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This policy is designed to protect your HOUSEHOLD CONTENTS as well as you and your family. The coverage provided is divided into the following sections: |
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Section I – Standard Coverage |
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Covers loss or damage to household contents and personal effects provided no one article (furniture, pianos, organs, household appliances, radios, television sets, video recorder sets, HiFi equipment and the like excepted) be greater than 5% of the Total Sum Insured unless specifically declared, belonging to the Insured or any member of his/her family residing with him/her whilst contained in the private dwelling house. |
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Loss or damage to the property insured caused by any of the under-mentioned PERILS: |
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Fire & Lightning |
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Hold–Up & Armed Robbery |
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Flood, Windstorm, Typhoon, Earthquake, Volcanic Eruption |
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Aircraft & Other Aerial Devices and / orArticles Dropped Therefrom |
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Explosion (Domestic) |
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Riot & Strike & Malicious Damage |
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Theft/Burglary Accompanied by Actual Forcible & Violent Entry |
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Water Damage Caused by Bursting of Water Tanks or Pipes |
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Impact Damage by A Vehicle or Animals Excluding Vehicles or Animals Belonging to or Under the Control of You or Any Member of Your Family |
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EXTENDED COVERAGE
Loss or Damage Caused by Defined Perils Insured Above: |
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The liability of the Company is limited
to any one incident & in the aggregate
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RM |
| + Mountain bikes & bicycles, personal properties in storage outside residence but within the fenced-up compound |
1,000 |
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1,000 |
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| + Cash/coins collections, currency notes & bank notes |
1,500 |
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| + Loss or damage to mirror other than hand mirrors |
500 |
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| + Damage to frozen & perishable food caused by insured perils |
500 |
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| + Replacement of external locks & keys |
500 |
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| + Reimbursement of rental expenses - RM200 per day |
Max. 10% of total sum insured whichever is lower |
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| + Removal of debris |
2,000 |
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| + Fire department charges & cost of replacement of fire fighting appliances |
5,000 |
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| + Loss or damage to property temporarily removed from the private dwelling |
Up to 15% of total sum insured |
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Section II – Personal Accident Insurance |
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Covers 24 hours worldwide personal accident resulting death or permanent disablement as per the Schedule of Benefits, for you and your immediate family members up to four (4) who are permanently residing in the private dwelling house insured under Section I. The sum insured per person is RM10,000 and the Company’s maximum combined liability for the period shall not exceed RM50,000. |
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RM |
| Death/Permanent Disablement (bed–ridden) |
10,000 |
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| Loss of both hands and/or both feet |
10,000 |
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| Loss of sight of both eyes and/or hearing of both ears |
10,000 |
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| Loss of sight of one eye and one hand/one foot |
10,000 |
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| Loss of sight of one eye/hearing of one ear |
5,000 |
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| Loss of one hand/one foot |
5,000 |
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Section III – Personal Liability |
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LIMIT OF LIABILITY: RM250,000 ANY ONE ACCIDENT/PERIOD OF INSURANCE
Indemnifies the Insured against all sums which the Insured shall become legally liable to pay in respect of:
a) Accidental bodily injury to any third party and/or
b) Accidental loss or damage to third party’s property occurring within the insured's premises or within Malaysia during the period of insurance. |
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