Travel Protector Flight delays. Loss of luggage. Illness. An accident. Whether you are on a business trip or on holiday with your family, any of these

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1 BANCASSURANCE Travel Protector For your safety wherever you travel Call us now at , visit Alliance Bank branches or log on to Underwritten by MSIG Insurance (Malaysia) Bhd. (46983-W) Alliance Bank Malaysia Berhad (88103-W)

2 Travel Protector Flight delays. Loss of luggage. Illness. An accident. Whether you are on a business trip or on holiday with your family, any of these common travel problems could leave you stranded and helpless far from home. The result could be a financial disaster. That s why you need the protection of Alliance Travel Protector Insurance, for protection throughout your journey. Key Features and Benefits: short term cover Personal Accident Up to RM250,000 disablement that prevent you from working. Benefits Adult (RM) Child (RM) Death 250,000 62,500 Loss of sight or limb(s) or permanent total disability 250, ,000 Medical & other expenses Up to RM300,000 (age 69 and below) or up to RM150,000 (age 70 and above) We will reimburse the actual necessary and reasonable medical, surgical, or hospital charges and emergency dental treatment charges incurred as a result of accidental bodily Hospital Income Up to RM15,000 If you are admitted to a registered hospital during your journey overseas due to accidental Emergency Medical Evacuation & Repatriation Up to RM1,000,000 MSIG Assist will arrange evacuation and make the necessary transportation arrangement to the nearest hospital when medically appropriate and back to Malaysia where applicable. Burial & Cremation Up to RM5,000 ashes to Malaysia. Repatriation of Mortal Remains Up to RM1,000,000 MSIG Assist will arrange for repatriation of mortal remains to Malaysia in the event of death during travel.

3 Compassionate Care* Up to RM5,000 hospitalisation of insured person. Child Care* Up to RM5,000 accompany children back home due to hospitalisation of insured person. Child Education Fund Up to RM7,500 Lump sum payment for dependent child upon accidental death of insured person. Luggage & Personal Effects* Up to RM5,000 notebook up to RM1,000. Luggage Delay Up to RM800 RM800. Personal Money Up to RM1,000 We will pay for your loss of cash and travelers cheques due to robbery or theft during the journey overseas. Travel Document* Up to RM5,000 during the journey, we will reimburse necessary additional accommodation and Travel Cancellation* Up to RM18,000 your planned trip is cancelled due to death, illness or accidental bodily injury which requires hospitalisation or compulsory confinement and unfit to travel as certified by a medical practitioner to you or your family member or your travelling companion registered for the journey with you, or due to fire or natural disasters happening to or due to natural disasters including but not limited to flood, earthquake, tsunami or hurricane at the planned destination. Travel Curtailment* Up to RM18,000 If you need to curtail the trip due to accidental bodily injury or illness which required hospitalisation or due to your death or the death of your family member or your travelling companion registered for your journey with you, we will pay the non-refundable part to include natural disasters including but not limited to flood, earthquake, tsunami or hurricane which prevents you from continuing your journey. Travel Overbooked^ Up to RM1,000 If your confirmed schedule aircraft, sea vessel or train is overbooked, we will

4 Travel Delay^ Up to RM3,600 In the event of the scheduled carrier in which you are booked to travel is delayed, Missed Travel Connection^ Up to RM600 In the event of your confirmed onward scheduled carrier is misconnected and your RM600 for the inconvenience. Missed Departure*^ Up to RM1,000 If you miss a scheduled carrier as a result of mechanical breakdown of public transport services to get you to the departure port or train station (as stated in your ticket), we will reimburse the necessary and reasonable accommodation and travel costs incurred. Travel Reroute^ Up to RM250 delayed for more than 6 consecutive hours. Loss of Use of Hotel Facilities Up to RM2,000 riot, strike or industrial action. Loss of Travel Deposit Up to RM7,500 Additional Cost of Rental Car Return* Up to RM1,000 If you are unable to return a hired car due to an accident or hospitalisation, we will reimburse you for additional costs of rental car incurred. Personal Liability Up to RM1,000,000 to property. Home Protection RM500 your home due to fire or burglary during your travel period. 24-hour Travel Worldwide Assistance Free with Alliance Travel Protector Wherever you are in the world, you can rely on MSIG Assist to come to your rescue. required cards. ^ This insurance will only pay for one claim made under either one of these sections.

