Revision Notice (GEGM)

EFFECTIVE DATE OF INSURANCE shall mean the date on which the Company has accepted the Insured Person’s risk and received the initial first two (2) months’ premiums for premiums payable on a monthly basis or the full annual premium for premiums payable on an annual basis. Your Policy will take effect on the first (1st) day or the fifteenth (15th) day of the month following the successful deduction of the premium from your credit or debit card. For premiums paid on a monthly basis, the first two (2) months’ premiums will be deducted in advance to ensure that there is continuity of payment in your premium. In the event premium deduction is unsuccessful, this Policy shall be deemed as void. In respect of an Insured Person who is a Child, the Effective Date of Insurance is the date the Child first becomes eligible under the Policy once issued, where applicable.

(1) PERIOD OF COVER AND RENEWAL This Policy shall become effective as at the date stated in the Policy Schedule. The Policy anniversary shall be one (1) year after the Effective Date of Insurance and annually thereafter. On each anniversary, this Policy is renewable at the premium rates in effect at that time as notified by the Company.

This Policy is renewable at the option of the Company. We will inform You of Our offer to renew the Policy before the Expiry Date by giving You 30 days’ prior notice.

(4) FULL PREMIUM DUE Notwithstanding the Premium Payment condition, if a claim is admitted and paid by Us during the Policy Year wherein the full annual premium payment for the particular year has not been fully paid, You shall continue to promptly pay your premium instalment failing which We shall be entitled to seek recovery for the default of the balance annual premium due.

(4) FULL PREMIUM DUE Notwithstanding the Premium Payment condition which is on a monthly basis, if a claim is admitted and paid by Us during the Policy Year wherein the full annual premium payment for the particular year has not been fully paid, You shall continue to promptly pay your premium instalment failing which We shall be entitled to seek recovery for the default of the balance annual premium due.

(6) RENEWAL This Policy is automatically renewable at the premium rates in effect at that time as notified by Us, subject to the terms and conditions of this Policy, unless otherwise instructed in writing by You to Us.Subject to the terms and conditions of this Policy and the premium rates in effect depending on the attained age next birthday of the Insured Person(s) on the anniversary of this Policy, this Policy will be automatically renewed for another Policy Year upon the Company’s receipt of payment of premium for the Renewal. No renewal documents will be issued to the Policyholder and the existing Policy Schedule issued to the Policyholder shall be evidence of valid cover.

Removed

(7) TERMINATION This Policy will be automatically terminated upon the occurrence of any of the following:(a)    non payment of premium by the premium due date;(b)    fraud or misrepresentation of material fact during the application for insurance cover under this Policy;(c)    on the effective date of cancellation of this Policy;(d)    in the event of the death of the Policyholder and his/her Spouse, where applicable, who are Insured Persons under the Policy;(e)    the Insured Person ceases to qualify as a Dependant based on the definition of the Policy;(f)     the Insured Person attains the maximum coverage age specified;(g)   termination of coverage for all policies in a certain market and the Company withdraws this Policy completely from the market in accordance with the Portfolio Withdrawal Condition; or(h)    at mid-night standard Malaysian time on the last day of the Policy Year.

(6) TERMINATION This Policy will be automatically terminated upon the occurrence of any of the following:

(a)  upon expiry of this Policy unless renewal premium has been fully paid and accepted by the Company;

(b)  fraud or misrepresentation of material fact during the application for insurance cover under this Policy;

(c)  on the effective date of cancellation of this Policy;

(d)  in the event of the death of the Policyholder and his/her Spouse, where applicable, who are Insured Persons under the Policy;

(e)  the Insured Person ceases to qualify as a Dependant based on the definition of the Policy;

(f)   the Insured Person attains the maximum coverage age specified;

(g) termination of coverage for all policies in a certain market and the Company withdraws this Policy completely from the market in accordance with the Portfolio Withdrawal Condition; or(h) 

(h) at mid-night standard Malaysian time on the last day of the Policy Year.

(9) CANCELLATION OF POLICY Other than circumstances provided under the Termination clause of this Policy, the Policy may be cancelled by You at any time by serving at least fourteen (14) days prior written notice to Us, and such cancellation shall become effective on the date Your next monthly premium is due. The Company reserves the right to cancel the Policy at any time by giving You a prior written notice to You at Your last known address, and such cancellation shall become effective on the date Your next monthly premium is due.

(8) CANCELLATION OF POLICY Other than circumstances provided under the Termination clause of this Policy, the Policy may be cancelled by You at any time by serving at least fourteen (14) days prior written notice to Us, and such cancellation shall become effective on the date Your next monthly premium is due for Policy on monthly premium payment basis or on the date of Us receiving of such cancellation request for Policy on annual premium payment basis.

For Policy on an annual premium payment basis and provided that no claim has been made during the current Policy year, upon cancellation, You shall be entitled to a refund of the premium as follows:-

CANCER shall mean the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue for which major interventionist treatment or surgery (excluding endoscopic procedures alone) is considered necessary. The Cancer must be confirmed by histological evidence of malignancy. The following conditions are excluded:

(a) Carcinorma in situ including of the cervix;

(b Ductal Carcinorma in situ of the breast;

(c) Papillary Carcinorma of the bladder and Stage 1 Prostate Cancer;

(d) All skin Cancers except malignant melanoma;

(e) Stage 1 Hodgkin's disease;

(f) Tumours manifesting as complications of AIDS.

It is a specific condition of this benefit that notwithstanding the exclusion of Pre-existing Illness, this benefit will not be payable to any Insured Person and Dependant who had been diagnosed as a Cancer patient and/or was receiving Cancer treatment prior to the Effective Date of Insurance.

