ACE TRAVEL INSURANCE. Travel Smarter

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1 ACE TRAVEL INSURANCE Travel Smarter Because you are ACE insured

2 You should read and understand the insurance policy and discuss with the agent or contact the insurance company directly for more information. The information provided in this brochure effective 4th December This product is underwritten by ACE Jerneh Insurance Berhad (9827-A). Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided in this document is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract. CONTENTS Introduction 03 Benefits 04 Area of Coverage 04 Trip Duration 05 Eligibility 05 Refund of Premiums 05 Plan 06 Frequently Asked Questions 06 International Benefits Table 08 Domestic Benefits Table 10 Premium Table - International 12 Premium Table - Domestic 13 Product Disclosure Sheet 15 Your worry free vacation starts here Often overlooked, travel insurance is an essential part of any trip and provides an inexpensive security net in the event of unexpected incidents during your travels. For a minimal cost, the right travel insurance will be your wisest choice for any trip to ensure an enjoyable holiday for you and your family with peace of mind. When you are ACE insured, you are insured by one of the world s largest and strongest insurers in the world. Choose the Right Travel Insurance ACE Travel Insurance is a worldwide leader in the provision of travel insurance products and services to millions of travelers. Our suite of products is specially designed to give you great coverage wherever your travels may take you. ACE Travel Insurance cover personal accident, comprehensive medical expenses, terrorism as well as inconveniences such as trip cancellation, flight or baggage delay and many more. With ACE Travel Insurance, during an emergency whilst traveling abroad, you will have access to the travel assistance services. With just one simple phone call at our 24 hour hotline, our call center personnel will assist and support you wherever you are. About ACE Jerneh

3 Benefits No Maximum Age Limit (Single Trip - International Plan) Child Education Fund Credit Card Indemnity 24-hour Worldwide Emergency Assistance Unlimited cover for Emergency Medical Evacuation and Repatriation Individual, Spouse & Family Plan Delays & Cancellation Loss of Travel Documents and Personal Money Covered Covers acts of Terrorism, Hijacking and Natural Disaster Lifestyle Benefits Covers leisure and business travel Emergency Concierge Service (at destination Country) Lost of luggage or travel documents Embassy Referral Weather and Foreign Exchange Information Services Emergency Message Transmission Assistance Area of Coverage International Asia Pacific: Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, China [excluding Tibet & Mongolia (inner & outer)], East Timor, Hong Kong, India, Indonesia, Japan, Korea, Krygyzstan, Laos, Macau, Maldives, Myanmar, New Zealand, Pakistan, Philippines, Singapore, Sri Lanka, Taiwan, Tajikistan, Thailand, Uzbekistan, Vietnam Worldwide: All other countries not stated in the above except Cuba Trip Duration International Single Trip Plan - max 183 consecutive days per trip Annual Plan - max 90 consecutive days per trip Domestic Single Trip Plan - 30 consecutive days per trip Eligibility International Single Trip Plan : Min 30 days old, no maximum age limit Annual Plan: Above 18 and below 70 years of age, with policy renewal age of 80 (annual policy for International plan only) Domestic Single Trip Plan : Min 30 days old, 80 years of age * If a child is below the age of 18 years, parent/guardian can purchase this insurance for the benefits of this child * Dependent Child/Children min 30 days old, but not more than 18 years of age or not more than 23 years of age and a full-time student at a recognized school, college or university and legally dependent on the insured or their spouse Domestic Within Malaysia 4 5

