Allianz Motor Insurance

At Allianz General Insurance Company (Malaysia) Berhad "AGIC", obtaining a motor insurance cover is so easy and hassle free because our extensive network (36 branches and more than 6,000 agents) are well equipped to serve you as an individual and also as a corporate client. Also, with our selected panel of authorized workshops providing quality and prompt repairs, you can rest assured that your prize possession is in good hand.

Types of Vehicle Policy

• Private Cars
• Motor Cycle

Commercial Vehicles	Motor Trade (Road Risks)
	Goods Carrying Vehicles
	Public Taxis
	Hire Cars
	Buses
	Special Types (Construction or Forestry vehicles)

Types of Cover

Comprehensive Features

• Loss or damage to the insured vehicle and its accessories and spare parts
• Liability for damage to others vehicle and property caused by insured vehicle
• Legal Liability for death or bodily injury to any third party person

Under comprehensive cover the following benefits are available for an additional premium:

• Windscreen
• Strike, Riot & Civil Commotion (SRCC)
• Flood, typhoon or other convulsion of nature
• Legal Liability of Passengers (LLP)
• Legal Liability to non-fare paying passengers (LLNP)
• Additional Driver

Third Party, Fire & Theft Features

• Legal Liability for death or bodily injury to any third party
• Legal liability to third party property loss or damage
• Loss or damage to the insured vehicle as a result of fire and theft

Third Party Liability Only Features

• Legal liability to third party property loss or damage
• Legal liability for death or bodily injury to any third party person

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.

Many travellers assume that they will be covered by their standard medical plan when traveling. The truth is, while traditional plans may offer adequate domestic coverage, they may not be designed for international travel.
 
Allianz Travel Care  is your perfect travel mate that provides you and your family coverage internationally; 24 hours a day, 7 days a week, 52 weeks a year! 
 
So the next time you plan a holiday, you worry about your preparations, while Allianz General Insurance Malaysia Berhad takes care of your travel insurance needs!
 
Features of Benefits

• Accidental Death & Permanent Disablement
Allianz Travel Care insurance includes benefits for Accidental Death and Permanent Disablement occurring during the Period of Coverage.
• Medical Expenses & Other Expenses
We will reimburse the actual necessary and reasonable medical, surgical or hospital charges and emergency dental treatment charges incurred as a result of bodily injuries, illness or death during the journey including repatriation costs, outside your home country for Overseas/Annual Cover. Domestic cover shall be limited to reasonable medical, surgical or hospital and emergency dental treatment incurred as a result of accidental bodily injuries within Malaysia.
• Emergency Medical Evacuation & Repatriation
Allianz Travel Care insurance includes coverage for Emergency Medical Evacuation to the nearest qualified medical facility, expenses for reasonable travel and accommodation resulting from the evacuation and the cost of returning to either the home country or the country where the evacuation occurred up to the Policy Limit.
• Follow up Treatment
• Hospital Income
Payable if you are admitted to a registered hospital abroad due to accidental bodily injury or illness sustained during the journey for Overseas/Annual Cover. Domestic cover will pay you if you are admitted to a registered hospital in Malaysia due to accidental bodily injury sustained during the journey.
• Funeral Expenses
• Compassionate Care
• Child Care Benefit
• Despatch of Medicine
Despatch of the necessary medication not available locally in case of emergency and when local laws, rules and regulations allows such despatch.
• Deposit or Trip Cancellation
We will reimburse for loss of irrecoverable expenses paid in your home country if your planned trip is cancelled due to hospitalisation for serious illness or bodily injury, death or other fortuitous caused beyond your control to you and/ or your immediate family.
• Curtailment
If you need to curtail the trip due to hospitalisation for bodily injury or illness or death of your immediate family member or traveling companion, you will be compensated for any irrecoverable prepaid charges.
• Personal Luggage or Personal Effects
We cover the cost of repair to your damaged luggage and/or personal effects or loss thereof during the journey.
• Loss Of Travel Documents
In the event of theft or accidental destruction of your passport and/ or travel documents, we will reimburse necessary replacement costs, additional accommodation and traveling expenses incurred during your journey.
• Notebook Computer
• Luggage Delay
If your luggage is delayed for at least 6 hours from the time of arrival at scheduled destination outside your home country during the journey, we will reimburse you for purchase of essential items such as toiletries and clothing.
• Travel Delay
In the event the scheduled sea- going vessel, aircraft or train in which you are booked to travel is delayed for at least 6 hours, we will compensate whichever is stated in the Schedule of Benefits.
• Misses Departure
If as a result of failure of public transport services to get you to the departure port, airport or train station (as stated your ticket), we will reimburse the necessary and reasonable accommodation and travel costs incurred in reaching your original destination or returning home.
• Missed Travel Connection
Compensation if your confirmed onward connecting scheduled aircraft, train or sea vessel is missed at any single transfer point due to the late arrival of the incoming scheduled aircraft, train or sea vessel and no alternative onward transportation is made available to you for at least 8 hours from the actual arrival time.
• Travel Overbooked
Compensation if your confirmed onward connecting scheduled aircraft, train or sea vessel is overbooked by the scheduled carrier company as a result a delay in departure of the onward scheduled aircraft, train or sea vessel and no alternative onward transportation is made available to you for at least 8 hours from the actual departure time.
• Additional Costs of Rental Car Return
For the additional costs of car rental for which you are liable under the car rental agreement if you are unable to return a hire car or campervan from a licensed rental agency to the nearest hire depot due to your injury or serious illness which requires hospitalisation.
• Personal Liability
We will pay for your legal liability to third parties for injury and/ or loss of or damage to property.
• Hijacking
Compensation for delay or interruption to the journey in excess of 12 hours resulting in your being prevented from reaching the scheduled destination, of any public conveyance on which you are a passenger as a result of an act of hijack.
• Personal Money
We will pay for you accidental loss of cash and travelers’ cheques during the journey.
• Home Care Benefit
In respect of damages to your home contents as a result of fire when your house is left vacant while you are traveling.
• Terrorism
Allianz Travel Care insurance provides coverage for bodily injury, death and permanent disablement incurred as a result of an act of Terrorism and the insured person has no direct or indirect participation in the act. However, claims incurred as a result of nuclear, chemical or biological weapons or events are not covered. Terrorism is defined as the systematic or planned use of violence, fear or threat of violence in order to intimidate a population or government, especially as a means of coercion or to obtain a granting of any demand.