(1) ELIGIBILITY

To be eligible for this Policy, the following eligibility requirements must be met:

(a) the Policyholder must be aged between eighteen (18) years next birthday and sixty-five (65) years next birthday at the time of application and renewal up to eighty (80) years next birthday;

(b) the Policyholder’s Spouse must be aged between eighteen (18) years next birthday and sixty-five (65) years next birthday at the time of application and renewal up to eighty (80) years next birthday, unless legally separated from the Policyholder;

(c) the Policyholder’s Child must be aged between thirty (30) days to eighteen (18) years next birthday or twenty–three (23) years next birthday if attending tertiary education, who is unmarried, unemployed and wholly dependent on the Policyholder for support;

(d) the Insured Persons must be citizens of Malaysia or permanent residents of Malaysia;

(e) the Policyholder must be a retail customer of OCBC Bank.

(1) ELIGIBILITY

To be eligible for this Policy, the following eligibility requirements must be met:-

(a) the Policyholder must be aged between nineteen (19) years next birthday and sixty-five (65) years next birthday at the time of application, which is renewable up to eighty (80) years next birthday;

(b) the Policyholder’s Spouse must be aged between nineteen (19) years next birthday and sixty-five (65) years next birthday at the time of application, which is renewable up to eighty (80) years next birthday, unless legally separated from the Policyholder;

(c) the Policyholder’s Child must be aged between thirty (30) days to eighteen (18) years next birthday or twenty–three (23) years next birthday if attending tertiary education, who is unmarried, unemployed and wholly dependent on the Policyholder for support;

(d) the Insured Persons must be citizens of Malaysia or permanent residents of Malaysia;(e)    the Policyholder must be a retail customer of OCBC Bank.

(23) INCOMPLETE CLAIMS

Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us. Any variation or waiver of the foregoing shall be at the Company's discretion.

(23) INCOMPLETE CLAIMS

Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us.

(25) LEGAL PROCEEDINGS

The acceptance of such proof of loss shall be at Our discretion. After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.

(25)LEGAL PROCEEDINGS

After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.

(1) PERSON ELIGIBLE

Persons eligible to be covered under this Policy are: -

(I) the Policyholder aged below sixty-five (65) years of age, renewable up to age hundred (100) years old;

(II) the Policyholder’s legal spouse aged below sixty-five (65) years of age, renewable up to one hundred (100) years old, unless legally separated from the Policyholder;

(III) the Policyholder’s unmarried children who are aged above thirty (30) days but under nineteen (19) years of age or twenty-three (23) years of age if still on fulltime higher education, and who are not gainfully employed;

(IV)  citizen of Malaysia or permanent residents of Malaysia.

(1) PERSON ELIGIBLE

Persons eligible to be covered under this Policy are: -

(I) the Policyholder aged between eighteen (18) years next birthday and sixty-five (65) years of age next birthday, which is renewable up to age hundred (100) years old next birthday;

(II) the Policyholder’s legal spouse aged up to sixty-five (65) years of age next birthday, which is renewable up to one hundred (100) years old next birthday, unless legally separated from the Policyholder;

(III) the Policyholder’s unmarried children who are aged above thirty (30) days but under nineteen (19) years of age next birthday or up to twenty-three (23) years of age next birthday if still on fulltime higher education, and who are not gainfully employed;

(IV) citizen of Malaysia or permanent residents of Malaysia.

(2) PREMIUM

The Company may at its discretion to impose premium loading on the occupation, medical condition and etc. of an Insured Person.

(2) PREMIUM

The Company may impose premium loading on the occupation, medical condition and etc. of an Insured Person.

(25) INCOMPLETE CLAIMS

Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us. Any variation or waiver of the foregoing shall be at the Company's discretion.

(25) INCOMPLETE CLAIMS

Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us.

(28) LEGAL PROCEEDINGS

The acceptance of such proof of loss shall be at Our discretion. After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.

(28) LEGAL PROCEEDINGS

After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.

(1) ELIGIBILITY

To be eligible for this Policy, the following eligibility requirements must be met:-

(a) the Policyholder must be aged between eighteen (18) years next birthday and below forty (40) years next birthday at the time of application and renewal up to eighty (80) years next birthday;

(b) the Policyholder’s Spouse must be aged between eighteen (18) years next birthday and below forty (40) years next birthday at the time of application and renewal up to eighty (80) years next birthday, unless legally separated from the Policyholder;

(c) the Policyholder’s Child must be aged between thirty (30) days to eighteen (18) years next birthday or twenty–three (23) years next birthday if attending tertiary education, who is unmarried, unemployed and wholly dependent on the Policyholder for support;

(d) the Insured Persons must be citizens of Malaysia or permanent residents of Malaysia.

(1) ELIGIBILITY

To be eligible for this Policy, the following eligibility requirements must be met:-

(a) the Policyholder must be aged between eighteen (18) years next birthday and forty (40) years next birthday at the time of application, which is renewable up to eighty (80) years next birthday;

(b) the Policyholder’s Spouse must be aged between eighteen (18) years next birthday and forty (40) years next birthday at the time of application, which is renewable up to eighty (80) years next birthday, unless legally separated from the Policyholder;

(c) the Policyholder’s Child must be aged between thirty (30) days to eighteen (18) years next birthday or twenty–three (23) years next birthday if attending tertiary education, who is unmarried, unemployed and wholly dependent on the Policyholder for support;

(d) the Insured Persons must be citizens of Malaysia or permanent residents of Malaysia.

(2) PREMIUM

We may at our discretion, impose premium loading based on the occupation, medical condition and etc. of an Insured Person.

(2) PREMIUM

We may impose premium loading based on the occupation, medical condition and etc. of an Insured Person.

(25) INCOMPLETE CLAIMS

Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us. Any variation or waiver of the foregoing shall be at the Company's discretion.

(25) INCOMPLETE CLAIMS

Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us.

(27) LEGAL PROCEEDINGS

The acceptance of such proof of loss shall be at Our discretion. After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.

(27) LEGAL PROCEEDINGS

After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.

(1) PERSON ELIGIBLE

Persons eligible to be covered under this Policy are: -

(I) the Policyholder aged below sixty-five (65) years of age, renewable up to age eighty-five (85).

