Travel Easy Policy Wording

Welcome to Tune Protect Travel Easy (Tune Travel Insurance Plan)

Thank you for insuring with Tune Protect Travel Easy. You can feel confident you’ve made the right choice. Tune Protect Travel Easy is provided by Tune Insurance Malaysia Berhad, one of Malaysia’s leading insurance providers, so you can relax knowing you’re with a company you can rely on.

Your Schedule
Any endorsements, which change your insurance cover as shown on your Schedule
The Certificate of Tune Protect Travel Easy.

Please read all these documents carefully and keep them safe.

If you need to make a claim, or contact us to tell us about any changes, then you will need to refer to these documents. The Documents will be available for you to see and print at www.tuneprotect.com

Important Notice

Please be informed that Service Tax will be implemented by the Government of Malaysia with effect from 1 September 2018 at a rate of six (6) per centum.

The Company reserves the right to collect from you an amount equivalent to the Service Tax payable on the applicable premium for the policy period, or in the event that the policy period commences before but expires after 1 September 2018, to collect from you an amount equivalent to the Service Tax payable on the applicable premium calculated from 1 September 2018 on a pro-rated basis.

Your obligation to pay Service Tax shall form part of the Terms and Conditions in your insurance policy.

The laws governing Service Tax are as per the Service Tax Act, 2018 and all Regulations passed by the Government of Malaysia from time to time.

TABLE OF BENEFITS: WORLDWIDE TRAVEL

	Summary of benefits	Worldwide Sum Insured (MYR)
	Summary of benefits	Individual Plan	Family Plan
1	PERSONAL ACCIDENT BENEFIT
	Accidental Death or Permanent Disablement Insured Person / Spouse	300,000 (Age 18 to 65)	300,000 (Age 18 to 65)
		150,000 (Age 66 to 75)	150,000 (Age 66 to 75)
	CHILD (30 DAYS TO 21 YEARS)	-	62,500
	Maximum per family	-	900,000
2	TRAVEL INCONVENIENCES
(a)	TRIP CANCELLATION Reimbursement for loss of irrecoverable deposits or charges paid in advance	20,000	60,000
(b)	TRIP CURTAILMENT Reimbursement for unused and non-refundable expenses	18,000	54,000
(c)	BAGGAGE & PERSONAL EFFECTS
	i) LOSS / DAMAGE TO BAGGAGE & PERSONAL EFFECTS Pays for theft or damage to the baggage including items worn or carried Max limit per item is MYR 500 Max limit for laptop / Golf Equipment MYR 1,000 Applicable for Worldwide Plan ONLY	5,000 (Excess 50 per insured)	15,000 (Excess 50 per insured)
	ii) BAGGAGE DELAY Pays if your checked -in baggage is delayed, misdirected or temporarily misplaced by airline upon arrival at your destination abroad	Up to 1,000 (200 every 6 consecutive hours of delay)	Up to 3,000 (200 every 6 consecutive hours of delay)
(d)	BAGGAGE DAMAGE BY COMMON CARRIER Pays if your checked in bag is lost or damaged due to the negligence of the common carrier	Up to 250	Up to 500
(e)	LOSS OF PERSONAL MONEY Pays for loss of money due to theft	1,000	1,000
(f)	i) LOSS OF TRAVEL DOCUMENT Pays for reasonable and necessary expenses incurred for replacement of passport / visa, communication and accommodation	5,000	5,000
	ii) LOSS OF CREDIT CARD	5,000	5,000
(g)	TRAVEL DELAY Pays if the scheduled flight is delayed for more than 6 consecutive hours	3,000 (200 every first 3 consecutive hours of delay); (200 every 6 consecutive hours of delay)	9,000 (200 every first 3 consecutive hours of delay); (200 every 6 consecutive hours of delay)
(h)	MISSED DEPARTURE Reimbursement for expenses necessarily and reasonably incurred if you miss the confirmed scheduled flight due to disruption of the public transport service which you had taken to arrive at the departure port, airport or train station	500	1,500
(i)	TRAVEL MISCONNECTION Pays if you miss the onward connecting schedule flight at transfer point and no alternative transportation is made available to you within 6 hours	400	1,200
3	MEDICAL BENEFITS (ACCIDENTAL & *SICKNESS)	* Applicable for Worldwide Plan ONLY
(a)	MEDICAL EXPENSES REIMBURSEMENT Reimbursement of medical, hospital and treatment expenses (including the cost of emergency dental treatment)	300,000 (age 18 to 65)	300,000 (age 30 days to 65 years)
		150,000 (age 66 to 75)	150,000 (age 66 to 75)
			900,000 (overall family limit)
		(excess 200 for mountain sickness claim) (excess 50 for others)
	FOLLOW UP TREATMENT IN MALAYSIA (MAXIMUM OF 30 DAYS) Reimbursement of follow up treatment in Malaysia	50,000 (age 18 to 65)	50,000 (age 30 days to 65 years
		25,000 (age 66 to 75)	25,000 (age 66 to 75)
			150,000 (overall family limit)
	ALTERNATIVE MEDICINE Reimbursement of medical expenses by a registered traditional medicine practitioner, osteopath, physiotherapist and or chiropractor	1,000	3,000 (overall family limit)
(b)	EMERGENCY MEDICAL EVACUATION
	i) EMERGENCY MEDICAL EVACUATION Emergency transportation and medical care to the nearest medical facility	500,000	1,500,000
	ii) EMERGENCY MEDICAL REPATRIATION In the event the Insured is hospitalised abroad and is medically necessary to be repatriated back to Malaysia to continue treatment, we will pay for reasonable transportation cost of one qualified medical attendant.	500,000	1,500,000
	iii) MORTAL REMAINS REPATRIATION Pays for the cost of repatriation of mortal remains to Malaysia including the cost of burial, embalming, casket and ceremonies if it is mandated by legislation.	500,000	1,500,000
(c)	COMPASSIONATE VISIT DUE TO HOSPITALISATION OF INSURED PERSON Pays for reasonable air fare and hotel accommodation for an immediate family member to accompany Insured in the event of hospitalization for more than 5 days abroad.	5,000	5,000
(d)	COMPASSIONATE VISIT DUE TO INSURED PERSON'S DEATH In the event of the Insured's death overseas, Pays for reimbursement for one person's accommodation, communication, travel and meals to assist on the repatriation and burial or cremation	5,000	5,000
(e)	CHILD CARE BENEFIT Pays for additional expenses to accompany your child / children back to Malaysia if the child suffers from sickness or illness abroad	5,000	5,000
(f)	HOSPITAL ALLOWANCE (UP TO MAXIMUM OF 30 FULL DAYS) Pays for each complete day if you are confined in the hospital for more than 24 hours	10,500	31,500
4	PERSONAL LIABILITY
	Indemnifies you for legal liability arising from accidental bodily injury or accidental property damage to third party	1,000,000	1,000,000
5	HOME CARE BENEFITS
	THEFT OF PROPERTY DURING TRIP Pays for physical loss or damage to your home contents in Malaysia as a result of theft while you are travelling.	3,000	3,000
6	TRAVEL ASSISTANCE SERVICES
	24/7 TRAVEL ASSISTANCE Enquire on visa requirement, medical advice, inoculation requirements that may be needed prior to your travel	INCLUDED	INCLUDED

