OAC travel leaflet new fa new

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1 TRAVEL FOR MORE! More Benefits. More Features. More Coverage. TRAVEL FOR MORE! Correct at time of printing as at March 2015

2 TRAVEL FOR MORE! Travel For More is the travel insurance plan you need, offering you a Comprehensive Travel Protection with MORE Values & peace of mind. Our travel plans offer extensive medical coverage & MORE benefits to suit your needs. What s more, you enjoy greater protection for as low as RM3.21 per day* only with Travel For More. Read on or call your agent to find out more Protection & Great Savings. * RM3.21 per day is based on a 14 days Round Trip under Overseas Area 1 (20 countries to choose from) under RM100,000 Sum Insured Plan for one person ( Insured Only ) at RM45. Benefits At A Glance 1. Accidental Death & Total Permanent Disablement 2. Comprehensive Medical Expenses & related Medical benefits Covers for accidents & sickness while overseas up to RM600,000 for Family Plan & up to RM300,000 for Individual Insured Plan. Includes follow-up medical treatment upon return to Malaysia up to RM90,000 for Family Plan, up to RM30,000 for Individual Insured Plan; Alternative medicine up to RM for Family Plan, up to RM for Individual Insured Plan; Hospital allowance RM300 per day up to RM30,000 for Family Plan, Child Companion & many more benefits. Emergency Medical Evacuation & Repatriation; and Repatriation of Mortal Remains up to RM, More Cover for Travel Inconvenience Includes loss of Travel Documents & al Money up to RM25,000 for Family Plan & up to RM8,000 for Individual Insured Plan. Hijacking Inconveniences of RM per day up to RM30,000 for Family Plan & RM per day up to RM10,000 for Individual Insured Plan. Trip Postponement up to RM6,000 for Family Plan & up to RM2,000 for Individual Insured Plan. Trip Cancellation & Trip Curtailment Expenses up to RM60,000 for Family Plan & up to RM20,000 for Individual Insured Plan. Emergency Telephone charges for Overseas Travel up to RM100. Loss of Deposit or Payment due to abscondment or insolvency of travel agents up to RM25,000 for Family Plan & up to RM5,000 for Individual Insured Plan. Home Content Benefit up to RM10,000 per household. Automatic Extension of Travel Cover up to 30 days due to injury or illness for Overseas or Domestic Travel. Other travel inconveniences such as Flight Delay, Loss of Baggage, Baggage Delay, Missed Connection, Missed Departure, al Liability, Rental Car Excess Cover, Travel Overbooked & Travel Reroute are also covered. Note: For more details, please refer to the Schedule of Benefits.

3 SCHEDULE OF BENEFITS Overseas & Domestic Travel Benefits A. Travel al Accident Sum Insured (RM) Overseas Domestic Plan A Plan B 1 Accidental Death Per Adult 100, , ,000 2 Accidental Death Per Child 25,000 75,000 25,000 3 Permanent Disablement as specified below, if occurring within 365 days after accident % As Per Accidental Death Sum Insured (i) Total and incurable paralysis, complete and incurable insanity or injuries resulting in 100% 100% 100% permanent bedridden (ii) Loss of two limbs at or above wrist or ankle 100% 100% 100% (iii) Loss of sight of both eyes 75% 75% 75% (iv) Loss of hearing of both ears 50% 50% 50% (v) Loss of speech 50% 50% 50% (vi) Loss of one limb at or above wrist or ankle 50% 50% 50% (vii) Loss of sight of one eye 50% 50% 50% (viii) Loss of hearing of one ear 25% 25% 25% B. Medical & Other Expenses 4 Medical Expenses (Overseas: due to Accident & Sickness Domestic: due to Accident only) Each Insured 50, , , ,000 50, ,000 5 Follow-up Medical Treatment in Malaysia (Reimbursement for follow up treatment within 90 days upon return to Malaysia) Each Insured 10,000 30,000 30,000 90,000 6 Alternative Medicine Each Insured 500 1,500 7 Compassionate Visit Benefit (Due to Hospitalization or Death of Insured ) Each Insured 5,000 15,000 7,500 22,500 8 Child Companion Each Insured 5,000 10,000 15,000 30,000 9 Hospital Allowance Each Insured 100 per day up to 5, per day up to 10, per day up to 15, per day up to 30,000 Note: - Not Applicable. Please refer to Description of Benefits & policy for full info.

4 SCHEDULE OF BENEFITS Overseas & Domestic Travel Sum Insured (RM) Benefits Overseas Domestic Plan A Plan B C. Emergency Medical Evacuation & Repatriation (by Asia Assistance Network) 10 Emergency Medical Evacuation Per Event,000,000 & Repatriation 11 Repatriation of Mortal Remains Per Event,000,000 D. Travel Inconveniences 12 Baggage Delay (RM200/every 6 hours) 13 Loss of Baggage / al Effects (Excess = RM100) 14 Loss of Travel Documents & al Money (Reimbursement for cost of obtaining replacement passports, travel tickets and other relevant travel documents.) (Loss of money due to theft is covered up to RM) (Excess = RM100) 15 Flight Delay (RM200/every 6 hours) Each Insured Each Insured Per Article Each Insured Each Insured Each Insured 400 1,200 2,000 6,000 15, ,400 6,000 18,000 8,000 25,000 9,000 5, , , Loss of Deposit or Payment due to abscondment or insolvency of travel agents 15,000 25,000 5, al Liability,000, Hijacking Inconvenience Each Insured 500 per day up to 5,000 per day up to 10,000 1,500 per day up to 15,000 per day up to 30, Trip Cancellation Each Insured 5,000 20,000 2,500 15,000 60,000 7, Trip Postponement Each Insured 2,000 6,000

