Welcome to Tune TrIP (Tune Travel Insurance Plan) Thank you for insuring with Tune TrIP. You can feel confident you’ve made the right choice. Tune TrIP 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 TrIP.
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
TABLE OF BENEFITS: WORLDWIDE
TRAVEL
Summary of benefits 1
PERSONAL ACCIDENT BENEFIT Accidental Death or Permanent Disablement
300,000 NEW (Age 18 to 65)
300,000 NEW (Age 18 to 65)
150,000 NEW (Age 66 to 75)
150,000 NEW (Age 66 to 75)
CHILD (30 DAYS TO 21 YEARS)
-
62,500
Maximum per family
-
900,000
NEW
60,000
NEW
Insured Person / Spouse
2 (a)
TRAVEL INCONVENIENCES TRIP CANCELLATION Reimbursement for loss of irrecoverable deposits or charges paid in advance
(b)
TRIP CURTAILMENT Reimbursement for unused and non-refundable expenses
(c)
Worldwide Sum Insured (MYR) Individual Plan Family Plan
20,000
NEW
18,000
54,000
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
5,000 NEW (Excess 50 per insured)
15,000 NEW (Excess 50 per insured)
* Applicable for Worldwide Plan ONLY ii) BAGGAGE DELAY Pays if your checked -in baggage is delayed, misdirected or temporarily misplaced by airline upon arrival at your destination abroad (d)
Up to 1,000 (200 every 6 consecutive hours of delay)
Up to 3,000 (200 every 6 consecutive hours of delay)
Up to 250
Up to 500
1,000
1,000
BAGGAGE DAMAGE BY COMMON CARRIER Pays if your checked in bag is lost or damaged due to the negligence of the common carrier
(e)
LOSS OF PERSONAL MONEY Pays for loss of money due to theft
(f)
i) LOSS OF TRAVEL DOCUMENT Pays for reasonable and necessary expenses incurred for replacement of passport / visa, communication and accommodation ii) LOSS OF CREDIT CARD Pays you for the fraudulent usage of your credit card
(g)
TRAVEL DELAY Pays if the scheduled public conveyance is delayed for more than 6 consecutive hours
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
5,000
NEW
5,000
NEW
5,000
NEW
5,000
NEW
3,000 NEW (200 every first 3 consecutive hours of delay); (200 every 6
9,000 NEW (200 every first 3 consecutive hours of delay); (200 every 6
3 (a)
MEDICAL BENEFITS (ACCIDENTAL & *SICKNESS) MEDICAL EXPENSES REIMBURSEMENT Reimbursement of medical, hospital and treatment expenses (including the cost of emergency dental treatment)
FOLLOW UP TREATMENT IN MALAYSIA (MAXIMUM OF 30 DAYS) Reimbursement of follow up treatment in Malaysia
consecutive hours of consecutive hours of delay) delay) * Applicable for Worldwide Plan ONLY 300,000 (age 18 to 65)
300,000 (age 18 to 65)
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) 50,000 NEW 50,000 NEW (age 18 to 65) (age 18 to 65) 25,000 NEW 25,000 NEW (age 66 to 75) (age 66 to 75) 150,000 NEW (overall family limit)
ALTERNATIVE MEDICINE Reimbursement of medical expenses by a registered traditional medicine practitioner, osteopath, physiotherapist and or chiropractor
(b)
1,000
NEW
3,000 NEW (overall family limit)
EMERGENCY MEDICAL EVACUATION i) EMERGENCY MEDICAL EVACUATION Emergency transportation and medical care to the nearest medical facility
500,000
NEW
1,500,000
NEW
500,000
NEW
1,500,000
NEW
ii) EMERGENCY MEDICAL REPATRIATION In the event the Insured is hospitalised abroad and is medical necessary to be repatriated back to Malaysia to continue treatment, we will pay for reasonable transportation cost of one qualified medical attendant. iii) MORTAL REMAINS REPATRIATION Pays for the cost of repatriation of mortal remains to Malaysia including the cost of burial, embalming, casket
500,000
NEW
1,500,000
and ceremonies if it is mandated by legislation. (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.
(d)
5,000
5,000
5,000
5,000
COMPASSIONATE VISIT DUE TO INSURED PERSON'S DEATH
In the event the Insured's death at overseas, reimbursement For one person's accommodation, communication, travel and meals to assist on the repatriation and burial or cremation
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
NEW
(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
(f)
Pays for each complete days if you are confined in the hospital for more than 24 hours
10,500 NEW (350 per full day)
31,500 NEW (350 per full day)
1,000,000
1,000,000
3,000
3,000
PERSONAL LIABILITY Indemnifies you for legal liability arising from accidental bodily injury or accidental property damage to third party
5
5,000
HOSPITAL ALLOWANCE (UP TO MAXIMUM OF 30 FULL DAYS)
4
5,000
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
6
NEW
NEW
TRAVEL ASSISTANCE SERVICES 24/7 TRAVEL ASSISTANCE Enquire on visa requirement, medical advice, inoculation requirements that may be needed prior to your travel
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
INCLUDED
INCLUDED
TABLE OF BENEFITS: DOMESTIC
TRAVEL
Summary of benefits 1
Domestic Sum Insured (MYR) Individual Plan Family Plan
PERSONAL ACCIDENT BENEFIT Accidental Death or Permanent Disablement Insured Person / Spouse
2
150,000
NEW
150,000
NEW
(Age 18 to 65)
(Age 18 to 65)
75,000
75,000
NEW
NEW
(Age 66 to 75)
(Age 66 to 75)
CHILD (30 DAYS TO 21 YEARS)
-
25,000
Maximum per family
-
450,000
5,000
15,000
5,000
15,000
1,000
3,000
(Excess 50
(Excess 50
per insured)
per insured)
Up to 200
Up to 600
(50 every 6 consecutive hours of delay)
(50 every 6 consecutive hours of delay)
Up to 150
Up to 450
N/A
N/A
N/A
N/A
N/A
N/A
NEW
TRAVEL INCONVENIENCES
(a)
TRIP CANCELLATION Reimbursement for loss of irrecoverable deposits or charges paid in advance
(b)
TRIP CURTAILMENT Reimbursement for unused and non-refundable expenses
(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 ii) BAGGAGE DELAY Pays if your checked -in baggage is delayed, misdirected or temporarily misplaced by airline upon arrival at your destination abroad
(d)
BAGGAGE DAMAGE BY COMMON CARRIER Pays if your checked in bag is lost or damaged due to the negligence of the common carrier
(e)
LOSS OF PERSONAL MONEY Pays for loss of money due to theft
(f)
i) LOSS OF TRAVEL DOCUMENT Pays for reasonable and necessary expenses incurred for replacement of passport / visa, communication and accommodation ii) LOSS OF CREDIT CARD Pays you for the fraudulent usage of your credit card iii)
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
(g)
TRAVEL DELAY Pays if the scheduled public conveyance is delayed for more than 6 consecutive hours
3 (a)
MEDICAL BENEFITS (ACCIDENTAL & *SICKNESS) MEDICAL EXPENSES REIMBURSEMENT Reimbursement of medical, hospital and treatment expenses (including the cost of emergency dental treatment)
600
NEW
1,800
NEW
(200 every first
(200 every first
3 consecutive hours of delay);
3 consecutive hours of delay);
(200 every 6 consecutive hours of delay)
(200 every 6 consecutive hours of delay)
* Applicable for Worldwide Plan ONLY 25,000
25,000
(age 18 to 65)
(age 18 to 65)
12,500
12,500
(age 66 to 75)
(age 66 to 75) 75,000 (overall family limit)
(excess 50 per insured person) FOLLOW UP TREATMENT IN MALAYSIA (MAXIMUM OF 30 DAYS)
3,000
NEW
9,000
NEW
Reimbursement of follow up treatment in Malaysia ALTERNATIVE MEDICINE Reimbursement of medical expenses by a registered traditional medicine practitioner, osteopath, physiotherapist and or chiropractor (b)
250
NEW
750
NEW
(overall family limit)
EMERGENCY MEDICAL EVACUATION i) EMERGENCY MEDICAL EVACUATION Emergency transportation and medical care to the nearest medical facility
100,000
NEW
150,000
NEW
100,000
NEW
150,000
NEW
100,000
NEW
150,000
NEW
ii) EMERGENCY MEDICAL REPATRIATION In the event the Insured is hospitalised abroad and is medical necessary to be repatriated back to Malaysia to continue treatment, we will pay for reasonable transportation cost of one qualified medical attendant. 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. (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.
