Excess Charges; or

2. Car Rental Vehicle Return Costs due to Your Hospital Confinement.

The following conditions apply:

(a) the Rental Vehicle must be rented from a licensed car rental agency.

(b) You are a named driver or co-driver of the rental car.

(d) You are using the Rental Vehicle solely for the carriage of non-fare paying passengers and are not using it for the carriage

of commercial goods.

(e) You have purchased comprehensive motor insurance for the Rental Vehicle during the car hire period and You have

adhered to all terms and conditions stipulated in the comprehensive motor insurance policy.

Specific Exclusions applicable to this Section K:

In addition to the General Exclusions, this Policy does not cover loss or damage arising out of, based upon or attributable to:

1. contravention of the terms and conditions stipulated in the car rental agreement.

2. any rented vehicle which is classed as a campervan, motor home or any other vehicle that is used for both accommodation

and transportation purposes

3. any rented vehicle that is not categorised as a passenger carrying motorcar including but not limited to motorcycle, racing

cars, watercraft and aircraft of any kind.

4. wear and tear and gradual deterioration, damage from insects or vermin, inherent vice, latent defect or damage.

5. loss or damage which occurs beyond the limits of any public roadway or on any roadway inaccessible to two- wheel-drive

cars.

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SECTION L – TRAVEL DELAY UPGRADE (does not apply to domestic annual multi-trip or domestic single- Trip Plans)

This is an optional add-on benefit. This benefit only applies if You purchase the benefit and it is reflected in the Policy Schedule.

You are covered if any of Your travels during an Overseas Trip is delayed for at least three (3) consecutive hours (subject to the

exclusions below) beyond the intended departure time specified in the itinerary provided to You by the Covered Transport

provider. We will pay You for each complete three (3) hours of delay up to applicable maximum limit stated in the Schedule of

Benefits.

The delay departure time will be calculated from the scheduled departure time (as stated in the itinerary issued to You by the

Covered Transport provider or any other formal document issued by the Covered Transport provider if there is no itinerary) up

until the actual departure time of the Covered Transport (or the next available departure time of the alternative transportation

offered by the Covered Transport provider).

Specific Exclusions applicable to Section L:

In addition to the General Exclusions, We are not liable for any

Claim arising from:

1. any loss arising from delay of:

(a) a taxi or shuttle service; or

(b) a cruise or tour bus service, or any like conveyance used for touring purposes, even if such services are regularly

scheduled.

For the purposes of this exclusion, shuttle service shall mean any conveyance operating between two (2) points without any

intermediate stops with a transit time of less than thirty (30) minutes.

2. Your failure to obtain a written confirmation form the Covered Transport provider on the number of hours of and the reason

for such delay.

3. any loss arising from the time You fail to take the first available alternative transportation offered by the Covered Transport

provider.

4. any consequential loss arising from the late arrival of a preceding Common Carrier that causes subsequent delay or missed

connection of each Covered Transport in which You have arranged to travel during the course of Your Trip while Overseas.

5. any delay due to rescheduling, re-timing or cancellation by a Covered Transport which You have been made aware of

twenty-four (24) hours or more in advance, prior to the original scheduled departure time as stated in the itinerary provided

to You by the Covered Transport provider.

6. Your late arrival at the check-in point or failure to check in according to the itinerary supplied to You.

7. any Claim arising in Malaysia, regardless of whether such Claim is in relation to an Overseas Trip.

Special conditions applicable to Sections L:

In any one (1) event of loss, You can only Claim once under either Section E1, E2, F1, F2 or L (where applicable).

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PART 3 – GENERAL DEFINITIONS, EXCLUSIONS AND CONDITIONS

GENERAL DEFINITIONS

Accident or accidental means a sudden, unexpected, involuntary and specific event, external to the body, which occurs at an

identifiable time and place.

AIG Travel Assist Malaysia Sdn Bhd or ATAM is Our business partner that provides twenty-four (24) Hour world-wide

emergency assistance.

Business Associate means any directors, commissioners or shareholders named on Your business registration document.

Car Rental Excess Charges means any excess or deductible under Your Rental Vehicle motor insurance policy which You

become legally liable to pay in respect of loss or damage caused by an Accident to the Rental Vehicle during Your Trip.

Car Rental Vehicle Return Costs means any charges incurred and paid for returning Your Rental Vehicle to the nearest rental

car depot in the event that You are not able to return Your Rental Vehicle during Your Trip due to Your Hospital Confinement.

Child/Children means a legitimate dependant of an Insured Person who is under the age of eighteen (18) years or twenty- five

(25) years if attending tertiary education on the Travel Start Date.

Chronic means any condition that persists, or is expected to persist for longer than a year and after that time is likely to recur.

These include but are not limited to: arthritis, cardiovascular disorders, cancer (carcinoma / carcinoma in situ / malignant tumors),

epilepsy, haemophilia, lupus, motor neuron disease, multiple sclerosis disease, muscular dystrophy, Parkinson’s disease, renal-

kidney disease, respiratory disorder.

Civil Unrest, Riot or Commotion means a gathering of persons (organised or unorganised) in disturbance of the public peace

with the presence of violence, threats of violence, or the action of any lawfully constituted authority to suppress or attempt to

suppress any such gathering.

Claim means a request by You to Us to avail of the range of benefits that are available under this Policy.

Competition sport means any involvement, including training, in an organised sport event or contest of a physically demanding,

acrobatic and/or combative nature. These include but are not limited to cycling, triathlons, biathlons, ultra- marathons, equestrian,

sailing and other water sports, football, rugby, hockey, gymnastics, pole jumping, fencing, weightlifting, archery, shooting, martial

arts, boxing and all winter sports. It does not mean sports, including those that are referenced above, which are organised

sanctioned competitions for primary or secondary school age students.

Common carrier means a commuter bus, ferry, hovercraft, hydrofoil, train, tram, and any fixed-wing aircraft:

(a) authorised pursuant to any statute, regulation, by law or equivalent therefore for the transportation of fare paying

passengers; and

(b) which operate to fixed, established and regular schedules and routes

It does not mean taxis, cruises nor does it mean any such conveyance if chartered or arranged as part of a tour even if such

services are regularly scheduled.

Covered Transport means any land, water or air conveyance operating under a valid license for conveyance of fare paying

passengers and which operate to fixed, established and regular schedules and routes.

Daily commute means Your regular commute to and from Your Home and place of business or work within or outside of

Malaysia.

Dental expenses means the necessary and reasonable expenses incurred and paid to a Dental Practitioner for dental treatment

carried out by the Dental Practitioner. All treatment including specialist treatment must be prescribed or referred by a Dental

Practitioner in order for expenses to be reimbursed under this Policy which reimbursement will not exceed the usual level of

charges for similar treatment, dental services or supplies in the location where the expenses were incurred and paid, had this

insurance not existed.

Dental practitioner means a registered and properly qualified dental practitioner licensed under any applicable laws and acting

within the scope of his/her license and training. The attending Dental Practitioner cannot be You, any of Your Relative, Your

Business Associate, employer, employee, or Your Travelling Companion.