TABLE OF BENEFITS: DOMESTIC TRAVEL

	Summary of benefits	Domestic Sum Insured (MYR)
	Summary of benefits	Individual Plan	Family Plan
1	PERSONAL ACCIDENT BENEFIT
	Accidental Death or Permanent Disablement Insured Person / Spouse	150,000 (Age 18 to 65)	150,000 (Age 18 to 65)
		75,000 (Age 66 to 75)	75,000 (Age 66 to 75)
	CHILD (30 DAYS TO 21 YEARS)	-	25,000
	Maximum per family	-	450,000
2	TRAVEL INCONVENIENCES
(a)	TRIP CANCELLATION Reimbursement for loss of irrecoverable deposits or charges paid in advance	5,000	15,000
(b)	TRIP CURTAILMENT Reimbursement for unused and non-refundable expenses	5,000	15,000
(c)	BAGGAGE & PERSONAL EFFECTS
	i) LOSS / DAMAGE TO BAGGAGE & PERSONAL EFFECTS Pays for theft or damage to the baggage including items worn or carried Max limit per item is MYR 500 Max limit for laptop / Golf Equipment MYR 1,000 Applicable for Worldwide Plan ONLY	1,000 (Excess 50 per insured)	3,000 (Excess 50 per insured)
	ii) BAGGAGE DELAY Pays if your checked -in baggage is delayed, misdirected or temporarily misplaced by airline upon arrival at your destination abroad	Up to 200 (50 every 6 consecutive hours of delay)	Up to 600 (50 every 6 consecutive hours of delay)
(d)	BAGGAGE DAMAGE BY COMMON CARRIER Pays if your checked in bag is lost or damaged due to the negligence of the common carrier	Up to 150	Up to 450
(e)	LOSS OF PERSONAL MONEY Pays for loss of money due to theft	N/A	N/A
(f)	i) LOSS OF TRAVEL DOCUMENT Pays for reasonable and necessary expenses incurred for replacement of passport / visa, communication and accomodation	N/A	N/A
	ii) LOSS OF CREDIT CARD	N/A	N/A
(g)	TRAVEL DELAY Pays if the scheduled flight is delayed for more than 6 consecutive hours	600 (200 every first 3 consecutive hours of delay); (200 every 6 consecutive hours of delay)	1,800 (200 every first 3 consecutive hours of delay); (200 every 6 consecutive hours of delay)
(h)	MISSED DEPARTURE Reimbursement for expenses necessarily and reasonably incurred if you miss the confirmed scheduled flight due to disruption of the public transport service which you had taken to arrive at the departure port, airport or train station	300	900
(i)	TRAVEL MISCONNECTION Pays if you miss the onward connecting schedule flight at transfer point and no alternative transportation is made available to you within 6 hours	200	600
3	MEDICAL BENEFITS (ACCIDENTAL & *SICKNESS)	* Applicable for Worldwide Plan ONLY
(a)	MEDICAL EXPENSES REIMBURSEMENT Reimbursement of medical, hospital and treatment expenses (including the cost of emergency dental treatment)	25,000 (age 18 to 65)	25,000 (age 30 days to 65 years)
		12,500 (age 66 to 75)	12,500 (age 66 to 75)
			75,000 (overall family limit)
		(excess 50 per insured person)
	FOLLOW UP TREATMENT IN MALAYSIA (MAXIMUM OF 30 DAYS) Reimbursement of follow up treatment in Malaysia	3,000	9,000
	ALTERNATIVE MEDICINE Reimbursement of medical expenses by a registered traditional medicine practitioner, osteopath, physiotherapist and or chiropractor	250	750 (overall family limit)
(b)	EMERGENCY MEDICAL EVACUATION
	i) EMERGENCY MEDICAL EVACUATION Emergency transportation and medical care to the nearest medical facility	100,000	150,000
	ii) EMERGENCY MEDICAL REPATRIATION In the event the Insured is hospitalised abroad and is medically necessary to be repatriated back to Malaysia to continue treatment, we will pay for reasonable transportation cost of one qualified medical attendant.	100,000	150,000
	iii) MORTAL REMAINS REPATRIATION Pays for the cost of repatriation of mortal remains to Malaysia including the cost of burial, embalming, casket and ceremonies if it is mandated by legislation.	100,000	150,000
(c)	COMPASSIONATE VISIT DUE TO HOSPITALISATION OF INSURED PERSON Pays for reasonable air fare and hotel accommodation for an immediate family member to accompany Insured in the event of hospitalization for more than 5 days abroad.	1,000	1,000
(d)	COMPASSIONATE VISIT DUE TO INSURED PERSON'S DEATH In the event of the Insured's death overseas, Pays for reimbursement for one person's accommodation, communication, travel and meals to assist on the repatriation and burial or cremation	1,000	1,000
(e)	CHILD CARE BENEFIT Pays for additional expenses to accompany your child / children back to Malaysia if the child suffers from sickness or illness abroad	N/A	N/A
(f)	HOSPITAL ALLOWANCE (UP TO MAXIMUM OF 30 FULL DAYS) Pays for each complete day if you are confined in the hospital for more than 24 hours	900 (30 per full day)	2,700 (30 per full day)
4	PERSONAL LIABILITY
	Indemnifies you for legal liability arising from accidental bodily injury or accidental property damage to third party	200,000	200,000
5	HOME CARE BENEFITS
	THEFT OF PROPERTY DURING TRIP Pays for physical loss or damage to your home contents in Malaysia as a result of theft while you are travelling.	N/A	N/A
6	TRAVEL ASSISTANCE SERVICES
	24/7 TRAVEL ASSISTANCE Enquire on visa requirement, medical advice, inoculation requirements that may be needed prior to your travel	INCLUDED	INCLUDED

Tune Protect Travel Easy (SINGLE COVER / ANNUAL COVER)

Whereas the Insured Person has applied for the insurance hereinafter contained and has paid the Premium as consideration for such insurance and a copy of Tune Protect Travel Easy Certificate of Insurance has been issued, Tune Insurance Malaysia Berhad (hereinafter referred to as the“Company”) agree to insure individuals (hereinafter referred to as the “Insured Person”) who has purchased the Tune Protect Travel Easy Travel Insurance, (hereinafter referred to as “Tune Protect Travel Easy”) against loss covered as set out herein and subject always to the exclusions, provisions and terms contained in the Policy.