5 SCHEDULE OF BENEFITS Overseas & Domestic Travel Benefits D. Travel Inconveniences Sum Insured (RM) Overseas Plan A Plan B Domestic 21 Trip Curtailment Expenses (Reimbursement for proportional return of irrecoverable prepaid costs incurred, if it is necessary and unavoidable to curtail your trip) Each Insured 5,000 15,000 20,000 60,000 2,500 7, Travel Missed Connections (Pays due to common air carrier misconnection and no alternative transportation is made available to you within 6 hours) Each Insured Travel Overbooked (Pays due to overbooked common air carrier & no alternative transportation is made available to you) Each Insured 9,000 RM200/6 hours 24 Travel Reroute (Pays if the arrival of the scheduled carrier is delayed for at least 6 hours due to rerouting) Each Insured Missed Departure (Reimbursement for additional accomodation & travel expenses necessarily and reasonably incurred due to mechanical breakdown of public transport services, to get you to the departure port, airport or train station, as stated in your ticket) Each Insured 26 Home Content Benefit (Pays damages results of fire) Up to 10,000 per household 27 Rental Car Excess Cover Up to Up to 28 Emergency Telephone Charges Automatic Extension of Cover up to 30 days up to 30 days up to 30 days Special Features (by Asia Assistance Network) - Available for Overseas Travel only 1. Telephone Medical Referral 2. Hospitalization 3. Despatch of Medication Not Available Locally 4. Pre-trip Travel Information 5. Retrieval of Lost Items 6. Emergency Message Relay 7. Arrangement of Flights 8. Legal Referral 9. Referral to Interpreter / Translator

6 YOUR TRAVEL PREMIUM Return Trip Premium For Overseas Travel Destination Duration Insured Only Plan A (RM) Insured & Spouse Family Insured Only Plan B (RM) Insured & Spouse Family 1-7 days AREA days days days After 28 days: Each Additional Day 1-7 days AREA days days days After 28 days: Each Additional Day For Domestic Travel Destination Duration Insured Only (RM) Insured & Spouse (RM) Family (RM) 1-7 days DOMESTIC 8-14 days days days After 28 days: Each Additional Day For Annual Premium Plan: Covers Overseas Travel and Domestic Travel Plan A (RM) Plan B (RM) Destination Insured Insured & Insured & Only Spouse Family Insured Only Spouse ANNUAL PREMIUM PLAN Family 798 AREA 1 Australia, Brunei, Cambodia, China, Hong Kong, Macau, India, Indonesia, Japan, Thailand, South Korea, Laos, Myanmar, New Zealand, Pakistan, Philippines, Sri Lanka, Singapore, Taiwan and Vietnam. (20 Countries) AREA 2 Worldwide (Exclude Domestic Travel) Family includes you, your legal spouse & your child(ren) from 3 months - 18 years old (or up to 23 years old if in tertiary education). Premiums are subject to RM10 Stamp Duty. Kindly refer to Important Notes in the Brochure herein.

7 GREAT SAVINGS! Annual Premium Plan GREAT SAVINGS WITH ANNUAL PREMIUM PLAN If you are a frequent traveler, why not take up our Annual Premium Plan? Our Annual Premium Plan offers you unlimited number of travel up to 90 days for each trip within a year during your policy duration! Here s the Savings: Example: If you are travelling 8 times a year (Round Trip at Area 1), each trip lasts for 14 days: PREMIUM CALCULATION YOUR SAVINGS Round Trip (2-way Trip) RM360 (8 Round Trips X RM45) Annual Trip RM258 (Unlimited No. of Trips) RM102 Note: The example above is derived from a Round Trip (2-way Trip) for realistic illustrations. DESCRIPTION OF BENEFITS PERSOL ACCIDENT Accidental Death A lump sum compensation as specified in the Schedule of Benefits is paid as a result of accidental death to the Insured while travelling. Permanent Disablement If you suffer total permanent disablement while travelling, you will receive compensation as per the Schedule of Benefits. MEDICAL AND OTHER MEDICAL EXPENSES & OTHER EXPENSES Medical Expenses Should you be accidentally injured while travelling, we will reimburse you the medical expenses incurred up to a limit as specified in the Schedule of Benefits. This benefit is also extended to include medical expenses incurred if you fell ill while overseas. Follow-up Medical Treatment in Malaysia We will reimburse you up to the maximum sum Insured applicable to the selected plan as specified in the Schedule of Benefits for follow-up treatment in Malaysia for injury or sickness which the Insured sustained whilst overseas. Alternative Medicine Necessary alternative medical treatment expenses incurred as a result of an accident up to the limit stated in the Schedule of Benefits where treatment is carried out by a registered chinese physician, physiotherapist and/or chiropractor provided treatment is first sought from a medical practitioner within 48 hours from the date of sickness (for overseas travel only).

8 DESCRIPTION OF BENEFITS Compassionate Visit Benefit In the event of the Insured s death is due to an accident or sickness whilst on the trip and no adult member of the Insured s family is with the Insured, we will reimburse reasonable travelling (by economy class) and hotel accommodation expenses up to the limit stated in the Schedule of Benefits incurred by a relative or friend until the Insured can return to Malaysia or able to resume his/her trip or until completion of the period of insurance or assist in the burial or cremation arrangements in the locality where death occurs. Child Companion We will reimburse reasonable travelling (by economy class) and hotel accommodation expenses of up to the limit stated in the Schedule of Benefits for your relative or friend required on medical advice from the treating physician to take care of your children traveling with you who are left unattended as a result of your hospitalization while overseas, back to Malaysia. Hospital Allowance If you are being confined in a hospital overseas as an in-patient on the recommendation of a medical practitioner as a result of bodily Injury or sickness sustained during your overseas trip, we will reimburse you the amount for each day of hospital confinement incurred stated in the Schedule of Benefits. Emergency Medical Evacuation & Repatriation In the event of emergency medical evacuation (in a medical critical condition as judged appropriate by the Asia Assistance Network) to the nearest hospital up to the maximum sum insured based on the selected plan as specified in the Schedule of Benefits as a result of injury or sickness sustained by the Insured whilst overseas. If the Insured is hospitalized abroad and it is medically necessary for the Insured to be repatriated back to Malaysia to continue treatment, we will pay necessary repatriation costs including the transportation costs as specified in the Schedule of Benefits. Repatriation of Mortal Remains Pays for the cost of burial or cremation in the locality where death occurs or the expenses of transporting the mortal remains back to Malaysia. Baggage Delay Should your baggage be delayed for every full six (6) consecutive hours of the time of arrival at the scheduled destination, we will reimburse you for any emergency purchase of essential items like clothing and toiletries. This is subject to the limits specified in the Schedule of Benefits. Loss of Baggage/al Effects We will reimburse you for the loss of or damage to your luggage and/or personal effects while travelling up to a limit as specified in the Schedule of Benefits.

