Coverage
Mandatory Covers (Please select Section 1 and / or Section 2)
Optional Covers (Please select Section 3 and / or Section 4)
Note: For mobile users, the Table of Benefits is best viewed in landscape mode.
Section | Covers / Benefits | Sum Insured / Limit of Liability |
Premium Rate |
1 |
Houseowner Insurance a) Building including permanent fixtures and fittings but excluding land (occupied solely for residential purpose only) |
Full value to be declared by Insured |
Landed property - 0.090% Flats & Apartments - 0.093% |
b) Rent | Up to 10% of building insured | Included | |
c) Owner's Liability | RM50,000 |
Included |
|
(Subject to minimum premium : RM60) |
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2 |
Home Contents All Risks Insurance a) Loss or damage to household contents caused by fire & selected perils, theft, armed robbery and accidental damage not specifically excluded. |
Full value to be declared by Insured |
0.75% |
Additional benefits for Section 2 | |||
a) Loss or damage to contents during temporary removal | up to 15% of total sum insured | included | |
b) Breakage to Mirrors | up to RM500 | included | |
c) Compensation for Death | up to RM10,000 | included | |
d) Servant's Property | up to RM500 | included | |
e) Loss of money due to theft at home | up to RM1,000 | included | |
f) Cost of repairing / replacing locks and key due to break-in | up to RM500 | included | |
g) Cost of replacing Title Deeds and Legal Documents | up to RM1,000 | included | |
h) Loss or damage to water filter | up to RM1,000 | included | |
i) Loss of money caused by snatched theft | up to RM1,000 | included | |
j) Cost of replacing food spoilt in refrigerator due to change in temperature Deductible : RM200 each and every loss |
up to RM500 | included | |
(Subject to minimum premium : RM75) |
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3 |
Worldwide Personal All Risks Insurance Deductible : RM100 each and every loss |
up to RM3,000 per item | 1.50% (subject to minimum premium : RM75) |
4 | Worldwide Family Liability Insurance Legal Liability against accidental bodily injury to third party and accidental damage to third party property. |
RM300,000 | RM25 |
Note: Premium Rate stated above is excluding the GST rate of 0%. |