WHEREAS the Certificate Holder named in the Certificate of Insurance hereto ("the Certificate Holder") has made to MULTI-PURPOSE INSURANS BHD ("the Company") a declaration which shall be the basis of this Contract and which is deemed to be incorporated herein and has paid the Annual or Monthly Premium, as the case may be, stated in the Certificate of Insurance hereto as consideration for the insurance hereinafter contained.
The Company hereby agrees that if during the period of Insurance, the Insured Person shall sustain any Bodily Injury caused by Accidental means which, within twelve (12) months of such injury shall solely and independently of any other cause, result in the Insured Person’s death or disablement as
hereinafter defined or necessitate
medical and/or medical and surgical
treatment as hereinafter defined, the
Company will subject to terms,
exceptions and conditions contained
herein or endorsed hereon, pay the
compensation as specified in the
Certificate of Insurance and the Table
of Compensation/Benefits.
This Policy, the Schedule and Certificate of Insurance shall be read together as one-contract and any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule or of the Certificate of Insurance shall bear such specific meaning wherever it may appear.
Warranty
It is hereby warranted that the Insured Person(s) is/are in good health at time of inception of this insurance and is/are not suffering from any known or unknown physical or mental impairment or ill health, disability or physical, health or mental condition that would have in normal circumstance resulted in rejection of cover or required additional premium had the Company known of this condition prior to granting of cover. The Company reserves the right to rescind coverage to any Insured Person at any time during the currency of this insurance even after a claim is filed, for breach of this Warranty.
Table of benefits
(A) Insured Person
| Item |
Benefits |
Type Of Plan |
VVP 1
(RM) |
VVP 2
(RM) |
VVP 3
(RM) |
VVP 4
(RM) |
| 1 |
Total Paralysis |
520,000 |
390,000 |
260,000 |
130,000 |
| 2 |
Accidental Death |
400,000 |
300,000 |
200,000 |
100,000 |
| 3 |
Permanent Disablement |
400,000 |
300,000 |
200,000 |
100,000 |
| 4 |
Medical Expenses
Reimbursement (per accident) |
4,000 |
3,000 |
2,000 |
1,000 |
| 5 |
Hospital Income
(per day) |
400 |
300 |
200 |
100 |
Additional Benefits (where
applicable)
In the event that the Certificate Holder
and his/her legal spouse are insuring
together under the same Certificate of
Insurance, each of their Child as named
in the Certificate of Insurance within
the qualifying Age Limit will be covered
for 20% of the insured Benefits of the
Certificate Holder
(B) Child (If the Certificate Holder
and his/her legal spouse are insuring
together )
| Item |
Benefits |
Type Of Plan |
VVP 1
(RM) |
VVP 2
(RM) |
VVP 3
(RM) |
VVP 4
(RM) |
| 1 |
Total Paralysis |
104,000 |
78,000 |
52,000 |
26,000 |
| 2 |
Accidental Death |
80,000 |
60,000 |
40,000 |
20,000 |
| 3 |
Permanent Disablement |
80,000 |
60,000 |
40,000 |
20,000 |
| 4 |
Medical Expenses
Reimbursement (per accident) |
8,000 |
6,000 |
4,000 |
2,000 |
| 5 |
Hospital Income
(per day) |
800 |
600 |
400 |
200 |
For detailed
information, Please refer to
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