Benefits
1. ACCIDENTAL DEATH
When bodily injury results in loss of life of the Insured and/or Insured Person(s) in the Named Vehicle within twelve (12) calendar months from the date of accident the Company will pay the benefit according to the plan selected as per Schedule.
2. PERMANENT DISABLEMENT
When bodily injury does not result in loss of life of the Insured and/or Insured Person(s) in the Named Vehicle within twelve (12) calendar months from the date of accident but does result in any of the following losses within the said twelve (12) calendar months, the Company will pay for loss of the following according to plan selected as stated in Schedule.
Permanent total loss of use of member shall be treated as loss of member.
The aggregate of all percentages payable under Permanent Disablement benefit in respect of any one accident shall not exceed 100% of the sum insured specified in the Schedule for any one person.
In the event of a Permanent Disablement claim which subsequently result in death of the Insured and/or Insured Person in respect of the same accident, the total amount payable shall not exceed the principal sum for Accidental Death.
3. MEDICAL EXPENSES, CORRECTIVE DENTAL AND/OR COSMETIC SURGERY AND/OR AMBULANCE FEES
a) MEDICAL EXPENSES
When by reason of accidental bodily injury, the Insured and/or Insured Person(s) shall require treatment by a Medical Practitioner, confinement in a Hospital or the employment of a licensed or graduate nurse, the Company will pay the actual expenses incurred within fifty-two (52) weeks from the date of accident for such treatment, hospital charges and nursing fees.
b) CORRECTIVE DENTAL AND/OR COSMETIC SURGERY
Corrective Dental and/or Cosmetic Surgery is payable if it is recommended and performed by a licensed Orthodontist or Cosmetic Surgeon after an accidental bodily injury. This benefit shall be limited to the actual expenses reasonably incurred for such treatment and provided surgical operation is performed within six (6) calendar months from the date of accident.
c) AMBULANCE FEES
The Company will reimburse ambulance fees incurred for transporting the Insured and/or Insured Person(s) to and/or from the Hospital when necessary.
The total amount payable under Benefit 3 is limited to sum specified in the Schedule per person for any one accident.
4. HOSPITAL INCOME
The Company will pay a daily cash allowance to the Insured and/or Insured Person(s) for the period of hospitalisation not exceeding sixty (60) days per year. This benefit is payable to the Insured and/or Insured Person as a result of accidental bodily injury requires hospitalisation in a Hospital for more than twenty-four (24) hours and such hospitalisation occurs within fourteen (14) days from the date accident.
In the event the Period of Insurance is less than one (1) year, the sixty (60) days’ hospitalisation time limit shall be apportioned accordingly.
5. BEREAVEMENT ALLOWANCE
The Company will pay the sum specified in the Schedule as Bereavement Allowance to the Insured’s and/or Insured Person(s)’ next of kin or legal representative upon valid claim payable under Benefit 1 (Accidental Death).
In the event the Insured suffers death due to Ebola, SARS, Japanese Encephalitis (JE), Chikungunya, Malaria and Dengue, the sum insured under this benefit will be doubled and is payable provided it is not a declared pandemic in Malaysia.
6. COMPASSIONATE FLOOD EXPENSES
The Company will pay to the Insured the actual expenses incurred up to the sum specified in the Schedule for any one (1) incident and any one (1) period of insurance as Compassionate Flood Expenses due to damages caused by flood to the Named Vehicle as stated in the Schedule. The Insured must submit to the Company a police report on the flood incident and the original receipts for the expenses incurred.
7. OUTSTANDING CREDIT CARD BALANCE
The Company will pay the amount required to repay the Insured’s outstanding credit card billing balance which shall include interest in arrears until and including the date of accident in the event the Insured suffers death due to accident, up to the sum specified in the Schedule.
This benefit will be payable to the Insured’s next-of-kin or legal representatives. However, this benefit is only payable to the individual Insured who has credit card(s) under his/her personal name (excluding balance by supplementary cardholder(s)). This benefit shall not be payable where the association, corporation or company is the Insured under this Policy.
8. DOUBLE INDEMNITY
The Company will pay double the sum insured on Death or Permanent Disablement if the Insured and/or Insured Person(s) suffers either death or permanent quadriplegia or permanent total paralysis from the neck down in an accident involving the Named Vehicle and such accident occurs during a national public holiday in Malaysia.
9. VEHICLE BREAKDOWN ASSISTANCE AND TOWING SERVICE (WITHIN MALAYSIA ONLY)
The Insured under this Policy is entitled to the Vehicle Breakdown Assistance and Towing Service benefit, provided by the Company or service provider assigned by the Company 24 hours a day, 365 days a year within Malaysia only. This benefit will be rendered to the Insured/driver of the Named Vehicle specified in the Schedule in the event of a breakdown to the Named Vehicle during the Period of Insurance.The Insured/driver of the Named Vehicle must call the 24-hour toll free number 1-800-88-6333 to request for the necessary assistance. The vehicle breakdown assistance and towing service is for an unlimited number of events.