5 Premium Area 1 Area 2 Area 3 Area 4 No. of Days Insured Only (RM) Insured & Spouse(RM) Family (RM) 1-5 days days days days Each additional week Annual years old 242 Not applicable Premium Renewable up to 80 years old 305 Not applicable No. of Days Insured Only (RM) Insured & Spouse(RM) Family (RM) 1-5 days days days days Each additional week Annual years old 294 Not applicable Premium Renewable up to 80 years old 357 Not applicable No. of Days Insured Only (RM) Insured & Spouse(RM) Family (RM) 1-5 days days days days Each additional week Annual years old 357 Not applicable Premium Renewable up to 80 years old 420 Not applicable No. of Days Insured Only (RM) Insured & Spouse(RM) Family (RM) 1-5 days days days days Each additional week and Vietnam. Syria.

6 Frequently Asked Questions 1 Who is eligible to apply? and the age limit of child is above 30 days and below 18 years. For Annual Cover, all applicants must be between 18 to 69 years old at first the Plan before that age and have remained continuously covered thereafter, up 2 Can I buy a separate cover for my child? and one of the Parent must sign the proposal form on the life of the Insured Person. 3 Are there any exclusions? medical advice or treatment abroad depressions and mental illness This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy 4 How do I make a claim in the event of loss / damage? respect of any event that may give rise to a claim.

7 admittance and discharge from hospital of medical claims. airline. Travel Reroute. for loss of use of hotel facilities. 5 Can I claim for travel delay in the event of a terrorist attack at the Airport? bodily injury sustained through acts of terrorism provided that there is no liability when such acts of terrorism involve the use of biological, chemical agents or nuclear devices. 6 How do I cancel my policy and get a refund of the premiums paid? 7 How do I enroll for the policy? Just complete the attached proposal form and send it to us, or your insurance adviser, for immediate processing. 8 When does my coverage start? For annual cover application the cover begins from the inception date of policy. Any trip cancellation is automatically covered during the period of insurance. As for single trip, it depends on the application date. 9 How do I lodge a complaint if I am unhappy with the product or services? If you have a complaint about our product or services, or you are not satisfied with the rejection or offer of any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre. If you are still not satisfied with the decision, you can write either to the Customer free of charge.

8 Terms and Conditions for each trip. Cash Before Cover been paid. Importance of Disclosure would affect the risk profile. IMPORTANT NOTES 1 The descriptions of cover are a brief summary for quick and easy reference. 3 GST Clause policyholder, you are required to pay GST which shall form part of the Terms and Conditions in your Insurance Policy. MSIG Insurance (Malaysia) Bhd (46983-W) Alliance Bank Malaysia Berhad (88103-W) 3rd Floor, Menara Multi-Purpose Capital Square

9 250,000 62, , ,000

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11

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15 1 3 4 MSIG Insurance (Malaysia) Bhd (46983-W) Alliance Bank Malaysia Berhad (88103-W) 3rd Floor, Menara Multi-Purpose Capital Square

