Travel Personal Accident
You love to travel. But there are so many uncertainties when you’re away from home.
Etiqa Takaful understands that in order for you to enjoy yourself on your holiday, you want peace of mind and to be free of any worries. That’s why there’s Etiqa Takaful Travel Personal Accident Takaful.
SECTION 1 – PERSONAL ACCIDENT
Should any of the Participants experience bodily injury caused by way of violent manner or situation, unintentional, by war of external and obvious and the said injury without any other reasons causes death or disability, the Company will administer the payment to the Participant or the Participant’s legal personal representative as indicated below:
Death
Loss of one or both hands or legs or } Capital Amount
loss of sight of one or both eyes } stated in the appended
that cannot be recovered } schedule
Total Permanent Disability due to performing normal work
Temporary Total Disability – None
Temporary Partial Disability – None
No administration of payment will be made for (a), (b) and (c) unless death, loss or the disability occurs within twelve months from the date when the bodily injury happened.
SECTION 2 – MEDICAL EXPENSES
The Company will administer all medical and surgical expenses incurred to the Participant or his legal representative due to the bodily injury by way of or situation that is unintentional, violent, externally and obvious, at the limit stipulated in the Schedule.
On the condition that the Company is not held responsible for the “excess” amount stipulated in the Schedule for each claim from every Participant.
AUTOMATIC EXTENSION
If a participant is unable to continue the Journey due to transportation delays that cannot be avoided, the period of the Policy will be extended automatically without additional contribution by the Participant for the period of the Journey.
EXCLUSIONS
The Company is not responsible for the death or disability, directly or indirectly caused by:
Insanity, intentional self-inflicted injury, suicide or the attempt to do so (either felony or not) or any attempt or threat either during sanity or otherwise, causing fatality or attack due to provocation.
Any bacterial infection other than the infection caused by a wound or unintentional injury, sexually-related illnesses, AIDS or other related illnesses except those caused by blood transfusion, hernia.
Pregnancy, child birth, miscarriage even though caused by an accident.
During the involvement or participation in the operation of the Government Police, Air Force services or participation in rough operations, which are planned or operated by public authority or military to fight criminals, terrorists or other elements.
Participants that are involved in hunting, obstacle horse race, any type of race (other than walking), football, polo, motorcycle, mountain climbing which requires a guide or a rope, winter sports, water skiing or cave exploration, usage of wood cutting machine or a round saw, ‘aqualung’ diving, ice hockey, parachuting, speed boat, diving show, wrestling including judo, karate and unarmed combat, offshore sailing or involved in logging unless the Company agrees via endorsement to extend the Policy period.
When one is under the influence of liquor, narcotic or drugs.
While carrying out or attempting to do anything against the law.
While in the flight for commercial purposes, technical operations, as the flight crew or flight activities other than as a passenger in the aeroplane which operates on chartered schedule or aeroplane with twin-engine or more which is rented.
Declared or non-declared war, invasion, action by foreign enemies, hostility, civil war, rebellion, revolution, mutiny, military coup de etat, riot, public commotion or strike.
Radiation or radioactive pollution from any nuclear wastes and
products or nuclear fuel.
Website Link :
http://www.etiqa.com.my/index.php?ch=tkfpersonal&pg=takaful_productlist&ac=12&tpt=4
Contact Number: 1-300-13-8888 (for calls originating from outside of Malaysia, please call 603-2780-4500)
Fax: 03-2296 1799
Email: info@etiqa.com.my
Etiqa Oneline operates from 8.30am to 6.30pm on Mondays to Fridays and 8.30am to 12.30pm on Saturday.
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