Travel For More Brochure (31032015)

TRAVEL FOR MORE!
More Benefits. More Features. More Coverage.
TRAVEL
FOR
MORE!
Correct at time of printing as at March 2015
TRAVEL FOR MORE!
Travel For More is the travel insurance plan you need, offering you a Comprehensive
Travel Protection with MORE Values & peace of mind. Our travel plans offer
extensive medical coverage & MORE benefits to suit your needs. Whats more, you
enjoy greater protection for as low as RM3.21 per day* only with Travel For More.
Read on or call your agent to find out more Protection & Great Savings.
* RM3.21 per day is based on a 14 days Round Trip under Overseas Area 1 (20 countries to choose from)
under RM100,000 Sum Insured Plan for one person (Insured Only) at RM45.
ance
A Gl
t
A
s
it
Benef
1. Accidental Death & Total Permanent Disablement
2. Comprehensive Medical Expenses & related Medical benefits
Covers for accidents & sickness while overseas up to RM600,000 for Family Plan & up to
RM300,000 for Individual Insured Plan.
Includes follow-up medical treatment upon return to Malaysia up to RM90,000 for Family
Plan, up to RM30,000 for Individual Insured Plan; Alternative medicine up to RM3,000 for
Family Plan, up to RM1,000 for Individual Insured Plan; Hospital allowance RM300 per day
up to RM30,000 for Family Plan, Child Companion & many more benefits.
Emergency Medical Evacuation & Repatriation; and Repatriation of Mortal Remains up to
RM1,000,000.
3. More Cover for Travel Inconvenience
Includes loss of Travel Documents & Personal Money up to RM25,000 for Family Plan & up
to RM8,000 for Individual Insured Plan.
Hijacking Inconveniences of RM3,000 per day up to RM30,000 for Family Plan & RM1,000
per day up to RM10,000 for Individual Insured Plan.
Trip Postponement up to RM6,000 for Family Plan & up to RM2,000 for Individual Insured Plan.
Trip Cancellation & Trip Curtailment Expenses up to RM60,000 for Family Plan & up to
RM20,000 for Individual Insured Plan.
Emergency Telephone charges for Overseas Travel up to RM100.
Loss of Deposit or Payment due to abscondment or insolvency of travel agents up to
RM25,000 for Family Plan & up to RM5,000 for Individual Insured Plan.
Home Content Benefit up to RM10,000 per household.
Automatic Extension of Travel Cover up to 30 days due to injury or illness for Overseas or
Domestic Travel.
Other travel inconveniences such as Flight Delay, Loss of Baggage, Baggage Delay, Missed
Connection, Missed Departure, Personal Liability, Rental Car Excess Cover, Travel
Overbooked & Travel Reroute are also covered.
Note: For more details, please refer to the Schedule of Benefits.
SCHEDULE OF BENEFITS
Overseas & Domestic Travel
Sum Insured (RM)
Benefits
Overseas
Plan B
Plan A
Domestic
A. Travel Personal Accident

1
Accidental Death
Per Adult
100,000
300,000
100,000
Accidental Death
Per Child
25,000
75,000
25,000
Permanent Disablement as specified below,

if occurring within 365 days after accident
(i)
Total and incurable paralysis, complete and

incurable insanity or injuries resulting in
permanent bedridden
100%
100%
100%
% As Per Accidental Death Sum Insured
(ii)
Loss of two limbs at or above wrist or ankle
100%
100%
100%
(iii)
Loss of sight of both eyes
75%
75%
75%
(iv)
Loss of hearing of both ears
50%
50%
50%
(v)
Loss of speech
50%
50%
50%
(vi)
Loss of one limb at or above wrist or ankle
50%
50%
50%
(vii)
Loss of sight of one eye
50%
50%
50%
(viii)
Loss of hearing of one ear
25%
25%
25%
B. Medical & Other Expenses

4
Medical Expenses
(Overseas: due to Accident &
Sickness
Domestic: due to Accident only)
Each Insured
Person
50,000
300,000
50,000
Per Family
100,000
600,000
100,000
Follow-up Medical Treatment

in Malaysia (Reimbursement for
follow up treatment within 90
days upon return to Malaysia)
Each Insured
Person
10,000
30,000
NA
Per Family
30,000
90,000
NA
Alternative Medicine
Each Insured
Person
500
1,000
NA
Per Family
1,500
3,000
NA
Compassionate Visit Benefit

(Due to Hospitalization or Death
of Insured Person)
Each Insured
Person
5,000
7,500
NA
Per Family
15,000
22,500
NA
Child Companion
Each Insured
Person
5,000
10,000
NA
Per Family
15,000
30,000
NA
Each Insured
Person
100 per day

up to 5,000
300 per day

up to 10,000
NA
Per Family
100 per day

up to 15,000
300 per day

up to 30,000
NA
Hospital Allowance
Note: NA - Not Applicable. Please refer to Description of Benefits & policy for full info.
Sum Insured (RM)
Benefits
Overseas
Plan B
Plan A
C. Emergency Medical Evacuation & Repatriation (by Asia Assistance Network)
Domestic
10
Emergency Medical Evacuation

& Repatriation
Per Event
1,000,000
1,000,000
NA
11
Repatriation of Mortal Remains
Per Event
1,000,000
1,000,000
NA
400
800
400
D. Travel Inconveniences
12
Baggage Delay
(RM200/every 6 hours)
Each Insured
Person
Per Family
1,200
2,400
1,200
13
Loss of Baggage /
Personal Effects
(Excess = RM100)
Each Insured
Person
2,000
6,000
1,000
Per Family
6,000
18,000
3,000
Per Article
1,000
1,000
500
Loss of Travel Documents &

Personal Money
(Reimbursement for cost of obtaining
replacement passports, travel tickets
and other relevant travel documents.)
(Loss of money due to theft is covered
up to RM1,000)
(Excess = RM100)
Each Insured
Person
3,000
8,000
NA
Per Family
15,000
25,000
NA
Flight Delay
(RM200/every 6 hours)
Each Insured
Person
1,000
3,000
400
Per Family
3,000
9,000
1,200
Each Insured
Person
3,000
5,000
1,000
Per Family
15,000
25,000
5,000
1,000,000
1,000,000
NA
500 per day

up to 5,000
1,000 per day

up to 10,000
NA
1,500 per day

up to 15,000
3,000 per day

up to 30,000
NA
Each Insured
Person
5,000
20,000
2,500
Per Family
15,000
60,000
7,500
Each Insured
Person
NA
2,000
NA
Per Family
NA
6,000
NA
14
15
16
Loss of Deposit or Payment due

to abscondment or insolvency
of travel agents
17
Personal Liability
18
Hijacking Inconvenience
Each Insured
Person
Per Family
19
20
Trip Cancellation
Trip Postponement
Sum Insured (RM)
Benefits
Overseas
Plan B
Plan A
Domestic
D. Travel Inconveniences
21
22
23
Trip Curtailment Expenses

(Reimbursement for proportional
return of irrecoverable prepaid costs
incurred, if it is necessary and
unavoidable to curtail your trip)
Each Insured
Person
5,000
20,000
2,500
Per Family
15,000
60,000
7,500
Travel Missed Connections

(Pays due to common air carrier
misconnection and no alternative
transportation is made available to
you within 6 hours)
Each Insured
Person
200
200
NA
Per Family
600
600
NA
1,000
3,000
NA
3,000
9,000
NA
Travel Overbooked
Each Insured
(Pays due to overbooked common
Person
air carrier & no alternative
Per Family
transportation is made available to you)
RM200/6 hours
24
25
Travel Reroute
(Pays if the arrival of the scheduled
carrier is delayed for at least 6 hours
due to rerouting)
Each Insured
Person
200
200
NA
Per Family
600
600
NA
Missed Departure
(Reimbursement for additional
accomodation & travel expenses
necessarily and reasonably incurred
due to mechanical breakdown of
public transport services, to get you
to the departure port, airport or train
station, as stated in your ticket)
Each Insured
Person
NA
1,000
NA
Per Family
NA
3,000
NA
26
Home Content Benefit

