The Triple Indemnity Benefit is payable for Accidental Death or Permanent Total Disablement arising out of an accident involving you whilst you are driving or travelling as a passenger during festive seasons.

You can purchase the Optional Benefits once you have purchased the Core Benefits.

Yes.

No, as long as you have purchased a Core Benefit Plan, you are entitled to purchase one or both Optional Benefits.

If during the accident you were not driving or riding as a passenger in the vehicle, they will not be covered, regardless of who owns the vehicle.
EXAMPLE:
You have just returned from a business trip and have called your son to fetch you from the airport. Unfortunately, on the way to the airport, your son who was driving your vehicle with your wife as the passenger met with an accident. Although the vehicle involved in the accident is owned by you and you have authorised your son to drive, there will be no compensation for your son or your wife because you were not in the car when the accident happened.

The personal accident benefit covers you and your passengers in the event of an accident, as long as you were driving the vehicle at the time of accident. It does not matter whether the vehicle involved in the accident is owned by you or not owned by you.

Yes, this insurance covers you against personal accident whilst riding as a passenger in any private owned vehicle.

If you have a complaint about our product or services, or you are not satisfied with the rejection or offer of any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre.

If you are still not satisfied with the decision, you can write either to the Customer Services Bureau of Bank Negara Malaysia or the Financial Markets Ombudsman Service (FMOS) (formerly known as Ombudsman for Financial Services (OFS)), free of charge.