Chubb Travel Insurance

Policy Wordings (Individual Policy)

, its respective logos and Chubb.

Insured.

are protected trademarks of Chubb. Published 02/2022

Contents

Benefit Schedule .................................................................................................... 3

Important Information Regarding This Policy ...................................................... 6

Part 1 Interpretation................................................................................................6

Part 2 Eligibility......................................................................................................12

Part 3 Scope And Limits Of Cover And Benefits ...................................................13

Part 4 General Exclusions......................................................................................15

Part 5 Special Conditions .......................................................................................17

Part 6 General Conditions......................................................................................18

Part 7 Benefits........................................................................................................21

Complaints ............................................................................................................63

Privacy Notice .......................................................................................................64

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Benefit Schedule

Benefits

Maximum Sum Insured (RM)

International

Domestic

First

Executive

First

Executive

Personal Accident

Accidental Death and Permanent Disablement

Adult

Child

325,000

81,250

300,000

75,000

200,000

50,000

100,000

25,000

Child Education Fund

15,000

10,000

N/A

Medical Expenses

a) Due to Accident

Up to age 69 years

Above age 70 years

b) Due to Sickness

Up to age 69 years

Above age 70 years

2,000,000

500,000

1,000,000

150,000

800,000

300,000

450,000

100,000

25,000

(due to

accident &

up to age 80

years only)

20,000

(due to

accident & up

to age 80 years

only)

Follow Up Medical Expenses In Malaysia

(up to 30 days)

a) Due to Accident

Up to age 69 years

Above age 70 years

b) Due to Sickness

Up to age 69 years

Above age 70 years

100,000

50,000

25,000

50,000

25,000

12,500

N/A

Alternative Treatment

1,000

500

N/A

Daily Hospital Income

Max coverage day

Up to age 69 years

Above age 70 years

60 days

350 per day

100 per day

60 days

250 per day

100 per day

30 days

100 per day

50 per day

30 days

100 per day

50 per day

Compassionate Visit

10,000

2,000

1,000

Child Guard

10,000

2,000

1,000

Emergency Medical Evacuation & Repatriation

Unlimited

150,000

100,000

Repatriation of Mortal Remains

(Include Burial & Cremation expenses)

Unlimited

150,000

100,000

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Travel Inconvenience

Travel Cancellation

a) Cancellation Expenses

b) Postponement Expenses

Actual Cost

1,000

50,000

500

2,000

N/A

1,500

N/A

Travel Curtailment

Actual Cost

50,000

2,000

1,500

Travel Disruption

2,000

1,000

N/A

Loss or Damage of Personal Belongings &

Baggage

a) Any one article limit

b) Portable Computer

Max Limit

500

1,500

7,500

500

1,000

5,000

500

N/A

2,000

500

N/A

1,000

Loss or Damage to Travel Documents

7,500

5,000

N/A

Loss of Personal Money*

750

N/A

Fraudulent Use of Lost Credit Card

1,000

500

N/A

Baggage Delay (every 6 consecutive hours)

a) Max Limit (Overseas)

Per family limit

b) Max Limit (Malaysia)

Per family limit

200

1,000

3,000

400

1,200

200

800

2,400

200

600

200

N/A

1,000

N/A

150

N/A

600

N/A

Travel Delay (every 6 consecutive hours)

Max Limit

200

4,000

200

3,600

200

1,000

150

600

Travel Misconnection (every 6 consecutive

hours)

Max Limit

200

1,000

200

600

N/A

Travel Re-Route (every 6 consecutive hours)

Max Limit

200

1,000

200

600

N/A

Travel Overbook (every 6 consecutive hours)

Max Limit

200

1,000

200

600

N/A

Missed Departure (every 6 consecutive hours)

Max Limit

200

1,000

200

600

N/A

Hijacking Inconvenience (every 24

consecutive hours)

Max Limit

400

800

400

800

N/A

Personal Liability

1,500,000

1,000,000

500,000

250,000

Emergency Mobile Phone Charges

150

100

N/A

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Lifestyle

Golf Benefit

a) Hole In One

b) Loss of golf equipment due to Theft

c) Unused golf green fees due to Bodily

Injury or sickness

1,000

N/A

250

500

250

N/A

Home Inconvenience Allowance

Any one article limit

5,000

500

3,000

500

N/A

Pet Care (amount per 24 hour)

Max Limit

100

N/A

Others

Terrorism Extension

Included

Chubb Assistance Benefits

24 Hours Telephone Access

Medical Assistance

Travel Assistance

Included

Benefits Extended to Cover COVID-19

Medical Expenses due to Sickness

Up to age 69 years

Above age 70 years

450,000

N/A

Emergency Medical Evacuation & Repatriation

Unlimited

N/A

Repatriation of Mortal Remains

Unlimited

N/A

Daily Hospital Income

Max coverage day

Up to age 69 years

Above age 70 years

60 days

350 per day

100 per day

60 days

250 per day

100 per day

N/A

Travel Cancellation

50,000

N/A

Travel Curtailment

50,000

N/A

Optional: Add-On Benefit (with additional premium)

Cruise Pack

a) Excursion Tour Cancellation

b) Excursion Tour Curtailment

c) Cruise Re-Route

Actual Cost

2,000

50,000

2,000

N/A

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Chubb Travel Insurance Policy

Important Information Regarding This Policy

The Policy

1. This Policy, all written proposals, Certificate of Insurance and endorsements (if any) that We may

issue from time to time sets out the entire rights and obligations between You and Us under the

Policy. This Policy is issued in consideration of the information, answers and disclosures provided.

2. In return for You paying Us the premium, We will insure You for the Benefits to the extent provided

in this Policy, subject to the terms, conditions, definitions and exclusions contained in this Policy and

Certificate of Insurance.

Please read the Policy

3. It is important that You carefully read and understand this Policy and Certificate of Insurance

because they describe the terms, conditions and exclusions that apply to the insurance under this

Policy.

Checking the Policy

4. Please check the Policy and/or Certificate of Insurance to make sure all the information on them is

correct. Please let Us know immediately if any alterations are needed. Please contact Us if there is a

change of address or account details.

Part 1 – Interpretation

Section 1 - Definitions

Accident or Accidental means a sudden, unforeseen and fortuitous event.

Act of Terrorism means any actual or threatened use of force or violence directed at or causing damage,

injury, harm or disruption, or commission of an act dangerous to human life or property, against any

individual, property or government, which the stated or unstated objective of pursuing economic, ethnic,

nationalistic, political, racial or religious interests, whether such interests are declared or not. Robberies or

other criminal acts, primarily committed for personal gain and acts arising primarily from prior personal

relationships between perpetrator(s) and victim(s) shall not be considered Act of Terrorism. Act of Terrorism

shall also include any act, which is verified or recognized by the (relevant) government as an act of terrorism.

Annual Policy means a Coverage issued for the selected plan where the Insured Person can make an

unlimited number of Journeys to the selected Zone of travel during the Period of Insurance.

Benefit means the respective benefit, as stated in the Benefit Schedule and according to the type of plan

stated in Your Certificate of Insurance, payable by Us under the terms and conditions of this Policy in respect

of each event or loss covered by this Policy.

Benefit Schedule means the document which is incorporated and forms part of this Policy which contains

details of the Benefits for this Policy, according to the type of plan stated in the Certificate of Insurance.

Bodily Injury means Accidental injury sustained resulting solely, directly and independently of all other

causes from an Accident and caused by external, violent and visible means.

Cancellation Expenses means loss of deposits, advance payments for Journey or accommodation or other

charges, which are either forfeited, deemed non-refundable or levied due to the cancellation of the Journey,

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

resulting from a Specified Cause under Part 7 – Section 11 or COVID-19 Specified Cause under Part 7 –

Section 36.

Certificate of Insurance means the document entitled Certificate of Insurance issued to the Policyholder

to confirm that the Insured Person have been accepted according to the terms and conditions of this Policy.

The Certificate of Insurance contains details specific to the Insured Person and forms part of this Policy.

Child(ren) means the Policyholder’s legal unmarried dependent child(ren), including stepchild(ren) and/or

legally adopted child(ren) who is/are at least thirty (30) days old and not older than eighteen (18) years old

(or twenty-three (23) years old if studying full-time in a recognized tertiary institution), on the

commencement of the Period Of Insurance.

Civil Commotion means a disturbance, commotion or disorder created by civilians usually against a

governing body or the policies thereof.

Claimant means the Insured Person, the Nominee, or any other person, as the case may be, who is legally

entitled to claim the Policy Benefits, according to the terms and conditions of the Policy and/or in law.

Common Carrier means any land, sea or air carrier operated under a license for the transportation of fare

paying passengers, and which has fixed and established routes only. It does not include taxi or private car, nor

does it mean any such carrier if chartered or arranged as part of a tour even if such services are regularly

scheduled.

Communicable Disease Outbreak or Communicable Disease means a disease that may be

transmitted directly or indirectly by one person or animal to another by any means due to a virus, bacteria or

other microorganism and that leads to:

(i) the imposition of quarantine or restriction in movement of people or animals by any national or

international body or agency; or

(ii) a travel advisory or warning being issued by a national or international body or agency.

Compulsory Quarantine means the Insured Person is quarantined in a facility appointed by the

government authorities for at least one (1) full day until discharged. Compulsory Quarantine does not mean

the closure of borders by a government or travel body, the enforcement of social distancing measures, a stay at

home notice, or a period of isolation or social distancing required either before Your departure or at Your

destination Overseas.

Confined or Confinement means confinement in a Hospital for at least a Day as a resident in-patient

(other than for day surgery) upon the advice of and under the regular care and attendance of a Physician and

for this purpose. Day shall mean a period for which the Hospital charges for room and board.

Coverage means the cover provided to the Insured Person named in the Certificate of Insurance under this

Policy.

COVID-19 refers to the strain of Novel Coronavirus 2019 classified in February 2020 by the World Health

Organisation (WHO) as “Coronavirus Disease 2019 (COVID-19)” or any mutation or variation thereof or any

related strain), contracted and commencing whilst this Policy is in force and results, directly and

independently of all other such causes.

Critical Medical Condition means a medical condition suffered by the Insured Person which is

determined to be life-threatening by the Physician treating the Insured Person :

a) For Overseas Journey : as a result of Bodily Injury or Sickness ;

b) For Domestic Journey : as a result of Bodily Injury.

Cruise means travel or accommodation on a ship, sailing vessel (other than a private sailing vessel or a

privately registered vessel), boat or river cruise (other than a day trip which do not involve over-night

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

accommodation), which is owned and operated by a registered company, during all or part of the Insured

Person’s Journey.

Death means death occurring solely, directly and independently of all other causes, as a result of a Bodily

Injury.

Dental Expenses means reasonable and necessary charges for emergency dental treatment due to Bodily

Injury to natural tooth/teeth caused by an Accident, carried out by a Dentist, medically necessary to treat the

Insured Person’s condition that has manifested whilst the Insured Person is on a Journey, including charges

for medical supplies or services, not exceeding the usual level of charges for similar treatment, supplies or

medical services in the locality where the expense is incurred and does not include charges that would not

have been made if no insurance existed.

Dentist means a legally licensed dentist or dental surgeon qualified by a medical degree and duly registered

to practice dentistry and who, in rendering treatment, is practicing within the scope of his licensing and

training in the geographical area of practice. Dentist shall not include the Insured Person, the Spouse or any

of his/her Family Member.

Designated Facility means facility that the local government has authorised to provide quarantine services

to those diagnosed with COVID-19.

Destination means the place(s) where the Insured Person expects to travel to on the Journey, as shown on

the travel itinerary.

Domestic means anywhere within Malaysia only.

Extreme Sports and Sporting Activities means any sports or sporting activities that presents a high level

of inherent danger (i.e. involves a high level of expertise, exceptional physical exertion, highly specialised gear

or stunts) including but not limited to big wave surfing, private white water rafting grade 4 and above,

canoeing down rapids, cliff jumping, horse jumping, ultra-marathons, biathlons, triathlons, and stunt riding.

This Extreme Sports and Sporting Activities does not mean usual tourist 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 recognised 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 operators when carrying out such

tourist activities.

Family Member means the Insured Person’s Spouse, parents, parents-in-law, grandparents, grandparents-

in-law, great grandparents, great grandparents-in-law, Child(ren), daughter-in-law, son-in-law, brothers or

sisters, brother-in-law, sister-in-law, grandchild(ren), step-brother, step-sister, step-parents, Guardian.

Family Plan under Annual and/or Single Trip Policy shall comprise:

a) the Policyholder;

b) the Policyholder’s Spouse; and/or

c) the Policyholder’s Child(ren)

Notwithstanding anything to the contrary set forth in this Policy, the Child(ren) covered under a Family

Plan must be accompanied by the Policyholder or his/her Spouse for any Journey made during the Period

of Insurance.

Financial Default means either the complete suspension of operation due to financial circumstances

whether or not bankruptcy/liquidation petition is filed; or partial suspension of operations following a filling

of a bankruptcy/liquidation petition.

Fully Vaccinated means the Insured Person has completed the recommended or required doses of vaccine

approved or recognized by the Government of Malaysia, or the relevant authority including the Ministry of

Health of Malaysia.

Guardian means an individual who has legal guardianship over a Child(ren) before he/she reaches the age of

eighteen (18).

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Home means the Insured Person’s usual place of residence in Malaysia.

Hospital means a legally constituted establishment operated pursuant to the laws of the country in which it

is based, which holds a license as a hospital (if licensing is required in the state or government jurisdiction)

and meets the following requirements:

a) operates primarily for the reception, care and medicare and treatment of sick, ailing or injured persons as

in-patients;

b) provides full-time nursing service by and under the supervision of a staff of Nurses;

c) has a staff of one or more Physicians available at all times;

d) maintains organized facilities for the medical diagnosis and treatment of such persons, and provides

(where appropriate) facilities for major surgery within the confines of the establishment or in facilities

controlled by the established; and

e) is not primarily a clinic, nursing, rest or convalescent home or similar establishment and is not, other than

incidentally, a place for alcoholics or drug addicts.

and Hospital shall not include the following:

a) a mental institution; an institution confined primarily to the treatment of psychiatric disease including

sub-normally; the psychiatric department of a Hospital;

b) a place for the aged; a rest home; a place for drug addicts or alcoholics;

c) a health hydro or nature cure clinic; a special unit of a hospital used primarily as a place for drug addicts

or alcoholics, or as a nursing, convalescent, rehabilitation, extended-care facility or rest home;

d) any establishment which provides Traditional or Complementary Medicine or Treatment.

Insured Person(s) means the Policyholder, and/or the Spouse and/or the Child(ren) (as the case may be)

named in the Certificate of Insurance, who satisfy the applicable eligibility requirements and with respect to

premium which has been paid.

Journey means any trip undertaken by the Insured Person within the Period of Insurance which is :

i) One Way Journey means a one-way trip made by the Insured Person from Malaysia to a Destination

Overseas, and shall commence on the later of the following:

- 12.00 a.m. on the commencement of the Period of Insurance; or

- the time the Insured Person leaves his/her Home or usual place of employment in Malaysia to proceed

directly to the place of embarkation in Malaysia to commence the trip;

and shall terminate on the earlier of the following :

- 11.59 p.m. on the expiry date of the Period of Insurance; or

- the time the Insured Person leaves the airport in the Destination country.

ii) Return Journey means a return trip made by the Insured Person from Malaysia to a Destination

(Overseas or Domestic) and back, and shall commence on the later of the following:

- 12.00 a.m. on the commencement of the Period of Insurance; or

- twenty-four (24) hours prior to the Insured Person’s scheduled departure time from Malaysia provided the

Insured Person is in direct transit between his/her Home and the Overseas departure point in Malaysia; or

- from the time the Insured Person leaves his/her Home or usual place of employment in Malaysia (excluding

daily commute to and from the Insured Person’s usual place of employment or work and involves him/her

traveling more than fifty (50) kilometres from his/her Home for at least one (1) paid overnight stay, to

commence the trip;

and shall terminate on the earlier of the following :

- 11.59 p.m. on the expiry date of the Period of Insurance specified in the Certificate of Insurance; or

- twenty-four (24) hours after the Insured Person is cleared to pass through the arrival immigration check-

point in Malaysia solely for the purpose of direct transit to his/her Home or usual place of employment in

Malaysia.

- the time the Insured Person returns to his/her Home or usual place of employment in Malaysia.

Loss of Hearing means total and irrecoverable loss of hearing which is beyond remedy by surgical or other

treatment.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Loss of Limb means total and irrecoverable functional disablement which is beyond remedy by surgical or

other treatment, or loss by complete and permanent physical severance, of a hand at or above the wrist or a

foot at or above the ankle.

Loss of Sight means the total and irrecoverable loss of all sight in any eye rendering the Insured Person

absolutely blind in that eye and beyond remedy by surgical or other treatment.

Loss of Speech means total and irrecoverable loss of speech which is beyond remedy by surgical or other

treatment.

Medical Expenses means Usual, Reasonable and Customary Medical Expenses necessarily and reasonably

incurred in the medical or surgical treatment of :

a) For Overseas Journey : Bodily Injury or Sickness covered by this Policy ;

b) For Domestic Journey : Bodily Injury covered by this Policy.