9 DESCRIPTION OF BENEFITS Loss of Travel Documents & al Money We will reimburse you for any one claim or series of claims arising from the same incidence including cost of replacing lost travel documents during any one Journey shall not exceed the limit as specified in the Schedule of Benefits. For loss of cash, travellers cheques or banknotes belonging to him/her due to robbery, burglary, theft whilst the Insured is overseas, we will pay up to RM subject to a police report being lodged. Flight Delay Pays if the conveyance is delayed from the scheduled departure time for each full six (6) consecutive hours due to strike, adverse weather conditions, technical problem or airport closure. Loss Of Deposit or Payment due to abscondment or Insolvency of Travel Agents In the event before the departure date of your planned journey, the travel agency from where you have purchased your air tickets or tour packages has absconded or declared insolvent, we will reimburse you for loss of irrecoverable deposits or full payments paid in advance for air tickets or tour packages, as per the limit as specified in the Schedule of Benefits. al Liability Should you become legally liable to pay a third party for accidental bodily injury or accidental property damage while travelling, we will pay for indemnities incur, subject to the limit as specified in the Schedule of Benefits. Hijacking Inconvenience In the event of the hijack by criminal elements of the conveyance in which you are travelling, we will pay the amount up to the limit as specified in the Schedule of Benefits. Trip Cancellation Should your planned trip be cancelled due to your death, serious sickness or injury or similarly of a member of your immediate family, damage to your residence due to natural disaster or outbreak of infectious epidemic at the travel destination, we will reimburse your necessary pre-paid (non-refundable) expenses up to a limit as specified in the Schedule of Benefits. Trip Postponement If your trip is deferred or postponed, arising from the similar as stipulated in Trip Cancellation above, causes after this insurance has been effected, we will reimburse you up to the limit as stated in the Schedule of Benefits. Trip Curtailment Expenses Reimburses for proportional return of irrecoverable prepaid costs incurred, if it is necessary & unavoidable to curtail your trip. Travel Missed Connections If your incoming flight is delayed within six (6) full consecutive hours, causing you to miss your connecting flight, we will pay an allowance as specified in the Schedule of Benefits.

10 DESCRIPTION OF BENEFITS Travel Overbooked Pays due to overbooked common air carrier and no alternative transportation is made available to you within six (6) full consecutive hours of the incoming flight actual arrival time. Travel Reroute Pays as specified in the Schedule of Benefits if the arrival of the scheduled public conveyance is delayed for six (6) full consecutive hours due to rerouting. Missed Departure Reimburses for additional accommodation and travel expenses necessarily and reasonably incurred, as a result of mechanical breakdown of public transport services, to get you to the departure port, airport or train station, as stated in your ticket. Home Content Benefit Pays for damages to your home contents as a result of fire when your house is left vacant while you are travelling outside Malaysia. Rental Car Excess Cover Reimbursement for any excess/deductible up to a limit as specified in the Schedule of Benefits which you become legally liable to pay in respect of loss or damage to rental car during the rental period due to accident. Emergency Telephone Charges Reimbursement up to the limit as specified in the Schedule of Benefits for the phone charges incurred for the sole purpose of engaging the services of our Appointed Assistance Company during a medical assistance/emergency. Automatic Extension Of Cover We will extend the cover for a further period up to 30 days for you to complete the planned journey due to bodily injury, sickness or delayed of booked transport beyond your control. Note: Full details of benefits are available in the policy.

11 DESCRIPTION OF BENEFITS GENERAL EXCLUSIONS 1. War, terrorism, radiation or contamination by radioactivity, nuclear weapons material. 2. Suicide or insanity. 3. HIV and/or HIV related illness including AIDS. 4. Childbirth, pregnancy, miscarriage or any complications thereof. 5. Pre-existing physical or medical conditions, physical or mental defects or infirmity. 6. Self inflicted injury and provoke murder or assault. 7. Engaging in dangerous activities. 8. Criminal or illegal activities. Note: This list is non-exhaustive. Please refer to the Policy for the full list of exclusions. IMPORTANT NOTES 1. You and your spouse must be between 18 and 65 years old. 2. Your children must be aged between 3 months and 18 years old (or 23 years old, if they are in tertiary education). 3. Travel For More is only applicable to Malaysians, permanent residents and work permit holders who are legally employed in Malaysia. 4. You can only purchase one such Policy for the same journey, where each trip must begin and end in Malaysia. 5. The maximum period for any one journey is 90 days. 6. The Policy shall be interpreted in accordance with the law and jurisdiction of Malaysia. 7. In the event of claim, please contact any OACM branch or your agent as soon as possible and submit all original receipts, invoices and other relevant documents. 8. The Description of Benefits are a brief summary for quick & easy reference only. Full terms & conditions are available in Policy document. Kindly contact any OACM branch, agent or OACM Customer Service Careline at for more details. 9. This brochure is for general information only. You are advised to refer to the Product Disclosure Sheet before purchasing the plan. The exclusions and limitations of benefits highlighted above are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy issued by OACM. In the event of differences arising between the English, Bahasa Malaysia and Chinese versions, the English version shall prevail.