4 Plan 1. Individual One (1) Insured Person 2. Insured & Spouse Insured Person and one (1) legal spouse that is recognised under the Laws of Malaysia 3. Family Insured person, one (1) legal spouse and unlimited accompanying Dependent Child(ren) Dependent Child(ren) under this plan must be accompanied by at least one parent/guardian Dependent Child mean legally dependent, unmarried children (including step-children and legally adopted children) who are wholly dependent on the insured, aged minimum 30 days old and not more than 23 and a full-time student at a recognized school, college or university Your spouse s coverage is equal to yours. Each child shall receive the same benefit as you except for the Accidental Death and Permanent Disablement benefit where they are covered 25% of the amount stated in the Schedule of Benefits. Frequently Asked Questions Who is eligible to purchase? (i) The Insured Person must be a Malaysian or Malaysian Permanent Resident or a holder of a valid Malaysian work permit, employment pass, dependent pass, long-term social visit pass, valid student pass holder of at least eighteen (18) years of age on the Effective Date. (ii) the Spouse must be a Malaysian or Malaysian Permanent Resident or a holder of a valid Malaysian work permit, employment pass, dependent pass, long-term social visit pass, student pass of at least eighteen (18) years of age on the Effective Date; and (iii) the Child(ren) must be at least thirty (30) days of age and not more than eighteen (18) years (or twenty-three (23) years if studying full-time in a recognized tertiary institution) on the Effective Date What is the Emergency Contact when overseas? ACE ASSISTANCE (24 HOUR WORLDWIDE ASSISTANCE SERVICES) Tel: (24 hours) I am pregnant. Will I be covered for any pregnancyrelated matters while I am overseas? No, the policy does not cover any pregnancy-related issues other than accidental miscarriage due to bodily injury as a result of an accident. How do I make a claim? On the happening of any occurrence likely to give rise to a claim under this Policy, You or Your legal representative must give us written notice as soon as possible and, in any event, within 30 days after the date of occurrence. A copy of the claim form is available on our website www. acejerneh.com.my or you may request it from :- ACE Travel Insurance Claim Services What are the compulsory documents required for my claims? Compulsory Documents - Confirmed itinerary, travel agent invoice and boarding pass Travel Inconveniences - Property Irregularity report for baggage delay/notification from airline or transport carrier confirming the reason for the delay/travel overbooked/rerouting of flight Medical Related Claims - Original medical receipts and doctor s report/diagnosis Loss related incident - Police report ( must be lodged within 24 hours) Please refer to claims checklist for all required supporting documents. 6 7

5 International Benefits Table (RM) Medical & Travel Accident Benefits Personal Accident - Accidental Death Per Adult Per Child Personal Accident - Permanent Disablement Per Adult Per Child 300,000 75, ,000 75, ,000 81, ,000 81,250 Child Education Fund 10,000 15,000 Overseas Medical Expenses ENHANCED Follow up Medical Expenses in Malaysia ENHANCED 350,000 below 75 80,000 above 75 10,000 below 75 5,000 above days 400,000 below ,000 above 75 15,000 below 75 10,000 above 75 years old 30 days Alternative Treatment 500 1,000 Emergency Medical Evacuation Repatriation of Mortal Remains Daily Hospital Income Unlimited Unlimited 250 Per Day/max 60 days below Per Day/max 60 days above 65 (Max 15,000) Unlimited Unlimited 350 Per Day/max 60 days 100 Per Day/max 60 days above 65 (Max 21,000) Compassionate visit 10,000 10,000 Child Guard 10,000 10,000 Travel Inconvenience Benefits Travel Cancellation 20,000 per individual Travel Curtailment Loss/Damage of Personal Effects and/or Baggage Single Article Limit Maximum Amount Payable 20,000 per individual 500 5,000 25,000 per individual 25,000 per individual 500 7,500 *Please refer to the scale of benefits for death & disablement Loss of Notebook Computer Baggage Delay (overseas) Baggage Delay (Malaysia) Travel Delay 1,000 (Separate benefit from loss of Personal Effect) 6hrs/200 Per Individual max 800 Per Family max 2,400 6hrs/200 Per Individual max 200 Per Family max 600 6hrs/200/ max 3,600 1,500 (Separate benefit from loss of Personal Effect) 6hrs/200 Per Individual max 1,000 Per Family max 3,000 6hrs/200 Per Individual max 400 Per Family max 1,200 6hrs/200/ max 3,600 Travel Re-route 6hrs/200/max 600 6hrs/200/max 600 Flight Overbooked 6hrs/200/max 600 6hrs/200/max 600 Travel Misconnection 6hrs/200/max 600 6hrs/200/max 600 Missed Departure 6hrs/200/max 600 6hrs/200/max 600 Loss of Travel Documents NEW Loss of Money (Separate benefit from loss of travel doc) 5,000 7, Personal Liability 1,000,000 1,500,000 Hijack Inconvenience 24hrs/400/max hrs/400/max 800 Loss of Credit Card (report to credit card issuance company within 6 hours from theft) Emergency Mobile Phone Charges Hour Assistance Access 24hr Travel Assistance Included Included 24hr Other Assistance Included Included Lifestyle GOLF - Hole - In - One (Reimbursement for entertainment expenses incurred upon achieving hole-in-one Golf Equipment (Reimbursement for theft on Golf Equipment) ,