Mountaineering or Trekking means the ascent or descent of a mountain (including mountain trekking)

3,000 meters above sea level ordinarily necessitating the use of specified equipment including but not limited

to crampons, pickaxes, anchors, bolts, carabineers and lead-rope or top-rope anchoring equipment, as well as

any form of abseiling or rock climbing activities necessitating the use of ropes and other climbing equipment.

Natural Disasters means extreme weather conditions (including but not limited to typhoons, hurricanes,

cyclones or tornadoes), naturally occurring wildfires, floods, tsunamis, volcanic eruptions, earthquakes,

landslides or other convulsion of nature or by consequences of any of the occurrences mentioned above.

Nominee means a person that the Policyholder has nominated pursuant to Schedule 10 of Financial

Services Act 2013 to receive the Policy Benefits payable under the Certificate of Insurance upon the Accidental

Death or Permanent Total Disablement of the Insured Person.

Nurse means any qualified or trainee nurse or general nurse duly registered pursuant to the laws of the

country in which the nurse is employed.

Overseas means anywhere outside Malaysia, but excluding Cuba.

Period of Insurance means the period during which the Coverage under this Policy is effective, as stated in

the Certificate of Insurance.

Permanent Disablement means disablement that results solely, directly and independently of all other

causes, from Bodily Injury and which occurs within one hundred and eighty (180) consecutives days of the

Accident in which such Bodily Injury was sustained, and:

a) falls into one of the categories listed in the Table of Benefits under Section 1 of Part 7; and

b) is a disablement which, having lasted for a continuous and uninterrupted period of at least twelve (12)

month, is at the expiry of that period, beyond hope of improvement.

Permanent Total Disablement means disablement that result solely, directly and independently of all

other causes, from Bodily Injury which occurs within one hundred and eighty (180) consecutive days of the

Accident in which such Bodily Injury was sustained, which, having lasted for at least twelve (12) consecutive

months, will in all probability, entirely prevents the Insured Person from engaging in gainful employment of

any and every kind for the remainder of his/her life and from which there is no hope of improvement.

Physician means a legally licensed medical practitioner qualified by a medical degree and duly registered to

practice allopathic medicine and who, in rendering treatment, is practicing within the scope of his licensing

and training in the geographical area of practice. Physician shall not include the Insured Person, the Spouse or

any of his/her Family Member.

Policy means this policy wording, with the Benefit Schedule and the Certificate of Insurance, and any other

documents We may issue that We advise will form part of the Policy.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Policyholder means the person who is named in the Certificate of Insurance as the Policyholder and who

pays the premium to Us in respect of the Insured Person(s).

Pre-existing Condition(s) means any condition which the Insured Person has reasonable knowledge of, in

the twelve (12) months prior to the commencement of the Period of Insurance. The Insured Person is

considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:

a) he/she has received or are receiving medical treatment, diagnosis, consultation or prescribed drugs, or

b) medical advice, diagnosis, care or treatment was recommended by a Physician, or

c) clear and distinct symptoms are or were evident, or

d) its existence would have been apparent to a reasonable person in the circumstances.

Riot means the act of any person taking part together with others in any disturbance of the public peace

(whether in connection with a strike or lock-out or not) or the action of any lawfully constituted governmental

authority in suppressing or attempting to suppress any such disturbance or in minimizing the consequences

of such disturbance.

Scheduled Departure Date means the date on which the Insured Person is scheduled to depart on a

Journey as set out in the travel itinerary or travel ticket.

Serious Bodily Injury or Serious Sickness means:

a) For Overseas Journey: Bodily Injury or Sickness which causes the Insured Person to be Confined in a

Hospital Overseas for more than five (5) consecutive days and certified in writing by a Physician.

b) For Domestic Journey: Serious Bodily Injury means Bodily Injury which causes the Insured Person to be

Confined in a Hospital within Malaysia for more than five (5) consecutive days and certified in writing by a

Physician.

For the avoidance of doubt, Serious Sickness shall exclude any illness arising from COVID-19.

Sickness means physical condition marked by a pathological deviation from the normal healthy state as

verified by a Physician which requires immediate treatment by a Physician and which is not a Bodily Injury.

For an Overseas Journey, this condition must be contracted or manifested whilst Overseas during the

Overseas Journey. For the avoidance of doubt, Sickness shall exclude any illness arising from COVID-19.

Single Trip Policy means a policy issued for the selected plan where the Insured Person can only make and

will only be covered under this Policy for a single Journey to the selected Zone of travel during the Period of

Insurance.

Spouse means the legal spouse, as recognized under applicable Malaysian laws. For the purpose of this

Policy, a Common Law marriage is not considered a legal marriage.

Strike means the willful act of any striker or locked-out worker done in furtherance of a strike or in resistance

to a lock-out; or the action of any lawfully constituted authority in preventing or attempting to prevent any

such act or in minimizing the consequences of any such act.

Temporary Medical & Quarantine Facility means any government temporary facility established to

confine, isolate, hold or treat individuals diagnosed with COVID-19.

Traditional or Complementary Medicine or Treatment means any medicine or treatment provided by

religious medical practice, homeopathy, chiropractic, osteopathy and/or any other alternative traditional or

complementary medicine or treatment.

Travel Companion means a person who has travel bookings to accompany the Insured Person on the entire

Journey. A Travel Companion must be a person who is separately insured under a leisure travel insurance

policy underwritten by Us for the same Journey.

Traditional Physician means a legally licensed traditional medicine practitioner (including an

acupuncturist or bonesetter) duly registered and practising within the scope of his licensing and training in

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

the geographical area of practice. Traditional Physician shall not include the Insured Person, the Spouse or

any of his/her Family Member.

Usual, Reasonable and Customary Medical Expenses means charges for treatment, supplies or

medical services medically necessary to treat the Insured Person’s condition, does not exceed the usual level of

charges for similar treatment, supplies or medical services in the locality where the expense is incurred and

does not include charges that would not have been made if no insurance existed.

We/Our/Us means Chubb Insurance Malaysia Berhad, Registration Number : 197001000564 (9827-A).

You/Your means the applicable Insured Person.

Zone means:

Zone 1: Australia, Bangladesh, Brunei, Cambodia, China (excluding Tibet and Mongolia), Hong Kong SAR,

India, Indonesia, Japan, Korea, Laos, Macau SAR, Maldives, Myanmar, New Zealand, Pakistan, Philippines,

Singapore, Sri Lanka, Taiwan, Thailand, Vietnam.

Zone 2 : Worldwide including Zone 1 (excluding USA, Canada, Middle East, Nepal, Tibet, Mongolia & Cuba)

Zone 3 : Worldwide (excluding Cuba)

Domestic : Within Malaysia and travelling more than 50km from place of residence.

Part 2 – Eligibility

1. To be eligible for cover under this Policy for Overseas Journeys:

a) The Insured Person and/or his/her Spouse (where Family Plan is chosen) must be a Malaysian,

Malaysian Permanent Resident, or holder of a valid (issued by the authorities in Malaysia) work

permit, employment pass, dependent pass, long-term social visit pass, or student pass, and be at least

eighteen (18) years of age on the commencement of the Period of Insurance and/or upon renewal;

b) the Child(ren) (where Family Plan is chosen), must be:

i) a Malaysian, Malaysian Permanent Resident, or holder of a valid (issued by the authorities in

Malaysia) dependent pass or student pass;

ii) at least thirty (30) days of age and not more than eighteen (18) years old (or twenty-three (23)

years old if studying full-time in a recognized tertiary institution) on the commencement of

the Period of Insurance;

iii) unmarried; and

iv) unemployed.

2. To be eligible for cover under this Policy for Domestic Journeys:

a) The Insured Person and/or his/her Spouse (where Family Plan is chosen) must be a Malaysian,

Malaysian Permanent Resident, or holder of a valid (issued by the authorities in Malaysia) work

permit, employment pass, dependent pass, long-term social visit pass, or student pass, and be at least

eighteen (18) years of age up to eighty (80) years of age on the commencement of the Period of

Insurance;

b) the Child(ren) (where Family Plan is chosen), must be:

i) a Malaysian, Malaysian Permanent Resident, or holder of a valid (issued by the authorities in

Malaysia) dependent pass or student pass;

ii) at least thirty (30) days of age and not more than eighteen (18) years old (or twenty-three (23)

years old if studying full-time in a recognized tertiary institution) on the commencement of

the Period of Insurance;

iii) unmarried; and

iv) unemployed.

3. In the event that the Insured Person is below the age of eighteen (18) years old when purchasing this

policy, the Insured Person’s parent or Guardian must enter into this contract of insurance with Us on

his/her behalf.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

4. The Insured Person is only allowed to take up One Way Journey insurance if he/she is a student going

Overseas for education or he/she is emigrating.

Part 3 – Scope and Limits Of Cover And Benefits

Section 1 - Commencement of Coverage

1. Single Trip Policy

a) Coverage under Section 11 of Part 7 for Cancellation Expenses is effective upon the issuance of the

Certificate of Insurance and terminates on commencement of the planned Journey from Malaysia (for

Overseas Journey) or from the Insured Person’s Home (for Domestic Journey).

b) Coverage under Section 11 of Part 7 for Postponement Expenses is effective upon the issuance of

Certificate of Insurance and terminates upon postponement of the planned Overseas Journey.

c) Coverage under Section 36 of Part 7 for Travel Cancellation due to COVID-19 is effective upon the

issuance of the Certificate of Insurance or within fifteen (15) days prior to the Scheduled Departure

Date, whichever is later and shall cease on the commencement of the Journey.

For all other Sections, Coverage commences upon commencement of the planned Journey.

2. Annual Policy

a) Coverage under Section 11 of Part 7 for Cancellation Expenses is effective upon the date and time You

confirmed the booking for the Journey (Overseas or Domestic).

Section 2 - Limits Of Coverage

1. All the Coverages under this Policy shall terminate automatically on the earliest of the following events:

i) Upon the expiry of any Period of Insurance;

ii) Upon the Policyholder ceasing to satisfy any of the eligibility requirements set out herein;

iii) Upon the Policyholder’s death;

iv) Upon the Insured Person’s return to Malaysia (for Overseas Journey) or the Insured Person’s Home

(for Domestic Journey).

2. All the Coverages under this Policy shall terminate automatically for the Spouse and/or the Child(ren) on

the earliest of the following events:

i) Upon the Spouse and/or the Child(ren) ceasing to satisfy any of the eligibility requirements set out

herein;

ii) Upon the Spouse and/or the Child(ren)’s death.

3. In the event the Insured Person’s Coverage under this Policy is terminated under Clause 1 above, the

entire Policy and Coverage for all other Insured Persons, the Spouse and/or Child(ren) in the same

Certificate of Insurance (if any) will terminate automatically.

4. Unless otherwise provided in an appropriate endorsement, the Insured Person, the Spouse and/or the

Child(ren) shall only be covered:

a) if this Policy is an Annual Policy:

i) For Overseas Journey : for the first ninety (90) consecutive days of any Journey, and We shall not

be liable in respect of any loss occurring after 12.00 a.m. on the ninety first (91st) day after

commencement of any Journey, or termination of the Coverage under Clause 1 above, whichever

is earlier;

ii) For Domestic Journey : for the first thirty (30) consecutive days of any Journey, and We shall not

be liable in respect of any loss occurring after 12.00 a.m. on the thirty first (31st) day after

commencement of any Journey, or termination of the Coverage under Clause 1 above, whichever

is earlier;

b) if this Policy is a Single Trip Policy:

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

i) For Overseas Journey : for the first one hundred and eighty-three (183) consecutive days of any

Journey, and We shall not be liable in respect of any loss occurring after 12.00 a.m. on the one

hundred and eighty fourth (184th) day after commencement of any Journey, or termination of the

Coverage under Clause 1 above, whichever is earlier;

ii) For Domestic Journey : for the first thirty (30) consecutive days of any Journey, and We shall not

be liable in respect of any loss occurring after 12.00 a.m. on the thirty first (31st) day after

commencement of any Journey, or termination of the Coverage under Clause 1 above, whichever

is earlier;

5. The scope of Coverage and Benefits under this Policy shall be limited to the Zone stated in the Certificate of

Insurance where the countries included in the Zone is stated under the definition.

Section 3 - Optional Add-on Benefits

Optional Add-on benefits available to include cover which are excluded in the core plans.

If the Insured Person’s Journey includes any of the following, the Policy will only respond to claims arising

from the cover where the Insured Person has purchased the relevant optional add-on benefits as stated on the

Certificate of Insurance :

a) Cruise Pack: If the Insured Person is going on a Cruise during the Journey, the Insured Person will need

to select this benefit pack to include cover for all claims related to the Cruise.

b) Annual Domestic cover: This cover can only be selected if the Insured Person has purchased the Annual

Policy for Overseas Journey. The conditions applicable to Annual Policy under Part 5 Section 1 of this

policy shall apply to this Annual Domestic Cover Add-on Benefit.

Section 4 – Automatic Policy Extension

1. In the event that the Insured Person, as a ticket holding passenger on a scheduled Common Carrier, is

being prevented from completing the return leg of a Return Journey within the Period of Insurance, as a

result of:

a) his/her Critical Medical Condition; or

b) the scheduled Common Carrier in which the Insured Person is traveling being unavoidably delayed

due to Strike or industrial actions, adverse weather conditions or mechanical

breakdown/derangement of the Common Carrier or due to grounding of an aircraft as a result of

mechanical or structural defect;

the Period of Insurance shall be automatically extended for up to a period of:

a) fourteen (14) days without additional premium for Overseas Journey;

b) seven (7) days without additional premium for Domestic Journey.

2. In the event that the Insured Person and the Travel Companion are being prevented from completing the

return leg of a Return Journey within the Period of Insurance as a result of him/her being Confined in:

a) for Overseas Journey - Hospital Overseas at the expiry of the Policy whilst during the Journey, the

Period of Insurance shall be automatically extended for up to thirty (30) days without additional

premium;

b) for Domestic Journey - Hospital within Malaysia at the expiry of the Policy whilst during the Journey,

the Period of Insurance shall be automatically extended for up to seven (7) days without additional

premium.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Part 4 – General Exclusions

This Policy does not cover, and We will not in any event be liable to pay any claims arising directly or

indirectly from, caused by, a consequence of, arising in connection with or contributed to by any of the

following:

1. Any Pre-existing Conditions or congenital conditions.

2. Any condition, which is or results from or is a complication of infection with Human Deficiency Syndrome

(‘HIV’), any variance including Acquired Immune Deficiency Syndrome (‘AIDS’), and AIDS Related

Complications (‘ARC’), or any opportunistic infections and/or malignant neoplasm (tumor) found in the

presence of HIV, AIDS or ARC.

3. Any condition which is, results from or a complication of pregnancy, childbirth, miscarriage (except

miscarriage due to Bodily Injury as direct result of an Accident as covered under Section 3 of Part 7) or

abortion.

4. Any condition which is, results from or a complication of suicide or attempted suicide or intentional self-

injury.

5. Illnesses or disorders of a psychological nature, mental and nervous disorders, including but not limited to

insanity.

6. Any condition which results from or is a complication of any venereal disease.

7. The alcohol content in the blood and/or urine samples exceeding the limit permitted by law of the country

in which the Bodily Injury occurred or drugs not prescribed by a Physician and not for treatment of drug

addiction.

8. Declared or undeclared war or any act of war, invasion, act of foreign enemy, hostilities, civil war,

rebellion, revolution, insurrection, military or usurped power.

9. Loss, destruction or damage to any property whatsoever or any loss or expense whatsoever arising there

from or any consequential loss directly or indirectly caused or contributed to or arising from ionizing

radiations or contamination by radio-activity from any nuclear fuel or from any nuclear waste from the

combustion of nuclear fuel.

10. Any willful or intentional acts of the Insured Person whether sane or insane, self-inflicted injury, suicide

pacts or agreements or any attempts thereat, provoked homicide or assault.

11. The Insured Person acting as a law enforcement officer, emergency medical or fire service personnel, civil

defense personnel or military personnel of any country or international authority, whether full-time

service or as a volunteer.

12. The Insured Person engaging in aviation, other than as a fare-paying passenger in, boarding and alighting

from any fixed-wing aircraft provided and operated by a regularly scheduled airline or private

unscheduled air chartered company which is duly licensed for the regular transportation of fare-paying

passengers or in a helicopter provided and operated by an airline which is duly licensed for the regular

transportation of fare-paying passengers, provided such helicopter is operated only between established

commercial airports and/or licensed heliports.

13. Illegal acts (or omissions) by the Insured Person or his/her executors, administrators, legal heirs or

personal representatives.

14. Loss resulting directly or directly from action taken by any government authorities including confiscation,

seizure, destruction and restriction.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

15. Any loss or expenses which is, directly or indirectly, caused by, a consequence of, arises in connection with

or is contributed to by the Insured Person undertaking any Journey against the advice of a Physician or for

the purpose of seeking medical attention.

16. Any prohibition or breach of government regulation or any failure by the Insured Person to take

reasonable precautions to avoid a claim under this Policy following the warning of any intended Strike,

Riot or Civil Commotion through or by general mass media.

