Motor
Motor insurance is a compulsory class of insurance for all vehicles licensed to be used on public roads, as per the Road Transport Act 1987. Motor insurance is a Tariff class and is governed by the rules and regulations stipulated in the Motor Tariff issued by Persatuan Insuran Am Malaysia (PIAM). Types of Policies
Comprehensive Cover
This Policy provides insurance against liabiliti
es to other parties for death or bodily injury, damage to other parties' property, and accidental or fire damage to your vehicle or theft of your vehicle. Third Party Fire and Theft Cover
This policy insures you against liabilities to other parties for death or bodily injury, damage to other parties' property, fire damage to your vehicle or theft of your vehicle. Third Party Cover
This Policy isures you against claims for death or bodily injury caused to other parties and damage to other parties' property caused by your vehicle. Allianz Travel Care
There are so many preparations when planning a holiday abroad, but many of us miss an essential part of the planning – travel insurance. Allianz Care Individual
With Allianz Care - Individual, you need not worry about funding for your healthcare costs or it being a burden on yourself and your loved ones. All you have to do is to select from a choice of four (4) plans that suits your needs. More and more people are adopting golfing as a form of exercise. Golf Master is created to provide total peace of mind while you play and indulge. Homeguard
Benefit
An Insurance cover specially designed to indemnify you against loss or damage caused by fire, lightning, explosion, aircraft damage, impact damage, bursting or overflowing of water tanks or pipes, hurricane cyclone, typhoon, windstorm, earthquake, volcanic eruption and flood to your household goods and personal effects. HouseOwner & HouseHolder
This is a tariff class of insurance which is designed to cover the following:-
Building and /or Contents of Private Dwelling Houses and Flats. Residents property in Hotels, Residential Clubs and Boarding Houses against a comprehensive range of perils. Scope of Cover
Section I:Buildings
Loss or damage to buildings
Section II:Contents
Loss or damage to contents. Property Temporary Removed(excluding property removed for sale or exhibition or to furniture depositories). Damage to Mirrors by breakage(excluding hand mirrors). Compensation for Death of the Insured provided death occurs within 3 calendar months of injury
Servant’s property(excluding cash, currency notes and stamps). Section III(A):
Loss of Rent if dwelling is rendered uninhabitable
Section III(B):
Liability to the Public as owner of the premises up to RM50,000/-
Perils Covered
Fire, Lightning, Thunderbolt, Subterranean Fire Explosion
Explosion
Aircraft Damage
Impact Damage with any of the buildings by any road vehicles or animals not belonging to or under the control of the insured or any member of his family. Bursting or Overflowing of Domestic Water Tanks, Apparatus or Pipes. Theft but only if accompanied by actual forcible and violent breaking into or out of a building or any attempt thereat. Hurricane, Cyclone, Typhoon, Windstorm. Earthquake, Volcanic Eruption
Flood
Supershield 2
The Supershield 2 policy jacket, Supershield 2 Addendum and Special PA Program 2 policy jacket are applicable for renewal policies only. Road Warrior
Road Warrior provides you and your passenger(s) a Personal Accident Cover with 24-hour Car Assistance Program, giving you total protection and breakdown assistance altogether. Benefits
1. Personal Accident Benefit
- Accidental Death and Permanent Disablement
- Medical Expenses
- Bereavement
- Double Indemnity
- Corrective Cosmetic Surgery
- Hospital Income
2. Car Assistance Program
- 24-Hour Emergency Towing
- Minor Roadside Repair
- Taxi and Car Rental Assistance
- Arrangement for Hotel Accommodation
- International Assistance
- Arrangement for Emergency Evacuation
- Referral to Service Centre
- Emergency Message Transmission
Eligibility
- Entry age is between 17 to 80 years old
Premium
- Get covered now from a price as low as RM50/year! Enhanced Road Warrior
Enhanced Road Warrior is another innovative product from Allianz with added features on top of our popular Road Warrior. With Enhanced Road Warrior you will enjoy Additional Coverage of having a car replacement and flood cover, further protecting and giving you peace of mind in time of needs. Benefit
1. Personal Accident Benefit
- Accidental Death and Permanent Disablement
- Medical Expenses
- Bereavement
- Double Indemnity
- Corrective Cosmetic Surgery
- Hospital Income
2. Car Assistance Program
- 24-Hour Emergency Towing
- Minor Roadside Repair
- Taxi and Car Rental Assistance
- Arrangement for Hotel Accommodation
- International Assistance
- Arrangement for Emergency Evacuation
- Referral to Service Centre
- Emergency Message Transmission
3. Additional Benefit
- Car Replacement
- Compassionate Cover
- Flood Cover
Eligibility
- Entry age is between 17 to 80 years old
Premium
- Get covered now from a price as affordable as RM158/year! Allianz Shield
Helping you to be prepared at all times
No one can deny that life is unpredictable. But you can prepare for it by taking away the ‘what if’ and Allianz Shield yourself – the necessary addition to complete your life. Benefits Coverage
Cashless admission and discharge from all participating hospitals (for all accidents)
Renewal bonus
Double indemnity cover