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
1,000
NEW
1,000
NEW
(d)
COMPASSIONATE VISIT DUE TO INSURED PERSON'S DEATH
In the event the Insured's death at overseas, reimbursement For one person's accommodation, communication, travel and meals to assist on the repatriation and burial or cremation (e)
Pays for each complete days if you are confined in the hospital for more than 24 hours
NEW
N/A
N/A
900
NEW
2,700
NEW
(30 per full day)
(30 per full day)
200,000
200,000
N/A
N/A
INCLUDED
INCLUDED
PERSONAL LIABILITY Indemnifies you for legal liability arising from accidental bodily injury or accidental property damage to third party
5
1,000
HOSPITAL ALLOWANCE (UP TO MAXIMUM OF 30 FULL DAYS)
4
NEW
CHILD CARE BENEFIT Pays for additional expenses to accompany your child / children back to Malaysia if the child suffers from sickness or illness abroad
(f)
1,000
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
6
TRAVEL ASSISTANCE SERVICES 24/7 TRAVEL ASSISTANCE Enquire on visa requirement, medical advice, inoculation requirements that may be needed prior to your travel
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
Tune TrIP TRAVEL INSURANCE (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 TrIP Insurance 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 TrIP Travel Insurance from Tune TrIP, (hereinafter referred to as “Tune TrIP”) 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 Disablement.
“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 purpose, which is titled “Itinerary” is generated upon an internet purchase. 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
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 on-line purchase of the Tune TrIP Travel Insurance Policy (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
From the Time of departure to the date of return to Malaysia. “Bodily injury”
Shall mean injury suffered by
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
consequences of martial law. “Child/Children”
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.
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 fixedwing 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
“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 :
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
(i) (ii)
(iii)
(iv)
Holds a valid license (As required by law); Operates primarily for the care and treatment of sick or injured persons ; Has a staff of one or more Physicians available at all Times ; 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 prearranged 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 Means an Insured Person’s:Member” (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.
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
“Insured Tune TrIP Guest”
Refers to the covered guest who has been issued with an Tune TrIP Insurance Certificate of Insurance after submission of an on-line proposal for coverage under the Master Policy arrangements for Tune TrIP, and has purchased The insurance cover.
“Insured Person”
Means an Insured Tune TrIP Guest who has been issued with a Tune TrIP Travel Insurance Certificate of Insurance for that scheduled flight(s).
“Worldwide cover”
Travel outside of Malaysia to:Asia Pacific – Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, China (excluding Mongolia, Nepal & Tibet), Hong Kong, India, Indonesia, Japan, Korea, Krygzstan, Laos, Macau, Maldives, Myanmar, New Zealand, Pakistan, Philippines, Sikkim, Singapore, Sri Lanka, Taiwan, Timor Leste, Thailand, Uzbekistan, Vietnam. Worldwide (Excluding USA & Canada) Excluding Mongolia, Nepal & Tibet Worldwide (Including USA & Canada) Excluding Mongolia, Nepal & Tibet
“Mountain Sickness”
“Pandemic”
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. 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. (i) Emergence of a disease new to a population. (ii) Agents infect humans, causing Serious illness (iii) Agents spread easily and sustainably among humans. “Physician”
“Pre-Existing Condition”
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. 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
“Reasonable and Customary Charges”
“Scheduled Time”
prescribed drugs or medicine. 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. 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”
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
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”
“Trip”
Any reference to a Time or a date in the policy context or in the context of a coverage period refers to Malaysian Time
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
The cover commences on the First Departure date for a Schedule Flight as stated in Certificate of Insurance.
Expiry of Cover
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
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
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 Provided that:SECTION 1 - evacuation BENEFITS
1) such death or disablement occurs within one hundred and eighty (180) calendar
In the event of an Accident happening during the
days immediately after the date of
Trip, if the Insured Person suffers bodily injury which
Accident causing such death or
results in his death or disablement, the Company
disablement ;
will, subject to the exclusions, limitations, provisions and terms of the Policy, pay Compensation as provided in the Table of Compensation below:
2) 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
Table of Compensation Events
Percentage of Amount of Benefit 100%
1
Accidental Death
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
5
Permanent Total Disablement, other than loss of sight or limb
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,
100% 100%
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
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.
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
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
residence in Malaysia or destination of planned
BENEFIT
trip
In addition to the benefits provided under the
3) any event excluding strike which:
above Section, the Insured Person will be covered
(i) leads to widespread violence;
for the Air Travel Inconvenience Insurance for the
(ii) is not due to reasons for purposes of
following benefit events as specified below:
asserting sovereign rights and/or operating on behalf of a sovereign state;
Section 2 (a) – Trip Cancellation
(iii) put your life in danger; and (iv) following the advise and/or warning of the
The Company will reimburse the Insured Person up
Malaysian government or the government
to the limit stated in the Schedule of Benefits, for
of the destination country declaring unsafe
loss of irrecoverable deposits or charges paid in
conditions for travel through or by general
advance or contracted to be paid for the Trip only
mass media;
in the event of necessary and unavoidable cancellation of all or one following :-
4) natural disasters including but not limited to
(i) air-ticket
volcanic eruption, flood, earthquake, tsunami,
(ii) hotel
hurricane or wildfire occurring at destination of
(iii) tours
planned Trip.
(iv) car rental For the purposes of item (1) to (4), if any of the arising from causes beyond the Insured Person’s
above occurs within 14 days prior to the original
control occurring after this insurance has been
Scheduled Time of departure from Malaysia as
effected which is as a result of:-
stated in the policy schedule or Certificate of Insurance. Please note that in relation to item (3)
1) a disability resulting in:
and (4), such claims should be made against
(i) death;
relevant parties prior to us making any payment
(ii) permanent total disablement; or
under this benefit. Such claims must be submitted
(iii) an admission as an in-patient in a Hospital
with proof of compensation received from these
where such admission is medically
relevant parties or if such compensation is denied,
necessary;
proof of such denial.
occurring to the Insured Person, their Immediate
The Company will reimburse the reasonable and
Family Members or Travel Companion within 14
necessary travel and accommodation expenses
days prior to original scheduled departure from
which have been paid in advance and/or not
Malaysia as stated in the policy schedule or
recoverable from any relevant parties up to the
Certificate of Insurance.
amount specified in Section 2 (a) of the schedule of benefits.
