Money In Transit Insurance

AIG Overseas Travel Insurance Extend Covid 19 Cover
AIG Insurans Perjalanan Luar Negara Lanjutkan Perlindungan Covid 19
AIG 海外旅游保险添加延保 Covid 19
Arranged By
ACPG Management Sdn Bhd
ACPG WhatsApp Team +60126489838
http://wasap.my/+60126489838/AIGTravelinsurance

AIG Travel Insurance Policy
Now Includes COVID-19 Coverage
Travel Insurance
Feel safe knowing you're covered against COVID-19, trip cancellation and more.

AIG Travel Insurance Overview

No matter where your next holiday destination is, we’re here to keep you safe during your holiday.

We provide comprehensive travel insurance protection including COVID-19 coverage for you to fully enjoy your trip.

Our most popular features include

Overseas COVID-19 coverage such as Medical Expenses up to RM800,000, Quarantine Allowance and more.

Reimbursement up to RM10 million (including cashless hospital admission)

If your trip is cancelled due to covered events, we’ll reimburse up to RM30,000

Benefits
COVID-19 Coverage

In the event you are diagnosed with COVID-19, we will provide you COVID-19 coverage including Medical and Emergency Evacuation & Repatriation Expenses up to RM800,000, Travel Cancellation, Travel Curtailment and Quarantine Allowance benefits (applicable to Basic, Standard or Deluxe Plan only).

Medical Expenses (including cashless hospital admission)

If you are hospitalised due to accident or illness (excluding pre-existing conditions), we will cover the hospitalisation expenses incurred up to RM10 million. Our travel assistance team is on call by phone to provide you emergency travel assistance, ensuring you receive appropriate medical care.

Comprehensive coverage

We provide you with coverage for domestic and overseas medical expenses, trip cancellation, travel interruptions and delays, emergency medical expenses, medical evacuation costs and lost, damaged or delayed baggage.

Personal Accident cover

You can get lump sum payout up to RM500,000 if you suffer from an accidental death or permanent disablement during your trip.

Trip cancellation cover

Don't worry about the costs of transport & accommodation due to your trip cancellation. We’ll reimburse you the non-refundable expenses if your trip is cancelled due to specific events, within a specific time before your departure date.

Natural disasters

We will pay for travel inconveniences related expenses against natural disasters such as earthquakes, floods and volcano eruptions, occuring at the country of travel.

Our own global assistance service

We have a fast and efficient 24-hour Emergency Assistance Team available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

Travel Inconvenience

We provide you coverage for travel inconveniences such as travel delays, loss or damage to your personal belongings, fraudulent use of credit card, car rental excess charges and more.

* Coverage differs according to product & plan. Please refer to policy wording for full details of coverage and exclusions.

Quote & buy online, before your next trip!

For More information, pls contact

An Authorise Agency of AIG Insurance Malaysia
ACPG Management Sdn Bhd
WhatsApp Team +6012-6489838
HQ +603-92863323
www.acpgconsultant.com
www.insuranceomlinepurchase.com

医药卡的秘密，你真的了解医药卡吗？
分享来自
马来西亚医疗保险机构 (MMI)
马来西亚值得信赖，经验丰富及规模最大的医疗和健康保险业务方案服务提供组织
Malaysia Medical Insurance Organization (MMI)
Your Trusted Malaysia Medical Insurance Risk Management Advisory Provider.
Malaysia Medical Insurance Organization (MMI)
Head Office,
158-3-7, BLOK 158, KOMPLEKS MALURI,
JALAN JEJAKA, TAMAN MALURI,CHERAS,
55100 KUALA LUMPUR, MALAYSIA.
MMI careline +603-92863323
[email protected]
www.medicalinsurance.com.my

在疾病年轻化，医疗费越见高昂的现代社会，没有一张医药保险（俗称医药卡）傍身的人少之又少。

投保前问清楚讲明白
（一）保障范围投保前应了解什么事项和疾病受保什么不受保，例如滥用毒品、爱滋病、战争都不受保，以乳癌为例，若属原位癌（零期未扩散），传统医药卡不理赔，但新款医药卡和疾病险却纳入受保范围，以保诚为例，尽管原位乳癌不属36种严重疾病险的受保范围，但女性保单则理赔。