12 TRAVEL FOR MORE! Travel For More adalah pelan perlindungan insurans perjalanan untuk keperluan anda menawarkan Perlindungan Komprehensif Perjalanan anda dengan LEBIH Nilai & ketenangan minda. Pelan Travel For More kami menawarkan perlindungan perubatan lebih luas & LEBIH manfaat untuk kesesuaian anda. Tambahan pula, anda akan menikmati perlindungan terbaik pada kadar serendah RM3.21 sehari* sahaja dengan Travel For More. Sila baca atau hubungi ejen anda untuk maklumat lanjut berkaitan Perlindungan & Penjimatan Terbaik. * RM3.21 sehari pada dasar 14 hari Perjalanan Pergi Balik luar Negara Kawasan 1 (terdapat 20 Negara untuk pemilihan) dibawah Pelan diinsuranskan RM100,000 untuk seseorang (Individu Yang Diinsuranskan sahaja) dengan RM45. Manfaat Sekilas Pandang 1. Kemalangan Maut & Hilang Upaya Kekal 2. Perbelanjaan Perubatan Komprehensif & Manfaat Perubatan berkaitan Perlindungan ketika di luar Negara sehingga RM600,000 untuk Pelan Keluarga & sehingga RM300,000 untuk Pelan Individu Diinsuranskan untuk kemalangan & penyakit. Termasuk perbelanjaan rawatan susulan perubatan sekembali ke Malaysia sehingga RM90,000 untuk Pelan Keluarga, sehingga RM30,000 untuk Pelan Individu Diinsuranskan; Perubatan Alternatif sehingga RM untuk Pelan Keluarga, sehingga RM untuk Pelan Individu Diinsuranskan; Elaun Hospital RM300 sehari sehingga RM30,000 untuk Pelan Keluarga, Penjagaan kanak-kanak & banyak manfaat lagi. Pemindahan Kecemasan Perubatan & Penghantaran Pulang; dan Penghantaran Pulang Mayat sehingga RM, Lebih Perlindungan untuk Kesulitan Perjalanan Termasuk kehilangan Dokumen Perjalanan & Wang Milik Diri sehingga RM25,000 untuk Pelan Keluarga & sehingga RM8,000 untuk Pelan Individu Diinsuranskan. Kesulitan Akibat Perampasan RM sehari sehingga RM30,000 untuk Pelan Keluarga & RM sehari sehingga RM10,000 untuk Pelan Individu Diinsuranskan. Penangguhan Perjalanan sehingga RM6,000 untuk Pelan Keluarga & RM2,000 untuk Pelan Individu Diinsuranskan. Pembatalan Perjalanan & Perbelanjaan Pemendekan Perjalanan sehingga RM60,000 untuk Pelan Keluarga & sehingga RM20,000 untuk Pelan Individu Diinsuranskan Caj Telefon Kecemasan untuk Perjalanan Luar Negara sehingga RM100. Hilang Wang Pendahuluan atau Bayaran akibat ejen perjalanan melarikan diri atau di isytihar muflis sehingga RM25,000 untuk Pelan Keluarga & sehingga RM5,000 untuk Pelan Individu Diinsuranskan. Manfaat Isi Rumah sehingga RM10,000 bagi setiap isi rumah. Perlindungan Tambahan Automatik sehingga 30 hari akibat kecederaan atau sakit untuk Perjalanan Luar Negara atau Domestik. Lain-lain kesulitan perjalanan seperti Kelewatan Penerbangan, Kehilangan Bagasi, Kelewatan Bagasi, Ketinggalan Sambung Penerbangan, Ketinggalan Berlepas, Liabiliti Diri, Perlindungan Ekses Sewa Kenderaan, Terlebih Had Tempahan Perjalanan & Perjalanan Melalui Laluan Lain adalah dilindungi. Nota: Sila rujuk Jadual Manfaat untuk maklumat lanjut.

13 JADUAL MANFAAT Perjalanan Luar Negara & Domestik Manfaat A. Kemalangan Diri Amaun Insured (RM) Luar Negara Pelan A Pelan B Domestik 1. Kemalangan Maut Setiap Dewasa 100, , , Kemalangan Maut Setiap Kanak-kanak 25,000 75,000 25, Hilang Upaya Kekal seperti dinyatakan dibawah, jika berlaku dalam tempoh 365 hari selepas kemalangan (i) (ii) B. Perubatan & Perbelanjaan Lain 4. Perbelanjaan Perubatan (Luar Negara: akibat kemalangan dan sakit Domestik: akibat kemalangan sahaja) Setiap Individu Diinsuranskan % ke atas Amaun Insurans Kemalangan Maut Lumpuh seluruhnya dan tidak dapat sembuh, tidak siuman seluruhnya dan tidak dapat sembuh atau kecederaan kekal 100% 100% 100% menyebabkan terlantar di tempat tidur Kehilangan anggota tubuh pada paras atau atas pergelangan tangan atau buku lali. 100% 100% 100% (iii) Kehilangan Daya Penglihatan kedua-dua mata 75% 75% 75% (iv) Kehilangan Daya Pendengaran kedua-dua telinga 50% 50% 50% (v) Kehilangan Daya Pertuturan 50% 50% 50% (vi) Kehilangan satu anggota tubuh pada paras atau atas pergelangan tangan atau buku lali 50% 50% 50% (vii) Kehilangan Daya Penglihatan satu mata 50% 50% 50% (viii) Kehilangan Daya Pendengaran satu telinga 25% 25% 25% 50, , , ,000 50, , Rawatan Susulan Perubatan dalam Malaysia (Pembayaran balik untuk rawatan susulan dalam tempoh 90 hari sekembali ke Malaysia) Setiap Individu Diinsuranskan 6. Perubatan Alternatif Setiap Individu Diinsuranskan 7. Manfaat Penjagaan Simpati (kerana kemasukan ke hospital atau kematian Individu Diinsuranskan) Setiap Individu Diinsuranskan 8. Penjagaan Kanak-kanak Setiap Individu Diinsuranskan 9. Elaun Hospital Setiap Individu Diinsuranskan Nota: Tidak Ada Sila rujuk Jadual Manfaat untuk maklumat lanjut. 10,000 30, ,500 5,000 15,000 5,000 15, sehari sehingga 5, sehari sehingga 15,000 30,000 90,000 7,500 22,500 10,000 30, sehari sehingga 10, sehari sehingga 30,000

14 JADUAL MANFAAT Perjalanan Luar Negara & Domestik Manfaat Amaun Insured (RM) Luar Negara Domestik Pelan A Pelan B C. Pemindahan Kecemasan Perubatan & Penghantaran (oleh Asia Assistance Network) 10. Pemindahan Kecemasan Setiap kejadian,000,000 Perubatan & Penghantaran Pulang 11. Penghantaran Pulang Mayat Setiap kejadian,000,000 D. Kesulitan Perjalanan 12. Kelewatan Bagasi (RM200/setiap 6 jam) Setiap individu diinsuranskan 400 1, , , Kehilangan Bagasi/Barangan Milik Peribadi (Ekses = RM100) Setiap individu diinsuranskan Setiap Artikel 2,000 6,000 6,000 18, Kehilangan Dokumen Perjalanan & Wang Milik Diri (Pembayaran balik kos untuk mendapatkan penggantian passport, tiket perjalanan dan lain-lain dokumen perjalanan berkaitan). (Perlindungan kehilangan wang akibat kecurian sehingga RM) (Ekses = RM100) Setiap individu diinsuranskan 15,000 8,000 25, Kelewatan Penerbangan (RM200/setiap 6 jam) 16. Kehilangan Bayaran Wang Pendahuluan akibat ejen perjalanan melarikan diri atau muflis Setiap individu diinsuranskan Setiap individu diinsuranskan 15,000 9,000 5,000 25, Liabiliti Peribadi,000, ,200 5, Kesulitan Akibat Perampasan Setiap individu diinsuranskan 19. Pembatalan Perjalanan Setiap individu diinsuranskan 500 sehari sehingga 5,000 1,500 sehari sehingga 15,000 5,000 15,000 sehari sehingga 10,000 sehari sehingga 30,000 20,000 60,000 2,500 7, Penangguhan Perjalanan Setiap individu diinsuranskan 2,000 6,000