2) a fire or natural disaster resulting in serious damage to the Insured Person’s place of
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
Special Exclusions applicable to Section 2(a) – Trip Cancellation
(1a) a disability resulting in: (i) death;
The Company shall not be liable for any loss
(ii) permanent total disablement;
resulting directly or indirectly (in whole or in part)
(iii) an admission as an in-patient in a
from:-
(iv) Hospital for at least 48 hours where such admission is medically necessary;
i.
criminal acts committed by the Insured Person;
ii.
war, riot, popular movements, terrorist
(v) quarantined for at least 48 hours as advised by the doctor or Physician; or (vi) recommendation by the attending doctor
acts;
or Physician to return Home and is deemed
iii.
any-existing medical conditions ;
reasonable by us;
iv.
any effect of a source of radioactivity;
occurring to you, your Immediate Family
v.
pollution ;
Members or Travel Companion;
vi.
Epidemics ;
vii.
Pandemic ;
(2b) a fire or natural disaster resulting in serious
viii.
bankruptcy;
damage to your place of residence in Malaysia or
ix.
climatic events such as lack of snow, etc.;
destination of the planned trip;
x.
for any loss which is compensated by the airline operator
(3c) any event excluding strike which: (i) leads to widespread violence;
Section 2 (b) – Trip Curtailment
(ii) is not due to reasons for purposes of asserting sovereign rights and/or operating
The Company will reimburse the Insured Person up
on behalf of a sovereign state;
to the limit stated in the Schedule of Benefits, for
(iii) put your life in danger;
loss of irrecoverable deposits or charges paid in
(iv) occurs after departure from Malaysia; and
advance or contracted to be paid for the Trip only
(v) following the advise and/or warning of the
in the event of necessary and unavoidable
Malaysian government or the government
cancellation of all or one of following :-
of the destination country declaring unsafe
i) air-ticket
conditions for travel through or by general
ii) hotel
mass media;
iii) tours iv) car rental
(4d) natural disasters including but not limited to volcanic eruption, flood, earthquake, tsunami,
arising from causes beyond the Insured Person
hurricane or wildfire occurring at destination of
control occurring after this insurance has been
planned Trip.
effected which is as a result of Please note that in relation to item (3c) and (4d), If the Insured Person (s) are prevented from
such claims should be made against relevant
continuing the Trip and return directly to Malaysia
parties prior to us making any payment under this
due to:
benefit. Such claims must be submitted with proof
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
of compensation received from these relevant
This policy will only pay for one claim made either
parties or if such compensation is denied, proof of
under Section 2 (a) or Section 2 (b) above.
such denial. At no Time, we will reimburse you more than the amount specified in Section 2 (i) of the
Section 2 (c) – Baggage and Personal
schedule of benefits.
Effects
The Company will reimburse the reasonable and
Section 2 (c) (i) Loss or damage to baggage,
necessary:
personal effects of Insured Person
unused and non-refundable expenses which is
The Company will indemnify the Insured Person for
paid in advance and not recoverable from any
up to the maximum limit as specified for
relevant parties;
Baggage and Personal Effects in the Schedule of Benefits subject to an excess and limits as
Up to the amount specified in Section 2 (b) of the
stipulated in the Schedule of benefits.
schedule of benefits. This is in consequence of Special Exclusions applicable to Section 2(a) Trip
(a) a Theft or damage due to a Theft or an
Cancellation and Section 2(b) Trip Curtailment
attempted Theft; (b) loss or damage to the Insured Person’s
We will not pay for claims arising directly or
baggage, clothing and registered personal effects,
indirectly from, in respect of, or due to:
whether checked in or hand carried, caused by an
1. Government regulation or Act, delay or
airline operator or Common Carrier.
amendment of the booked Trip (excluding error, omission or default)by the provider of
Provided that these items must travel together with
any service forming part of the booked Trip
the Insured Person during the Trip. At the sole
as well as the travel agent or tour operator
discretion of the Company, the basis of indemnity
through whom the Trip was booked.
shall be either the lesser of the cash value of the
2. Bankruptcy,
insolvency,
liquidation
or
default of travel agencies or Common Carrier. obligation or those of your travelling companion. circumstances. of
(ii) the cost of replacement of a similar make and model; or (iii) the cost of repair of the items,
4. Your disinclination to travel or financial result
(i) the original cash value of the items less depreciation; or
3. Your business, financial or contractual
5. A
items or equivalent to:-
as determined by the sole discretion of the Company.
unlawful
act
or
criminal
proceedings of any person on whom the
Where any item consists of articles in a pair or set,
booked
than
the Company shall not be liable to pay more than
attendance, under the subpoena as a
the proportionate value of any particular part or
witness at a court of law
parts which may be lost, without reference to any
Trip
depends
other
special value which such article may have as a
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
part of such pair or set. The Company may at its
10. hand-held
mobile telephones,
pagers,
option elect to either repair or replace any part, to
portable computer equipment including
restore the pair or set to its value before the loss or
personal digital assistant and its accessories
pay the difference between the cash value of the
11. keys
loss or damage of covered baggage and personal
12. musical
instruments,
effects before and after the loss. All jewelry, articles
antiques,
consisting in whole or in part of silver, gold, or
sculptures
platinum objects made with precious materials,
13. traditional
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
objects
collector’s herbs,
items,
of
art,
furniture,
perishables
and
consumables 14. ski sets, bicycles, sailboards, golf clubs, tennis
rackets
and
other
sporting
equipment .
or pictures and its accessories, are only covered
Note: Golf Clubs – This exclusion is not applicable
against Theft if such item or equipment are
for Worldwide Cover Plan.
physically carried along personally by the Insured Person during the Trip.
(b) The company shall not be liable for any loss or damage resulting from:-
Special Exclusions applicable to Section 2 (c)(i) –
1. breakage of brittle or fragile articles,
Loss or Damage to Baggage and Personal
cameras, musical instruments, radios and
Effects
such similar property 2. confiscation or expropriation by order of
(a) This insurance does not cover:-
any government or public authority
1. Animals
3. criminal acts
2. Automobiles and automobile equipment,
4. gradual deterioration or fair wear and tear
trailers and caravans, boats and other
5. insects or vermin
means of transport equipment
6. inherent vice or damage
3. contraband or illegal goods
7. mysterious disappearance
4. document, identity papers. Credit and
8. transportation of contraband or illegal
payment cards, transport tickets, cash, stocks and securities 5. equipment for professional use
trade 9. seizure whether for destruction under quarantine or custom regulation or not
6. eye glasses, contact lenses, hearing aids, prosthetic limbs, artificial teeth or dental
(c) The company shall be not be liable for any loss
bridges
of or damage to property which, at the Time of the
7. toiletries, cosmetics of any kind
happening of such loss or damage, is insured by or
8. accessories of any kind including fashion
would, but for the existence of this Insurance, be
accessory 9. films, tapes, cassettes, cartridges or discs, pen-drive, memory card and the like
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
insured by any other insurance policy or policies, or otherwise reimbursed/replaced by the airline operator.
