Benefits

• Loss or damage to your vehicle due to accident, fire or theft
• Third party death or bodily injury due to accident
• Third party property damage due to accident
• FREE towing service up to RM300 per breakdown
• 3 months warranty for all repairs carried out by our professional panel repairers
• Up to 700 panel workshops nationwide
• 24/7 Emergency Auto Assist
• Breakdown assistance such as change of battery/tyre, fuel delivery, jump start and more
• Freedom to repair at your choice of workshop (For OD-KFK - Own damage- Knock for Knock) (Not policyholder's fault)

Eligibility:

• All private car owners

Add-on:

• Breakage to windscreen, windows and sunroof
• Spray painting your whole car (non-tariff)
• Legal liability to passenger
• Flood and other natural calamity
• Vehicle accessories endorsement
• Compensation for assessed repair time (CART)
• Strike, riot and civil commotion

Some major exclusions include:

• Your own death or bodily injury due to a motor accident
• Your liability against claims from passengers in your vehicle
• Loss, damage, or liability arising from an act of nature, unless you add on special perils as an extra benefit

Benefits

1. Worldwide Coverage By Region
   You'll be provided full coverage wherever you are in the world.
2. Overseas medical expenses coverage
   Covers up to RM500,000 including medical expenses due to COVID-19.
3. International Travel Assistance
   Our appointed 24-hour travel assistance provider is just a call away if you find yourself in a difficult situation abroad.
4. Medical Evacuation And Repatriation Benefits
   We'll reimburse you for expenses incurred if you need to be evacuated to the nearest hospital or need to be transported back to your home country.
5. Credit Card Indemnity
   We'll pay off your outstanding credit card expenses incurred during your trip in the event of death or permanent total disablement due to an accident.
6. Home Care Benefit
   We will compensate the indicated amount in the Table of Benefits in the event of a burglary resulting in loss or damage to household contents within your residence in Malaysia which was left vacant for the full duration of your Trip.

Benefits

1. High overall annual and lifetime limit
   You can choose the plan with Overall Annual Limit of RM100,000 up to RM1 Million. We also offer you no lifetime limit for the higher plans.
2. Cashless hospital admission
   You are given the convenient choice of cashless admission for easy admission to hospital or enjoy some savings on the premium by opting out from this benefit.
3. Lifelong medical protection
   All plans are guaranteed renewable up to 100 years old*. If there is no claim incurred in the 1st year of policy inception, we will not impose any exclusion or loading upon your subsequent renewal in later years.
4. Underwriting-free upgrade
   You are allowed to upgrade your Plan without underwriting for every 3 years claim-free.
5. No co-payment
   We do not impose any co-payment on your medical bills incurred even though you choose to upgrade your room and board benefit limit when admitted to hospital.
6. Extend your protection range
   Our policy includes coverage for HIV due to blood transfusion.
7. Deductible options for more savings
   Enjoy more savings with our deductible options on your annual premium ranging from 25% to 75%.

*Policy is renewable at the option of the policyholder.