15 JADUAL MANFAAT Perjalanan Luar Negara & Domestik Manfaat D. Kesulitan Perjalanan Amaun Insured (RM) Luar Negara Pelan A Pelan B Domestik 21. Perbelanjaan Pemendekkan Perjalanan (Bayaran balik untuk bahagian pulangan keatas kos bayaran terdahulu tidak dapat diperolehi semula, jika perlu dan pemendekkan perjalanan tidak dapat dielakkan). Setiap Individu Diinsuranskan 5,000 15,000 20,000 60,000 2,500 7, Ketinggalan Sambung Perjalanan Penerbangan (Bayar kerana kegagalan pengangkutan udara biasa menyambung perjalanan penerbangan dan tiada pengangkutan alternatif disediakan untuk anda dalam tempoh 6 jam). Setiap Individu Diinsuranskan Terlebih Had Tempahan Perjalanan (Bayar kerana kegagalan pengangkutan udara biasa menyambung perjalanan penerbangan dan tiada pengangkutan alternatif disediakan untuk anda) RM200/setiap 6 jam. Setiap Individu Diinsuranskan 9, Perjalanan Melalui Laluan Lain (Bayar jika ketibaan lewat dari jadual penghantaran awam sekurang-kurangnya 6 jam disebabkan melalui laluan lain). Setiap Individu Diinsuranskan Ketinggalan Berlepas (Bayaran balik bagi keperluan perbelanjaan tambahan perjalanan dan tempat kediaman wajar disebabkan perkhidmatan pengangkutan awam untuk membawa anda ke tempat berlepas di pelabuhan, lapangan terbang udara atau stesyen kereta api, seperti dinyata di tiket anda telah mengalami kerosakkan mekanikal). Setiap Individu Diinsuranskan 26. Manfaat Isi Rumah (Bayar kerosakan akibat kebakaran) Sehingga 10,000 setiap isi rumah 27. Perlindungan Ekses Sewa Kereta Sehingga Sehingga 28. Caj Telefon Kecemasan Perlindungan Tambahan Automatik Sehingga 30 hari Sehingga 30 hari Sehingga 30 hari Ciri-ciri Istimewa (oleh Asia Assistance Network) disediakan untuk perjalanan Luar Negara sahaja 1. Rujukan Perubatan melalui telefon 2. Kemasukan hospital 3. Penghantaran Perubatan tidak terdapat di dalam negara 4. Maklumat pra-perjalanan 5. Mendapatkan kembali barang-barang hilang 6. Penghantaran Mesej Kecemasan 7. Pengaturan Penerbangan 8. Rujukan Undang-Undang 9. Rujukan kepada Jurubahasa /Penterjemah

16 PREMIUM PERJALAN ANDA Premium Perjalanan Pergi & Balik Untuk Perjalanan Luar Negara Destinasi Jangka Masa 1-7 hari 8-14 hari KAWASAN hari hari Selepas 28 hari: Setiap Tambahan Hari 1-7 hari 8-14 hari KAWASAN hari hari Selepas 28 hari: Setiap Tambahan Hari Untuk Perjalanan Domestik Destinasi Jangka Masa 1-7 hari 8-14 hari DOMESTIK hari hari Individu diinsuranskan sahaja Pelan A (RM) Individu diinsuranskan & suami/isteri Keluarga Individu diinsuranskan sahaja (RM) Individu diinsuranskan sahaja Pelan B (RM) Individu diinsuranskan & suami/isteri Individu diinsuranskan & suami/isteri (RM) Pelan Premium Tahunan: Meliputi Perjalanan Luar Negara & Perjalanan Domestik Pelan A (RM) Pelan B (RM) Destinasi Individu Individu Individu Individu diinsuranskan diinsuranskan & Keluarga diinsuranskan diinsuranskan & sahaja suami/isteri sahaja suami/isteri PELAN PREMIUM TAHUN Nota : Contoh diambilkira pada perjalanan pergi & balik (2 haluan perjalanan) sebagai penjelasan realistik. Keluarga Keluarga (RM) KAWASAN 1 Australia, Brunei, Kemboja, China, Hong Kong, Macau, India, Indonesia, Jepun, Thailand, Korea Selatan, Laos, Myanmar, New Zealand, Pakistan, Filipina, Sri Lanka, Singapura, Taiwan dan Vietnam. (20 Negara) KAWASAN 2 Seluruh Dunia (Kecuali Perjalanan Domestik) Keluarga termasuk anda, suami atau isteri anda & anak-anak berumur dari 3 bulan 18 tahun sah dari segi undangundang (atau sehinga umur 23 tahun jika masih di institusi pengajian tinggi diiktiraf). Premium tertakluk pada RM10 Setem Hasil. Sila rujuk Nota Mustahak di dalam Risalah ini. PENJIMATAN HEBAT DENGAN PELAN PREMIUM TAHUN Jika anda sering melancong, mengapa tidaknya anda mengambil Pelan Premium Tahunan kami? Premium Tahunan kami menawarkan anda perjalanan tiada had sehingga 90 hari untuk setiap perjalanan dalam satu tahun sepanjang tempoh Polisi! Penjimatan seperti berikut: Contoh : Jika anda melancong 8 kali setahun (Pergi & Balik di Kawasan 1), setiap perjalanan berakhir 14 hari: PENGIRAAN PREMIUM PENJIMATAN ANDA Selepas 28 hari: Setiap Tambahan Hari Pergi & Balik (2 Haluan Perjalanan) RM360 (8 perjalanan pergi & balik x RM45) 318 Perjalanan Tahunan RM258 (Tiada had bilangan Perjalanan) RM Keluarga 798

