(a) Importance of disclosure:
- You must take reasonable care to ensure that all your answers to the questions are full, complete, correct and honest and to the best of your knowledge.
- You also have a duty to inform AIG Malaysia of any change in the information given to us earlier before we issue the policy schedule to you, before you renew or change any of the terms of your policy.
- If you don’t, your policy may be cancelled, or treated as if it never existed, or your claim rejected or not fully paid.
(b) Claims:
(i) All claims must be notified to us within 30 days from the date of loss.
(ii) All supporting documents proving the loss must be submitted 60 days from
the date of loss.
(iii) No claim will be admissible if notified after one year from the date of loss.
(iv) All claims save for medical benefits, evacuation & repatriation benefits,
personal liability benefits (hereinafter referred to as “Other Benefits”) will be
paid to you. Claims in relation to Other Benefits will be paid directly to third
parties, for example Travel Guard, hospitals or other services providers. In
the event of death, claims will be paid to your nominee or estate.
(c) Number of policies:
You can only be covered under one policy in respect of this insurance.
(d) Age:
(i) You must be between the ages of 15 and 45.
(ii) In the event you are below the age of 18, your parent or guardian shall be the
policyholder of this policy.
(iii) Your age will be based on the age as at your last birthday.
(e) Renewal:
You may renew your policy with the consent from AIG from term to term by payment of the premium in advance.
(f) Coverage:
Coverage shall commence 12 hours prior to departure from Malaysia and expires on the earliest:
(i) upon the expiry of the period of insurance; or
(ii) 12 hours from time of arrival in Malaysia unless Malaysia is a point of transit
subject to a maximum period of 6 months from the date studies are
completed; or
(iii) the date when an emergency medical evacuation or repatriation of mortal remains is made back to Malaysia.