24 Hours Worldwide Travel Emergency Assistance Helpline
Schedule of Benefits

Benefits			Overseas (Outbound)		Domestic (Inbound)
			Individual	Family   RM	Individual   RM	Family   RM
			Insured Person and Spouse
			Individual Annual RM
Section 1	1	Accidental Death (Principal Sum)** Per Adult Per Child	200,000 Not covered	200,000 25,000	150,000 Not covered	150,000 15,000
	2	Permanent Disablement** Per Adult Per Child	200,000 Not covered	200,000 200,000	150,000 Not covered	150,000 150,000
Section 2	1	Medical Expenses (including dental repair due to accident) (up to)	300,000	900,000	15,000***	45,000***
	2	Other Medical Expenses (including Emergency Medical Evacuation & Repatriation) (up to)	1,000,000	1,000,000	1,000,000***	1,000,000***
	3	Follow up Treatment (up to)	30,000	100,000	5,000***	15,000***
	4	Hospital Income (up to)	300 per day up to 9,000	900 per day up to 20,000	80 per day up to 2,400***	240 per day up to 7,000***
	5	Funeral Expenses (up to)	8,000	16,000	4,000	8,000
	6	Compassionate Care (up to)*	5,000	15,000	1,000***	3,000***
	7	Child Care Benefit (up to)*	5,000	15,000	Not Covered	Not Covered
	8	Despatch of Medication (up to)	3,000	3,000	1,000	1,000
Section 3	1	Deposit or Trip Cancellation (up to)*	20,000	50,000	Not covered
Section 4	1	Curtailment (up to)*	20,000	50,000
Section 5	1	Luggage or Personal Effect (up to)	5,000	15,000
	2	Notebook Computer (up to)	1,000	1,000
Section 6	1	Travel Documents (up to)*	5,000	15,000
Section 7	1	Luggage Delay (up to)	800 (Min 6 hours)	2,000 (Min 6 hours)
Section 8	1	Travel Delay	300 per 6 hours up to 2,000	300 per 6 hours up to 6,000	100 per 6 hours up to 1,000	200 per 6 hours up to 2,000
Section 9	1	Missed Departure (up to)*	1,000	3,000	Not covered
Section 10	1	Missed Travel Connection	250 (Min 8 hours)	1,000 (Min 8 hours)
Section 11	1	Travel Overbooked	250 (Min 8 hours)	1,000 (Min 8 hours)
Section 12	1	Additional Costs of Rental Car Return (up to)	1,000	1,000
Section 13	1	Personal Liability (up to)	1,000,000	1,000,000
Section 14	1	Hijacking	300 per day up to 20 days (Min 12 hours)	600 per day up to 20 days (Min 12 hours)
Section 15	1	Personal Money (up to)	800	2,000
Section 16	1	Home Care Benefit	1,000	1,000
Terrorism			Covered

*    Excess RM50 per person for Individual Plan/Insured Person and Spouse Plan/Individual Annual Plan 
*    Excess RM100 per family for Family Plan
**   Same pay out to 1 legal spouse for Family Plan
*** Accident Only

Premium Rates

Overseas (Outbound)	Individual RM	Insured Person and Spouse RM	Family RM
ASIA
1 – 5 days	30	55	70
6 – 10 days	45	85	110
11 – 15 days	65	125	160
16 – 22 days	80	155	230
23 – 31 days	120	235	300
Each additional week or part	20	40	50
Annual	300	Not available
WORLDWIDE
1 – 5 days	40	75	100
6 – 10 days	60	115	145
11 – 15 days	90	180	225
16 – 22 days	115	225	290
23 – 31 days	170	335	420
Each additional week or part	35	55	80
Annual	320	Not available

DOMESTIC (INBOUND)	Individual	Family
1 – 5 days	15	35
6 – 10 days	25	55
11 – 15 days	35	85
16 – 22 days	45	115
23 – 31 days	65	155
Each additional week or part	10	25

Please add RM10.00 for stamp duty.