(II) the Policyholder’s legal spouse aged below sixty-five (65) years of age, renewable up to eighty-five (85) years, unless legally separated from the Policyholder;

(III) the Policyholder’s unmarried children who are aged above 30 days but under 19 years of age or twenty-three (23) years of age if still on fulltime higher education, and who are not gainfully employed.

(IV) citizen of Malaysia or permanent residence of Malaysia.

(1) PERSON ELIGIBLE

Persons eligible to be covered under this Policy are: -

(I) the Policyholder aged up to (65) years of age next birthday, which is renewable up to eighty-five (85) years of age next birthday.

(II) the Policyholder’s legal spouse aged up to sixty-five (65) years of age next birthday, which is renewable up to eighty-five (85) years of age next birthday, unless legally separated from the Policyholder;

(III)  the Policyholder’s unmarried children who are aged above thirty (30) days but under nineteen (19) years of age next birthday or up to twenty-three (23) years of age next birthday if still on fulltime higher education, and who are not gainfully employed.

(IV)  citizen of Malaysia or permanent residence of Malaysia.

(2) PREMIUM

The Company may at Our discretion, impose premium loading based on the occupation, medical condition and etc. of an Insured Person

(2) PREMIUM

The Company may impose premium loading based on the occupation, medical condition and etc. of an Insured Person.

(27) INCOMPLETE CLAIMS

Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us. Any variation or waiver of the foregoing shall be at the Company's discretion.

(27) INCOMPLETE CLAIMS

Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us.

(29) LEGAL PROCEEDINGS

The acceptance of such proof of loss shall be at Our discretion. After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.

(29) LEGAL PROCEEDINGS

After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.

4. “Child” shall mean any person who has attained the age of thirty (30) days and is an unmarried person, is financially dependent upon the Insured and is under the age of nineteen (19), or up to the age of twenty-three (23) for those registered as full time students at a recognized educational institution.

4. “Child” shall mean any person who has attained the age of thirty (30) days and is an unmarried person, is financially dependent upon the Insured and is under the age of nineteen (19) years age of next birthday, or up to the age of twenty-four (24) next birthday for those registered as full time students at a recognized educational institution.

2. Persons Eligible

a) the Policyholder’s full-time permanent employees below sixty (60) years of age and renewable up to seventy (70) years of age at next birthday.       

b) the Employee’s Dependents

1. Dependents may only be included in the Policy upon the date the employee becomes eligible.
2. The spouse of a newly married employee becomes eligible on the date of his/ her marriage to the employee already covered.
3. A new born child becomes eligible on the thirtieth (30th) day following the date of its birth.
   

2. Persons Eligible

a) the Policyholder’s full-time permanent employees not exceeding sixty (60) years of age next birthday and renewable up to seventy (70) years of age next birthday.

b) the Employee’s Dependents

1. Dependents may only be included in the Policy upon the date the employee becomes eligible.
2. The spouse of a newly married employee becomes eligible on the date of his/ her marriage to the employee already covered.
3. A new born child becomes eligible on the thirtieth (30th) day following the date of its birth.
   

26. INCOMPLETE CLAIMS

Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us. Any variation or waiver of the foregoing shall be at the Company's discretion.

26. INCOMPLETE CLAIMS

Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us.

28. LEGAL PROCEEDINGS

The acceptance of such proof of loss shall be at Our discretion. After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.

28. LEGAL PROCEEDINGS

After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.

3 “Employee’s Dependents” shall mean:-
(a) a legally married spouse

(b) unmarried children over 30 days old but under nineteen (19) years of age or twenty-four (24) years of age if still on full-time higher education, and who are not gainfully employed.

4. “Child” shall mean any person who has attained the age of 30 days and is an unmarried person, is financially dependent upon the Insured and is under the age of 19, or up to the age of 23 for those registered as full time students at a recognized educational institution.

3. “Employee’s Dependents” shall mean:-
(a) a legally married spouse

(b) unmarried children over 30 days old but under nineteen (19) years of age next birthday or up to twenty-four (24) years of age next birthday if still on full-time higher education, and who are not gainfully employed.

4. “Child” shall mean any person who has attained the age of 30 days and is an unmarried person, is financially dependent upon the Insured and is under the age of 19 years next birthday, or up to the age of 24 years next birthday for those registered as full time students at a recognized educational institution.

27. INCOMPLETE CLAIMS

All claims must be submitted to the Company within 30 days of completion of the events for which the claim is being made. Claims are not deemed complete and Eligible Benefits are not payable unless all bills for such claims have been submitted and agreed upon by the Company. Only actual costs incurred shall be considered for reimbursement. Any variation or waiver of the foregoing shall be at the Company's sole discretion.

29.  LEGAL PROCEEDINGS

No action at law or in equity shall be brought to recover on this Policy prior to expiration of sixty (60) days after written proof of loss has been furnished in accordance with the requirements of this Policy. If the Insured Person shall fail to supply the requisite proof of loss as stipulated by the terms, provisions and conditions of the Policy, the Insured Person may, within a grace period of one calendar year from the time that the written proof of loss to be furnished, submit the relevant proof of loss to the Company with cogent reason(s) for the failure to comply with the Policy terms, provisions and conditions. The acceptance of such proof of loss shall be at the sole and entire discretion of the Company. After such grace period has expired, the Company will not accept, for any reason whatsoever, such written proof of loss.

29.  LEGAL PROCEEDINGS

No action at law or in equity shall be brought to recover on this Policy prior to expiration of sixty (60) days after written proof of loss has been furnished in accordance with the requirements of this Policy. If the Insured Person shall fail to supply the requisite proof of loss as stipulated by the terms, provisions and conditions of the Policy, the Insured Person may, within a grace period of one calendar year from the time that the written proof of loss to be furnished, submit the relevant proof of loss to the Company with cogent reason(s) for the failure to comply with the Policy terms, provisions and conditions. After such grace period has expired, the Company will not accept, for any reason whatsoever, such written proof of loss.