Section 2 (c) (ii) Baggage Delay
damaged item, up to the amount specified in Section 2 (d ) of the schedule of benefits. For loss or
The Company will indemnify the Insured Person
damage due to Common Carrier’s negligence,
RM 200 (Worldwide Cover) or RM50 (Domestic
the baggage must be checked-in with the
Cover) for every six (6) complete hours whereby
Common Carrier.
their checked-in baggage is delayed, misdirected or temporarily misplaced by the
The Company will pay the original purchase of the
airline operator the Time of their arrival at the
lost item given the provision of an original receipt
scheduled destination abroad till the Time the
otherwise
Insured Person received their baggage. The
depreciation value made solely at the Company’s
maximum amount payable is up to the limit
discretion.
reimbursement
is
based
on
the
stated in the Schedule of Benefits. For loss or damage due to the Common Carrier, Special Exclusions applicable to Section 2 (c)(ii)
the claim should be made against the Common
– Baggage Delay
Carrier first prior to us making any payment under this benefit. Such claims must be submitted with
The Company shall not be liable for claims in
proof
respect of:
Common Carrier or if such compensation is denied,
1. Baggage delay not immediately reported to the airline operator. 2. confiscation customs,
or
compensation
received
from
the
proof of such denial. At no Time, the Company will reimburse the Insured Person for more than the
detention
immigration
of
and/or
by
amount specified in Section 2 (d) of the schedule
public
of benefits.
authorities 3. Baggage delay on your return journey to Malaysia. 4. Your failure to obtain a written confirmation
Special Exclusions applicable to Section 2 (d) – Baggage Loss / Damage by Common Carrier :
from the carriers or their handling agents on the actual date and Time of baggage
For purposes of Section 2 (d), the Company will not
delivery.
pay benefits for a loss due to or expenses incurred for:
This policy will only pay for one claim made either under Section 2 (c) (i) or Section 2 (c) (ii) above.
1) loss to baggage sent in advance, mailed or shipped separately 2) loss to baggage left unattended in any
Section 2 (d) Baggage Loss / Damage By Common Carrier
place of which the general public have free access to; 3) loss by Theft from an unattended vehicle;
If the Insured Person’s baggage while on a Trip is
4) confiscation, detention, destruction by
lost or damaged due to the negligence of the
customs,
Common Carrier, at the Company’s discretion we
authorities; and
will either reimburse for the purchase cost of the lost item or reimburse the repair cost of the
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
immigration
5) mysterious disappearance.
or
and/or
public
unexplainable
Section 2 (e) – Loss of Personal Money Special Exclusions applicable to Section 2 (d) – The Company will reimburse the Insured Person up
Baggage Loss / Damage by Air Common Carrier,
to the limit as specified for Loss of Personal Money
Section 2 (e) – Loss of Personal Money & Section
in the Summary of Benefit for actual loss of cash,
2 (f)(i) - Loss of Travel Document
bank or currency notes, travelers cheques, postal or money orders during the Trip provided that :-
The Company shall not pay for claims in respect of:
a) the items are within the Insured Person’s control or custody at all Times ; and
1. Loss or damage arising from delay or confiscation or detention by Customs or
b) the items must not be left unattended ; and c) such loss is reported to the police having
other Officials. 2. Loss or damage whilst in the custody of an
jurisdiction at the place of loss immediately
airline or other carrier, unless reported
but in no case be later than 24 hours after
immediately on discovery and in the case
the
be
of airline a Property Irregularity Report is
accompanied by written documentation
obtained. A claim must be made against
from the Police.
the carriers and other relevant authorities.
incident.
Any
claim
must
3. Losses not reported to the police within 24 Special Exclusion applicable to Section 2(e) –
hours and report not obtained at the place
Loss of Personal Money
of loss. 4. Loss or Theft of property left unattended in
The Company shall not be liable for any loss of cash,
a Public Place or in an unattended vehicle
bank or currency notes, travellers cheques, postal
or as a result of your failure to take due
or money orders kept in the check-in baggage
care and precautions for the safeguard
with a Common Carrier.
and security of such property. 5. Loss or damage to property otherwise
Section 2 (f) (i) – Loss of Travel Document
reimbursed by a Common Carrier or a hotel.
The Company will reimburse the Insured Person up to the limit stated in the Schedule of Benefits for the
Section 2 (f) (ii) - Loss of Credit Cards
loss of travel document due to Theft and shall reimburse the reasonable and necessary expenses
If the Insured Person suffers financial loss as a direct
incurred for :-
result of the fraudulent use of his / her credit card(s)
i.
replacement of such passport and/or visa
following Theft during the Trip, the Company will
ii.
communication
pay for such loss up to the limit stated in the
iii.
meals and/or accommodation
schedule of benefits.
iv.
travel at the place of loss
for
the
purpose
of
obtaining
replacement
Any claim must be accompanied by a report
passports, travel tickets and other relevant travel
issued by the card company(s) evidencing the loss.
documents up to the maximum limit as specified for Loss of Travel Document in the Summary of Benefit.
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
Special Exclusions applicable to Section 2 (f) (ii)– Loss of Credit Cards
3. Late arrival of the Insured Person at the Common Carrier Terminal after check-in or booking-in Time.
The Company will not pay for any loss: 1. If the loss or Theft credit card is not reported to the credit card issuing company within
SECTION 3 – MEDICAL AND EVACUATION EXPENSES
three (3) hours from the Time of Theft 2. Losses recoverable from any other sources Section 2 (g) – Travel Delay
Section 3 (a) - Medical Expenses Reimbursement THE LIMITS INDICATED IN THE SCHEDULE OF BENEFITS IS INCLUSIVE OF CHARGES FOR SERVICES
If
the
departure
of
the
scheduled
public
PROVIDED BY ASIA ASSISTANCE NETWORK (AAN)
conveyance in which the Insured Person has arranged to travel is delayed from the Time
The Company will indemnify the Insured Person
specified in the itinerary supplied to him/her, The
subject to an excess up to the maximum limit that
company will pay RM200 for the first three (3)
is stipulated in accordance to the below
consecutive hours of delay and RM200 for every six
mentioned respective Schedule of Benefit.
(6) consecutive hours of delay up to the limit stated in the Schedule of Benefits. The delay must be
Domestic Cover
verified in writing by the operator(s) of the
Medical , Hospital and treatment expenses
conveyance or their handling agent(s) on the
(including cost of emergency dental treatment
number of hours delayed. If the Insured Person is
for the alleviation of sudden pain but excluding
entitled to a refund of all or part of such expenses
replacement of dentures and crowns), necessarily
from another source, the Company will only be
incurred giving rise to a claim as a direct result of
liable for the excess of the amount recoverable
ONLY accidental bodily injury sustained by the
from such other source.
Insured Person.