(Pays damages results of fire)
NA
Up to 10,000
per household
NA
27
Rental Car Excess Cover
Up to 1,000
Up to 1,000
NA
28
Emergency Telephone Charges
100
100
NA
29
Automatic Extension of Cover
up to 30 days
up to 30 days up to 30 days
Special Features (by Asia Assistance Network) - Available for Overseas Travel only
1. Telephone Medical Referral
6. Emergency Message Relay
2. Hospitalization
7. Arrangement of Flights
3. Despatch of Medication Not Available Locally
8. Legal Referral
4. Pre-trip Travel Information
9. Referral to Interpreter / Translator
5. Retrieval of Lost Items
YOUR TRAVEL PREMIUM

Return Trip Premium
For Overseas Travel
Destination
AREA 1
AREA 2
Duration
Plan A (RM)
Insured Insured & Family
Only
Spouse
Plan B (RM)
Insured Insured & Family
Only
Spouse
1-7 days
29
51
73
40
70
100
8-14 days
45
79
113
61
107
153
15-21 days
58
102
145
79
139
198
22-28 days
65
114
163
89
156
223
After 28 days: Each

Additional Day
10
1-7 days
48
84
120
66
116
165
8-14 days
73
128
183
100
175
250
15-21 days
95
167
238
130
228
325
22-28 days
106
186
265
146
256
365
After 28 days: Each

Additional Day
13
11
15
For Domestic Travel
Destination
DOMESTIC
Duration
Insured Only (RM)
Insured & Spouse (RM)
Family (RM)
1-7 days
18
32
45
8-14 days
27
48
68
15-21 days
35
62
88
22-28 days
40
70
100
After 28 days: Each

Additional Day
For Annual Premium Plan: Covers Overseas Travel and Domestic Travel
Plan A (RM)
Destination
ANNUAL PREMIUM PLAN
Insured Insured &

Only
Spouse
258
408
Plan B (RM)
Family
578
Insured Insured &

Only
Spouse
318
558
Family
798
AREA 1
Australia, Brunei, Cambodia, China, Hong Kong, Macau, India, Indonesia, Japan, Thailand, South
Korea, Laos, Myanmar, New Zealand, Pakistan, Philippines, Sri Lanka, Singapore, Taiwan and
Vietnam. (20 Countries)
AREA 2
Worldwide (Exclude Domestic Travel)
Family includes you, your legal spouse & your child(ren) from 3 months - 18 years old (or up to 23 years
old if in tertiary education). Premiums are subject to RM10 Stamp Duty. Kindly refer to Important
Notes in the Brochure herein.
GREAT SAVINGS!
Annual Premium Plan
GREAT SAVINGS WITH ANNUAL PREMIUM PLAN

If you are a frequent traveler, why not take up our Annual Premium Plan? Our Annual Premium Plan
offers you unlimited number of travel up to 90 days for each trip within a year during your policy
duration!
Heres the Savings:
Example: If you are travelling 8 times a year (Round Trip at Area 1), each trip lasts for 14 days:
PREMIUM CALCULATION
Round Trip (2-way Trip)
Annual Trip
RM360
(8 Round Trips X RM45)
RM258
(Unlimited No. of Trips)
YOUR SAVINGS
RM102
Note: The example above is derived from a Round Trip (2-way Trip) for realistic illustrations.
DESCRIPTION OF BENEFITS
PERSONAL ACCIDENT
Accidental Death
A lump sum compensation as specified in the Schedule of Benefits is paid as a
result of accidental death to the Insured Person while travelling.
Permanent Disablement
If you suffer total permanent disablement while travelling, you will receive
compensation as per the Schedule of Benefits.
MEDICAL AND OTHER

EXPENSES
MEDICAL
& OTHER EXPENSES
Medical Expenses
Should you be accidentally injured while travelling, we will reimburse you the
medical expenses incurred up to a limit as specified in the Schedule of Benefits.
This benefit is also extended to include medical expenses incurred if you fell ill while
overseas.
Follow-up Medical Treatment in Malaysia
We will reimburse you up to the maximum sum Insured applicable to the selected
plan as specified in the Schedule of Benefits for follow-up treatment in Malaysia for
injury or sickness which the Insured Person sustained whilst overseas.
Alternative Medicine
Necessary alternative medical treatment expenses incurred as a result of an
accident up to the limit stated in the Schedule of Benefits where treatment is
carried out by a registered chinese physician, physiotherapist and/or chiropractor
provided treatment is first sought from a medical practitioner within 48 hours from
the date of sickness (for overseas travel only).
Compassionate Visit Benefit
In the event of the Insured Persons death is due to an accident or sickness whilst
on the trip and no adult member of the Insured Persons family is with the Insured
Person, we will reimburse reasonable travelling (by economy class) and hotel
accommodation expenses up to the limit stated in the Schedule of Benefits
incurred by a relative or friend until the Insured Person can return to Malaysia or
able to resume his/her trip or until completion of the period of insurance or assist
in the burial or cremation arrangements in the locality where death occurs.
Child Companion
We will reimburse reasonable travelling (by economy class) and hotel
accommodation expenses of up to the limit stated in the Schedule of Benefits for
your relative or friend required on medical advice from the treating physician to take
care of your children traveling with you who are left unattended as a result of your
hospitalization while overseas, back to Malaysia.
Hospital Allowance
If you are being confined in a hospital overseas as an in-patient on the
recommendation of a medical practitioner as a result of bodily Injury or sickness
sustained during your overseas trip, we will reimburse you the amount for each day
of hospital confinement incurred stated in the Schedule of Benefits.
Emergency Medical Evacuation & Repatriation
In the event of emergency medical evacuation (in a medical critical condition as
judged appropriate by the Asia Assistance Network) to the nearest hospital up to the
maximum sum insured based on the selected plan as specified in the Schedule of
Benefits as a result of injury or sickness sustained by the Insured Person whilst
overseas.
If the Insured Person is hospitalized abroad and it is medically necessary for the
Insured Person to be repatriated back to Malaysia to continue treatment, we will pay
necessary repatriation costs including the transportation costs as specified in the
Schedule of Benefits.
Repatriation of Mortal Remains
Pays for the cost of burial or cremation in the locality where death occurs or the
expenses of transporting the mortal remains back to Malaysia.
Baggage Delay
Should your baggage be delayed for every full six (6) consecutive hours of the time
of arrival at the scheduled destination, we will reimburse you for any emergency
purchase of essential items like clothing and toiletries. This is subject to the limits
specified in the Schedule of Benefits.
Loss of Baggage/Personal Effects
We will reimburse you for the loss of or damage to your luggage and/or personal
effects while travelling up to a limit as specified in the Schedule of Benefits.
Loss of Travel Documents & Personal Money
We will reimburse you for any one claim or series of claims arising from the same
incidence including cost of replacing lost travel documents during any one Journey
shall not exceed the limit as specified in the Schedule of Benefits.
For loss of cash, travellers cheques or banknotes belonging to him/her due to
robbery, burglary, theft whilst the Insured Person is overseas, we will pay up to
RM1,000 subject to a police report being lodged.
Flight Delay
Pays if the conveyance is delayed from the scheduled departure time for each full six
(6) consecutive hours due to strike, adverse weather conditions, technical problem
or airport closure.
Loss Of Deposit or Payment due to abscondment or Insolvency of Travel Agents
In the event before the departure date of your planned journey, the travel agency
from where you have purchased your air tickets or tour packages has absconded
or declared insolvent, we will reimburse you for loss of irrecoverable deposits or full
payments paid in advance for air tickets or tour packages, as per the limit as
Personal Liability
Should you become legally liable to pay a third party for accidental bodily injury or
accidental property damage while travelling, we will pay for indemnities incur,
subject to the limit as specified in the Schedule of Benefits.
Hijacking Inconvenience
In the event of the hijack by criminal elements of the conveyance in which you are
travelling, we will pay the amount up to the limit as specified in the Schedule of
Benefits.
Trip Cancellation
Should your planned trip be cancelled due to your death, serious sickness or injury
or similarly of a member of your immediate family, damage to your residence due to
natural disaster or outbreak of infectious epidemic at the travel destination, we will
reimburse your necessary pre-paid (non-refundable) expenses up to a limit as
Trip Postponement
If your trip is deferred or postponed, arising from the similar as stipulated in Trip
Cancellation above, causes after this insurance has been effected, we will
reimburse you up to the limit as stated in the Schedule of Benefits.
Trip Curtailment Expenses
Reimburses for proportional return of irrecoverable prepaid costs incurred, if it is
necessary & unavoidable to curtail your trip.
Travel Missed Connections
If your incoming flight is delayed within six (6) full consecutive hours, causing you to
miss your connecting flight, we will pay an allowance as specified in the Schedule
of Benefits.
Travel Overbooked
Pays due to overbooked common air carrier and no alternative transportation is
made available to you within six (6) full consecutive hours of the incoming flight actual
arrival time.
Travel Reroute
Pays as specified in the Schedule of Benefits if the arrival of the scheduled public
conveyance is delayed for six (6) full consecutive hours due to rerouting.
Missed Departure
Reimburses for additional accommodation and travel expenses necessarily and
reasonably incurred, as a result of mechanical breakdown of public transport
services, to get you to the departure port, airport or train station, as stated in your
ticket.
Home Content Benefit
Pays for damages to your home contents as a result of fire when your house is left
vacant while you are travelling outside Malaysia.
Rental Car Excess Cover
Reimbursement for any excess/deductible up to a limit as specified in the Schedule
of Benefits which you become legally liable to pay in respect of loss or damage to
rental car during the rental period due to accident.
Emergency Telephone Charges
Reimbursement up to the limit as specified in the Schedule of Benefits for the
phone charges incurred for the sole purpose of engaging the services of our
Appointed Assistance Company during a medical assistance/emergency.
Automatic Extension Of Cover
We will extend the cover for a further period up to 30 days for you to complete the
planned journey due to bodily injury, sickness or delayed of booked transport
beyond your control.
Note: Full details of benefits are available in the policy.
GENERAL EXCLUSIONS
1.
2.
3.
4.
5.
6.
7.
8.
War, terrorism, radiation or contamination by radioactivity, nuclear weapons material.

