Insurans Kereta Tokio Marine Malaysia, 158-3-7 Kompleks Maluri, Jalan Jejaka, Taman Maluri, Kuala Lumpur (2026)

05/04/2022

AIG Overseas Travel Insurance Extend Covid 19 Cover
AIG Insurans Perjalanan Luar Negara Lanjutkan Perlindungan Covid 19
AIG 海外旅游保险添加延保 Covid 19
Arranged By
ACPG Management Sdn Bhd
ACPG WhatsApp Team +60126489838
http://wasap.my/+60126489838/AIGTravelinsurance

AIG Travel Insurance Policy
Now Includes COVID-19 Coverage
Travel Insurance
Feel safe knowing you're covered against COVID-19, trip cancellation and more.

AIG Travel Insurance Overview

No matter where your next holiday destination is, we’re here to keep you safe during your holiday.

We provide comprehensive travel insurance protection including COVID-19 coverage for you to fully enjoy your trip.

Our most popular features include

Overseas COVID-19 coverage such as Medical Expenses up to RM800,000, Quarantine Allowance and more.

Reimbursement up to RM10 million (including cashless hospital admission)

If your trip is cancelled due to covered events, we’ll reimburse up to RM30,000

Benefits
COVID-19 Coverage

In the event you are diagnosed with COVID-19, we will provide you COVID-19 coverage including Medical and Emergency Evacuation & Repatriation Expenses up to RM800,000, Travel Cancellation, Travel Curtailment and Quarantine Allowance benefits (applicable to Basic, Standard or Deluxe Plan only).

Medical Expenses (including cashless hospital admission)

If you are hospitalised due to accident or illness (excluding pre-existing conditions), we will cover the hospitalisation expenses incurred up to RM10 million. Our travel assistance team is on call by phone to provide you emergency travel assistance, ensuring you receive appropriate medical care.

Comprehensive coverage

We provide you with coverage for domestic and overseas medical expenses, trip cancellation, travel interruptions and delays, emergency medical expenses, medical evacuation costs and lost, damaged or delayed baggage.

Personal Accident cover

You can get lump sum payout up to RM500,000 if you suffer from an accidental death or permanent disablement during your trip.

Trip cancellation cover

Don't worry about the costs of transport & accommodation due to your trip cancellation. We’ll reimburse you the non-refundable expenses if your trip is cancelled due to specific events, within a specific time before your departure date.

Natural disasters

We will pay for travel inconveniences related expenses against natural disasters such as earthquakes, floods and volcano eruptions, occuring at the country of travel.

Our own global assistance service

We have a fast and efficient 24-hour Emergency Assistance Team available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

Travel Inconvenience

We provide you coverage for travel inconveniences such as travel delays, loss or damage to your personal belongings, fraudulent use of credit card, car rental excess charges and more.

* Coverage differs according to product & plan. Please refer to policy wording for full details of coverage and exclusions.

Quote & buy online, before your next trip!

For More information, pls contact

An Authorise Agency of AIG Insurance Malaysia
ACPG Management Sdn Bhd
WhatsApp Team +6012-6489838
HQ +603-92863323
www.acpgconsultant.com
www.insuranceomlinepurchase.com

02/09/2021

Tokio Marine Motor Insurance
Arranged By
ACPG Management Sdn Bhd
ACPG SME Whatsapp Team 011-12239838
http://wasap.my/+601112239838/TokioMarineCarinsurance

Tokio Marine September 2021 Stay Jimat 20% Promo
Tokio Marine Motor Insurance
Tokio Marine Motor Insurance Private Use and Commercial Use
With JPJ enforcing driving licence and road tax renewals by September 30, enjoy savings on your vehicle insurance like never before with campaign from Tokio Marine.
For the first time ever, save up to 20% off your Tokio Marine vehicle insurance premium with our campaign.

Grab this offer from 1 to 30 September 2021 by contacting ACPG Whatsapp Team 011-12239838 or visit our ACPG Agency office for full terms and conditions.