Existing health condition means:

(a) any illness, disease, injury, including symptoms, suffered by You, Your Relative, Business Associate, or Travelling

Companion, which in the one (1) year period before the Travel Start Date and time:

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(i) first manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily

prudent person to seek diagnosis, care or treatment;

(ii) required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a Medical

Practitioner; or

(iii) was treated by a Medical Practitioner or treatment had been recommended by a Medical Practitioner.

(b) It shall also mean any congenital, hereditary, Chronic or ongoing condition of Yours, Your Relative, Business

Associates, or Travelling Companion which You or they are aware of, or could reasonably be expected to be aware of,

before the Travel Start Date and time.

Expedition means any journey to high risk, inaccessible and/or inhospitable locations including but not limited to privately

organised kayaking trips around the coast of a country or trips to generally inaccessible interiors of a country or areas previously

unexplored or unchartered, or trips undertaken for scientific, research or political purposes to such locations or trips to Antarctica

or similar remote and inhospitable locations. It does not mean Trekking and travel, outside of these previously given examples,

provided by a recognised tour operator that are accessible to the general public without restrictions (other than general health or

fitness warnings), but always providing that You are acting under the guidance and supervision of qualified guides and/or

instructors of the tour operator.

Extreme Sports and Sporting Activities means any sport or sporting activities that present a high level of inherent danger (i.e.

involves a high level of expertise, exceptional physical exertion, highly specialised gear or stunts) including but not limited to big

wave surfing; winter activities like luging, bobsleighing, ski or snow board jumping or stunts; bicycle, motor, air or sea craft speed

trials or stunts; canoeing down rapids; cliff jumping; horse jumping; horse polo; and stunts. It does not mean usual tourist activities

that are accessible to the general public without restriction (other than height or general health or fitness warnings) and which

are provided by a recognised local tour operator/activity provider but always providing that You are acting under the guidance

and supervision of qualified guides and/or instructors of the tour operator/activity provider when carrying out such tourist activities.

Financial default means insolvency, bankruptcy, provisional liquidation, liquidation, financial collapse, appointment of a receiver,

manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or

composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction.

Healthcare professional means a registered herbalist, acupuncturist, chiropractor, bonesetter or osteopath licensed under any

applicable laws of the country in which such services are provided. The attending healthcare professional cannot be You, any of

Your Relative, Your Business Associate, employer, employee or Your Travelling Companion.

Home means Your primary residence within Malaysia.

Hospital means an establishment constituted and registered as a facility for the care and treatment of sick and injured persons

and which:

(a) Has full facilities for diagnosis and surgical procedures;

(b) Provides twenty-four (24) hour a day nursing services by registered graduate nurses;

(d) Is not primarily a clinics, nursing, rest or convalescent home, a home for the aged, a place for the treatment of alcoholism

or drug addiction or an institution for mental or behavioural disorder.

Hospital Confinement means the period the Insured Person is registered as an in-patient in a Hospital because of a medical

necessity under the professional care of a Medical Practitioner and for which the Hospital levies a charge for room and board

for the treatment of an Injury or illness for such confinement.

Immediate Family Member means Your Spouse, parent, parent-in-law, grandparent, son or daughter, son-in-law, daughter-in-

law, brother or sister, step-parent, stepdaughter, stepson, grandchild, legal guardian.

Indirect Losses means loss of profits, loss of use, loss of business, loss of business opportunity, or any Claim for consequential

loss or for indirect loss of any nature.

Injury means a physical bodily Injury sustained by You as a result of an Accident during the Trip which occurs solely, directly

and independently of any other cause or causes.

Limb means the entire limb between the shoulder and the wrist or between the hip and the ankle.

Loss of or Loss of Use shall mean the Permanent total functional disablement or complete and Permanent physical severance

through or above the wrists or ankle joints.

Loss of Hearing shall mean Permanent irrecoverable loss of hearing where 1/6 of (a+2b+2c+d) is above 80dB:

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a db = Hearing loss at 500 Hertz; and

b db = Hearing loss at 1,000 Hertz; and

c db = Hearing loss at 2,000 Hertz; and

d db = Hearing loss at 4,000 Hertz.

Loss of Sight shall mean the entire and irrecoverable loss of sight.

Loss of Speech shall mean the disability in articulating any three (3) of the four (4) sounds which contribute to the speech such

as the labial sounds, the alveololabial sounds, the palatal sounds and the velar sounds or total Loss of vocal cord or damage of

speech center in the brain resulting in aphasia.

Main Travel Destination(s) means any location, temporary or otherwise, if it is proven to Our satisfaction that a covered event

in one (1) or more of these locations would impact Your Trip to the extent that it needs to be necessarily cancelled or interrupted

as the Policy section provides.

Manual Work means Your active personal participation in work which involves physical labour or manual operation, including

but not limited to:

(a) underground work, mining work, military duties, offshore work, construction work, or outside building or installation work

exceeding three (3) meters in height;

(b) work that involves heavy machinery, explosives or hazardous materials;

(c) work as a diver, life guard, taxi driver, bus driver, or other commercial vehicle or heavy vehicle driver, dispatch rider or

delivery person;

(d) work of a manual nature that involves specialist equipment and training, or work that presents risk of serious injury including

but not limited to oil riggers, fishermen, crane operators or welders.

Medical Expenses means the necessary and reasonable expenses incurred and paid to a Medical Practitioner, Hospital and/or

ambulance Service Provider for medical, surgical, X-ray, Hospital or nursing treatment including the cost of medical supplies

and ambulance hire.

All treatment, including specialist treatment, must be prescribed by a Medical Practitioner in order for expenses to be reimbursed

under this Policy and such reimbursement will not exceed the usual level of charges for similar treatment, medical services or

supplies in the location where the expenses were incurred and paid had this insurance not existed.

In relation to Section B3 – Follow Up Medical Treatment Expenses in home country – Malaysia cover, Medical Expenses shall

also include expenses reasonably and necessarily incurred and paid in relation to medical services provided by a Healthcare

Professional.

All treatments and services including medicines must be customary for the treatment of a condition You have and cannot be

experimental or elective.

Medical Practitioner means a registered and properly qualified medical practitioner licensed under any applicable laws and

acting within the scope of his/her license and training. The attending Medical Practitioner cannot be You, Your Relative, Your

Business Associate, employer, employee or Your Travelling Companion.

Mountaineering means the ascent or descent of a mountain ordinarily necessitating the use of specified equipment including but

not limited to crampons, pickaxes, anchors, bolts, carabineers and lead-rope or top-rope anchoring equipment.

Natural Disaster and Extreme Weather Conditions means a major disruptive travel event due solely to natural causes including

but not limited to typhoon, hurricane, cyclone or tornado, wild-fire, flood (a general and temporary covering of water of two (2) or

more acres of normally dry land), tsunami, volcanic eruption, volcanic ash, earthquake, landslide, mudslide, avalanche, fire, or

blizzard.

