Dokumen Polisi Kemalangan Peribadi Plus

For all intents and purposes where there is a conflict or ambiguity as to the meaning in the Bahasa Malaysia provisions of any part of the contract, it is hereby agreed that the English version of the Contract shall prevail.

WHEREAS the person described in the schedule hereto, (hereinafter referred to as the “Insured” or the “Covered Person” as hereinafter defined) has made to

PACIFIC & ORIENT INSURANCE CO. BERHAD (hereinafter referred to as the “Company”) a Proposal and Declaration which shall be the basis of this contract of insurance (which with the Schedule hereto shall hereinafter be referred to as the “Policy”) and which is deemed to be incorporated herein, and has paid or agreed to pay the premium stated in the Schedule hereto as consideration for the insurance hereinafter contained.

NOW THIS POLICY WITNESSETH that if, during the Period of Insurance stated in the Schedule hereto or during any further period for which the Company may accept payment for the renewal of this Policy, the Covered Person shall sustain any bodily injury stipulated in the Schedule caused solely and directly by violent accidental external and visible means hereto and being the sole and direct cause of the Covered Person’s death or disablement as defined in the Schedule (hereinafter referred to as the “Bodily Injury” and the whole as the “Accident” respectively), then the Company will, subject to compliance with the procedures, terms, provisions, conditions, clauses and/or endorsements contained herein, pay to the insured or, in the event of the death of the Insured, to the Insured’s legal personal representatives or such beneficiary of beneficiaries as may be hereinafter stipulated, the sums of money set forth in the Schedule.

Consumer Insurance Contracts

This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the answers given in Your Proposal Form (or when you applied for this insurance) and any other disclosures made by you between the time of submission of your Proposal Form (or when you applied for this insurance) and the time this contract is entered into. The answers and any other disclosures given by you shall form part of this contract of insurance between you and us. However, in the event of any pre-contractual misrepresentation made in relation to your answers or in any disclosures given by you, only the remedies in Schedule 9 of the Financial Services Act 2013 will apply.

This Policy reflects the terms and conditions of the contract of insurance as agreed between you and us.

IMPORTANT

The Insured shall read this Policy carefully, and if there is any error or misdescription herein, the Insured is required to notify the Company forthwith and the Insured must return the Policy to the Company for endorsement or amendment whichever is applicable

Previous Disability

If as a consequence of the Accident the Covered Person shall sustain Bodily Injury and if such injury has been or shall be aggravated by any disability and/or condition which had occurred before the Accident (hereinafter referred to as the “Condition”), the amount of any compensation payable shall be the amount specified in the Schedule hereto or such reduced amount that the Company at its sole and absolute discretion considers would have been payable if such condition had not existed and/or the Bodily Injury had not been so aggravated (hereinafter referred to as the “Proportionately Reduced Benefit”)

Permanent Disablement

If Bodily Injury sustained as a result of an Accident shall within 12 months from the date of the Accident, result in Permanent Disablement to the Covered Person, a lump sum Benefit stated in the Schedule hereto shall be payable to the Insured.

In the event of a claim under Section 2 – Permanent Disablement, the decision of the Company’s panel of physicians shall be final and conclusive

Payment

The Insured agrees that if the said motorcycle be subject to financing, that payment of all and any sums due under this policy will be made to Hire Purchase/Leasing/Credit Company. The Insured agrees that such payment shall be full and final discharge to the Company for any and all liability arising under this policy.

General

• The Benefits are payable in addition to all other policies.
• Payment will be made whether rider is negligent or not.
• Payment will be made to Hire Purchase/Leasing/Credit Company if the Insured’s motorcycle is subject to Financing.

The Covered Person is the Insured stipulated in the Schedule hereto and shall be a person duly licensed and qualified to ride a motorcycle and be not less than 16 years.

SECTION 1 – ACCIDENTAL DEATH (LOSS OF LIFE) 

When Bodily Injury results in death (loss of life) of the Covered Person within 12 calendar months from the date of the Accident, the Company will subject to provisions herein, pay 100% of the amount specified in the Schedule hereto, or the Proportionately Reduced Benefit where applicable, in the manner herein stipulated.