Suicide or insanity.
HIV and/or HIV related illness including AIDS.
Childbirth, pregnancy, miscarriage or any complications thereof.
Pre-existing physical or medical conditions, physical or mental defects
or infirmity.
Self inflicted injury and provoke murder or assault.
Engaging in dangerous activities.
Criminal or illegal activities.
Note: This list is non-exhaustive. Please refer to the Policy for the full list of exclusions.
IMPORTANT NOTES
1.
2.
3.
4.
5.
6.
7.
8.
9.
You and your spouse must be between 18 and 65 years old.

Your children must be aged between 3 months and 18 years old (or 23 years old, if they are in
tertiary education).
Travel For More is only applicable to Malaysians, permanent residents and work permit holders
who are legally employed in Malaysia.
You can only purchase one such Policy for the same journey, where each trip must begin and
end in Malaysia.
The maximum period for any one journey is 90 days.
The Policy shall be interpreted in accordance with the law and jurisdiction of Malaysia.
In the event of claim, please contact any OACM branch or your agent as soon as possible and
submit all original receipts, invoices and other relevant documents.
The Description of Benefits are a brief summary for quick & easy reference only. Full terms &
conditions are available in Policy document. Kindly contact any OACM branch, agent or OACM
Customer Service Careline at 03-4259 8900 for more details.
This brochure is for general information only. You are advised to refer to the Product Disclosure
Sheet before purchasing the plan. The exclusions and limitations of benefits highlighted above
are not exhaustive. For further information, reference shall be made to the terms and conditions
specified in the policy issued by OACM. In the event of differences arising between the English,
Bahasa Malaysia and Chinese versions, the English version shall prevail.
TRAVEL FOR MORE!
Travel For More adalah pelan perlindungan insurans perjalanan untuk keperluan anda yang
menawarkan Perlindungan Komprehensif Perjalanan anda dengan LEBIH Nilai & ketenangan
minda. Pelan Travel For More kami menawarkan perlindungan perubatan yang lebih luas & LEBIH
manfaat untuk kesesuaian anda. Tambahan pula, anda akan menikmati perlindungan terbaik pada
kadar serendah RM3.21 sehari* sahaja dengan Travel For More.
Sila baca atau hubungi ejen anda untuk maklumat lanjut berkaitan Perlindungan & Penjimatan Terbaik.
* RM3.21 sehari pada dasar 14 hari Perjalanan Pergi Balik luar Negara Kawasan 1 (terdapat 20 Negara untuk pemilihan)
dibawah Pelan yang diinsuranskan RM100,000 untuk seseorang (Individu Yang Diinsuranskan sahaja) dengan RM45.
s
Sekila
t
a
a
f
Man ndang
Pa
1. Kemalangan Maut & Hilang Upaya Kekal
2. Perbelanjaan Perubatan Komprehensif & Manfaat Perubatan berkaitan
Perlindungan ketika di luar Negara sehingga RM600,000 untuk Pelan Keluarga & sehingga
RM300,000 untuk Pelan Individu yang Diinsuranskan untuk kemalangan & penyakit.
Termasuk perbelanjaan rawatan susulan perubatan sekembali ke Malaysia sehingga
RM90,000 untuk Pelan Keluarga, sehingga RM30,000 untuk Pelan Individu yang
Diinsuranskan; Perubatan Alternatif sehingga RM3,000 untuk Pelan Keluarga, sehingga
RM1,000 untuk Pelan Individu yang Diinsuranskan; Elaun Hospital RM300 sehari sehingga
RM30,000 untuk Pelan Keluarga, Penjagaan kanak-kanak & banyak manfaat lagi.
Pemindahan Kecemasan Perubatan & Penghantaran Pulang; dan Penghantaran Pulang
Mayat sehingga RM1,000,000.
3. Lebih Perlindungan untuk Kesulitan Perjalanan
Termasuk kehilangan Dokumen Perjalanan & Wang Milik Diri sehingga RM25,000 untuk
Pelan Keluarga & sehingga RM8,000 untuk Pelan Individu yang Diinsuranskan.
Kesulitan Akibat Perampasan RM3,000 sehari sehingga RM30,000 untuk Pelan Keluarga
& RM1,000 sehari sehingga RM10,000 untuk Pelan Individu yang Diinsuranskan.
Penangguhan Perjalanan sehingga RM6,000 untuk Pelan Keluarga & RM2,000 untuk Pelan
Individu yang Diinsuranskan.
Pembatalan Perjalanan & Perbelanjaan Pemendekan Perjalanan sehingga RM60,000 untuk
Pelan Keluarga & sehingga RM20,000 untuk Pelan Individu yang Diinsuranskan
Caj Telefon Kecemasan untuk Perjalanan Luar Negara sehingga RM100.
Hilang Wang Pendahuluan atau Bayaran akibat ejen perjalanan melarikan diri atau di isytihar
muflis sehingga RM25,000 untuk Pelan Keluarga & sehingga RM5,000 untuk Pelan Individu
yang Diinsuranskan.
Manfaat Isi Rumah sehingga RM10,000 bagi setiap isi rumah.
Perlindungan Tambahan Automatik sehingga 30 hari akibat kecederaan atau sakit untuk
Perjalanan Luar Negara atau Domestik.
Lain-lain kesulitan perjalanan seperti Kelewatan Penerbangan, Kehilangan Bagasi,
Kelewatan Bagasi, Ketinggalan Sambung Penerbangan, Ketinggalan Berlepas, Liabiliti Diri,
Perlindungan Ekses Sewa Kenderaan, Terlebih Had Tempahan Perjalanan & Perjalanan
Melalui Laluan Lain adalah dilindungi.
Nota: Sila rujuk Jadual Manfaat untuk maklumat lanjut.
JADUAL MANFAAT
Perjalanan Luar Negara & Domestik