Tokio Marine Motor Insurance Authorized Agency Office
ACPG Management Sdn Bhd (Insurace Biz Since Year 1989)
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
http://www.acpgconsultant.com
+603-92863323
+611-12239838
+6012-6489838
+6017-3183811

15/03/2021

Property Building Insurance
Online Enquiry via Whatsapp +6011-12239838
ACPG WhatsApp Team
http://wasap.my/+601112239838/PropertyBuildinginsurance

Malaysia Property Building Insurance Policy
Malaysia Houseowner Insurance Policy
Malaysia Householder Insurance Policy
Malaysia Home Insurance Policy
Malaysia House Insurance Policy
Malaysia Fire Insurance Policy
Malaysia Home Content Insurance Policy
Arranged by
ACPG Management Sdn Bhd
www.acpgconsultant.com
+603-92863323
[email protected]

Please find out more information at our link as below:
http://acpgconsultant.com/main/3143/index.asp?pageid=122526&t=malaysia-house-and-home-content-insurance%2C-malaysia-robbery-insurance%2C-malaysia-theft-insurance%2C-malaysia-household-insurance%2C-home-system-insurance%2C-malaysia-jewellery--personal-value-insurance

ENSURE YOUR HOME INVESTMENT IS ADEQUATELY PROTECTED
Kuala Lumpur, 10 January 2014- Five years ago,
Ali had invested most of his savings to purchase a RM250,000 home and sank another RM60,000 to furnish his home.

To facilitate the purchase, he has taken an 80 per cent housing loan from a local bank. As one of the bank requirements is to buy a fire insurance to cover the amount of the loan, Ali let the bank decide on the value and the insurance company.

Unfortunately, many of us like Ali are unaware whether we have bought adequate cover for our home investment and whether we have taken up the appropriate insurance covers that best meet our needs and requirements.

To help us in our decisions, it would be best to understand the different types of property insurance covers that are available to us and under what circumstances can we be underinsured.
Types of property insurance
In Malaysia, there are three types of property insurance covers available for house owners to select from:
• Fire insurance
• Houseowners' Insurance
• Householders' Insurance or content insurance
Fire insurance is designed to provide protection against material damage to properties such as buildings, contents such as household equipment, fixtures and fittings.

The policy covers the loss or damage caused by fire and lightning or damage caused by explosion of domestic boilers or gas used for domestic purposes. However, the policy may be extended to cover other perils such as:-
1. Riot and strike
2. Malicious damage
3. Aircraft damage and articles dropped therefrom
4. Impact damage (excluding own vehicle)
5. Bursting and/or over flowing of water tanks, apparatus and pipes
6. Earthquakes, volcanic eruption, hurricane, typhoon, cyclone, windstorm
7. Flood
8. Subsidence and Landslip

The Houseowner's Insurance cover is a comprehensive insurance policy specially designed for owners of residential properties.

It covers the building against loss or damage caused by all the perils covered by the fire policy except riot, strike and malicious damage and subsidence and landslip, except as a result of earthquake and volcanic eruption.
In addition, the policy also covers:
1. Theft but only if accompanied by actual forcible and violent entry
2. Loss of rent if building is damaged and rendered uninhabitable
3. The insured's liability to the public in respect of bodily injury and damage
This policy may also be extended to cover:
1. Riot, strike and malicious damage
2. Subsidence and landslip

The Householders' Insurance cover is almost identical to Houseowners' Insurance, but the protection is meant for the contents and not for the building.
This policy would also be appropriate to renters as the landlord's policy only covers the building and not the possessions of the renters.
While it is true that one of the basic principles of insurance is indemnity i.e. one should not profit from an insurance claim, insurers have introduced the Reinstatement/Replacement Value Clause to meet the needs of consumers to conveniently replace or reinstate loss or damaged properties covered under a fire, houseowner or householder policy.
The clause provides payment of claim due to an insured peril without deduction for depreciation for age or wear and tear.
In other words, the full cost of repairs or replacement will be met subject, of course, to the condition that the sum insured of
the properties is adequate to cover the total cost of repairing or reinstating the building or insured properties at the time of the loss.
If the properties are underinsured, the insured will be compensated only in the proportion of the sum insured to the actual value applied to the full repair or replacement cost. In insurance terminology, the insurer is applying the principle of 'average' when this takes place.
Ways you can be "underinsured"......................

You have underinsured on your property insurance if:-
The insured value of your house is less than the market value or rebuilding cost of the house, excluding the cost of land.
Current insurance policy does not reflect increases for inflation.
If you have not taken into account and reported any recent renovations or improvements to your home over the years (such as an additional room or remodelled kitchen, etc.) thus adding to the insured value.