If the Named Vehicle has broken down, the Company will provide these services at no cost to the Insured/driver;
• Changing of flat tyres
• Replacing battery (if a new battery is required, this will be at Insured’s/driver’s expense)
• Jump starting of Named Vehicle’s engine
The cost of all other minor or major repairs including replacements parts carried out at breakdown site or service provider’s workshop is to be negotiated and agreed upon between Insured/driver and the service provider. These costs will be Insured/driver’s responsibility.
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If the Named Vehicle requires breakdown towing to complete repairs, We will arrange towing to the nearest service provider or to Insured’s/driver’s specified destination and agreed by Us within the distance limit specified in the Schedule. Any incurred summons and/or compound from any authorities and parking fees (if any) are not covered.
The Named Vehicle will not be covered for the Breakdown and Towing Assistance if:
a) the vehicle has no engine or transmission, for purpose of disposing off vehicle or towing from one
workshop to another.
b) the vehicle is in any remote area or non-gazetted road e.g. estate, plantation, jungle, basement &
roof top parking area.
c) any Act of God, catastrophes, adverse weather conditions and other factors which may be beyond
the Company or service provider’s control in rendering the necessary services.
d) if there is a power failure or mishap that may not permit the Company or service provider to render
the necessary services.
10. CAR REPLACEMENT EXPENSES
The Company will pay to the Insured the actual expenses incurred up to the sum specified in the Schedule per incident as car replacement expenses in the event of total loss or theft claim to the Named Vehicle. For reimbursement, the Insured must provide proof to the Company that the total loss or theft claim is paid/settled and the original receipt from a licensed car rental company must be submitted to the Company.
11. COMPASSIONATE ALLOWANCE FOR VEHICLE TOTAL LOSS DUE TO VEHICLE COLLISION OR THEFT
In the event of total loss due to vehicle collision or theft claim to the Named Vehicle, the Company will pay an amount equivalent to 10% of the Named Vehicle’s sum insured covered under the private vehicle motor comprehensive or third party, fire and theft insurance policy up to the sum specified in the Schedule per incident. This benefit is only payable if the Named Vehicle is insured under private vehicle motor comprehensive or third party, fire and theft policy with the AmGeneral and the motor claim is paid/settled.
12. TAXI AND CAR RENTAL EXPENSES
In the event of breakdown involving the Named Vehicle while in Malaysia and should the Insured and/or Insured Person require taxi or car rental, the Company will pay the actual expenses incurred up to the sum specified in the Schedule per incident.
For car rental expenses, the Company will only pay if
a) the Named Vehicle suffers breakdown one hundred (100) kilometres from the Insured’s/driver’s
permanent home address in Malaysia and the incident occurs during his/her business or leisure trip;
and
b) repair takes more than forty-eight (48) hours.
Reimbursement under this benefit is limited to three (3) times a year and original receipt from the licensed taxi and car rental company/operator must be submitted to the Company for reimbursement.
Unless the vehicle breakdown assistance and towing service is specifically excluded under Benefit 9, this benefit is only payable if the vehicle breakdown assistance and towing service is rendered by the Company or service provider assigned by the Company.
13. HOTEL ACCOMMODATION EXPENSES FOR VEHICLE BREAKDOWN IN MALAYSIA
In the event of breakdown involving the Named Vehicle in Malaysia and should the Insured and/or Insured Person require hotel accommodation, the Company will pay the actual expenses incurred up to the sum specified in the Schedule per incident only if
a) the Named Vehicle suffers breakdown one hundred (100) kilometres from the Insured’s/driver’s
permanent home address in Malaysia and the incident occurs during his/her business or leisure trip;
and
b) repair takes more than forty-eight (48) hours.
Reimbursement under this benefit is limited to three (3) times a year and original receipt from the licensed hotel operator must be submitted to the Company for reimbursement.
Unless the vehicle breakdown assistance and towing service is specifically excluded under Benefit 9, this benefit is only payable if the vehicle breakdown assistance and towing service is rendered by the Company or service provider assigned by the Company.
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14. HOTEL ACCOMMODATION EXPENSES FOR VEHICLE BREAKDOWN IN THE REPUBLIC OF SINGAPORE
In the event of breakdown involving the Named Vehicle while in the Republic of Singapore during Insured’s and/or Insured Person’s business or leisure trip and should the Insured and/or Insured Person require hotel accommodation, the Company will pay the actual expenses incurred up to the sum specified in the Schedule per incident. This benefit is payable if the repair takes more than 24 hours from the time of breakdown and the following documents are submitted to the Company:
a) confirmation in writing from the attending licensed repairer that the repair requires more than twenty-four (24) hours and to provide the breakdown details.
b) original receipts from the vehicle repairer and licensed hotel operator.