保险公司只为突发疾病提供保障，一些非必要支出如astro费、报纸、医院迎宾小礼物、女佣在医院里的床位，以“检查为目的”的健康检查（例如头痛进院检查时，叫医生“顺便”从头到脚检查一遍），保险公司不负责买单。尽管了解这些细节并非易事，但鼓励保客事前问清楚，就诊前也应向医生确认，以后日后引发争执和投诉。

（二）有关医药卡是否医药费分摊这是指保客必须和保险公司分担一小部分的住院与医药费用：大多数医药卡都明订Co-Insurance条例，即保客负责分担10%的住院费用，或最少需分担300令吉，最高1000令吉的医药费，余下的住院与医药费才由保险公司承担。

（三）等待期限的长短等待期限依保单和保客情况从30天至120天不等。除了突发意外事件不受约束，一般疾病通常须过了等待期限，才能向保险公司索赔，此举是为了避免消费人在已患病或健康亮红灯情况下，先行投保才就医。此外，投保前已有病例条例则阐明，不为原已存在的病况提供保障。

对医卡错误观念
（一）公司为我投保，省下一笔。
大部分企业都会为雇员投保，有些雇员就想：“既然公司为我投保，能省则省，我不用买。”其实，不论公司是否提供这项福利，消费人都应自掏腰包买一张医药卡。

即使已结婚都有可能离婚，更何况是离职或者辞职？当雇员因故无法为公司效力或离职，便失去医药保障。
因为保险保的是某某公司雇员，当你已经不是某某公司雇员，谁来帮你出医药费？这时才想要买医药卡？对不起，你已患病在身（尤其患上癌症），成为保险公司的拒绝往来户，侥幸受保也必须缴付额外费用。

再者，公司可能因故暂时停止缴费（没有告知员工），员工却在这期间发生事故，后果可想而知。

（二）指定医院和付费
许多保客以为只有到指定医院就诊，保险公司才会给付，事实却非如此。不管是指定或非指定医院，保险公司都会负责，差别在于（1）到指定医院可免付费就诊，（2）到非指定医院，保客须代垫医药费，再向保险公司索费。

（三）钱丢进大海
保客总有“买医药卡没有做索偿，等同于把钱丢进大海”的心态。难道买汽车保险是希望发生车祸？同样的道理，医药卡只是为了以防万一，有需要时不必动用自己的储蓄和血汗钱。
医药卡必知

（一）每年检视保单
人生不同阶段有不同目标和责任，消费人应善用保险代理员提供的免费咨询服务，每年检视保单并适时调整，像手机、电脑之类的设备，大家都会定期更新，保单也应该如此，很多保单是多年前购买的，现在的产品推陈出新，消费人可以检讨看看有没有需要追加。

（二）凑钱为父母投保
乐龄人士的医药卡保费不便宜，却又是患病的高风险群，这里建议为人子女者，可凑钱合力为父母购买。
你说你爱你的父母，万一父母发生事情，你能袖手旁观吗？万一发生事情，若孩子没能力承担，至少保险公司有能力，由保险公司来负责。

（三）各别购买医药卡
全家受保的医药保险尽管收费较低廉，却有限制。
例如家庭保险只为21岁以下子女提供保障。当子女年届21岁想要个别投保，或有可能因早前身体状况不佳而有被保险公司拒保的风险。
另外，由于可索赔限额由家庭成员共享，若家中有一人以上患病，可能会不敷使用。
如果够用的就没问题，不够用时怎么办？因此这里主张每个家庭成员拥有各自的医药卡。

（四）向专业保险代理员投保
市面上有中间人保险公司以会员制方式出售保险产品，其缺点是购买者并非直接对保险公司，或有可能遭遇缺乏保证续保或沦为孤儿保单（没有代理人服务）的风险。
其区别方式是填写保单申请时，注意公司抬头是保险公司或者是该中间人保险公司。他呼吁消费人直接向保险公司的代理员投保。

Malaysia Medical Insurance Organisation (MMI)
马来西亚医疗保险机构（MMI）
ACPG 集团和联营团队成员
MMI 服务热线：+603-92863323, +6011-12239838.
[email protected]

