MSIG Overseas Student Insurance

MSIG Overseas Student Insurance

MSIG’s Overseas Student Insurance is a 24-hour worldwide plan that will compensate you for injuries, disability or death caused by accidental means, and expenses incurred for Emergency Medical Evacuation.

It is specially designed for students between the age of 16 to 55 years and studying abroad at an overseas Educational Institution.

There are 2 plans you can choose that suit your needs.

Benefits of  MSIG Overseas Student Insurance

Personal Accident – Death/Permanent Disablement

Covers death, loss of limbs or sight or permanent total disablement due to accidents anywhere in the world.

Emergency Medical Evacuation (overseas only)

• Transportation to nearest hospital or repatriation when medically appropriate
• Air/Surface evacuation
• Repatriation or transportation of mortal remains
• Arrangement and payment of compassionate visit
• Accommodation expenses for compassionate visit

Cancellation Prior to Departure

Cover you for pre paid tuition fees which are not liable for refund by the Education Instuite if your trip is unavoidably cancelled before departure in the event of

• Your death of any immediate family member
• Your/your immediate family confinement in a hospital due to bodily injury or terminal sickness

24/7 Emergency and travel assistance

• Hospital admission
• Emergency medical evacuation
• Compassionate visit
• Medical service provider referral
• Lost/Stolen baggage or travel document
• Visa requirement
• Inoculation info

Optional cover

Personal Liability – Third Party Bodily Injury/Property Damage

Indemnify all sums that you are legally liable occurring outside of Malaysia

• accidental bodily injury or sickness of another person
• accidental loss or damage the the property of another person

Baggage and Personal Effects

Cover cost of repair to damaged baggage or loss of your personal effects as a fare paying passenger on a common carrier.

Medical Expenses for Injury

Reimburse you medical expenses incurred resulting from injury while overseas or on visit to Malaysia.

If you suffer’s an injury while oversea or visiting Malaysia, the medical expenses incurred oversea within 90 days of that injury will be payable. Both incidences must fall within the Period of Insurance.

Study Interruption

In the event that you are prevented from continuing your studies at the Educational Institution, MSIG will reimburse you for Semester’s Tuition Fee paid in advance because of:

• Your hospitalisation for more than one consecutive month due to an injury;
• Your terminal sickness;
• Your medical repatriation;
• The death of your immediate family member.

Temporary Accommodation

If your lodging has been rendered uninhabitable as a result of fire, flood, earthquake, etc, you are covered for the cost of temporary accommodation for up to a limit of the Plan applied for.

This is a Cash before cover policy. The insurance shall not be effective unless premium payable has been paid.

Thank you for your support.

Individual PA Partners

Individual PA Partners protects proposer against accidental death, permanent disablement, incurrence of medical, rehabilitation and bereavement expenses and more, through comprehensive coverage benefits. On top of that, TMIM PA Partner also includes renewal bonus benefits, double indemnity and optional personal liability features for added value.

SCOPE OF COVER

• Accidental Death
• Permanent Disablement
• Medical Expenses
• Ambulance Fees
• Bereavement Allowances
• Hospital Income
• Repatriation Expenses
• Rehabilitation Allowance
• Travel Allowance
• Renewal Bonus
• Double Indemnity
• Personal Liability

Individual Partner Personal Accident insurance protects proposer 24 hours a day, 365 days a year, anywhere in the world for death or bodily injury caused by accidental means such as (but not limited to) the following:

• Fire, explosions and natural perils
• Murder and unprovoked assault
• Strike, riot and civil commotion
• Hijacking (excluding Terrorism)
• Most amateur sports activities (subject to policy exclusions)
• Disappearance and exposure to elements
• Intoxication by liquor
• Intoxication by drugs (prescribed by doctors)
• Harmful insects (excluding diseases transmitted by such insects), snakes and animal bites
• Food and drink poisoning
• Motor-cycling as a rider or a pillion rider (excluding whilst engaging in racing, pace making speed contest reliability trials), provided that it is a condition precedent to liability that you wear an approved crash helmet
• Gas Inhalation
• Electrocution
• Air travel as a fare paying passenger in any aircraft licenses passenger service on scheduled or unscheduled flights (subject to policy exclusions)
• Drowning