You have not taken a periodic inventory of all your possessions. When renewing your householders' insurance, it is advisable to take an inventory of all your possessions. This list will adequately reflect how much coverage is needed to replace all the contents in your home.
You may also be "underinsured", if you did not take up additional coverage for valuable items such as artwork, jewellery, antiques or collectibles.
For this instance, an 'All Risks' insurance policy can be effected to cover the valuables on an indemnification or more usually on an 'agreed value' basis against any loss or damage. The 'All Risks' cover has a list of specified exclusions.
Most insurers will demand a valuation before agreeing to insure any items of high value.
To avoid being under-insured, a yearly review of your property and possession should be done before renewing your policy to ensure adequate coverage.
On the other hand, take into account any depreciation cost to your householder items as you do not want to pay more than necessary.
If you have a claim, the more information you have about the damaged items -- a description of each item, the date of purchase and purchase price -- the faster the claims can be settled.
Please send your questions on general insurance to:
[email protected]

Malaysia Insurance Services, Malaysia General Insurance, Malaysia Commercial Insurance, Malaysia Property Insurance, Malaysia Medical Insurance
Arranged by
ACPG Management Sdn Bhd
Malaysia Largest General Insurance Risk Management Solution Provider since year 1989.
ACPG Careline +603-92863323, 011-12239838
[email protected]
www.acpgconsultant.com
www.facebook.com/acpg.management

14/12/2020

医药卡的秘密，你真的了解医药卡吗？
分享来自
马来西亚医疗保险机构 (MMI)
马来西亚值得信赖，经验丰富及规模最大的医疗和健康保险业务方案服务提供组织
Malaysia Medical Insurance Organization (MMI)
Your Trusted Malaysia Medical Insurance Risk Management Advisory Provider.
Malaysia Medical Insurance Organization (MMI)
Head Office,
158-3-7, BLOK 158, KOMPLEKS MALURI,
JALAN JEJAKA, TAMAN MALURI,CHERAS,
55100 KUALA LUMPUR, MALAYSIA.
MMI careline +603-92863323
[email protected]
www.medicalinsurance.com.my

在疾病年轻化，医疗费越见高昂的现代社会，没有一张医药保险（俗称医药卡）傍身的人少之又少。

投保前问清楚讲明白
（一）保障范围投保前应了解什么事项和疾病受保什么不受保，例如滥用毒品、爱滋病、战争都不受保，以乳癌为例，若属原位癌（零期未扩散），传统医药卡不理赔，但新款医药卡和疾病险却纳入受保范围，以保诚为例，尽管原位乳癌不属36种严重疾病险的受保范围，但女性保单则理赔。

保险公司只为突发疾病提供保障，一些非必要支出如astro费、报纸、医院迎宾小礼物、女佣在医院里的床位，以“检查为目的”的健康检查（例如头痛进院检查时，叫医生“顺便”从头到脚检查一遍），保险公司不负责买单。尽管了解这些细节并非易事，但鼓励保客事前问清楚，就诊前也应向医生确认，以后日后引发争执和投诉。

（二）有关医药卡是否医药费分摊这是指保客必须和保险公司分担一小部分的住院与医药费用：大多数医药卡都明订Co-Insurance条例，即保客负责分担10%的住院费用，或最少需分担300令吉，最高1000令吉的医药费，余下的住院与医药费才由保险公司承担。

（三）等待期限的长短等待期限依保单和保客情况从30天至120天不等。除了突发意外事件不受约束，一般疾病通常须过了等待期限，才能向保险公司索赔，此举是为了避免消费人在已患病或健康亮红灯情况下，先行投保才就医。此外，投保前已有病例条例则阐明，不为原已存在的病况提供保障。

对医卡错误观念
（一）公司为我投保，省下一笔。
大部分企业都会为雇员投保，有些雇员就想：“既然公司为我投保，能省则省，我不用买。”其实，不论公司是否提供这项福利，消费人都应自掏腰包买一张医药卡。

即使已结婚都有可能离婚，更何况是离职或者辞职？当雇员因故无法为公司效力或离职，便失去医药保障。
因为保险保的是某某公司雇员，当你已经不是某某公司雇员，谁来帮你出医药费？这时才想要买医药卡？对不起，你已患病在身（尤其患上癌症），成为保险公司的拒绝往来户，侥幸受保也必须缴付额外费用。

再者，公司可能因故暂时停止缴费（没有告知员工），员工却在这期间发生事故，后果可想而知。

（二）指定医院和付费
许多保客以为只有到指定医院就诊，保险公司才会给付，事实却非如此。不管是指定或非指定医院，保险公司都会负责，差别在于（1）到指定医院可免付费就诊，（2）到非指定医院，保客须代垫医药费，再向保险公司索费。

（三）钱丢进大海
保客总有“买医药卡没有做索偿，等同于把钱丢进大海”的心态。难道买汽车保险是希望发生车祸？同样的道理，医药卡只是为了以防万一，有需要时不必动用自己的储蓄和血汗钱。
医药卡必知

