Domestic Policy Wording

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  • .Master Policy Wording Effective 20 September 2017

    Domestic Policy Wording

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    Domestic Master Policy Wording .................................................................................................................................... 3Introduction ....................................................................................................................................................................... 3 - About The Available Covers ................................................................................................................................................................. 3 - Geographical Area Insured ................................................................................................................................................................... 3 - Your Policy And Premium ...................................................................................................................................................................... 3Table Of Benefits ............................................................................................................................................................... 4 About This Policy Wording .............................................................................................................................................. 5 - How To Take Out Your Policy ............................................................................................................................................................... 5 - Who Is Your Insurer .................................................................................................................................................................................. 5 - Who Is Cover-More .................................................................................................................................................................................. 5 - Jurisdiction And Choice of Law .......................................................................................................................................................... 5 - Language ..................................................................................................................................................................................................... 5Important Matters ............................................................................................................................................................. 5 - Who Can Purchase This Policy? .......................................................................................................................................................... 5 - Your Duty Of Disclosure ......................................................................................................................................................................... 5 - Your Period Of Cover .............................................................................................................................................................................. 5 - Extension Of Your Policy ....................................................................................................................................................................... 5 - Policy Cancellation ................................................................................................................................................................................... 6 - Cooling Off Period.................................................................................................................................................................................... 6 - Safeguarding Your Luggage And Personal Effects ..................................................................................................................... 6 - Privacy Notice ............................................................................................................................................................................................ 6 - Pre-existing Medical Conditions ......................................................................................................................................................... 6 - In The Event Of Hospitalisation Or Medical Evacuation Or Repatriation ........................................................................... 6 - You Can Choose Your Own Doctor.................................................................................................................................................... 6 - Notice Of Trust Or Assignment ........................................................................................................................................................... 6 - Limit Of Benefit Payable ........................................................................................................................................................................ 6Words With Special Meanings ......................................................................................................................................... 7Policy Benefits ............................................................................................................................................................................................... 8General Exclusions Applicable To All Sections ..............................................................................................................................16Claims .............................................................................................................................................................................................................. 17 - Claims Processing .................................................................................................................................................................................... 17 - How To Make A Claim ............................................................................................................................................................................ 17 - You Must Not Admit Fault of Liability .............................................................................................................................................18 - Exclusions ...................................................................................................................................................................................................18 - Claims Are Payable In Malaysia Ringgit To You ...........................................................................................................................18 - Fraud ............................................................................................................................................................................................................18 - You Must Help Us To Recover Any Money We Have Paid ........................................................................................................18 - If You Can Claim From Anyone Else, We Will Only Make Up The Difference ...................................................................18 - Other Insurance ........................................................................................................................................................................................18 - Customer Satisfaction ............................................................................................................................................................................18 - Procedure For Complaint To OFS .....................................................................................................................................................18 - Procedure For Complaint To CSB .....................................................................................................................................................19 - Arbitration ..................................................................................................................................................................................................19Contact Details .................................................................................................................................................Back Cover

    TABLE OF CONTENTS

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    DOMESTIC MASTER POLICY WORDINGThis Policy Wording, which serves to disclose the terms & conditions of the MHinsure Policy issued by Etiqa Insurance Berhad (9557T), with Assistance Services provided by Cover-More.

    To understand the significant features, benefits and risks of this policy we advise that you read the following:

    TABLE OF BENEFITS IMPORTANT MATTERS

    This contains important information on your duty of disclosure, extension of your policy, when you can choose your own doctor and when you should contact us concerning 24 hour medical assistance, hospitalisation or medical evacuation.

    WORDS WITH SPECIAL MEANINGS POLICY BENEFITS

    This sets out what We Will Pay as well as what We Will Not Pay for each benefit.

    GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS

    CLAIMS These set our certain obligations that you and we have. If you do not meet them we may be able to refuse to pay a claim.

    INTRODUCTIONABOUT THE AVAILABLE COVERS

    You can choose one of these plans:

    Basic Plan Value Plan Premier PlanEach plan is offered for Single Trip Coverage, which provides cover for one journey only within Malaysia, up to a maximum of 30 days.

    Cover under this policy applies only to you and those persons listed as covered on your certificate of insurance. Each plan is offered with the following options:

    Individual Coverage Provides cover for you and the persons travelling with you as covered in your ce