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painsuranceform

Total amount RM 106 inclusive 6% GST (Goods and Service Tax) are applicable for all above mention package Tax Invoice will issued by ONI Network Sdn Bhd.



ACPG Personal Accident (PA) Insurance


ACPG PA 200K offers you:

Pays a cash sum up to RM 200,000 in the event of accidental death;
Pays a cash sum up to RM 200,000 in the event of permanent disablement due to accident.

How to apply ACPG PA 200K......

ACPG 200K is available to individuals Malaysian and permanent resident residing in Malaysia aged 19 to 65 on their next birthday with Occupation Class 1 or Class 2 only , must be in normal health and free from any physical deformity. This type of insurance is suitable if you're employed or self-employed and want to protect your earnings or if you want to have additional financial protection in the event of an accident.

Legal foreign worker with occupation class 1 & 2 are eligible to participate this scheme as well. Coverage are within Malaysia jurisdiction only.

The following occupations are excluded for this plan:

Professional Cash Carriers, Divers, Racing Drivers, Jockeys, Aircraft Testers, Pilots or Crews, Stevedores, Explosive handlers, Engaged in demolition of building, Underground tunneling and Mining, War Correspondents, Sawyers, Oil Rig Workers, Timber Logging Workers, Firemen, Seamen and Sea Fishermen, Woodworking Machinist, Persons in Martial Arts, Boxers and Wrestlers, Person engaged in Ambulance Service, Steeplejacks, Policemen or Army/Military Officers or Low enforcement officers (except for involve in administrative works).


Terms and Condition.

ACPG Principal Insurer on Personal Accident Insurance terms and conditions have implications for the way you are compensated, so it pays to understand them. They may look lengthy, but they are straightforward. Here they are:

This insurance Scheme is available to Malaysian and permanent resident residing in Malaysia with Occupation Class 1 or Class 2 only must be in normal health and free from any physical deformity.

It will not cover those who have lapsed their policy or stopped paying their premiums.

Premiums are not refundable in the event you cancel your policy.

This insurance Scheme covers twenty-four (24) hours worldwide (for Malaysian Citizen) except Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria and each trip shall not exceed 30 consecutive days and whilst only in Malaysia(for non Malaysian Citizen)

General Exclusions

You won't be compensated if:

You are engaging in or taking part in:

Armed forces, naval or air force, police, fireman or any similar occupations hereof which are related to national/company/business security (except those personnel who are administration staff) during active duty). (Coverage is limited to the time when such Person Covered is not on active duty and due to an accident which has occurred during the normal private and social activities, outside the scope of the Person Covered's employment)

Professional sports, winter sports other than skating;

Rock climbing or mountaineering necessitating the use of ropes or guides, potholing, hang gliding, bungee jumping, parachuting or any kind of race other than on foot;

Air travel except as a fare-paying passenger on a recognized airline operating on regular scheduled air routes and air travel by any charter aircraft duly licensed as a recognized air carrier and flown by professional crews between properly established and maintained airports;

Criminal act or unlawful act or any illegal activities

Occupation Class 3 – Person engaged either occasionally or generally in manual work which involves in use of tools or machinery; Intoxicati

on by alcohol or drug unless the drug is taken under the direction of a legally qualified medical practitioner provided such direction is not for the treatment or drug addiction.

Provoked murders or assault, intentional self-injury, suicide or attempted suicide or any attempt thereat while sane or insane. Any preplan act by the Person Covered or any parties for the purpose of getting the benefits payout.

Pregnancy, childbirth or pre-existing physical or mental defect or infirmity

Pre-existing physical defect, physical deformity in any way such as limping or require walking or hearing aids that existed prior to the inception of this Master Certificate and any further injury to the pre-existing physical defect or deformity.

Deliberate exposure to exceptional danger (except in an attempt to save human life).

AIDS Related Complex (ARC) however caused and/or any mutant derivatives, variations or treatment thereof however caused.

Direct participation in riot or civil commotion, invasion, acts of foreign enemies, hostilities (whether war e declared or not) rebellion, revolution, insurrection or military or usurped power.

Ionizing radiation or contamination by radio-activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exclusion combustion shall include any self-sustaining process of nuclear fission

War, civil war – whether declared or not.

Any act of terrorism.

Riding a motorcycle or driving without a valid license

Any form of disease including all pre-existing illness, infection or parasites. Pre-existing illnesses shall mean disabilities that You have reasonable knowledge of, You may be considered to have reasonable knowledge of a pre-existing condition where the conditions for which:

You have received or is receiving treatment;

Medical advice, diagnosis, care or treatment has been recommended;

Clear and distinct symptoms are or were evident, or

Its existence would have been apparent to a reasonable person in the circumstances.

The Insurer Operator shall not be liable for accidental death and disablement arising from the Person's Covered employment if the Person Covered is directly or indirectly involved in any of the occupations/duties mentioned hereunder. However, benefits under this Takaful shall be payable where accidental death and disablement arises from normal private and social activities outside the scope of the Person's Covered employment.

Excluded occupations : Professional Cash Carriers, Divers, Racing Drivers, Jockeys, Aircraft Testers, Pilots or Crews, Stevedores, Explosive handlers, Engaged in demolition of building, Underground tunneling and Mining, War Correspondents, Sawyers, Oil Rig Workers, Timber Logging Workers, Firemen, Seamen and Sea Fishermen, Woodworking Machinist, Persons in Martial Arts, Boxers and Wrestlers, Person engaged in Ambulance Service, Steeplejacks, Policemen or Army/Military Officers or Low enforcement officers (except for involve in administrative works).

For clearer understanding, we suggest that you read carefully the terms and conditions in the ACPG Principal Insurer Personal Accident Master Certificate and Certificate Document.
     
   
 
   
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