17. The Insured Person not taking all reasonable efforts to safeguard his/her property or to avoid any injury

or minimize any claim under the Policy.

18. Whilst engaging in naval, military or air force service or operation or testing of any kind of conveyance or

being employed as a manual worker or whilst engaging in offshore activities like diving, oil-rigging,

mining or aerial photography or handling of explosive or loss of or damage to hired or leased equipment,

overseas secondment as part of the Insured Person’s occupation, working holiday makers visa, Return

Journey for student studying overseas (full period or short period).

19. Any loss or expenses which arises in connection with or is contributed by the Insured Person undertaking

any Journey against the travel advice of the Ministry of Foreign Affair of Malaysia or the Ministry of

Health of Malaysia, in relation to actual or threatened Riot, Strike or Civil Commotion, war or warlike

situation, outbreak of disease or unsafe health conditions, or impending Natural Disasters, to the country

or territory of the Insured Person’s Destination, unless the Journey had already commenced prior to the

issuance of the travel advice. This shall not apply in respect of travel advice based solely on the COVID-19

(or any mutation or variation thereof or any related strain) and/or it’s outbreak.

20. Any Communicable Disease Outbreak or any fear or threat of a Communicable Disease Outbreak unless

expressly included at the date of inception or renewal of this Policy.

21. The Insured Person not being Fully Vaccinated against COVID-19.

22. Consequential loss or damage of any kind.

23. Any losses caused by terrorist attacks by nuclear, chemical and/or biological substances.

24. The Insured Person’s direct participation in any Act of Terrorism.

25. The Insured Person riding/driving without a valid driving license.

26. We will not (under any Sections) pay for claims arising directly or indirectly from any losses or expenses

with respect to Cuba.

27. The Insured Person participating or engaging in :

a) Extreme Sports and Sporting Activities ;

b) Practicing for, taking part in or training in any speed contest or racing, any professional competitions

or sports or any sports in which You would earn or could earn or receive remuneration, sponsorships,

donations or any form of financial rewards ;

c) Racing, other than on foot but this does not include ultra-marathons, biathlons or triathlons ;

d) Off-piste skiing, ski-jumping, ski-bob racing, skiing off-trail, free-style skiing, and use of bob sleighs ;

e) Mountaineering or Trekking ;

f) Scuba diving unless the Insured Person holds a PADI certification (or similar recognized qualification)

or when diving with a qualified instructor. In these situations, the maximum depth that this Policy

covers is specified under his/her PADI certification (or similar qualification) but no deeper than thirty

(30) metres and the Insured Person must not be diving alone ;

g) Private hunting trips ;

h) Winter sports : snowboarding, snow tubing, snow rafting, snow mobiling, glacier walking with a

qualified guide ;

i) Biking sports : mountain biking, quad biking, expedition bicycle or motor touring, motor biking ;

j) 4-wheel driving adventures.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

28. For Domestic Journey : Sickness, illness, diseases or any bacterial infection other than bacterial infection

that is the direct result of accidental cut or wound.

Part 4.1 Sanctions Exclusion Applicable to this Policy

This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations

prohibit us from providing insurance, including, but not limited to, the payment of claims. All other terms

and conditions of the policy remain unchanged.

Chubb Insurance Malaysia Berhad is a subsidiary/branch of a US company and Chubb Limited, a NYSE listed

company. Consequently, Chubb Insurance Malaysia Berhad is subject to certain US laws and regulations in

addition to EU, UN and Malaysia sanctions restrictions which may prohibit it from providing cover or paying

claims to certain individuals or entities or insuring certain types of activities related to certain countries such

as Cuba.

Part 5 – Special Conditions

Section 1 – Conditions Applicable To Annual Policy Only

1. Cancellation By Us

a) We may cancel this Policy at any time by giving fourteen (14) days’ notice in writing delivered to the

Policyholder or mailed to the Policyholder’s last address as shown in Our records stating when thereafter such

cancellation shall be effective.

b) We may cancel the Insured Person’s Coverage under this Policy at any time by giving fourteen (14) days’

notice in writing delivered to the Policyholder who has purchased the Coverage or mailed to the Policyholder’s

last address as shown in Our records, provided no claim has arisen during the current Period of Insurance. In

the event of such cancellation, We will return the pro-rata portion of any premium paid.

There will be no refund if a claim has been made during the Period of Insurance.

Such cancellation shall be without prejudice to any event giving rise to a claim under this Policy prior to the

cancellation date. In the event of any such claim, We shall be entitled to recover all premiums refunded and

set-off such amounts from any claim payable by Us.

2. Cancellation By the Policyholder

a) The Policyholder may cancel this Policy at any time by giving fourteen (14) days’ notice in writing delivered

to Us. In the event of such cancellation, and provided no claim has arisen during the current Period of

Insurance, We will provide a refund to the Policyholder who has purchased the Coverage, computed in

accordance with the applicable percentage indicated below.

Policy Period in Force (up to)

Refund of Annual Premium

2 Months (Minimum)

60%

3 Months

50%

4 Months

40%

5 Months

30%

6 Months

25%

Period exceeding 6 Months

No refund

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

3. Addition Of Insured Person

No person shall be covered by this Policy unless such person is specifically named as an Insured Person and

evidenced by a written endorsement to this Policy. Additional premium will be charged for each additional

Insured Person included under this Policy after the commencement of the Period of Insurance or at the time

of renewal of this Policy.

4. Renewal

Subject to the terms and conditions of this Policy, the Coverage under the Policy may be renewed by payment

of premium in advance or in accordance to the Payment Before Cover Warranty as applicable at our premium

rate in force at the time of renewal. To avoid doubt, the Coverage(s) for the Spouse and/or Child(ren) shall

terminate and cease to be renewable upon non-fulfilment of the eligibility requirements stated in Part 2

above.

5. Age Limit Eligibility

Further to the eligibility requirements stated in Part 2 above, for Annual Policy, the age eligibility for the

Insured Person to qualify for cover is between age eighteen (18) years old and seventy (70) years old at the

time the Insured Person applies for this insurance, with policy renewal up to the age of eighty (80) years old

for the Insured Person and/or the Spouse only. To avoid doubt, the Coverage(s) for the Spouse and/or

Child(ren) shall terminate and cease to be renewable upon non-fulfilment of the eligibility requirements

stated in Part 2 above.

Section 2 – Extension and Expansion of Coverage

Subject to Our prior written approval, the Insured Person may at any time, during the Period of Insurance and

prior to commencement of any Journey, obtain an expansion of the geographical coverage from “Zone 1” to

“Zone 2” or “Zone 3”, or from “Zone 2” to “Zone 3”, by notifying Us of the desired change and paying the

appropriate additional premium.

If, whilst the Insured Person is on a Journey and due to unforeseen circumstances require an extension of the

Period of Insurance, We may at Our discretion, either approve or reject the Insured Person’s request. Any

such approval must be in writing. If We approve and agree to extend the Period of Insurance, Our approval

shall be subjected to an additional premium and the Insured Person’s confirmation that there is no known

claim/event which may give rise to a potential claim under this Policy prior to the said request. We will also

not be liable for any claim arising from, or in connection with any loss/event that had occurred prior to the

extension of Period of Insurance.

If We approve, an endorsement noting the change in Period of Insurance and/or geographical coverage shall

be issued to the Insured Person.

Section 3 – Conditions Applicable To Single Policy Only

a) We may cancel the Coverage under this Policy at any time by giving the Policyholder fourteen (14) days’

notice in writing delivered to him/her or mailed to the his/her last address as shown in Our records, if the

Insured Person has breached any laws or the terms and conditions of this Policy. In the event of such

cancellation, We will provide refund of premium without interest, and provided no claim has arisen during

the Period of Insurance.

b) The Policyholder may cancel the Coverage under this Policy at any time by giving written notice to Us. In

the event of such cancellation, We will provide refund of premium without interest to the Policyholder who

has purchased the Coverage, provided the Period of Insurance stated on the Certificate of Insurance has not

commenced and no claim has arisen.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Part 6 – General Conditions

1. Payment Before Cover Warranty

It is hereby agreed and declared that the total premium due must be paid and actually received in full by Us

(or the intermediary through whom the Coverage was effected) on or before the commencement date of the

Coverage under the Policy, renewal certificate, Certificate of Insurance, or endorsement.

In the event that the total premium due is not paid and actually received in full by Us (or the intermediary

through whom the Coverage was effected) on or before the commencement date referred to above, then the

Coverage, renewal certificate, Certificate of Insurance and endorsement shall not attach and no benefits

whatsoever shall be payable by Us. Any payment received thereafter shall be of no effect whatsoever as cover

never attached on the Policy, renewal certificate, Certificate of Insurance or endorsement.

2. Entire Contract, Changes

This Policy, the Certificate of Insurance, the Benefit Schedule, and any amendments or endorsements shall

constitute the entire contract of insurance. No change to the terms and conditions of this Policy shall be valid

unless approved in writing by Our authorized representative and such approval shall be endorsed hereon or

attached hereto. No broker or agent has the authority to amend or to waive any of the terms and conditions of

this Policy.

3. Conditions Precedent To Liability

The due observance and fulfilment of the terms, provisions and conditions of this Policy by the Insured

Person and in so far as they relate to anything to be done or complied with by te Insured Person shall be

conditions precedent to Our liability to make any payment under this Policy.

4. Legal Action

No action shall be brought to recover on the Coverage under this Policy prior to the expiration of sixty (60)

days after written proof of claim has been filed in accordance with the provisions of this Policy.

5. Misrepresentation

If the proposal or declaration (whether verbal or written) by the Insured Person is found to be deliberately or

recklessly untrue in any respect or if any material fact affecting the risk has been deliberately or recklessly

incorrectly stated or omitted, or if this insurance, or any renewal thereof shall have been obtained through any

deliberate or reckless misstatement, misrepresentation or suppression, or if any claim made shall be

fraudulent or exaggerated, or if any false declaration or statement shall be made in support of such claim, then

in any of these cases, the Coverages under this Policy, or any affected Certificate of Insurance, shall be void.

6. Your Duty To Us

You must take reasonable care:

a) not to make a misrepresentation to Us when answering any questions We may ask;

b) when renewing this Policy or any Coverage, not to make a misrepresentation to Us in answering any

questions, or confirming or amending any matter previously disclosed to Us in relation to this Policy or

such coverage; and

c) to disclose to Us any matter, other than what We have asked in (a) and (b) above, that You know to be

relevant to Our decision on whether to accept the risk or not and the rates and terms to be applied.

Breach of Your duty as stated above may result in Us avoiding the Policy or affected Certificate of

Insurance and refusing all claims, or the terms of the Policy or affected Certificate of Insurance being

varied, and/or the amount to be paid on a claim being proportionately reduced, depending on the type of

misrepresentation or non-disclosure and the effect of the said misrepresentation or non-disclosure.

You also have a duty to tell Us immediately if at any time after your Coverage has been entered into, varied or

renewed with Us, any of the information You give on Your proposal form or enrolment form is inaccurate or

has changed.

Breach of such duties as stated above may result in Us voiding Your Coverage under the Policy and refusing all

claims, or the amount to be paid on a claim being proportionately reduced, depending on the type of

misrepresentation or non-disclosure and the effect of the said misrepresentation or non-disclosure, in

accordance with Schedule 9 of the Financial Services Act 2013.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

7. Claims Procedure

On the happening of any occurrence likely to give rise to a claim under this Policy, the Claimant must give Us

written notice as soon as possible and, in any event, within thirty (30) days after the date of occurrence to Our

Claims Department, Wisma Chubb, 38 Jalan Sultan Ismail, 50250 Kuala Lumpur.

If the Claimant wishes to make a claim, the Claimant must:

a) complete a claim form (claim forms are available from Us);

b) attach to the claim form:

i) original receipts for any expenses that are being claimed;

ii) any reports that have been obtained from the police, a carrier or other authorities about an Accident,

loss or damage; and

iii) any other documentary evidence required by Us under the Coverage.

c) provide Us with the completed claim form and accompanying documents within thirty (30) days of the loss

taking place which gives rise to a claim; and

d) give Us at the Claimant’s expense all medical and other certificates/ reports/ documents and evidence

required by Us that is reasonably required to assess the claim.

We may have the Insured Person medically examined at Our expense when and as often as We may

reasonably require after a claim has been made. We may also arrange an autopsy if We reasonably require one

and it is not forbidden by law.

8. Payment Of Benefits

Payment of any benefit under this Policy is subject to the Definitions, exclusions, and all other terms and

conditions pertinent to the benefits.

Benefits payable under this Policy shall be paid to the Policyholder who has purchased the Coverage. Benefits

payable under this Policy in respect of any claims by or on behalf of any Spouse and/or Child(ren) insured

hereunder shall be paid to the Policyholder who had purchased the Coverage, provided that such Policyholder

had insurable interest on the life of the Spouse and/or the Child(ren).

Any benefits payable under this Policy in the event of the Insured Person’s Death shall be paid to the Insured

Person’s nominee or to the person We are required to pay under the law, if there is no such nominee.

9. Interpretation

This Policy, including the application, Certificate of Insurance, endorsement, and amendments, if any shall be

read together as one contract and any word or expression to which a specific meaning has been attached shall,

unless the context otherwise requires, bear that specific meaning wherever it may appear.

In the event of any inconsistencies between the Bahasa Malaysia version and the English version of this

Policy, the English version shall prevail.

10. Termination For Non-Payment Of Premium

This Policy or any Certificate of Insurance shall be deemed to have been void from date of issue if the

premium is not paid.

11. Our Right After A Claim

We shall be allowed to conduct in the Insured Person’s name and on the Insured Person’s behalf the defense

or settlement of any legal action and take proceedings at Our own benefit but in the Insured Person’s name to

recover compensation from any third party in respect of anything covered by the Coverage under this Policy.

12. Multiple Policies

The Insured Person can only be covered under one leisure travel insurance policy underwritten by Us for the

same Journey. Any additional leisure travel insurance policies underwritten by Us that is/are taken up by the

Insured Person will be void.

13. Compliance With Policy Provisions

Failure to comply with any of the provisions contained in this Policy shall invalidate all claims hereunder.

14. Contribution

In the event the Insured Person becomes entitled to a refund of or reimbursement of all or part of such

expenses from any other source, or if there is in place any other insurance against the events covered under

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

this Policy, We will only be liable for the excess of the amount recoverable from such other source or

insurance.

15. Jurisdiction

All disputes relating to the Coverage under this Policy must be submitted to the exclusive jurisdiction of the

courts in Malaysia.

16. Notice Of Trust Or Assignment And Third Party Rights

We shall not be bound or be affected by any notice of any trust, charge, lien, assignment or other dealing with

or in relation to this Policy.

A person who is not a party to this Policy contract shall have no right to enforce any of its terms.

17. Governing Law

This Policy shall be governed by and interpreted in accordance with Malaysian law.

18. Interest

No amounts payable by Us under this Policy shall carry interest unless provided by law.

19. Currency And Exchange Rate

Premiums and Benefits payable under this Policy shall be in Malaysian Ringgit. In the event reimbursement

of any Benefits under this Policy are based on bills in a currency other than Malaysia Ringgit, We shall pay the

reimbursement in Malaysia Ringgit based on the quoted exchange rate (open market rate if a free market,

official rate if not a free market) at the date the charges are incurred.

20. Clerical Error

A clerical error by Us shall not invalidate insurance otherwise validly in force, nor continue insurance

otherwise not validly in force.

Part 7 – Benefits

We will only pay for one (1) Benefit under the respective Sections below:

a) For Overseas Journey:

i) Section 11 (a) Cancellation Expenses or 11 (b) Postponement Expenses ;

ii) Section 14 or 18 or 27B;

iii) Sections 19 or 20 or 21 or 22 or 23.

b) For Domestic Journey:

i) Section 11 or Section 12;

ii) Sections 14 or Section 18 or Section 27B.

Core Benefits

Section 1 – Accidental Death and Permanent Disablement

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You sustain

Bodily Injury which results in Death or Permanent Disablement within one

hundred and eighty (180) days from the date of the Accident.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Additional

Conditions

The occurrence of Death or any specific Permanent Disablement for which is

payable under this Section shall at once terminate all insurance under the Policy, but

such termination shall be without prejudice to any other claim originating from the

Accident causing such Death or Permanent Disablement.

No payment will be made under any circumstances for more than one of the items

stated in the Table of Benefits above. Where You suffer more than one type of

Permanent Disablement in the same Accident, Our liability under this Section shall

be limited to one payment for the type of Permanent Disablement which, of all the

Permanent Disablement actually suffered, attracts the largest percentage stated in

the Table of Benefits below.

What We Will Pay

We will pay to Your nominee or to the person We are required to pay to under the

law if there is no such nominee, the compensation according to the scale stated in

the Table of Benefits below and up to a maximum relevant Benefit amount specified

in the Benefit Schedule, subject to the terms and conditions of this Policy.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is directly

or indirectly, caused by, a consequence of, arises in connection with or contributed

to by Sickness.

