Valuables refer to precious metals or precious stones, jewellery, watches, curios and works of art. Each article or item is covered up to RM3,000 and in aggregate is up to 1/3 of the total Sum Insured on contents.

You do not need to do so. There are however specific limits applicable.

The Sum Insured should represent the full value of your home renovations, household contents and personal belongings to you and your family members who are permanently residing with you at current day values.

Yes, you will be paid on top of your other personal accident policies.

Yes, the amount payable for fire brigade charges is on reimbursement basis, subject to a limit of RM500.00.

Yes.

Police report on the incident and the medical certificate of at least 1 day sick leave, granted and issued by medical practitioner.