Geographical Areas

Asia is defined as Singapore, Thailand, Indonesia, Philippines, Brunei, Taiwan, Korea, China including Hong Kong and Macau, Laos, Vietnam, Myanmar, Cambodia, India, Sri Lanka, Bangladesh, Nepal, Australia, New Zealand and Japan.

Worldwide includes United States of America and Canada.

Domestic is defined as Malaysia.

General Notes

1. The proposer aged from 18 years to 70 years.  The proposer’s legal spouse*, unless legally separated from the proposer, who is not more than 70 years of age. The proposer’s unmarried children who are between 30 days to 21 years and who are primarily dependent upon the proposer for support and maintenance. The family plan shall include the proposer and the legal spouse and all the accompanying children.
2. Flight Delay cover shall not be granted if you travel in a chartered flight.
3. Each trip must begin and end in Malaysia except One Way Cover.

* If more than one spouse, only one will be covered.
 
General Exclusions Applicable For All Sections

• Delay, confiscation, detention, requisition, damage, destruction or any prohibitive regulations by Customs or other government Officials or Authorities of any country
• Hazardous Adventure
• HIV (Human Immunodeficiency Virus) and/or any HIV-related illness including AIDS (Acquired Immune Deficiency Syndrome) however caused and/or any mutant derivations, variations or treatment thereof however caused
• Ionising radiation or contamination by radioactivity from any nuclear waste from combustion of nuclear fuel.
• Pre-existing medical conditions
• Pregnancy, childbirth, abortion or miscarriage
• Riot or civil commotion, lockout or threat of such event
• The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
• War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, martial law or state of siege or any of the events or causes  which determine the proclamation or maintenance of martial law or state of siege

Excluded Occupations

1. Flight crew (except as a passenger)

Extension Of Period Of Insurance
 
The Period of Insurance will be automatically extended without any additional premium for the additional days that are reasonably necessary for up to:
(a) 14 days if any vehicle, sea going vessel or aircraft in which the Insured Person is traveling as a ticket holding passenger is delayed;
(b) 30 days if the intended return journey is prevented due to bodily injury or illness to the Insured Person arising from a cause covered under this Policy.

Cash Before Cover
(a) It is a fundamental and absolute special condition of the contract of insurance that the premium due must be paid and received by the Company before cover commences. If this condition is not complied with, then the insurance is automatically null and void.
(b) The authorised agent shall remit the premium within seven (7) working days upon receipt of such premium from Insured Person. The Company reserves the right to refuse any coverage and/or reject Insured Person’s and /or Family Member’s claim resulting from non-payment of premium to the Company.

How to Battle Shopping Addiction

January often inspires new resolutions to spend less money. For some people, that means first overcoming a shopping addiction.


About 5 percent of us suffer from compulsive shopping, and even more struggle with lesser forms of overspending, says Terrence Shulman, founder of the Shulman Center for Compulsive Theft and Spending. As spending money has become easier through the Internet and credit cards, Shulman says more people seem to experience problems with self-control.

Signs of shopping addiction include the inability to stop oneself from making purchases, conflicts with loved ones over expenditures, and lying about shopping. While many people love shopping, people who do it compulsively do it despite negative consequences, such as going deep into debt, says Jon Grant, associate professor of psychiatry at the University of Minnesota, which houses a clinic for impulsive disorders. "They might get a lot of enjoyment from buying the item, but by the time they get home they're uninterested ... It's not about the acquisition of the item itself, it's about the experience of acquiring it. They get a rush from it," he says.


If you or someone you know has a shopping addiction, experts suggest the following:


Be nonjudgmental. "People don't like to disclose they feel out of control, and they feel embarrassed by the amount of debt they have," says Grant.


Give a helping hand. Grant says if a family member is willing to take over the checkbook or finances of a person struggling with compulsive shopping, it can help them regain control. If that's too much of a burden, a professional money manager can fill that role, he says.


Discuss gifts in advance. Instead of splurging on pricey presents, families and friends can talk ahead of time about exchanging skills or favors such as house cleanings. "There's a hangover after the new year when people are in a bad state after having gorged themselves," says Shulman. "What if we could take a breath early on and say, 'Let's make these holidays different.'"


Consider therapy. Grant says cognitive behavioral therapy that encourages people to understand their actions and the longer-term consequences can help. It can also teach people skills such as using cash instead of credit cards or not going to stores when they feel depressed or stressed.


Look at possible medications. While studies on the effect of medications on compulsive shopping haven't reached any hard-and-fast conclusions, antidepressants or antianxiety medications are sometimes helpful, Shulman adds.


Check out 12-step programs. Most towns and cities have Shoppers Anonymous, Debtors Anonymous, or Overspenders Anonymous programs that operate much like Alcoholics Anonymous. "For some people, it becomes a spiritual path," says Shulman.


Find new activities. Compulsive shoppers often need to replace old habits and even friendships with new, healthier ones. Non-shopping related activities can include sports, book clubs, or cooking.