Table of Benefits

Loss Event

Compensation payable % of maximum

sum insured specified in the Benefit

Schedule

Accidental Death

100%

Permanent Total Disablement

100%

Loss of Speech and Loss of Hearing in both ears

100%

Loss of Sight in both eyes

100%

Loss of Limbs to at least two Limbs

100%

Loss of Limb to one Limb

50%

Total and irrecoverable loss of lens of at least one eye,

which is beyond remedy by surgical or other treatment

50%

Loss of Speech

50%

Total and Permanent Loss of Hearing in

both Ears

one Ear

50%

15%

Section 2 – Child Education Fund (applicable to Overseas Return Journey only)

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You sustain Bodily

Injury which results in Death for which a benefit is payable under Section 1 –

Personal Accident, and You have Child(ren) enrolled as a full-time student in a

recognized learning institution.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

What We Will Pay

We will pay up to the relevant Benefit amount specified in the Benefit Schedule for

each surviving Child up to a maximum of four (4) Children subject to the terms and

conditions of this Policy.

What Is Not

Covered

Please refer to Part 4 – General Exclusions.

Section 3 – Medical Expenses

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey:

a) For Overseas Journey : You incur Medical Expenses Overseas as a direct

result of Bodily Injury or Sickness or Dental Expenses as a direct result of

Accidental Injury.

b) For Domestic Journey : You incur Medical Expenses as a direct result of

Bodily Injury or Dental Expenses as a direct result of Accidental Injury.

Additional

Conditions

For the avoidance of doubt, in the event You become entitled to a refund of or

reimbursement of all or part of such expenses from any other source, or if there is

in place any other insurance against the events covered under this Section, We will

only be liable for the excess of the amount recoverable from such other source or

insurance.

a) For Overseas Journey : We have the option of returning You to Malaysia, if the

cost of the Overseas Medical Expenses, Dental Expenses and/or additional

expenses that may be covered under other Benefits in this Policy are likely to

exceed the cost of returning You to Malaysia, subject always to medical advice

provided by Chubb Assistance. If We return You to Malaysia, any claim for

continuation of treatment in Malaysia shall be subject to the terms and the

maximum relevant Benefit amount specified under Section 4 – Follow-up

Medical Expenses in Malaysia. We also have the option of evacuating You to the

nearest Hospital in another country if the necessary treatment and/or facility is

not available in the immediate vicinity.

b) For Domestic Journey : You should seek necessary medical treatment at any

registered clinic or Hospital within twenty-four (24) hours of the Accident

causing the Bodily Injury.

If You are above the age of seventy (70) years old, at the time of the Bodily Injury

or Sickness, the maximum amount of the relevant Benefit payable under this

Section shall be the respective amount specified in the Benefit Schedule for Your

and/or Your Spouse’s age category.

Additional

Definitions

Home Country means any country of which You are a citizen or a permanent

resident and excludes Malaysia.

What We Will Pay

a) For Medical Expenses, only the medical, hospital, surgical treatment

necessarily incurred as a direct result of Bodily Injury or Sickness (for Overseas

Journey), or Bodily Injury (for Domestic Journey) contracted by You during the

Period of Insurance. The treatment must be given by a Physician.

b) For Dental Expenses, only the emergency dental treatment as a direct result of

Bodily Injury to sound natural teeth occurring during the Period of Insurance.

The treatment must be given by a Dentist. This is applicable only when You are

Overseas.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is directly

or indirectly, caused by, a consequence of, arises in connection with or contributed

to by any of the following:

1. Any expenses incurred for prostheses, contact lenses, spectacles, hearing aids,

dentures or medical equipment.

2. Any expenses relating to any treatment not prescribed by a Physician or Dentist

(as the case may be).

3. Any expenses incurred in relation to traditional treatment or treatment by a

Traditional Physician.

For Overseas Journey:

i) Any expenses relating to any treatment for Bodily Injury or Sickness where such

treatment was sought and/or received more than sixty (60) days from the time

the Bodily Injury or Sickness was first sustained.

ii) Surgery or medical treatment which in the opinion of the Physician or Dentist

(as the case may be) treating You can be reasonably delayed until Your return to

Malaysia.

iii) Any further expenses incurred by You if We wish to return You to Malaysia but

You refuse (where in the opinion of the treating Physician or Dentist (as the case

may be) and Chubb Assistance You are fit to travel).

iv) Any treatment obtained in Your Home Country, unless specifically provided for

under this Policy.

v) Any Bodily Injury or Sickness that occurred before the commencement of Your

Journey.

For Domestic Journey:

i) Any expenses relating to any treatment for Bodily Injury where such treatment

was sought and/or received after twenty-four (24) hours from the Bodily Injury

was first sustained.

ii) Surgery or medical treatment which in the opinion of the Physician or Dentist

(as the case may be) treating You can be reasonably delayed until Your return to

Your Home.

iii) Any further expenses incurred by You if We wish to return You to Your Home

but You refuse (where in the opinion of the treating Physician or Dentist (as the

case may be) and Chubb Assistance that You are fit to travel).

iv) Any treatment obtained in Your Home, unless specifically provided for under

this Policy.

v) Any Bodily Injury that occurred before the commencement of Your Journey.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 4 – Follow-up Medical Expenses in Malaysia

(applicable to Overseas Return Journey only)

What Is Covered

If, during the Period of Insurance, whilst You are on an Overseas Return Journey,

You sustain Bodily Injury or Sickness:

a) which has resulted in a valid claim for Medical Expenses or Dental Expenses

under Section 3, and necessarily incur Medical Expenses or Dental Expenses

prescribed by a Physician in Malaysia within thirty (30) days after the end of

the Return Journey as a direct result of such Bodily Injury or Sickness;

b) that You did not seek medical treatment for whilst Overseas, but which You

necessarily incur Medical Expenses or Dental Expenses prescribed by a

Physician in Malaysia within thirty (30) days after the end of the Return

Journey as a direct result of such Bodily Injury or Sickness, and further

provided that You had first sought medical treatment by a Physician in

Malaysia as a direct result of such Bodily Injury or Sickness within twenty-four

(24) hours after the end of the Overseas Return Journey; and an excess of

RM50.00 will be deducted for each and every medical bill, receipt and invoice.

Additional

Conditions

For the avoidance of doubt, in the event You become entitled to a refund of or

reimbursement of all or part of such expenses from any other source, or if there is

in place any other insurance against the events covered under this Section, We will

only be liable for the excess of the amount recoverable from such other source or

insurance.

If You and/or Your Spouse are above the age of seventy (70) years at the time of

Bodily Injury or Sickness, the maximum amount of the relevant Benefit payable

under this Section shall be the respective amount specified in the Benefit Schedule.

What We Will Pay

We will reimburse You in respect of such expenses up to a maximum of the

relevant Benefit amount specified in the Benefit Schedule subject to the terms and

conditions of this Policy.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is

directly or indirectly, caused by, a consequence of, arises in connection with or

contributed to by any of the following:

1. Any expenses relating to any treatment for Bodily Injury or Sickness where

such treatment was sought and/or received more than thirty (30) days from the

time You returned to Malaysia.

2. Any expenses incurred for prostheses, contact lenses, spectacles, hearing aids,

dentures or medical equipment.

3. Any expenses relating to any treatment not prescribed by a Physician.

4. Any expenses incurred in relation to traditional treatment or treatment by a

Traditional Physician.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 5 – Alternative Treatment (applicable to Overseas Return Journey only)

What Is Covered

If, during the Period of Insurance, whilst You are on an Overseas Return Journey,

You have sought treatment from a Traditional Physician as a direct result of Bodily

Injury or Sickness, You may continue to seek treatment from a Traditional

Physician in Malaysia within thirty (30) days from the date of Your return to

Malaysia for the same Bodily Injury or Sickness.

Additional

Conditions

For the avoidance of doubt, in the event You become entitled to a refund of or

reimbursement of all or part of such expenses from any other source, or if there is

in place any other insurance against the events covered under this Section, We will

only be liable for the excess of the amount recoverable from such other source or

insurance.

What We Will Pay

We will reimburse You in respect of the Alternative Treatment You incur for such

treatment from a Traditional Physician up to a maximum of the relevant Benefit

amount specified in the Benefit Schedule subject to the terms and conditions of this

Policy.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is

directly or indirectly, caused by, a consequence of, arises in connection with or

contributed to by:

1. Any treatment for Bodily Injury or Sickness where such treatment was sought

and/or received more than sixty (60) days from the time the Bodily Injury or

Sickness was first sustained.

Section 6 – Daily Hospital Income

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You sustain:

a) For Overseas Journey:

Bodily Injury or Sickness and are confined in a Hospital Overseas as a direct

result of Bodily Injury or Sickness.

b) For Domestic Journey:

Bodily Injury and are confined in a Hospital at the Destination within Malaysia

as a direct result of Bodily Injury.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Additional

Conditions

i) Confinement must occur within thirty (30) days of the Accident causing the

relevant Bodily Injury or Sickness (for Overseas Journey) or Bodily Injury only

(for Domestic Journey) first being sustained; and

ii) Confinement must be considered medically necessary by a Physician in his

professional capacity.

a) For Overseas Journey: If You and/or Your Spouse are above the age of sixty-

five (65) years old, but under the age of eighty (80) years old at the time of

commencement of such Confinement, the daily Benefit amount payable shall be

limited to RM100 for each complete day of Confinement up to a maximum

number of days specified in the Benefit Schedule.

b) For Domestic Journey: If You and/or Your Spouse are above the age of sixty-

five (65) years old, but under the age of eighty (80) years old at the time of

commencement of such Confinement, the daily Benefit amount payable shall be

limited to RM50 for each complete day of Confinement up to a maximum

number of days specified in the Benefit Schedule.

What We Will Pay

The daily Benefit amount shall be paid for each complete day (24 hours) of

Confinement from the first (1st) day of Confinement and up to the maximum of the

relevant Benefit amount specified in the Benefit Schedule.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is

directly or indirectly, caused by, a consequence of, arises in connection with or

contributed to by any of the following:

1. For Overseas Journey:

a) Any Confinement in Malaysia.

b) Any Confinement for any surgery or medical treatment, which in the

opinion of a Physician, could reasonably have been delayed until Your

return to Malaysia.

c) No Benefit will be payable if such Confinement is not covered under

Section 3 – Medical Expenses.

2. For Domestic Journey:

No Benefit will be payable if such Confinement is not covered under Section 3 –

Medical Expenses.

Section 7 – Compassionate Visit

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You sustain:

a) For Overseas Journey:

i) Bodily Injury or Sickness which results in Death and no adult is with You;

ii) Serious Bodily Injury or Serious Sickness and it is judged by the treating

the Physician that it is not medically appropriate to move You to another

location or to return You to Malaysia for medical treatment and no adult is

with You.

b) For Domestic Journey:

i) Bodily Injury which results in Death for which a Benefit is payable under

Section 1 – Personal Accident and no adult is with You.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Additional

Conditions

iii) You can only claim under either (i) due to Death or (ii) due to Serious Bodily Injury

or Serious Sickness, for any one (1) event, subject to the maximum relevant Benefit

amount specified in the Benefit Schedule.

What We Will Pay

We will indemnify:

i) for Bodily Injury or Sickness which results in Death : the travel expenses

(economy return travel ticket) and ordinary room accommodation expenses in

any reasonable hotel outside Malaysia (or within Malaysia for Domestic

Journey), necessarily incurred for one (1) Family Member, Travel Companion,

relative or friend to assist in the final arrangement of Your Death, up to the

maximum relevant Benefit amount specified in the Benefit Schedule, subject to

the terms and conditions of this Policy.

ii) for Serious Bodily Injury or Serious Sickness : the travel expenses (economy

return travel ticket) and ordinary room accommodation expenses in any

reasonable hotel outside Malaysia necessarily incurred for one (1) Family

Member, Travel Companion, relative or friend to travel and remain with You

and take care of You until You are discharged from the Confinement, up to the

maximum relevant Benefit amount specified in the Benefit Schedule, subject to

the terms and conditions of this Policy.

What Is Not

Covered

This Benefit does not cover any other incidental expenses and/or charges that are

incurred by Your Family Member, relative or friend, such as but not limited to cost

of other transport, upgrades, drinks, meals and optional/additional room services.

Section 8 – Child Guard

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You sustain:

Bodily Injury or Sickness and are Confined in a Hospital as a direct result of Bodily

Injury or Sickness and there is no other adult to accompany Your Child(ren) who are

insured under this Policy on their journey home (for Overseas Journey).

(For Domestic Journey, it is applicable to Bodily Injury only).

What We Will Pay

We will indemnify:

The travel expenses (economy return travel ticket) and ordinary room

accommodation expenses in any reasonable hotel outside Malaysia (or within

Malaysia for Domestic Journey) necessarily incurred for one (1) Family Member,

relative or friend to travel to and accompany Your Child(ren) back to Malaysia, up to

the maximum relevant Benefit amount specified in the Benefit Schedule, subject to

the terms and conditions of this Policy.

What Is Not

Covered

This Benefit does not cover any other incidental expenses and/or charges that are

incurred by Your Family Member, relative or friend, such as but not limited to cost

of other transport, upgrades, drinks, meals and optional/additional room services.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 9 – Emergency Medical Evacuation & Repatriation

What Is Covered

If, during the Period of Insurance and whilst You are on a Journey,

suffer from a Critical Medical Condition (as defined below) and in the opinion of

Chubb Assistance, or an authorized representative of Chubb Assistance, it is judged

medically appropriate to move You to another location for medical treatment, or to

return You to Malaysia (or to Your Home for Domestic Journey), Chubb Assistance

or its authorized representative, shall arrange for the evacuation utilizing the means

best suited to do so based on the medical severity of Your condition.

Additional

Conditions

a) Chubb Assistance must be promptly informed of any potential claims for

Medical Evacuation Expenses.

b) You shall not attempt to provide solutions to problems encountered without

involving Chubb Assistance. Such action shall prejudice all claims for Medical

Evacuation Expenses.

c) Repatriation will be organized by Chubb Assistance by the most appropriate

method as determined by Chubb Assistance in its absolute discretion including,

if necessary, the use of air services.

d) In the event that Chubb Assistance services are provided under this Policy to any

person not insured under this Policy or situations not covered by this Policy at

Your request, You hereby agree to pay Chubb Assistance directly for all costs

incurred for the said services.

e) In the event that Chubb Assistance services are provided, We will have the right

to recover from You the value of the refund relating to any air tickets or other

tickets originally purchased for the Journey to the Hospital where appropriate

medical care and facilities are available. You shall assist Us in recovering any

refunds from the carriers concerned. The proceeds of such refund shall belong to

Us.

f) You hereby agree to pay Chubb Assistance directly for any Medical Evacuation

Expenses incurred by You that is in excess of the relevant Benefit specified in the

Benefit Schedule.

g) You must comply in full with the decisions made by Chubb Assistance, and You

hereby agree to fully indemnify Us in the event We are held liable to pay Chubb

Assistance for any of the services mentioned under clause (d) and or above

and/or (f) and/or any other services not covered under this Policy.

Additional

Definitions

Critical Medical Condition means a medical condition suffered by You as a result of

Bodily Injury or Sickness, which is determined to be life threatening by a Physician

designated by Chubb Assistance at the Physician’s absolute discretion.

Medical Evacuation Expenses means all expenses incurred in repatriating You who

are suffering from a Critical Medical Condition to the nearest Hospital where

appropriate medical care and facilities are available or to Your Home, including

necessary expenses incurred for qualified medical staff to accompany You (as

deemed necessary by Chubb Assistance in its absolute discretion), provided that

such repatriation is :

i) certified by a Physician to be medically necessary, and

ii) organized by Chubb Assistance.

Covered Expenses means expenses for services provided and/or arranged by Chubb

Assistance for the transportation, medical services and medical supplies necessarily

incurred as a result of Your Emergency Medical Evacuation as described herein.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

What We Will Pay

We shall pay directly to Chubb Assistance the Covered Expenses for such

evacuation, up to the relevant Benefit amount specified in the Benefit Schedule and

according to the type of plan stated in Your Certificate of Insurance, subject to

the terms and conditions of this Policy.

If due to reasons beyond Your control, You are unable to notify Chubb Assistance,

and nevertheless make arrangements for Your own evacuation, We shall, if satisfied

that the arrangements were medically appropriate in view of Your Critical Medical

Condition (as defined in this Section) at that time, indemnify You in respect of the

expenses incurred, up to an amount which would have been payable to Chubb

Assistance for services provided under the same circumstances, subject to the terms

and conditions of this Policy and in any event not exceeding the relevant Benefit

amount specified in the Benefit Schedule.

The means of evacuation arranged by Chubb Assistance, or its authorized

representative, may include air ambulance, surface ambulance, regular

transportation, railroad or any other appropriate means. All decisions as to the

means of transportation and the final destination will be made by Chubb Assistance,

or its authorized representative, and will be based solely upon medical necessity.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will not

in any event be liable in respect of any claim under this Section, which is directly or

indirectly, caused by, a consequence of, arises in connection with or contributed to

by:

1. Any expenses incurred for services provided by another party for which You are

not liable to pay, or any expenses already included in the cost of a scheduled trip

or the Journey.

2. Any expenses for a service not approved and arranged by Chubb Assistance or its

authorised representative, except as mentioned in paragraph 2 of the clause

above.