Special Exclusions applicable to Section 2 (g) –
Worldwide Cover
Travel Delay
Medical, Hospital and treatment expenses (including cost of emergency dental treatment
The Company will not pay for claims arising
for the alleviation of sudden pain but excluding
directly or indirectly from, in respect of, or due to:
replacement of dentures and crowns) necessarily
1. The Insured Person failure to check in
incurred outside Malaysia giving rise to a claim as
according to the itinerary supplied to
a direct result of accidental bodily injury or Illness
him/her or failure to obtain a written
sustained by the Insured Person.
confirmation from the carriers or their handling agents of the number of hours of
Alternative Medicine
delay 2. Strike, riot or industrial action
Alternative medicine expenses will also be covered under Section 3 (a) with a sub-limit of RM1,000.00 for Individual Plan (Worldwide) /
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
RM3,000.00 for Family Plan (Worldwide) and
Asia Assistance will organize for an emergency
RM250.00 for Individual Plan (Domestic Cover) /
medical transport to the nearest medical facility
RM750.00 for Family Plan (Domestic Cover) but
that is adequately equipped to treat the Insured
subjected to adequacy of overall Medical
Person’s medical condition. The type of
Expenses Reimbursement limit under Section 3 (a)
transportation will depend on the availability and
of Schedule of Benefits.
the gravity of the Insured Person’s condition. *applies for Worldwide Cover only
Necessary alternative medical treatment expenses incurred as a result of an Accident up to
3 (b) (ii) Emergency Medical Repatriation
the sublimit stated above where treatment is carried out by a registered traditional medicine
In an event that the Insured Person is hospitalized
practitioner, osteopath, physiotherapist and/or
abroad due to an Accident or Sickness* and it is
chiropractor provided treatment is first sought
medically necessary for him/her to be repatriated
from a Medical Practitioner in the first instance.
back to Malaysia to continue treatment, the
This benefit excludes treatment prescribed by
Company will pay the reasonable and necessary
someone who is the Insured Person
repatriation
himself/herself or an Immediate Family Member of
transportation cost of one qualified medical
the Insured Person. The claim must be
attendant. In the event of emergency medical
accompanied with an official payment receipt.
repatriation, Asia Assistance Network (AAN) must be
costs
contacted
including
the
immediately
to
reasonable
approve
all
Follow Up Treatment in Malaysia (Applicable for
Emergency Medical Repatriations. The Company
Worldwide Cover Only)
retains the right to decide whether emergency medical repatriation is required or not.
The maximum sum payable for medical expenses
*applies for Worldwide Cover only
for follow-up treatment incurred in Malaysia must be within 30 days from the expiry date of the
3 (b) (iii) Mortal Remains Repatriation
respective Tune TrIP (Tune Travel Insurance Plan) and not exceeding 10% of the limit as specified
In the event of death of the Insured Person due to
under
Expenses
an Accident or Sickness* during the Trip, Asia
Reimbursement in the Schedule of Benefits. The
Assistance will organize the repatriation of his/her
amount is a sub-limit of the aggregate total
mortal remains to his/her habitual residence in
payable under the Schedule of Benefits for
Malaysia subject to the maximum limit as specified
Medical Expenses Reimbursement.
for
Section
3
(a)
Medical
Emergency
Medical
Evacuation
and
Repatriation in the Summary of Benefit. The process Section 3 (b) – Emergency Medical Evacuation
of burial, embalming, basic casket are covered if it
and Repatriation
is
mandated
by
legislation
or
regulation.
Ceremonies and ritual rites are not covered in the 3 (b) (i) Emergency Medical Evacuation
repatriation coverage.
In the event that an Insured Person requires
*applies for Worldwide Cover only
evacuation in a medical emergency due to an Accident or Sickness* occurring during the Trip,
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
Special Exclusion applicable to Section 3 (b) (i) –
Emergency Medical Evacuation, Section 3 (b) (ii)
3 ( c ) or Section 3(d) but not both.
- Emergency Medical Repatriation and Section 3 (b)
(iii)
–
Mortal
Remains
Repatriation
The
Section 3 (e) – Child Care Benefit
Company will not pay for claims in respect of Emergency Medical Evacuation and Repatriation
If the Insured Person suffers from a Sickness /illness
due to any form of Mountain Sickness.
while on an Overseas Trip, the Company will reimburse the maximum amount specified under
This Policy will only pay for one claim from Section
3(e) of the Schedule of Benefit, for the reasonable
3 (b) (i) - Emergency Medical
and necessary expenses incurred to accompany
Evacuation, Section 3 (b) (ii) – Emergency
the Insured Person’s Child / Children back to
Medical Repatriation or Section 3(b) (iii) -
Malaysia in an event:
Mortal Remains Repatriation at any one event.
i)
Insured Person is admitted as an in-patient in an overseas Hospital and such admission
Section 3(c) – Compassionate Visit Due to
is medically necessary; and
Hospitalization of Insured Person
ii)
There is no one to look after the Child / Children
In the event that the Insured Person is hospitalized overseas for more than 5 days as a result of
Section 3 (f) – Hospital Allowance (Up to
Accident or Sickness* sustained whilst on the Trip
Maximum of 30 Full Days)
and his/her medical condition forbids evacuation, the Company will pay for the reasonable travel
If the Insured Person suffers from a Sickness /
fare (economy air travel or first class rail travel) and
Illness while on an Overseas Trip which requires
hotel
admission as an in-patient in a Hospital overseas
accommodation
expenses
necessarily
incurred by one relative or one friend to visit and
and such admission is medically necessary, we
stay with the Insured Person, as recommended by
will pay for every full day of admission at and up
a Physician, up to the maximum limit as specified
to the amount specified in Section 3 (f) of the
for Compassionate Visit in the Schedule of benefits.
schedule of benefits for Worldwide Cover.
*applies for Worldwide Cover only Special Conditions Applicable to Section 3 Section 3 (d) – Compassionate Visit Due to the Insured Person’s Death
The Company is not liable to pay:1) costs for medical care except that prescri-
Upon accidental death of the Insured Person while
bed by a licensed Physician or which
on an Overseas Trip, the Company will reimburse
is delivered by a recognized Hospital ;
the
reasonable
expenses
and
incurred
accommodation,
necessary by
1
communication,
additional
person
for
travel
and
2) for any loss which is directly or indirectly, in whole or in part, due to :-
meals up the amount specified in Section 3 (d) of
(a) Civil or Foreign War, whether declared
the schedule of benefits to assist on repatriation
or not;
and burial or cremation.