SECTION 2 – PERMANENT DISABLEMENT 

When Bodily Injury does not result in death (loss of life) of the Covered Person within 12 calendar months from the date of the Accident but does directly result in any and all of the following losses within the said 12 calendar months, the Company will pay a total not exceeding the Capital Sum Insured, paid for & set out herein, for:-

PERCENTAGE OF THE SUM INSURED

Loss as above used with reference to hand or foot means complete severance through or above the wrist or ankle joint. Loss of sight means entire and irrecoverable loss of sight.

SECTION 3 – BEREAVEMENT BENEFIT 

The said benefit shall be payable in the event of accidental death occurring while the Covered Person is riding a motorcycle

 This Policy does not cover the following:-

1) Injuries and death caused directly or indirectly, wholly or partly:-

1. By bacterial infections except septiceamia related directly to the Bodily Injury
2. By any other kind of diseases and/or allergic reactions including, but not limited to, those caused by insect or mosquito bites.
3. By medical or surgical treatment (except such as may be necessitated by the Bodily Injury and performed within the time period provided in the Policy).
4. By childbirth or miscarriage.
5. While the Covered Person is under the influence of liquor or drugs (unless such drugs administered under the order of a qualified medical practitioner and which does not affect his ability to drive or ride).
6. While the Covered Person is in a state of insanity or mental impairment however caused.
7. While the motorcycle is used or being used for illegal and/or criminal business, pursuits, purposes and/or objectives and any attempt threat.
8. While the motorcycle is used as an unlicensed common carrier or without the Insured’s permission.

2) Herniation resulting from the Bodily Injury.

3) Suicide or any attempt thereat (sane or insane)

4) Injuries and death occasioned by war, invasion, act of foreign enemy, hostilities or wartime operations (whether war be declared or not), civil war, rebellion, revolution, military or usurped power, guerilla activities, act of terrorism, martial law, or state of siege.

5) Injuries and death occasioned while the vehicle is used for hire, racing, road rally, pacemaking, speed-testing or use for any purpose in connection with Motor Trade

6) This insurance does not cover death, injury, illness, charges or expenses of a Covered Person or provide any indemnity against liability attributable directly or indirectly to HIV (Human Immunodeficiency Virus) and/or HIV related illness including but not limited to AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivatives or variation thereof.

7) Death or Disablement sustained by the Covered Person, while traveling in an aircraft as a member of the crew, except only as a fare-paying passenger in an aircraft licensed for passenger service. For the purpose of this exclusion the Covered Person would not be covered if he is involved in any technical operation or navigation whilst in the aircraft.

8) Death or Disablement consequent upon the Covered Person engaging in hunting, mountaineering. Ice-hockey, polo-playing, steeplechasing, winter sport, yachting, water-ski jumping, under water activities involving the use of breathing apparatus or using wood-working machinery driven by mechanical power.

1. CONSTRUCTION

This Policy and the Schedule hereto shall be read together as one contract and any word or expression to which a specific meaning has been attached in any part of this Policy shall bear such meaning wherever it may appear. No amendment or change in this Policy shall be valid unless approved by a duly authorised representative of the Company and duly endorsed upon the Policy.

2. ALTERATION

The Insured shall give immediate notice in writing to the Company of any change in the Insured’s residence and occupation as stated in the Schedule hereto. The Insured shall also be required to give immediate notice in writing of any injury, disease, physical defect or infirmity by which he has become affected or of which  he has become cognizant. In the event of the failure to notify, the Company may disclaim all liability for any loss or injury as a result of the increased risk.