Overseas means beyond the territorial limits of Malaysia.

Permanent shall mean lasting twelve (12) consecutive months from the date of an Accident and at the expiry of the twelve (12)

months period being beyond any hope of improvement as certified by a Medical Practitioner.

Permanent Total Disablement means total disablement which continues for twelve (12) consecutive months and at that time is

certified by a Medical Practitioner as being beyond hope of improvement and You are entirely prevented forever from attending

to any duties which would normally be carried out by You in Your daily life. This means Your inability without the assistance of

another person or mechanical device from being able to undertake three (3) or more of the following activities:

(a) dressing and undressing;

(b) washing, bathing and toileting;

(d) general household duties; or

(e) shopping.

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Plan or Plans means the plan(s) that You have selected and is shown on the Policy Schedule and is the cover provided to You

under this Policy.

Plastic Money means money cards including but not limited to travellers card, credit value loaded title deeds or cards, prepaid

debit cards, prepaid gift cards, transportation cards such as credit value in Touch & Go, Octopus and like cards.

Policy means this policy wording, with the Policy Schedule and any other documents We may issue that We advise will form

part of the Policy.

Policy Expiry Date means the Policy end date which is midnight on the date as specified on the Policy Schedule.

Policy Issue Date and Time means the issue date and time of this Policy as specified on the Policy Schedule.

Policyholder means the person who purchased the Policy and as specified in the Policy Schedule.

Policy Period means the period during which the coverage under this Policy is effective, as specified on the Policy Schedule.

Policy Schedule means a document We issue to You after You have purchased Your insurance Policy with Us. It contains the

Policy details showing the Plan, Policy Type, Schedule of Benefits, covered cluster You have selected, Policy Period, Insured

Persons’ details and excess where applicable and any other special terms applicable to You.

Policy Type means individual or family cover option as selected by You and shown on Your Policy Schedule.

Public Place means any place where the public has general access rights and shall include but is not limited to shops, airports

(including airport lounges), train stations, bus stations, streets, hotel foyers and grounds, function, exhibition or conference

centres, restaurants, beaches and public toilets.

Rental Vehicle means a motor vehicle rented or hired by You from a licensed car rental agency for the carriage of non-fare

paying passengers and does not include:

(a) any vehicle designed to be used for the carriage of commercial goods;

(b) any vehicle which is classed as a campervan, motor home or any other vehicle that is used for both accommodation and

transportation purposes;

(c) vehicle that is categorised as a non-passenger carrying motorcar including but not limited to motorcycles, racing cars,

watercraft and aircraft of any type.

Relative means Your Spouse, son and daughter, son-in- law, daughter-in-law, Child, parent, parent-in-law, grandparent,

grandparent-in-law, great-grandparent, grandchild, brother, sister, brother-in-law, sister-in-law, step-parent, stepdaughter,

stepson, step-brother, step-sister, niece, nephew, aunt, uncle or cousin.

Scheduled Departure Time means the time at which Your Covered Transport is scheduled to depart for Your Trip.

Schedule of Benefits means the table of benefits setting out the Plan You have selected.

Serious Illness or Serious Injury means:

(a) in respect of You or Your Travelling Companion a condition which necessitates treatment by a Medical Practitioner

who certifies that as a direct result of this condition You or Your Travelling Companion require urgent medical attention

and are unfit to commence the Trip or continue on with Your original Trip.

(b) in respect of any other person to which this insurance applies, a condition which necessitates such person being

hospitalised and the attending Medical Practitioner certifies that their life is in imminent danger necessitating Your

immediate attendance.

Service Provider means any registered commercial entity to which payment is made in respect of services provided.

Spouse means a person who is legally married to You.

Strike means any organised, willful refusal by any worker or employee to continue working to register a protest, or the action of

any lawfully constituted authority in preventing or attempting to prevent any such act or in minimising the consequences of such

act.

Technology Items means mobile phones including smartphones, digital cameras, photographic, audio, video and electrical

equipment (including cds, dvds, video and audio tapes and electronic games), portable computers, tablets and audio or media

players.

Terrorist means any person who commits, or attempts to commit, a Terrorist Act or who participates in or facilitates the

commission of a Terrorist Act and/or is verified or recognised or designated by any government or authority as a terrorist.

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Terrorist Act means any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption,

or committing of an act dangerous to human life or property, against any individual, property or government, with the stated or

unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are

declared or not. Robberies or other criminal acts, primarily committed for personal gain and acts arising primarily from prior

personal relationships between perpetrator(s) and victim(s) shall not be considered Terrorist Act. Terrorist Act shall also include

any act which is verified or recognised by the (relevant) government as an act of terrorism.

Third Degree Burns means a burn that destroys both the epidermis and dermis. It is also referred to as a full-thickness burn.

Travel Start Date means the date You have scheduled to commence Your Trip to which this insurance applies.

Travelling Companion means the person, who is Your sole Travelling Companion (whom Your Trip depends on),

accompanying You for the entire duration of Your Trip, including departing and returning with You.

Trekking means an overnight hike, tramp, trek or similar activity through mountainous terrain, national parks or reserve lands

normally undertaken on foot but can be by other means including but not limited to on animal or off-road vehicle, and which

involves an overnight stay in the wilderness including campsites, huts or lodges. For purpose of clarity, it does not mean

Mountaineering.

Trip means an Overseas journey or a domestic journey beyond a 50 kilometres radius from Your Home (but always excluding

Daily Commute), for which You are covered under this Policy and in this respect the cover under each Policy section will start

and end as set out below.

For two-way or return Trip:

The cover under each Policy section will start and end as set out below.

1. Section A – Trip Cancellation (Pre-Departure), cover commences at the later of:

(a) Your Policy Issue Date and Time;

(b) the date and time You confirmed the booking for the Trip; or

and ends at the earlier of:

(a) Your Policy Expiry Date;

(b) for Overseas Plans, when You depart Malaysia to commence Your travel; or

travel.

2. Section E2 - Travel Missed Connection, Section F1 - Travel Delay, Section G1 – Loss of Personal Baggage items, Section

G2 – Baggage Delay and Section H - Personal Accident, cover commences at the later of:

(a) for domestic Plans, Your departure from Your Home or workplace in Malaysia, whichever occurs last, to commence

Your Trip;

(b) for Overseas Plans, the later of:

a. Your departure from Your Home or workplace in Malaysia, whichever occurs last, to commence Your Trip; or

b. twenty-four (24) hours prior to Your Scheduled Departure Time from Malaysia provided You are in direct transit

between Your Home and the Overseas departure point in Malaysia; or

and ends at the earlier of:

(a) Your Policy Expiry Date.

(b) the time You arrive at Your Home or workplace in Malaysia, whichever occurs first; or

in Malaysia solely for the purpose of direct transit to Your Home or workplace in Malaysia.