Benefit 2- Admission Recuperation Allowance is payable for hospitalisation of more than three (3) consecutive days.

Benefit 2 – Admission Recuperation Allowance is payable for hospitalisation as an patient for a minimum of four (4) consecutive days or more for treatment of a covered injury, sickness or illness.

Claims procedures –You shall within thirty (30) days of a Disability that incurs claimable expenses, give written notice to Us stating full particulars of such event, including all original bills and receipts, and a full Medical Practitioner’s report stipulating the diagnosis of the condition treated and the data the Disability commenced in the Medical Practitioner’s opinion and the Medical Practitioner’s summary of the cost of treatment including medicines and services rendered.

NA

Description of benefits – Day shall refer to the daily room and board charge by the Hospital for an overnight stay. Consecutive days shall mean days following one after the other without an interruption resulting from a discharge.

What is covered?

3. Towing Costs (to a repairer or safe place)

What is covered?

3. Towing Costs (to an Approved Repairer or safe place of storage)

Do’s and Dont’s – after you have had an accident of theft
Do:

• remove your car to a PIAM Approved Repairer or our approved panel repairer

Do’s and Dont’s – after you have had an accident or theft
Do:

• move your car to an Approved Repairer

2: Basis of Settlement

a. If Your Car is Repairable
If in Our opinion Your Car is economical to repair, We have the option to:

• arrange for Your Car to be repaired at Our approved Repairer and pay the cost of repairing Your Car to the condition which is as near as possible to the condition it was in before the loss happened;

2: Basis of Settlement

a. If Your Car is Repairable
If in Our opinion Your Car is economical to repair, We have the option to:

• arrange for Your Car to be repaired at an Approved Repairer and pay the cost of repairing Your Car to the condition which is as near as possible to the condition it was in before the loss happened;

3: Towing Costs

If Your Car cannot be driven as a result of any damage to it that is covered by this Policy, We will pay up to a maximum of RM200 for the necessary and reasonable costs to remove Your Car to the nearest approved Repairer or to a safe place of storage while awaiting repair or disposal.

3: Towing Costs

If Your Car cannot be driven as a result of any damage to it that is covered by this Policy, We will pay up to a maximum of RM200 for the necessary and reasonable costs to move Your Car to the nearest Approved Repairer or to a safe place of storage while awaiting repair or disposal.

2. Accidents and Claims Procedures

If Your Car is involved in any Incident that could lead to a claim under this Policy, You must do the following:
e. Send Your Car to any of Our approved Repairer so that We can inspect Your Car before We give approval to proceed with repairs or take reasonable action to safeguard Your Car from further loss or damage. We can refuse to pay any claim under Section A of this Policy if You breach this condition.

2. Accidents and Claims Procedures

If Your Car is involved in any Incident that could lead to a claim under this Policy, You must do the following:
e. Send Your Car to an Approved Repairer so that We can inspect Your Car before We give approval to proceed with repairs or take reasonable action to safeguard Your Car from further loss or damage. We can refuse to pay any claim under Section A of this Policy if You breach this condition.

21. Repairer

This refers to motor repair workshops approved by Us or by Persatuan Insurans Am Malaysia (PIAM) under the PIAM Approved Repairers Scheme (PARS) or any repairer that We have given You a special permission to use, for a claim.

Section F: Definitions of words highlighted in the Policy

21. Approved Repairer
This refers to any of the following:

a. motor repair workshops which are on Our panel of approved workshops; or
b. motor repair workshops approved by
Persatuan Insurans Am Malaysia (PIAM) under the PIAM Approved Repairers   Scheme (PARS); or
c. any other repairer that We have given You special permission to use. The circumstances under which a special permission may be granted by Us includes:
(i) no Approved Repairer described in (a) and (b) above is available at the location  of Your Car, and We are unable to assist You in accessing the nearest workshop on Our panel or the nearest workshop approved by PIAM under PARS;
(ii) repairs that require special expertise from specific repairers which cannot be provided by an Approved Repairer; and
(iii) franchise repairers

5. Subrogation

We are entitled to take over all rights and remedies that You may have against any third party who caused the loss. We shall have the absolute discretion in the conduct of any proceedings, at Our own costs, against the third party and in the settlement of any such claim and You shall give Us such information and assistance as We may require from time to time including assigning all rights to take action in Your name. You must however give Us Your full cooperation to protect these rights and provide all assistance and take such steps as We require.

5. Subrogation

We are entitled to take over all rights and remedies that You may have against any third party who caused the loss. We shall have the rights in the conduct of any proceedings, at Our own costs, against the third party and in the settlement of any such claim and You shall give Us such information and assistance as We may require from time to time including assigning all rights to take action in Your name. You must however give Us Your full cooperation to protect these rights and provide all assistance and take such steps as We require.

8. Prevalent Policy Wording

For avoidance of doubt, the English version of this Policy wording will prevail over the Bahasa Malaysia version at all times.

All services to be rendered as specified in the following by Asia Assistance Network (M) Sdn. Bhd. (AAN) Helpline number 03 7628 3722 / 1523 or by GREAT Auto Assist app which can be downloaded via the QR codes in this link:

https://www.greateasternlife.com/my/en/customer-services/self-service-portal/digital-services/great-auto-assist.html

AAN shall not be responsible for any other Third Party Provider charges incurred in connection with the rendering of such services to the Member. Apart from the benefits mentioned in Item (i) 1(b) hereunder, AAN shall not bear any responsibility on the Third Party Provider charges incurred in connection to the services required hereunder. All such costs and expenses incurred shall be borne by the Member.