(b) The effect of drugs, medication or
This Policy will only pay for any claim under Section
treatment not prescribed by a Physician ;
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
(c) The influence of alcohol characterized
(f) follow-up non-medical treatment of any
by a blood alcohol level of the Insured
kind resulting from an Accident or
Person equal to or superior to that fixed by
Sickness, psychoanalytical treatment,
the laws regulating the use of automobiles;
stays in rest homes, physiotherapy and
(d) Suicide, attempt suicide or intentionally self-inflicted injury ;
detoxification ; (g) ophthalmologic care, eye glasses,
(e) The Insured Person’s participation in an
contact lenses, hearing aids,
competition involving the use of motorized
dental care and dentures, unless
land, water or air vehicle ;
they are the direct consequence of an
(f) The Insured Person’s participation in any
injury from a covered Accident,
professional sports, Extreme Sports and
which makes usage medically necessary ;
Activities;
(h) non-emergency medical check-ups;
(g) The Insured Person flying whether as a
(i) vaccinations and their complications.
fare-paying passenger or not, in or on an aircraft that does not belong to an airline company or which is not registered or
SECTION 4 – PERSONAL LIABILITY COVER
licensed for the transportation of farepaying passengers on regular and
The company agree to indemnify the Insured
published scheduled routes ;
Person against his/her personal liability at law for
(h) The Insured Person’s active service in
damages and any claimant’s cost and expenses
any of the armed forces of any nation ;
up to the maximum limit specified for Personal
(i) The participation or involvement of the
Liability in the Summary of Benefit in respect of:-
Insured Person in a criminal act ; (j) The Insured Person’s practice or
(a) Accidental bodily injury to persons
utilization, either as pilot or passenger, of
(b) Accidental damage to property
a sailplane, hand glider, parasail, parachute, hot air balloon, and the like, or
happening during the Trip. Provided that the total
engaging in any aerial flight other than
aggregate limit of liability of the Company for all
that as previously expressed.
claims under this section in respect of such damages and/or costs and expenses incurred
3) the Company is not liable for 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
(a) Pre-Existing Conditions ; (b) Pregnancy and its consequences ; (c) mental or emotional disorder (d) sexually transmitted diseases, AIDS, HIV infections and AIDS related infections ; (e) cosmetic surgery, apart from reconstructive surgery in consequence of a covered Accident ;
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
Liability in the Summary of Benefit.
Special Exclusions to Section 4 – Personal Liability Cover
11) Liability arising directly or indirectly by, through or in connection with any loss or damage to property due to act of animals
The Company shall not be liable for any liability in
belonging to , held in trust or in the
respect of the following:-
Custody or control of the Insured Person
1)
caused by the Insured Person ;
or your Immediate Family Member or
2) any non-pecuniary loss ;
household;
3) Accidental loss or damage to property
12) Liability arising directly or indirectly by,
belonging to or held in trust or in the care,
through or in connection with:
custody or control of the Insured Person or
(a) the ownership, possession or
any of his employees or any member of his
occupation of land or buildings, immobile
Family or household ;
property or caravans other than
4) arising out of an agreement unless liability
occupying on a temporary basis;
would have arisen in the absence of such
(b) any willful, malicious or unlawful act;
agreement;
(c) the carrying on of any trade, business
5) 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
or profession; and (d) any racing or rallying activities; 13) any claim involving any of the Insured Person’s Immediate Family Members 14) judgement(s) that is or are not in the first
out of and in the course of their employme
instance delivered by or obtained from a
nt with the Insured Person ;
court of competent jurisdiction within
6) 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 ;
Malaysia; 15) sexual molestation, physical or mental abuse; 16) golfing either in the course of play or practice;
7) damage caused by or to buildings or parts of building owned, rented or occupied by the Insured Person ;
17) any punitive, aggravated or exemplary damages awarded by any court; 18) liability for which payment should be more
8) any claim arising from an Insured Person
specifically claimed under any other
being insane or under the influence of or
Contract of insurance under the name of
affected by drugs (other than drugs
the Insured Person.
prescribed
by
a
licensed
Physician),
intoxicating liquor, or solvents, 9) the Insured Person’s participation in any
Special Conditions applicable to Section 4 – Personal Liability cover
act of civil or Foreign War, sabotage, riots, public demonstrations, strikes and lockouts 10) Liability attaching under an express term
Upon the happening of any event which may give rise to a claim under this Section, the Insured
of a contract, unless liability would attach
Person shall within Thirty (30) days therefrom
whether the express term existed or not;
give written notice to the Company with full
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
particulars. Every letter, claim, writ of summons
indirectly from, in respect of, or due to:
or process in respect of such claim shall be
Any loss or damage occasioned through the
forthwith forwarded to the Company upon
Insured Person willful act or with his/her
receipt of the same by the Insured Person. No
connivance. Losses recoverable from any other
admission offer promise payment or indemnity
insurance taken up by the Insured Person to cover
shall be made or given by or on behalf of the
his/her Home Contents.
Insured Person without the written consent of
* Applies for Worldwide Cover only
the Company which shall be entitled to take over and conduct in the name of the
SECTION 6 – WORLDWIDE TRAVEL
Insured Person the defence or settlement of any
ASSISTANCE SERVICES
claim or to prosecute in the name of the Insured Person for its own benefit.
Services described herein are available 24 hours
Any claim and shall have full discretion in the
a day, 365 days to the Insured Person travelling
conduct of any proceedings and in
anywhere within the Country of Arrival.
the settlement of any claim. The Insured Person shall give all such assistance as the
The Insured Person may call Asia Assistance
Company may require.
Network (M) Sdn Bhd in Malaysia to request the services described in clause herein.
SECTION 5 – HOME CARE BENEFIT
a) Medical Referral and arrangement of medical appointments
The Company will, by payment or at our option By reinstatement or repair, indemnify the Insured
Upon request, Asia Assistance Network (M) Sdn
Person up to the amount stated in the Schedule
Bhd (AAN) shall provide the name, address and
of Benefits against physical loss or damage to
telephone number of AAN doctor, Hospitals,
his/her Home Contents at permanent residence
dentists, and dental clinics. AAN will attempt upon
in Malaysia that was left vacant because of the
request to confirm the availability of the applicabl
Trip, caused by Theft during the period of
e medical or dental professional to make an
insurance, but only after the Trip commences.
appointment for treatment. Any third party cost incurred shall be borne by the Insured Person.
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
b) Visa, Passport & Inoculation Requirements a
proportionate part of the value on the pair or set.
Upon request, Asia Assistance Network (M) Sdn
The Company shall not be liable for more than
Bhd will provide the Insured Person information
RM500 in respect of any one article or pair or set
concerning Visa, inoculation, passport or
of articles.
immunization requirement.
Special Exclusions applicable to Section 5 –
c) Currency Exchange & Flights Informations
Home Care Benefits Upon request, Asia Assistance Network (M) Sdn We will not pay for claims arising directly or
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
Bhd will provide the Insured Person information
concerning foreign exchange rates of major
duty or whilst engaging in or taking part in naval,
currencies, flight information on the arrival and
military or air force service or operations or
departure by destination, Time and flight number.
participating in operations of an offensive nature
The information will only be available for the
planned or conducted by any civil or military
present day, the day before and the date after
authorities against bandits, terrorists or other
The Insured Person’s enquiry.