Policy Definitions

The following definitions will apply when used anywhere within this Policy

“Accident”	Shall mean an event occurring entirely beyond control and caused by violent, external and visible means which causes Bodily Injury that leads to either Death or Permanent
“Air Ticket” (also known as seats purchased under e-ticketing system)	Shall mean any Air Ticket(s) arranged for a particular journey of the Insured Person issued by a licensed commercial aircraft. Such journey must originate from Malaysia. Operationally, an electronic acknowledgement response is generated upon an internet purchase which is titled “Itinerary”. The Itinerary is recognized as Air Ticket.
“Annual cover Protection Plan”	Refers to a Policy for multiple Trips over the period of insurance up to: (a) Leisure travel up to 30 days (b) Business travel up to 90 days From the Time of departure to the date of return to Malaysia.
“Bodily injury”	Shall mean injury suffered by the Insured anywhere in the world caused solely and directly by violent accidental external and visible means and shall exclude bodily injury caused by Sickness, disease or medical disorder.
“Carrier Operator”	Shall mean the entity that transports the Insured Person and their baggage in the course of the journey by land, water or air conveyance which operates under a license for the transportation of passengers.
“Certificate of Insurance”	Refers to the confirmation of insurance travel protection which is electronically generated upon the online purchase of the Tune Protect Travel Easy Travel (Single Trip / Annual Cover)
“Civil War”	Means armed opposition between two or more parties belonging to the same country where the opposing parties are of different ethnic, religious or ideological groups. This definition includes armed rebellion, revolution, sedition, insurrection, coup d’etat, and the consequences of martial law.
“Child/Children”	Means unemployed and unmarried Child/Children aged between 30 Days and 21 years old (Both ages inclusive)
“Common Carrier”	Means any land, water or air conveyance, operated under a license for the regular transportation of fare-paying passengers, and any fixed- wing aircraft provided and operated by a properly licensed commercial airline company for the regular transportation of fare-paying passengers operating over fixed scheduled flying routes between established licensed commercial airports, which is either arranged or booked for the Insured Person to travel during the Trip.
“Country of Arrival”	Refers to country where the Insured Person’s scheduled flight is destined to arrive in.
“Curtailment”	Shall mean abandonment by return to place of residence in Malaysia of the planned Trip after arrival at the booked destination as shown on the booking invoice.
“Domestic Cover”	Means travel within Malaysia (including East to West Malaysia and vice versa)
“Epidemic”	Means a sudden severe outbreak of disease that spreads rapidly and affects, within a very short period, an inordinately large number of people within a geographical region. For example, SARS / Swine Flu (H1N1) / Bird Flu.
“Extreme Sports and Activities”	Shall mean any sport or sporting activity that presents a high level of inherent danger (i.e. involves a high level of expertise, exceptional physical exertion, highly specialized gear or stunts) including but not limited to big wave surfing, canoeing down rapids, cliff jumping, horse jumping, ultra marathons and stunt riding. It does not mean usual tourists 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 recognized local tour operator but always providing that the Insured Person is acting under the guidance and supervision of qualified guides and/or instructors of the tour operator when carrying out such tourist activities.
“Family”	Means your legal spouse and Child / Children insured under the same Certificate of Insurance
“First Departure Date”	Means departure date from Malaysia as shown on the Insured Person’s travel itinerary
“Foreign War”	Means armed opposition, whether declared or not, between two countries
“Hospital”	Means except as may otherwise be provided, a Hospital (other than an institution for the aged, chronically ill or convalescent, resting or nursing Homes) operated pursuant to law for the care treatment of sick or injured persons with organized facilities for diagnosis and surgery and having 24-Hour nursing service and medical supervision and means a place that : (i) Holds a valid license (As required by law); (ii) Operates primarily for the care and treatment of sick or injured persons ; (iii) Has a staff of one or more Physicians available at all Times ; (iv) Provides 24 hour nursing services and at least one registered professional nurse on duty at all Times; has organized diagnostic and surgical facilities whether on premises or in facilities available to the Hospital on a pre-arranged basis.
“Home”	Means the Insured Person(s) usual place of residence in Malaysia
“Home Contents”	Means household furniture, fixtures, fittings and furnishings, clothing and personal effects belonging to the Insured Person or to members of his/her Family or domestic servants permanently residing with him/her excluding antiques,artifacts, paintings, objects of art or intrinsic value, manuscripts, financial securities of any kind, money, stamps, travel document, credit cards, bonds, coupons, negotiable instruments, title deeds, driving license and identity cards.
“Immediate Family Member”	Means an Insured Person’s:- (i) Legal Spouse; (ii) Legal, Adoptive And/ Or Biological Children; (iii) Children-In Law; (iv) Siblings; (v) Parents; (vi) Parents-In-Law; (vii) Grandparents; Who resides in Malaysia.
“Insured Travel Easy Guest”	Refers to the covered guest who has been issued with an Tune Protect Travel Easy Insurance Certificate of Insurance after submission of an on-line proposal for coverage under the Master Policy arrangements for Tune Protect Travel Easy, and has purchased The insurance
“Insured Person”	Means an Insured Tune Protect Travel Easy Guest who has been issued with a Tune Protect Travel Easy Travel Insurance Certificate of Insurance for that scheduled flight(s).
“Worldwide Cover”	Travel outside of Malaysia to:- Asia Pacific Area 1: Australia, Bangladesh, Bhutan, Brunei, Cambodia, China Hong Kong , India, Indonesia, Japan, South Korea, Kazakhstan, Krygzstan, Laos, Macau, Maldives, Myanmar, Mongolia, Nepal, New Zealand, Pakistan, Philippines, Sikkim, Singapore, Sri Lanka, Taiwan, Timor Leste, Thailand, Tibet, Uzbekistan, Vietnam Worldwide Area 2: Excluding USA, Canada, Afghanistan, Belarus, Cuba, Democratic Republic of Congo,Iran, Iraq, North Korea, Russian Federation(inc Crimea), Somalia, Sudan, Syria and Zimbabwe Worldwide Area 3: Excluding Afghanistan, Belarus, Cuba, Democratic Republic of Congo, Iran, Iraq, North Korea, Russian Federation(inc Crimea), Somalia, Sudan, Syria and Zimbabwe
“Mountain Sickness”	Also known as acute Mountain Sickness (AMS), Altitude Illness, hypobaropathy or soroche, is a physiological change and pathological effect of high altitude on humans, caused by acute exposure to low partial pressure of oxygen at high altitude.
“Pandemic”	Means an outbreak of infectious disease, which meets the following criteria set by World Health Organization (WHO), that spreads through population across a large region or international. Emergence of a disease new to a population. Agents infect humans, causing Serious illness Agents spread easily and sustainably among humans.
“Physician”	Means a doctor of medicine or a doctor of osteopathy licensed to render medical services or perform surgery in accordance with the laws of the jurisdiction where such professional services are performed. Furthermore, the consulting Physician cannot be the Insured Person, the Insured Person’s spouse, a person booked to accompany the Insured Person on the flight, or an Immediate Family Member of the Insured Person.
“Pre-Existing Condition”	Means any Sickness , disease or other abnormal medical condition of the Insured Person or an Immediate Family Member of the Insured Person which in the 120 days period preceding the effective date as stated in the policy schedule or Certificate of Insurance:- (a) First manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment; or (b) Is under treatment by a Physician or where treatment has already been recommended by a Physician. (c) Required the taking of prescribed drugs or medicine.
“Reasonable and Customary Charges”	Means an expenses which is charged for medical/Hospital treatment, supplies or services medically necessary to treat the Insured Person’s condition; it should not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred; and should not include charges that would not have been made if no insurance was procured.
“Scheduled Time”	Means : (i)Time provided on itinerary (ii)New departure Time which an airline operator had advised the Insured Person not less than 24 hours from the original schedule Time of flight departure on the flight.
“Serious/Illness”	Whenever applied to the Insured Person or Immediate Family Member it shall mean Sickness certified as being life threatening and requiring immediate treatment by a Physician and which results in the Insured Person or Immediate Family Member being certified by that Physician as unfit to travel or to continue with his/her original flight.
“Sickness/Illness”	Means any noticeable change in the physical health of an Insured Person that requires the care of a Physician acting within the scope of his/her license to treat the Sickness and the nature of the Illness is not excluded from this present policy.
“Theft”	Means a permanent loss of belongings:- Where there is physical evidence of a break-in of a premises (Where applicable) Where your belongings are taken or attempted to be taken by force by causing or attempt to cause death, hurt, wrongful restraint or the fear of the same Where the belongings are taken by force at any place where the General Public has free access to. Such forceful snatching shall comprise the elements of stealth and surprise Where the belonging are taken from a pocket; bag or purse at any place where the general public has free access to, such act shall comprise the elements of stealth A permanent loss of belongings where the belongings are taken without the Insured Person’s consent with the intention of permanently depriving him/her of his/her belongings
“Time”	Any reference to a Time or a date in the policy context or in the context of a coverage period refers to Malaysian Time
“Trip”	Means the journey commencing from the Time the Insured Person leaves his/her place of residence or business (Whichever is later) for a direct journey to the place of embarkation in Malaysia to commence travel to the intended destination(s) in any event not to commence more than 24 hours prior to booked departure Time and ceased on whichever, The following that occurs first:- a) The expiry of the period of insurance specified in the Certificate of Insurance b) The Insured Person’s return to the permanent place of residence or business (Whichever is earlier) in Malaysia c) Twenty four (24) hours after arrival in Malaysia (Not applicable for travel within Malaysia). The duration for each Trip must not exceed one hundred and eighty (180) consecutive days from the commencement date of Trip.
“Travel Companion”	Means the Insured Person’s sole travelling companion (Whom the Insured Person’s Trip depends on) who has travel bookings to accompany him/her for the entire Trip.
“One Way Cover” Period Of Insurance Commencement of Cover Expiry of Cover	The cover commences on the First Departure date for a Schedule Flight as stated in Certificate of Insurance. The cover ends:- (a) upon expiry of 3 days (72 hours) From the First Arrival Date. (b) upon checking in at point of Immigration for travel outside of Country of arrival Whichever comes first.

BENEFITS

SECTION 1 - DEATH BENEFIT

In the event of an Accident happening during the Trip, if the Insured Person suffers bodily injury which results in his death or disablement, the Company will, subject to the exclusions, limitations, provisions and terms of the Policy, pay Compensation as provided in the Table of Compensation below:

Table of Compensation
	Events	Percentage of Amount of Benefit
1	Accidental Death	100%
2	Total and irrecoverable loss of sight of an eye or both eyes	100%
3	Permanent loss of use of one or both limbs	100%
4	Total and irrecoverable loss of sight of one eye and loss of use of one limb	100%
5	Permanent Total Disablement, other than loss of sight or limb	100%

Definitions:

a) “Permanent Total Disablement” means injury which, having lasted for a continuous period of twelve (12) calendar months from the date of Accident, entirely prevents the Insured Person from engaging in gainful employment of any and every kind and for which there is no hope of recovery.

b) “Loss of sight” means total and irrecoverable loss of sight.

c) “Loss of limb” means loss by physical severance of a hand at or above the wrist or of a foot at or above the ankle.

Provided that:-

such death or disablement occurs within one hundred and eighty (180) calendar days immediately after the date of Accident causing such death or disablement ;

the maximum compensation for which the Company shall be liable in respect of one Insured Person is 100% of the Amount of Benefit specified for Personal Accident Benefits as detailed in the Insurance Coverage Plan.

Exposure and Disappearance Extension

When, by reason of an Accident covered by this Policy, the Insured Person is unavoidably exposed to the elements and, as a result of such exposure, suffers death or disablement for which benefit is otherwise payable hereunder, such death or disablement shall be covered under this Policy.

If the body of the Insured Person has not been found within one (1) year of disappearance, sinking or wrecking of the conveyance in or on which the Insured Person was traveling at the Time of the Accident, it will be presumed that the Insured Person suffered death resulting from bodily injury caused by an Accident at the Time of such disappearance, sinking or wrecking, and the Company shall forthwith pay the benefit under this Policy provided the person or persons to whom such benefit is paid shall sign an undertaking to refund such sum to the Company if the Insured Person is subsequently found to be living.

SECTION 2 - TRAVEL INCONVENIENCE BENEFIT

In addition to the benefits provided under the above Section, the Insured Person will be covered for the Air Travel Inconvenience Insurance for the following benefit events as specified below:

Section 2 (a) – Trip Cancellation

The Company will reimburse the Insured Person up to the limit stated in the Schedule of Benefits, for loss of irrecoverable deposits or charges paid in advance or contracted to be paid for the Trip only in the event of necessary and unavoidable cancellation of all or one following :-

air-ticket
hotel
tours
car rental

arising from causes beyond the Insured Person’s control occurring after this insurance has been effected which is as a result of:-

a disability resulting in:

death;
permanent total disablement; or
an admission as an in-patient in a Hospital where such admission is medically necessary;

occurring to the Insured Person, their Immediate

Family Members or Travel Companion within 14 days prior to original scheduled departure from Malaysia as stated in the policy schedule or Certificate of Insurance.

a fire or natural disaster resulting in serious damage to the Insured Person’s place of residence in Malaysia or destination of planned trip

any event excluding strike which:

leads to widespread violence;
is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state;
put your life in danger; and
following the advise and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media;

natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire occurring at destination of planned Trip.

