1. What is this product about?
This policy provides compensation and reimbursement in the event of injuries, disability or death caused solely by violent, accidental, external and visible events.
2. What are the covers / benefits provided?
This policy covers:
- Accidental Death & Accidental Permanent Disablement
- Medical Expenses Reimbursement due to accident
- Hospital Income due to accident
- Cosmetic Surgery due to accident
- Bereavement Allowance due to accident
Duration of cover is for one year. You need to renew your insurance cover annually.
3. How much premium do I have to pay?
The yearly premium you have to pay is RM36. There will be a 25% Direct Rebate for online customers.
4. What are the fees and charges that I have to pay?
- Stamp duty RM10.00
- Service Tax is chargeable on the premium at the prevailing rate, where applicable
5. What are some of the key terms and conditions that I should be aware of?
- Importance of Disclosure - Pursuant to Section 129 and Para 5 of Schedule 9 of Financial Service Act 2013 or any amendments thereof: you have a pre-contractual duty of disclosure and shall disclose all matters in this proposal form which you know or ought to know or reasonably expected to know which are relevant to the decision of the company to accept the risk or not and the rates and terms to be applied. Your duty of disclosure shall continue until the time the contract is entered into, varied or renewed.
- Age Limit – Between 18 to 70 years old, age last birthday.
- Excluded Occupations – Helicopter or Charter Pilot, Jockey, Horse Racer or Trainer, Explosive Handlers/ Makers, Construction Worker, Painter, Crane Operator, Fireman, Police, Air Force, Security Guard, GRO, Bouncer, Professional Racing Driver, Stunt Person, Scuba Diver, Lorry Driver, Fuel Tank Driver, Wireman or Electrician working with more than 500V, Offshore Oil , gas or petroleum Worker, Air Crew, Ship Crew, Underground Workers, Fisherman, Army and/or Military Personnel, Professional Entertainers.
6. Who can purchase this insurance?
All Malaysian Residents and Non-Malaysian with valid work permit and who have a permanent address in Malaysia or are under Malaysia Second Home scheme, who are above 18 years and below 70 years old only.
7. What are the major exclusions under this policy?
This insurance does not cover:
- War, nuclear, weapon of mass destruction
- Disease: Bacteria, virus, parasite and all form of communicable disease
- Insanity, Suicide, International and self-inflicted injury
- Professional sports, national services of the like description martial arts, military and aerial activities.
- Flying as crew member or in a non-schedule flight machinery run or non-passenger aircrafts.
- Motorcycling / driving without valid license
- Use of wood-working machinery run or mechanical power
- Racing other than on foot
- Mountaineering using ropes and guides
- Underwater activities using breathing apparatus (exceeding 30 meters deep)
- Criminal activities
(Note: This list is non-exhaustive. Please refer to the policy contract for full list of exclusions under this policy.)
8. What do I need to do if there are changes to my contact personal details?
It is important that you inform us of any change in your contact details/life profile including nomination, occupation and personal pursuits which would affect the risk profile of this Policy. You may be required to pay additional premium as a result of any such change.
9. Where can I get further information?
Should you require additional information about Tune Protect PA Easy, please refer to the insurance info booklet on ‘Personal Accident Insurance’ available at all our branches. Alternatively, you may visit our website at https://www.tuneprotect.com/.
If you have any enquiries, please contact us at:
Tune Protect Malaysia
Tune Insurance Malaysia Berhad
Company No: 197601004719 (30686-K)
Level 9, Wisma Tune,
No. 19 Lorong Dungun, Damansara Heights,
50490, Kuala Lumpur,
Malaysia.
Tel No: 1800 88 5753
Fax: 03-20941366
E-mail: [email protected]
Website: www.tuneprotect.com
Additionally, should you require additional information about general insurance, please refer to the insurance info booklet available at all our branches or you can obtain a copy from the sales representative at your convenience or visit www.insuranceinfo.com.my.
IMPORTANT NOTE
You are advised to note the scale of benefits for death and disablement in your insurance policy.
You are advised to nominate a nominee and ensure that your nominee is aware of the personal accident policy that you have purchased. You should read and understand the insurance policy and discuss with the agent or contact the insurance company directly for more information.
The information provided in this disclosure sheet is a summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract.
Tune Insurance Malaysia Berhad is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. The information provided in this Product Disclosure Sheet is valid as at 23rd March 2020.