16 Travel Protector Kelewatan penerbangan. Kehilangan bagasi. Diserang penyakit. Berlakunya kemalangan. Sama ada anda ke luar negeri atas tujuan perniagaan ataupun bercuti bersama keluarga, salah satu daripada masalah biasa di atas boleh menyebabkan anda terkandas dan tidak mampu berbuat apa-apa sedangkan anda berada jauh dari tanahair. Ia boleh mendatangkan masalah kewangan yang besar. Demi perlindungan sepanjang perjalanan anda, anda perlukan perlindungan Alliance Travel Protector Insurance. Ciri-Ciri dan Manfaat-Manfaat Utama terpakai untuk Perlindungan Jangkamasa Pendek pembakaran mayat Kemalangan Diri Sehingga RM250,000 anggota dan hilang upaya kekal menyeluruh yang menghalang anda daripada bekerja. Manfaat Dewasa (RM) Kanak-Kanak (RM) Kamatian 250,000 62,500 Kehilangan penglihatan atau anggota atau hilang upaya kekal menyeluruh 250, ,000 Perbelanjaan Perubatan dan Lain-Lain Sehingga RM300,000 (umur 69 tahun dan ke bawah) atau sehingga RM150,000 (umur 70 tahun dan ke atas) Kami akan membayar balik kos sebenar yang perlu dan munasabah untuk rawatan perubatan, pembedahan atau caj hospital dan caj rawatan kecemasan pergigian yang disebabkan oleh kecederaan tubuh akibat kemalangan atau penyakit sewaktu perjalanan anda di luar tanahair. Pendapatan Hospital Sehingga RM15,000 Sekiranya anda dimasukkan ke hospital berdaftar di luar tanahair disebabkan oleh kecederaan tubuh akibat kemalangan atau penyakit yang dialami semasa perjalanan,

17 Pemindahan Perubatan Kecemasan dan Repatriasi Sehingga RM1,000,000 sesuai. Pengebumian dan Pembakaran Mayat Sehingga RM5,000 Penghantaran Balik Jenazah Sehingga RM1,000,000 semasa perjalanan. Penjagaan Ehsan* Sehingga RM5,000 keluarga bagi penginapan, komunikasi, tiket penerbangan kelas ekonomi, perbelanjaan perjalanan dan makanan oleh kerana kematian atau kemasukan ke hospital orang yang diinsuranskan. Penjagaan Anak* Sehingga RM5,000 bagi penginapan, komunikasi, tiket penerbangan kelas ekonomi, perbelanjaan perjalanan oleh kerana orang yang diinsuranskan dimasukkan ke hospital. Tabung Pendidikan Anak Sehingga RM7,500 Kami akan membuat bayaran secara sekali gus kepada anak yang ditanggung berikutan Bagasi dan Barangan Peribadi* Sehingga RM5,000 kepada bagasi dan barangan peribadi anda, tertakluk kepada sehingga maksimum Kelewatan Bagasi Sehingga RM800 Wang Peribadi Sehingga RM1,000 Kami akan membayar kehilangan wang tunai dan cek pengembara anda akibat rompakan atau kecurian sewaktu perjalanan di luar tanahair. Dokumen Perjalanan* Sehingga RM5,000 di luar tanahair, kami akan membayar balik perbelanjaan penginapan dan perjalanan tambahan yang ditanggung sewaktu mendapatkan permit baru untuk meneruskan perjalanan anda.

18 Pembatalan Perjalanan* Sehingga RM18,000 tanahair sekiranya perjalanan yang dirancang terpaksa dibatalkan akibat kematian, penyakit atau kecederaan tubuh akibat kemalangan yang memerlukan kemasukan ke hospital atau terpaksa berkurung dan tidak layak untuk mengembara seperti yang disahkan oleh seorang pengamal perubatan kepada anda atau ahli keluarga anda atau teman perjalanan anda yang didaftarkan untuk perjalanan bersama-sama anda, atau disebabkan oleh telah dirancang atau disebabkan oleh kejadian mogok, kekacauan awam, rusuhan atau kekecohan yang tidak dijangka. Pemendekan Perjalanan* Sehingga RM18,000 Sekiranya anda terpaksa memendekkan perjalanan akibat kecederaan tubuh yang disebabkan oleh kemalangan atau penyakit yang memerlukan kemasukan ke hospital atau disebabkan oleh kematian anda atau ahli keluarga anda atau teman perjalanan anda yang didaftarkan untuk perjalanan bersama-sama anda, kami akan membayar bahagian yang tidak boleh dikembalikan ke atas perjalanan anda mengikut kadar hari-hari yang tidak digunakan yang telah dibayar di tanahair. Perlindungan ditawarkan kepada termasuk bencana alam termasuk tetapi tidak terhad kepada banjir, gempa bumi, tsunami atau taufan yang menghalang anda daripada meneruskan perjalanan anda. Perjalanan Terlebih Tempahan^ Sehingga RM1,000 Sekiranya berlaku keadaan tempahan berlebihan ke atas kapal terbang, kapal laut Kelewatan Perjalanan^ Sehingga RM3,600 Sekiranya penerbangan yang ditempah untuk perjalanan anda mengalami kelewatan, Kegagalan Menyambung Perjalanan^ Sehingga RM600 Sekiranya anda terlepas sambungan perjalanan anda menerusi kapal terbang, kapal laut anda alami. Ketinggalan Perlepasan*^ Sehingga RM1,000 Sekiranya anda tidak dapat sampai ke pelabuhan berlepas, lapangan terbang atau stesen perkhidmatan pengangkutan awam sewaktu bertolak pertama kali dari rumah atau mana-mana tempat di luar tanahair, kami akan membayar balik kos penginapan dan perjalanan perlu dan munasabah yang ditanggung.