For the purposes of item (1) to (4), if any of the above occurs within 14 days prior to the original Scheduled Time of departure from Malaysia as stated in the policy schedule or Certificate of Insurance. Please note that in relation to item (3) and (4), such claims should be made against relevant parties prior to us making any payment under this benefit. Such claims must be submitted with proof of compensation received from these relevant parties or if such compensation is denied, proof of such denial.

The Company will reimburse the reasonable and necessary travel and accommodation expenses which have been paid in advance and/or not recoverable from any relevant parties up to the amount specified in Section 2 (a) of the schedule of benefits.

Special Exclusions applicable to Section 2(a) –

Trip Cancellation

The Company shall not be liable for any loss resulting directly or indirectly (in whole or in part) from:-

criminal acts committed by the Insured Person;
war, riot, popular movements, terrorist acts;
any-existing medical conditions ;
any effect of a source of radioactivity;
pollution ;
Epidemics ;
Pandemic ;
bankruptcy;
climatic events such as lack of snow, etc.;
for any loss which is compensated by the airline operator

Section 2 (b) – Trip Curtailment

The Company will reimburse the Insured Person up to the limit stated in the Schedule of Benefits, for loss of irrecoverable deposits or charges paid in advance or contracted to be paid for the Trip only in the event of necessary and unavoidable cancellation of all or one of following :-

air-ticket
hotel
tours
car rental

arising from causes beyond the Insured Person control occurring after this insurance has been effected which is as a result of (1a) a disability resulting in:

i. death;

If the Insured Person (s) are prevented from continuing the Trip and return directly to Malaysia due to:

permanent total disablement;
an admission as an in-patient in a
Hospital for at least 48 hours where such admission is medically necessary;
quarantined for at least 48 hours as advised by the doctor or Physician; or
recommendation by the attending doctor or Physician to return Home and is deemed reasonable by us;

occurring to you, your Immediate Family Members or Travel Companion;

(2b) a fire or natural disaster resulting in serious damage to your place of residence in Malaysia or destination of the planned trip;

(3c) any event excluding strike which:

leads to widespread violence;
is not due to reasons for purposes of asserting sovereign rights and/or operating on behalf of a sovereign state;
put your life in danger;
occurs after departure from Malaysia; and
following the advise and/or warning of the Malaysian government or the government of the destination country declaring unsafe conditions for travel through or by general mass media;

(4d) natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami, hurricane or wildfire occurring at destination of planned Trip.

Please note that in relation to item (3c) and (4d), such claims should be made against relevant parties prior to us making any payment under this benefit. Such claims must be submitted with proof

of compensation received from these relevant parties or if such compensation is denied, proof of such denial. At no Time, we will reimburse you more than the amount specified in Section 2 (i) of the schedule of benefits.

The Company will reimburse the reasonable and necessary, unused and non-refundable expenses which is paid in advance and not recoverable from any relevant parties;

Up to the amount specified in Section 2 (b) of the schedule of benefits.

Special Exclusions applicable to Section 2(a) Trip Cancellation and Section 2(b) Trip Curtailment

We will not pay for claims arising directly or indirectly from, in respect of, or due to:

Government regulation or Act, delay or amendment of the booked Trip (excluding error, omission or default)by the provider of any service forming part of the booked Trip as well as the travel agent or tour operator through whom the Trip was booked.
Bankruptcy, insolvency, liquidation or default of travel agencies or Common Carrier.
Your business, financial or contractual obligation or those of your travelling companion.
Your disinclination to travel or financial circumstances.
A result of unlawful act or criminal proceedings of any person on whom the booked Trip depends other than attendance, under the subpoena as a witness at a court of law

This policy will only pay for one claim made either under Section 2 (a) or Section 2 (b) above.

Section 2 (c) – Baggage and Personal Effects

Section 2 (c) (i) Loss or damage to baggage, personal effects of Insured Person

The Company will indemnify the Insured Person for up to the maximum limit as specified for Baggage and Personal Effects in the Schedule of Benefits subject to an excess and limits as stipulated in the Schedule of benefits.

This is in consequence of

a Theft or damage due to a Theft or an attempted Theft;
loss or damage to the Insured Person’s baggage, clothing and registered personal effects, whether checked in or hand carried, caused by an airline operator or Common Carrier.

Provided that these items must travel together with the Insured Person during the Trip. At the sole discretion of the Company, the basis of indemnity shall be either the lesser of the cash value of the items or equivalent to:-

the original cash value of the items less depreciation; or
the cost of replacement of a similar make and model; or
the cost of repair of the items,

as determined by the sole discretion of the Company.

Where any item consists of articles in a pair or set, the Company shall not be liable to pay more than the proportionate value of any particular part or parts which may be lost, without reference to any special value which such article may have as a part of such pair or set. The Company may at its option elect to either repair or replace any part, to restore the pair or set to its value before the loss or pay the difference between the cash value of the loss or damage of covered baggage and personal effects before and after the loss. All jewelry, articles consisting in whole or in part of silver, gold, or platinum objects made with precious materials, precious stones, pearls, watches, articles trimmed with or made mostly of fur, portable photographic, cinematographic, computer or telephone equipment, equipment for the recording of sound or pictures and its accessories, are only covered against Theft if such item or equipment are physically carried along personally by the Insured Person during the Trip.

Special Exclusions applicable to Section 2 (c)(i) – Loss or Damage to Baggage and Personal Effects

This insurance does not cover:-

Animals
Automobiles and automobile equipment, trailers and caravans, boats and other means of transport equipment
contraband or illegal goods
document, identity papers. Credit and payment cards, transport tickets, cash, stocks and securities
equipment for professional use
eye glasses, contact lenses, hearing aids, prosthetic limbs, artificial teeth or dental bridges
toiletries, cosmetics of any kind
accessories of any kind including fashion accessory
films, tapes, cassettes, cartridges or discs, pen-drive, memory card and the like
hand-held mobile telephones, pagers, portable computer equipment including personal digital assistant and its accessories
keys
musical instruments, objects of art, antiques, collector’s items, furniture, sculptures
traditional herbs, perishables and consumables
ski sets, bicycles, sailboards, golf clubs, tennis rackets and other sporting equipment.

Note: Golf Clubs – This exclusion is not applicable for Worldwide Cover Plan.

The company shall not be liable for any loss or damage resulting from:-

breakage of brittle or fragile articles, cameras, musical instruments, radios and such similar property
confiscation or expropriation by order of any government or public authority
criminal acts
gradual deterioration or fair wear and tear
insects or vermin
inherent vice or damage
mysterious disappearance
transportation of contraband or illegal trade
seizure whether for destruction under quarantine or custom regulation or not

The company shall be not be liable for any loss of or damage to property which, at the Time of the happening of such loss or damage, is insured by or would, but for the existence of this Insurance, be insured by any other insurance policy or policies, or otherwise reimbursed/replaced by the airline operator.

Section 2 (c) (ii) Baggage Delay

The Company will indemnify the Insured Person RM 200 (Worldwide Cover) or RM50 (Domestic Cover) for every six (6) complete hours whereby their checked-in baggage is delayed, misdirected or temporarily misplaced by the airline operator the Time of their arrival at the scheduled destination abroad till the Time the Insured Person received their baggage. The maximum amount payable is up to the limit stated in the Schedule of Benefits.

Special Exclusions applicable to Section 2 (c)(ii)

– Baggage Delay

The Company shall not be liable for claims in respect of:

Baggage delay not immediately reported to the airline operator.
confiscation or detention by customs, immigration and/or public authorities
Baggage delay on your return journey to Malaysia.
Your failure to obtain a written confirmation from the carriers or their handling agents on the actual date and Time of baggage delivery.

This policy will only pay for one claim made either under Section 2 (c) (i) or Section 2 (c) (ii) above.

Section 2 (d) Baggage Loss / Damage By Common Carrier

If the Insured Person’s baggage while on a Trip is lost or damaged due to the negligence of the Common Carrier, at the Company’s discretion we will either reimburse for the purchase cost of the lost item or reimburse the repair cost of the damaged item, up to the amount specified in Section 2 (d ) of the schedule of benefits. For loss or damage due to Common Carrier’s negligence, the baggage must be checked-in with the Common Carrier.

The Company will pay the original purchase of the lost item given the provision of an original receipt otherwise reimbursement is based on the depreciation value made solely at the Company’s discretion.

For loss or damage due to the Common Carrier, the claim should be made against the Common Carrier first prior to us making any payment under this benefit. Such claims must be submitted with proof of compensation received from the Common Carrier or if such compensation is denied, proof of such denial. At no Time, the Company will reimburse the Insured Person for more than the amount specified in Section 2 (d) of the schedule of benefits.