3. Any treatment performed or ordered by a person who is not a Physician.

4. Any expenses incurred if You are not suffering from a Critical Medical Condition

(as defined in this Section) or if the treatment that can be reasonably delayed

until You return to Your Home (as may be relevant).

Additional Exclusions for Domestic Journey:

i) Any expenses which are recoverable from any other insurance coverage that You

are entitled to.

ii) Any such expenses that are incurred after thirty (30) days from the time of

Accident. This exclusion does not apply when the first expense was incurred in

the first thirty (30) days from the date of Bodily Injury.

Any expenses where there is no valid claim under Section 3 – Medical Expenses.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 10 – Repatriation Of Mortal Remains

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You suffer from a

Critical Medical Condition (as defined in Section 9 above), and die as a result of

such Critical Medical Condition, Chubb Assistance, or its authorised representative

shall make the necessary arrangements for the return of Your mortal remains to

Malaysia (or Your Home for Domestic Journey).

Additional

Definitions

Covered Expenses means expenses for services provided and/or arranged by Chubb

Assistance for the transportation, medical services and medical supplies necessarily

incurred as a result of the repatriation of Your mortal remains.

What We Will Pay

We shall pay directly to Chubb Assistance the Covered Expenses for such

repatriation, up to the relevant Benefit amount specified in the Benefit Schedule,

subject to the terms and conditions of this Policy.

We shall also reimburse to Your estate the expenses actually incurred for services

and supplies by a mortician or undertaker, including but not limited to the cost of a

casket, and the embalming and cremation if so elected. All payments made by Us

shall not exceed the maximum relevant Benefit amount specified in the Benefit

Schedule, subject to the terms and conditions of this Policy.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will not

in any event be liable in respect of any claim under this Section, which is directly or

indirectly, caused by, a consequence of, arises in connection with or contributed to

by:

1. Any expenses incurred for services provided by another party for which You are

not liable to pay, or any expenses already included in the cost of a scheduled trip

or the Journey.

2. Any expenses incurred for the transportation of Your, Your Spouse and/or Your

Child(ren)’s remains not approved and arranged by Chubb Assistance or its

authorised representative.

3. Any expenses related to religious ceremonies or rites and burial plots.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 11 – Travel Cancellation

What Is Covered

If, You are forced to cancel or postpone Your Overseas Journey as the direct and

necessary result of any of the following Specified Causes occurring within sixty (60)

days for event (b), within thirty (30) days for events (c) and (d) and within fourteen

(14) days for events (e) to (h) before the Scheduled Departure Date, and must be

accompanied with travel advice, requisite proof or report from relevant authority(s).

This coverage is effective only if this Policy is purchased before You become aware of

any circumstances which could lead to the disruption of Your Journey.

Specified Causes :

a) Your Death;

b) You sustaining Bodily Injury or becoming ill (applicable to Overseas Journey

only), which in the opinion of a Physician causes You to be unfit to travel on a

Scheduled Departure Date;

c) The death of Your Family Member or Travel Companion before the Scheduled

Departure Date;

d) Bodily Injury or illness (applicable to Overseas Journey only) of Your Family

Member or Travel Companion necessitating him/her to be Confined to a

Hospital;

e) You or Your Travel Companion are or required to be in compulsory quarantine,

or jury service, or are subpoenaed or hijacked;

f) Cancellation of Scheduled Common Carrier services consequent upon Strike,

Riot or Civil Commotion which is beyond Your control at the planned

Destination;

g) Your residence in Malaysia becoming uninhabitable following fire, storm or

flood occurring such that Your presence is required on the premises on the

Scheduled Departure Date;

h) due to Natural Disasters at the Destination country which prevent You from

commencing the Journey.

For Domestic Journey, if You are forced to cancel Your Journey as a direct and

necessary result of any of the above Specified Causes, the event must occur within

seven (7) days before the Schedule Departure Date.

Additional

Definitions

a) Cancellation Expenses mean loss of deposits, or charges for advance payments for

travel or accommodation or other charges which have not been or will not be used,

but which become forfeited or payable under contract.

b) Postponement Expenses mean the resulting administrative charges incurred to

postpone Your Journey:

i) which full payment was made by You;

ii) for which You are legally liable for; and

iii) which are not recoverable from any other source.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

What We Will Pay

We will reimburse You in respect of Cancellation Expenses or Postponement

Expenses up to the relevant Benefit amount as specified in the Benefit Schedule and

according to the type of plan stated in Your Certificate of Insurance, subject to the

terms and conditions of this Policy.

You can only claim either Cancellation Expenses or Postponement Expenses, for any

one event.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will not

in any event be liable in respect of any claim under this Section, which is directly or

indirectly, caused by, a consequence of, arises in connection with or contributed to

by:

1. Changes in plans by You or a Family Member or Travel Companion for any

reason;

2. Financial circumstances of Yours or a Family Member or Travel Companion;

3. Any business, financial or contractual obligations of Yours or a Family Member

or Travel Companion;

4. Financial Default by the person, agency, airline or tour operator with whom You

made Your travel arrangements;

5. Any loss that is covered by any other existing insurance scheme, government

programme or which will be paid or refunded by a hotel, carrier or travel agent

or any other provider of travel and/or accommodation;

6. Any government regulation, act or prohibition;

7. Carrier caused cancellation unless they are the result of matters stated under

Specified Cause (f) above;

8. Travel arrangements cancelled by an airline, cruise line or tour operator unless

the cancellation is the result of matters stated under Specified Cause (f) above.

9. An event or circumstance which occurs prior to the date of issue of the

Certificate of Insurance or date of purchasing or making arrangements for the

Journey.

10. Delay or amendment of the booked itinerary, or failure in provision of any part

of the booked Journey (including error, omission or default) by the provider of

any service forming part of the booked Journey as well as of the agent or tour

operator through whom the Journey was booked.

11. You on whom the Journey is dependent on being involved in any unlawful act or

criminal proceedings, unless Your attendance in court in such criminal

proceedings in a court of law is required under a subpoena.

12. Your failure to notify travel agent/tour operator or provider of transport or

accommodation immediately upon finding it necessary to cancel the travel

arrangements.

13. Any loss or compensation for any air miles, frequent flyer points, or holiday

points You earned or used to pay for the Journey in part or in full.

14. Insolvency of airlines and travel agents.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 12 – Travel Curtailment

What Is Covered

If, You are forced to curtail any part of Your Journey as a direct and necessary result

of any of the following Specified Causes occurring after You have commenced the

Journey.

This coverage is effective only if this Policy is purchased before You become aware of

any circumstances which could lead to the disruption of Your Journey.

Specified Causes :

a) You suffering Serious Bodily Injury or Serious Sickness (applicable to

Overseas Journey only) and upon obtaining medical advice during Your

Journey. A medical certificate must be obtained from the Physician who is

treating You, advising You to return to Malaysia due to the Serious Bodily

Injury or Serious Sickness;

b) Unexpected death, Serious Bodily Injury or Serious Sickness (applicable to

Overseas Journey only) of a Family Member, or Travel Companion;

c) Unexpected death of a Family Member residing in Malaysia;

d) Unexpected Serious Bodily Injury or Serious Sickness (applicable to

Overseas Journey only) of a Family Member in Malaysia which requires

Hospital Confinement for more than five (5) consecutive days;

e) Hijack of the aircraft in which You are on board as a passenger;

f) Natural Disasters which prevent You from continuing Your scheduled

Journey;

g) Your residence in Malaysia becoming uninhabitable following fire, storm, or

flood occurring such that Your presence is required on the premises; or

h) The unexpected outbreak of Strike, Riot, or Civil Commotion occurring

during the scheduled Journey which is beyond Your control at the planned

Destination that will put Your life in danger.

Additional

Definitions

Curtailment or Curtail means cutting short the Journey by early return to Malaysia

after arrival at the booked Destination Overseas as shown on the booking invoice or

ticket.

Curtailment Expenses mean:

i) loss of deposits, advance payments for accommodation or other charges

(excluding cost of the original travel ticket for returning to Malaysia), which

have not been and will not be used but become forfeited or payable under

contract;

ii) any additional administrative expenses incurred where it is possible to amend

the original travel ticket; or

additional travel (limited to economy class fare) expenses if it is possible to amend

the original travel ticket as confirmed by carrier/travel operator and reasonable

accommodation expenses resulting from the reasons mentioned above.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

What We Will Pay

We will reimburse You in respect of Curtailment Expenses incurred up to the

relevant Benefit amount as specified in the Benefit Schedule and according to the

type of plan stated in Your Certificate of Insurance, subject to the terms and

conditions of this Policy.

If the Curtailment Expenses that were claimed relate to travel tickets, the

reimbursement will only be on the unused portion of the travel tickets.

For hijack, proportional return of the irrecoverable prepaid cost shall be calculated

from the date of occurrence to the expiry of the planned Journey or Policy cover,

whichever is earlier.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will not

in any event be liable in respect of any claim under this Section, which is directly or

indirectly, caused by, a consequence of, arises in connection with or contributed to

by:

1. Changes in plans by You or a Family Member or Travel Companion for any

reason;

2. Financial circumstances of Yours or a Family Member or Travel Companion;

3. Any business, financial or contractual obligations of Yours or a Family Member or

Travel Companion;

4. Financial Default by the person, agency, airline or tour operator with whom You

made Your travel arrangements;

5. Any loss that is covered by any other existing insurance scheme, government

programme or which will be paid or refunded by a hotel, carrier or travel agent or

any other provider of travel and/or accommodation;

6. Any government regulation, act or prohibition;

7. An event or circumstance which occurs prior to the date of issue of the Certificate

of Insurance or date of purchasing or making arrangements for the Journey.

8. Delay or amendment of the booked itinerary, or failure in provision of any part of

the booked Journey (including error, omission or default) by the provider of any

service forming part of the booked Journey as well as of the agent or tour

operator through whom the Journey was booked.

9. You on whom the Journey is dependent on being involved in any unlawful act or

criminal proceedings, unless Your attendance in court in such criminal

proceedings in a court of law is required under a subpoena.

10. Your failure to notify travel agent/tour operator or provider of transport or

accommodation immediately upon finding it necessary to cancel the travel

arrangements.

11. Any loss or compensation for any air miles, frequent flyer points, or holiday

points You earned or used to pay for the Journey in part or in full.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 13 – Travel Disruption (applicable to Overseas Return Journey only)

What Is Covered

If during the Period of Insurance, Your Journey is forced to be Disrupted as a direct

and necessary result of any of the following Specified Causes occurring after You

have commenced the Journey.

This Coverage is effective only if this Policy is purchased before You become aware of

any circumstances which could lead to the Disruption of the planned Journey.

Specified Causes :

a) Natural Disasters;

b) Epidemic or pandemic as declared by the World Health Organization (WHO);

c) Strike, Riot or Civil Commotion resulting in cancellation of scheduled Common

Carrier services or in a relevant government warning against non-essential

travel;

d) Major industrial accident;

e) Any event leading to airspace or multiple airport closures.

Additional

Definitions

Disrupted means interruption to the Journey by skipping a part of the planned

Journey Overseas, as shown on the travel itinerary.

Disruption Expenses mean loss of advance payments for accommodation,

Entertainment Tickets or pre-arranged tours at the Overseas Destination, which

have not been and will not be used but become forfeited or payable under contract.

Entertainment Tickets mean tickets granting admission to theme parks, musicals,

plays, theatre or drama performances, concerts and sporting events.

What We Will Pay

We will reimburse You in respect of the Disruption Expenses incurred up to the

relevant Benefit amount as specified in the Benefit Schedule and according to the

plan shown in Your Certificate of Insurance, subject to the terms and conditions of

this Policy.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will not

in any event be liable in respect of any claim under this Section, which is directly or

indirectly, caused by, a consequence of, arises in connection with or contributed to

by:

1. Changes in plans by You or a Family Member or Travel Companion for any

reason;

2. Financial circumstances of Yours or a Family Member or Travel Companion;

3. Any business, financial or contractual obligations of Yours or a Family Member or

Travel Companion;

4. Financial Default by the person, agency, airline or tour operator with whom You

made Your travel arrangements;

5. Any loss that is covered by any other existing insurance scheme, government

programme or which will be paid or refunded by a hotel, carrier or travel agent or

any other provider of travel and/or accommodation;

6. Any government regulation, act or prohibition;

7. An event or circumstance which occurs prior to the date of issue of the Certificate

of Insurance or date of purchasing or making arrangements for the Journey.

8. Delay or amendment of the booked itinerary, or failure in provision of any part of

the booked Journey (including error, omission or default) by the provider of any

service forming part of the booked Journey as well as of the agent or tour

operator through whom the Journey was booked.

9. You on whom the Journey is dependent on being involved in any unlawful act or

criminal proceedings, unless Your attendance in court in such criminal

proceedings in a court of law is required under a subpoena.

10. Your failure to notify travel agent/tour operator or provider of transport or

accommodation immediately upon finding it necessary to cancel the travel

arrangements.

11. Any loss or compensation for any air miles, frequent flyer points, or holiday

points You earned or used to pay for the Journey in part or in full.

Section 14 – Loss or Damage of Personal Property and Baggage

What Is Covered

If during the Period of Insurance whilst You are on a Journey, You sustain loss of or

damage resulting in loss of use of Your Personal Property, Baggage and Money kept

on Yourself due to robbery, burglary, theft or by force, violence or threat of

violence.

Additional

Conditions

a) The loss or damage must be reported to the police or relevant authority having

jurisdiction where the loss or damage occurred within twenty-four (24) hours

from the incident. Any claims for indemnity under this Section must be

accompanied by a copy of a police report or a report issued by the relevant

authority evidencing such a loss or damage.

b) The loss or damage of each article must be accompanied by proof of purchase

such as but not limited to receipts, bank statement or credit card statements. If

no proof of purchase is provided, We may decline the claim or accept it at a

reduced value.

c) For the avoidance of doubt, in the event You become entitled to a refund or

reimbursement of all or part of such expenses from any other source, or if there

is in place any other insurance against the events covered under this Section,

We will only be liable for the excess of the amount recoverable from such other

source or insurance.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Additional

Definitions

Personal Property and Baggage means personal goods belonging to You, which are

taken by You on the Journey or acquired by You and carried on You in person or

hand-carried or checked-in as accompanied baggage with the Common Carrier

during the Journey.

Portable Computer means the complete laptop computers including accessories or

attachments that come as a standard equipment with the laptop. Any handheld

computers, tablets (including but not limited to iPads, Samsung Galaxy tablets) or

similar devices are excluded from this category.

Money means cash, coins, bank notes, postal or money orders or signed travellers’

cheques.

Public Place means any place the public has access to.

Jewellery means objects such as rings, bracelets, brooches, necklaces, bangles,

earrings and lockets/pendants that are worn on the body as decoration, which have

inclusions of precious metals including but not limited to gold and silver with

precious stones or semi-precious stones.

What We Will Pay

a) We will indemnify You in respect of such loss or damage up to the relevant

Benefit amount as specified in the Benefit Schedule and according to the type of

plan stated in Your Certificate of Insurance, subject to the terms and conditions

of this Policy.

b) We will only pay up to maximum of:

i) the Benefit amount specified for any one article or a pair or a set of articles

as specified in the Benefit Schedule and according to the type of plan stated

in Your Certificate of Insurance;

ii) the Benefit amount specified for Portable Computers as specified in the

Benefit Schedule and according to the type of plan stated in Your Certificate

of Insurance (applicable to Overseas Return Journey only).

iii) the Benefit amount specified for Personal Money as specified in the Benefit

Schedule and according to the type of plan stated in Your Certificate of

Insurance (applicable to Overseas Return Journey only).

c) We may make payment subject to due allowance of wear and tear, proof of

purchase and depreciation. Total loss of used payment or repair costs payment

is determined at Our sole discretion.

d) We will only pay for loss of or damage of Your baggage that is checked in and

tagged under Your name by the Common Carrier or service provider. Any claim

that results from You losing Your baggage or it being damaged while being held

by the Common Carrier or service provider should be made to the Common

Carrier or service provider first. Any claim made under this Section must be

accompanied by proof of compensation received from the Common Carrier or

service provider or where such compensation is denied, proof of such denial.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is

directly or indirectly, caused by, a consequence of, arises in connection with or

contributed to by:

1. loss or damage of property/baggage caused by wear and tear, gradual

deterioration, destruction by moths, vermin, inherent vice or damage sustained

due to any process or while actually being worked upon or resulting therefrom;

2. loss or damage of property/ baggage caused by mechanical or electrical

breakdown or derangement or damage sustained due to any process initiated by

You to repair, clean or alter such property/baggage;

3. loss or damage of property/baggage/money resulting directly or directly from

insurrection, rebellion, revolution, civil war, usurped power, or action taken by

governmental authorities in hindering, combating or defending against such an

occurrence, seizure or destruction under quarantine or customs regulations,

confiscation by order of any government or public authority or risk of contraband

or illegal transportation or trade;

4. loss or damage of property/baggage/money from confiscation or retention by

customs or other officials or government authority;

5. loss or damage of property/baggage/money as a result of Your failure to take due

and reasonable care and precautions to safe-guard and secure such property/or

baggage/money;

6. loss or damage of watches and Portable Computers not carried as hand-carried

baggage and kept under Your supervision;

7. damage or breakages of fragile or brittle articles;

8. loss of data recorded on tapes, cards, discs or otherwise, including the cost of

reproducing the data;

9. loss or damage of property/baggage/money not reported to either the police or

relevant authority within the jurisdiction where the loss or damage occurred

within twenty-four (24) hours of the discovery of such loss or damage;

10. loss or damage of property/baggage/money whilst in the custody of an airline or

other Common Carrier, unless reported immediately on discovery and, in the

case of an airline, a property irregularity report is obtained;

11. loss or damage of property/baggage/money insured under any other insurance

policy, or otherwise reimbursed by a Common Carrier or any other third party;

12. loss or damage to property/baggage due to defective materials or craftsmanship;

13. loss of or damage to property/baggage/money left unattended in a Public Place;

14. loss of or damage to property/baggage/money left unattended in any motor

vehicle (unless stored in the locked boot or compartment);

15. mysterious disappearance of property/baggage/money;

16. devaluation of currency or shortage due to errors or omissions during any

transactions involving money;

17. loss of postal money orders or travellers’ cheques not immediately reported to the

local branch or agent of the issuing authority;

18. loss or damage due to animals, insects or rodents;

19. scratches or dents to property/baggage.