3. In respect of all other Policy sections, cover commences:

(a) for Overseas Plans when You depart from Malaysia; or

(b) for domestic Plans when You are more than 50 kilometres away from Your Home or workplace in Malaysia,

and ends at the earlier of:

(a) Your Policy Expiry Date;

(b) for Overseas Plans when You arrive in Malaysia; or

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For annual multi-Trip Plans the following Trip duration limits also apply:

i. for domestic Trips thirty (30) consecutive days from Your scheduled departure time, and

ii. for Overseas Trips ninety (90) consecutive days from Your Scheduled Departure Time for Overseas.

For one-way Trips:

The cover under each Policy section will start and end as set out below:

1. For Section A - Trip Cancellation (Pre-Departure), cover commences at the later of:

(a) Your Policy Issue Date and Time;

(b) The date and time You confirmed the booking for the Trip; or

and ends at the earlier of:

(a) Your Policy Expiry Date; or

(b) when You arrive at the immigration check- point in Malaysia to commence Your travel.

2. For Sections E2 - Travel Missed Connection, Section F1 - Travel Delay, Section G1 – Loss of Personal Baggage items,

Section G2 – Baggage Delay and Section H - Personal Accident, cover commences at the later of:

(a) Your departure from Your Home or workplace in Malaysia, whichever occurs last, to commence Your Trip;

(b) twenty-four (24) hours prior to Your Scheduled Departure Time from Malaysia provided You are in direct transit

between Your Home and the Overseas departure point in Malaysia; or

and ends at the earlier of:

(a) Your Policy Expiry Date; or

(b) Your arrival at Your first Overseas destination (excluding transit countries where You are confined to the transit area

of the airport).

3. For Section G3 – Fraudulent Use of Credit Card, Section G4 – Loss of Travel Document, Section G5 – Loss of Personal

Money and I – Personal Liability, cover commences when You depart from Malaysia; and ends at the earlier of:

(a) Your Policy Expiry Date; or

(b) Your arrival at Your first Overseas destination (excluding transit countries where You are confined to the transit

area of the airport).

Unattended means, but is not limited to, when an item is not under Your or Your Travelling Companion’s supervision at the

time of loss, left with a person other than Your Travelling Companion or authorised representative of Your accommodation or

transportation provider, left in a position where it can be taken without Your knowledge including on the beach or beside the pool

while You swim or leaving it at a distance where You are unable to prevent it from being unlawfully taken.

War means a hostile contention caused by or between nations or states, or parties in the same nation or state, exercising at least

de facto authority within a given territory and commanding an armed force. It also includes incidents directed or carried out by a

member or members of an armed force in the prosecution of war.

We, Our, Us means AIG Malaysia Insurance Berhad (795492- W).

Valuables means sun glasses, antiques, works of art, jewellery, watches and other personal items of high worth, for example

high value items that are expected to appreciate in value over time.

You, Your, Insured Person(s) means where applicable the Policyholder, and any person insured under the Policy as listed in

the Policy Schedule.

GENERAL EXCLUSIONS

The following General Exclusions apply to all sections of this Policy. In addition to these General Exclusions, please refer to

specific exclusions which apply to certain sections.

We shall not be liable under any section for any Claim arising out of, based upon or attributable to:

1. War

Declared or undeclared War, act of War, civil War, invasion, revolution, rebellion or any similar event.

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2. Suicide or self-harm

(a) Your, Your Travelling Companion or Your Relative’s suicide or self-harm or attempted suicide; or

(b) Your, Your Travelling Companion or Your Relative’s deliberate self-injury or exposure to exceptional danger (unless

in an attempt to save a human life).

3. Business, financial and contractual obligations

(a) any financial circumstances or obligations of Yours or Your Travelling Companion, Business Associate or Relative;

(b) any business or contractual obligations of Yours or Your Travelling Companion, Business Associate or Relative.

4. Nuclear or chemical contamination

(a) nuclear explosion including all effects thereof or radioactive contamination caused by ionising radiation or

contamination by radioactivity from any nuclear fuel or from any nuclear waste caused by the combustion and/or

ongoing combustion of nuclear fuel or the radioactive, toxic, explosive or other hazardous properties of any nuclear

equipment or component thereof; or

(b) the dispersal, application, or release of pathogenic or poisonous biological or chemical materials.

5. Government regulation, intervention and criminal proceedings

(a) You or Your Relative, Business Associate or Travelling Companion acting in violation or contravention of any

government or government authority regulation or prohibition;

(b) in the event that a government authority seizes, withholds, or destroys anything of Yours;

(d) any interference with Your travel plans by a government, government regulation or official authority including but not

limited to travel or transportation restrictions, refusal of a visa or permit to You or to any Relative or Travelling

Companion or restriction of access to any locality; or

(e) any action taken by government or public authority pursuant to any customs or other regulations to secure, destroy,

quarantine or confiscate such property; or in respect of any property which is contraband or which is or has been

illegally transported or traded.

6. Aerial activities

Piloting or crewing of any aircraft, skydiving/parachuting (except tandem skydiving/parachuting when undertaken with a

commercial company), gliding, hang-gliding, para- gliding and any other like airborne activities.

7. Activities exclusions

You participating in:

(a) Extreme Sports and Sporting Activities;

(b) Competition Sports;

or financial rewards of any kind;

(d) racing other than on foot;

(e) Expeditions;

(f) hunting trips and safaris that are not provided by a licensed commercial operator;

(g) off-piste skiing/snowboarding;

(h) white water rafting grade 4 or above;

(i) sailing outside of territorial waters;

(j) scuba diving unless You hold a PADI certification (or similar recognised qualification) or You are diving with a qualified

instructor. In these situations, the maximum depth that We will cover is as specified under Your PADI certification (or

similar recognised qualification) but no deeper than thirty (30) meters and You must not be diving alone; or

(k) motor cycling unless:

(a) the motor cycle is 125cc or less and You or the person in control of the motor cycle holds a current and valid motor

cycle licence for the country the motor cycle is being operated in; or

(b) the motor cycle is 126cc or greater and You or the person in control of the motor cycle holds a current and valid

licence for the motor cycle being used in their home country and also holds a current and valid motor cycle

licence for the country the motorcycle is being operated in; and

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worn.

8. Mountaineering, adventure climbing, high altitude activity and Trekking.

You participating in:

(a) Mountaineering;

(b) outdoor rock climbing or abseiling; or

Exclusion 8(b) and 8(c) above shall not apply to organised harnessed outdoor rock climbing and harnessed abseiling that

are:

(i) available to the general public without restriction, other than general health and fitness warnings;

(ii) provided by a recognised commercial local tour operator or activity provider;

(iii) provided under the guidance and supervision of qualified guides and/or instructors of the tour operator or activity

provider and always subject to You following their advice and/or instruction; and

(iv) below 4,000 meters.

9. Travelling against advice

(a) You are travelling against the advice of a Medical Practitioner; or

(b) Your failure to follow the advice or instruction of Us or ATAM including with respect to any decision including but not

limited to Your return to Your Home country; or

10. Indirect losses

Any Indirect Losses. For example, this Policy does not cover loss of earnings if You cannot work after You have been

injured or the cost of replacement locks if Your keys are stolen.