17 PERIHAL MANFAAT KEMALANGAN DIRI Kemalangan Maut Pampasan seperti dinyatakan dalam Jadual Manfaat dibayar jika berlaku kemalangan maut pada Individu diinsuranskan semasa dalam perjalanan. Hilang Keupayaan Kekal Jika anda mengalami hilang upaya kekal menyeluruh ketika dalam perjalanan, anda akan menerima pampasan seperti dinyatakan dalam Jadual Manfaat. PERUBATAN DAN PERBELANJAAN MEDICAL & OTHER EXPENSES LAIN Perbelanjaan Perubatan Jika anda mengalami kecederaan akibat kemalangan semasa dalam perjalanan, kami akan membuat bayaran balik beban perbelanjaan perubatan anda sehingga had dinyatakan dalam Jandual Manfaat. Manfaat ini juga termasuk beban perbelanjaan perubatan anda jika jatuh sakit semasa berada diluar Negara. Rawatan Susulan Perubatan Dalam Malaysia Kami akan membuat bayaran balik kepada anda sehingga had amaun diinsuranskan mengikut pelan pilihan anda dalam Jadual Manfaat bagi rawatan susulan perubatan di Malaysia untuk kecederaan atau penyakit dialami oleh Individu diinsuranskan semasa berada di luar Negara. Perubatan Alternatif Perbelanjaan perubatan alternatif, tertakluk pada had dinyatakan didalam Jadual Manfaat, perlu ditanggung oleh anda dimana akibat kemalangan, rawatan anda dilakukan oleh Pengamal Perubatan Cina, ahli fisioterapi dan/atau perawat tulang belakang dengan syarat anda mendapatkan rawatan pertama terlebih dulu dari pengamal perubatan berdaftar dalam tempoh 48 jam dari tarikh sakit. Manfaat Penjagaan Simpati Jika berlaku kematian pada Individu diinsuranskan akibat kemalangan atau sakit semasa dalam perjalanan dan tiada ahli dewasa dari kalangan keluarga Individu diinsuranskan tersebut bersamanya, kami akan bayar balik beban perbelanjaan perjalanan (tempat kelas ekonomi) dan tempat kediaman sewajarnya sehingga had dinyatakan dalam Jadual Manfaat kepada saudara atau kawannya sehingga Individu diinsuranskan tersebut pulang kembali ke Malaysia atau mampu meneruskan perjalanannya atau sehingga seluruh tempoh masa insurans atau membantu mengaturkan upacara pengkebumian atau pembakaran mayat di kawasan tempat berlakunya kematian. Penjagaan Kanak-kanak Kami akan bayar balik perbelanjaan perjalanan (tempat kelas economi) dan tempat kediaman sehingga had dinyatakan dalam Jadual Manfaat, untuk saudara atau kawan anda diperlukan menjaga anak anda ( mengikut perjalanan bersama anda) ketiadaan penjaga atas nasihat doktor pakar merawat anda semasa anda dalam rawatan di hospital luar Negara, sehingga pulang kembali ke Malaysia.

18 PERIHAL MANFAAT Elaun Hospital Jika anda dimasukkan ke hospital luar Negara atas sokongan pengamal perubatan untuk menerima rawatan sebagai Pesakit Dalam disebabkan mengalami kecederaan tubuh badan atau sakit semasa dalam perjalananan, kami akan bayar anda amaun bagi setiap hari anda berada dihospital seperti dinyatakan dalam Jadual Manfaat. Pemindahan Kecemasan Perubatan & Penghantaran Pulang Jika berlaku pemindahan kecemasan perubatan (keadaan kesihatan kritikal dianggap sesuai oleh Asia Assistance Network) ke hospital berdekatan akibat kecederaan atau sakit dialami MEDICAL oleh Individu & OTHER EXPENSES diinsuranskan semasa di luar Negara, ianya tertakluk pada had maksima jumlah diinsuranskan berdasarkan pada pilihan pelan dinyatakan dalam Jadual Manfaat. Jika Individu diinsuranskan berada di hospital luar Negara dan pada segi perubatan Individu diinsuranskan tersebut diperlu bawa pulang ke Malaysia untuk meneruskan semula rawatan, kami akan bayar kos penghantaran pulang termasuk kos pengangkutan seperti dinyatakan dalam Jadual Manfaat. Penghantaran Pulang Mayat Bayar untuk kos pengebumian atau pembakaran mayat di kawasan tempat berlaku kematian atau perbelanjaan pengangkutan untuk membawa pulang mayat ke Malaysia. Kelewatan Bagasi Sekiranya bagasi anda terlewat bagi setiap enam (6) jam sepenuhnya berturut-turut dari masa ketibaan di destinasi telah dijadualkan, kami akan membayar balik kepada anda untuk sebarang pembelian barang-barang keperluan kecemasan seperti pakaian dan barang-barang keperluan tertakluk pada had dinyatakan dalam Jadual Manfaat. Kehilangan Bagasi/Barang Milik Peribadi Kami akan bayar kerugian anda bagi kehilangan atau kerosakan pada bagasi dan/atau harta milik diri anda jika berlaku semasa dalam perjalanan sehingga had dinyatakan dalam Jadual Manfaat. Kehilangan Dokumen Perjalanan & Wang Milik Diri Kami akan bayar balik setiap tuntutan atau mana-mana tuntutan kerugian anda berlaku dari kejadian sama termasuk kos gantian semula dokumen perjalanan hilang sepanjang mana-mana Perjalanan tidak melebehi had dinyatakan dalam Jadual Manfaat. Bagi kerugian wang tunai, cek kembara ( Travellers cheques) atau wang kertas milik anda/individu diinsuranskan akibat rompakan, kecurian, pencurian semasa berada di luar Negara, kami akan bayar sehingga RM tertakluk pada laporan polis telah dibuat. Kelewatan Penerbangan Kami bayar jika pesawat pembawa lewat dari masa jadual keberangkatan setiap enam (6) jam sepenuhnya berturut-turut disebabkan mogok, keadaan cuaca kurang baik, masalah teknikal atau penutupan lapangan terbang.

