Sports+ Frequently Asked Questions

Please refer to the schedule of benefits and the full features in the policy contract.

• 18 to 65 years old only.
• All Malaysians and Non-Malaysian with a valid work permit and a permanent residential address in Malaysia or under the Malaysia My Second Home Program.

1. Service Tax is chargeable on the premium at the prevailing rate, where applicable
2. Stamp Duty of RM10

9. What are some of the key terms and conditions that I should be aware of?

• Importance of Disclosure - Pursuant to Section 129 and Paragraph 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 the Proposal Form which you know, 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.
  
  Failure in making full disclosure and in answering the questions in the Proposal Form may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance. Your duty of disclosure shall continue until the time the contract is entered, varied or renewed.
  
  In addition, you also have a duty to tell the us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us, any of the information given in the Proposal Form is inaccurate or has changed.
• Fitness for Sports – You must be medically fit to participate in the sport undertaken and must not participate in the sport against doctor’s advice.
• Changes of Occupation – You must notify us in writing if you change your occupation. We will then look at your new occupation to determine, for insurance purposes, whether it is still within the insurable occupation classes for this policy. If your new occupation falls under our excluded occupation, we will cancel the policy and refund your premium per our short rates table stated in policy contract.
• Excluded Occupations:
  1. Full time military, airforce and navy personnel, police and civil defense personnel.
  2. Aerial photographers.
  3. Motor racer, entertainer, armed security guard.
  4. Manual worker regardless of whether any machinery or tools are used including but not limited wood working machinists, construction worker and kitchen help.
  5. Offshores rig worker, diver, firefighter, fishermen.
  6. Working onboard sea vessel or aircraft such as air crew, ship crew, shipyard worker.
  7. Working at height above 30 feet including but not limited to roofing activities, on the scaffolding or gondola.
  8. Mine or underground worker, in tunnel or quarry.
  9. Any occupation dealing with explosives, ammunition or hazardous substances.
  10. Racing Drivers.
  11. Circus performers.
  12. War correspondents.

• Pre-existing conditions
• War, nuclear, weapons of mass destruction
• Sexually transmitted diseases, HIV and/or HIV related illnesses including AIDS
• Psychosis, mental and nervous disorder, suicide, intentional and self-inflicted injury
• Any illegal or unlawful act
• If you are employed in the following areas:
  1. Professional sports, or sport coach who provides training to professional or national or state competition
  2. Flying as crew member or engage in any trade or technical operation in the aircraft
  3. Performing sports whilst you do not hold valid qualification or failure to comply to the safety or fitness requirement
• If you are involved in any of the sports mentioned below:
  1. All forms of martial arts not limited to boxing, wrestling, karate and the likes when you participate in competitions whether as an amateur or professional.
  2. Aerobatics flying, sky surfing, wing suit flying.
  3. Base jumping.
  4. Cliff jumping, cliff diving and/or coasteering.
  5. Expedition to generally inaccessible and remote areas of a country or areas previously unexplored.
  6. American football, all forms of rugby, aussie rules and the likes.
  7. Heli-skiing
  8. Rock or snow or ice or alpine climbing performed solo, freestyle or climb without ropes and all forms of solo climbs.
  9. Sailing and/or yachting offshore.
• Excluded Occupations are mentioned below:
  1. Full time military, air force and navy personnel;
  2. Police and civil defense personnel;
  3. Aerial photographers;
  4. Motor racer, entertainer and armed security guard;
  5. Manual worker regardless of whether any machinery or tools are used including but not limited to wood working machinists, construction worker and kitchen help;
  6. Offshores rig worker, diver, firefighter and fishermen;
  7. Working onboard sea vessel or aircraft such as air crew, ship crew and shipyard worker;
  8. Working at a height above 30 feet including but not limited to roofing activities, on the scaffolding or gondola;
  9. Mine or underground worker, in tunnel or quarry;
  10. Any occupation dealing with explosives, ammunition or hazardous substances;
  11. Racing Drivers;
  12. Circus performers;
  13. War correspondents.