11. Economic sanctions

This Policy will not cover:

(a) any loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through

Cuba, Iran, Syria, North Korea or the Crimea; or

(b) any loss, injury, damage or legal liability suffered or sustained directly or indirectly by a Terrorist or member of a

Terrorist organisation, narcotics trafficker, or purveyor of nuclear, chemical or biological weapons.

(c) any Claim, loss, injury, damage or legal liability suffered or sustained by residents of Cuba, Iran, Syria, North Korea,

or the Crimea region.

We shall not be deemed to provide cover and We shall not be liable to pay any claim or provide any benefit hereunder to the

extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us, Our parent

company or Our ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the

trade or economic sanctions, laws or regulations of the European Union or the United States of America.

12. Error or omission on booking arrangements

Any error or omission in Your booking arrangements made by You, Your travel agent or any other person acting on Your

behalf.

13. Drugs and alcohol

(a) the use of alcohol or drugs; or

(b) the effects of alcohol or drugs;

unless the drugs have been prescribed and used as directed by a Medical Practitioner.

14. Return to Home

(a) If You do not intend to return Home on completion of Your travel; or

(b) if You are not a resident with full rights to enter and return to Malaysia regardless of Your medical status.

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15. Pregnancy and childbirth

Pregnancy, miscarriage, childbirth, infertility, contraception or operations related to sterilisation or any complication arising

therefrom.

16. Sexually transmitted diseases, mental health and other conditions

(a) Sexually transmitted diseases or infection of any sort including Acquired Immune Deficiency Syndrome (AIDS) and

AIDS related complications (including infections), Human Immunodeficiency Virus (HIV) or any variant, disease or

illness in the presence of HIV and AIDS;

(b) any illness or disorders of a psychological nature including insanity, nervous conditions, depressions, mental illness,

stress, anxiety, psychosis or any psychosomatic condition; or any sleep disorder.

17. Purpose of Trip

If the primary reason of Your trip is to obtain medical treatment, vaccination, medical check-up, care or advice Overseas.

18. Carrier caused delay

Delays, rescheduling or cancellation by a Covered Transport provider unless otherwise expressly covered under this

Policy.

19. Awareness of circumstances

(a) An incident or circumstance of which You were aware of or could reasonably be expected to be aware of at the time

You purchased this Policy or booked Your travel (whichever occurs last) and which could reasonably be expected to

lead to You making a Claim under this Policy;

(b) You not taking precaution to avoid a Claim after there was a warning in the mass media of a Strike, riot, bad weather

or other circumstances; or

20. Financial default

The refusal, failure or inability of any person, company or organisation including any carrier or travel provider to provide

services, facilities or accommodation by reason of their own Financial Default or the Financial Default of any person,

company of organisation with whom or with which they have business dealings.

21. Protection of property and person

(a) You not acting in a responsible way to protect Yourself and Your property or to prevent or reduce Your loss of any

Claim under this Policy; or

(b) You failing to follow the safety guidelines for the activities You undertake or, where applicable, Your failure to use the

appropriate and recommended safety equipment and act under the guidance of supervised instruction.

22. Health condition

Any losses, liability or expenses that are for, related to or as a result of:

(a) an Existing Health Condition. Note, this Exclusion 22(a) does not apply to Section C – Repatriation of Mortal Remains

or Funeral Expenses Overseas.

(b) terminal condition diagnosed before date of departure of the Trip.

23. Loss circumstances not covered

(a) Any consequential loss, economic or otherwise, loss of enjoyment or other loss not mentioned in this Policy; or

(b) any loss, event or liability giving rise to a Claim under this Policy that We are legally prohibited to pay by law.

24. Any Loss or expenses incurred which arises from, in connection with or is contributed by You while You were:

(a) engaging in an Overseas secondment as part of Your occupation; or

(b) a Trip which is made as part of Your Daily Commute.

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25. Any Claim involving You taking part in any:

(a) Manual Work;

(b) missionary work and related travel;

(d) deliberate, malicious, reckless, illegal or criminal act

(e) naval, military or air-force service or operation; or

(f) testing or calibration of any kind of vehicle or equipment.

26. Any Claim directly or indirectly relating to:

(a) an epidemic or pandemic (including, but not limited to, COVID-19 and any mutation, strain, or variation of COVID-19)

declared by a governmental body, official health authority or the World Health Organisation; or

(b) any disease (including any mutation, strain or variation of any such disease) or event declared by the World Health

Organisation as a public health emergency of international concern ((including any mutation, strain or variation of any

such disease); or

POLICY CONDITIONS

1. Compensation

All compensation payable under this Policy shall be payable to You or at Our discretion to the Service Provider directly.

In a scenario where You pass away, any compensation owing to You at the date of Your death will be paid to Your

nominee(s) if any or Your estate.

2. Cancellation and refund

(a) i) Single Trip - Cancellation for single Trip Plan is at Our discretion and shall be deemed cancelled on the cancellation

request date provided that the request date is prior to the commencement of the Trip or period of insurance

whichever is earlier.

We will refund the premium to You that has been paid for the unexpired term provided no Claim has been or will be

submitted by You before or after the Policy Expiry Date. No refund of premium is allowed after the commencement

of Your Trip.

ii) Annual multi-Trip - You may cancel this Policy by giving Us notice in writing. Cancellation for an annual multi-Trip

Plan will take effect from the 1st day of the calendar month following Our receipt of the cancellation notice.

We will refund the premium to You that has been paid for the unexpired term provided no Claim has been or will be

submitted by You before or after the Policy Expiry Date.

(b) We can cancel this Policy or cover in respect of a Trip by giving You thirty (30) days’ notice in writing to Your last

known address. We will refund the premium to You that has been paid for the unexpired term.

3. Fitness for travel

At the time of taking out this insurance, You must be medically fit to travel and You must not be aware of any circumstances

which could lead to cancellation or disruption of a Trip or any other Claim under this Policy.

4. Offset clause

To the extent permitted by law, We will not cover You for any loss, event or liability giving rise to a Claim under this Policy

to the extent that it is claimable and reimbursable under or from any of the following:

(a) another insurance policy;

(b) a medical or health scheme or in accordance with local legislation;

(d) any other source (including but not limited to a hotel, Covered Transport or travel agent or any other provider of travel

and/or accommodation).

We will however pay the difference of what is payable under the other insurance policy, medical or health scheme, act of

government or any other source, and what You would have been entitled to recover under this Policy.

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This offset clause does not apply to the Personal Accident or Daily Hospitalisation Income sections of this Policy.

5. Duplication of cover

If You are covered under more than one (1) voluntary leisure travel insurance policy underwritten by Us for the same Trip,

We will consider You to be insured only under the policy which provides the highest level of cover and We will apply the

benefits payable in accordance with that insurance policy.