6 Unused Green Fees (Covers unredeemable unused Green Fees paid in advance due to Bodily Injury or Sickness) Pet Care (pays RM50 per 24 hours for delay of return flight to Malaysia resulting in placing your dog/ cat at a certified pet boarding facilities for an extended period) Home Inconvenience Allowance Age Criteria Adult ENHANCED - 1,000 24hrs/50/50 24hrs/50/100 3,000 5,000 No Max Age Limit - Single Trip Max Age Limit: 80 - Annual Plan Child 30 days to 17 Other Notes Per trip max day of coverage - Per trip - ENHANCED Per trip max day of coverage - Annual Domestic Benefits Table (RM) Medical & Travel Accident Benefits Personal Accident - Accidental Death Per Adult Per Child Personal Accident - Permanent Disablement Per Adult Per Child Medical Expenses (*Accident Only) Emergency Dental Expenses (*Accident Only) Daily Hospital Income Amount per 24 hours Maximum Amount Payable Medical Evacuation & Repatriation Repatriation of Mortal Remains No Max Age Limit - Single Trip Max Age Limit: 80 - Annual Plan 30 days to days 183 days 90 days 90 days 100,000 25, ,000 25, ,000 50, ,000 50,000 20,000 25,000 Included above - 100, ,000 Included above 100 3, , ,000 Compassionate Allowance Child Guard Travel Inconvenience Benefits Loss/Damage of Baggage & Personal Effects Single Article Limit Maximum Amount Payable Checked-In Baggage Delay Amount per 6 hours Maximum amount payable Travel Delay Amount per 6 hrs Maximum Amount Payable 500 1, , , ,000 Travel Cancellation/Curtailment 1,500 2,000 Personal Liability Lifestyle Benefits GOLF - Hole - In - One (Reimbursement for entertainment expenses incurred upon achieving hole-in-one Golf Equipment (Reimbursement for theft on Golf Equipment) Unused Green Fees (Covers unredeemable unused Green Fees paid in advance due to Bodily Injury or Sickness) 250, ,000 Home Inconvenience Allowance Hour Assistance Access 24hr Travel Assistance Included Included Age Criteria Adult Child 30 days to days to 18 Other Notes Per Trip Max Day of Coverage 90 days 90 days 10 11

7 Premium Table - International This document and the price(s) displayed here are only valid until the Good and Services Tax (GST) comes into force. If you receive this document after GST comes into force, please get an updated version of this document from us or check with us for the GST inclusive price(s). Individual Plan (excluding Stamp duty) / (RM) Additional Week Annual Plan Additional Week Annual Plan Insured & Spouse Plan (excluding Stamp duty) / (RM) Additional Week Annual Plan Additional Week Annual Plan Family Plan (excluding Stamp duty) / (RM) Additional Week Annual Plan Additional Week Annual Plan 1,100 1,280 Premium Table - Domestic Individual Plan (excluding Stamp duty) / (RM) Trip Duration 1-3 days days days days Insured & Spouse Plan (excluding Stamp duty) / (RM) Trip Duration 1-3 days days days days

8 Family Plan (excluding Stamp duty) / (RM) Trip Duration 1-3 days days days days Area of Coverage Within Malaysia Beyond 50km from your residence Product Disclosure Sheet 1. What is this product about? This policy provides compensation in the circumstances as described in the policy during your travel within the period of Insurance. Please refer to the Schedule of Benefits for full details. 2. What are the covers / benefits provided? Please refer to the Schedule of Benefits in this brochure. 3. How much premium do I have to pay? Please refer to the premium table in this brochure. 4. What are the fees and charges that I have to pay? Commissions paid to the insurance agent : Twenty five percent of premiums Stamp duty : RM10.00 Tax (if any) : Six percent of premium rates. 5. What are some of the key terms and conditions that I should aware of? Eligibility for cover International -- Single Trip: Minimum 30 days old, no maximum age limit -- Annual Plan: Above 18 and below 70 years of age, with policy renewal age of 80 years (annual policy for international plan only) Domestic -- Single Trip: Minimum 30 days old, age of 80 years. ACE Assistance (24 hours) * If a child below the age of 18 years, parents/ guardian can purchase this insurance for the benefits of this child. * Dependent child/children - minimum 30 days old not more than 18 years of age or not more than 23 years of age and a full time student at a recognized school, college or university and legally dependent on the insured or their spouse