20. loss or damage to property which does not affect the fitness for use or

purpose or functionality of such property.

Property Not Covered

We will not pay for damage due to or loss of any of the following :

i) animals, insects, rodents;

ii) motor vehicles, aircraft, bicycles and other conveyances or equipment or parts

pertaining to such conveyances;

iii) artificial limbs, false teeth, hearing aids, any type of eyeglasses, contact lenses or

corneal lenses;

iv) tickets;

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

v) coupons, negotiable instruments, title deeds, manuscripts, money, stamps,

stocks and bonds, postal or money orders, securities of any kind;

vi) property shipped as freight, or shipped prior to the Scheduled Departure Date;

vii) cards, including but not limited to credit cards, cash card, identity card,

driving license;

viii) contraband;

ix) business goods or samples/prototypes or equipment of any kind or any

x) products/components meant for trade;

xi) hired or leased equipment;

xii) any consumable and/or perishable item(s);

xiii) computers (including software and accessories) other than Portable

Computers;

xiv) cash or cash equivalents, bank note(s), casino chip(s), voucher(s);

xv) musical instrument, household effect(s), antique(s), artefact(s), painting(s),

xvi) object(s) of art, gem stone(s);

xvii) wheelchair(s), baby/children stroller(s);

xviii) Golf Equipment (as defined in Section 27B);

xix) Jewellery and watches.

Section 15 – Loss or Damage to Travel Documents (applicable to Overseas Return Journey

only)

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You sustain loss of

or damage to Your Travel Documents due to robbery, burglary, theft or by force,

violence or threat of violence.

Additional

Conditions

The loss must be reported to police or relevant authority Overseas having

jurisdiction where the loss occurred, within twenty-four (24) hours after the

incident. Any claim must be accompanied by a copy of a police report or a report

issued by the relevant authority evidencing such loss.

You must take every possible safeguard to ensure the security of Your Travel

Documents.

Additional

Definitions

Travel Documents means documents or identification required for Your Journey

including but not limited to driving license, passport, visas or travel tickets.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

What We Will Pay

We will reimburse You in respect of :

a) the replacement cost of such Travel Documents whilst Overseas;

b) additional and reasonable expenses incurred Overseas for ordinary room

accommodation expenses in any reasonable hotel, which becomes necessary due

to You not being able to continue Your Journey without such lost Travel

Documents;

c) additional, reasonable and necessary travel expenses incurred at the place

Overseas where Your Travel Documents were lost;

up to the relevant Benefit amount as specified in the Benefit Schedule and according

to the type of plan stated in Your Certificate of Insurance, subject to the terms and

conditions of this Policy.

If the loss of Your Travel Documents referred to above is Your travel tickets, We will

only reimburse You in respect of administrative charges incurred to replace such lost

travel tickets, up to RM500 (for Executive Plan) or RM1,000 (for First Plan), and

subject to the terms and conditions of this Policy.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will not

in any event be liable in respect of any claim under this Section, which is directly or

indirectly, caused by, a consequence of, arises in connection with or contributed to by:

1. Any unexplained loss or damage, or loss or damage due to confiscation or

detention by customs or any other authority.

2. Loss or damage not reported to either the police or relevant authority having

jurisdiction where the loss or damage occurred within twenty-four (24) hours of

the discovery of such loss or damage.

3. Loss or damage whilst in custody of an airline or other Common Carrier, unless

reported immediately on discovery and in the case of an airline a property

irregularity report is obtained

4. Loss or damage due to animals, insects or rodents.

5. Any replacement costs of such Travel Documents after returning to Home.

Section 16 – Loss of Personal Money (applicable to Overseas Return Journey only)

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You sustain loss of

Personal Money kept on Yourself due to burglary, robbery, theft or by force,

violence, or threat of violence. We will not in any event be liable to make payment

in respect of any loss of Personal Money if You fail to take reasonable precautions

for the safety of the money.

Additional

Conditions

The loss must be reported to the police or relevant authority having jurisdiction

where the loss occurred, within twenty-four (24) hours after the incident. Any claim

must be accompanied by a copy of a police report or a report issued by the relevant

authority evidencing such loss;

For the avoidance of doubt, in the event You become entitled to a refund or

reimbursement of all or part of such loss from any other source, or if there is in

place any other insurance against the events covered under this Section, We will

only be liable for the excess of the amount recoverable from such other source or

insurance.

Additional

Definitions

Personal Money means coins, cash, bank notes, postal money orders or

travelers’ cheques that belongs to You.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

What We Will Pay

We will reimburse You for such loss up to a maximum of the relevant Benefit

amount as specified in the Benefit Schedule and according to the type of plan

stated in Your Certificate of Insurance, subject to the terms and conditions of

this Policy.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is

directly or indirectly, caused by, a consequence of, arises in connection with or

contributed to by:

1. Devaluation of currency or shortage due to errors or omissions during any

transactions involving money;

2. Any unexplained loss or damage, or loss or damage due to confiscation or

detention by customs or any other authority;

3. Loss not reported to either the police or relevant authority having jurisdiction

where the loss occurred within twenty-four (24) hours of the discovery of such

loss;

4. Loss of postal money orders or travelers’ cheques not immediately reported to the

local branch or agent of the issuing authority;

5. Loss or damage whilst in custody of an airline or other carrier, unless reported

immediately on discovery and in the case of an airline a property irregularity

report is obtained;

6. Loss or damage due to animals, insects or rodents.

Section 17 – Fraudulent Use of Lost Credit Card (applicable to Overseas Return Journey only)

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You sustain

financial loss as a direct result of a credit, charge or bankers card being lost or

stolen and being subsequently used fraudulently by any person other than You.

Additional

Conditions

a) The loss must be reported to the card company within six (6) hours after the

incident. Any claim must be accompanied by a copy of the report issued by the

card company evidencing such loss;

b) The loss must be reported to police or relevant authority Overseas having

jurisdiction where the loss occurred, within twenty-four (24) hours after the

incident. Any claim must be accompanied by a copy of a police report or a report

issued by the relevant authority evidencing such loss.

c) You must take every possible safeguard to ensure the security of Your Travel

Documents.

d) For the avoidance of doubt, in the event You become entitled to a refund or

reimbursement of all or part of such expenses from any other source, or if there

is in place any other insurance against the events covered under this Section, We

will only be liable for the excess of the amount recoverable from such other

source or insurance.

What We Will Pay

We will reimburse You for such loss up to a maximum of the relevant Benefit

amount as specified in the Benefit Schedule and according to the type of plan

stated in Your Certificate of Insurance, subject to the terms and conditions of

this Policy.

What Is Not

Covered

Please refer to Part 4 – General Exclusions.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 18 – Baggage Delay

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, Your checked-in

baggage is delayed by a Common Carrier operator and is not delivered to You

within six (6) hours of Your arrival at the scheduled Destination Overseas or within

Malaysia (for Domestic Journey).

For Overseas Journey, if, during the Period of Insurance, upon returning to

Malaysia on a Return Journey, Your checked-in baggage is delayed by a Common

Carrier operator and is not delivered to You within six (6) hours of Your arrival in

Malaysia.

What We Will Pay

We will pay You the relevant Benefit amount specified in the Benefit Schedule for

every full six (6) consecutive hours of delay, up to the maximum sum insured

specified in the Benefit Schedule, subject to the terms and conditions of this Policy.

For Overseas Return Journey, in the event the checked-in luggage is delayed within

six (6) hours of Your arrival in Malaysia, We will pay You the relevant Benefit

amount specified in the Benefit Schedule, subject to the terms and conditions of

this Policy.

The total amount of Benefit for a Journey that is payable under this Section for

each Insured Person (for baggage delay Overseas and/or in Malaysia, as the case

may be) shall be up to the maximum of the relevant ‘Overseas’ or ‘In Malaysia’

Benefit amount specified in the Benefit Schedule.

If Your Coverage is under a Family Plan, then in addition to the maximum amount

of the Benefit for each Insured Person, the total amount of Benefit for a Journey

that is payable under this Section for all Insured Persons under the same Family

Plan (for baggage delay Overseas and/or in Malaysia, as the case may be) shall be

up to the maximum of the relevant ‘Per Family Limit’ Benefit amount specified in

the Benefit Schedule.

For the avoidance of doubt, the amount per six (6) hours specified in the Benefit

Schedule under this Section is based on each Insured Person and not on each piece

of luggage.

The delay must be verified in writing by the operator(s) of the Common Carrier or

their handling agent(s) as well as the number of hours delayed and the reason for

the delay.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is

directly or indirectly, caused by, a consequence of, arises in connection with or

contributed to by:

1. Baggage delay not immediately reported to the operator(s) of the Common

Carrier;

2. Baggage delay which You and/or anyone else has received compensation from

the operators of the Common Carrier in which You and/or they were traveling.

3. For Domestic Journey, baggage delay on the Return Journey to Your Home.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 19 – Travel Delay

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, the departure of the

Common Carrier in which You had arranged to travel is delayed for at least six (6)

consecutive hours at:

Any single Destination Overseas or within Malaysia, from the time specified in the

itinerary supplied to You due to:

a) Strike or industrial action;

b) adverse weather conditions;

c) mechanical breakdown/derangement of the Common Carrier;

d) grounding of the Common Carrier as a result of mechanical or structural defect;

e) Natural Disasters;

f) any event leading to airspace restrictions or airport closure.

What We Will Pay

We will pay You the relevant Benefit amount specified in the Benefit Schedule for

every full six (6) consecutive hours of delay, up to the maximum of the relevant

Benefit amount specified in the Benefit Schedule, subject to the terms and

conditions of this Policy.

The period of delay shall be calculated from the original departure time as stated in

Your ticket or travel itinerary to the departure of the next available Common

Carrier, chartered flight or any other alternative means of transportation,

whichever is earlier.

The delay must be verified in writing by the operator(s) of the Common Carrier or

their handling agent(s) as well as the number of hours delayed and the reason for

the delay.

This coverage is effective only if You purchased this Policy before You become aware

of any circumstances, which could lead to the disruption of the planned Journey.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is

directly or indirectly, caused by, a consequence of, arises in connection with or

contributed to by:

1. Your failure to check-in according to the itinerary supplied to You;

2. Strike or industrial action existing on the date You applied for cover under this

Policy;

3. Your late arrival at the airport or port after check-in or boarding time (except if

the late arrival is due to Strike or industrial action);

4. Failure of public transport services arising from Strike or industrial action

which commenced or was announced before the commencement of the

Journey;

5. Any travel insurance purchased within six (6) hours from the original

scheduled departure time as stated in Your ticket or travel itinerary;

6. Any delay which You have been made aware of twenty-four (24) hours prior to

the original scheduled departure stated in Your ticket or travel itinerary.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 20 – Travel Misconnection (applicable to Overseas Return Journey only)

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, Your confirmed

onward travel connection Overseas is missed at the transfer point due to the late

arrival of Your incoming confirmed scheduled Common Carrier and no onward

transportation is available to You within six (6) consecutive hours of Your actual

arrival time.

What We Will Pay

We will pay You the relevant Benefit amount specified in the Benefit Schedule for

every full six (6) consecutive hours of misconnection (the period of misconnection

being calculated from your actual arrival time to Your actual departure time), up to

the maximum of the relevant Benefit amount specified in the Benefit Schedule,

subject to the terms and conditions of this Policy.

The travel misconnection details must be confirmed in writing by the

operator(s) of the Common Carrier or their handling agent(s), with the

scheduled and actual time of arrival and the scheduled and actual departure

time of the next available Common Carrier.

What Is Not

Covered

Please refer to Part 4 – General Exclusions

Section 21 – Travel Re-Route (applicable to Overseas Return Journey only)

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, the Common

Carrier in which You had arranged to travel is re-routed and Your arrival at the

scheduled Destination has been delayed for at least six (6) consecutive hours from

the time specified in the ticket or itinerary supplied to You due to adverse weather

conditions.

What We Will Pay

We will pay You the relevant Benefit amount specified in the Benefit Schedule for

every full six (6) consecutive hours of delay due to the diversion, up to the

maximum relevant Benefit amount specified in the Benefit Schedule, subject to the

terms and conditions of this Policy.

The period of delay shall be calculated from the original scheduled arrival time as

stated in Your ticket or travel itinerary to the actual arrival time at the scheduled

Destination.

The delay must be verified in writing by the operator(s) of the Common Carrier or

their handling agent(s) as well as the number of hours delayed and the reason for

the delay.

We would however, not pay for any travel insurance purchased within six (6) hours

from the original scheduled departure time as stated in Your ticket or travel

itinerary.

This Benefit is payable only once for each Journey out of Malaysia.

What Is Not

Covered

Please refer to Part 4 – General Exclusions

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 22 – Travel Overbook (applicable to Overseas Return Journey only)

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You have a

confirmed booking seat and are denied boarding on a Common Carrier which You

are booked on due to over-booking and no alternative Common Carrier is made

available to You within six (6) hours of the scheduled departure time as specified in

Your printed itinerary.

What We Will Pay

We will pay You the relevant Benefit amount specified in the Benefit Schedule for

every full six (6) consecutive hours of delay (the period of delay being calculated

from the scheduled departure time to the actual departure of the next available

Common Carrier or any alternative means of transportation, whichever is earlier),

up to the maximum relevant Benefit amount specified in the Benefit Schedule,

subject to the terms and conditions of this Policy.

The travel overbooked details must be confirmed in writing by the operator(s) of the

Common Carrier or their handling agent(s).

We would however, not pay for any travel insurance purchased within six (6) hours

from the original scheduled departure time as stated in Your ticket or travel

itinerary.

This Benefit is payable only once for each Journey out of Malaysia.

What Is Not

Covered

Please refer to Part 4 – General Exclusions

Section 23 – Missed Departure (applicable to Overseas Return Journey only)

What Is Covered

If, during Your Journey, You missed Your departure at a Destination country as a

result of mechanical breakdown of public transport services that You are traveling

in (any licensed bus or taxi or a scheduled service which any member of public has

access to) which fails to get You to the departure port, airport or train station as

stated in Your ticket.

What We Will Pay

We will pay You the relevant Benefit amount specified in the Benefit Schedule for

every full six (6) consecutive hours of missed departure (the hours of missed

departure being calculated from the original scheduled departure time of the

Common Carrier specified in the itinerary to the actual departure of the next

available Common Carrier or any alternative means of transportation, whichever is

earlier), up to the maximum Benefit amount specified in the Benefit Schedule.

subject to the terms and conditions of this Policy.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is

directly or indirectly, caused by, a consequence of, arises in connection with or

contributed to by:

1. Your failure, other than due to mechanical breakdown of the public transport

services, to check-in according to the itinerary supplied to You;

2. Your late arrival at the airport or port or train station after check-in or boarding

time (except if the late arrival is due to mechanical breakdown of the public

transport services);

3. Any travel insurance purchased within six (6) hours from the original schedule

departure time as stated in Your ticket or travel itinerary.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 24 – Hijacking Inconvenience (applicable to Overseas Return Journey only)

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You are a victim of a

Hijack of a Common Carrier or motor vehicle on which You are traveling and the

Hijack lasts for a period of at least twenty-four (24) hours.

Additional

Conditions

a) Any claims under this Hijack section must be accompanied by a police report or a

report issued by the carrier confirming that You were a victim of Hijack and the

duration of such Hijack.

b) We will only pay up to the maximum Benefit amount specified in the Benefit

Schedule for the same Journey for each Certificate of Insurance, regardless of the

number of Insured Person(s) stated in the Certificate of Insurance.

Additional

Definition

Hijack means any seizure or exercise of control by force or violence or threat of

force or violence and with wrongful intent of a Common Carrier or motor

vehicle.

What We Will Pay

We will pay to You the relevant Benefit amount specified in the Benefit Schedule

for each full twenty-four (24) hours of Hijack up to the maximum Benefit

amount specified in the Benefit Schedule subject to the terms and conditions of

this Policy.