19 PERIHAL MANFAAT Kehilangan Bayaran Wang Pendahuluan Akibat Ejen Perjalanan Melarikan Diri Atau Muflis Jika berlaku sebelum tarikh jadual keberangkatan perjalanan anda dimana pembelian tiket penerbangan atau pakej pelancongan anda dibuat melalui ejen perjalanan telah melarikan diri atau diisytihar muflis, kami akan bayar ganti rugi wang pendahuluan atau bayaran penuh bagi tiket penerbangan atau pakej pelancongan anda telah dibuat terlebih dahulu tidak dapat diperolehi semula. Liability Peribadi Jika anda didapati wajib bayar ganti rugi dari sisi undang-undang kepada pihak ketiga cedera dari kemalangan atau kerosakan harta kerana kesalahan anda semasa dalam perjalanan, kami akan bayar balik ganti rugi tersebut tertakluk pada had dinyatakan dalam Jadual Manfaat. Kesulitan Akibat Perampasan Jika berlaku perampasan oleh unsur jenayah pada pengangkutan membawa Individu diinsuranskan dalam perjalanan, kami akan bayar sehingga had dinyatakan dalam Jadual Manfaat. Pembatalan Perjalanan Jika pelan perjalanan anda telah siap tersusun atur dibatalkan kerana kematian anda, sakit serius atau cedera atau mana-mana kejadian serupa menimpa pada ahli keluarga terdekat anda, kemusnahan tempat kediaman akibat bencana alam atau munculnya wabak jangkitan bakteria di destinasi perjalanan, kami akan bayar balik perbelanjaan bayaran wajib anda terdahulu ( tidak boleh diperolehi semula) sehingga had dinyatakan dalam Jadual Manfaat. Penanguhan Perjalanan Jika perjalanan anda ditangguh atau ditunda diluar kawalan anda selepas insurans berkuat kuasa, kami akan bayar balik pada anda sehingga had dinyatakan dalam Jadual Manfaat. Perbelanjaan Pemendekkan Perjalanan Kami akan bayar balik pada kadar bahagian pulangan dari keseluruhan kos bayaran anda terdahulu tidak dapat diperoleh semula jika perjalanan anda perlu dipendekkan dan tidak dapat dielakkan. Ketinggalan Sambung Perjalanan Penerbangan Jika ketibaan penerbangan anda lewat dalam masa enam (6) jam berturut turut menyebabkan anda ketinggalan sambung penerbangan, kami akan bayar elaun seperti dinyatakan dalam Jadual Manfaat. Terlebih Had Tempahan Perjalanan Kami bayar anda jika berlaku terlebih had tempahan pada pengangkutan udara biasa dan tiada pengangkutan alternatif diadakan untuk anda dalam tempoh enam (6) jam berturut turut dari masa ketibaan sebenar penerbangan.

20 PERIHAL MANFAAT Perjalanan Melalui Laluan Lain Kami bayar anda seperti dinyatakan dalam Jadual Manfaat jika ketibaan pengangkutan awam lewat dari jadual selama enam (6) jam berturut-turut kerana melalui laluan lain. Ketinggalan Berlepas Kami bayar anda untuk keperluan tempat kediaman tambahan dan beban perbelanjaan perjalanan wajar jika perkhidmatan pengangkutan awam sepatutnya membawa anda ke tempat berlepas di pelabuhan, lapangan terbang atau stesen kereta api seperti dinyatakan dalam tiket anda telah mengalami kerosakan mekanikal. Manfaat Isi Rumah Kami bayar kerosakkan isi rumah anda akibat kebakaran dimana rumah berkenaan ditinggalkan tanpa penghuni oleh anda semasa melancong di luar Malaysia. Perlindungan Ekses Sewa Kereta Bayaran ganti balik bagi sebarang ekses/potongan sehingga had dinyatakan dalam Jadual Manfaat dimana anda wajib bayar dari sisi undang-undang diatas kerugian atau kerosakan pada kereta sewa akibat kemalangan berlaku dalam tempoh sewaan. Caj Telefon Kecemasan Bayaran balik sehingga had dinyatakan dalam Jadual Manfaat bagi caj telefon khusus untuk panggilan mendapatkan perkhidmatan bantuan perubatan/kecemasan dari wakil kami, Appointed Assistance Company. Perlindungan Tambahan Automatik Kami akan lanjutkan perlindungan tambahan sehingga 30 hari untuk anda sempurnakan sepenuhnya jadual perjalanan anda jika tercedera, sakit atau kelewatan menempah pengangkutan di luar kawalan anda. Nota: Butiran penuh manfaat boleh didapati di dalam polisi.

21 PERIHAL MANFAAT PENGECUALIAN AM 1. Peperangan, sebarang tindakan pengganas, radiasi atau pencemaran radioaktif, sebarang bahan senjata nuklear 2. Membunuh diri dan atau tidak siuman 3. HIV dan/atau penyakit berkaitan HIV termasuk AIDS 4. Kelahiran anak, kehamilan, keguguran atau sebarang komplikasi berkaitan 5. Pra-wujud keadaan fizikal/jasmani dan kesihatan, kecacatan atau kelemahan fizikal atau mental 6. Kecederaan kepada diri sendiri disengajakan dan pembunuhan atau serangan ganas akibat provokasi 7. Terlibat dalam aktiviti berbahaya. 8. Aktiviti jenayah atau aktiviti menyalahi undang-undang. Nota : Senarai ini tidak menyeluruh. Sila rujuk pada Polisi untuk senarai penuh pengecualian NOTA MUSTAHAK 1. Anda dan suami atau isteri mesti berumur diantara 18 dan 65 tahun. 2. Kanak-kanak anda mesti berumur diantara 3 bulan dan 18 tahun (atau sehingga umur 23 tahun, jika masih belajar di institusi pengajian tinggi diiktiraf) 3. Travel For More hanya untuk Warga Negara Malaysia, Residen Tetap dan Pemegang-Pemegang Permit Kerja bekerja secara sah di Malaysia. 4. Anda hanya layak membeli satu Polisi berkenaan sahaja untuk perjalanan sama dimana setiap perjalanan mesti bermula dan berakhir di Malaysia. 5. Jangka masa maxima untuk satu perjalanan ialah 90 hari. 6. Polisi ini diterjemahkan mengikut undang-undang dan bidang kuasa Malaysia. 7. Sekiranya berlaku tuntutan kerugian, sila hubungi mana-mana pejabat cawangan OACM atau ejen anda secepat mungkin dan kemukakan semua dokumen asal resit, invois and lain-lain dokumen berkaitan. 8. Perihal Manfaat disusun secara ringkas untuk cepat dan mudah rujukan sahaja. Terma & Syarat penuh sudah sedia ada dalam dokumen Polisi. Sila hubungi OACM Customer Service Careline untuk maklumat lanjut. 9. Risalah ini untuk maklumat am sahaja. Anda dinasihatkan merujuk kepada Dokumen Keterangan Produk sebelum membeli pelan tersebut. Pengecualian dan had manfaat dinyatakan di atas adalah tidak menyeluruh. Untuk maklumat lanjut, sila rujuk pada terma-terma dan syarat-syarat tertera di dalam Polisi terbitan OACM. Sekiranya terdapat perbezaan di antara Bahasa Inggeris, Bahasa Malaysia and Bahasa Cina, versi Bahasa Inggeris akan diguna pakai.