Special Exclusions applicable to Section 2 (d) –

Baggage Loss / Damage by Common Carrier:

For purposes of Section 2 (d), the Company will not pay benefits for a loss due to or expenses incurred for:

loss to baggage sent in advance, mailed or shipped separately
loss to baggage left unattended in any place of which the general public have free access to;
loss by Theft from an unattended vehicle;
confiscation, detention, destruction by customs, immigration and/or public authorities; and
mysterious or unexplainable disappearance.

Section 2 (e) – Loss of Personal Money

The Company will reimburse the Insured Person up to the limit as specified for Loss of Personal Money in the Summary of Benefit for actual loss of cash, bank or currency notes, travelers cheques, postal or money orders during the Trip provided that :-

the items are within the Insured Person’s control or custody at all Times ; and
the items must not be left unattended ; and
such loss is reported to the police having jurisdiction at the place of loss immediately but in no case be later than 24 hours after the incident. Any claim must be accompanied by written documentation from the Police.

Special Exclusion applicable to Section 2(e) – Loss of Personal Money

The Company shall not be liable for any loss of cash, bank or currency notes, travellers cheques, postal or money orders kept in the check-in baggage with a Common Carrier.

Section 2 (f) (i) – Loss of Travel Document

The Company will reimburse the Insured Person up to the limit stated in the Schedule of Benefits for the loss of travel document due to Theft and shall reimburse the reasonable and necessary expenses incurred for :-

replacement of such passport and/or visa
communication
meals and/or accommodation
travel at the place of loss

for the purpose of obtaining replacement passports, travel tickets and other relevant travel documents up to the maximum limit as specified for Loss of Travel Document in the Summary of Benefit.

Special Exclusions applicable to Section 2 (d) – Baggage Loss / Damage by Air Common Carrier, Section 2 (e) – Loss of Personal Money & Section 2 (f)(i) - Loss of Travel Document

The Company shall not pay for claims in respect of:

Loss or damage arising from delay or confiscation or detention by Customs or other Officials.
Loss or damage whilst in the custody of an airline or other carrier, unless reported immediately on discovery and in the case of airline a Property Irregularity Report is obtained. A claim must be made against the carriers and other relevant authorities.
Losses not reported to the police within 24 hours and report not obtained at the place of loss.
Loss or Theft of property left unattended in a Public Place or in an unattended vehicle or as a result of your failure to take due care and precautions for the safeguard and security of such property.
Loss or damage to property otherwise reimbursed by a Common Carrier or a hotel.

Section 2 (f) (ii) - Loss of Credit Cards

If the Insured Person suffers financial loss as a direct result of the fraudulent use of his / her credit card(s) following Theft during the Trip, the Company will pay for such loss up to the limit stated in the schedule of benefits.

Any claim must be accompanied by a report issued by the card company(s) evidencing the loss.

Special Exclusions applicable to Section 2 (f) (ii)– Loss of Credit Cards

The Company will not pay for any loss:

If the loss or Theft credit card is not reported to the credit card issuing company within three (3) hours from the Time of Theft
Losses recoverable from any other sources

Section 2 (g) – Travel Delay

If the departure of the scheduled flight in which the Insured Person has arranged to travel is delayed from the Time specified in the itinerary supplied to him/her, The company will pay RM200 for the first three (3) consecutive hours of delay and RM200 for every six (6) consecutive hours of delay up to the limit stated in the Schedule of Benefits. The delay must be verified in writing by the operator(s) of the carrier or their handling agent(s) on the number of hours delayed. If the Insured Person is entitled to a refund of all or part of such expenses from another source, the Company will only be liable for the excess of the amount recoverable from such other source.

Special Exclusions applicable to Section 2 (g) – Travel Delay

The Company will not pay for claims arising directly or indirectly from, in respect of, or due to:

The Insured Person failure to check in according to the itinerary supplied to him/her or failure to obtain a written confirmation from the carriers or their handling agents of the number of hours of delay
Strike, riot or industrial action
Late arrival of the Insured Person at the Carrier Terminal after check-in or booking-in Time.

Section 2 (h) – Missed Departure

The Company will pay You up to RM500 aggregate for the Worldwide Plan and up to RM300 aggregate for the Domestic Plan for accommodation and travel expenses necessarily and reasonably incurred during initial departure from your home or business place or destination stop in your home territory or from your accommodation or business place abroad (whichever is later) as a result of failure of public transport services to get you to the departure port, airport or train station as stated in your schedule ticket

Special Exclusions applicable to Section 2 (h) – Missed Departure

The Company will not pay for claim arising directly or indirectly from, in respect of, or due to:

Your failure other than failure of the public transport servicers to check in at the airport, station or port according to the travel itinerary given to you.
Late arrival at the airport, station or port after check in or booking in time (except for the late arrival due to failure of the public transport services).
Failure of the public transport services arising from strike or industrial action which commenced or was announced before the date of departure from your home.

Section 2 (i) – Travel Misconnection

The Company will pay You up to RM400 aggregate for Worldwide Plan and up to RM200 aggregate for Domestic Plan, if the confirmed onward connecting scheduled Common Air Carrier is missed at the transfer point due to the late arrival of Your incoming confirmed connecting scheduled Common Air Carrier, and no alternative onward transportation is made available to You within six (6) hours of the actual arrival time of Your incoming Common Air Carrier. The travel misconnection details to be obtained by You must be verified in writing by the operator(s) of the Common Air Carrier or their handling agent(s).

SECTION 3 – MEDICAL AND EVACUATION EXPENSES

Section3 (a) - Medical Expenses Reimbursement

THE LIMITS INDICATED IN THE SCHEDULE OF BENEFITS IS INCLUSIVE OF CHARGES FOR SERVICES PROVIDED BY ASIA ASSISTANCE NETWORK (AAN)

The Company will indemnify the Insured Person subject to an excess up to the maximum limit that is stipulated in accordance to the below mentioned respective Schedule of Benefit.

Domestic Cover

Medical , Hospital and treatment expenses (including cost of emergency dental treatment for the alleviation of sudden pain but excluding replacement of dentures and crowns), necessarily incurred giving rise to a claim as a direct result of ONLY accidental bodily injury sustained by the Insured Person.

Worldwide Cover

Medical, Hospital and treatment expenses (including cost of emergency dental treatment for the alleviation of sudden pain but excluding replacement of dentures and crowns) necessarily incurred outside Malaysia giving rise to a claim as a direct result of accidental bodily injury or Illness sustained by the Insured Person.

Alternative Medicine

Alternative medicine expenses will also be covered under Section 3 (a) with a sub-limit of RM1,000.00 for Individual Plan (Worldwide) / RM3,000.00 for Family Plan (Worldwide) and RM250.00 for Individual Plan (Domestic Cover) / RM750.00 for Family Plan (Domestic Cover) but subjected to adequacy of overall Medical Expenses Reimbursement limit under Section 3 (a) of Schedule of Benefits.

Necessary alternative medical treatment expenses incurred as a result of an Accident up to the sublimit stated above where treatment is carried out by a registered traditional medicine practitioner, osteopath, physiotherapist and/or chiropractor provided treatment is first sought from a Medical Practitioner in the first instance. This benefit excludes treatment prescribed by someone who is the Insured Person himself/herself or an Immediate Family Member of the Insured Person. The claim must be accompanied with an official payment receipt.

Follow Up Treatment in Malaysia (Applicable for Worldwide Cover Only)

The maximum sum payable for medical expenses for follow-up treatment incurred in Malaysia must be within 30 days from the expiry date of the respective Tune Protect Travel Easy (Tune Travel Insurance Plan) and not exceeding 10% of the limit as specified under Section 3(a) Medical Expenses

Reimbursement in the Schedule of Benefits. The amount is a sub-limit of the aggregate total payable under the Schedule of Benefits for Medical Expenses Reimbursement.

Section 3 (b) – Emergency Medical Evacuation and Repatriation

3 (b) (i) Emergency Medical Evacuation

In the event that an Insured Person requires evacuation in a medical emergency due to an Accident or Sickness* occurring during the Trip, Asia Assistance will organize for an emergency medical transport to the nearest medical facility that is adequately equipped to treat the Insured Person’s medical condition. The type of transportation will depend on the availability and the gravity of the Insured Person’s condition. *applies for Worldwide Cover only

3 (b) (ii) Emergency Medical Repatriation

In an event that the Insured Person is hospitalized abroad due to an Accident or Sickness* and it is medically necessary for him/her to be repatriated back to Malaysia to continue treatment, the Company will pay the reasonable and necessary repatriation costs including the reasonable transportation cost of one qualified medical attendant. In the event of emergency medical repatriation, Asia Assistance Network (AAN) must be contacted immediately to approve all Emergency Medical Repatriations. The Company retains the right to decide whether emergency medical repatriation is required or not. *applies for Worldwide Cover only

3 (b) (iii) Mortal Remains Repatriation

In the event of death of the Insured Person due to an Accident or Sickness* during the Trip, Asia Assistance will organize the repatriation of his/her mortal remains to his/her habitual residence in Malaysia subject to the maximum limit as specified for Emergency Medical Evacuation and Repatriation in the Summary of Benefit. The process of burial, embalming, basic casket are covered if it is mandated by legislation or regulation. Ceremonies and ritual rites are not covered in the repatriation coverage.