SANCTION LIMITATION AND EXCLUSION CLAUSE (SANC)

At the sole discretion of the Company, the Company shall not be deemed to provide cover and shall not receive any payment(s) under the policy; or be liable to pay any sums (including but not limited to payment of claims, refund of premiums, surrender or cancellation payments); or provide any benefit under the policy; to the extent that the provision of such cover, payment of such sum or provision of such benefit would expose the Company to any sanction, prohibition or restriction under any laws and/or regulations, administered by any governmental, regulatory or competent authority, or any law enforcement in any country.

SANCTION LIMITATION AND EXCLUSION CLAUSE (SANC)

The Company shall not be deemed to provide cover and shall not receive any payment(s) under the policy; or be liable to pay any sums (including but not limited to payment of claims, refund of premiums, surrender or cancellation payments); or provide any benefit under the policy; to the extent that the provision of such cover, payment of such sum or provision of such benefit would expose the Company to any sanction, prohibition or restriction under any laws and/or regulations, administered by any governmental, regulatory or competent authority, or any law enforcement in any country.

Section G: Endorsements - applicable only if the Endorsement number is printed in the Schedule

Endorsement 72: Legal Liability of Passengers for Negligent Acts

In consideration of the additional premium that You paid Us for this endorsement, We agree that the insurance provided under Section B of this Policy will include legal liability incurred by any passenger in Your Car on condition that the passenger:

1. is not driving Your Car;
2. is not entitled to indemnity under any other policy of insurance; and
3. complies with all the terms and conditions of this Policy as though he was You.

Endorsement 72: Legal Liability of Passengers for Negligent Acts

In consideration of the additional premium that You paid Us for this endorsement, We agree that the insurance provided under Section B of this Policy will include legal liability incurred by any passenger in Your Car on condition that the passenger:

1. is not driving Your Car;
2. is not entitled to indemnity under any other policy of insurance which cover legal liability as provided under this endorsement; and
3. complies with all the terms and conditions of this Policy as though he was You.

Section G: Endorsements - applicable only if the Endorsement number is printed in the Schedule

Endorsement 112: Compensation for Assessed Repair Time (CART)

In consideration of the additional premium that You paid Us for this endorsement, We will pay compensation for the number of days assessed by Us as required to repair Your Car under Section A of this Policy (‘the assessed repair time’). We agree that payment will be based on the assessed repair time by the Adjuster or the maximum amount provided in the Schedule whichever is the lesser.

The maximum rate per day and the maximum number of days that We will pay under this endorsement is limited to the amounts mentioned in the Schedule under the heading ‘Endorsement 112’.

For any claim that We agree to pay under this endorsement We will not deduct any Excess and You will not lose Your No Claim Discount entitlement.

We will not pay:

1. if Your claim is only for breakage of glass that is payable under Endorsement 89;
2. for any delay in the time taken to repair Your Car (beyond the assessed repair time) due to any reason at all. The final decision on the time required to repair Your Car will be decided by Us irrespective of whether Your claim is lodged directly with Us or against a third party;
3. if Your claim is for theft or total loss of Your Car; or
4. if Your claim is under a BER process.

We will not refund any portion of the additional premium that You paid Us if You cancel this endorsement at any time.

Endorsement 112: Compensation for Assessed Repair Time (CART)

In consideration of the additional premium that You paid Us for this endorsement, We will pay compensation for the number of days assessed by Us as required to repair Your Car under Section A of this Policy (‘the assessed repair time’). We agree that payment will be based on the assessed repair time by the Adjuster or the maximum amount provided in the Schedule whichever is the lesser.

The maximum rate per day and the maximum number of days that We will pay under this endorsement is limited to the amounts mentioned in the Schedule under the heading ‘Endorsement 112’.

For any claim that We agree to pay under this endorsement We will not deduct any Excess and You will not lose Your No Claim Discount entitlement.

We will not pay:

1. if Your claim is only for breakage of glass that is payable under Endorsement 89;
2. for any delay in the time taken to repair Your Car beyond the assessed repair time. The final decision on the time required to repair Your Car will be decided by Us irrespective of whether Your claim is lodged directly with Us or against a third party;
3. if Your claim is for theft or total loss of Your Car; or
4. if Your claim is under a BER process.

We will not refund any portion of the additional premium that You paid Us if You cancel this endorsement at any time.

• Introduction
• Definition
• Eligibility
• Table of Benefits Payable in Percentage
• Description of Benefits
• Extension/Provision of Coverage
• Exclusion Applying to The Whole Policy
• General Conditions Applying to The Whole Policy
• Car Assistance Program (if applicable)
• Lodging Complaints and Grievances

• GREAT Shield Special
• GREAT Shield Care
• Classic PA
• GREAT Shield Active
• GREAT Ride Shield
• Junior Protector PA
• Travel For More+
• Lady Protector
• Easi Protector PA
• Easi Shield PA
• TravelMate
• GREAT Voyager+
• Personal Accident Insurance
• Platinum PA

The policy wordings are standardised to reflect fair treatment principle to customers.   The terms and conditions in your policy wordings remains.

Please contact GEGM customer service at 1300-1300-88 or email at gicare-my@greateasterngeneral.com,  should you require the latest copy of policy wordings by providing your policy number.

Lodging complaints and grievances

You may refer your complaint pertaining to any insurance related matters to our Complaint Handling Unit for an amicable resolution before referring to the Ombudsman for Financial Services or BNMLINK, Bank Negara Malaysia. The contact details of our Complaint Handling Unit: -

Complaint Handling Unit

GREAT EASTERN GENERAL INSURANCE (MALAYSIA) BERHAD

Level 18, Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur

General Line: +603-4259 8888 Fax: +603-4813 0055

Customer Service Careline: 1300-1300 88

Website: www.greateasterngeneral.com

Email: gicare-my@greateasterngeneral.com

OMBUDSMAN FOR FINANCIAL SERVICES OR BANK NEGARA MALAYSIA

If you are not satisfied with the respond or the decision of our Complaint Handling Unit, you may submit your complaint either to the Ombudsman for Financial Services (OFS) within 6 months from the date of our Complaint Handling Unit’s final decision, or to BNMLINK, Bank Negara Malaysia (BNM). Kindly check with our Complaint Handling Unit on the proper avenue for dealing with your complaint. The following are the contact details of OFS or BNM: -

OFS: Level 14, Main Block, Menara Takaful Malaysia, No.4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur.

