ACE TRAVEL INSURANCE. Travel Smarter

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ACE TRAVEL

Travel SmarTer

BecauSe you are ace

inSured

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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

About ACE Jerneh 19

CONTENTS

Choose the Right Travel Insurance

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.

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.

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 2014. 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.

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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 Domestic • Within Malaysia Trip Duration Eligibility International

Single Trip Plan - max 183 consecutive days per trip Annual Plan - max 90 consecutive days per trip

Domestic

Single Trip Plan - up to 30 consecutive days per trip

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 up to age of 80 (annual policy for International plan only)

Domestic

• Single Trip Plan : Min 30 days old, up to 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

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Plan

Frequently Asked Questions

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 years old 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 up to 25% of the amount stated in the Schedule of Benefits.

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: +6 03 7628 3703 (24 hours)

I am pregnant. Will I be covered for any pregnancy-related 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

Email: Travelclaims.MY@acegroup.com

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.

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Ruby Sapphire Medical & Travel Accident Benefits

Personal Accident -Accidental Death Per Adult Per Child 300,00075,000 325,00081,250 Personal Accident -Permanent Disablement Per Adult Per Child up to 300,000up to 75,000 up to 325,000up to 81,250

Child Education Fund 10,000 15,000

Overseas Medical Expenses

ENHANCED

up to 350,000 below 75 years old up to 80,000 above 75 years old

up to 400,000 below 75 years old up to 100,000 above 75 years old

Follow up Medical Expenses in Malaysia

ENHANCED

up to 10,000 below 75 years old up to 5,000 above 75 years old up to 30 days

up to 15,000 below 75 years old up to 10,000 above 75 years old up to 30 days

Alternative Treatment up to 500 up to 1,000

Emergency Medical

Evacuation Unlimited Unlimited Repatriation of Mortal

Remains Unlimited Unlimited

Daily Hospital Income 250 Per Day/max 60 days below 65 years old 100 Per Day/max 60 days above 65 years old (Max 15,000)

350 Per Day/max 60 days 100 Per Day/max 60 days above 65 years old (Max 21,000)

Compassionate visit up to 10,000 up to 10,000

Child Guard up to 10,000 up to 10,000 Travel Inconvenience Benefits

Travel Cancellation up to 20,000 per

individual up to 25,000 per individual

Travel Curtailment up to 20,000 per

individual up to 25,000 per individual

Loss/Damage of Personal Effects and/or Baggage

Single Article Limit

Maximum Amount Payable 5005,000 5007,500

International Benefits Table (RM)

*Please refer to the scale of benefits for death & disablement

Ruby Sapphire

Loss of Notebook

Computer 1,000 (Separate benefit from loss of Personal Effect)

1,500 (Separate benefit from loss of Personal Effect)

Baggage Delay

(overseas) 6hrs/200Per Individual

max 800 Per Family max 2,400 6hrs/200 Per Individual max 1,000 Per Family max 3,000 Baggage Delay

(Malaysia) 6hrs/200 Per Individual max 200 Per Family max 600 6hrs/200 Per Individual max 400 Per Family max 1,200 Travel Delay 6hrs/200/ max 3,600 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 up to 5,000 up to 7,500 Loss of Money

(Separate benefit from loss of travel doc)

up to 750 up to 750

Personal Liability up to 1,000,000 up to 1,500,000

Hijack Inconvenience 24hrs/400/max 800 24hrs/400/max 800

Loss of Credit Card

(report to credit card issuance company within 6 hours from theft)

up to 500 up to 1000

Emergency Mobile Phone

Charges up to 100 up to 150

24 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

- up to 500

Golf Equipment

(Reimbursement for theft on Golf Equipment)

- up to 1,000

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Unused Green Fees

(Covers unredeemable unused Green Fees paid in advance due to Bodily Injury or Sickness)

- up to 1,000

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)

24hrs/50/50 24hrs/50/100

Home Inconvenience

Allowance up to 3,000 up to 5,000

Age Criteria

Adult ENHANCED No Max Age Limit - Single Trip Max Age Limit: 80 years old - Annual Plan

No Max Age Limit - Single Trip Max Age Limit: 80 years old - Annual Plan

Child 30 days to 17

years old 30 days to 17 years old Other Notes

Per trip max day of coverage - Per trip -

ENHANCED

183 days 183 days

Per trip max day of

coverage - Annual 90 days 90 days

Medical & Travel Accident Benefits

Personal Accident -Accidental Death Per Adult Per Child 100,00025,000 200,00050,000 Personal Accident -Permanent Disablement Per Adult Per Child 100,00025,000 200,00050,000 Medical Expenses (*Accident Only) 20,000 25,000