Coverage for dental or cosmetic surgery
Personal liability cover at one and a half times the Principal Sum Insured
Medical cover for Dengue, Malaria or Japanese Encephalitis
Bereavement allowance for death due to Dengue, Malaria, Japanese Encephalitis or Chikungunya
Hospital income benefit
Weekly benefits
Benefit for sinseh treatment
Reimbursement for prostheses/wheelchair
Kidnap cover
Coverage for impotency or infertility
Coverage for risks in blood transfusions
Coverage for ambulance fees
Funeral expenses
Repatriation expenses
Sn**ch theft
Miscarriage due to motor vehicle accident
Compassionate care
Extended Benefits
Motorcycling
Murder and assault (unprovoked)
Drowning
Suffocation through smoke, fumes or poisonous gas
Food or drinks poisoning
Accident consequent upon intoxication of alcohol
Intoxication by drugs (drugs must be prescribed by a qualified Medical Practitioner)
Amateur sports (except martial arts and boxing)
Winter sports
Coma
Water sports including yachting and water skiing
Scuba diving (up to 50 metres deep)
Hunting
Mountaineering (not involving the use of ropes)
Polo playing
Bungee jumping
Natural disasters including La Nina, El Nino, floods and earthquakes
Strike, riot and civil commotion
Snake and insect bites
Hijacking
Disappearance
Exposure to natural elements
Terrorism extension
Table of Benefits and Premium
> Click to download Table of Benefits and Premium, Annual Premium with Weekly Benefits, Annual Premium without Weekly Benefits, and Optional Benefit International and Domestic Medical Assistance and Evacuation
Occupations
Class 1
Occupation involving non-manual, administrative or clerical work – solely in offices or similar non-hazardous places or full time student. Class 2
Occupation involving work of a supervisory nature or travelling outside office for business purposes but not engaging in manual labour. Class 3
Occupation involving occasional or regular manual work not particularly hazardous in nature but involving the use of tools or machinery (not using woodworking machinery). Description of Benefits
Death
Pays the Principal Sum Insured in the event of accidental death. Permanent Disablement
(i) Pays up to Principal Sum Insured
(ii) Cover shortening of arms and legs
Double Indemnity
Pays double the Principal Sum Insured if you suffer permanent loss of use of two limbs, total paralysis or death whilst travelling in a public transport or whilst you are travelling overseas. Medical Expenses
Pays necessary and reasonable medical, sinseh or traditional treatment* incurred for injuries resulting from an accident or illness due to Dengue, Malaria or Japanese Encephalitis. The cost of any medical/specialist report or post-mortem report is also payable provided it is specifically required by the Company.
*sinseh/traditional treatment – RM35 per visit and up to RM350 per accident. Blood Transfusion
Pays 10% of the Principal Sum Insured if you contract Human Immune Deficiency Virus (HIV) as a result of a blood transfusion whilst undergoing medical treatment for injury or illness in a government or licensed private hospital within Malaysia. Compensation shall only be payable if the Insured’s positively diagnosed with HIV within 2 years from the date of the Blood Transfusion. Dental Correction and/or Corrective Cosmetic Surgery
Pays up to RM5,000.00 for any additional expenses incurred for Dental Correction and/or Corrective Cosmetic Surgical operations to the neck, head or chest (navel up). Weekly Benefits
Pays up to 52 weeks if you are totally unable to attend to work as certified by a Medical Practitioner. Hospital Income Benefit
A daily benefit is payable for the period of hospitalization as a result of an accident, up to a maximum of 180 days. Permanent Impotency or Infertility
Pays up to the limits specified in the Permanent Disablement Scale for Permanent Impotency or Infertility as a result of an accident. Ambulance Fees
Pays for Ambulance Fee up to RM500.00 per accident. Kidnap Benefit
Pays a lump sum of RM5,000.00 for necessary expenses incurred including the hiring of a private investigator. The Company will also offer a reward of RM25,000.00 for information leading to the recovery of the Insured provided that the Insured is alive at the time of recovery. The Principal Sum Insured will be paid in full if the kidnapped Insured is not recovered after a period of one year from the day of the kidnap. Funeral Expenses
Pays RM5,000.00 for Funeral Expenses in the event of accidental death. Bereavement Allowance
Pays 10% of the Principal Sum Insured in the event of death due to Dengue, Malaria, Japanese Encephalitis or Chikungunya as a Bereavement Allowance upon submission of the required documents. Personal Liability Benefit
Subject to the limit of liability, the Company will indemnify you in respect of all sums you shall become legally liable to pay to third parties in respect of accidental bodily injury or accidental damage to property. The territorial limit of this benefit is within Malaysia only. Renewal Bonus
Upon renewal of Insurance, the Principal Sum Insured shall be increased by 10% per year up to 100% of the Principal Sum Insured regardless of any claims made under Medical Expenses, Blood Transfusion, Dental Correction and/or Corrective Cosmetic Surgery, Weekly Benefits, Hospital Income Benefit, Kidnap Benefit, Ambulance Fee and Personal Liability. Prostheses/Wheelchair