Telephone No.: 03- 2272 2811; Fax No.: 03- 2272 1577

BNM: Laman Informasi Nasihat dan Khidmat (BNMLINK) 4th Floor, Podium Bangunan AICB, No.10, Jalan Dato' Onn, 50480 Kuala Lumpur. 

Telephone No.: 1-300-88-5465; (Overseas: 603-2174-1717); Fax No.: 03-2174-1515

Contact Channel: https://www.bnm.gov.my/BNMLINK

You may refer your complaint pertaining to any insurance related matters to our Complaint Handling Unit for an amicable resolution before referring to the Financial Markets Ombudsman Service (FMOS) or BNMLINK, Bank Negara Malaysia. The contact details of our Complaint Handling Unit: -

Complaint Handling Unit

GREAT EASTERN GENERAL INSURANCE (MALAYSIA) BERHAD

Level 18, Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur

General Line: +603-4259 8888 Fax: +603-4813 0055

Customer Service Careline: 1300-1300 88

Website: www.greateasterngeneral.com

Email: gicare-my@greateasterngeneral.com

FINANCIAL MARKETS OMBUDSMAN SERVICE (Formerly known as OMBUDSMAN FOR FINANCIAL SERVICES) OR BANK NEGARA MALAYSIA

If you are not satisfied with the respond or the decision of our Complaint Handling Unit, you may submit your complaint either to the Financial Markets Ombudsman Service (FMOS) within 6 months from the date of our Complaint Handling Unit’s final decision, or to BNMLINK, Bank Negara Malaysia (BNM). Kindly check with our Complaint Handling Unit on the proper avenue for dealing with your complaint. The following are the contact details of FMOS or BNM: -

FMOS: Level 14, Main Block, Menara Takaful Malaysia, No.4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur.

Telephone No.: 03- 2272 2811; Website: www.fmos.org.my

BNM: Laman Informasi Nasihat dan Khidmat (BNMLINK) 4th Floor, Podium Bangunan AICB, No.10, Jalan Dato' Onn, 50480 Kuala Lumpur.

Telephone No.: 1-300-88-5465; (Overseas: 603-2174-1717); Fax No.: 03-2174-1515

Contact Channel: https://www.bnm.gov.my/BNMLINK

1.  Schedule of Benefits

2. Description of Benefits

We will indemnify You against all sums for which You may be held legally liable:

1)     Applicable to Contents

As a private householder occupying the Building(s) in respect of Accident(s) in or about the Building(s) occurring during the Period of Insurance and resulting in:

(a)    Bodily injury to any person not being a member of Your Family or Household nor at the time of sustaining such injury engaged in Your service.

(b)   Damage to property not belonging to or in the charge of or under Your control or of a member of Your Family or Household or of a person in Your service.

2)    Applicable to Buildings

As owner of the Building(s) in respect of Accident(s) caused by a defect in the Building(s) of the private dwelling or in the Landlord's fixtures and fittings or in the walls, gates, fences and trees around and pertaining thereto and resulting in:

(a)    Bodily injury to any person not being a member of  Your Family or Household nor at the time of sustaining such injury engaged in Your service.

(b)   Damage to property not belonging to or in the charge of or under Your control or of a member of Your Family or Household or of a person in Your service.

We will indemnify You against all sums for which You may be held legally liable:

1)       As a private householder occupying the Building(s) in respect of Accident(s) in or about the Building(s) occurring during the Period of Insurance and resulting in:

(a)     Bodily injury to any person not being a member of Your Family or Household nor at the time of sustaining such injury engaged in Your service.

(b)     Damage to property not belonging to or in the charge of or under Your control or of a member of Your Family or Household or of a person in Your service.

2)       As owner of the Building(s) in respect of Accident(s) caused by a defect in the Building(s) of the private dwelling or in the Landlord's fixtures and fittings or in the walls, gates, fences and trees around and pertaining thereto and resulting in:

(a)     Bodily injury to any person not being a member of Your Family or Household nor at the time of sustaining such injury engaged in Your service.

(b)     Damage to property not belonging to or in the charge of or under Your control or of a member of Your Family or Household or of a person in Your service.

The Home Assistance Program (hereafter called “the HAP”) is distinct from and independent of the scope of insurance cover as provided under the Policy and are subject to the provisions prescribed hereunder. We reserve the rights to revise, change and cancel any of the provisions of this HAP at any time by giving You thirty (30) days' written notice by registered letter at Your address last known to Us. The HAP provides You the following services as described below.

Scope of Services

The services under the HAP are provided in accordance with and subject to the terms and conditions of the agreement signed between Asia Assistance Network (M) Sdn Bhd (hereinafter referred to as "AAN”) and Us.

You may call reverse charge/call collect to the GEGM Assist Hotline at AAN Alarm Center 24 hours a day, 365 days (or 366 days, in a leap year) anywhere within Malaysia.

The HAP means the AAN services as described below when You require Emergency Home Assistance following a home emergency as indicated below, where such assistance will be arranged by AAN.

Services Provided

1)       EMERGENCY HOME ASSISTANCES

(a)   24/7 Dedicated Hotline Services

AAN will provide a 24/7 dedicated hotline service to You. This hotline shall assist to arrange Emergency Home Assistances upon Your request. There is no limit for using this service.

(b)   Emergency Electrical Assistance

In case of an emergency, which results in damage to electrical supply points or the electrical wiring within Your Building(s) affecting the electrical supply, AAN shall arrange and pay for an electrician approved and appointed by AAN to Your Building(s) for emergency repairs on the malfunctions affecting the electrical supply, excluding any electrical appliances. Any breakdown of electrical supply, which is caused by or due to, damaged electrical appliances and/or air conditioners, shall not be considered as emergency repairs.