6. Automatic extension of cover

If on the last day of the Policy Period and provided You for have purchased cover for Your return Trip (meaning Your

departure from to Your return to Malaysia):

(a) through circumstances outside Your control, including but not limited to You suffering a covered Injury or illness that

prevents You from travelling, unexpected Strike, industrial action, adverse weather conditions, or mechanical

breakdown, equipment failure or structural defect of Covered Transport, You have to extend Your Trip beyond the

period stated in the Policy Schedule We will automatically extend the Policy Period without charge for a maximum

period of ten (10) consecutive days.

(b) You are hospitalised or quarantined Overseas and the reason for such hospitalisation or quarantine is covered by this

Policy, and You are following the directions of the attending Medical Practitioner or in case of quarantine the relevant

government authority, We will automatically extend Your Policy Period without an additional premium charge for the

earlier of thirty (30) consecutive days from the date of expiry of the Policy or forty-eight (48) consecutive hours after

the date of discharge from Hospital or the place of quarantine, unless ATAM has approved an extension beyond the

forty-eight (48) consecutive hours for reasons such as availability of flight or fitness to fly, in which case You must take

the first available flight confirmed by ATAM.

It is a condition of this automatic extension cover that You must make every endeavour to return Home at the first available

opportunity.

If You have purchased one-way cover and Your arrival at Your first Overseas destination on Your outbound Covered

Transport from Malaysia is delayed beyond the Policy Expiry Date because of an unexpected Strike, industrial action,

adverse weather conditions, mechanical breakdown, equipment failure or structural defect of Your Covered Transport, We

will automatically extend the Policy Period for the earlier of three (3) consecutive days or Your arrival at Your first Overseas

destination.

7. Eligibility criteria including age limitation. To be eligible for cover under this Policy, You must be:

(a) the age of thirty (30) days up to eighty-five (85) years for single-Trip Plans; or

(b) the age of eighteen (18) years up to seventy (70) years for annual multi-Trip Plans.; and

(c) You must be either a Malaysian citizen, Malaysian permanent resident, or a holder of a valid work permit or employment

pass (of which Your place of employment must be in Malaysia during the Policy Period), dependent pass, student

pass or long-term social visit pass not including travelling visa (that is issued by the relevant governmental authority in

Malaysia) with full rights to enter into and return to Malaysia regardless of medical status;

(d) You must be returning to Your Home at the end of Your travel, or be intending to return Home on completion of Your

travel; and

(e) Your pre-travel arrangements must be made and paid for in Malaysia and Your Trip must commence in Malaysia.

Please note:

Age is determined based on the age You will be on the Policy Expiry Date.

8. Compliance with Policy provisions

It is a condition precedent to Our liability that the Policyholder must comply with the Policy terms and conditions or any

obligation to act in a certain way specified in this Policy. Failure to comply will invalidate all claims made under this Policy.

9. Length of Trip

(a) Maximum Trip period for an Overseas single-Trip Plan is one hundred and eighty (180) days.

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(b) Maximum Trip period for a domestic single-Trip Plan is thirty (30) days.

(d) Maximum Trip period for any one (1) Trip under an add-on domestic annual multi-Trip Plan is thirty (30) days.

10. Subrogation

In the event of any payment under this Policy, We shall be subrogated to the extent of such payment to all of Your rights of

recovery, contribution and indemnity and You will provide all reasonable assistance to secure these rights and You will do

nothing to prejudice such rights.

11. Settlement of dispute

Any dispute or difference which may arise between You and Us can be referred to Asian International Arbitration Center.

All arbitration proceedings must take place, within six (6) months from the date of disclaimer, failing which We would have

no obligation over the Claim.

12. Governing law

This Policy shall be governed by and interpreted in accordance with Malaysia law.

13. Data privacy

Consent to use personal data: You are deemed to have read, understood and consented to the collection and subsequent

processing of Your personal information by Us (whether obtained during the application process or administration of this

Policy) in accordance with, Our Privacy Notice as from time to time published on Our website at http://www.aig.my/privacy-

notice. If You submit information relating to other individuals, You further represent and warrant that You have the authority

to provide information relating to the other individuals to Us, that You have informed the other individuals about the purposes

for which his/her personal information is collected, used and disclosed as well as the parties to whom such personal

information may be disclosed by Us, and that the other individuals agree and consent that We may collect, use and process

his/her personal information in accordance with Our Privacy Notice.

Consent to Update Payment Details: You are also deemed to have agreed and given consent to Us to the inquiry and

use of Your updated payment details of all the credit cards maintained with the same issuing bank providing Your credit

card facilities.

You reserves the right to obtain access, request correction or withdraw Your consent to the use of any of Your personal

information held by AIG Malaysia. Such request can be made by writing to Us at:

AIG Malaysia Insurance Berhad

Attn: Customer Care Executive

Level 18, Menara Worldwide,

198 Jalan Bukit Bintang,

55100 Kuala Lumpur.

Email : [email protected]

Phone : 1800-88-8811

Fax : 603-21180288

14. Obligation of disclosure

You have a duty to take reasonable care not to make a misrepresentation when purchasing this Policy, to answer all

questions fully and accurately and to disclose any matter that You knows to be relevant to Us in accepting the risks and

determining the rates and terms to be applied otherwise it may result in avoidance of this Policy, refusal or reduction of

claims, change of terms or termination of this Policy. This duty of disclosure shall continue until the time this Policy is

entered into, varied or renewed. You also have a duty to tell Us immediately if at any time after this Policy has been entered

into, varied or renewed with Us, any of the information given when You purchased for this Policy is inaccurate or has

changed.

If You or a person to be covered under this Policy suffers a new medical or dental event or Your general state of health

deteriorates after You have purchased this Policy, but before Your departure for Your Trip, You must contact Us,

otherwise the consequences of Your change in health may not be covered under the Policy once Your Trip commences.

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In such circumstances, We reserve the right to review the cover granted including withdrawing or amending cover previously

approved for the Trip. If We apply new cover restrictions and the new restrictions imposed by Us prevent You from

undertaking the planned Trip, then You will have the right to lodge a Claim under Policy Section A – Trip Cancellation

(Pre- Departure).

15. Fraud, mis-statement or non-disclosure

(a) Your fraud, deliberate mis-statement or non- disclosure of information in connection with the application for

insurance or when making a Claim, will invalidate this Policy.

(b) Any benefit due to You in the event You have committed fraud, deliberate mis-statement or non- disclosure, shall

be forfeited and any benefit that has previously been paid to You, must be repaid to Us in full.

mis-statement or non- disclosure.

16. Assignment

This Policy and any rights under or in respect of it cannot be assigned without Our prior written consent.

17. Interest

No interest shall be payable by Us in respect of any payment made under this Policy unless required by law.

18. Loss mitigation

You must take all reasonable steps to avoid or reduce any loss or the occurrence of any circumstance which may lead to

a Claim under this Policy.

19. Payment of premium

We shall have the right to cancel this Policy in event of non-payment of the premium.

20. Method of premium payment

Premium payment may be made through charging to Your credit card, transfer, debit card or other payment method

provided by Us.