Amaun Insured (RM)
Manfaat
Luar Negara
Pelan B
Pelan A
Domestik
A. Kemalangan Diri
1.
Kemalangan Maut
Setiap Dewasa
100,000
300,000
100,000
2.
Kemalangan Maut
Setiap Kanak-kanak
25,000
75,000
25,000
3.
Hilang Upaya Kekal seperti dinyatakan dibawah,

jika berlaku dalam tempoh 365 hari selepas kemalangan
(i)
Lumpuh seluruhnya dan tidak dapat sembuh, tidak siuman

seluruhnya dan tidak dapat sembuh atau kecederaan kekal
menyebabkan terlantar di tempat tidur
100%
100%
100%
(ii)
Kehilangan anggota tubuh pada paras atau atas pergelangan

tangan atau buku lali.
100%
100%
100%
(iii)
Kehilangan Daya Penglihatan kedua-dua mata
75%
75%
75%
(iv)
Kehilangan Daya Pendengaran kedua-dua telinga
50%
50%
50%
(v)
Kehilangan Daya Pertuturan
50%
50%
50%
(vi)
Kehilangan satu anggota tubuh pada paras atau atas

pergelangan tangan atau buku lali
50%
50%
50%
(vii)
Kehilangan Daya Penglihatan satu mata
50%
50%
50%
(viii)
Kehilangan Daya Pendengaran satu telinga
25%
25%
25%
50,000
300,000
50,000
100,000
600,000
100,000
% ke atas Amaun Insurans Kemalangan Maut
B. Perubatan & Perbelanjaan Lain

Perbelanjaan Perubatan
(Luar Negara: akibat kemalangan
dan sakit
Domestik: akibat kemalangan sahaja)
Setiap Individu
yang
Diinsuranskan
Setiap Keluarga
5.
Rawatan Susulan Perubatan

dalam Malaysia (Pembayaran balik
untuk rawatan susulan dalam tempoh
90 hari sekembali ke Malaysia)
Setiap Individu
yang
Diinsuranskan
10,000
30,000
T/A
Setiap Keluarga
30,000
90,000
T/A
6.
Perubatan Alternatif
Setiap Individu
yang
Diinsuranskan
Setiap Keluarga
500
1,000
T/A
1,500
3,000
T/A
5,000
7,500
T/A
15,000
22,500
T/A
5,000
10,000
T/A
15,000
30,000
T/A
100 sehari
sehingga 5,000
300 sehari
sehingga 10,000
T/A
100 sehari
300 sehari
sehingga 15,000 sehingga 30,000
T/A
4.
Manfaat Penjagaan Simpati

(kerana kemasukan ke hospital atau
kematian Individu yang Diinsuranskan)
Setiap Individu
yang
Diinsuranskan
Setiap Keluarga
8.
Penjagaan Kanak-kanak
Setiap Individu
yang
Diinsuranskan
Setiap Keluarga
9.
Elaun Hospital
Setiap Individu
yang
Diinsuranskan
Setiap Keluarga
7.
Nota: T/A Tidak Ada Sila rujuk Jadual Manfaat untuk maklumat lanjut.
JADUAL MANFAAT

Amaun Insured (RM)
Manfaat
Luar Negara
Domestik
Pelan B
Pelan A
C. Pemindahan Kecemasan Perubatan & Penghantaran (oleh Asia Assistance Network)
10.
Pemindahan Kecemasan
Perubatan & Penghantaran Pulang
Setiap kejadian
1,000,000
1,000,000
T/A
11.
Penghantaran Pulang Mayat
Setiap kejadian
1,000,000
1,000,000
T/A
400
800
400
D. Kesulitan Perjalanan
12.
Kelewatan Bagasi
(RM200/setiap 6 jam)
Setiap individu
yang
diinsuranskan
Setiap Keluarga
1,200
2,400
1,200
13.
Kehilangan Bagasi/Barangan
Milik Peribadi
(Ekses = RM100)
Setiap individu
yang
diinsuranskan
Setiap Keluarga
Setiap Artikel
2,000
6,000
1,000
6,000
1,000
18,000
1,000
3,000
500
Kehilangan Dokumen Perjalanan

& Wang Milik Diri (Pembayaran balik
kos untuk mendapatkan penggantian
passport, tiket perjalanan dan lain-lain
dokumen perjalanan yang berkaitan).
(Perlindungan kehilangan wang akibat
kecurian sehingga RM1,000)
(Ekses = RM100)
Setiap individu
yang
diinsuranskan
Setiap Keluarga
3,000
8,000
T/A
15,000
25,000
T/A
Kelewatan Penerbangan
(RM200/setiap 6 jam)
Setiap individu
yang
diinsuranskan
Setiap Keluarga
1,000
3,000
400
3,000
9,000
1,200
Setiap individu
yang
diinsuranskan
Setiap Keluarga
3,000
5,000
1,000
15,000
25,000
5,000
1,000,000
1,000,000
T/A
1,000 sehari
sehingga 10,000
T/A
3,000 sehari
sehingga 30,000
T/A
5,000
20,000
2,500
15,000
60,000
7,500
T/A
2,000
T/A
T/A
6,000
T/A
14.
15.
16.
Kehilangan Bayaran Wang

Pendahuluan akibat ejen perjalanan
melarikan diri atau muflis
17.
Liabiliti Peribadi
18.
Kesulitan Akibat Perampasan
19.
20.
Pembatalan Perjalanan
Penangguhan Perjalanan
Setiap individu 500 sehari

yang
sehingga 5,000
diinsuranskan
Setiap Keluarga 1,500 sehari
sehingga 15,000
Setiap individu
yang
diinsuranskan
Setiap Keluarga
Setiap individu
yang
diinsuranskan
Setiap Keluarga
JADUAL MANFAAT

Amaun Insured (RM)
Manfaat
Luar Negara
Pelan B
Pelan A
Domestik
D. Kesulitan Perjalanan
21.
22.
23.
24.
25.
Perbelanjaan Pemendekkan
Perjalanan (Bayaran balik untuk bahagian
pulangan keatas kos bayaran terdahulu
yang tidak dapat diperolehi semula, jika
perlu dan pemendekkan perjalanan tidak
dapat dielakkan).
Setiap Individu
yang
Diinsuranskan
Setiap Keluarga
Ketinggalan Sambung Perjalanan

Penerbangan (Bayar kerana kegagalan
pengangkutan udara biasa menyambung
perjalanan penerbangan dan tiada
pengangkutan alternatif disediakan untuk
anda dalam tempoh 6 jam).
5,000
20,000
2,500
15,000
60,000
7,500
Setiap Individu
yang
Diinsuranskan
Setiap Keluarga
200
200
T/A
600
600
T/A
Terlebih Had Tempahan Perjalanan

