Some Definitions

The following are some General Obligations, Definitions, Procedures and Exclusions applicable to Section 4. Please refer to the Policy for full details of the Terms and Conditions.

Serious Medical Condition
A condition which in the opinion of International SOS constitutes a serious medical emergency requiring urgent remedial treatment to avoid death or serious impairment to the Insured’s immediate or long term health prospects. The seriousness of the medical condition will be judged within the context of the Insured’s geographical location, the nature of the medical emergency and the local availability of appropriate medical care or facility.

Country of residence means Malaysia.

Sickness means any sudden and unforeseen sickness or disease suffered by the Insured and first manifested during the Trip.

Request for Assistance
In case of an Emergency and prior to taking personal action where reasonable, the Insured or his/her representative shall collect call MSIG Assist whose contact number is listed below:

•	603-2166 3080
•	and state His/Her name, name of the insurance company and his/her ID card or passport number and Standard Chartered Bank’s Visa Infinite Card Credit No. for verification; and
•	the name of the place and the telephone number where MSIG Assist can reach the Insured or his/her representative; and
•	a brief description of the accident and the nature of help required.

Notification to MSIG Assist

1.	In an Emergency involving a life threatening situation, the Insured or his/her representative should always try to arrange for emergency transfer to a hospital near the place of occurrence through the most appropriate and immediate means and then call MSIG Assist to provide the appropriate information as soon as possible.
2.	In the event of Bodily Injury or Sickness resulting in the hospitalisation of the Insured prior to MSIG Assist being notified, the Insured or his/her representative, where possible, shall contact MSIG Assist within three (3) days of the occurrence of such Emergency or any complication directly relating to such Emergency.

In the event of repatriation, the Insured or his/her representative shall furnish the following information to facilitate prompt response:

1.	The name, address and telephone number of the hospital or other medical facility where the Insured has been taken, and
2.	The name, address and phone number of the attending Physician and, if necessary, the Insured’s family doctor.

 

MSIG Assist’s medical team or other representatives shall have free access to the Insured in order to assess the Insured’s condition. Without reasonable justification for denial of such an access, the Insured will not be eligible for further medical assistance.

The Insured or any party will not be entitled to be reimbursed for any expenses without first obtaining prior approval from the Company.

Limitations on Claims
Any claim with respect to an Assistance Event or the right to any legal action or claim shall be forfeited unless such claim is filed within two (2) years of the occurrence of such event.

Exclusions
The costs of rendering emergency assistance services will not be borne by the Company or by MSIG Assist in respect of:

(a)	Services rendered without the authorisation and/or intervention of MSIG Assist.
(b)	Services provided by any party other than MSIG Assist for which no charge is usually made.
(c)	Medical treatment administered by the Insured's relatives whether qualified or not.
(d)	Costs which would have been payable if the event giving rise to the intervention of MSIG Assist had not occurred.
(e)	Any expense more specifically covered under any other insurance policy.
(f)	All circumstances described under the General Exceptions of this Policy.

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General Exceptions (Applicable to the whole Policy)

There are certain situations where no benefits are payable. Please refer to the Policy for full details of the General Exceptions.

 

General Conditions (Applicable to the whole Policy and to be observed by the Policyholder, Insured and all persons insured under the Policy)

The following are some key conditions in the Policy. Please refer to the Policy for full details of the Terms and Conditions.

Governing Law & Jurisdiction
The policy is to be construed according to the laws of Malaysia. The parties submit themselves to the exclusive jurisdiction of the Courts of Malaysia for the resolution of any conflict or dispute relating to the Policy save where the circumstances are governed by the Arbitration clause of the Policy.

Exclusion Of Rights Under The Contracts (Rights Of Third Parties) Act
A person who is not a party to this Policy contract shall have no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of its terms.

Claims Procedure

(a)	Notice shall be given by the Insured to the Insurer Level 21, Menara Weld, 76, Jalan Raja Chulan,50200 Kuala Lumpur, - Tel: 603 2050 8228, Fax: 603 2070 5959 as soon as possible of the happening of any event in respect of which a claim is to be made.
(b)	The Insured shall at his own expense furnish to the Insurer such certificates information and evidence as the Insurer may reasonably require.
(c)	In respect of a claim under Section 1 of the Policy
	(i) Any Insured shall as soon as possible after the happening of any event in respect of which a claim is to be made procure and follow medical advice from a duly registered medical practitioner. (ii) Any Insured as often as required shall submit to medical examination on behalf of the Insurer at its own expense.

Data Privacy Notice
It is hereby declared that as a condition precedent to the liability of the Company the Insured has agreed that any personal information in relation to the Insured provided by the Insured to the Company may be held, used and disclosed to enable the Company or individuals / organisations associated with the Company or any independent third party (within or outside of Malaysia) to

(a)	process and assess the Insured’s application or any matter arising from the Policy and any other application for insurance cover and/or
(b)	provide all services related to this Policy.

The Insurer may cancel this Policy by sending sixty (60) days’ notice by registered letter to the Policyholder at its last known address and in such event will return to the Policyholder the premium paid less the pro rata portion thereof for the period the Policy has been in force. The Policy may be cancelled at any time by the Policyholder by giving sixty (60) days’ notice to the Insurer and provided no claim has arisen during the then current Period of Insurance the Policyholder shall be entitled to a return of premium paid on a pro-rated basis less the period the Policy has been in force and subject to any adjustment of premium required by the Terms or Conditions of this Policy.

Termination Of An Insured's Cover
The cover of an Insured under this Policy will terminate immediately in any of the following circumstances, whichever first occurs:

(a)	When the Policy is terminated;
(b)	When the Standard Chartered Bank's Visa Infinite Credit Card Programme is terminated; or
(c)	When the Insured (the holder of Standard Chartered Bank's Visa Infinite Credit Card) ceases to hold such credit card.

The termination of an Insured's cover under such circumstances shall not prejudice a covered claim arising prior to such or termination for the Insured concerned.

Due Observance
The due observance and fulfilment of the terms provisions and conditions of this Policy insofar as they relate to anything to be done or not to be done by the Policyholder or Insured or other claimant and the truth of the statements and answers in the proposal shall be conditions precedent to any liability of the Insurer to make any payment under this Policy.

Note: This Product Summary is not a contract of insurance. Full details of the terms, conditions and exceptions of this insurance are provided in the Policy that is issued to and lodged with the Bank. The Policy may be inspected at the Bank's designated premises on request.

Information is correct as at January 2010

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