Type of Insurance Solution Services :
Individual, Group Workers and Employees Benefits
Medical Insurance coverage,
Health Insurance coverage,
Medical Care Insurance coverage,
Medical Card Admission Benefits insurance coverage,
Hospitalisation Insurance coverage,
Surgical fees and Anesthetist fees Insurance coverage,
Specialist Consultant, Surgeon and Physician expenses Insurance coverage,
Accident Income Insurance coverage,
Accident Disablement Insurance coverage,
Accident Medical Expenses Insurance Accidental Insurance coverage,
Traveling Medical Expenses Insurance coverage,
Traveling Accident Expenses Insurance coverage,
Disablement Insurance coverage,
Dread Disease Insurance coverage,

Malaysia Life and General Insurance Business Directory
1) American International Assurance Bhd
2) Etiqa Insurance Berhad
3) ING Insurance Berhad
4) MCIS Zurich Insurance Berhad
5) Prudential Assurance Malaysia Berhad
6) Zurich Insurance Malaysia Berhad

Life Insurance Business Only
1) AXA Affin Life Insurance Berhad
2) Allianz Life Insurance Malaysia Berhad
3) AmLife Insurance Berhad
4)
5) Great Eastern Life Assurance (Malaysia) Berhad
6) Hong Leong Assurance Berhad
7) Manulife Insurance Berhad
8)Tokio Marine Life Insurance Malaysia Bhd
9) Gibraltar BSN LifeBerhad

General Insurance Business Only
No.
01) Chubb Insurance Berhad
02) AIG Malaysia Insurance Berhad
03) AXA Affin General Insurance Berhad
04) Allianz General Insurance Company (Malaysia) Berhad
05) AmG Insurance Berhad
06) Berjaya Sompo Insurance Berhad
07) Etiqa General Insurance Berhad
08) Kurnia Insurans (Malaysia) Berhad
09) Lonpac Insurance Berhad
10) MSIG Insurance (Malaysia) Berhad
11) Multi-Purpose Insurans Berhad
12) Great Eastern General Insurance (Malaysia) Berhad
13) Pacific Orient Insurance Co. Berhad
14) The Pacific Insurance Berhad
15) Progressive Insurance Berhad
16) QBE Insurance (Malaysia) Berhad
17) RHB Insurance Berhad
18) Tokio Marine Insurans (Malaysia) Berhad
19) Tune Insurance Malaysia Berhad
20) Liberty General Insurance Berhad

AIG Malaysia Student Overseas Study Abroad Travel Insurance
Hotline +6011-12239838 (Whatsapp)
Arranged By ACPG Management Sdn Bhd
+603-92863323
www.acpgconsultant.com

Student Overseas Travel
Stay protected while studying overseas until you graduate

Complete protection for students studying overseas, with special features that make it one of the leading student travel products in Malaysia.

AIG Malaysia Student Assist is an insurance plan that protects and gives you peace of mind to pursue your educational aspirations when you go overseas to study at a recognized education institution.

It’s Reassuring To Know We Are There Congratulations on embarking on your studies overseas! As you explore the exciting world of education abroad, it’s the beginning of many hopes, dreams and aspirations that will be fulfilled.

Just before you set off on your journey of experience and opportunities, have you ensured that you are well protected should the unexpected affect your long-term plans?

You may worry about your studies being interrupted due to unforeseen circumstances.

Perhaps you fancy trying out some amateur sports and leisure activities while you’re away. And since you’re overseas, why not travel and see the world during your vacation?

Even when you’re back in your home country for the holidays, wouldn’t you like to enjoy it peacefully?

Don’t wait. Make the important decision to enjoy complete peace of mind during your studies abroad.

Choose to be reassured.

AIG Malaysia Student Assist Benefits

Tuition Fee reimbursement for study interruption
We'll reimburse you for the non-refundable portion of your tuition fees paid in advance, in the event of study interruption due for specific reasons.

Medical & personal accident cover
You'll be reimbursed for medical expenses incurred due to accidental injury or illness sustained when studying overseas.

Sponsor Protection
We provide you financial security in the event of accidental death of your sponsor (the individual who sponsors your study overseas).

Our own global assistance service
A fast and efficient 24-hour Emergency Assistance Team is available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

Choose AIG Travel Guard Student Assist arranged by Malaysia Medical Insurance Organisation (MMI).