Description of works that are covered under Emergency Electrical Assistance:

•     Reinstate power failure due to lightning or circuit overload;
•     Repair of burnt fuse inside earth-leakage circuit breaker (“ELCB”) as a result of circuit Overload; and
•     Repair of wall switch failure.

Description of works that are not covered, the cost and expense shall be borne by You:

•     Change of bulbs;
•     Short circuit due to faulty or non-approved appliance or adapter;
•     Replacement of spare parts in ELCB (e.g., switches);
•     Air pumps of ponds and aquariums;
•     Generator of fountains;
•     Any outdoor lightings, appliances or electrical supply; and
•     Hacking or reinstating concealed wall due to wiring issues.

(c)   Emergency Locksmith Service

If You are locked out of Your Building(s) accidentally and is without any means whatsoever to obtain access into home, AAN shall arrange and pay for a locksmith approved and appointed by AAN to assist upon Your request.

Description of works that are covered under Emergency Locksmith Service:

•     If it is the only entry to home and there is no other means of access.

Description of works that are not covered, the cost and expense shall be borne by You:

•     Being locked out of any bedroom except in the
  event a child below 3 years old is accidentally locked in it;
•     Unlocking any automatic gate for car entrance
  (unless this is also the only way for You to access the Your home);
•     Cupboards and drawers;
•     Garages and storerooms;
•     Letterboxes;
•     Gaining access to any unoccupied or vacant properties; and
•     Unlocking any safes.

(d)   Emergency Vermin Removal

In the event of a pest infestation of the Your Building(s), upon Your request, AAN shall arrange and pay for a contractor and/or a pest exterminator approved and appointed by AAN or for an interview with You or inspection at home, or to arrange for emergency counter-measures to be effected.

Description of works that are covered under Emergency Vermin Removal:

•     Remedy for infestation of pests.
•     Pest shall mean only bees, termites, rats and snakes. For any other types of pests, approval is to be sought from the AAN supervisor and/or manager on duty.

Description of works that are not covered, the cost and expense shall be borne by You:

•     Infestations of cockroaches, spiders, ants,
  lizards or centipedes;
•     Infestations of mosquitoes being the
  responsibility of the property’s managing agent or the ministry of environment;
  and
•     Recurring termite infestation.

(e)   Emergency Plumbing Service

In case of an emergency, which results in a leak and/or a clog in the water piping system or the sanitary system in Your Building(s), upon Your request, AAN shall arrange and pay for a plumber approved and appointed by AAN to the Your home to undertake emergency repairs.

Description of works that are covered under Emergency Plumbing Service:

•     Replacement or welding of burst water supply
  pipe; and
•     Chokage in pipe, floor trap, and sanitary system.

Description of works that are not covered, the cost and expense shall be borne by You:

•     Replacement of parts (e.g., silicon sealing, washer, flushing handle, tap, shower head, ball and cock system in the flushing cistern etc.);
•     Roof or ceiling leakage;
•     Underground pipes or pipes in false or
  concealed ceilings or walls; and
•     Pipes that are covered by JMB (Joint Management Body).

(f)    Emergency Air-Conditioner Repair

In case of an emergency, which results in a gas leak or non-operation of the air-conditioner in the Your Building(s) and upon Your request, AAN shall arrange for an air-conditioner repairer approved and appointed by AAN to assess the reported situation. Upon confirmation from You to proceed with the repair, AAN shall arrange for the repairer to undertake emergency repairs.

Description of works that are covered under Emergency Air-Conditioner Repair/Servicing:

•     Air-conditioner is unable to be switched on (provided that the battery of remote control and electrical switch have been checked);
•     Faulty compressor motor or fan of air-conditioner as a result of mechanical malfunction; and
•     Gas leak.

Description of works that are not covered, the cost and expense shall be borne by You:

•     Repairs and/or servicing to rectify a noisy air-conditioning vent or faulty ventilation duct;
•     Repairs and/or servicing of an air-conditioner not being cold, a leaking air conditioner or an air-conditioner that is producing odour due to lack of maintenance and/or servicing; and
•     Subsidy of an irreparable compressor due to life span expiry of the unit.

General Conditions Applicable Under Home Emergency

•        We shall impose a waiting period of thirty (30) days from Policy’s effective date before Emergency Home Assistances can be utilised.
•        The waiting period does not apply to Emergency Locksmith Service.

General Exclusions Applicable Under Home Emergency

•        Where Building(s) is a condominium unit that has just obtained Temporary Occupation Permit being the responsibility of the developer or structural issues in condominium unit being the responsibility of the property’s managing agent or developer.
•        Loss or damage arising from the disconnection or interruption of mains service being the responsibility of the utility provider concerned or from circumstances known to You prior to the commencement date of coverage.
•       Cost related to replacement of parts due to natural wear and tear and/or gradual deterioration.
•        Cost required solely to remedy damage or breakdown occasioned by attempted repair or modification by You or Your duly appointed contractor.
•        Cost of repairs to any underground or concealed water supply pipe.

Maximum Service Benefits Applicable Under Emergency Home Assistance Services

For each Insured entitled to the Services, the maximum level of benefits is:

•        Up to a limit of 2 times per Policy year which will be free of charge with the limitation that the cost of each visit shall not exceed the limit of RM250.00 (Ringgit Malaysia Two Hundred Fifty Only).
•        If the cost of any visit exceeds the limit, AAN shall inform and obtain Your consent prior to providing the Services and the You will pay directly to the provider such additional cost. For those visits that incur costs less than the limit, the difference between the incurred fees and the limit cannot be carried forward to the next visit or any other visit.

2)       HOME ASSISTANCE SERVICE

(a)       General Handyman Services

Upon Your request, AAN shall arrange for a professionally trained technician or repairman approved and appointed by AAN to undertake repairs at Your Building(s), these will  include basic electrical, plumbing and sanitary, furniture assembly and other contractor work that does not require hacking of walls. The cost of the services and related expenses shall be borne by You. 