*applies for Worldwide Cover only

Special Exclusion applicable to Section 3 (b) (i) – Emergency Medical Evacuation, Section 3 (b) (ii) - Emergency Medical Repatriation and Section 3 (b) (iii) – Mortal Remains Repatriation The Company will not pay for claims in respect of Emergency Medical Evacuation and Repatriation due to any form of Mountain Sickness.

This Policy will only pay for one claim from Section 3 (b) (i) - Emergency Medical Evacuation, Section 3 (b) (ii) – Emergency Medical Repatriation or Section 3(b) (iii) - Mortal Remains Repatriation at any one event.

Section 3(c) – Compassionate Visit Due to Hospitalization of Insured Person

In the event that the Insured Person is hospitalized overseas for more than 5 days as a result of Accident or Sickness* sustained whilst on the Trip and his/her medical condition forbids evacuation, the Company will pay for the reasonable travel fare (economy air travel or first class rail travel) and hotel accommodation expenses necessarily incurred by one relative or one friend to visit and stay with the Insured Person, as recommended by a Physician, up to the maximum limit as specified for Compassionate Visit in the Schedule of benefits. *applies for Worldwide Cover only

Section 3 (d) – Compassionate Visit Due to the Insured Person’s Death

Upon accidental death of the Insured Person while on an Overseas Trip, the Company will reimburse the reasonable and necessary additional expenses incurred by 1 person for accommodation, communication, travel and meals up the amount specified in Section 3 (d) of the schedule of benefits to assist on repatriation and burial or cremation.

This Policy will only pay for any claim under Section 3 ( c ) or Section 3(d) but not both.

Section 3 (e) – Child Care Benefit

If the Insured Person suffers from a Sickness /illness while on an Overseas Trip, the Company will reimburse the maximum amount specified under 3(e) of the Schedule of Benefit, for the reasonable and necessary expenses incurred to accompany the Insured Person’s Child / Children back to Malaysia in an event:

Insured Person is admitted as an in-patient in an overseas Hospital and such admission is medically necessary; and
There is no one to look after the Child / Children

Section 3 (f) – Hospital Allowance (Up to Maximum of 30 Full Days)

If the Insured Person suffers from a Sickness / Illness while on an Overseas Trip which requires admission as an in-patient in a Hospital overseas and such admission is medically necessary, we will pay for every full day of admission at and up to the amount specified in Section 3 (f) of the schedule of benefits for Worldwide Cover.

Special Conditions Applicable to Section 3

The Company is not liable to pay:-

costs for medical care except that prescribed by a licensed Physician or which is delivered by a recognized Hospital;
for any loss which is directly or indirectly, in whole or in part, due to :-

Civil or Foreign War, whether declared or not;
The effect of drugs, medication or treatment not prescribed by a Physician ;
The influence of alcohol characterized by a blood alcohol level of the Insured Person equal to or superior to that fixed by the laws regulating the use of automobiles;
Suicide, attempt suicide or intentionally self-inflicted injury;
The Insured Person’s participation in an competition involving the use of motorized land, water or air vehicle;
The Insured Person’s participation in any professional sports, Extreme Sports and Activities;
The Insured Person flying whether as a fare-paying passenger or not, in or on an aircraft that does not belong to an airline company or which is not registered or licensed for the transportation of fare-paying passengers on regular and published scheduled routes;
The Insured Person’s active service in any of the armed forces of any nation;
The participation or involvement of the Insured Person in a criminal act;
The Insured Person’s practice or utilization, either as pilot or passenger, of a sailplane, hand glider, parasail, parachute, hot air balloon, and the like, or engaging in any aerial flight other than that as previously expressed.

the Company is not liable for expenses incurred:-

Pre-Existing Conditions;
Pregnancy and its consequences;
mental or emotional disorder;
sexually transmitted diseases, AIDS, HIV infections and AIDS related infections;
cosmetic surgery, apart from reconstructive surgery in consequence of a covered Accident;
follow-up non-medical treatment of any kind resulting from an Accident or Sickness, psychoanalytical treatment, stays in rest homes, physiotherapy and detoxification;
ophthalmologic care, eye glasses, contact lenses, hearing aids, dental care and dentures, unless they are the direct consequence of an injury from a covered Accident, which makes usage medically necessary;
non-emergency medical check-ups;
vaccinations and their complications.

SECTION 4 – PERSONAL LIABILITY COVER

The company agree to indemnify the Insured Person against his/her personal liability at law for damages and any claimant’s cost and expenses up to the maximum limit specified for Personal Liability in the Summary of Benefit in respect of:-

Accidental bodily injury to persons
Accidental damage to property

happening during the Trip. Provided that the total aggregate limit of liability of the Company for all claims under this section in respect of such damages and/or costs and expenses incurred with the written consent of the Company in the defense or settlement of any such claim shall not exceed the maximum limit specified for Personal Liability in the Summary of Benefit.

Special Exclusions to Section 4 – Personal Liability Cover

The Company shall not be liable for any liability in respect of the following:-

caused by the Insured Person ;
any non-pecuniary loss ;
Accidental loss or damage to property belonging to or held in trust or in the care, custody or control of the Insured Person or any of his employees or any member of his Family or household ;
arising out of an agreement unless liability would have arisen in the absence of such agreement;
death or accidental bodily injury to or Sickness of any person who is under a contract of employment, service or apprenticeship with the Insured Person when such death, injury or Sickness arises out of and in the course of their employment with the Insured Person ;
arising out of the use, ownership or possession of firearms, aircraft, watercraft, hovercraft, mechanically propelled vehicles, lifts, animals of a dangerous species or livestock of any kind ;
damage caused by or to buildings or parts of building owned, rented or occupied by the Insured Person ;
any claim arising from an Insured Person being insane or under the influence of or affected by drugs (other than drugs prescribed by a licensed Physician), intoxicating liquor, or solvents,
the Insured Person’s participation in any act of civil or Foreign War, sabotage, riots, public demonstrations, strikes and lockouts
Liability attaching under an express term of a contract, unless liability would attach whether the express term existed or not;
Liability arising directly or indirectly by, through or in connection with any loss or damage to property due to act of animals belonging to, held in trust or in the Custody or control of the Insured Person or your Immediate Family Member or household;
Liability arising directly or indirectly by, through or in connection with:
- the ownership, possession or occupation of land or buildings, immobile property or caravans other than occupying on a temporary basis;
- any willful, malicious or unlawful act;
- the carrying on of any trade, business or profession; and
- any racing or rallying activities;
any claim involving any of the Insured Person’s Immediate Family Members
judgement(s) that is or are not in the first instance delivered by or obtained from a court of competent jurisdiction within Malaysia;
sexual molestation, physical or mental abuse;
golfing either in the course of play or practice;
any punitive, aggravated or exemplary damages awarded by any court;
liability for which payment should be more specifically claimed under any other Contract of insurance under the name of the Insured Person.

Special Conditions applicable to Section 4 – Personal Liability cover

Upon the happening of any event which may give rise to a claim under this Section, the Insured Person shall within Thirty (30) days therefrom give written notice to the Company with full particulars. Every letter, claim, writ of summons or process in respect of such claim shall be forthwith forwarded to the Company upon receipt of the same by the Insured Person. No admission offer promise payment or indemnity shall be made or given by or on behalf of the Insured Person without the written consent of the Company which shall be entitled to take over and conduct in the name of the Insured Person the defence or settlement of any claim or to prosecute in the name of the Insured Person for its own benefit.

Any claim and shall have full discretion in the conduct of any proceedings and in the settlement of any claim. The Insured Person shall give all such assistance as the Company may require.

SECTION 5 – HOME CARE BENEFIT

The Company will, by payment or at our option By reinstatement or repair, indemnify the Insured Person up to the amount stated in the Schedule of Benefits against physical loss or damage to his/her Home Contents at permanent residence in Malaysia that was left vacant because of the Trip, caused by Theft during the period of insurance, but only after the Trip commences.

In the event of loss or damage to any property insured forming part of a pair or set, the Company’s liability shall not exceed a proportionate part of the value on the pair or set. The Company shall not be liable for more than RM500 in respect of any one article or pair or set of articles.

Special Exclusions applicable to Section 5 – Home Care Benefits

We will not pay for claims arising directly or indirectly from, in respect of, or due to:

Any loss or damage occasioned through the Insured Person willful act or with his/her connivance. Losses recoverable from any other insurance taken up by the Insured Person to cover his/her Home Contents.