Any Urgent Enquiry, Please send your Whatsapp Message to +6011-12239838 for Prompt Assistance (Monday to Friday 9.00 am to 6.00 pm).

AIG Malaysia Student Overseas Study Travel Insurance Online Purchase
Hotline +6011-12239838
Arranged By
ACPG Management Sd Bhd
158-3-7, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kuala Lumpur, Malaysia.
+603-92863323, +6011-12239838.
[email protected]
www.acpgconsultant.com

A member of Malaysia Medical Insurance Organisation (MMI)

Contractors’ All Risks and Er****on All Risks insurance
Via ACPG Whatsap +6011-12239838
ACPG Whatsapp Team
http://wasap.my/+601112239838/ContractorAllRiskinsurance

What is Contractors’ All Risks & Er****on All Risks insurance?
These 2 policies are designed to meet the insurance obligation placed upon Contractors under the contract conditions.

Contractors’ All Risks
Covers buildings and civil engineering works under construction

Er****on All Risks
Covers plants, machinery, equipment and steel structures like bridges in the course of er****on

Key coverage
Here is an overview of your coverage

Contractors' All Risks / Er****on All Risks
Contractors' All Risks / Er****on All Risks

Material Damage
Covers against sudden and unforeseen physical loss or damage to contract or er****on works/property/items

Third Party Liability
Covers third party liability for which we shall become legally liable to pay as damages consequent upon
Accidental bodily injury or illness of third party
Accidental loss or damage to property belonging to third party
Occurring in direct connection with the works and happening at or in the immediate vicinity of the site.

The indemnity is also provided for legal costs and expenses provided the liability is within the limit of liability insured.

Contractors’ All Risks (CAR) is a policy designed to meet the insurance obligations placed upon Contractors under the
contract conditions.

The policy covers the works to be executed in accordance with the contract, temporary works, materials, construction plant and equipment brought into the site and liabilities arising out of the performance of the contract. In general, CAR insurance is intended to cover buildings and civil engineering works under construction.

Coverage
Section I – Material Damage
This section covers almost any sudden and unforeseen physical loss or damage occurring (except as specifically excluded) to the contract works/property/items insured, during the period of insurance.

It has separate cover for:-
Contract Work – includes permanent and temporary work

Construction Plant & Equipment – consisting of worker’s accommodation, storage shed, preparation & mixing
plant, scaffolding, utilities (electricity, water supply)

Construction Machinery – all plant and machinery which renders its service only when moving and under control
of an operator.

This would include earth moving equipment, cranes and the like, as well as site vehicles not licensed for use on public roads, whether such machinery is owned or hired by the contractor.

Principal’s Existing/ Surrounding Properties – property located on the site as well as property surrounding the site belonging to or held in care, custody or control of persons named in the policy as the insureds.

Removal Of Debris – incurred for the removal of debris from the site in the event of loss indefinable under
the policy

Professional Fees – the expenses incurred in engaging consultants for consultation work following a loss indefinable under the policy

Basis of Sum Insured
Contract Works – the full value of the contract works at the completion if the construction inclusive of materials, wages,
freight, custom duties dues and materials or item supplied by the Principal, including contingency sums.

Construction Plant & Equipment/ Construction Machinery – the replacement values of construction, plant & equipment;
which shall mean the cost of replacement of the insured items by new items of the same kind and same capacity

Removal of Debris/ Professional Fees – usually XX% of contract value as stipulated by the contract

Third Party Liability (Under Section II) – to be selected by you and is usually stipulated by the contract

Section II – Third Party Liability
Section II of the policy is in respect of third party liability for which you shall become legally liable to pay as damages
consequent upon:-

(i) accidental bodily injury to or illness of third party

(ii) accidental loss or damage to property belonging to third party occurring in direct connection with the works and happening at or in the immediate vicinity of the site occurring during the period of cover.

The indemnity is also provided for legal costs and expenses provided the liability is within the limit of liability insured.

Malaysia Insurance Corporate Agency
ACPG Management Sdn Bhd (Insurance Biz since Year 1989)
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
http://www.acpgconsultant.com
+603-92863323, +6011-12239838, +6012-6489838

For more information or quotation enquiry, please contact our ACPG Whatsapp Team
http://wasap.my/+601112239838/ACPGinsuranceenquiry




****onAllRiskinsurance