(b)       Home Cleaning Services

Upon Your request, AAN shall arrange for a cleaning company approved and appointed by AAN to undertake the cleaning of Your Building(s). The cost of the services and related expenses shall be borne by You.

(c)       Disinfection Services

Upon Your request, AAN shall arrange for disinfection services by a company approved and appointed by AAN to disinfect and/or apply an antimicrobial coating to Your Premises. The cost of the services and related expenses shall be borne by You.

(d)       Air-Conditioner Servicing

Upon Your request, AAN shall arrange for an air-conditioner servicing company approved and appointed by AAN to undertake the cleaning of the Your air-conditioner within Your Building(s). The cost of the services and related expenses shall be borne by You.

We will reimburse You up to RM250.00 (Ringgit Malaysia Two Hundred and Fifty Only), subject to a maximum of two (2) claims per policy year, in respect of the eligible Emergency Home Assistance services specified below. You shall appoint a service provider of Your choice to carry out such services.                                  

(a)       Emergency Electrical Assistance

Emergency Electrical Assistance means emergency repair services for damaged electrical supply points or electrical wiring within Your Building(s). For the avoidance of doubt, any breakdown of electrical supply, which is caused by or due to, damaged or malfunctioning electrical appliances and/or air conditioners, shall not be considered as emergency repairs.

Description of works that are covered under Emergency Electrical Assistance and eligible for reimbursements are:

•         Reinstate power failure due to lightning or circuit overload;
•         Repair of burnt fuse inside earth-leakage circuit breaker (“ELCB”) as a result of circuit Overload; and
•         Repair of wall switch failure.

Description of works that are not covered (the costs and expenses shall be borne by You) are:

•         Change of bulbs;
•         Short circuit due to faulty or non-approved appliance or adapter;
•         Replacement of spare parts in ELCB (e.g., switches);
•         Air pumps of ponds and aquariums;
•         Generator of fountains;
•         Any outdoor lightings, appliances or electrical supply; and
•         Hacking or reinstating concealed wall due to wiring issues.

(b)      Emergency Locksmith Service

If You are locked out of Your Building(s) accidentally and have no means whatsoever of gaining access into Your Building(s).

Description of works that are covered under Emergency Locksmith Service and eligible for reimbursements are:

•         If it is the only entry to Your Building and there is no other means of access.

Description of works that are not covered under Emergency Locksmith Service (the costs and expenses shall be borne by You) are:

•         Being locked out of any bedroom except in the event a child below 3 years old is accidentally locked in it;
•         Unlocking any automatic gate for car entrance (unless this is also the only way for You to access the Your home);
•         Cupboards and drawers;
•         Garages and storerooms;
•         Letterboxes;
•         Gaining access to any unoccupied or vacant properties; and
•         Unlocking any safes.

(c)      Emergency Vermin Removal

In the event of a pest infestation in Your Building(s) and You require pest extermination services.

Description of works that are covered under Emergency Vermin Removal and eligible for reimbursements are:

•         Remedy for infestation of pests.
•         Pest shall mean only bees, termites, rats and snakes.

Description of works that are not covered under Emergency Vermin Removal (the costs and expenses shall be borne by You) are:

•         Infestations of cockroaches, spiders, ants, lizards or centipedes;
•         Infestations of mosquitoes being the responsibility of the property’s managing agent or the ministry of environment; and
•         Recurring termite infestation.

(d)      Emergency Plumbing Service

An emergency service for leaks and/or a clogs in the water piping system or the sanitary system in Your Building(s).

Description of works that are covered under Emergency Plumbing Service and eligible for reimbursements are:

•         Repair, replacement or welding of burst water supply pipe; and
•         Chokage in pipe, floor trap, and sanitary system.

Description of works that are not covered (the costs and expenses shall be borne by You) are:

•         Replacement of parts (e.g., silicon sealing, washer, flushing handle, tap, shower head, ball and cock system in the flushing cistern etc.);
•         Roof or ceiling leakage;
•         Underground pipes or pipes in false or concealed ceilings or walls; and
•         Pipes that are covered by JMB (Joint Management Body).

(e)       Emergency Air-Conditioner Repair

Emergency repair services for a gas leak or non-operation of the air-conditioner in Your Building(s).

Description of works that are covered under Emergency Air-Conditioner Repair and eligible for reimbursements are:

•         Air-conditioner is unable to be switched on (provided that the battery of remote control and electrical switch have been checked);
•         Faulty compressor motor or fan of air-conditioner as a result of mechanical malfunction; and
•         Gas leak.

Description of works that are not covered (the costs and expenses shall be borne by You) are:

•         Repairs and/or servicing to rectify a noisy air-conditioning vent or faulty ventilation duct;
•         Repairs and/or servicing of an air-conditioner not being cold, a leaking air- conditioner or an air-conditioner that is producing odour due to lack of maintenance and/or servicing; and
•         Subsidy of an irreparable compressor due to life span expiry of the unit.

General Conditions Applicable Under Home Emergency

•         We shall impose a waiting period of thirty (30) days from Policy’s effective date before Emergency Home Assistances can be utilised.
•         The waiting period does not apply to Emergency Locksmith Service.

General Exclusions Applicable Under Home Emergency

•         Where Building(s) is a condominium unit that has just obtained Temporary Occupation Permit being the responsibility of the developer or structural issues in condominium unit being the responsibility of the property’s managing agent or developer.
•         Loss or damage arising from the disconnection or interruption of main service being the responsibility of the utility provider concerned or from circumstances known to You prior to the commencement date of coverage.
•         Cost related to replacement of parts due to natural wear and tear and/or gradual deterioration.
•         Cost required solely to remedy damage or breakdown occasioned by attempted repair or modification by You or Your duly appointed contractor.
•        Cost of repairs to any underground or concealed water supply pipe.