Personal Accident -The Gladiator Section B 27






Introduction

This policy provides a comprehensive accident cover with incremental in sum insured up to a maximum of 50% for accidental death and permanent disablement if there is no claim has been lodged under the Policy, and cashless hospital admission in the event of an accident resulting in hospitalization.

2. Scope of cover 

The benefits offered under this Policy are :


 a. 
Accidental Death
100% of capital sum insured
 b.Permanent Disablement
Based on a certain percentage of the capital sum insured depending on the nature and severity of the disablement.
 c.Double Indemnity
Compensation shall be double in the event of an accident resulting in death or permanent total paralysis whilst travelling as a fare-paying passenger on any mode of public transport or whilst travelling overseas
 d.Financial Obligation (accidental : death or Permanent Disablement where the percentage of the compensation payable is 50% or more
10% of the Capital Sum Insured or RM50,000, whichever is lower, to pay
the Insured Person's outstanding financial obligations on housing loan and motor loan up to 6 months repayment and the outstanding balance of Credit Card at the time of the accident.
 e.Medical Expenses
Up to the limit of sum insured: including traditional treatment up to RM50.00 per visit subject to: maximum of RM500 provided the traditional treatment is carried out
: after hospitalization
 f.Bereavement Benefit for Dengue, 
Malaria, Japanese Encephalitis (JE) and Severe Acute Respiratory Syndrome (SARS)
10% of Capital Sum Insured for death due to Dengue, Malaria, Japanese and Severe Acute Respiratory i Encephalitis (JE)
 g.Hospital Cash Income (hospitalization due to accident) 
Daily benefit up to maximum of 180 days is hospitalized for more than 12 hours
 h.Reimbursement  of Prosthesis/ Wheelchair
Actual cost incurred up to RM1,000 for purchase of wheelchair, artificial arm or leg and crutches as recommended by attending physician.
 i.Kidnap Benefit
A lump sum of RM5,000 for . necessary expenses incurred and a Reward of RM25,000 for information leading to the recovery of the Insured
 j.Impotency or Infertility due to accident
10% of Capital Sum Insured
 k.Ambulance Fees (Accident)
Actual charged for incurred on necessary ambulance services rendered in Malaysia up to RM500 per accident
 l.Funeral Expenses (Accident)
Up to RM5,000
 mRepatriation (Overseas)
Actual expenses incurred up to RM3,000 for transporting the mortal remains back to Malaysia
 n.Dental or Cosmetic Surgery
Up to RM5,000 per accident for expenses incurred for dental correction or corrective cosmetic surgery performed on the neck or head following injuries as a result of an accident
 o.Personal liability
Up to the Limit of Indemnity specified


Optional cover


 Weekly
Benefits
(i) Temporary Total DisablementWeekly benefits up to Max of 52 weeks
 (ii) Temporary Partial DisablementWeekly benefit (not exceeding 50% of Disablement of the weekly compensation per week) Max 52 weeks

Cashless Hospital Admission

In the event of an accident which resulting in hospitalization, our partner, Asia Assistance Network (M) Sdn. Bhd., whom can be contacted through their 24hour Alarm Centers will facilitate admission into or discharge from the participating hospital by providing a guarantee to the hospital concerned up to a maximum limit of Medical Expenses benefit of the policy.


3. Extensions

The following risks/perils are covered by the Policy :
a) Motorcycling
b) Unprovoked Murder & Assault
c) Drowning
d) Suffocation by Smoke, Poisonous Gas or Fumes
e) Food or Drink Poisoning
f) Intoxication of Alcohol
g) Intoxication of Prescribed Drugs
h) Amateur Sports
i) Winter Sports
j) Hunting
k) Polo Playing
I) Bungee Jumping
m) Strike, Riot & Civil Commotion
n) Insect, Snake or Animal Attack
0) Hijacking
p) Disappearance
q) Exposure to Natural Elements
r) Water Sports including Yachting & Water Skiing
s) Natural Disasters such as Earthquake, La Nina, El Nino, Flood, Tsunami,
Katrina, etc.