22 TRAVEL FOR MORE! Travel For More 旅遊保險是您出外旅遊時必不可少的旅遊配套計劃, 能提供您價值更高和高枕無憂的全面旅遊保障 我們的旅遊保險計劃, 具 廣泛的醫療承保和更多符合您需求的保障 更重要的是,Travel For More 能讓您只需每日低達 3.21 令吉 * 的付費, 卻享獲最大的保障 請仔細閱讀或向您的代理查詢更多的保障和最大的節省 * 每日 3.21 令吉乃根據 14 天往返海外地區 1 的估計 (20 個國家可供選擇 ) 一人 ( 只限受保人 ) 以 45 令吉投保 100,000 令吉保險金額的計劃推算 , ,000 90,000 30, ,000,000 3., 25,000 8,000 30,000 10,000 6,000 2,000 60,000 20, ,000 5,000 10,000 30

23 A. A (RM) B 1 100, , , ,000 75,000 25, % 100% 100% (ii) 100% 100% 100% (iii) 75% 75% 75% (iv) 50% 50% 50% (v) 50% 50% 50% (vi) 50% 50% 50% (vii) 50% 50% 50% (viii) 25% 25% 25% B. 4 50, , , ,000 50, , ,000 30,000 30,000 90, , ,000 7,500 15,000 22, ,000 10,000 15,000 30, , , , ,000

24 (RM) A B C. ( Asia Assistance Network) 10,000,000 11,000,000 D. 12 (200/ 6) 400 1, , , (=100) 2,000 6,000 6,000 18, ( ) ( 1000) 15,000 8,000 25,000 (=100) 15 (200/ 6) 400 9,000 1, ,000 15,000 25,000 5,000 17,000, ,000 10,000 1,500 15,000 30, ,000 20,000 2,500 15,000 60,000 7, ,000 6,000

25 D. A (RM) B 21 5,000 15,000 20,000 60,000 2,500 7, , , ( Asia Assistance Network ) -

26 A (RM) B (RM) (RM) (RM) (RM) A (RM) B (RM) RM360 RM258 RM102

27 MEDICAL & OTHER EXPENSES 48

28 MEDICAL & OTHER EXPENSES

29 MEDICAL & OTHER EXPENSES

30

31 ABOUT OACM Overseas Assurance Corporation (Malaysia) Berhad (OACM) is licensed under Financial Services Act 2013 (FSA) and regulated by Bank Negara Malaysia. It is the general insurance arm of Great Eastern Group in Malaysia. MENGEI OACM Overseas Assurance Corporation (Malaysia) Berhad (OACM) adalah syarikat berlesen di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal oleh Bank Negara Malaysia. Ia merupakan cabang insurans am untuk Great Eastern Group di Malaysia. (OACM)2013 Fire Fire Consequential Loss Industrial All Risks Houseowner/Householder Growing Trees Marine Cargo Marine Hull Equipment Fidelity Guarantee Plate Glass Money Goods-In-Transit Public Liability Product Liability Hospital Malpractice Professional Indemnity Workmen's Compensation Employer's Liability Warehousemen/Carrier's Liability Directors & Officers Liability Contractor's All Risk Erection All Risks Machinery Breakdown Machinery Breakdown (Loss of Profit) Electronic Equipment Boiler & Pressure Vessel Deterioration of Stock Storage Tank Enhanced Comprehensive al Accident al Accident Group al Accident Family Care al Accident Traveller's al Accident Group Hospitalisation & Surgical Classic PA Easi-Drive Easi-Health Medical Plan Easi-Home Contents Easi-Protector al Accident Easi-Travel Easi-Golf Easi-Biz Family Protector al Accident Lady Protector al Accident Platinum PA al Accident Junior Protector al Accident SMI Protector

32 Overseas Assurance Corporation (Malaysia) Berhad (I02249-P) (A member of Great Eastern Holdings Limited) Level 18, Menara Great Eastern, 303, Jalan Ampang, Kuala Lumpur, Malaysia General Line / Talian Am Fax / Faks Customer Service Careline / E-mel enquiry@oac.com.my Website /Laman Web PENG Suite 2-3, Level 2, Wisma Great Eastern, No. 25, Lebuh Light, Pulau Pinang Tel: Fax: IPOH 2nd Floor, Wisma Great Eastern, No. 16 Persiaran Tugu, Greentown Avenue, lpoh, Perak Tel: Fax: ALOR SETAR 69 & 70, 1st Floor, Jalan Teluk Wanjah, Alor Setar, Kedah Tel: Fax: KOTA BHARU No. S25/5252-S, Tingkat 1, Jalan Sultan Yahya Petra, Kota Bharu, Kelantan Tel: Fax: KLANG 3rd Floor, 10 Jalan Tiara 2A, Bandar Baru Klang, Klang, Selangor Tel: Fax: MEDAN TUANKU Jalan Medan Tuanku 1, Medan Tuanku, Kuala Lumpur Tel: Fax: KUALA LUMPUR Level 18, Menara Great Eastern, 303 Jalan Ampang, Kuala Lumpur Tel: Fax: KUANTAN 1st Floor, No. 25, Jalan Dato' Lim Hoe Lek, Kuantan, Pahang Tel: Fax: SEREMBAN 103-2, Jalan Yam Tuan, Seremban, Negeri Sembilan Tel: Fax: SIBU 2nd Floor, No. 10 A-F, Wisma Great Eastern, Persiaran Brooke, Sibu, Sarawak Tel: Fax: JOHOR BAHRU Suite 13A-1, Level 13A, Menara Pelangi, Jalan Kuning, Taman Pelangi, Johor Bahru Tel: Fax: MELAKA 2-23, Jalan PM15, Plaza Mahkota, Melaka Tel: Fax: KUCHING No. 51, Level 3, Wisma Great Eastern, Lot 435, Section 54 KTLD, Travillion Commercial Centre, Jalan Padungan, Kuching, Sarawak Tel: Fax: KOTA KIBALU Suite 6.3, Level 6, Wisma Great Eastern Life, 65 Jalan Gaya, Kota Kinabalu, Sabah Tel: Fax: SERVICING OFFICES / PEJABAT PERKHIDMATAN Sandakan (Tel: ), Tawau (Tel: ), Miri (Tel: ), Batu Pahat (Tel: ), Kluang (Tel: ) & Seberang Perai (Tel: ) (Kindly refer to for the contact details) (Sila rujuk untuk maklumat perhubungan)