Personal Liability (optional and subject to additional premium) This section indemnifies you against all sums which you shall become legally liable to pay in respect of :

• accidental bodily injury to any third party and/or
• accidental loss of or damage to third party’s property

occurring within Malaysia or elsewhere in the world where it is permitted to travel by the Government of Malaysia for temporary visits during the period of insurance

Individual PA Partner

• Age Limit : 16 to 65 years old

Choice of 5 affordable plans to choose from with 24/7 protection anywhere in the world

To make an appointment or question, please

Email to: opulence.consultancy@gmail.com
SMS or Call:  +6012 2098986      

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Ladies Lifestyle Protection Insurance Case Study

Breast cancer survivor

MSIG’s Ladies Lifestyle Protection Insurance is an insurance plan exclusively for ladies and offers peace of mind by providing protection for health conditions of particular concern to the fairer gender.

Ladies Lifestyle Protection provides lump sum payment up to the Sum Insured if you are diagnosed as having a specified critical illness and survive for at least 14 days after diagnosis.

Case Study

At 43, Jennifer is happily married with 2 little girls. She was diagnosed with Stage 2 breast cancer. She underwent a mastectomy as recommended by her doctor and went through the cycles of chemotherapy & radiotherapy sessions. She has been cancer-free so far.

“I enjoy my life even more now and what I have learnt is

• Care for your health and plan your finances ahead of time
• Illness does not affect the patient alone. It affects the whole family
• 1 in every 19 Malaysian women gets breast cancer
• Survival rate is high and cost of surviving is equally high
• It’s also not just about surviving, it’s also about the ability to ensure the family’s lifestyle continues.

Not only do we need to worry about the financial responsibilities but it is important to us that our kids lifestyle are not too drastically affected. So yes, I am glad to have purchased MSIG’s Ladies Critical Illness policy when it was recommended our insurance adviser.

The extra RM100,000 came in handy to complement our medical and other insurance plans and as well provide for the loss of income and extra home help we needed most. There are also medical aids we bought. It also helped us to have a short family holiday, which we really needed with the kids.

Thank you for giving me more time with my family. I will treasure every moment”.

Consider this

• Do you think you will survive more than 14 days if you are unfortunate victim of a critical illness?
• Do you have RM100,000 ready cash as emergency funds?
• If yes, how long did it take you to save that RM100,000?
• If you need emergency funds, where would it come from?

For Jennifer’s case her annual premium was RM885 for a RM100,000 cover. The insurance premium qualifies for yearly Medical Insurance Tax Relief.

Lady Lifestyle Benefits and Annual Premium

contact us

To make an appointment or question, please

Email to: opulence.consultancy@gmail.com
SMS or Call:  +6012 2098986

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Ladies Lifestyle Protection Insurance

MSIG’s Ladies Lifestyle Protection Insurance is an insurance plan exclusively for ladies and offers peace of mind by providing protection for health conditions of particular concern to the fairer gender.

You have worked hard to achieve a comfortable lifestyle, it can be devastating to have everything taken away by critical illness or a serious accident. With early treatment and modern medicines, you can survive critical illness. However, the cost of surviving can be higher than sudden death because treatment, hospitalisation and professional care are expensive. This is where MSIG Ladies Lifestyle Protection Insurance can help you.

Ladies Lifestyle Protection Insurance cover 28 Major Critical Illness 

Ladies Lifestyle Protection Insurance provides lump sum payment up to the Sum Insured if you are diagnosed as having a specified critical illness and survive for at least 14 days after diagnosis.