（一）每年检视保单
人生不同阶段有不同目标和责任，消费人应善用保险代理员提供的免费咨询服务，每年检视保单并适时调整，像手机、电脑之类的设备，大家都会定期更新，保单也应该如此，很多保单是多年前购买的，现在的产品推陈出新，消费人可以检讨看看有没有需要追加。

（二）凑钱为父母投保
乐龄人士的医药卡保费不便宜，却又是患病的高风险群，这里建议为人子女者，可凑钱合力为父母购买。
你说你爱你的父母，万一父母发生事情，你能袖手旁观吗？万一发生事情，若孩子没能力承担，至少保险公司有能力，由保险公司来负责。

（三）各别购买医药卡
全家受保的医药保险尽管收费较低廉，却有限制。
例如家庭保险只为21岁以下子女提供保障。当子女年届21岁想要个别投保，或有可能因早前身体状况不佳而有被保险公司拒保的风险。
另外，由于可索赔限额由家庭成员共享，若家中有一人以上患病，可能会不敷使用。
如果够用的就没问题，不够用时怎么办？因此这里主张每个家庭成员拥有各自的医药卡。

（四）向专业保险代理员投保
市面上有中间人保险公司以会员制方式出售保险产品，其缺点是购买者并非直接对保险公司，或有可能遭遇缺乏保证续保或沦为孤儿保单（没有代理人服务）的风险。
其区别方式是填写保单申请时，注意公司抬头是保险公司或者是该中间人保险公司。他呼吁消费人直接向保险公司的代理员投保。

Malaysia Medical Insurance Organisation (MMI)
马来西亚医疗保险机构（MMI）
ACPG 集团和联营团队成员
MMI 服务热线：+603-92863323, +6011-12239838.
[email protected]

Type of Insurance Solution Services :
Individual, Group Workers and Employees Benefits
Medical Insurance coverage,
Health Insurance coverage,
Medical Care Insurance coverage,
Medical Card Admission Benefits insurance coverage,
Hospitalisation Insurance coverage,
Surgical fees and Anesthetist fees Insurance coverage,
Specialist Consultant, Surgeon and Physician expenses Insurance coverage,
Accident Income Insurance coverage,
Accident Disablement Insurance coverage,
Accident Medical Expenses Insurance Accidental Insurance coverage,
Traveling Medical Expenses Insurance coverage,
Traveling Accident Expenses Insurance coverage,
Disablement Insurance coverage,
Dread Disease Insurance coverage,

Malaysia Life and General Insurance Business Directory
1) American International Assurance Bhd
2) Etiqa Insurance Berhad
3) ING Insurance Berhad
4) MCIS Zurich Insurance Berhad
5) Prudential Assurance Malaysia Berhad
6) Zurich Insurance Malaysia Berhad

Life Insurance Business Only
1) AXA Affin Life Insurance Berhad
2) Allianz Life Insurance Malaysia Berhad
3) AmLife Insurance Berhad
4)
5) Great Eastern Life Assurance (Malaysia) Berhad
6) Hong Leong Assurance Berhad
7) Manulife Insurance Berhad
8)Tokio Marine Life Insurance Malaysia Bhd
9) Gibraltar BSN LifeBerhad

General Insurance Business Only
No.
01) Chubb Insurance Berhad
02) AIG Malaysia Insurance Berhad
03) AXA Affin General Insurance Berhad
04) Allianz General Insurance Company (Malaysia) Berhad
05) AmG Insurance Berhad
06) Berjaya Sompo Insurance Berhad
07) Etiqa General Insurance Berhad
08) Kurnia Insurans (Malaysia) Berhad
09) Lonpac Insurance Berhad
10) MSIG Insurance (Malaysia) Berhad
11) Multi-Purpose Insurans Berhad
12) Great Eastern General Insurance (Malaysia) Berhad
13) Pacific Orient Insurance Co. Berhad
14) The Pacific Insurance Berhad
15) Progressive Insurance Berhad
16) QBE Insurance (Malaysia) Berhad
17) RHB Insurance Berhad
18) Tokio Marine Insurans (Malaysia) Berhad
19) Tune Insurance Malaysia Berhad
20) Liberty General Insurance Berhad

11/12/2020

Renew your Car Insurance and Roadtax Online
Via WhatsApp 011-12239838

Dear Customers,

Need help to renew your motor insurance during the Condition Movement Control Order (CMCO) period?

ACPG is here to support you so that you can and only go out for essential business or chores.

During this CMCO period, renewal of expiring road tax and car insurance policy are NOT exemption by the Ministry of Transport.

That means if you have an expired road tax, you are NOT ALLOW drive out , We assist you to have valid motor insurance policy coverage and Roadtax online.