Emergency Dental Expenses

(*Accident Only) Included above Included above

Daily Hospital Income

Amount per 24 hours Maximum Amount Payable

-100 3,000

Medical Evacuation &

Repatri-ation up to 100,000 up to 150,000

Repatriation of Mortal Remains up to

100,000 up to 150,000 Domestic Benefits Table (RM)

Compassionate Allowance up to 1000 up to 2000

Child Guard up to 1000 up to 2000 Travel Inconvenience Benefits

Loss/Damage of Baggage & Personal Effects

Single Article Limit

Maximum Amount Payable up to 500up to 1,000 up to 750up to 2,000

Checked-In Baggage Delay

Amount per 6 hours

Maximum amount payable 150600 2001,000

Travel Delay

Amount per 6 hrs

Maximum Amount Payable 150600 2001,000

Travel Cancellation/Curtailment up to 1,500 up to 2,000

Personal Liability up to

250,000 up to 500,000 Lifestyle Benefits

GOLF - Hole - In - One

(Reimburse-ment for entertain(Reimburse-ment expenses incurred upon achieving hole-in-one

- 250

Golf Equipment (Reimbursement

for theft on Golf Equipment) - 500

Unused Green Fees (Covers

unredeemable unused Green Fees paid in advance due to Bodily Injury or Sickness)

- 250

Home Inconvenience Allowance - up to 500 24 Hour Assistance Access

24hr Travel Assistance Included Included Age Criteria

Adult 18-80

years old 18-80years old

Child 30 days to 18

years old 30 days to 18 years old Other Notes

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Ruby

Trip Duration Asia Pacific Worldwide

1-5 36 52 6-10 54 72 11-18 75 106 19-31 98 138 Additional Week 35 40 Annual Plan 256 346 Ruby

1-5 90 129 6-10 135 180 11-18 187 265 19-31 243 340 Additional Week 88 101 Annual Plan 640 865 Sapphire

1-5 148 208 6-10 188 263 11-18 288 388 19-31 373 523 Additional Week 108 135 Annual Plan 1,100 1,280

Premium Table - International

Individual Plan (excluding Stamp duty) / (RM)

Family Plan (excluding Stamp duty) / (RM) 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).

Ruby

1-5 113 159 6-10 143 200 11-18 219 295 19-31 284 398 Additional Week 82 103 Annual Plan 836 973

Insured & Spouse Plan (excluding Stamp duty) / (RM)

Ruby Sapphire Trip Duration 1-3 days 15 20 4-10 days 18 24 11-19 days 28 34 20-30 days 35 42

Premium Table - Domestic

Individual Plan (excluding Stamp duty) / (RM)

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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 up to age of 80 years (annual policy for international plan only) • Domestic

- Single Trip: Minimum 30 days old, up to age of 80 years.

* 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.

ACE Assistance

+6 03 7628 3703 (24 hours)

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Trip Duration International

• Single Trip Plan - up to 183 consecutive days per trip • Annual Plan - max 90 consecutive days per trip Domestic

• Single Trip Plan - up to 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 www.acejerneh.com.my or you may request it

from:-ACE Travel Insurance Claim Services Email: Travelclaims.MY@acegroup.com 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 full-time 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

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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

www.insuranceinfo.com.my

For enquiries, you may also reach us at :- ACE Jerneh Insurance Berhad (9827-A) Wisma ACE Jerneh, 38 Jalan Sultan Ismail 50250 Kuala Lumpur

ACE Travel Insurance Customer Service Email: Travel.MY@acegroup.com Toll Free: 1 800 88 2846 Fax: +6 03 2058 3088

ACE Travel Insurance Claims Services Email: Travelclaims.MY@acegroup.com

10. Other types of Personal Accident cover available:

Please refer to our website at www.acejerneh.com.my

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.

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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 50250 Kuala Lumpur Tel: (603) 2058 3000 Fax: (603) 2058 3333 www.acejerneh.com.my

ACE Travel Insurance Customer Service

Email: Travel.MY@acegroup.com Toll Free: 1 800 88 2846 Fax: (603) 2058 3088

ACE Travel Insurance Claim Services

Email: Travelclaims.MY@acegroup.com ACE Assistance Tel: (603) 7628 3703 (24 hours) CONTACT US Authorised Outbound Travel Insurance 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.

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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.