(Bayar kerana kegagalan pengangkutan
udara biasa menyambung perjalanan
penerbangan dan tiada pengangkutan
alternatif disediakan untuk anda)
RM200/setiap 6 jam.
Setiap Individu
yang
Diinsuranskan
Setiap Keluarga
1,000
3,000
T/A
3,000
9,000
T/A
Perjalanan Melalui Laluan Lain

(Bayar jika ketibaan lewat dari jadual
penghantaran awam sekurang-kurangnya
6 jam disebabkan melalui laluan lain).
Setiap Individu
yang
Diinsuranskan
Setiap Keluarga
200
200
T/A
600
600
T/A
Ketinggalan Berlepas
(Bayaran balik bagi keperluan perbelanjaan
tambahan perjalanan dan tempat kediaman
yang wajar disebabkan perkhidmatan
pengangkutan awam untuk membawa anda
ke tempat berlepas di pelabuhan, lapangan
terbang udara atau stesyen kereta api,
seperti dinyata di tiket anda telah
mengalami kerosakkan mekanikal).
Setiap Individu
yang
Diinsuranskan
Setiap Keluarga
T/A
1,000
T/A
T/A
3,000
T/A
T/A
Sehingga 10,000
setiap isi rumah
T/A
Sehingga 1,000 Sehingga 1,000
T/A
26.
Manfaat Isi Rumah

(Bayar kerosakan akibat kebakaran)
27.
Perlindungan Ekses Sewa Kereta
28.
Caj Telefon Kecemasan
29.
Perlindungan Tambahan Automatik
100
Sehingga 30 hari
100
T/A
Sehingga 30 hari Sehingga 30 hari
Ciri-ciri Istimewa (oleh Asia Assistance Network) disediakan untuk perjalanan Luar Negara sahaja
1.
Rujukan Perubatan melalui telefon
6.
Penghantaran Mesej Kecemasan
2.
Kemasukan hospital
7.
Pengaturan Penerbangan
3.
Penghantaran Perubatan yang tidak terdapat

di dalam negara
8.
Rujukan Undang-Undang
9.
Rujukan kepada Jurubahasa

/Penterjemah
4.
Maklumat pra-perjalanan
5.
Mendapatkan kembali barang-barang yang hilang
PREMIUM PERJALANAN ANDA

Premium Perjalanan Pergi & Balik
Untuk Perjalanan Luar Negara
Pelan A (RM)
Destinasi
KAWASAN 1
KAWASAN 2
Pelan B (RM)
Individu yang Individu yang

Individu yang Individu yang
diinsuranskan diinsuranskan & Keluarga diinsuranskan diinsuranskan & Keluarga
sahaja
suami/isteri
sahaja
suami/isteri
Jangka Masa
1-7 hari
29
51
73
40
70
100
8-14 hari
45
79
113
61
107
153
15-21 hari
58
102
145
79
139
198
22-28 hari
Selepas 28 hari: Setiap
Tambahan Hari
65
114
163
89
156
223
10
1-7 hari
48
84
120
66
116
165
8-14 hari
73
128
183
100
175
250
15-21 hari
95
167
238
130
228
325
22-28 hari
Tambahan Hari
106
186
265
146
256
365
13
11
15
Untuk Perjalanan Domestik

Destinasi
DOMESTIK
Jangka Masa
Individu yang
diinsuranskan sahaja (RM)
Individu yang diinsuranskan

& suami/isteri (RM)
Keluarga (RM)
1-7 hari
18
32
45
8-14 hari
27
48
68
15-21 hari
35
62
88
22-28 hari
40
70
3
6
Tambahan Hari
Pelan Premium Tahunan: Meliputi Perjalanan Luar Negara & Perjalanan Domestik
Pelan A (RM)
Pelan B (RM)
Destinasi
Individu yang
Individu yang
Individu yang
Individu yang
diinsuranskan diinsuranskan &
sahaja
suami/isteri
PELAN PREMIUM TAHUNAN
258
408
100
8
Keluarga
diinsuranskan
sahaja
diinsuranskan &
suami/isteri
Keluarga
578
318
558
798
KAWASAN 1
Australia, Brunei, Kemboja, China, Hong Kong, Macau, India, Indonesia, Jepun, Thailand, Korea Selatan, Laos,
Myanmar, New Zealand, Pakistan, Filipina, Sri Lanka, Singapura, Taiwan dan Vietnam. (20 Negara)
KAWASAN 2
Seluruh Dunia (Kecuali Perjalanan Domestik)
Keluarga termasuk anda, suami atau isteri anda & anak-anak berumur dari 3 bulan 18 tahun yang sah dari segi undangundang (atau sehinga umur 23 tahun jika masih di institusi pengajian tinggi yang diiktiraf). Premium tertakluk pada RM10
Setem Hasil. Sila rujuk Nota Mustahak di dalam Risalah ini.
PENJIMATAN HEBAT DENGAN PELAN PREMIUM TAHUNAN

Jika anda sering melancong, mengapa tidaknya anda mengambil Pelan Premium Tahunan kami? Premium Tahunan
kami menawarkan anda perjalanan yang tiada had sehingga 90 hari untuk setiap perjalanan dalam satu tahun
sepanjang tempoh Polisi!
Penjimatan seperti berikut:
Contoh : Jika anda melancong 8 kali setahun (Pergi & Balik di Kawasan 1), setiap perjalanan berakhir 14 hari:
PENGIRAAN PREMIUM
PENJIMATAN ANDA
Pergi & Balik (2 Haluan Perjalanan)
Perjalanan Tahunan
RM360
(8 perjalanan pergi & balik x RM45)
RM258
(Tiada had bilangan Perjalanan)
RM102
Nota : Contoh yang diambilkira pada perjalanan pergi & balik (2 haluan perjalanan) sebagai penjelasan realistik.
PERIHAL MANFAAT
KEMALANGAN DIRI
Kemalangan Maut
Pampasan seperti dinyatakan dalam Jadual Manfaat dibayar jika berlaku
kemalangan maut pada Individu yang diinsuranskan semasa dalam perjalanan.
Hilang Keupayaan Kekal
Jika anda mengalami hilang upaya kekal menyeluruh ketika dalam perjalanan, anda
akan menerima pampasan seperti yang dinyatakan dalam Jadual Manfaat.
PERUBATAN DAN PERBELANJAAN