* Applies for Worldwide Cover only

SECTION 6 – WORLDWIDE TRAVEL ASSISTANCE SERVICES

Services described herein are available 24 hours a day, 365 days to the Insured Person travelling anywhere within the Country of Arrival.

The Insured Person may call Asia Assistance Network (M) Sdn Bhd in Malaysia to request the services described in clause herein.

Medical Referral and arrangement of medical appointments

Upon request, Asia Assistance Network (M) Sdn Bhd (AAN) shall provide the name, address and telephone number of AAN doctor, Hospitals, dentists, and dental clinics. AAN will attempt upon request to confirm the availability of the applicable medical or dental professional to make an appointment for treatment. Any third party cost incurred shall be borne by the Insured Person.

Visa, Passport & Inoculation Requirements

Upon request, Asia Assistance Network (M) Sdn Bhd will provide the Insured Person information concerning Visa, inoculation, passport or immunization requirement.

Currency Exchange & Flights Informations

Upon request, Asia Assistance Network (M) Sdn Bhd will provide the Insured Person information concerning foreign exchange rates of major currencies, flight information on the arrival and departure by destination, Time and flight number. The information will only be available for the present day, the day before and the date after The Insured Person’s enquiry.

General Exclusions Applicable to Entire Policy

This Insurance does not cover:-

any illegal or unlawful intention act by the Insured Person;
death or injury directlyor indirectly occasioned by war, invasion, act of foreign enemy, hostilities or warlike operation (whether war be declared or not), mutiny, Civil War, rebellion, revolution, insurrection, conspiracy, military or usurped power, martial law or stage of siege, any of the events or causes which determine the proclamation or maintenance of martial law or state of siege, seizure, quarantine or customs regulations or nationalization by or under the order of any government or public or local authority;
delay, seizure, confiscation, destruction, requisition, retention or detention by customs or any other government or public authority or official ;
any violation or attempt of violation of laws or resistance to arrest by appropriate authority;
the Insured Person which is below the age of 30 days or over the age of 75 (calculated since last birthday as at the date of insurance purchased) ;
members of the armed forces whilst on duty or whilst engaging in or taking part in naval, military or air force service or operations or participating in operations of an offensive nature planned or conducted by any civil or military authorities against bandits, terrorists or other elements ;
during air travel except as a fare paying passenger in any properly licensed private and/or commercial aircraft ;
any serious physical injury or disability resulting directly or indirectly from, attributed to or accelerated by the use, release, or escape of nuclear of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; or the dispersal or application of pathogenic or poisonous biological or chemical materials; or the release of pathogenic or poisonous biological or chemical materials. For purposes of this exclusion, serious physical injury means physical injury that involves a substantial risk of death and/or protracted and obvious physical disfiguration, and/or protracted loss of or impairment of the function of a bodily member or an organ ;
any Pre-Existing Condition ;
suicide, attempted suicide or any intentional self-inflicted injuries acted upon by the Insured Person to him/herself whether sane or insane ;
treatment of alcoholism or drug abuse or any other complications arising therefrom or any drug related Accident ;
pregnancy, miscarriage or Childbirth, or any treatment relating to birth control or treatment pertaining to infertility or any other complication arising therefrom;
psychosis, mental or nervous disorders or sleep disturbance disorders ;
cosmetic or plastic surgery or any elective surgery;
any congenital defect which has manifested or was diagnosed before the policy commencement date ;
any form of dental care or surgery unless necessitated by injury caused by the Accident covered under the Policy to sound and natural teeth ;
routine health check-ups, any medical investigation(s) not directly related to admission diagnosis, Illness or injury , or any related treatment
Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by any Human Immune Deficiency Virus (HIV) (for the purpose of this Policy, the definition of AIDS shall be that used by the World Health Organisation in 1987, or subsequent revision by the World Health Organisation of that definition; infection shall be deemed to have occurred where blood or other relevant test(s) indicate in the opinion of the Company either the presence of any Human Immune Deficiency Virus (HIV) or Antibodies to such Virus) ;
any injury sustained while serving as a crew member of any aircraft except as a fare-paying passenger in any aircraft having a current and valid air worthiness certification issued by the appropriate authority of the country of its registry ;
driving or riding in any kind of race involving motorized vehicles ;
late arrival of the Insured Person at the airport for the Scheduled Flight after the official check-in Time ;
failure of the Insured Person to take reasonable measure to protect, save or recover lost baggage ;
failure of the Insured Person to notify the relevant airline authorities of missing luggage at the scheduled destination point and to obtain a property irregularity report;
any loss, injury, damage or legal liability arising directly or indirectly from travel in , to or through Afghanistan, Belarus, Cuba, Congo, Iran, Iraq, North Korea, Russian Federation, Somalia, Sudan, Syria and Zimbabwe;
engaging practicing or participating in sport in a professional capacity or when an Insured Person would or could earn income or remuneration from engaging in such sport ;
Hospital admission which is not medically necessary, or convalescence, custodial or rest care ;
any loss, injury, damage or legal liability suffered or sustained directly or indirectly by an Insured Person if that Insured Person is :-
- a terrorist ;
- a member of a terrorist organization ; or
- a purveyor of nuclear, chemical or biological weapons ;
- a narcotics trafficker.
- any loss resulting directly and indirectly (in whole or in part) from :
- Pandemic
- Epidemic

General Conditions Applicable to entire Policy

Entire Contract

This Certificate of Insurance contains terms and conditions for the Insurance Coverage and benefits provided here in which shall always be subject to the terms and conditions of the Tune Protect Travel Easy (Tune Travel Insurance Plan) Master Policy.

Observance of Insurance Terms and Conditions

The due observation and fulfillment of terms and conditions of this Certificate of Insurance in so far as they relate to anything to be done or complied with by the Insured or any claimant under this Certificate of Insurance shall be conditions precedent to any liability of the Company to make any payment under this Policy.

Misrepresentation in Application

The benefits shall not be payable and the Policy, at the option of the Company, shall be considered voidable in the event:-

there is a failure to disclose or misrepresentation of any fact with respect to the Insured Person that is material to the insurance provided hereunder which is required to be furnished as evidence of insurability ; and/or
in all cases of fraud.

Alterations

The Company reserves the right to amend the terms and provisions of the Policy and may at any Time be amended and changed by written agreement between the Company and Tune Protect Travel Easy (Tune Travel Insurance Plan) Any amendment to the Policy shall be binding on all persons whether insured under the Policy prior to, during, or after the effective date of the amendment. No alteration in the policy shall be valid unless approved by an authorized representative of the Company and such approval be endorsed herein.

Currency of Payment

Payment of any claim covered under this Policy shall be made in Malaysian currency or its equivalent in any other currency at the prevailing rate of exchange as declared by Bank Negara at the Time of effecting payment if so required by the Insured Person or his/her permitted legal personal representatives.

Compensation Limit

The compensation limit is that expressed in the Table of Compensation.

Ages

All ages referred to in this Policy shall be the age of the Insured Person at his/her last birthday.

Country of Residence

Coverage provided to all Persons who is residing and having permanent address in Malaysia.

Notice and Procedures of Claims

a. Upon the happening of any event which may give rise to a claim, the Insured Person shall:-

notify the Company in writing as soon as possible but not later than thirty (30 days) after any event which may give rise to such claim by filling up the claim form as provided by the Company; any delay must be supported by justifiable reasons for the delay and the acceptance is at our sole discretion. We will not pay any claims notified to us after one (1) year from the date of loss.
furnish to the Company in writing, at the Insured Person’s own costs and expenses, any evidence and proof including but not limited to information, particulars, accounts, original receipt, invoices, Insured Person’s statements, reports and any other documents as the Company may require and shall be in such form and of such nature as the Company may prescribe.
produce for the Company’s examination pertinent

documents at such reasonable Times and shall co-operate with the Company in all matters pertaining to any loss and/or claims. Failure to comply with this condition may prejudice the claim.

The following information and documents shall be furnished to the Company under any circumstances in matters of claims:-

a property irregularity report obtained from airport authorities in respect of lost luggage including details of the Scheduled Flight and/or written details and confirmation of the delay or loss incurred.
copies of the records / receipts / charges forms verifying the relevant Scheduled Flight Air Tickets, hotels, car rental, tours incurred for the Trip
other document as and when required by the Company

All reasonable measures to protect safeguard and recover such lost baggage and/or personal effects shall be taken by the Insured Person. Any delay or non-delivery of baggage shall immediately be reported to an official of airport authorities who is authorized to receive such notification.

Proof of Loss

Written proof of loss must be furnished to the Company at its said office within ninety (90) days from the date of loss. Failure to furnish such proof within the Time required shall not invalidate or reduce any claim if it was not reasonably possible to give proof within such Time provided such proof is furnished as soon as possible and in no event, except in the absence of legal capacity, later than one (1) year from the Time proof is otherwise required.