Critical Illness (28 types)

• Cancer
• Stroke
• Heart Attack
• Coronary Artery Bypass Surgery
• Kidney Failure
• Parkinson’s Disease
• Multiple Sclerosis
• Motor Neuron Disease
• Paralysis/Paraplegia
• Terminal Illness
• Loss of Hearing
• Loss of Independent Existence
• Complete Liver Failure
• Loss of Limbs
•  Muscular Dystrophy
• HIV Resulting from Blood Transfusion
• Aorta Valve Surgery
• Heart Valve Surgery
• Major Organ Transplant(s)
• Blindness
• Alzheimer’s Disease
• Coma
• Loss of Speech
• Major Burns
• Encephalitis
• Pulmonary Hypertension
• Benign Brain Tumour
• Accidental Head Injury Resulting in Major Head Trauma

In addition to the critical illness cover, this product is also a 24-hour worldwide plan that will compensate you for injuries, disability or death caused by accidental means.

To make an appointment or if you have any question, please
Email: opulence.consultancy@gmail.com
SMS or call: +6012 2098986

Optional Cover for lady lifestyle maternity risks

Lady Lifestyle Benefits and Annual Premium

Case Study

At 40, Jennifer is happily married with 2 little girls. She was diagnosed with Stage 2 breast cancer. She underwent a mastectomy as recommended by her doctor and went through the cycles of chemotherapy & radiotherapy sessions. She has been cancer-free so far.

Read more > Jennifer’s insights

To make an appointment or question, please

Email to: opulence.consultancy@gmail.com
SMS or Call:  +6012 2098986      

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https://www.facebook.com/myBusinessInsurance

Biz Pack Partner for Office and Services - Comprehensive Business Insurance

 Biz Pack Partner for Office and Services - Comprehensive Business Insurance

To every successful businessman or entrepreneur, your business is your pride and achievement for all the hard work and investment put into it. Your business could be located in an exclusive business district but there is always the possibility of unforeseen circumstances or events that may disrupt, undermine or destroy it. You would therefore need to protect it and safeguard your assets against such eventuality. 

Appreciating this need, Tokio Marine as a responsible and caring insurance partner has drawn up a Comprehensive Service Package Policy-Office & Services Biz-Pack Partner Policy to protect you from 10 potential elements that can disrupt your business to give you needed peace of mind. This policy is affordable and you can select the Sum Insured according to your needs.

1. Fire and Special Perils

This Section provides you with coverage for your property against loss or damage by fire or lightning. You may extend coverage for extended perils by paying additional premium.

   

2. All Risks (excluding laptop, notebook, palm-top & mobile phone) 

This Section provides cover against loss or damage to your property caused by fire, theft or any other accident or misfortune whilst contained in the premises.

   

3. Burglary & Armed Robbery (including Hold-Up)

This Section provides cover against loss or damage to your property caused by theft consequent upon actual forcible and violent entry into your premises including the risk of armed robbery and/or hold up.

 

4. Money

This Section provides cover for money lost, destroyed or damaged whilst in transit or kept in your premises.

 

5. Plate Glass

This Section provides cover when the fixed glass in your premises is/are accidentally damaged.

   

6.     Public Liability

This Section provides cover against all sums which you may become legally liable to pay compensation to any third party in respect of:

i) bodily injury or illness to any person

ii) loss or damage to property

as a result of an accident arising out of your negligence in connection with your business in the premises.

 

7. Employer’s Liability

This Section provides cover against liability at law to pay compensation to your employee(s) in respect of accidental bodily injury or illness sustained whilst in the course of employment.

   

8. Fire Consequential Loss

This Section provides you with coverage for loss of profits, revenue, rental, standing charges, wages or salaries on payroll basis and increase in cost of working due to business interruption as a result of fire and/or other extended perils. You may extend to cover Loss of Profit following an event which prevents or hinders access to your premises provided Prevention of Access is extended and subject to an additional premium.

   

9. Fidelity Guarantee 

This Section provides cover against any direct pecuniary loss you may sustain through act(s) of dishonesty by your employee(s) such as act(s) of forgery, embezzlement, larceny or fraudulent conversion. The coverage is not limited to loss of monies but also covers loss of real property and merchandise (stock-in-trade) belonging to you.

 

10.   Group Personal Accident

This Section provides 24-hours worldwide cover to you and your employees against death or permanent disablement or medical expenses due to an accident.