21. Admitted premium payment date

The date and time in which the payment of premium is recorded in Our bank account.

22. Termination of insurance

The entire Policy shall automatically terminate on the earliest of the following dates:

(i) the Policy Issue Date, if any premium due on this Policy remains unpaid prior to the Policy Issue Date;

(ii) after the full amount of the lump sum benefit has been paid under Section A – Trip Cancellation (Pre- Departure) or

Section H – Personal Accident;

(iii) on cancellation of Your Policy as follows:

(a) single Trip - the cancellation request date provided that the request date is prior to the commencement of the

trip or period of insurance whichever is earlier and no Claim has been or will be submitted by You before or

after the Policy Expiry Date;

(b) annual multi-Trip - from the 1st day of the calendar month following Our receipt of the cancellation notice

provided no Claim has been or will be submitted by You before or after the Policy Expiry Date;

(iv) thirty (30) days from the date of written notice of cancellation from Us to You at Your last known address;

(v) the discovery of fraud, misleading or bad faith conducted by or from You prior to the issuance of the Policy; and

(vi) any provision of this Policy becomes null and void because it violates the regulations in Malaysia which is declared

during the validity of this Policy.

In the event of Policy cancellation, refund of premium will be made by Us proportionally after deduction(s) of

commission(s) or fee(s) paid by Us to any third party provided no Claim has been or will be submitted by You before or

after the Policy Expiry Date.

Termination of this Policy shall be without prejudice to any Claim arising prior to such termination.

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23. Prevailing Language

The text of this Policy shall be in English and Bahasa Malaysia, and in the event of different interpretation between the

texts, the English text will prevail.

24. Currency

In case of payment of any Claim of this insurance Policy is made in a currency other than Malaysian Ringgit, such payment

shall use the exchange rate equivalent to the rate published by Bank Negara Malaysia at the time of the payment.

25. Service Tax (“ST”): The amount of premium payable by You for this Policy includes an amount on account of the ST

payable by You. ST refers to any service tax, value added tax, goods and services tax, consumption tax, or tax, duty,

charge or imposition of a similar nature whatsoever by whatever name known, which may from time to time be imposed

or charged (including any increases or decreases to the rate) by any competent tax authority.

26. Residence exclusion: This policy offers coverage only to individuals ordinarily resident in Malaysia and is null and void as

to non-residents of Malaysia.

After Your travel

HOW TO MAKE A CLAIM

Depending on the nature of the Claim, the following evidence may be required. Note, We may require other evidence to support

Your Claim dependent upon the circumstances, in which case We will contact You.

• loss or theft – police report

• loss, theft, damage by an airline – property irregularity report, flight tickets and baggage check tags

• delay by airline – written confirmation of the length of delay from the airline, reason of the delay, flight tickets/boarding

pass, baggage check tags, receipts for the hire of business equipment

• proof of value and ownership

• proof of travel (confirmation invoice, travel tickets)

• invoices and receipts for Your Business Associates expenses

• an official letter from the treating Medical Practitioner to confirm Your inability to take part in the planned business

meeting

Note, if You wish to make a Claim for follow up treatment – in Home country under Section B3, the covered treatments and

services must be provided within thirty (30) consecutive days of Your return date to Malaysia.

CONDITIONS APPLICABLE TO CLAIMS

Examination and medical records

We shall have the right and opportunity to conduct the following on You at Our own expense:

(a) any medical examination(s);

(b) an autopsy, in the case of death, where permissible at law.

You agree to provide Us with Your permission for Us to obtain any medical reports or records that We require from any Medical

Practitioner.

Notice of Claim

Claims documents must be submitted to Our office as soon as practicable but no later than ninety (90) days from the date of the

incident happening. If Policyholder cannot complete claim documents within this ninety (90) days’ time due to reasonable cause,

the documents must be submitted no later than one (1) year from the date of incident happening.

All notifications relating to Claims or circumstances must be writing by email to [email protected].

--------- End of Policy Wording ----------

American International Group, Inc. (AIG) is a leading global insurance organization. AIG member companies provide a wide range of

property casualty insurance, life insurance, retirement solutions, and other financial services to customers in approximately 80 countries

and jurisdictions. These diverse offerings include products and services that help businesses and individuals protect their assets,

manage risks and provide for retirement security. AIG common stock is listed on the New York Stock Exchange.

Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIGinsurance

www.twitter.com/AIGinsurance | LinkedIn: www.linkedin.com/company/aig. These references with additional information about AIG

have been provided as a convenience, and the information contained on such websites is not incorporated by reference herein.

AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American

International Group, Inc. For additional information, please visit our website at www.aig.com. All products and services are written or

provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries and

jurisdictions, and coverage is subject to underwriting requirements and actual policy language. Non-insurance products and services

may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus

lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.

DISCLOSURE

POLICY STATEMENT

KETERANGAN

KENYATAAN POLISI

Under the prudential framework of Corporate Governance, the following avenues have been set up to handle customer grievances:

Di bawah rangka kewaspadaan Kawalan Korporat, cara-cara berikut telah disediakan kepada sesiapa yang ingin membuat aduan: -

The Customer Care Officer of AIG Malaysia Insurance Berhad (795492-W) ("Company”) at tel: 1800 88 8811 or fax: 603 2685 4896 or via e-mail to

AIGMYCare@aig com. At branch level, complaints can be received by the respective Branch Managers who will direct it to the Customer Care Officer.

Pegawai Khidmat Pelanggan AIG Malaysia lnsurance Berhad (795492-W) (“Syarikat") di tel: 1800 88 8811 atau faks: 603 2685 4896 atau e-mel pada

AIGMYCare@aig.com. Bagi bahagian cawangan, segala aduan boleh ditujukan kepada Pengurus Cawangan yang akan memanjangkan kepada Pegawai

Khidmat Pelanggan.

Ombudsman for Financial Services (OFS) at tel: 03-2272 2811 or fax: 03-2272 1577

Any policyholder who is not satisfied with the decision of an insurance company may write to the OFS, giving details of the dispute, the name of the insurance

company and the policy number. Copies of the correspondence between the policyholder and the insurance company must be submitted to facilitate OFS's

reference.

Ombudsman Perkhidmatan Kewangan (OPK) di tel: 03-2272 2811 atau faks: 03-22721577

Pemegang polisi yang tidak berpuas hati dengan keputusan sesebuah syarikat insurans boleh menulis surat aduan kepada OPK dengan butir -butir pertikaian,

nama syarikat insurans dan nombor polisi. Salinan surat antara pemegang polisi dan pihak syarikat insurans perlu diserahkan kepada OPK untuk rujukan.

An award of the OFS is binding on the Company. The policyholder can choose to accept or not. Acceptance is acknowledged only if it is in writing within 14

days of the decision. The Company shall settle the award within 30 days of policyholder's acceptance. But if the policyholder is not satisfied, he can reject the

OFS's decision and pursue an alternative legal recourse instead. There is no fee charged for services of the OFS.