19 Lencongan Perjalanan^ Sehingga RM250 Sekiranya perjalanan anda terpaksa dilencongkan kerana anda telah mengalami Kehilangan Penggunaan Kemudahan Hotel Sehingga RM2,000 Sekiranya anda tidak dapat menggunakan kemudahan hotel akibat kebakaran, mogok kehilangan penggunaan tersebut. Kehilangan Deposit Perjalanan Sehingga RM7,500 Sekiranya perjalanan yang anda rancang dibatalkan kerana ketakmampuan bayar Ejen Pelancongan anda, kami akan membayar balik perbelanjaan prabayar anda di tanahair melibatkan Pelan Keluarga. Kos Tambahan Pemulangan Kereta Sewa Sehingga RM1,000 Sekiranya anda tidak dapat memulangkan kereta sewa akibat kemalangan atau dimasukkan ke hospital, kami akan membayar balik kos tambahan kereta sewa yang anda tanggung. Liabiliti Peribadi Sehingga RM1,000,000 Kami akan membayar liabiliti anda mengikut undang-undang kepada pihak ketiga untuk Perlindungan Barangan Isi Rumah RM500 kepada barangan isi rumah anda yang disebabkan oleh kebakaran atau kecurian sewaktu tempoh perjalanan anda. Bantuan Perjalanan Seluruh Dunia 24 Jam Percuma dengan Alliance Travel Protector operator Talian Bantuan kami untuk mengembalikan panggilan anda, jadi anda tidak perlu bimbang tentang caj panggilan. Anda boleh membuat panggilan untuk mendapatkan repatriasi diperlukan kredit. ^ Insurans ini hanya akan membuat bayaran untuk satu tuntutan yang dibuat di bawah salah satu daripada seksyen berikut.

20 Premium Kawasan 1 Kawasan 2 Kawasan 3 Tempoh Insurans Orang yang Diinsuranskan Sahaja (RM) Orang yang Diinsuranskan dan Pasangan (RM) Keluarga (RM) 1-5 hari hari hari hari Setiap minggu tambahan Perlindungan tahunan Umur tahun 242 Pembaharuan sehingga umur 80 tahun Tempoh Insurans 305 Orang yang Diinsuranskan Sahaja (RM) Orang yang Diinsuranskan dan Pasangan (RM) Keluarga (RM) 1-5 hari hari hari hari Setiap minggu tambahan Perlindungan tahunan Umur tahun 294 Pembaharuan sehingga umur 80 tahun Tempoh Insurans 357 Orang yang Diinsuranskan Sahaja (RM) Orang yang Diinsuranskan dan Pasangan (RM) Keluarga (RM) 1-5 hari hari hari hari Setiap minggu tambahan Perlindungan tahunan Umur tahun 357 Pembaharuan sehingga umur 80 tahun 420 Kawasan 1 Thailand dan Vietnam. Kawasan 2 Kawasan 3 dan Syria. Kawasan 4