Effect of Fraud

Any fraud, misstatement or concealment in respect of this insurance or any claim hereunder shall render the insurance coverage and benefits provide herein null and void.

Medical Examination

The Company at its own expense shall have the right to require additional proof and request medical examination of the Insured Person when and as often as it may reasonably require during the period when the claim is pending and to conduct an autopsy in case of death provided it is not forbidden by law.

To Whom Indemnity is Payable

Indemnity for loss of life in respect of the Insured Person is payable to the nominee(s) elected by the Insured Person and in the event of failure of nominee, to the legal beneficiary as stipulated under the Probate and Administration Act of Malaysia (for foreigners, such pay out shall be made in accordance to foreign Insured Person’s country’s probate laws). Indemnity for all other benefits will be paid to the Insured Person or his/her estate upon his death.

The process of claim including settlement shall be handled between the Company and the Insured Person or his/her estate as the case may be, whose sole discharge will constitute full and final discharge of the claim lodged.

Sanction Clause

The Company is not liable to make any payment for liability under any coverage sections of this Policy or make any payment under any extension for any loss or claim arising in, or where the Insured Person or any beneficiary under the Policy is a citizen or instrumentality of the government of any country (ies) against which any laws and/or regulations governing this Policy and/or the Company its parent company or its ultimate controlling entity have established an embargo or other form of economic sanction which have the effect of prohibiting the Company to provide. insurance coverage transacting business with or otherwise offering economic benefits to the Insured or any other beneficiary under the Policy. It is further understood and agreed that no benefits of payments will be made to any beneficiary(ies) who is or are declared unable to receive economic benefits under the laws and/or regulations governing this policy and/or the Company, its parent company or its ultimate controlling entity.

Receipts

The Company shall not be abide by any notice or any trust charge, a lien, assignment or other dealing with the Certificate of Insurance. The receipt by the Insured Person for any compensation payable herein shall in all cases be effectual discharge of liability of the Company.

Rights of Nominee

Consent of nominee shall not be a pre-requisite to terminate or to cancel this Policy or to a change of nominee or for that matter for any changes in this Policy.

Rights of Ownership

The policy owner is Tune Protect Travel Easy (Tune Travel Insurance Plan).

Arbitration Clause

Any dispute which may arise between the Company and the Insured Person and/or his/her legal representative in relation to the construction of the Policy or rights or liabilities of parties hereto shall be referred to arbitration. The arbitration shall be heard by a single arbitrator to be agreed by the parties hereto within fourteen (14) days of the commencement of the arbitration. In default of such agreement, an arbitrator shall be appointed in accordance with and subject to the provisions of the Arbitration Act of Malaysia or any statutory modification of reenactment thereof for the Time being in force.

Limitation of Time of Bringing Arbitration

If a claim is made under the Policy and rejected by the Company, the Insured or his/her legal personal representatives shall commence arbitration proceedings, within six (6) months of such rejection, failing which the Company shall be discharged from all liability whatsoever for that claim.

Cancellation and Refund Short Journey Policy:

We will refund in full the premium paid if You cancel the Journey due to Unforeseen Circumstances prior to the date of departure and You will not make any claim for travel and cancellation charges.
We will not refund any premium paid if You cancel the Journey due to Unforeseen Circumstances prior to the date of departure and We have agreed to pay claims for travel and cancellation charges.
We will not refund any premium paid if You cancel the Policy due to reasons other than Unforeseen Circumstances prior to the date of departure.
No refund is allowed for cancellation of Policy after commencement of insurance

For the purpose of this Condition Unforeseen Circumstances refer to:

Your death or the death of a Special Person; or
Bodily Injury or Sickness that requires treatment by a Medical Practitioner which results in that Medical Practitioner certifying in writing that You or a Special Person is unfit to begin or continue the Journey; or
Unexpected outbreak or strike, riot or civil commotion arising out of circumstances beyond Your control.

Annual Policy

There is no insurance cover under this Policy in respect of Annual Cover for one way cover.
The maximum number of days per journey or trip is limited to 90 days.
The policy is applicable to person age between 18 to 75 years.
Extension of Period of Insurance is not applicable to Annual Policy.
We will not refund any premium paid if You cancel Your Policy and We have agreed to pay any claim under the Policy or there has been an occurrence of any event for which a claim may be payable under the Policy.
We will charge You the premium in accordance to the scale below and refund the balance if You cancel the Policy after commencement of insurance.

Period Not Exceeding Premium to Charge
1 month	20% of the Annual Premium
2 months	30% of the Annual Premium
3 months	40% of the Annual Premium
4 months	50% of the Annual Premium
6 months	70% of the Annual Premium
7 months	75% of the Annual Premium
8 montha	80% of the Annual Premium
9 months	85% of the Annual Premium
10 months	90% of the Annual Premium
11 months	95% of the Annual Premium
12 months	100% of the Annual Premium

Conformity with Law

If any provision of this Certificate of Insurance which on its issuance date is in conflict with the law of the country in which the Certificate of Insurance was issued or delivered, this Policy shall be read inconformity to the Malaysian Law.

Sole Responsibility of Tune Insurance Malaysia Berhad

Any issues, matters or claims related in whole or part to insurance provided under this Certificate shall be the sole responsibility of the Company, and shall not in anyway involve Tune Protect Travel Easy (Tune Travel Insurance Plan).

Language Prevails

If there is any conflict or inconsistency between any of the contents of the document and the contents of a version of this same document issued or printed in any other language, the contents of this document issued and printed in English prevail.

Other Insurance

If at the Time of any loss, damage or liability arising under the Policy, there is any other insurance covering the Same loss, damage or liability, the Company will pay only a proportion of a claim and to require details of such other insurance

Duplication of Cover

In the event that an Insured Person is covered by more than one policies purchased through Tune Protect Travel Easy (Tune Travel Insurance Plan) and/or its Affiliates’s, benefit will be paid by the policy which provides the greatest amount of benefit. Where the benefit under each such policy is identical, the Company will only entertain the claim that Insured Person to be covered under the Policy first issued.

Cash Before Cover

It is fundamental and absolute special condition of this contract of insurance that the premium due must be paid and received by the Company before cover commences. If this condition is not complied with, then this insurance is automatically null and void. The Authorized agent shall remit the premium to the Company within fifteen (15) calendar days from date of receipt automatically null and void. The Authorized agent shall remit the premium to the Company within fifteen (15) calendar days from date of receipt of such premium from the insured and/or Insured Person or date of inception of policy, whichever is earlier. The Company reserves the right to refuse any coverage and/or reject any claim resulting from non-payment of premium to the Company.

Extension of Cover

Cover shall be extended at the Company’s discretion for up to 30 days from the expiry of the period of insurance for a Trip without payment of any additional premium if the Insured Person is hospitalized and/or quarantined overseas as recommended by a Physician or any other circumstances beyond the Insured Person control which is deemed reasonable by the Company prohibiting the Insured Person return to Malaysia prior to the expiry of the period of insurance. This extension of cover, if granted by the Company, shall be applicable to Section 2-Travel Inconvenience as per Schedule of Benefit.

Limit of Benefits (Applicable to Insured Person From Age 66 to 75)

The limit of benefits under Section Personal Accident Benefits revised toRM150,000.00 (for Worldwide Cover) and RM75,000.00 (for Domestic Cover)for all Insured Persons in the age band above. This condition will be applicable to both Individual Plan and Family Plan. The limit of benefits under Section 3 (a) Medical Expenses Reimbursement revised to RM150,000.00 (for Worldwide Cover) and RM12,500.00 (for Domestic Cover)for all Insured Persons in the above age band. In View thereof, follow up treatment in Malaysia under the Worldwide Cover will applicable to both Individual Plan and Family Plan.

Disclosure & Policy Statement

If you have any complaint regarding our services rendered and/or to matters relating to this policy, you are advised to write to our Customer Complaint Unit. If you are still not satisfied with our response or decision, you may submit your complaint(s) which depending on its nature shall go to either one (1) of the following;

PENGARAH JABATAN LINK & PEJABAT WILAYAH

Bank Negara Malaysia, P. O. Box 10922, 50929 Kuala Lumpur.

Tel: 1300-88-5465, Fax: +603 2174 1515, Email: [email protected]

OMBUDSMAN FOR FINANCIAL SERVICES (FORMERLY KNOWN AS FINANCIAL MEDIATION BUREAU)

Level 14, Main Block, Menara Takaful Malaysia,

No 4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur.

Tel: +603 2272 2811, Fax: +603 2272 1577

Website: www.ofs.org.my, E-MAIL: [email protected]

By virtue of the Anti-Money Laundering Act and Anti-Terrorism Financing Act 2001 (AMLA), any “Suspicious Transaction” as classified by the law is required to be reported to the Competent Authority at Bank Negara Malaysia

Travel Easy Policy Wording

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