LAIN
MEDICAL & OTHER EXPENSES
Perbelanjaan Perubatan
Jika anda mengalami kecederaan akibat kemalangan semasa dalam perjalanan,
kami akan membuat bayaran balik beban perbelanjaan perubatan anda sehingga
had yang dinyatakan dalam Jandual Manfaat. Manfaat ini juga termasuk beban
perbelanjaan perubatan anda jika jatuh sakit semasa berada diluar Negara.
Rawatan Susulan Perubatan Dalam Malaysia
Kami akan membuat bayaran balik kepada anda sehingga had amaun yang
diinsuranskan mengikut pelan pilihan anda dalam Jadual Manfaat bagi rawatan
susulan perubatan di Malaysia untuk kecederaan atau penyakit yang dialami oleh
Individu yang diinsuranskan semasa berada di luar Negara.
Perubatan Alternatif
Perbelanjaan perubatan alternatif, tertakluk pada had yang dinyatakan didalam
Jadual Manfaat, yang perlu ditanggung oleh anda dimana akibat kemalangan,
rawatan anda dilakukan oleh Pengamal Perubatan Cina, ahli fisioterapi dan/atau
perawat tulang belakang dengan syarat anda mendapatkan rawatan pertama
terlebih dulu dari pengamal perubatan berdaftar dalam tempoh 48 jam dari tarikh
sakit.
Manfaat Penjagaan Simpati
Jika berlaku kematian pada Individu yang diinsuranskan akibat kemalangan atau
sakit semasa dalam perjalanan dan tiada ahli dewasa dari kalangan keluarga
Individu yang diinsuranskan tersebut bersamanya, kami akan bayar balik beban
perbelanjaan perjalanan (tempat kelas ekonomi) dan tempat kediaman yang
sewajarnya sehingga had yang dinyatakan dalam Jadual Manfaat kepada saudara
atau kawannya sehingga Individu yang diinsuranskan tersebut pulang kembali ke
Malaysia atau mampu meneruskan perjalanannya atau sehingga seluruh tempoh
masa insurans atau membantu mengaturkan upacara pengkebumian atau
pembakaran mayat di kawasan tempat berlakunya kematian.
Penjagaan Kanak-kanak
Kami akan bayar balik perbelanjaan perjalanan (tempat kelas economi) dan tempat
kediaman sehingga had yang dinyatakan dalam Jadual Manfaat, untuk saudara atau
kawan anda yang diperlukan menjaga anak anda (yang mengikut perjalanan
bersama anda) yang ketiadaan penjaga atas nasihat doktor pakar yang merawat
anda semasa anda dalam rawatan di hospital luar Negara, sehingga pulang kembali
ke Malaysia.
PERIHAL MANFAAT
Elaun Hospital
Jika anda dimasukkan ke hospital luar Negara atas sokongan pengamal perubatan
untuk menerima rawatan sebagai Pesakit Dalam disebabkan mengalami kecederaan
tubuh badan atau sakit semasa dalam perjalananan, kami akan bayar anda amaun
bagi setiap hari anda berada dihospital seperti dinyatakan dalam Jadual Manfaat.
Pemindahan Kecemasan Perubatan & Penghantaran Pulang
Jika berlaku pemindahan kecemasan perubatan (keadaan kesihatan kritikal yang
dianggap sesuai oleh Asia Assistance Network) ke hospital yang berdekatan akibat
MEDICAL
& OTHER
EXPENSES
kecederaan atau sakit yang dialami
oleh Individu
yang
diinsuranskan semasa di luar
Negara, ianya tertakluk pada had maksima jumlah yang diinsuranskan berdasarkan
pada pilihan pelan yang dinyatakan dalam Jadual Manfaat.
Jika Individu yang diinsuranskan berada di hospital luar Negara dan pada segi
perubatan Individu yang diinsuranskan tersebut diperlu bawa pulang ke Malaysia
untuk meneruskan semula rawatan, kami akan bayar kos penghantaran pulang
termasuk kos pengangkutan seperti dinyatakan dalam Jadual Manfaat.
Penghantaran Pulang Mayat
Bayar untuk kos pengebumian atau pembakaran mayat di kawasan tempat berlaku
kematian atau perbelanjaan pengangkutan untuk membawa pulang mayat ke
Malaysia.
Kelewatan Bagasi
Sekiranya bagasi anda terlewat bagi setiap enam (6) jam sepenuhnya berturut-turut
dari masa ketibaan di destinasi yang telah dijadualkan, kami akan membayar balik
kepada anda untuk sebarang pembelian barang-barang keperluan kecemasan
seperti pakaian dan barang-barang keperluan tertakluk pada had yang dinyatakan
dalam Jadual Manfaat.
Kehilangan Bagasi/Barang Milik Peribadi
Kami akan bayar kerugian anda bagi kehilangan atau kerosakan pada bagasi
dan/atau harta milik diri anda jika berlaku semasa dalam perjalanan sehingga had
yang dinyatakan dalam Jadual Manfaat.
Kehilangan Dokumen Perjalanan & Wang Milik Diri
Kami akan bayar balik setiap tuntutan atau mana-mana tuntutan kerugian anda yang
berlaku dari kejadian yang sama termasuk kos gantian semula dokumen perjalanan
yang hilang sepanjang mana-mana Perjalanan tidak melebehi had yang dinyatakan
Bagi kerugian wang tunai, cek kembara (Travellers cheques) atau wang kertas milik
anda/Individu yang diinsuranskan akibat rompakan, kecurian, pencurian semasa
berada di luar Negara, kami akan bayar sehingga RM1,000 tertakluk pada laporan
polis yang telah dibuat.
Kelewatan Penerbangan
Kami bayar jika pesawat pembawa lewat dari masa jadual keberangkatan setiap
enam (6) jam sepenuhnya berturut-turut disebabkan mogok, keadaan cuaca yang
kurang baik, masalah teknikal atau penutupan lapangan terbang.
PERIHAL MANFAAT
Kehilangan Bayaran Wang Pendahuluan Akibat Ejen Perjalanan Melarikan Diri

Atau Muflis
Jika berlaku sebelum tarikh jadual keberangkatan perjalanan anda dimana pembelian
tiket penerbangan atau pakej pelancongan anda dibuat melalui ejen perjalanan yang
telah melarikan diri atau diisytihar muflis, kami akan bayar ganti rugi wang
pendahuluan atau bayaran penuh bagi tiket penerbangan atau pakej pelancongan
anda yang telah dibuat terlebih dahulu yang tidak dapat diperolehi semula.
Liability Peribadi
Jika anda didapati wajib bayar ganti rugi dari sisi undang-undang kepada pihak
ketiga yang cedera dari kemalangan atau kerosakan harta kerana kesalahan anda
semasa dalam perjalanan, kami akan bayar balik ganti rugi tersebut tertakluk pada
had yang dinyatakan dalam Jadual Manfaat.
Kesulitan Akibat Perampasan
Jika berlaku perampasan oleh unsur jenayah pada pengangkutan yang membawa
Individu yang diinsuranskan dalam perjalanan, kami akan bayar sehingga had yang
dinyatakan dalam Jadual Manfaat.
Pembatalan Perjalanan
Jika pelan perjalanan anda yang telah siap tersusun atur dibatalkan kerana kematian
anda, sakit serius atau cedera atau mana-mana kejadian serupa yang menimpa pada
ahli keluarga terdekat anda, kemusnahan tempat kediaman akibat bencana alam
atau munculnya wabak jangkitan bakteria di destinasi perjalanan, kami akan bayar
balik perbelanjaan bayaran wajib anda terdahulu (yang tidak boleh diperolehi semula)
sehingga had yang dinyatakan dalam Jadual Manfaat.
Penanguhan Perjalanan
Jika perjalanan anda ditangguh atau ditunda diluar kawalan anda selepas insurans
berkuat kuasa, kami akan bayar balik pada anda sehingga had yang dinyatakan
Perbelanjaan Pemendekkan Perjalanan
Kami akan bayar balik pada kadar bahagian pulangan dari keseluruhan kos bayaran
anda terdahulu yang tidak dapat diperoleh semula jika perjalanan anda perlu
dipendekkan dan tidak dapat dielakkan.
Ketinggalan Sambung Perjalanan Penerbangan
Jika ketibaan penerbangan anda lewat dalam masa enam (6) jam berturut turut
menyebabkan anda ketinggalan sambung penerbangan, kami akan bayar elaun
seperti dinyatakan dalam Jadual Manfaat.
Terlebih Had Tempahan Perjalanan
Kami bayar anda jika berlaku terlebih had tempahan pada pengangkutan udara biasa
dan tiada pengangkutan alternatif diadakan untuk anda dalam tempoh enam (6) jam
berturut turut dari masa ketibaan sebenar penerbangan.
PERIHAL MANFAAT
Perjalanan Melalui Laluan Lain