What Is Not

Covered

Please refer to Part 4 – General Exclusions

Section 25 – Personal Liability

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You incur legal

liability to a third party. The legal liability must be in respect and as a result of:

a) Accidental death or Accidental bodily injury to any third party; or

b) Accidental Property Damage to property of third party;

that occurred during Your Journey.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Additional

Conditions

1. For the avoidance of doubt, in the event You become entitled to a refund or

reimbursement of all or part of such expenses from any other source, or if there is

in place any other insurance against the events covered under this Section, We

will only be liable for the excess of the amount recoverable from such other

source or insurance.

2. No admission, offer, promise, payment or indemnity shall be made without Our

written consent and We shall be entitled to take over and conduct in Your name

the defence or settlement of any claim or to prosecute in Your name for Our own

benefit any claim for indemnity or damages or otherwise and shall have full

discretion in the conduct of any proceedings and in the settlement of any claim

and You hereby agree to give all information and assistance as We may require.

Every letter, claim, writ, summons and process shall be forwarded to Us upon

receipt. Written notice shall also be given to Us immediately upon You receiving

notice of any prosecution or inquest in connection with any circumstances which

may give rise to liability under this coverage.

3. We may at any time pay to You in connection with any claim or series of claims

the limit of indemnity (after the deduction of any sum(s) already paid as

compensation) or any lesser amount for which such claim(s) can be settled and

upon such payment being made We shall relinquish the conduct and control of

and be under no further liability in connection with such claim(s) except for the

payment of costs and expenses recoverable or incurred prior to the date of such

payment.

Additional

Definition

Property Damage means any physical damage to, destruction of, or loss of use of

tangible property.

What We Will Pay

We will indemnify You in respect of each occurrence or a series of occurrences

giving rise to such liability arising directly or indirectly from one (1) source or

original cause, up to the relevant Benefit amount as specified in the Benefit

Schedule and according to the type of plan stated in Your Certificate of

Insurance subject to the terms and conditions of this Policy.

We will also reimburse You for:

a) All cost and expenses in respect of which a claim of damages for negligence

under this Section is recoverable by a third-party claimant from You.

b) All cost and expenses in respect of which a claim of damages for negligence

under this Section incurred with Our written consent.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is directly

or indirectly, caused by, a consequence of, arises in connection with or contributed

to by :

1. Harm and Property Damages to the property of or to any person who is Your

Family Member, relative or employee or deemed by law to be Your employee.

2. In respect of death, disablement, bodily injury or sickness suffered by any

person who is under a contract of service or training with You when such event

arises out of and in the course of his or her employment by You.

3. In respect of death, disablement, bodily injury or sickness suffered by any

Family Member or any person with whom You reside.

4. Property Damage to property which belongs to You or held in trust by You or is

in Your custody or control.

5. Damages relating to any liability assumed under contract.

6. Damages relating to the willful, malicious or unlawful act or omission on the

part of You.

7. The ownership, possession or use of vehicles, aircraft, watercraft, firearms or

animals, or arising from the negligent supervision and vicarious liability for the

acts of a minor in connection with the above.

8. Past or present business, trade or professional activities, including the

rendering of or failure to render business, trade or professional services.

9. Any criminal proceedings taken against You whether You are actually convicted

or not.

10. The transmission of communicable disease by You.

11. The possession or use of any controlled substance/drugs unless prescribed by a

Physician.

12. Sexual molestation, corporal punishment, physical or mental abuse.

13. Pollution which includes the alleged or potential introduction of substance

which makes the environment impure or harmful.

14. The influence of intoxicants.

15. Riding or driving in races or rallies.

Section 26 – Emergency Mobile Phone Charges (applicable to Overseas Return Journey only)

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You, as a result of

being in a Critical Medical Condition (as defined in Section 9), incur charges for

personal mobile phone used for the sole purpose of engaging the services of Chubb

Assistance, or an authorized representative of Chubb Assistance, during a medical

emergency, and for which an Overseas Medical Expenses claim has been submitted

under Section 3.

Additional

Condition

Charges incurred must be supported by an itemized statement of charges.

What We Will Pay

We will reimburse You for the emergency mobile phone charges incurred for

such call to Chubb Assistance or the authorized representative of Chubb

Assistance, up to the relevant Benefit amount as specified in the Benefit

Schedule and according to the type of plan stated in Your Certificate of

Insurance, subject to the terms and conditions of this Policy.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is directly

or indirectly, caused by, a consequence of, arises in connection with or contributed

to by:

1. Telephone calls made via standard land line;

2. Public telephone using international calling card.

Section 27A – Golf Benefit: Hole-In-One

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You score a Hole-

in-One as defined in St. Andrew’s Golf Rules.

Additional

Conditions

Any claims for reimbursement must be accompanied by a copy of the certificate

for the Hole-in-One issued by the club and receipts supporting the Hospitality

Expenses.

Additional

Definition

Hospitality Expenses means customary food and beverages purchased at the

golf club house for the purpose of celebrating the Hole-in-One scored by You

and/or Your Spouse.

What We Will Pay

We will reimburse You for the Hospitality Expenses incurred up to the relevant

Benefit amount specified in the Benefit Schedule, subject to the terms and

conditions of this Policy.

What Is Not

Covered

Please refer to Part 4 – General Exclusions

Section 27B – Loss of Golf Equipment Due To Theft

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You sustain loss

due to theft of Your Golf Equipment.

Additional

Conditions

a) All Golf Equipment must be owned by You and not hired by, loaned or

entrusted to You.

b) We will indemnify after taking into account wear and tear and depreciation

or at Our absolute discretion, replace or repair such items;

c) The loss must be reported to the police or relevant authority having

jurisdiction where the loss occurred within twenty-four (24) hours of such

loss. Any claims for indemnity under this Section must be accompanied by a

copy of a police report or a report issued by the relevant authority

evidencing such loss.

d) For the avoidance of doubt, in the event You become entitled to a refund or

reimbursement of all or part of such loss from any other source, or if there

is in place any other insurance against the events covered under this

Section, We will only be liable for that portion of the loss which is in excess

of the amount recoverable from such other source or insurance.

Additional

Definition

Golf Equipment means golf clubs, golf bag, golf shoes and non-motorized golf

trolley.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

What We Will Pay

We will indemnify You in respect of such loss up to the relevant Benefit amount

as specified in the Benefit Schedule, subject to the terms and conditions of this

Policy.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is directly

or indirectly, caused by, a consequence of, arises in connection with or contributed

to by :

1. loss occurring during the use of the Golf Equipment;

2. loss of Golf Equipment caused by wear and tear, gradual deterioration,

destruction by moths, vermin, inherent vice;

3. loss arising from confiscation or retention of the Golf Equipment by customs or

other officials;

4. loss as a result of Your failure to take due and reasonable care and precautions to

safe-guard and secure the Golf Equipment;

5. Any type of damage to the Golf Equipment.

Section 27C – Unused Golf Green Fees

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You are prevented

from playing golf as a result of :

a) Bodily Injury or Sickness (for Overseas Journey) ; or

b) Bodily Injury (for Domestic Journey).

Additional

Conditions

Any claims for indemnity must be accompanied by a copy of a medical report from

the Physician substantiating the :

a) Bodily Injury or Sickness (for Overseas Journey) ; or

b) Bodily Injury (for Domestic Journey)

and confirming Your inability to play golf as a result of such Bodily Injury or

Sickness (as may be relevant) during the period for which the indemnity is

being claimed.

What We Will Pay

We will indemnify You for any non-refundable, pre-paid and unused green fees up to

the relevant Benefit amount as specified in the Benefit Schedule and according to the

type of plan stated in Your Certificate of Insurance, subject to the terms

and conditions of this Policy.

What Is Not

Covered

Please refer to Part 4 – General Exclusions

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 28 – Home Inconvenience Allowance

(for Domestic Journey, it is applicable to Chubb First Plan only)

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You suffer a loss of or

damage to Home Contents kept in Your Home that was left vacant, arising out of

burglary or fire.

Additional

Condition

a) We will only pay You up to the maximum ‘Single Article Limit’ amount as

specified in the Benefit Schedule and according to the type of plan stated in Your

Certificate of Insurance, for any one article or pair or set of articles.

b) In settling claims for theft or total destruction, the basis of settlement will be

replacement in the same form without deduction for wear and tear or

depreciation except in respect of wearing apparel and household items.

c) For the avoidance of doubt, in the event You become entitled to a refund or

reimbursement of all or part of such expenses from any other source, or if there is

in place any other insurance against the events covered under this Section, We

will only be liable for the excess of the amount recoverable from such other source

or insurance.

Additional

Definition

Home Contents means all description of household goods, personal effects and

possessions of You and Your Family Member.

What We Will Pay

We will indemnify You for such loss or damage up to the relevant Benefit amount as

specified in the Benefit Schedule subject to the terms and conditions of this Policy.

What Is Not

Covered

In addition to Part 4 – General Exclusions, this Policy does not cover, and We will

not in any event be liable in respect of any claim under this Section, which is directly

or indirectly, caused by, a consequence of, arises in connection with or contributed

to by :

a) In respect of shortage due to error, omission, exchange or depreciation in value.

b) Escape of water or oil from any washing machine, dishwasher or fixed domestic

water or heating installation.

c) Theft during or after the occurrence of a fire.

d) The burning of property through the order of any public authority.

e) Any loss or damage occasioned through Your willful act or involvement.

f) Loss (whether temporary or permanent) of the insured property or any part

thereof by reason of confiscation, requisition, detention or legal or illegal

occupation of such property or of any premises, vehicle or thing containing the

same by any government authorities.

g) Consequential loss or damage of any kind.

h) Stocks and/or items related to Your business or profession.

i) Photographic and sports equipment and accessories and musical instruments.

j) Motor vehicles, boats, livestock, bicycles and any equipment or accessories

relating thereto.

k) Loss or damage insured under any other insurance policy, or reimbursed by any

other party.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 29 – Pet Care (applicable to Overseas Return Journey only)

What Is Covered

If, during the Period of Insurance, whilst You are prevented from completing the

return leg of the Overseas Return Journey, as a result of a travel delay which has

resulted in a valid claim under Section 19, for a minimum of twenty-four (24) hours

from the original scheduled time of arrival at Malaysia.

What We Will Pay

We will reimburse You for the additional cost of boarding Your pet in a pet’s

boarding home until You return to Malaysia, up to the relevant Benefit amount

specified in the Benefit Schedule, subject to the terms and conditions of this Policy

and notwithstanding any expiry of this Policy.

What Is Not

Covered

Please refer to Part 4 – General Exclusions

Section 30 – Terrorism Extension

What Is Covered

If, during the Period of Insurance and in the event of a claim under any Section of

this Part 7 – Benefits arising from any Act of Terrorism, the Policy is extended to

cover You whilst You are on a Journey.

What We Will Pay

We will reimburse You up to the maximum sum insured specified in the Benefit

Schedule, subject to the terms and conditions of this Policy.

What Is Not

Covered

Please refer to Part 4 – General Exclusions

Section 31 – Chubb Assistance Benefits

You are entitled to obtain assistance from Chubb Assistance in respect of the following:

1. 24-hour Telephone Access

If You require assistance, You may call collect to the dedicated 24-hour hotline with trained multi-lingual

personnel including a panel of Chubb Assistance appointed physician for immediate assistance and

advice.

2. Medical Assistance

i) Assistance over the Phone

Chubb Assistance will arrange for the provision of medical assistance for You over the telephone.

ii) Medical Service Provider Referral

Chubb Assistance shall provide to You, upon request, the name, address, telephone number and, if

available, office hours of physicians, hospitals, clinics, dentists and dental clinics.

iii) Arrangement of Appointments with Local Doctors for Treatment

Chubb Assistance will assist You to arrange for appointments with general practitioners or

specialized doctors.

3. Travel Assistance

i) Inoculation and Visa Requirement information

Chubb Assistance shall provide information concerning visa and inoculation requirements for

foreign countries, as those requirements are specified from time to time in the most current

edition of World Health Organization Publication “Vaccination Certificates Requirements and

Health Advice for International Travel” (for inoculations) and the “ABC Guide to International

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Travel Information” (for visas). This information will be provided to You at any time, whether or

not You are travelling or an emergency has occurred.

ii) Interpreter Referral

Chubb Assistance will provide the names, telephone numbers and, if possible and requested,

hours of opening of interpreters’ office in foreign countries.

iii) Lost Luggage Assistance

Chubb Assistance will assist You if You have lost Your luggage while travelling outside Malaysia

by referring You to the appropriate authorities involved.

iv) Loss of Passport Assistance

Chubb Assistance will assist You if You have lost Your passport while travelling outside Malaysia

by referring You to the appropriate authorities involved.

v) Embassy Referral

Chubb Assistance shall provide the address, telephone number and hours of opening of the

nearest appropriate consulate and embassy worldwide.

vi) Weather and Foreign Exchange Information Services

Chubb Assistance shall provide information to You regarding the exchange rate of major foreign

currencies and weather forecasts and temperatures of foreign countries.

vii) Emergency Message Transmission Assistance

In the event of an emergency or a hospital confinement, Chubb Assistance will undertake to keep

Your immediate family members informed, upon Your or Your Travel Companion’s request and

consent to do so.

viii) Legal Referral

Chubb Assistance will provide You with name, address, telephone numbers, if requested by You

and if available, office hours for referred lawyers and legal practitioners.

The above services rendered to You are purely on referral or arrangement basis only. Neither We, nor Chubb

Assistance shall be responsible for any third party expenses which shall be solely Your responsibility. Chubb

Assistance shall use its best effort to provide You, in a timely and accurate manner, the above information and

referral services. Chubb Assistance will exercise care and diligence in selecting the service providers. Chubb

Assistance cannot guarantee the quality of the services of the service providers and the final selection of a

service provider shall be Your decision.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 32 – Medical Expenses due to COVID-19

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You are necessarily

and reasonably Confined in a Hospital or other Temporary Medical & Quarantine

Facility as a direct result of COVID-19 and as diagnosed by a Doctor who is directly

treating, testing or, attending to Your medical circumstances, We will cover You in

respect of such Medical Expenses upon notification to Chubb Assistance for

hospitalization and medical arrangement up to the maximum Benefit specified in the

Benefit Schedule, subject to the terms and conditions of this Policy.

Additional

Definition

Alternative Medical Physician means a legally licensed traditional medical

practitioner (including a Chinese acupuncturist or bonesetter) or chiropractor or

physiotherapist duly registered and practicing within the scope of his license

pursuant to the laws of the country in which such practice is maintained.

Alternative Medical Physician shall not include You and/or Your Spouse or any

of their Your and/or Your Spouse’s relatives unless otherwise approved by Us.

Additional

Conditions

If due to reasons beyond Your control, You are unable to notify Chubb Assistance to

make the necessary arrangements, We shall reimburse You up to the amount which

Chubb Assistance would have incurred for the services provided under the same

circumstances, subject to the terms and conditions of this Policy.

What Is Not

Covered

In addition to Part 4 – General Exclusions, We will not pay under this Section for

any of the following:

a) any further expenses incurred by You if We wish to return You back to Malaysia,

but You refuse (where in the opinion of the treating Doctor and Chubb

Assistance, You are fit to travel);

b) any expenses relating to any treatment for COVID-19 where such treatment was

first sought more than sixty (60) days from the time the COVID-19 was first

sustained;

c) any expenses incurred in relation to treatment by an Alternative Medical

Physician;

d) any expenses relating to specialist treatment not prescribed or referred by a

Doctor in general practice; or

e) expenses incurred for mandatory diagnostic tests that You are required to take

for the trip, such as pre-departure tests and post-arrival tests.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 33 – Emergency Medical Evacuation & Repatriation due to COVID-19

What Is Covered

If, during the Period of Insurance, whilst You are on a Journey, You:

a) are diagnosed with COVID-19 by a Doctor who is directly treating, testing or,

attending to Your medical circumstances, and this is further validated by the

designated Doctor appointed by Chubb Assistance; and

b) the necessary medical treatment is not available, either at the nearest Hospital

where You were transported to or in the immediate vicinity thereof, after being

diagnosed with COVID-19; We may, based on the advice of the designated Doctor

appointed by Chubb Assistance that You are medically fit to be evacuated,

determine in our sole discretion, that You, should be evacuated to another

location for the necessary medical treatment.

Chubb Assistance or its authorised representative, shall arrange for the evacuation

within a reasonable timeframe and utilise the best suited means based on the

medical severity of Your condition, including but not limited to, air ambulance,

surface ambulance, regular air transportation, railroad or any other appropriate

means. All decisions as to the means of transportation and the final destination will

be made by Chubb Assistance, or its authorised representative, and will be based

solely upon medical necessity. You may in appropriate circumstances be returned

to Malaysia.

We shall pay directly to Chubb Assistance the Covered Expenses, up to the

maximum Benefit specified in the Benefit Schedule, subject to the terms and

conditions of this Policy.

If due to reasons beyond Your control, that You are unable to notify Chubb

Assistance to make the necessary evacuation arrangements, We shall, if satisfied

that the evacuation was due to the necessary medical treatment not being available,

either at the nearest Hospital where You were transported to or in the immediate

vicinity thereof, reimburse You for expenses incurred in relation to the evacuation,

up to the amount which Chubb Assistance would have incurred for services

provided under the same circumstances, subject to the terms and conditions of this

Policy.