elements ;
General Exclusions Applicable to Entire Policy
7)
during air travel except as a fare paying
passenger in any properly licensed private and/or This Insurance does not cover:1)
commercial aircraft ;
any illegal or unlawful intention act by the
Insured Person ;
8)
any serious physical injury or disability
resulting directly or indirectly from, attributed to or 2)
death or
injury
directly or indirectly
accelerated by the use, release, or escape of
occasioned by war, invasion, act of foreign
nuclear of nuclear materials that directly or
enemy, hostilities or warlike operation (whether
indirectly results in nuclear reaction or radiation or
war be declared or not), mutiny, Civil War,
radioactive contamination; or the dispersal or
rebellion, revolution, insurrection, conspiracy,
application of pathogenic or poisonous biological
military or usurped power, martial law or stage of
or chemical materials; or the release of
siege, any of the events or causes which
pathogenic or poisonous biological or chemical
determine the proclamation or maintenance of
materials. For purposes of this exclusion, serious
martial law or state of siege, seizure, quarantine or
physical injury means physical injury that involves
customs regulations or nationalization by or under
a substantial risk of death and/or protracted and
the order of any government or public or local
obvious physical disfiguration, and/or protracted
authority;
loss of or impairment of the function of a bodily member or an organ ;
3)
delay, seizure, confiscation, destruction,
requisition, retention or detention by customs or
9)
any Pre-Existing Condition ;
10)
suicide, attempted suicide or any
any other government or public authority or official ;
intentional self-inflicted injuries acted upon by the 4)
any violation or attempt of violation of
laws or resistance to arrest by appropriate
Insured Person to him/herself whether sane or insane ;
authority; 11) 5)
the Insured Person which is below the age
of 30 days or over the age of 75 (calculated since
treatment of alcoholism or drug abuse or
any other complications arising therefrom or any drug related Accident ;
last birthday as at the date of insurance purchased) ;
12)
pregnancy, miscarriage or Childbirth, or
any treatment relating to birth control or 6)
members of the armed forces whilst on
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
treatment pertaining to infertility or any other
complication arising therefrom;
motorized vehicles ;
13)
21)
psychosis, mental or nervous disorders or
sleep disturbance disorders ;
late arrival of the Insured Person at the
airport for the Scheduled Flight after the official check-in Time ;
14)
cosmetic or plastic surgery or any elective
surgery ;
22)
failure of the Insured Person to take
reasonable measure to protect, save or recover 15)
any congenital defect which has
lost baggage ;
manifested or was diagnosed before the policy commencement date ;
23)
failure of the Insured Person to notify the
relevant airline authorities of missing luggage at 16)
any form of dental care or surgery unless
necessitated by injury caused by the Accident
the scheduled destination point and to obtain a property irregularity report;
covered under the Policy to sound and natural teeth ;
24)
any loss, injury, damage or legal liability
arising directly or indirectly from travel in , to or 17)
routine health check-ups, any medical
through Tibet, Mongolia and Nepal;
investigation(s) not directly related to admission diagnosis, Illness or injury , or any related treatment
25)
engaging practicing or participating in
sport in a professional capacity or when an Insured 18)
Acquired Immune Deficiency Syndrome
(AIDS) or any complications associated
with
Person
would
or
could
earn
income
or
remuneration from engaging in such sport ;
infection by any Human Immune Deficiency Virus (HIV) (for the purpose of this Policy, the definition of
26)
AIDS shall be that used by the World Health
necessary, or convalescence, custodial or rest
Hospital admission which is not medically
Organisation in 1987, or subsequent revision by the
care;
World Health Organisation of that definition; infection shall be deemed to have occurred
27)
where blood or other relevant test(s) indicate in the
suffered or sustained directly or indirectly by an
opinion of the Company either the presence of
Insured Person if that Insured Person is :-
any Human Immune Deficiency Virus (HIV) or
a)
a terrorist ;
Antibodies to such Virus) ;
b)
a member of a terrorist organization ; or
c)
a
19)
any injury sustained while serving as a crew
member of any aircraft except as a fare-paying
any loss, injury, damage or legal liability
purveyor
of
nuclear,
chemical
or
biological weapons ; d)
a narcotics trafficker.
valid air worthiness certification issued by the
28)
any loss resulting directly and indirectly (in
appropriate authority of the country of its registry ;
whole or in part) from :
passenger in any aircraft having a current and
20)
driving or riding in any kind of race involving
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
(a)
Pandemic
(b)
Epidemic
General Conditions Applicable to entire Policy 1) Entire Contract
the Company and Tune TrIP (Tune Travel Insurance Plan) Any amendment to
This Certificate of Insurance contains
the Policy shall be binding on all persons
terms and conditions for the Insurance
whether insured under the Policy prior to,
Coverage and benefits provided here in
during, or after the effective date of
which shall always be subject to the terms
the amendment. No alteration in the
and conditions of the Tune TrIP (Tune
policy shall be valid unless approved
Travel Insurance Plan) Master Policy.
by an authorized representative of the Company and such approval be
2) Observance of Insurance Terms and
endorsed herein.
Conditions The due observation and fulfillment of
5) Currency of Payment
terms and conditions of this Certificate of
Payment of any claim covered under this
Insurance in so far as they relate to
Policy shall be made in Malaysian
anything to be done or complied with by
currency or its equivalent in any other
the Insured or any claimant under this
currency at the prevailing rate of
Certificate of Insurance shall be conditions
exchange as declared by Bank Negara at
precedent to any liability of the Company
the Time of effecting payment if so
to make any payment under this Policy.
required by the Insured Person or his/her permitted legal personal representatives.
3) Misrepresentation in Application
6) Compensation Limit
The benefits shall not be payable and the
The compensation limit is that expressed
Policy, at the option of the Company, shall
in the Table of Compensation.
be considered voidable in the event:7) Ages (a) there is a failure to disclose or
All ages referred to in this Policy shall be
misrepresentation of any fact with
the age of the Insured Person at his/her
respect to the Insured Person that is
last birthday.
material to the insurance provided hereunder which is required to be
8) Country of Residence
furnished as evidence of insurability ;
Coverage provided to all Persons who is
and/or
residing and having permanent address in Malaysia.
(b) in all cases of fraud. 9) Notice and Procedures of Claims 4) Alterations
(a) Upon the happening of any event
The Company reserves the right to amend
which may give rise to a claim, the
the terms and provisions of the Policy and
Insured Person shall:-
may at any Time be amended and
(i)
changed by written agreement between
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
notify the Company in writing as soon as possible but not
later than thirty (30 days) after
(i)
a property irregularity report
any event which may give rise
obtained from airport authorities
to such claim by filling up the
in respect of lost luggage
claim form as provided by the
including details of the
Company; any delay must be
Scheduled Flight and/or written
supported by justifiable
details and confirmation of the
reasons for the delay and the
delay or loss incurred.
acceptance is at our sole
(ii)
copies of the records / receipts /
discretion. We will not pay any
charges forms verifying the
claims notified to us after one
relevant Scheduled Flight Air
(1) year from the date of loss.
Tickets, hotels, car rental, tours incurred for the Trip
(ii)
furnish to the Company in writing, at the Insured
(iii)
other document as and when required by the Company
Person’s own costs and expenses, any evidence and
(c) All reasonable measures to protect
proof including but not limited
safeguard and recover such lost
to information, particulars,
baggage and/or personal effects shall
accounts, original receipt,
be taken by the Insured Person. Any
invoices, Insured Person’s
delay or non-delivery of baggage shall
statements, reports and any
immediately be reported to an official
other documents as the
of airport authorities who is authorized
Company may require and
to receive such notification.
shall be in such form and of such nature as the Company may prescribe.