Kami bayar anda seperti dinyatakan dalam Jadual Manfaat jika ketibaan
pengangkutan awam lewat dari jadual selama enam (6) jam berturut-turut kerana
melalui laluan lain.
Ketinggalan Berlepas
Kami bayar anda untuk keperluan tempat kediaman tambahan dan beban
perbelanjaan perjalanan yang wajar jika perkhidmatan pengangkutan awam yang
sepatutnya membawa anda ke tempat berlepas di pelabuhan, lapangan terbang
atau stesen kereta api seperti dinyatakan dalam tiket anda telah mengalami
kerosakan mekanikal.
Manfaat Isi Rumah
Kami bayar kerosakkan isi rumah anda akibat kebakaran dimana rumah berkenaan
ditinggalkan tanpa penghuni oleh anda semasa melancong di luar Malaysia.
Perlindungan Ekses Sewa Kereta
Bayaran ganti balik bagi sebarang ekses/potongan sehingga had yang dinyatakan
dalam Jadual Manfaat dimana anda wajib bayar dari sisi undang-undang diatas
kerugian atau kerosakan pada kereta sewa akibat kemalangan berlaku dalam
tempoh sewaan.
Caj Telefon Kecemasan
Bayaran balik sehingga had yang dinyatakan dalam Jadual Manfaat bagi caj telefon
khusus untuk panggilan mendapatkan perkhidmatan bantuan perubatan/kecemasan
dari wakil kami, Appointed Assistance Company.
Perlindungan Tambahan Automatik
Kami akan lanjutkan perlindungan tambahan sehingga 30 hari untuk anda
sempurnakan sepenuhnya jadual perjalanan anda jika tercedera, sakit atau
kelewatan menempah pengangkutan di luar kawalan anda.
Nota: Butiran penuh manfaat boleh didapati di dalam polisi.
PERIHAL MANFAAT
PENGECUALIAN AM
1.
2.
3.
4.
5.
6.
7.
8.
Peperangan, sebarang tindakan pengganas, radiasi atau pencemaran radioaktif, sebarang

bahan senjata nuklear
Membunuh diri dan atau tidak siuman
HIV dan/atau penyakit berkaitan HIV termasuk AIDS
Kelahiran anak, kehamilan, keguguran atau sebarang komplikasi yang berkaitan
Pra-wujud keadaan fizikal/jasmani dan kesihatan, kecacatan atau kelemahan fizikal atau mental
Kecederaan kepada diri sendiri yang disengajakan dan pembunuhan atau serangan ganas akibat
provokasi
Terlibat dalam aktiviti berbahaya.
Aktiviti jenayah atau aktiviti yang menyalahi undang-undang.
Nota : Senarai ini tidak menyeluruh. Sila rujuk pada Polisi untuk senarai penuh pengecualian
NOTA MUSTAHAK
1. Anda dan suami atau isteri mesti berumur diantara 18 dan 65 tahun.
2. Kanak-kanak anda mesti berumur diantara 3 bulan dan 18 tahun (atau sehingga umur 23 tahun,
jika masih belajar di institusi pengajian tinggi yang diiktiraf)
3. Travel For More hanya untuk Warga Negara Malaysia, Residen Tetap dan Pemegang-Pemegang
Permit Kerja yang bekerja secara sah di Malaysia.
4. Anda hanya layak membeli satu Polisi berkenaan sahaja untuk perjalanan sama dimana setiap
perjalanan mesti bermula dan berakhir di Malaysia.
5. Jangka masa maxima untuk satu perjalanan ialah 90 hari.
6. Polisi ini diterjemahkan mengikut undang-undang dan bidang kuasa Malaysia.
7. Sekiranya berlaku tuntutan kerugian, sila hubungi mana-mana pejabat cawangan OACM atau
ejen anda secepat mungkin dan kemukakan semua dokumen asal resit, invois and lain-lain
dokumen berkaitan.
8. Perihal Manfaat disusun secara ringkas untuk cepat dan mudah rujukan sahaja. Terma & Syarat
penuh sudah sedia ada dalam dokumen Polisi. Sila hubungi OACM Customer Service Careline
03-4259 8900 untuk maklumat lanjut.
9. Risalah ini untuk maklumat am sahaja. Anda dinasihatkan merujuk kepada Dokumen
Keterangan Produk sebelum membeli pelan tersebut. Pengecualian dan had manfaat yang
dinyatakan di atas adalah tidak menyeluruh. Untuk maklumat lanjut, sila rujuk pada terma-terma
dan syarat-syarat yang tertera di dalam Polisi terbitan OACM. Sekiranya terdapat perbezaan di
antara Bahasa Inggeris, Bahasa Malaysia and Bahasa Cina, versi Bahasa Inggeris akan diguna
pakai.
TRAVEL FOR MORE!
Travel For More
Travel For More 3.21*
* 3.21141 (20) ()45100,000
1.
2.
600,000
300,000
90,000
30,0003,000
1,00030030,000
1,000,000
3.
,25,000
8,000
3,000 30,000
1,00010,000
6,0002,000
60,000
20,000
100
25,000
5,000
10,000
30

(RM)
A.
1
100,000
300,000
100,000
25,000
75,000
25,000
365
(i)
100%
100%
100%
(ii)
100%
100%
100%
(iii)
75%
75%
75%
(iv)
50%
50%
50%
(v)
50%
50%
50%
(vi)
50%
50%
50%
(vii)
50%
50%
50%
(viii)
25%
25%
25%
50,000
300,000
50,000
100,000
600,000
100,000
10,000
30,000
30,000
90,000
500
1,000
1,500
3,000
5,000
7,500
15,000
22,500
5,000
10,000
15,000
30,000
100
5,000
300
10,000
100
15,000
300
30,000
B.
4
(
)
(90
)
()
(RM)
C. (Asia Assistance Network)

10
1,000,000
1,000,000
11
1,000,000
1,000,000
400
800
400
1,200
2,400
1,200
2,000
6,000
1,000
6,000
18,000
3,000
1,000
1,000
500
3,000
8,000
15,000
25,000
1,000
3,000
400
3,000
9,000
1,200
3,000
5,000
1,000
15,000
25,000
5,000
1,000,000
1,000,000
500
5,000
1,000
10,000
1,500
15,000
3,000
30,000
5,000
20,000
2,500
15,000
60,000
7,500
2,000
6,000
D.
12
13
14
(200/6)
/
(=100)
(
)
(
1000)
(=100)
15
(200/6)
16
17
18
19
20
(RM)
5,000
20,000
2,500
15,000
60,000
7,500
200
200
600
600
1,000
3,000
3,000
9,000
200
200
600
600
1,000
3,000
10,000
1,000
1,000
100
100
30
30
30
D.
21
22
23
24
25
(6
)
(
)
(
6)
26
()
27
28
29
( Asia Assistance Network ) -

1.
6.
2.
7.
3.
8.
4.
9.
5.
A (RM)
B (RM)
1-7
29
51
73
40
70
100
8-14
45
79
113
61
107
153
15-21
58
102
145
79
139
198
89
156
223
10
22-28
65
114
163
28:
1-7
48
84
120
66
116
165
8-14
73
128
183
100
175
250
15-21
95
167
238
130
228
325
146
256
365
11
15
22-28
106
186
265
28:
13
(RM) (RM)
(RM)
1-7
18
32
45
8-14
27
48
68
15-21
35
62
88
22-28
40
70
100
28:
A (RM)
258
408
B (RM)
578
318
558
798
(20)
2
()
31823 10