9 Trip Duration International Single Trip Plan consecutive days per trip Annual Plan - max 90 consecutive days per trip Domestic Single Trip Plan - 30 consecutive days per trip Trip Commencement All trips must commence in Malaysia Eligibility Individual One (1) Insured Person Insured & Spouse Insured Person and one (1) legal spouse that is recognised under the Laws of Malaysia Family Insured person, one (1) legal spouse and unlimited accompanying Dependent Child(ren) Dependent Child mean legally dependent, unmarried children (including step-children and legally adopted children) who are wholly dependent on the insured, minimum 30 days old, but not more than 18 years of age or not more than 23 years Claims Procedure On the happening of any occurrence likely to give rise to a claim under this Policy, You or Your legal representative must give us written notice as soon as possible and, in any event, within 30 days after the date of occurrence. A copy of the claim form is available on our website or you may request it from:- ACE Travel Insurance Claim Services Importance of Disclosure Your Duties to Us: You must take reasonable care a) not make a misrepresentation to Us (ACE Jerneh Insurance Berhad) when answering any questions We ask in this proposed form; b) to disclose to Us any matter, other than what We have asked in (a) above, that You know to be relevant to Our decision on whether to accept risk or not and the rates and terms to be applied. c) cash before cover - full premium must be paid and received by us before the insurance cover under the policy can commerce Your duty to take reasonable care for (a) above shall be based on what a reasonable person in your circumstances would have known. 6. What are the major exclusions under this policy? This policy does not cover death or injury caused by any of the following: a) Declared or undeclared war or riot or civil commotion or invasion b) Loss, destruction or damage from radiations, chemical or nuclear c) Self-inflicted injury and Suicide d) Insured person engaging in aviation, other than as fare-paying passenger in commercial airline e) Violation of law by Insured person or illegal acts f) Insured person acting as law enforcement officer, emergency medical or fire service personnel, civil defence personal or similar capacity, whether fulltime service or as a volunteer g) Insured person taking part in semi-professional and professional sports or Hazardous Adventure h) Human Deficiency Syndrome (HIV), Acquired Immune Deficiency Syndrome (AIDS) or AIDS related Complications (ARC) i) Diving beyond 25 meters in depth j) High altitude activities of 2,500 meter above sea level k) Pre-existing medical conditions l) Pregnancy or childbirth or miscarriage or abortion m) Trip undertaken against the advice of doctor n) Loss or expenses with respect to Cuba or causing Us in breach of trade or economic sanctions o) Engaging in offshore activities, mining, aerial photography, explosives handling 16 17

10 Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy. 7. Can I cancel my policy? You may cancel Your policy by giving a written notice to Us. However, there is no refund of premium once the policy is issued. 8. What do I need to do if there are changes to my contact/personal details? It is important that You inform Us of any change of contact and personal details to ensure all communications are delivered to You in a timely manner. 9. Where can I get further information? Should you require additional information about personal accident insurance, please refer to the insuranceinfo booklet on Travel Insurance, available at all Our branches or You can obtain a copy from the insurance agent or visit For enquiries, you may also reach us at :- ACE Jerneh Insurance Berhad (9827-A) Wisma ACE Jerneh, 38 Jalan Sultan Ismail Kuala Lumpur ACE Travel Insurance Customer Service Toll Free: Fax: ACE Travel Insurance Claims Services Other types of Personal Accident cover available: Please refer to our website at About ACE Jerneh ACE Jerneh Insurance Berhad (ACE Jerneh) in Malaysia is a company of ACE Group, one of the world s largest multiline property and casualty insurers. With operations in 54 countries, ACE provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. ACE Limited, the parent company of ACE Group, is listed on the New York Stock Exchange (NYSE: ACE) and is a component of the S&P 500 index. ACE Jerneh provides a comprehensive range of general insurance solutions for large corporates, small and medium-sized businesses, as well as individuals through a multitude of distribution channels. With a strong underwriting culture, ACE Jerneh offers responsive service and market leadership built on financial strength. It has a network of 23 branches and more than 2,000 agents nationwide

11 Contact Us ACE Jerneh Insurance Berhad (9827-A) (Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia) Wisma ACE Jerneh 38 Jalan Sultan Ismail Kuala Lumpur Tel: (603) Fax: (603) ACE Travel Insurance Customer Service Toll Free: Fax: (603) ACE Travel Insurance Claim Services ACE Assistance Tel: (603) (24 hours) About ACE Travel Insurance ACE Travel Insurance is a worldwide leader in the provision of travel insurance products and services to millions of travellers. Our suite of products is specially designed to give you greater coverage wherever you travel. ACE Travel Insurance provides travel insurance coverage such as trip cancellation, flight or baggage delay, personal accident protection, comprehensive medical expenses cover, terrorism cover and more. With ACE Travel Insurance, you will have access to the travel assistance services when faced with an emergency whilst travelling abroad. With one simple phone call, you will be connected to our 24-hour emergency hotline. Our call centre personnel will assist and support you wherever you are. For more information, visit ACE insured means being protected by one of the world s leading insurance companies with people who understand your risks and go out of their way to help ACE Group. Coverages underwritten by one or more companies of the ACE Group. Not all coverages available in all jurisdictions. ACE, ACE logo, and ACE insured are trademarks of ACE Limited. 11/14/V7 Authorised Outbound Travel Insurance Service Provider

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