Pays up to the limits stipulated in the schedule the actual costs of purchasing a wheelchair, artificial arm or leg and crutches as recommended by the attending Medical Practitioner. Repatriation Expenses
Pays up to maximum of RM10,000.00 in the event of accidental death of the Insured whilst he/she is travelling outside his/her home country. The Company shall reimburse the Insured’s legal representative for Repatriation Expenses of the Insured’s mortal remains back to his/her home country. Miscarriage Due To Motor Vehicle Accident
Pays up to RM1,000.00 per person per accident in the event the Insured suffers a miscarriage as a result of a motor vehicle accident, whether as a pedestrian, passenger, pillion or driver/rider. Compassionate Care
Pays up to RM5,000.00 for reasonable expenses incurred in travelling and accommodation by one (1) family member to take care and/or accompany the Insured who is a minor, not more than twelve (12) years old, during the period of hospitalization, provided the hospitalization is a result of an accident. Sn**ch Theft
Pays up to RM300.00 in the event of loss or damage to your personal effects due to Sn**ch Theft, subject to a police report being lodged. The reimbursable items are replacement fee for NRIC, passport, driver’s licence, credit/charge cards, access cards for entry to buildings/parking lots, eye glasses, hand phone, wallets and purses. Police report to be made within twenty four (24) hours of occurrence. Cashless Hospital Admission and Discharge Benefit
Cashless Admission guarantee up to RM2,500.00 to all participating hospitals in Malaysia and within the Asia Pacific Countries* consequent upon an accident caused by violent, accidental, external and visible means. Food and Drinks Poisoning, Dengue, Malaria, Japanese Encephalitis, Chikungunya and other form of diseases are excluded from the cashless admission. The Company will also facilitate the Insured’s discharge from the same hospital provided all items in the hospital bill are in fact covered under the medical expenses benefit. This cashless benefit will only be activated after seven (7) working days from the submission and acceptance of the Insured’s proposal to any Allianz General Insurance Company (Malaysia) Berhad office. Excluded Occupations
Divers, police, army/military and law enforcement officers, aircraft testers pilots or crews, seamen and sea fishermen, racing drivers, jockeys, oil rig workers, sawyers and timber logging workers, firemen, war correspondents, steeplejacks, stevedores, persons engaged in demolition of buildings, persons engaged in ambulance services, woodworking machinists, explosive handlers, underground tunneling and mining and professional sports activities. Exclusions
War, civil war, AIDS, childbirth, miscarriage, provoked murder or provoked assault, traveling as an aircraft crew, aerial activities, martial arts, racing, radiation and nuclear weapons material. Optional Cover
24 Hours International and Domestic Medical Assistance and Evacuation Programme
Allianz General Insurance Company (Malaysia) Berhad provides the International and Domestic Medical Assistance and Evacuation Programme. The programme described is available 24 hours a day whilst travelling anywhere locally and/or overseas provided each overseas trip does not exceed ninety (90) consecutive days.
1. Medical evacuation
2. Medically supervised repatriation
Note : All medical evacuation and/or repatriation will be carried out under constant medical supervision up to RM1,000,000.00 per person per event
3. Repatriation of mortal remains (up to RM25,000.00 per event)*
4. Visit to bedside by a relative (up to RM5,000.00 per event)*
5. Return of children travelling with the Insured (up to RM2,500.00 per event)*
6. Despatch of medication not available locally**
7. Medical monitoring & emergency message transmission with prior agreement of the insured
8. Medical referral and arrangement of medical appointments upon request
9. Tele-medical consultation and evaluation of the Insured’s condition
10. Emergency message relay
11. Legal referral
12. Referral to interpreter/translator
13. Visa, passport and inoculation requirements
14. Location of lost items
* These services are only available to the Insured whilst he/she is travelling outside Malaysia.
** Up to USD1,000.00 if the Insured is outside Malaysia and up to RM1,000.00 if he/she is in Malaysia. Allianz Motorcyclist PA
Ever wondered what it would be like to ride on an open road with a smile on your face knowing that you are fully protected? We at Allianz General Insurance Company (Malaysia) Berhad understand what motorcyclists want. Yes, we take care of you, whether you are on or off the road. Description of Benefits
A. Death Benefit
Pays the Sum Insured in the event of accidental death. Permanent Disablement Benefit
Pays up to Sum Insured. Bereavement Allowance
Pay RM500.00 in the event of death due to accidental
causes as a Bereavement Allowance upon
submission of the required documents. Eligibility
All Malaysians, Malaysian permanent residents, work
permit holders, pass holders or otherwise legally
employed in Malaysia who are legally residing in
Malaysia. Insured Person is between the ages of
sixteen (16) years and sixty five (65) years at the date
of inclusion. Exclusions
War, civil war, AIDS, childbirth, miscarriage, provoked
murder or provoked assault, traveling as an aircraft
crew, aerial activities, martial arts, racing, radiation and
nuclear weapons material.