90
8114
()
RM360
RM258
(8X45)
()
RM102
/48
Asia Assistance
Network
6,
/
/
1,000
30
1.
2.
3.
4.
5.
6.
7.
8.
HIV/HIV
1.
2.
3.
4.
5.
6.
7.
1865
31823
Travel For More
90
OACM
8.
OACM03-4259 8900
9.
OACM
ABOUT OACM
Overseas Assurance Corporation (Malaysia) Berhad (OACM) is licensed under
Financial Services Act 2013 (FSA) and regulated by Bank Negara Malaysia. It is
the general insurance arm of Great Eastern Group in Malaysia.
MENGENAI OACM
Overseas Assurance Corporation (Malaysia) Berhad (OACM) adalah syarikat
berlesen di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal oleh Bank
Negara Malaysia. Ia merupakan cabang insurans am untuk Great Eastern Group
di Malaysia.
(OACM)2013
OUR OTHER PRODUCTS / PRODUK-PRODUK KAMI YANG LAIN /

Fire
Fire Consequential Loss
Industrial All Risks
Houseowner/Householder
Growing Trees
Marine Cargo
Marine Hull
Equipment
Fidelity Guarantee
Plate Glass
Money
Goods-In-Transit
Public Liability
Product Liability
Hospital Malpractice
Professional Indemnity
Workmen's Compensation
Employer's Liability
Warehousemen/Carrier's Liability
Directors & Officers Liability
Contractor's All Risk
Erection All Risks
Machinery Breakdown
Machinery Breakdown (Loss of Profit)
Electronic Equipment
Boiler & Pressure Vessel
Deterioration of Stock
Storage Tank
Enhanced Comprehensive Personal
Accident
Personal Accident
Group Personal Accident
Family Care Personal Accident
Traveller's Personal Accident
Group Hospitalisation & Surgical
Classic PA
Easi-Drive
Easi-Health Medical Plan
Easi-Home Contents
Easi-Protector Personal Accident
Easi-Travel
Easi-Golf
Easi-Biz
Family Protector Personal Accident
Lady Protector Personal Accident
Platinum PA Personal Accident
Junior Protector Personal Accident
SMI Protector
Overseas Assurance Corporation (Malaysia) Berhad (I02249-P)

(A member of Great Eastern Holdings Limited)
Level 18, Menara Great Eastern, 303, Jalan Ampang,

50450 Kuala Lumpur, Malaysia
General Line /
03-4259 7888 Fax / Faks 03-4813 0055
Talian Am
Customer Service Careline
03-4259 8900
E-mail / E-mel
enquiry@oac.com.my
Website /Laman Web
PENANG
Suite 2-3, Level 2,
Wisma Great Eastern,
No. 25, Lebuh Light,
10200 Pulau Pinang
Tel: 04-261 9361 Fax: 04-261 9058
IPOH
2nd Floor, Wisma Great Eastern,
No. 16 Persiaran Tugu,
Greentown Avenue,
30450 lpoh, Perak
Tel: 05-253 6649 Fax: 05-255 3066
ALOR SETAR
69 & 70, 1st Floor,
Jalan Teluk Wanjah,
05200 Alor Setar, Kedah
Tel: 04-734 6515 Fax: 04-734 6516
KOTA BHARU
No. S25/5252-S, Tingkat 1,
Jalan Sultan Yahya Petra,
15200 Kota Bharu, Kelantan
Tel: 09-748 2698 Fax: 09-744 8533
KLANG
3rd Floor, 10 Jalan Tiara 2A,
Bandar Baru Klang,
41150 Klang, Selangor
Tel: 03-3345 1027 Fax: 03-3345 1029
www.oac.com.my
MEDAN TUANKU
17-21 Jalan Medan Tuanku 1,
Medan Tuanku,
50300 Kuala Lumpur
Tel: 03-2786 1000 Fax: 03-2713 6001
JOHOR BAHRU
Suite 13A-1, Level 13A,
Menara Pelangi, Jalan Kuning,
Taman Pelangi, 80400 Johor Bahru
Tel: 07-334 8988 Fax: 07-334 8977
KUALA LUMPUR
Level 18, Menara Great Eastern,
303 Jalan Ampang,
50450 Kuala Lumpur
Tel: 03-4259 7888 Fax: 03-4813 0088
MELAKA
2-23, Jalan PM15,
Plaza Mahkota, 75000 Melaka
Tel: 06-284 3297 Fax: 06-283 5478
KUANTAN
1st Floor, No. 25,
Jalan Dato' Lim Hoe Lek,
25200 Kuantan, Pahang
Tel: 09-516 2849 Fax: 09-516 2848
SEREMBAN
103-2, Jalan Yam Tuan,
70000 Seremban, Negeri Sembilan
Tel: 06-764 9082 Fax: 06-761 6178
SIBU
2nd Floor, No. 10 A-F,
Wisma Great Eastern, Persiaran Brooke,
96000 Sibu, Sarawak
Tel: 084-328 392 Fax: 084-326 392
KUCHING
No. 51, Level 3, Wisma Great Eastern,
Lot 435, Section 54 KTLD,
Travillion Commercial Centre,
Jalan Padungan,
93100 Kuching, Sarawak
Tel: 082-420 197 Fax: 082-248 072
KOTA KINABALU
Suite 6.3, Level 6,
Wisma Great Eastern Life,
65 Jalan Gaya,
88000 Kota Kinabalu, Sabah
Tel: 088-235 636 Fax: 088-248 879
SERVICING OFFICES / PEJABAT PERKHIDMATAN

Sandakan (Tel: 089-228 769), Tawau (Tel: 089-755 882), Miri (Tel: 085-421 299),
Batu Pahat (Tel: 07-432 2357), Kluang (Tel: 07-771 1086) & Seberang Perai (Tel: 04-398 1268)
(Kindly refer to www.oac.com.my for the contact details)
(Sila rujuk www.oac.com.my untuk maklumat perhubungan)

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TRAVEL FOR MORE!

More Benefits. More Features. More Coverage.

Correct at time of printing as at March 2015

TRAVEL FOR MORE!

1. Accidental Death & Total Permanent Disablement

2. Comprehensive Medical Expenses & related Medical benefits

3. More Cover for Travel Inconvenience

Note: For more details, please refer to the Schedule of Benefits.

Sum Insured (RM)

A. Travel Personal Accident

Permanent Disablement as specified below,

Total and incurable paralysis, complete and

% As Per Accidental Death Sum Insured

Loss of two limbs at or above wrist or ankle

Loss of sight of both eyes

Loss of hearing of both ears

Loss of one limb at or above wrist or ankle

Loss of sight of one eye

Loss of hearing of one ear

B. Medical & Other Expenses

Follow-up Medical Treatment

Compassionate Visit Benefit

100 per day

300 per day

100 per day

300 per day

Sum Insured (RM)

Emergency Medical Evacuation

Repatriation of Mortal Remains

Loss of Travel Documents &

500 per day

1,000 per day

1,500 per day

3,000 per day

Loss of Deposit or Payment due

Sum Insured (RM)

Trip Curtailment Expenses

Travel Missed Connections

Home Content Benefit

Rental Car Excess Cover

Emergency Telephone Charges

Automatic Extension of Cover

6. Emergency Message Relay

3. Despatch of Medication Not Available Locally

4. Pre-trip Travel Information

9. Referral to Interpreter / Translator

5. Retrieval of Lost Items

YOUR TRAVEL PREMIUM

After 28 days: Each

After 28 days: Each

For Domestic Travel

Insured Only (RM)

Insured & Spouse (RM)

After 28 days: Each

Insured Insured &

Insured Insured &

GREAT SAVINGS WITH ANNUAL PREMIUM PLAN

Round Trip (2-way Trip)

MEDICAL AND OTHER

War, terrorism, radiation or contamination by radioactivity, nuclear weapons material.

You and your spouse must be between 18 and 65 years old.

TRAVEL FOR MORE!

Perjalanan Luar Negara & Domestik