Pihak Syarikat adalah terikat kepada keputusan OPK. Pemegang polisi boleh memilih sama ada bersetuju atau tidak. Persetujuan hanya diterima secara

bertulis dalam tempoh 14 harl. Pihak Syarikat akan menyelesaikan tuntutan dalam tempoh 30 hari dari persetujuan pemegang pollsi. Sekiranya pemegang

polisi tldak berpuas hati dengan keputusan OPK, beliau boleh memilih untuk mengambil tindakan alternatif undang-undang. Tidak ada yuran bayaran yang

dicaj untuk perkhidmatan OPK.

The address is / Alamat ialah: - Ombudsman Perkhidmatan Kewangan

Tingkat 14, Blok Utama

Dataran Kewangan Darul Takaful

No 4 Jalan Sultan Sulaiman

50000 Kuala Lumpur

Laman Informasi Nasihat dan Khidmat of Bank Negara Malaysia (BNM) at tel: 1-300-88-5465 (1300-88-LINK) or fax: 03-2174 1515.

Any policyholder who is not satisfied with the conduct of an insurance company may write to the Corporate Communication Department of BNM, giving details

of the complaint, the name of the insurance company and the policy number or the claim number. Documentary support should be provided to facilitate

reference.

Laman lnformasi Nasihat dan Khidmat di Bank Negara Malaysia (BNM) di tel: 1-300-88-5465 (1300-88-LINK) atau faks: 03-2174 1515.

Pemunya polisi yang tidak berpuas hati dengan bimbingan pihak syarikat insurans boleh membuat aduan kepada Jabatan Komunikasi Korporat di BNM

dengan butir-butir pertikaian, nama pihak syarlkat insurans dan nombor polisi atau nombor tuntutan. Dokumen sokongan perlu diserahkan untuk rujukan.

The address is / Alamat ialah: · Pengarah

Laman lnformasi Nasihat dan Khidmat (LINK)

Tingkat Bawah, Blok C

Bank Negara Malaysia

Peti Surat 10922

50929 Kuala Lumpur

By virtue of the Financing Anti-Money Laundering, Anti-Terrorism Act and Proceeds of Unlawful Activities Act 2001, any 'Suspicious Transaction' as classified by

the law is required to be reported to the Competent Authority at Bank Negara Malaysia.

Bersandarkan Akta Pencegahan Pengubahan Wang Haram, Pencegahan Pembiayaan Keganasan dan Hasil daripada Aktiviti Haram 2001, sebarang 'Transaksi

yang Mencurigakan’ seperti yang termaktub di bawah undang-undang hendaklah dilaporkan kepada pihak berkuasa yang berkenaan di Bank Negara Malaysia.

For all intents and purposes where there is a conflict or ambiguity as to the meaning in the English provisions or the Bahasa Malaysia provisions of any part of the

contract, it is hereby agreed that the English version of the contract prevails.

Boleh dikatakan di mana terdapat konflik atau kekaburan berkenaan makna dalam peruntukan Bahasa Inggeris atau peruntukan Bahasa Malaysia tentang

mana·mana bahagian kontrak, adalah dipersetujui bahawa versi kontrak Bahasa Inggeris akan mengatasi dan diikuti.

PERSONAL DATA CONSENT: You are deemed to have read, understood, and consented to the collection and subsequent processing of your personal information

by AIG Malaysia (whether obtained during the application process or administration of this policy) in accordance with AIG Malaysia's Privacy Notice as from time

to time published on AIG Malaysia's website at http://www.aig.my/privacy-notice. If you submit information relating to other individuals, you are further deemed to

represent and warrant that you have the authority to provide information relating to the other individuals to AIG Malaysia, that you have informed the other individuals

about the purposes for which his/her personal information is collected, used and disclosed as well as the parties to whom such personal information may be disclosed

by AIG Malaysia, and that the other individuals agree and consent that AIG Malaysia may collect, use and process his/her personal information in accordance with

AIG Malaysia's Privacy Notice. Requests to obtain access, correct, or withdraw your consent to the use of your personal information can be made by mail: Customer

Care, AIG Malaysia Insurance Berhad, Menara Worldwide 198,Jalan Bukit Bintang, 55100 Kuala Lumpur, phone: 1800 88 8811, fax: 603 2685 4896 or email:

AIGMYCare@aig.com.

KESETUJUAN DATA PERIBADI:

Anda adalah dianggap telah membaca, memahami dan bersetuju dengan pengumpulan dan pemprosesan seterusnya

maklumat peribadi anda oleh AIG Malaysia (sama ada yang diperolehi semasa proses permohonan atau pentadbiran polisi ini)mengikut Notis Privasi AIG

Malaysia seperti yang diterbitkan dari semasa ke semasa pada laman web AIG Malaysia di http://www.aig.my/privacy-notice. Jika anda mengemukakan

maklumat berkaitan individu lain, anda juga dianggap untuk mewakili dan menjamin bahawa anda mempunyai kuasa untuk mengemukakan maklumat yang

berhubungan dengan individu lain kepada AIG Malaysia, bahawa anda telah memaklumkan kepada individu lain mengenai tujuan maklumat peribadinya

boleh dikumpul, digunakan dan didedahkan serta pihak maklumat peribadinya boleh didedahkan oleh AIG Malaysia, dan bahawa individu lain bersetuju

dan membenarkan AIG Malaysia mengumpul, menggunakan dan memproses maklumat peribadinya mengikut Notis Privasi AIG Malaysia. Permohonan

untuk akses, pembetulan atau menarik balik persetujuan untuk kegunaan maklumat peribadi anda boleh dibuat secara surat: Customer Care, AIG Malaysia

Insurance Berhad, Menara Worldwide 198, Jalan Bukit Bintang, 55100 Kuala Lumpur, telefon: 1800 88 8811, faks: 603 2685 4896 atau e-mel:

AIGMYCare@aig

.com.

CONS-V8/Sep 2016

IMPORTANT NOTICE

Please take note that a Product Disclosure Sheet is attached to your policy contract:

The Product Disclosure Sheet contains a summary of the product features. If you have any queries or are unsure of any of the policy terms or conditions, kindly call

our Customer Service at 1800 88 8811(Monday - Friday, 9am- 5pm).

NOTIS PENTING

Sila ambil perhatian bahawa sesalinan Helaian Pendedahan Produk adalah dilampirkan dengan kontrak polisi anda:

Helaian Pendedahan Produk mengandungi ringkasan ciri-ciri produk. Jika anda ada sebarang pertanyaan atau tidak pasti mengenai apa jua terma–terma atau syarat–

syarat polisi, sila hubungi Talian Perkhidmatan

Pelanggan kami di

1800 88 8811

(lsnin - Jumaat, 9pagi - 5petang).

AIG Malaysia Insurance Berhad (795492-W)

Menara Worldwide,

198, Jalan Bukit Bintang,

55100 Kuala Lumpur.

Telephone: 1800 88 8811

Facsimile: 603 2685 4896