4. EXCLUSIONS UNDER THE POLICY

Insanity, Suicide, Self-inflicted Injuries
Disease, illness, sickness, HIV, AIDS, ARC
Childbirth, Miscarriage, Pregnancy
Congenital defect, pre-existing physical or mental defect or infirmity
Provoked Murder or Assault
While Committing Unlawful Act
Flying as a pilot or crew member in any aircraft
Riding/Driving without a License
Professional sports 
Martial Arts, Boxing, 
Aerial Activities 
Racing (other than on foot), Speed Trials 
Radiation or contamination by radioactivity 
Liability Assumed by Agreement, Employer's Liability, Occupier's Liability, Liability in connection with the use of Aircraft, Motor Vehicle 
War, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, military or usurped power, mutiny, popular uprising Radiation or Contamination by Radioactivity Terrorism

5, Classification of Occupation

Class I
Professional, administrative, managerial, clerical without
superintending and non-manual
Class IISupervisory, superintending and engaging in occasional manual labour
Class IIIPersons engage in manual work not of particularly hazardous in nature


6. Age Limits

The age limit for eligibility for cover is from 30 days to 65 years of age, Renewable up to 70 years of age.

7. Table of Benefits and Annual Premium

Please refer to Appendix B27 -(i),
Children aged between one month to 12 years old Maximum Capital Sum Insured allowable is RM50,000
Children aged between 13 years old to 17 years old -Maximum Capital Sum Insured allowable is RM100,000

8. Referred Risks (Acceptance of such risk is to be referred to Business Development or Branch Head)

a) Persons outside the age limits
b) Persons who do not have a regular occupation or 
    business
c) Quarry workers
d) Shipbuilders
e) Stevedores
f) Woodworking machinists

9. Special Acceptance Risks (Acceptance of such risk is to be referred to Portfolio Underwriters/Head of Underwriting and Technical Support)

a) Demolition workers
b) Entertainers including musicians, persons engaged         in the theatrical professional and circus performance
c) Firemen
d) Persons who are not in good health
e) Persons working or staying in overseas
f) Sawyers, Timber logging workers
g) Drivers/Attendants of timber lorries or logging 
    trucks
h) Persons engaged in underground mining and 
    tunneling
i) Seamen
j) Steeplejacks

10. Declined Risks (Any accommodation of such risk is to be referred to Head of Underwriting and Technical Support/ Risk Review Committee)

a) Diver
b) Police, Army/ Military and Law Enforcement Officers
c) Aircraft Testers, Pilots or Crews
d) Seamen
e) Sea Fishermen
f) Racing Drivers
g) Jockeys
h) Oil Rig Workers
i) War Correspondents
j) Persons engaged in ambulance services
k) Explosive Handlers
I) Professional Sports Team



Pengenalan

Polisi ini menyediakan perlindungan kemalangan menyeluruh dengan peningkatan dalam jumlah diinsuranskan sehingga maksimum 50% bagi kematian akibat kemalangan dan hilang upaya kekal jika terdapat tiada tuntutan telah dikemukakan di bawah Polisi ini, dan kemasukan hospital tanpa tunai sekiranya berlaku kemalangan yang mengakibatkan kemasukan ke hospital .

2. Skop perlindungan

Manfaat yang ditawarkan di bawah Polisi ini adalah:


 a. 
Accidental Death
100% of capital sum insured
 b.Permanent Disablement
Based on a certain percentage of the capital sum insured depending on the nature and severity of the disablement.
 c.Double Indemnity
Compensation shall be double in the event of an accident resulting in death or permanent total paralysis whilst travelling as a fare-paying passenger on any mode of public transport or whilst travelling overseas
 d.Financial Obligation (accidental : death or Permanent Disablement where the percentage of the compensation payable is 50% or more
10% of the Capital Sum Insured or RM50,000, whichever is lower, to pay
the Insured Person's outstanding financial obligations on housing loan and motor loan up to 6 months repayment and the outstanding balance of Credit Card at the time of the accident.
 e.Medical Expenses
Up to the limit of sum insured: including traditional treatment up to RM50.00 per visit subject to: maximum of RM500 provided the traditional treatment is carried out
: after hospitalization
 f.Bereavement Benefit for Dengue, 
Malaria, Japanese Encephalitis (JE) and Severe Acute Respiratory Syndrome (SARS)
10% of Capital Sum Insured for death due to Dengue, Malaria, Japanese and Severe Acute Respiratory i Encephalitis (JE)
 g.Hospital Cash Income (hospitalization due to accident) 
Daily benefit up to maximum of 180 days is hospitalized for more than 12 hours
 h.Reimbursement  of Prosthesis/ Wheelchair
Actual cost incurred up to RM1,000 for purchase of wheelchair, artificial arm or leg and crutches as recommended by attending physician.
 i.Kidnap Benefit
A lump sum of RM5,000 for . necessary expenses incurred and a Reward of RM25,000 for information leading to the recovery of the Insured
 j.Impotency or Infertility due to accident
10% of Capital Sum Insured
 k.Ambulance Fees (Accident)
Actual charged for incurred on necessary ambulance services rendered in Malaysia up to RM500 per accident
 l.Funeral Expenses (Accident)
Up to RM5,000
 mRepatriation (Overseas)
Actual expenses incurred up to RM3,000 for transporting the mortal remains back to Malaysia
 n.Dental or Cosmetic Surgery
Up to RM5,000 per accident for expenses incurred for dental correction or corrective cosmetic surgery performed on the neck or head following injuries as a result of an accident
 o.Personal liability
Up to the Limit of Indemnity specified


Optional cover


 Weekly
Benefits
(i) Temporary Total DisablementWeekly benefits up to Max of 52 weeks
 (ii) Temporary Partial DisablementWeekly benefit (not exceeding 50% of Disablement of the weekly compensation per week) Max 52 weeks

Kemasukan Hospital Tanpa Tunai 

Sekiranya berlaku kemalangan yang menyebabkan kemasukan ke hospital, rakan kongsi kami , Asia Assistance Network (M ) Sdn. Bhd , yang boleh dihubungi melalui Pusat 24jam penggera mereka akan memudahkan kemasukan ke dalam atau keluar hospital yang mengambil bahagian dengan menyediakan jaminan ke hospital berkenaan sehingga had maksimum Perbelanjaan Manfaat perubatan polisi.


3. Liputan Extension

Berikut risiko / bahaya dilindungi oleh Polisi ini :
a) Motosikal
b) Pembunuhan tanpa provokasi & Serangan
c) Lemas
d) Lemas oleh asap , beracun Gas atau Wasap
e) Makanan atau Minuman Keracunan
f) Mabuk Alkohol
g) Mabuk Dadah Ditetapkan
h) Amatur Sukan
i ) Sukan Musim Sejuk
j) Memburu
k) Polo Playing
I) Bungee Jumping
m ) Mogok, Rusuhan dan Kekecohan Awam
n) serangga , ular atau Serangan Haiwan
0) Rampasan
p) Kehilangan
q ) Pendedahan kepada Elemen Asli
r) sukan air termasuk Yachting & Air Bermain ski
s ) Bencana Alam seperti gempa bumi , La Nina, El Nino , Banjir, Tsunami,
Katrina, dan lain-lain