Coverage Plans to suit your business needs

Office & Services Rating Table

To make an appointment or question, please

Email to: opulence.consultancy@gmail.com
SMS or Call:  +6012 2098986      

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Auto Partner Motor Insurance Claim Guideline

Auto Partner Motor Insurance Claim Guideline

INSURED TO DO

1. Contact our Auto Partner Hotline No. 03 2716 8981 or Toll Free Line 1-800-88-1301 for tow truck services.
2. Report the accident to the Police immediately or within 24 hours;
3. Send the damaged vehicle to TMIM’s Panel Workshop of your choice for repairs;
4. Notify the loss or damage to TMIM at Tel. No.03 2026 9875 or our Branch Officer at the contact number provided as soon as possible
5. and obtain Claim Form for completion and return with the requisite documents;
6. Do not admit liability or make any offer to Third Party;
7. Forward all correspondence/notice of claim from Third Party unanswered to Insurers immediately;

DOCUMENTATION REQUIRED

OWN DAMAGE

• Completed Claim Form;
• Police Report;
• Estimate of repairs;
• Photocopy of Driver’s Identity Card or Passport and Driving License;
• Photocopy of Insured’s Identity Card or Passport and Driving License;
• Photocopy of Registration Card (both sides) and Road-tax disc;

OWN DAMAGE KFK (No Fault)

• Completed Claim Form;
• Signed Declaration Letter;
• Police Report;
• Third Party’s Police Report;
• Police investigations/outcome report/compound on the party at fault;
• Identity/name of third party’s Insurer (copy of insurance policy if any);
• Completed Claim Form;
• Estimate of repairs;
• Photocopy of Driver’s Identity Card or Passport and Driving License;
• Photocopy of Insured’s Identity Card or Passport and Driving License;
• Photocopy of Registration Card (both sides) and Road-tax disc.

WINDSCREEN DAMAGE

•  Completed Claim Form;
• Photographs of the damaged windscreen (close-up) and full view of vehicle showing registration number before and after repair;
• Photocopy of Registration Card;
• Photocopy of Insured and Driver’s Identity Cards or Passports and Driving Licenses;
• Replacement Bill/Receipt.

THEFT / TOTAL LOSS

• Completed Claim Form;
• Police Report;
• Original Registration Card;
• Original Policy and Certificate of Insurance;
• Legible copy of the hire purchase agreement;
• Photocopy of Insured and Driver’s Identity Cards or Passports and Driving Licenses;
• Full set of keys to vehicle;
• JPJ K3 form duly signed by Insured (rubber stamp if under business company name);
• Duly signed JPJ Lampiran A ’1’ – Letter of Indemnity;
• Duly signed Lampiran B – Borang Akuan;
• Letter of Release from hire purchase or finance company if applicable;
• Certified copy of Memorandum & Article of Association (for limited company).

 

THIRD PARTY PROPERTY DAMAGE/THIRD PARTY BODILY INJURY

• Completed Claim Form;
• Police Report;
• Police sketch plan with key;
• Photocopy of Insured and Driver’s Identity Cards or Passports and Driving Licenses;
• Photocopies of Registration Card and Road Tax Disc;
• Correspondence or notice of claim from Third Party claimant/solicitors.

To make an appointment or question, please

Email to: opulence.consultancy@gmail.com
SMS or Call:  +6012 2098986      

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Newly Enhanced Biz Pack Partner for Retail Shops, Restaurants, Cafe

 Newly Enhanced Biz Pack for Retail Shops, Restaurants and Cafes

Why do YOUR Business need this cover

Coverage Plans

Rating Table

Additional Perils to Cover

To make an appointment or question, please

Email to: opulence.consultancy@gmail.com
SMS or Call:  +6012 2098986      

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Motor Assist

If an accident occur, check and make sure everyone is ok first.

Always send your car to your insurance company's panel workshops.

All towing is cover by your insurance company, 
so call insurance company motor assist.
Do not let any tow truck to tow away 
your vehicle. Please get the number
and write it on your certificate of insurance.

Stickers are available too.

Call 012 2098986 or email to opulence.consultancy

for more info or to arrange for an appointment.

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