Contact ACPG today!

WhatsApp To us 011-12239838

ACPG Management Sdn Bhd
www.acpgconsultant.com
www.insuranceonlinepurchase.com
012-6489838
017-3183811

Memperbaharui insurans kenderaan
WhatsApp 011-12239838

Pelanggan yang dihormati,

Perlukan bantuan untuk memperbaharui insurans kenderaan anda semasa dalam tempoh Perintah Kawalan Pergerakan (PKPB)?

ACPG sedia membantu agar anda dapat dan hanya keluar untuk urusan atau tugas yang penting.

Hubungi ACPG anda hari ini!

ACPG Management Sdn Bhd
www.acpgconsultant.com
012-6489838
017-3183811

更新汽车保险
WhatsApp +6011-12239838

亲爱的客户，

您是否在CMCO 行动管制令期间需要更新汽车保险呢？

ACPG 保险代理公司正为您提供不间断的服务，以便让您与家人安心留在家。

在CMCO 行动管制令期间，交通部没有豁免更新路税和车险。这意味着，任何拥有过期路税的人士都不可以开车上路，条件是路税与车险保单必须有效。

欲知详情，
立即联络 ACPG 保险代理公司！

WhatsApp +6011-12239838

更新车险代理公司
ACPG Management Sdn Bhd
www.acpgconsultant.com
012-6489838
017-3183811

09/12/2020

Cara Bayar Kurang Untuk Pembaharuan Insurans Kereta Anda
Dapatkan Quote Online Via Whatsapp 011-12239838

Bandingkan Kutipan Motor Insurans anda daripada 15 Syarikat Insurans
Insurans Kereta AIG
Insurans Kereta Allianz
Insurans Kereta AXA
Insurans Kereta AmGeneral
Insurans Kereta Berjaya Sompo
Insurans Kereta Chubb
Insurans Kereta Etiqa Takaful
Insurans Kereta Kurnia
Insurans Kereta Lonpac
Insurans Kereta MSIG
Insurans Kereta Pacific
Insurans Kereta RHB
Insurans Kereta Takaful Malaysia
Insurans Kereta Tokio Marine
Insurans Kereta Zurich

Insurans Kerata Pembelian Online.
Diatur oleh
ACPG Management Sdn Bhd (ACPG)
Pengalaman Insurans 31 Tahun
Insurans Biz Sejak Tahun 1989.
+603-92863323
+6011-12239838
+6012-6489838
+6017-3183811

如何为您更新汽车保险支付更少的费用
比较15家保险公司
Whatsapp 011-12239838
http://wasap.my/+601112239838/RenewMotorinsuranceQuote
通过Whatsapp 011-12239838 更新汽车保险
AIG 汽车保险
Allianz 汽车保险
AmGeneral 汽车保险
AXA 汽车保险
Berjaya Sompo 汽车保险
Chubb 汽车保险
EtiqaTakaful 汽车回教保险
Kurnia 汽车保险
Lonpac 汽车保险
MSIG 汽车保险
Pacific Insurance 汽车保险
RHB 汽车保险
Takaful Malaysia 马来西亚汽车回教保险
Tokio Marine 汽车保险
Zurich 汽车保险
汽车保险和路税更新服务
所有保险服务
更新汽车保险和路税服务 Whatsapp 支援
011-1223 9838
012- 648 9838
017- 318 3811
ACPG Management Sdn Bhd
ACP集团公司（ACPG）
自1989年保险业务（超过30年）

How To Pay Less For Your Motor Insurance Renewal
- Get Quote Online Via Whatsapp 011-12239838

Compare your Motor Insurance Quote from 15 Insurance Companies
AIG Motor Insurance
Allianz Motor Insurance
AXAMotor Insurance
AmGeneral Motor Insurance
Berjaya Sompo Motor Insurance
Chubb Motor Insurance
Etiqa Takaful Motor Insurance
Kurnia Motor Insurance
Lonpac Motor Insurance
MSIG Motor Insurance
Pacific Motor Insurance
RHB Motor Insurance
Takaful Malaysia Motor Insurance
Tokio Marine Motor Insurance
Zurich Motor Insurance

Visit www.insuranceonlinepurchase.com for Online Purchase Motor Insurance.
Arranged By
ACPG Management Sdn Bhd (ACPG)
31th Year Insurance Experience
Insurance Biz Since Year 1989.
#更新汽车保险

Insurans Kereta Tokio Marine Malaysia

05/04/2022

02/09/2021

15/03/2021

14/12/2020

11/12/2020

09/12/2020

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