10) Proof of Loss Written proof of loss must be furnished to the Company at its said office within
(iii)
produce for the Company’s
ninety (90) days from the date of loss.
examination pertinent
Failure to furnish such proof within the Time required shall not invalidate or
documents at such reasonable Times and
reduce any claim if it was not reasonably
shall co-operate with the Company in all
possible to give proof within such Time
matters pertaining to any loss and/or
provided such proof is furnished as soon
claims. Failure to comply with this
as possible and in no event, except in the
condition may prejudice the claim.
absence of legal capacity, later than one (1) year from the Time proof is otherwise
(b) The following information and
required.
documents shall be furnished to the Company under any circumstances in matters of claims:-
11) Effect of Fraud Any fraud, misstatement or concealment in respect of this insurance or any claim
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
hereunder shall render the insurance
Policy is a citizen or instrumentality of the
coverage and benefits provide herein null
government of any country (ies) against
and void.
which any laws and/or regulations governing this Policy and/or the Company
12) Medical Examination
its parent company or its ultimate
The Company at its own expense shall
controlling entity have established an
have the right to require additional proof
embargo or other form of economic
and request medical examination of the
sanction which have the effect of
Insured Person when and as often as it
prohibiting the Company to provide.
may reasonably require during the period
insurance coverage transacting business
when the claim is pending and to
with or otherwise offering economic
conduct an autopsy in case of death
benefits to the Insured or any other
provided it is not forbidden by law.
beneficiary under the Policy. It is further understood and agreed that no benefits
13) To Whom Indemnity is Payable
of payments will be made to any
Indemnity for loss of life in respect of the
beneficiary(ies) who is or are declared
Insured Person is payable to the
unable to receive economic benefits
nominee(s) elected by the Insured
under the laws and/or regulations
Person and in the event of failure of
governing this policy and/or the
nominee, to the legal beneficiary as
Company, its parent company or its
stipulated under the Probate and
ultimate controlling entity.
Administration Act of Malaysia (for foreigners, such pay out shall be made in
(15) Receipts
accordance to foreign Insured Person’s
The Company shall not be abide by any
country’s probate laws). Indemnity for all
notice or any trust charge, a lien,
other benefits will be paid to the Insured
assignment or other dealing with the
Person or his/her estate upon his death.
Certificate of Insurance. The receipt by
The process of claim including settlement
the Insured Person for any compensation
shall be handled between the Company
payable herein shall in all cases be
and the Insured Person or his/her estate
effectual discharge of liability of the
as the case may be, whose sole discharge
Company.
will constitute full and final discharge of the claim lodged.
(16) Rights of Nominee Consent of nominee shall not be a pre-
(14) Sanction Clause
requisite to terminate or to cancel this
The Company is not liable to make any
Policy or to a change of nominee or for
payment for liability under any coverage
that matter for any changes in this Policy.
sections of this Policy or make any payment under any extension for any loss
(17)
Rights of Ownership
or claim arising in, or where the Insured
The policy owner is Tune TrIP (Tune Travel
Person or any beneficiary under the
Insurance Plan).
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
(18)
Arbitration Clause
You cancel the Policy due to reasons other
Any dispute which may arise between the
than Unforeseen Circumstances prior to the
Company and the Insured Person and/or
date of departure.
his/her legal representative in relation to
(d) No refund is allowed for cancellation of
the construction of the Policy or rights or
Policy after commencement of insurance
liabilities of parties hereto shall be referred to arbitration. The arbitration shall be
For the purpose of this Condition Unforeseen
heard by a single arbitrator to be agreed
Circumstances refer to:
by the parties hereto within fourteen (14)
days of the commencement of the arbitration. In default of such agreement, an arbitrator shall
Your death or the death of a Special Person; or
be appointed in
Bodily Injury or Sickness that requires treatment by a Medical Practitioner which
accordance with and subject to the
results in that Medical Practitioner
provisions of the Arbitration Act of
certifying in writing that You or a Special
Malaysia or any statutory modification of
Person is unfit to begin or continue the
reenactment thereof for the Time being in
Journey; or
force.
Unexpected outbreak or strike, riot or civil commotion arising out of circumstances
(19)
Limitation of Time of Bringing Arbitration
beyond Your control.
If a claim is made under the Policy and rejected by the Company, the Insured or
Annual Policy
his/her legal personal representatives
(a) There is no insurance cover under this Policy in
shall commence arbitration proceedings,
respect of Annual Cover for one way cover.
within six (6) months of such rejection,
(b) The maximum number of days per journey or
failing which the Company shall be
trip is limited to 90 days.
discharged from all liability whatsoever for
(c) The policy is applicable to person age
that claim.
between 18 to 75 years. (d) Extension of Period of Insurance is not
(20) Cancellation and Refund Short Journey
applicable to Annual Policy.
Policy:
(e) We will not refund any premium paid if You
(a) We will refund in full the premium paid if
cancel Your Policy and We have agreed to pay
You cancel the Journey due to Unforeseen
any claim under the Policy or there has been an
Circumstances prior to the date of departure
occurrence of any event for which a claim may
and You will not make any claim for travel
be payable under the Policy.
and cancellation charges.
(f) We will charge You the premium in
(b) We will not refund any premium paid if
accordance to the scale below and refund the
You cancel the Journey due to Unforeseen
balance if You cancel the Policy after
Circumstances prior to the date of departure
commencement of insurance.
and We have agreed to pay claims for travel and cancellation charges. (c) We will not refund any premium paid if
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
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 months --------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 (21)
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 whic h the Certificate of Insurance was issued or delivered, this Policy shall be read incon formity to the Malaysian Law.
(22)
(24) 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 (25) Duplication of Cover In the event that an Insured Person is covered by more than one policies purchased through Tune TrIP (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.
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 TrIP (Tune Travel Insurance Plan). (23) 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.
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
(26) 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 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.
(27) Extension of Cover Cover shall be extended at the
(28) Limit of Benefits (Applicable to Insured Person From Age 66 to 75)
Company’s discretion for up to 30 days
The limit of benefits under Section
from the expiry of the period of insurance
Personal Accident Benefits be revised to
for a Trip without payment of any
RM150,000.00(for Worldwide Cover)
additional premium if the Insured Person
and RM75,000.00 (for Domestic Cover)
is hospitalized and/or quarantined
for all Insured Persons in the age band
overseas as recommended by a
above. This condition will be applicable
Physician or any other circumstances
to both Individual Plan and Family Plan.
beyond the Insured Person control which
The limit of benefits under Section 3
is deemed reasonable by the Company
(a) Medical Expenses Reimbursement to
prohibiting the Insured Person return to
revised to RM150,000.00 (for Worldwide
Malaysia prior to the expiry of the period
Cover) and RM12,500.00 (for Domestic
of insurance. This extension of cover, if
Cover)for all Insured Persons in the above
granted by the Company, shall be
age band. In View thereof, follow up
applicable to Section 2-Travel
treatment in Malaysia under the
Inconvenience as per Schedule of
Worldwide Cover will applicable to both
Benefit.
Individual Plan and Family Plan.
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
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] FINANCIAL MEDIATION BUREAU Level 14, Main Block, Menara Takaful Malaysia, No 4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur. Tel: +603 2272 2811 Fax: +6032272 1577 Website: www.fmb.org.my 1. 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 GOODS AND SERVICES TAX Please be informed that the Goods and Services Tax (‘GST’) was implemented by the Government of Malaysia with effect from 1 April 2015 at a rate of six (6) per centum.
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
Tune Insurance Malaysia Berhad (30686-K) Level 9, Wisma Tune, No 19 Lorong Dungun, Damansara Heights, 50490, Kuala Lumpur Tel +603 2087 9000 Fax +603 2094 1366 Website tuneprotect.com
