Frequently Asked Question (FAQ)
Q : My family consist of 5 members, ranging from 18 to 50 years old. Can I include all member of the family to the Policy ?
A : Our Personal Accident Policy is applicable to any person with minimum age of 16 years old and maximum 60 years old at the time of starting the Policy. It means that, should one member of you family at the age of 60 at the time the Insurance starts, the particular member of the family won't be able to extend the Insurance cover for the next period.
Q : I work as a Public Accountant, at my spare time I do a lot of extreme sports including Rock Climbing, Down Hill Cycling, Surfing and Jet Skiing. Will my Insurance give me compensation as stated in the Benefit Table of the Policy, should anything happen to me during doing these hobbies ?
A : Our Personal Accident Policy exclude numbers of dangerous activities as follows :
1. Any sport as a professional
2. Participation in any kind of speed/racing contest
3. Any form of the armed or unarmed combat and martial arts
4. Mountaineering, rock/cliff climbing or pot-holing
5. Sub-aquatic activity requiring the use of breathing apparatus such as scuba-diving
6. Any aerial activity including parachuting, gliding and hang-gliding
7. Hunting, water skiing
Other than doing these activities, our Policy is fully operable at 24 hours a day 365 days a year and all over the world.
Q : Is sickness also covered in this Policy ?
A : The Personal Accident Policy only take effect when accident is the major cause of the sickness. Otherwise, the sickness in excluded from the Policy. Medical Expenses it provided as a extension to the Personal Accident basic cover. This extension will take effect in a case where the Insured need to be hospitalized as a consequence of an accident. The maximum amount compensated by the Insured is stated in the schedule in the Policy.
Q : Will my occupation effect my premium rate ?
A : In accepting and applying the terms and conditions, we categorized our clients into several classes depend on the Risk Degree of each occupation. The higher the Risk Degree, the higher the Premium Rate would be. The occupation category can be found as follows :
1. Class I : Directors, Managers, Secretary, and the like
2. Class II : In Office Staff, Housewife, Student, and the like
3. Class III : Janitor, Messenger, On Field Staff, and the like
We hope above comment is assisting you in your selection of products, which we will bundle to a solution tailored to your needs.