4. PENGECUALIAN DI BAWAH POLISI

Gila, Bunuh diri, diri yang disengajakan Kecederaan
Penyakit, penyakit , penyakit, HIV , AIDS, ARC
Melahirkan anak, keguguran, mengandung
Kecacatan kongenital , kecacatan fizikal atau mental yang sedia ada atau keuzuran
Pembunuhan atau serangan akibat provokasi
Walaupun Melakukan Akta menyalahi undang-undang
Terbang sebagai juruterbang atau anak kapal dalam mana-mana pesawat
Menunggang / memandu tanpa lesen
Sukan profesional
Seni Mempertahankan Diri, Tinju,
Aktiviti udara
Perlumbaan (selain daripada berjalan kaki), Ujian Kelajuan
Sinaran atau pencemaran radioaktif
Liabiliti yang diandaikan oleh Perjanjian , Liabiliti Majikan , Liabiliti Penghuni itu , Liabiliti berkaitan dengan penggunaan Pesawat, Kenderaan Bermotor
Peperangan, serangan , tindakan musuh asing, permusuhan , perang saudara, pemberontakan, revolusi , pemberontakan, ketenteraan atau rampasan kuasa , dahagi, pemberontakan popular Sinaran atau pencemaran radioaktif 
Keganasan

5. Klasifikasi Pekerjaan

Kelas I
Profesional , pentadbiran, pengurusan , perkeranian tanpa Penguasa dan bukan manual
Kelas II 
Penyeliaan, Penguasa dan melibatkan diri dalam kerja kasar sekali-sekala
Kelas III 
Orang melibatkan diri dalam kerja-kerja manual yang tidak berbahaya di alam semula jadi


6. Had umur

Had umur kelayakan untuk perlindungan adalah antara 30 hari hingga 65 tahun , boleh diperbaharui sehingga 70 tahun.

7. Jadual Manfaat dan Premium Tahunan

Sila rujuk Lampiran B27 - ( i),
Kanak-kanak berumur antara satu bulan hingga 12 tahun maksimum Modal Jumlah Diinsuranskan yang dibenarkan ialah RM50, 000
Kanak-kanak yang berumur di antara 17 tahun - maksimum yang dibenarkan Diinsuranskan Modal Jumlah 13 tahun ialah RM100, 000

8. Risiko Rujukan ( Penerimaan risiko tersebut adalah untuk dirujuk kepada Pembangunan Perniagaan atau Ketua Cawangan )

a) Orang yang di luar had umur
b ) Orang yang tidak mempunyai pekerjaan tetap atau
    perniagaan
c ) Pekerja Kuari
d) Shipbuilders
e) stevedores
f) machinists Woodworking

9. Penerimaan khas Risiko ( Penerimaan risiko tersebut adalah untuk dirujuk kepada Portfolio Underwriters / Ketua Pengunderaitan dan Sokongan Teknikal)

a) Pekerja perobohan
b) Penghiubur termasuk pemuzik , orang yang terlibat dalam prestasi profesional dan sarkas teater
c) Anggota bomba
d ) Orang yang tidak berada dalam kesihatan yang baik
e) Orang yang bekerja atau tinggal di luar negara
f) Sawyers , pekerja pembalakan Kayu
g) Pemandu / Atendan lori kayu atau pembalakan trak
h) Orang yang terlibat dalam perlombongan bawah tanah dan terowong
i) Pelaut
j) Steeplejacks

10. Risiko Ditolak ( Apa-apa penginapan risiko tersebut akan dirujuk kepada 
    Ketua Pengunderaitan dan Jawatankuasa Teknikal Kajian Sokongan / Risiko)

a) Penyelam (Diver)
b) Polis, Tentera / Tentera dan Penguatkuasaan Undang-undang Pegawai
c ) Pesawat Penguji , Juruterbang atau Crews
d) Pelaut
e) Nelayan (Laut)
f ) Pemandu Perlumbaan
g) Joki
h) Pekerja Rig Minyak
i) Wartawan Perang
j) Orang yang terlibat dalam perkhidmatan ambulans
k ) Pengendali Letupan
I) Pasukan Sukan Profesional


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Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take up The Gladiator cover. Be sure to also read the general terms and conditions). THE GLADIATOR  Dec 13, 2012, 6:42 AM YVONNE WONG
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Payment instruction to insurer for your insurance transaction. 信用卡付款指令,保险公司的保险交易。Pembayaran Kad Kredit arahan kepada syarikat insurans untuk transaksi insurans anda.  Dec 13, 2012, 6:41 AM YVONNE WONG
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