Additional

Definition

Covered Expenses mean expenses for services provided and/or arranged by

Chubb Assistance for the transportation, medical services and medical supplies

necessarily incurred as a result of Your evacuation.

What Is Not

Covered

In addition to Part 4 – General Exclusions, We will not pay under this Section for

any of the following:

a) any expenses incurred for services provided by another party for which You are

not liable to pay, or any expenses already included in the cost of a scheduled

trip;

b) any expenses for a service not approved and arranged by Chubb Assistance or

its authorised representative, except as otherwise mentioned in this Section;

c) any treatment performed or ordered by a person who is not a Doctor; and

d) any expenses incurred in relation to treatment that can be reasonably delayed

until You return to Malaysia.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 34 – Repatriation of Mortal Remains due to COVID-19

What Is Covered

If, during the Period of Insurance, while You are on a Journey, You suffer death as a

direct result of COVID-19, Chubb Assistance or its authorised representative shall

make the necessary arrangements for the return of Your mortal remains to Malaysia

or Your Home Country. We shall pay directly to Chubb Assistance the Covered

Expenses for such repatriation and We shall reimburse to You or Your estate the

actual expenses incurred Overseas for services and supplies by a mortician or

undertaker, including the cost of embalming and cremation if so elected, subject to

the terms and conditions of this Policy. All payments made by Us shall not exceed the

maximum Benefit specified in the Benefit Schedule and according to the type of plan

stated in Your Certificate of Insurance.

Additional

Definition

Covered Expenses mean expenses for services provided and/or arranged by

Chubb Assistance for the transportation, medical services and medical supplies

necessarily incurred as a result of Your evacuation.

What Is Not

Covered

In addition to Part 4 – General Exclusions, We will not pay under this Section for

any of the following:

a) any expenses incurred for services provided by another party for which You are

not liable to pay, or any expenses already included in the cost of a scheduled

trip;

b) any expenses for a service not approved and arranged by Chubb Assistance or

its authorised representative, except as otherwise mentioned in this Section;

c) any treatment performed or ordered by a person who is not a Doctor; and

d) any expenses incurred in relation to treatment that can be reasonably delayed

until Your return to Malaysia.

Section 35 – Daily Hospital Income due to COVID-19

What Is Covered

If, during the Period of Insurance, while You are on the Journey, You are necessarily

and reasonably Confined in a Hospital or other Temporary Medical & Quarantine

Facility Overseas as a result of COVID-19, and as diagnosed by a Doctor who is

directly treating, testing or, attending to Your medical circumstances, We will pay

You the relevant daily Benefit up to the maximum Benefit amount specified in the

Benefit Schedule, subject to the terms and conditions of this Policy.

The daily Benefit amount shall be paid for each complete day twenty-four (24) hours

of Confinement from the third (3rd) day of Confinement and up to the maximum

Benefit specified in the Benefit Schedule.

For this purpose, each day of Confinement shall be counted towards the total number

of days of Confinement, notwithstanding that such days do not run consecutively.

Additional

Conditions

Overseas Hospital Confinement Benefit due to COVID-19 shall be payable only if the

following conditions are met:

a) after a minimum Confinement period of forty-eight (48) hours; and

b) Confinement must be considered medically necessary by a Doctor in his

professional capacity.

What Is Not

Covered

In addition to Part 4 – General Exclusions, We will not pay under this Section for

any of the following:

a) any Confinement in Malaysia;

b) first forty-eight (48) hours of the Confinement.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 36 – Travel Cancellation due to COVID-19

What Is Covered

If You are forced to cancel any part of Your Journey as the direct and necessary direct

result of any COVID-19 Specified Cause occurring within fifteen (15) days prior to the

Scheduled Departure Date, We will reimburse You in respect of Cancellation

Expenses up to the maximum Benefit specified in the Benefit Schedule, subject to the

terms and conditions of this Policy. This coverage is effective only if this Policy is

purchased before You become aware of any circumstances which could lead to the

disruption of Your Journey.

Additional

Definition

COVID-19 Specified Cause means

a) You or Your Travel Companion is diagnosed with COVID-19 and confirmed by a

Doctor;

b) Your death and/or Your Family Member or Travel Companion due to COVID-19

which resulted in You cancelling the Journey; or

c) You or Your Travel Companion serving a Compulsory Quarantine or stay home

notice order from the government due to close contact with a positive COVID-19

carrier, and as a result missed the Scheduled Departure Date.

Once You cancel the trip and a claim is made for travel cancellation under Section 36

– Travel Cancellation due to COVID-19, the Policy will immediately end when the

trip is cancelled.

What Is Not

Covered

In addition to Part 4 – General Exclusions, We will not pay under this Section for

any of the following:

a) any change of plans on Your part or that of any other person to travel (except as

a result of the COVID-19 Specified Cause);

b) financial circumstances of Yours or a Family Member;

c) any business or contractual obligations of You or a Family Member;

d) financial default (whether full or partial suspension of operations due to

financial circumstances following a filing of bankruptcy) or failure to provide

promised services by a person, agency, tour operator or organisation with whom

You have made Your travel arrangements;

e) any loss that is covered by any other existing insurance scheme, government

programme or which will be paid or refunded by a hotel, carrier or travel agent

or any other provide of travel and/or accommodation;

f) any loss that will be paid, credited by a voucher or credit or refunded by a hotel,

carrier or travel agent or any other provider of travel and/or accommodation;

g) any claim due to any regulations or orders given by the government or relevant

authority of any country or group of countries on border closures of a country

(whether land, sea, airspace or designated striker control points); or

h) compensation for any air miles or holiday points You have used to pay for the

Overseas Journey in part or in full.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Section 37 – Travel Curtailment due to COVID-19

What Is Covered

If, during the Period of Insurance, while You are on a Journey, You are forced to

curtail or alter the itinerary of any part of a planned Journey, as the direct and

necessary result of any of the COVID-19 Specified Cause (as defined in Section 36)

which takes place during the Journey, We will pay You in respect of Curtailment

Expenses incurred up to the maximum Benefit specified in the Benefit Schedule,

subject to the terms and conditions of this Policy. This coverage is effective only if

this Policy is purchased before You became aware of any circumstances which could

lead to the disruption of a planned Journey.

Additional

Definition

Curtailment Expenses mean:

a) loss of deposits, advance payments for travel or accommodation or other

charges (excluding cost of the original travel ticket for returning to the Country

of Residence), which have not been and will not be used but become forfeited or

payable under contract;

b) any additional administrative expenses incurred where it is possible to amend

the original travel ticket; and/or

c) additional travel expenses (limited to economy return air travel) if it is not

possible to amend the original travel ticket as confirmed by the carrier/travel

operator and reasonable accommodation expenses resulting from Specified

Cause (as defined in Section 36).

What Is Not

Covered

In addition to Part 4 – General Exclusions, We will not pay under this Section for

any of the following:

a) any change of plans on Your part or that of any other person to travel (except as

a result of the COVID-19 Specified Cause in Section 36);

b) financial circumstances of Yours or a Family Member;

c) any business or contractual obligations of You or a Family Member;

d) financial default (whether full or partial suspension of operations due to

financial circumstances following a filing of bankruptcy) or failure to provide

promised services by a person, agency, tour operator or organisation with whom

You have made Your travel arrangements;

e) any loss that is covered by any other existing insurance scheme, government

programme or which will be paid or refunded by a hotel, carrier or travel agent

or any other provide of travel and/or accommodation;

f) any loss that will be paid, credited by a voucher or credit or refunded by a hotel,

carrier or travel agent or any other provider of travel and/or accommodation;

g) any claim due to any regulations or orders given by the government or relevant

authority of any country or group of countries on border closures of a country

(whether land, sea, airspace or designated striker control points); or

h) compensation for any air miles or holiday points You have used to pay for the

Overseas Journey in part or in full.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Optional Add-On Benefit

*You will not have any cover for the following benefits or for claims arising directly or indirectly from You

having booked or travel on a Cruise unless You have purchased this cover as shown on Your Certificate of

Insurance.

Section 38 – Cruise Pack (applicable to Overseas Return Journey only)

What Is Covered

a) Excursion Tour Cancellation

In the event that after You have purchased the excursion tour and during the

Journey, there is an unanticipated occurrence of:

a Strike, Riot or Civil Commotion; or

adverse weather; or

Natural Disasters; or

epidemic;

at the Destination of the scheduled excursion tour, and as a result that the

management of the Cruise tour/excursion tour operator cancelled the excursion

tour due to the events above; or the situation renders that the Cruise is unable to

dock any port (including tender port) for the excursion tour; or

Your (or Your Travel Companion’s) Confinement in a Hospital outside

Malaysia due to a direct and unavoidable result of Bodily Injury or Sickness

during the Journey; or

Your (or Your Travel Companion’s) unexpected death.

b) Excursion Tour Curtailment

In the event that the excursion tour is curtailed due to unanticipated occurrence

of:

a) adverse weather; or

b) Natural Disasters;

in a Journey during the Period of Insurance, and as a result that You must return

directly to the Cruise.

c) Cruise Re-route

In the event that an unanticipated occurrence during a Journey outside Malaysia

of:

a Strike, Riot or Civil Commotion; or

adverse weather; or

Natural Disasters; or

epidemic; or

Your (or Your Travel Companion’s) Confinement in a Hospital as a direct

and unavoidable result of Bodily Injury or Sickness which prevents You from

boarding the scheduled Cruise tour or from arriving the scheduled

Destination.

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Additional

Conditions

a) Where Your loss is a result of Your (or Your Travel Companion’s) Confinement

due to Bodily Injury or Sickness, it must be certified by a Physician rendering that

You are unfit to travel or as being a danger to Your or health.

b) Failure to obtain the certifications required by this condition precedent will result

in Us having no liability for Your loss which may otherwise have been covered

under this Section.

c) Our total liability for all losses under this Section, during the Period of Insurance

shall not exceed the Benefit amount as specified in the Benefit Schedule and

according to the type of plan stated in Your Certificate of Insurance.

Additional

Definitions

Cancellation Expenses mean loss of deposits, or charges for advance payments

for travel or accommodation or other charges which have not been or will not be

used, but which become forfeited or payable under contract.

Curtailment or Curtail means cutting short the Journey by early return to the

Cruise after arrival at the booked Destination Overseas as shown on the booking

invoice or ticket.

i) Curtailment Expenses mean:

loss of deposits, advance payments for accommodation or other charges

(excluding cost of the original travel ticket for returning to the Cruise), which

have not been and will not be used but become forfeited or payable under

contract;

ii) any additional administrative expenses incurred where it is possible to amend

the original travel ticket; or

iii) additional travel (limited to economy class fare) expenses if it is possible to

amend the original travel ticket as confirmed by carrier/travel operator and

reasonable accommodation expenses resulting from the reasons mentioned

above.

What We Will Pay

a) For Excursion Tour Cancellation, We will reimburse You in respect of

Cancellation Expenses up to the relevant Benefit amount as specified in the

Benefit Schedule and according to the type of plan stated in Your Certificate of

Insurance, subject to the terms and conditions of this Policy.

b) For Excursion Tour Curtailment, We will reimburse You in respect of Curtailment

Expenses incurred up to the relevant Benefit amount as specified in the Benefit

Schedule and according to the type of plan stated in Your Certificate of Insurance,

subject to the terms and conditions of this Policy.

c) For Cruise Re-route, We will reimburse the reasonable additional one-way

economy class transport expenses incurred by You to enable You to travel to the

next scheduled Cruise boarding port/scheduled Destination, up to the relevant

Benefit amount as specified in the Benefit Schedule and according to the type of

plan stated in Your Certificate of Insurance, subject to the terms and conditions

of this Policy.

What Is Not

Covered

Please refer to Part 4 – General Exclusions and Additional Exclusions under Sections

11 and 12.

This policy is underwritten by

Chubb Insurance Malaysia Berhad

Registration Number : 197001000564 (9827-A)

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Complaints

1. If You have any complaints in relation to Our services and/or matters relating to this Policy, You are

advised to contact Us at:

Chubb Insurance Malaysia Berhad

Registration Number : 197001000564 (9827-A)

Wisma Chubb

38 Jalan Sultan Ismail 50250 Kuala Lumpur

O +6 03 2058 3000

F +6 03 2058 3333

E Inquiries.MY@chubb.com

2. In the event You are not satisfied with Our decision, You can refer the matter to Ombudsman for Financial

Services (“OFS”) or Bank Negara Malaysia. You can contact them at:

PENGARAH

Jabatan LINK & Pejabat Wilayah Bank Negara Malaysia

P.O. Box 10922 50929 Kuala Lumpur

O 1 300 88 5465

F +6 03 2174 1515

E bnmtelelink@bnm.gov.my

Ombudsman for Financial Services Level 14 Main Block

Menara Takaful Malaysia

No. 4, Jalan Sultan Sulaiman 50000 Kuala Lumpur.

O +6 03 2272 2811

F +6 032272 1577

E enquiry@ofs.org.my

(for claim matters within OFS’s jurisdiction only)

, its respective logos and Chubb. Insured.

are protected trademarks of

Chubb. Published 02/2022

Privacy Notice

In line with the Personal Data Protection Act 2010 (“PDPA”), we are required to inform you that the personal

data you have provided to us or that is subsequently obtained by us from time to time, including your sensitive

personal data such as details about your health or condition, if any (“Personal Data”), may be processed for

the purpose of processing your insurance application/proposal, provision of insurance related products or

services or any addition, alteration, variation, cancellation, renewal or reinstatement thereof, performing

statistical/actuarial research or data study, promoting products and services and other related purposes

(collectively, “Purpose”). The Personal Data is obtained when you fill up documents; liaise with us or our

representatives; or give it to us or our representatives in person, over the telephone, through websites or from

third parties you have consented to.

Although you are not obliged to provide us with your Personal Data, we will not be able to process your

application for insurance cover or process your claim if you fail to provide all requested information.

Your Personal Data may be disclosed to our related company or any other company carrying on insurance or

reinsurance related business, an intermediary, or a claims, investigation or other service provider and to any

association, federation or similar organisation of insurance companies that exists or is formed from time to time

for the Purpose or to fulfil some legal or regulatory function or is reasonably required in the interest of the

insurance industry. In such instances, it will be done in compliance with the PDPA.

We may also disclose your Personal Data where such disclosure is required under the law, court orders or

pursuant to guidelines issued by regulatory or other relevant authorities, if we reasonably believe that we have

a lawful right to disclose your Personal Data to any third party or that we would have had your consent for such

disclosure if you had known of the same, and/or if the disclosure is in the public interest.

Your Personal Data may also be transferred to our related companies and third party providers, which may be

located outside Malaysia for the Purpose. In the event that we use external service providers, specific security

and confidentiality safeguards have been put in place to ensure your privacy rights remain unaffected.

Where you have given us personal data that is of another individual (“Data Subject”), you must ensure that

you have informed the Data Subject that you are providing the Data Subject's personal data to us, and have

gotten the Data Subject's consent to do so. You must explain what is stated here to the Data Subject, and ensure

he/she understands, agrees and authorises us to deal with his/her personal data according to what is stated

here.

You may make inquiries, complaints, request for access to or correction of your Personal Data, or limit the

processing of your Personal Data at any time hereafter by submitting such request to us at Chubb Insurance

Malaysia Berhad, Registration No : 197001000564 (9827-A), Manager, Customer Service Unit, Wisma

Chubb, 38 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia (Tel: 1800-88-3226 / E-mail:

Inquiries.MY@Chubb.com).

By continuing to deal with us, you understand, agree and consent to the terms above with respect to the

processing of your Personal Data.

About Chubb

Chubb is the world’s largest publicly

traded property and casualty insurer.

With operations in 54 countries and

territories, Chubb provides commercial

and personal property and casualty

insurance, personal accident and

supplemental health insurance,

reinsurance and life insurance to a

diverse group of clients. As an

underwriting company, we assess,

assume and manage risk with insight

and discipline. We service and pay our

claims fairly and promptly. The

company is also defined by its extensive

product and service offerings, broad

distribution capabilities, exceptional

financial strength and local operations

globally. Parent company Chubb Limited

is listed on the New York Stock

Exchange (NYSE: CB) and is a

component of the S&P 500 index. Chubb

maintains executive offices in Zurich,

New York, London, Paris and other

locations, and employs more than

30,000 people worldwide.

Chubb’s operation in Malaysia (Chubb

Insurance Malaysia Berhad) provides a

comprehensive range of general

insurance solutions for individuals,

families and businesses, both large and

small through a multitude of

distribution channels. With a strong

underwriting culture, the company

offers responsive service and market

leadership built on financial strength.

Chubb in Malaysia has an extensive

branch network and more than 2,600

independent distribution partners

(agents).

Chubb Insurance Malaysia Berhad

Registration Number : 197001000564

(9827-A)

(Licensed under the Financial Services Act

2013 and regulated by Bank Negara

Malaysia)

Wisma Chubb

Jalan Sultan Ismail

50250 Kuala Lumpur

Malaysia

O +6 03 2058 3000

F +6 03 2058 3333