Reimbursement under this benefit is limited to three (3) times a year.
15. REFERRAL ASSISTANCE PROGRAM
The Insured under Plan A, B and C of this Policy is entitled to the Referral Assistance Program, arranged by AmGeneral with Asia Assistance Network (M) Sdn Bhd (AAN), 24 hours a day, 365 days a year within Malaysia only. This benefit will be rendered to the Insured/driver of the Named Vehicle during the Period of Insurance. The Insured/driver of the Named Vehicle must call Kurnia Auto Assist using our 24-hour toll free number 1-800-88-6333 to request for the referral assistance services. The Company shall not be responsible or liable in any way whatsoever in the event of any failure by AAN to render the services or any negligence or wilful default due to any reason whatsoever on the part of AAN in rendering the services. The Company may change the service provider from AAN to another service provider at any time by giving notice of the change. The list of referral assistance services under this benefit are as follows:
a) Taxi and Car Rental Assistance
In the event of breakdown involving the Named Vehicle, upon request from the Insured and/or Insured Person, AAN shall assist to arrange for taxi transfer and/or referral to a car rental company. The Insured and/or Insured Person shall pay for the expenses incurred and obtain reimbursement from the Company under Benefit 12 (Taxi and Car Rental Expenses), subject always to the benefit sum insured, terms and conditions.
b) Arrangement for Hotel Accommodation
In the event of breakdown involving the Named Vehicle, upon request from Insured and/or Insured Person, AAN shall assist to arrange for hotel reservation. The Insured and/or Insured Person shall pay for the expenses incurred and obtain reimbursement from the Company under Benefit 13 (Hotel Accommodation Expenses for vehicle breakdown in Malaysia), subject always to the benefit sum insured, terms and conditions.
c) Arrangement for Emergency Evacuation
In the event the Insured and/or Insured Person is hospitalised following a vehicle breakdown or accident involving the Named Vehicle, upon request, AAN shall arrange to transfer the Insured and/or Insured Person from an inadequate medical facility to the nearest adequate medical facility. The Insured / Insured Person shall pay for the expenses incurred. All emergency evacuation expenses incurred as a result of vehicle breakdown shall be borne by the Insured and/or Insured Person. For Emergency evacuation expenses as a result of an accident, the Insured and/or Insured Person may obtain reimbursement from the Company under Benefit 3c (Ambulance Fees), subject always to the benefit terms and conditions.
d) Referral to Service Centre and Car Rental Company
Insured or driver may contact AAN to arrange for appointment with or referral to the nearest repair and service centres in Malaysia for car servicing or repair. Should the Insured/driver require a car replacement in the event of accident involving the Named Vehicle, AAN shall arrange for referral to the nearest car rental company in Malaysia.
All cost to be borne by Insured/driver.
e) Emergency Message Transmission
In the event of breakdown or accident involving the Named Vehicle, upon request, AAN shall assist the Insured/driver in keeping his/her family informed.
16. COMPASSIONATE COVER FOR SMASH AND GRAB
In the event the Named Vehicle’s window and/or windscreen is/are broken by any third party by use of force whilst the Named Vehicle is Attended to On the road, We will:
i) pay the Insured the lump sum specified in the Schedule as compassionate allowance. Our liability under Benefit 16(i) shall be limited to one (1) claim in any one (1) period of insurance.
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ii) pay the Insured and/or Insured Person the lump sum specified in the Schedule as compassionate allowance limited to one (1) claim in any one (1) period of insurance for loss or damage to Insured and/or Insured Person’s personal effects and/or loss of cash in their possession.
When making a claim, a police report which includes the details of the event and losses suffered by the Insured Person is required. The Insured / Insured Person must make a police report within twenty-four (24) hours from the time of the incident except for reasons acceptable to Us.
17. CAR LOAN PROTECTION
In the event of a claim admissible under Benefit 1 (Accidental Death) and Benefit 2 (Permanent Disablement), for Insured only, We will pay to the Insured or Insured’s legal representatives the hire purchase instalments payable for the Named Vehicle which shall include all principal and interest due for the next instalments up to the benefit amount specified in the Schedule.
If the claims settlement amount exceeds the instalment amount payable under the Hire Purchase Agreement, We shall pay the balance of the claims settlement amount to the Insured or Insured’s legal representatives.
The Insured or Insured’s legal representatives must submit to Us a copy of the Hire Purchase Agreement and latest Statement of Account.
In the event the Named Vehicle is not under hire purchase, We shall then pay the benefit payable as specified under the Schedule lump sum to the Insured or Insured’s legal representatives
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