3. CLAIM

a) Written notice shall be given to the Company within (30) thirty days of any occurrence likely to give rise to a claim. Failure to give such notice will not invalidate the claim if it can be shown that such notice was given as soon as it is reasonably to do so. The Company shall, in its sole discretion, decide whether the Covered Person’s delay to give the notice shall be deemed reasonable or not.

b) Upon the happening of any Accident likely to give rise to a claim under this Policy, the Insured shall within thirty (30) days after the happening of such Accident give notice to the Company with full particulars of the Accident and Bodily Injuries and shall as soon as possible procure and act on proper medical and surgical advice. Written notice by or on behalf of the Insured given to and received by the Company with full particulars shall be deemed to be notice to the Company.

c) If the Covered Person makes a fraudulent or exaggerated claim under this Policy, or engages in any fraudulent activity as a means to obtain a Benefit

under this Policy, all Benefits payable in respect of this Policy shall be forfeited and the Policy shall become void.

d) Compensation in respect of the Benefits provided under the Policy shall be payable only when the claim has been proved to the satisfaction of the Company.

e) The Insured or the legal personal representative is required to prove the claim by providing all the necessary documents in such form and nature as required by the Company. Any expense incurred for the purpose of proving the claim shall be borne by the Insured. The Company shall be entitled, at its own expenses, to require that the Covered Person be examined by the Company’s panel of physicians where the Company deems it necessary.

4. DISCHARGE OF LIABILITY

Any receipt or discharge which the Hire Purchase/Leasing/Credit Company, the Insured, his legal personal representatives (s) or his beneficiary (s) grants to the Company in respect of a claim under this Policy shall be deemed to be a complete and final discharge of all and any liabiliti es of the Company in respect of that claim.

5. LOCAL JURISDICTION

This Policy is subject to the Laws of Malaysia and any provision of the Policy which is in conflict is hereby deemed to be amended to conform to the minimum requirement of such laws (or as amended from time to time).

6. RENEWAL

It shall not be incumbent on the Company to give notice that renewal is due.

The Company reserves the right to review the premium and scope of cover at any time prior to the renewal of the Policy. The Company shall not be bound to accept any renewal. This Policy is renewable at the option of the Company.

7. CANCELLATION

The Company may terminate by giving (14) fourteen days notice in writing sent by registered post to the Insured, at the Insured’s last known address. Such notice of termination shall be deemed to have been received by the Insured on the fifth day after the date of posting. The Company shall post to the Insured’s last known address a proportion of the premium corresponding to the unexpired Period of Insurance, subject to a minimum retained premium. By like notice, acknowledged received by the Company, the Insured may, at any time cancel this Policy, in which case the Company will retain the premium for the time the Policy has been in force or the minimum premium whichever is higher.

8. DISPUTES

All differences arising out of this Policy shall be referred to the Insurance Mediation Bureau, Kuala Lumpur, within six months after the decision has been made by the Company.

9. PREMIUM WARRANTY

It is a fundamental and absolute special condition of this Contract of Insurance that the premium due must be paid and received by the Company within sixty (60) days, from the inception date of this Policy/Endorsement/Renewal Certificate.

If this condition is not complied with then this contract is automatically cancelled and the Company shall be entitled to the pro-rata premium for the period they have been on risk.

Where the premium payable pursuant to this warranty is received by an authorised agent of the Company, the payment shall be deemed to be received by the Company for the purposes of this warranty and the onus of proving that the premium payable was received by a person, including an insurance agent, who was not authorised to receive such premium shall lie on the Company.

10. CONDITION PRECEDENT

The due observance and fulfillment of the Procedures, Terms, Provisions, Conditions, Clause and/or Endorsements of this Policy, in so far as they relate to anything to be done or complied with by the Insured (or the Insured’s legal personal representatives), shall be condition precedent to any liability of the Company to make any payment under the Policy. Failure to comply with any of the Procedures, Terms, Provisions, Conditions, Clauses and/or Endorsement in this Policy shall invalidate all claims hereunder. Any material concealment, misrepresentation, suppression and/or omission in the proposal and/or declaration shall render the said Policy null and void from inception.

11. TERRITORIAL LIMIT: Worldwide

12. DUTY OF DISCLOSURE

Where you have applied for this Insurance wholly for purposes unrelated to your trade, business or profession, you had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when you applied for this insurance) i.e. you should have answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance in accordance with the remedies in Schedule 9 of the Financial Services Act 2013. You were also required to disclose any other matter that you knew to be relevant to our decision in accepting the risks and determining the rates and terms to be applied.

You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or has changed.

Disputes can be referred to: Ombudsman for Financial Services (OFS) (Formerly known as Financial Mediation Bureau).