| This insurance policy provides
cover to Insured and/or passenger(s)
and/or any other person driving with
the permission of the Insured shall
sustain any bodily injury caused by
violent accidental external and visible
means while driving or boarding or
alighting from the vehicle specified
in the policy within Malaysia, Singapore
and Brunei and which is solely and
independently of any other cause result
in his death or permanent disablement
or necessitate medical and surgical
treatment.
This policy provides cover in respect
of each Insured person (referring
to driver and/or passenger):
a) |
whilst getting into travelling
in or getting out of the insured
vehicle specified in the Schedule; |
b)
|
age limit in respect
of each insured within 3 to 75
years old. |
This policy can also be extended to
cover:
a) |
driving or travelling as a passenger
in any vehicle other than motorcycles/scooters; |
b)
|
travelling as a
fare paying passenger on any railway
train, monorail, ferry, boat or
passenger ship/aircraft within
the specified geographical limits. |
The policy excludes the following
events:
1. |
loss caused directly, wholly
or partly by bacterial or any
kind of disease;
 |
By medical or surgical
treatment except as a result
of injuries covered by this
policy; |
|
By childbirth
or miscarriage; |
|
While the driver is under
the influence of liquor
or drugs (unless administered
under the order of hospital
or qualified medical practitioner); |
|
While the vehicle is used
for illegal business pursuit
or as an unlicensed common
carrier; |
|
While the drive is in
the state of insanity. |
|
2.
|
to any bodily injury
which result in hernia; |
3. |
to suicide or any attempt thereat; |
4. |
war, invasion, act of foreign
enemy, and other acts which necessitated
the state of emergency; |
5. |
hijacking, kidnapping, murder
and assault; |
6. |
death or injury arising from
nuclear weapon, ionizing radiation
or contamination by radioactivity
from any nuclear fuel or waste; |
7. |
loss occasioned while the vehicle
is used for hire, racing, road
rally, pacemaking, speed-testing
or use for any purpose in connection
with motor trade; |
8. |
if the driver does not hold
valid driving license to drive
the vehicle or disqualified from
holding or obtaining such a valid
driver’s license; |
9. |
to person under the age of 3
and over the age of 75; |
10. |
to death or disability directly
or indirectly arising out of or
consequent to any AIDS or AIDS
Related Complex howsoever this
syndrome has been acquired or
may be named. |
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