21 Soalan-Soalan yang Sering Ditanya 1 Siapakah yang layak untuk memohon? hanya untuk Perlindungan Satu Perjalanan sahaja dan had umur anak adalah dengan syarat anda memohon untuk Pelan ini sebelum umur tersebut dan telah 2 Bolehkah saya membeli polisi yang berasingan untuk anak saya? Ya, dan kadar premium adalah berdasarkan pelan individu dan untuk Perlindungan 3 Adakah terdapat sebarang pengecualian? Ya. Polisi ini tidak melindungi kerugian atau kerosakan yang disebabkan secara rawatan pesakit dalam mendapatkan nasihat atau rawatan perubatan di luar negara profesion Senarai ini tidak lengkap. Sila rujuk kepada kontrak polisi untuk senarai penuh pengecualian di bawah polisi ini

22 Soalan-Soalan yang Sering Ditanya (Sambungan) 4 Bagaimanakah boleh saya membuat tuntutan? anda sekiranya anda ingin membuat tuntutan. pengesahan kemasukan dan keluar dari hospital yang asal. dirosakkan oleh kapal terbang. mengenai jangkamasa dan sebab-sebab kelewatan jika anda menuntut dan kecurian wang. tuntutan bagi kehilangan penggunaan kemudahan hotel. 5 Bolehkah saya menuntut untuk kelewatan perjalanan jika berlaku serangan pengganas di Lapangan Terbang? Tidak boleh. Perlindungan dari serangan pengganas hanyalah ke atas kematian atau kecederaan Pemegang Polisi, dan itupun hanya bila tiada penggunaan senjata biologi, kimia atau nuklear dalam serangan pengganas. 6 Bagaimanakah saya boleh membatalkan polisi saya dan mendapatkan balik premium yang sudah dibayar oleh saya? Anda tidak boleh membatalkan polisi ini untuk mendapat balik premium yang dikeluarkan. 7 Bagaimanakah boleh saya memohon untuk polisi ini? penasihat insurans anda untuk diproseskan dengan serta-merta. 8 Bilakah perlindungan saya bermula? Bagi permohonan perlindungan tahunan perlindungan bermula dari tarikh permulaan polisi. Sebarang pembatalan perjalanan adalah dilindungi secara automatik dalam tempoh insurans. Bagi perjalanan tunggal, ia bergantung kepada tarikh permohonan.

23 9 Bagaimanakah saya mengemukakan aduan kalau saya tidak berpuas hati dengan produk atau perkhidmatan? Jika anda ingin mengadu tentang produk atau perkhidmatan kami, atau anda tidak berpuas hati dengan penolakan atau tawaran ke atas tuntutan, anda boleh cuba menyelesaikan aduan itu dengan Pusat Perkhidmatan Pelanggan kami terdahulu. Kalau anda masih tidak berpuas hati dengan keputusannya, anda boleh Pengantaraan Kewangan untuk mendapatkan bantuan secara percuma. Terma dan Syarat selepas anda telah berlepas ke destinasi anda. Tunai Sebelum Perlindungan dibayar telah dibayar. Kepentingan Pendedahan manfaat anda. tidak dibeli pada atau sebelum tarikh pendaftaran atau bayaran penuh untuk perjalanan anda. penerbangan carter di dalam perjalanan anda.

24 NOTA-NOTA PENTING mudah. Terma dan Syarat yang tepat adalah terkandung di dalam Dokumen Polisi. penasihat insurans anda untuk bantuan. Fasal GST penuh atau secara pro-rata sekiranya tempoh polisi anda menjangkau lebih Terma dan Syarat dalam Polisi Insurans anda. ini, versi Bahasa Inggeris akan diguna pakai MSIG Insurance (Malaysia) Bhd (46983-W) Alliance Bank Malaysia Berhad (88103-W) 3rd Floor, Menara Multi-Purpose Capital Square

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